What is the most common complaint against Pennymac Loan Services, LLC.?

The most common issue consumers report about Pennymac Loan Services, LLC. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 306 complaints filed with the CFPB.

Are complaints against Pennymac Loan Services, LLC. increasing or decreasing?

Complaints against Pennymac Loan Services, LLC. are rising. The company received 96 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Pennymac Loan Services, LLC.'s reputation grade?

Pennymac Loan Services, LLC. has a reputation grade of D (score: 55.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Pennymac Loan Services, LLC. respond to consumer complaints?

Pennymac Loan Services, LLC. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Pennymac Loan Services, LLC. operate?

Pennymac Loan Services, LLC. has received CFPB complaints from consumers in 30 states, with the most complaints from Michigan (126 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Pennymac Loan Services, LLC. - Debt Collector Complaint Profile

CFPB complaint profile across 30 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

171
Took or threatened to take negative or legal action

47
False statements or representation

36
Written notification about debt

30
Disclosure verification of debt

8
Cont'd attempts collect debt not owed

6

Data updated September 2026

CFPB complaint disposition

CCDB record pennymac-loan-services-llc Pennymac Loan Services, LLC.

Grade D · 306 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #390 · compose #3341

VOL 306
GRADE D
12MO 96
STATES 30
TIMELY 100%
DISPUTE 22%
ISSUE Attempts to collect debt n…
RANK #390
COMPOSE #3,341

Volume peers

Nearest volume peer: Pendrick Capital Partners Holding, LLC (307 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Pennymac Loan Services, LLC.'s 306 CFPB complaints sit next to Pendrick Capital Partners Holding, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

41.2% of Pennymac Loan Services, LLC.'s CFPB filings land in Michigan

High volume does not equal a clean composite: Pennymac Loan Services, LLC. is volume #390 but composite #3,341, while Michigan dominates the geography. Corpus placement method.

Dominant state: Michigan 41.2%; 126 of 306 filings · 30 states touched
Seasonal peak: 2026-02 12.0%; 8–15% band · 13 filings
Divergent corpus ranks: #390 volume; #3,341 composite; Cleanest-composite ladder is 2,951 places worse than volume

How does Pennymac Loan Services, LLC. compare to its peers?

How does PENNYMAC LOAN SERVICES, LLC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

PENNYMAC LOAN SERVICES… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	171
Took or threatened to take negative or legal action	47
False statements or representation	36
Written notification about debt	30
Disclosure verification of debt	8
Cont'd attempts collect debt not owed	6
Communication tactics	4
Taking/threatening an illegal action	2
Threatened to contact someone or share information improperly	1
Electronic communications	1

Where do complaints against Pennymac Loan Services, LLC. come from?

Pennymac Loan Services, LLC.'s own per-state count, not a national baseline.

Michigan

126
California

22
Illinois

22
Texas

20
Florida

19
Georgia

18
Pennsylvania

10
Arizona

9

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Pennymac Loan Services, LLC.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 306.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Pennymac Loan Services, LLC.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.