Our home flooded when a bathroom sink pipe broke while we were away at XXXX. PennyMac financial has been holding our insurance payment for over {$120000.00} that was long ago paid by our home insurance company. The work is almost entirely completed, and they still have n't sent any initial funds. PennyMac has been passing the papers around internally, re-requesting documents we already sent, missing deadlines, and failing to communicate appropriately. They have less than 20 % loan to value on our property, and yet are still withholding our check where repairs are 90 % complete. Several times they have claimed that checks are on the way, and we find out later they are still not giving honest answers. We call them daily now, and they put a different person on the phone each time, and will not have supervisors call us back. We have paid our XXXX money out of our own pockets for the repairs as he is 90 days into the project. There seems to be no end in sight to their ability to keep deferring things 72 hours, 3-5 days etc, for problems that are all created on their end. 
