I have a mortgage though PennyMac and have had XXXX instances of them obtaining insurance on my behalf which was inappropriate. 

In the XXXX case, I was notified by PennyMac that I was no longer required to hold Flood Insurance as FEMA had reclassified my location. I returned their form letter in XXXX of XXXX requesting that they not pay that insurance when it renewed. In XXXX of XXXX, PennyMac paid the renewal in spite of my written direction. After more than XXXX calls to their insurance and escrow departments, I gave up - not having received any money back. 

In the XXXX case, PennyMac had renewed my home owners insurance through XXXX XXXX in XXXX XXXX and for reasons that I have not been able to determine paid for a second home owners from a company called XXXX XXXX in XXXX of XXXX. I believe that they were scammed by someone posing as a XXXX XXXX employee, as XXXX XXXX denies having anything in my name and does not do business in XXXX. Once again, I have been completely unable to get PennyMac to re-imburse me for the missing funds. 
