PennyMac Loan Services, LLC Mortgage Complaint

PennyMac Loan Services, LLC Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Louisiana

I refinanced my home with - - in -. Penny Mac Loan Services purchased the loan. In - -, I lost my job. I was able to get some contract work, but got behind on my mortgage. I was 90 days delinquent when I applied to the Home Affordable Modification Program with Penny Mac in - -. I got a Notice of Default and Intent to Accelerate from Penny Mac dated - -, -. My application was deemed complete and I was assigned a Loan Modification Underwriter by - -, -. I had made additional payments, but was still only current through - -, -. Penny Mac had an appraisal done and forwarded that to me on - -, - that indicated there was plenty of equity in the house should it go to sheriff 's sale.


of the Sales Agreement to Penny Mac and the agreement stipulated a closing on or before - -, -. Within a week after sending Penny Mac the purchase agreement, I received a letter from - - indicating they had received my file from Penny Mac and would start foreclosure proceedings. I called immediately since I was still in the modification process. I had been very diligent in following the progress of my application online and had been stuck in the " decision '' phase for some time. All these activities occurred in - -. I continued to be prepared for a service processor to appear with the Notice of Seizure, but I never received one. I continued to get phone calls from Penny Mac and on one occasion I happened to get a cooperative customer service rep. I asked the disposition of my modification request. She researched it and told me I had been approved, but that no one was able to reach me. Therefore, I was removed from the program. Needless to say, I was a bit upset. I indicated I had answered most of the calls from Penny Mac, but I had never received a call concerning the loan modification. She claimed they had tried to call me 12 times. I indicated I had not received any written correspondence. Given the importance of this modification, I would have thought Penny Mac would have sent a certified letter. Of course, that did n't happen. We were fast approaching the closing date of - -. I had requested and received a reinstatement quote from Penny Mac through - -, - ( included in the attachments ). I requested a copy of the closing statement from the closing attorney ( also attached ) and realized I was being charged over $9000.00 in foreclosure costs and foreclosure fees. I went directly to the Civil District Court Clerk 's office and the Mortgage Conveyance office to determine if any actions had been filed against the property. None had been filed. I contacted - - and was told by the attorney handling the case that he had not opened the file. In other words, nothing had been done. I then called Penny Mac and raised concerns for being charged these fees when no action had been taken other than letters being sent. I argued with them for two days, but they would not revise the closing costs. I paid the fees at closing. Since then, I have been trying to get an itemized list of all the fees/costs that make up the $9000.00. You can read the attachments. I think they are self-explanatory. I am due a sizeable refund. I do n't know if I can collect judicial interest and I do n't know if there are any other damages I can claim. This situation has certainly caused me -. There actions are fraudulent, capricious, arbitrary, and the lender has certainly not met the mi