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

CFPB complaint data Grade D 306 complaints

Pennymac Loan Services, LLC. - Debt Collector Complaint Profile

CFPB complaint profile across 30 states, reputation grade D.

Complaints by issue type

What consumers report about Pennymac Loan Services, LLC.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 57.3/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Pennymac Loan Services, LLC. ranks ahead of 33% of the 5,283 collectors PlainCollector grades - 67% keep a cleaner CFPB record, on 306 all-time complaints and a 100% timely-response rate.

33rd pct
reputation rank of 5,283 graded collectors
306
CFPB complaints, all-time
100%
answered inside the CFPB window
96
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Pennymac Loan Services, LLC.?

Pennymac Loan Services, LLC. has accumulated 306 total CFPB complaints across 30 states, with 96 filed in the most recent 12 months against 210 historical complaints before that window. The trailing-12-month volume represents 31.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 22% consumer-dispute-after-response rate.

Complaints have been recorded across 30 states, led by Michigan with 126 and California with 22. Normalized against the full CFPB collector database, the reputation score of 57.3/100 places Pennymac Loan Services, LLC. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

306

mid-volume (CCDB)

Last 12 months

96

31.4% of all-time complaints

Rising ↑

States active

30

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

22%

elevated (vertical avg ~19%)

Reputation grade

D

57.3/100 composite

How does Pennymac Loan Services, LLC.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 33rd percentile higher than 33% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Pennymac Loan Services, LLC. versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 22.2%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 53.6%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
PENNYMAC LOAN SERVICES… National average
Complaints (last 12 mo)lower is better
96
43
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
22%
19%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Pennymac Loan Services, LLC.

Across 30 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Pennymac Loan Services, LLC. contacts you

A grade of D signals how Pennymac Loan Services, LLC.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Pennymac Loan Services, LLC. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Pennymac Loan Services, LLC. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 57.3/100), 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).

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

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.