In September 2011 I received a letter stating CitiMortgage sold my loan to Pennymac and to make any payments due after Sept 30th to Pennymac. I was on a 12 month repayment plan with CitiMortgage to pay back past due mortgage payments. Each payment was due on the 25th of the month, so I sent my Sept. 25th payment to CitiMortgage. I called Pennymac and they agreed to continue the repayment plan and I would be all caught up by May 25. I made every payment on time and my final repayment on May 25th; a week later I get a Notice of Default and Intent to accelerate from Pennymac stating I am 3 months in arrears! I called CitiMortgage and they inform me that the last Sept Payment and some overage payments where sent to PennyMac after the loan closed, but my PennyMac online loan history does not show this money attributed at all. There seems to be only one person at PennyMac looking into this for me, and he is avoiding my calls and will not call back. We are talking over $4K of my payments missing. I am at a loss of where to turn besides a lawyer, and I am trying to avoid that due to what they will charge me.