PennyMac Loan Services, LLC Mortgage Complaint

PennyMac Loan Services, LLC Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account Ohio

About a year ago, I called - - - ( my mortgage holder ) because I saw an ad on TV about a government program that could reduce your mortgage payment. All I did was inquire about the program and my mortgage began to unravel like a spool of thread. Long story short they sold my mortgage to a company called Penny Mac. After reading the information of the program I discovered that it is a program for people that are upside-down in their mortgages of which I have NEVER been. After I declined the paper work my payments began to be posted later and later until I receive a notice that I was 2 payments late and Penny Mac was threatening to foreclose on my mortgage. I sent my last payment on -/-/2016 through the US mail. The check - -. It was for $1500.00. This was my payment of $1400.00 plus the late fee of -. This payment has never been posted. The postal worker is my friend and she placed the stamp on the payment and marked the envelope posted so I would have a witness that I sent the payment. The payment on -/-/2016 was made


" Why is my money sitting in a " holding account '' and not applied to my mortgage?!!! I have NEVER signed anything saying I want or need a modification to my mortgage. I am certain there is something very wrong going on. '' The agent told me that by just inquiring about the modification program that gave them the leverage to modify my mortgage. I have worked for - - in my past and have NEVER heard of this! I believe that to modify a mortgage you do need the owners signature. My daughter is a CPA and she informed me to contact you. They have harmed our credit and are trying to do something unethical. I appreciate all the help you can give me.