Mortgages
Pennymac Loan Services: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 446
- Closed with money back
- 2%
- 2023 to 2025
- 121 to 195
Servicemembers filed 21.2% of Pennymac Loan Services's 2,104 complaints in the window, against 2.5% across the directory. The complaints are mostly about mortgage, and the single most common issue is "Trouble during payment process". 2% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 121 in 2023 to 195 in 2025.
What the complaints are about
By product
| Mortgage | 364 |
| Credit reporting or other personal consumer reports | 60 |
| Credit reporting, credit repair services, or other personal consumer reports | 13 |
| Debt collection | 7 |
| Debt or credit management | 2 |
By issue
| Trouble during payment process | 205 |
| Struggling to pay mortgage | 87 |
| Incorrect information on your report | 66 |
| Closing on a mortgage | 24 |
| Applying for a mortgage or refinancing an existing mortgage | 23 |
| 2023: 121 | 2024: 130 | 2025: 195 |
Which accounts, specifically
| VA mortgage | 302 |
| Credit reporting | 73 |
| Conventional home mortgage | 70 |
| FHA mortgage | 32 |
| Mortgage debt | 6 |
What went wrong, specifically
| Escrow, taxes, or insurance | 86 |
| Account status incorrect | 43 |
| Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | 35 |
| Trying to communicate with the company to fix an issue while managing or servicing your loan | 35 |
| Payment process | 30 |
Busiest month: November 2025, with 24 servicemember complaints. Most were submitted by web.
Most complaints came from FL (50), TX (48), VA (45) , then CA, GA, NC.
How Pennymac Loan Services answered
| Closed with explanation | 402 | 90% |
| Closed with non-monetary relief | 33 | 7% |
| Closed with monetary relief | 11 | 2% |
Pennymac Loan Services responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Incorrect information on your report. NC, 2024-08-28. Outcome: Closed with explanation. Complaint 9951744
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Mortgage; Trouble during payment process. AK, 2024-08-26. Outcome: Closed with explanation. Complaint 9928965
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Mortgage; Trouble during payment process. SC, 2024-08-24. Outcome: Closed with explanation. Complaint 9909752
If this is your problem at Pennymac Loan Services
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with mortgages peers
- Carrington Mortgage Services 425 servicemember complaints; 0% with money back
- Ocwen Financial 352 servicemember complaints; 1% with money back
- M&T Bank 287 servicemember complaints; 5% with money back
- LoanCare 243 servicemember complaints; 0% with money back
- Rocket Mortgage 228 servicemember complaints; 1% with money back
Next in the directory by volume: Cbc Companies, Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis.
Frequently asked questions
How many complaints did servicemembers file against Pennymac Loan Services?
446 complaints tagged servicemember were received by the CFPB about PENNYMAC LOAN SERVICES, LLC. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 121 in 2023 to 195 in 2025.
What do servicemembers complain about most at Pennymac Loan Services?
Mortgage accounts for 364 of the 446 complaints, and the most common issue is "Trouble during payment process" (205). Next: "Struggling to pay mortgage" (87).
Does Pennymac Loan Services give money back when a servicemember complains?
2% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 33 closed with non-monetary relief and 402 closed with an explanation only. Pennymac Loan Services answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.