2026 data Public-data reference. official source

PENNYMAC LOAN SERVICES, LLC.

4.3K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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4.3K consumer complaints filed with the CFPB

This profile shows PENNYMAC LOAN SERVICES, LLC.'s complaint history from CFPB public records. 4,289 consumers have filed complaints since 2012. The company has a 99.7% timely response rate and has provided relief in 12.3% of cases.

4.3K
Total Complaints
99.7%
Timely Response
4.2%
Disputed
12.3%
Relief Provided
55
States Active
2012
Since

Total complaints

4.3K

Filed since 2012

Timely response

99.7%

CFPB-tracked response window

Relief rate

12.3%

Closed with monetary or non-monetary relief

Timely response rate 99.7%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 12.3%
Industry median

Share closed with monetary or non-monetary relief.

PENNYMAC LOAN SERVICES, LLC. complaint mix by product

Total complaints: 4.3K

PENNYMAC LOAN SERVICES, LLC. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 4.3K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Mortgage: 3,506 complaints (82.0%), resolution 13.5% Mortgage 82.0% Credit reporting: 386 complaints (9.0%), resolution 7.5% Credit reporting 9.0% Credit reporting,: 195 complaints (4.6%), resolution 9.2% Debt collection: 172 complaints (4.0%), resolution 1.7% Money transfer,: 7 complaints (0.2%), resolution 0.0% Debt or: 7 complaints (0.2%), resolution 28.6% Payday loan,: 4 complaints (0.1%), resolution 0.0%
  • Mortgage 4K 82.0% – 14% relief
  • Credit reporting 386 9.0% – 8% relief
  • Credit reporting, 195 4.6% – 9% relief
  • Debt collection 172 4.0% – 2% relief
  • Money transfer, 7 0.2% – 0% relief
  • Debt or 7 0.2% – 29% relief
  • Payday loan, 4 0.1% – 0% relief

How PENNYMAC LOAN SERVICES, LLC.'s 4.3K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Mortgage 3.5K
Credit reporting or other personal consumer reports 386
Credit reporting, credit repair services, or other personal consumer reports 195
Debt collection 172
Money transfer, virtual currency, or money service 7
Debt or credit management 7
Payday loan, title loan, or personal loan 4
Bank account or service 4
Checking or savings account 2
Credit card 2
Credit reporting 2
Consumer Loan 1
Credit card or prepaid card 1

Top States

State Complaints
FL 499
CA 488
TX 400
GA 283
VA 187
MD 182
PA 158
NJ 152
NY 137
NC 111
IL 107
AZ 104
MI 93
TN 86
OH 86
LA 86
MA 85
SC 80
CO 77
WA 74

Top Issues

Issue Complaints
Trouble during payment process 1.2K
Struggling to pay mortgage 646
Loan servicing, payments, escrow account 503
Incorrect information on your report 486
Loan modification,collection,foreclosure 430
Applying for a mortgage or refinancing an existing mortgage 264
Closing on a mortgage 137
Problem with a company's investigation into an existing problem 97
Improper use of your report 92
Attempts to collect debt not owed 80
Problem with a credit reporting company's investigation into an existing problem 76
Application, originator, mortgage broker 36
Settlement process and costs 30
Took or threatened to take negative or legal action 26
Other 25
Written notification about debt 24
False statements or representation 22
Credit decision / Underwriting 15
Unable to get your credit report or credit score 7
Disclosure verification of debt 7

Yearly Trend

Year Complaints Timely
2012 50 100%
2013 96 95.8%
2014 238 97.5%
2015 304 99.7%
2016 291 100%
2017 234 100%
2018 249 99.6%
2019 234 100%
2020 266 100%
2021 300 99.7%
2022 277 100%
2023 335 100%
2024 399 100%
2025 693 100%
2026 323 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About PENNYMAC LOAN SERVICES, LLC.

PENNYMAC LOAN SERVICES, LLC. has accumulated 4,289 consumer complaints in the CFPB public database, with filings active across 55 U.S. states. Of those submissions, 1,403 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2012, and the most recent logged activity is 2026-04-05, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, PENNYMAC LOAN SERVICES, LLC. reports a 99.7% timely-response rate and has closed 87.4% of cases with a written explanation to the consumer. 12.3% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 4.2% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Mortgage", and the single most common underlying issue is "Trouble during payment process".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating PENNYMAC LOAN SERVICES, LLC.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

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Understanding Responses
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Frequently Asked Questions

How many CFPB complaints does PENNYMAC LOAN SERVICES, LLC. have?

PENNYMAC LOAN SERVICES, LLC. has received 4,289 consumer complaints filed with the Consumer Financial Protection Bureau.

Does PENNYMAC LOAN SERVICES, LLC. respond to complaints on time?

PENNYMAC LOAN SERVICES, LLC. has a 99.7% timely response rate to CFPB complaints.

What is the most common complaint about PENNYMAC LOAN SERVICES, LLC.?

The most common issue reported against PENNYMAC LOAN SERVICES, LLC. is "Trouble during payment process" in the "Mortgage" product category.

Read our methodology — how this data is sourced, computed, and verified.

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