Total CFPB complaints
292
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 292 complaints
PENNYMAC LOAN SERVICES, LLC. — Debt Collector Complaint Profile
CFPB complaint profile across 30 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about PENNYMAC LOAN SERVICES, LLC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
158 complaints
- Took or threatened to take negative or legal action 40
Took or threatened to take negative or legal action
40 complaints
- False statements or representation 34
False statements or representation
34 complaints
- Written notification about debt 27
Written notification about debt
27 complaints
- Disclosure verification of debt 8
Disclosure verification of debt
8 complaints
D
Grade D · 57.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about PENNYMAC LOAN SERVICES, LLC.?
PENNYMAC LOAN SERVICES, LLC. has accumulated 292 total CFPB complaints across 30 states, with 97 filed in the most recent 12 months against 195 historical complaints before that window. The trailing-12-month volume represents 33.2% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 22% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 30 states, led by Michigan with 116 and Illinois with 22, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.3/100 places PENNYMAC LOAN SERVICES, LLC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
97
33.2% of total history
Rising ↑
States active
30
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
57.3/100 composite
Response-quality profile
How PENNYMAC LOAN SERVICES, LLC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 44.4%
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?
PENNYMAC LOAN SERVICES… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-02 2026-03
Top Consumer Issues
Attempts to collect debt not owed158 (%)
Written notification about debt27 (%)
Took or threatened to take negative or legal action40 (%)
False statements or representation34 (%)
Disclosure verification of debt8 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 90 |
| Attempts to collect debt not owed | Debt was result of identity theft | 45 |
| Written notification about debt | Didn't receive enough information to verify debt | 27 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 25 |
| False statements or representation | Attempted to collect wrong amount | 23 |
| Attempts to collect debt not owed | Debt was paid | 18 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 15 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 11 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 5 |
Where do complaints against PENNYMAC LOAN SERVICES, LLC. come from?
The states where consumers have filed the most CFPB complaints against PENNYMAC LOAN SERVICES, LLC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against PENNYMAC LOAN SERVICES, LLC.
Across 30 states with at least one filing
- Michigan
Michigan
116 complaints
- Illinois 22
Illinois
22 complaints
- California 21
California
21 complaints
- Florida 20
Florida
20 complaints
- Texas 19
Texas
19 complaints
- Georgia 15
Georgia
15 complaints
- Pennsylvania 11
Pennsylvania
11 complaints
- Nevada 9
Nevada
9 complaints
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 292 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 97 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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (116 complaints).
What can I do if PENNYMAC LOAN SERVICES, LLC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If PENNYMAC LOAN SERVICES, LLC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |