Mortgage -- Trouble during payment process -- Complaint #18971577
Complaint Overview
Complaint ID: 18971577
Company: Pennymac Loan Services, LLC.
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
Sub-Issue: Escrow, taxes, or insurance
State: Pennsylvania
ZIP Code: 15146
Date Received: 2026-01-23T12:00:00-05:00
Date Sent to Company: 2026-01-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Following a servicing transfer, an interim property tax bill became delinquent. As of today, the taxing authority still lists an incorrect mailing address, and the servicer has not provided documentation showing that this information was updated following the servicing transfer. In XX/XX/XXXX, the servicer paid the interim tax from escrow, including assessed fees and penalties, after the bill became delinquent. This disbursement created a negative escrow balance and was later used to calculate an escrow shortage and reserve. In XX/XX/XXXX, the servicer issued an escrow analysis increasing the monthly payment effective XX/XX/XXXX. I disputed the analysis and requested supporting escrow calculations and RESPA compliance documentation. The servicer denied error and declined to correct the escrow calculation or reimburse penalties and interest.
Frequently Asked Questions
What is Complaint #18971577 about?
Complaint #18971577 was filed against Pennymac Loan Services, LLC. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2026-01-23T12:00:00-05:00.
How did Pennymac Loan Services, LLC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Pennymac Loan Services, LLC.?
Yes, visit the Pennymac Loan Services, LLC. company profile at readthecomplaint.com/company/pennymac-loan-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.