PennyMac Loan Services Complaint

PennyMac Loan Services, LLC Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account New Jersey

The mortgage lender, Pennymac Loan Services LLC has taken the following steps to ensure that they can file for foreclosure against me:1. They paid past due taxes on the property, to open up an escrow account and increase my mortgage. This was unnecessary, as the home was not under any tax lien, nor in danger of any tax liens with the city of -, NJ. I was making payments quarterly to the city of -. The city was aware that I was behind the taxes and only required me to pay a certain amount before the end of the year, to stay out of danger of a tax lien. I was ready to pay the requested tax amount to the city of -, but the mortgage company intervened, requesting the past due tax in full or no payment at all. 2. After paying the tax bill, that they did not need to pay, the lender opened an Escrow account, to cover the taxes. The lender subsequently increased my mortgage payments from $1600.00 to $3200.00 per month. 3. The lender made the payment on the taxes on -/-/-/-/-, but retroactively increased the past due mortgage payment for the month of -/-/-/-

retroactively increasing the mortgage payments for all the months of the entire year of -/-/- or previous years? 4. The payment that I sent to cover the -/-/-/-/- and -/-/-/- was only applied to -/-/-/-. The mortgage lender increased the past due amount of -/-/-/-/- from $1600.00 to $3200.00, after I sent my payment. I did not sent enough to cover the new past due amount for -/-/-/-. Instead of applying a partial payment to -/-/-/-/- the mortgage lender applied all the money left from my payment to the Escrow account, without my knowledge. By doing this the lender put me over - days delinquent on the loan. 5. It is now - -, -/-/- and I have not received my statement for the month of - -/-/- The lender does not send mortgage statements in a timely manner. I fear if I make a payment for the incorrect amount, it will be applied to the Escrow account, instead of the mortgage, which will place me further behind on my mortgage payments. 6. I am a -, female, senior citizen and I believe the mortgage lender is targeting me because I am in a vulnerable position and I can not afford to defend myself against their predatory methods.