Who Called From 813-498-0878?
Short answer: 813-498-0878 is a number used by PennyMac Loan Services Collections (PennyMac Collections), a third-party collection agency based in Westlake Village, CA — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1294096-dca on file, address of record in moorpark, ca. They are almost certainly trying to collect a debt, most often mortgage debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 813-498-0878?
The number 813-498-0878 is used by PennyMac Loan Services Collections (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1294096-dca on file, address of record in moorpark, ca), a third-party collection agency in Westlake Village, CA. For the full company profile — ownership, history, and known aliases — see our complete PennyMac Loan Services Collections guide. This page focuses on the calls coming from 813-498-0878 specifically.
About this specific number
- 📞 Number: 813-498-0878 (area code 813, ending in 0878)
- 📍 Line type: Direct-dial — resolves to the 813 area code.
- 🏢 Operator: PennyMac Loan Services Collections, a third-party collection agency in Westlake Village, CA.
- 🔢 Related lines: PennyMac Loan Services Collections is documented using 1 number in our directory, so calls may also come from other digits.
813-498-0878 is a direct-dial number tied to the 813 area code, which is why the call may have appeared "local" on your caller ID even though PennyMac Loan Services Collections operates out of Westlake Village, CA.
Some carriers display 813-498-0878 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from PennyMac Loan Services Collections.
On your caller ID, in voicemails, or in letters, this company can also appear as: PennyMac Collections, PMLS Collections, PennyMac.
Why Is PennyMac Collections Calling Me From 813-498-0878?
In our directory, 813-498-0878 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1294096-dca on file, address of record in moorpark, ca for PennyMac Loan Services Collections, which typically collects mortgage debt, deficiency balances. A call from 813-498-0878 usually happens because:
- ✅ An original account (a mortgage debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with PennyMac Loan Services Collections to collect on behalf of the original creditor.
- ✅ PennyMac Loan Services Collections is now dialing you from 813-498-0878 and possibly other lines to reach a resolution.
Calls from 813-498-0878 often come right after a billing cycle closes. Some people report that 813-498-0878 calls once and hangs up, then tries again from a different PennyMac Loan Services Collections line hours later. A single missed call is not proof of a valid debt. When 813-498-0878 shows up on your caller ID, it is worth checking whether the PennyMac Loan Services Collections account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make PennyMac Loan Services Collections prove the mortgage debt in writing first.
Important: a phone call — even from a real number like 813-498-0878 — does not prove you owe the debt, that the amount is correct, or that PennyMac Loan Services Collections can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 813-498-0878
Anything you say to PennyMac Collections can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 813-498-0878 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from PennyMac Loan Services Collections.
Don't agree to a payment on the spot
A single payment to PennyMac Loan Services Collections — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 813-498-0878.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 813-498-0878. Any legitimate PennyMac Loan Services Collections resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 813-498-0878 caller. If it truly is your PennyMac Loan Services Collections account, they should already have what they need and must prove it.
What To Do If 813-498-0878 Keeps Calling
Here are concrete next steps for this specific PennyMac Loan Services Collections line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 813-498-0878 as a contact labeled "PennyMac Loan Services Collections — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 813-498-0878 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that PennyMac Loan Services Collections identify the original creditor behind the 813-498-0878 calls and the date the debt was opened.
Your Rights When PennyMac Collections Calls From 813-498-0878
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send PennyMac Collections a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If PennyMac Loan Services Collections reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 813-498-0878: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that PennyMac Loan Services Collections stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, PennyMac Collections generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars PennyMac Collections from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 813-498-0878
We investigate the specific PennyMac Loan Services Collections account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the PennyMac Collections account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to PennyMac Loan Services Collections. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
813-498-0878 — Frequently Asked Questions
Who is calling me from 813-498-0878?
813-498-0878 is a direct-dial line associated with PennyMac Loan Services Collections (also seen as PennyMac Collections), a third-party collection agency headquartered in Westlake Village, CA and operating since 2008. The number resolves to the 813 area code. If you received a call from 813-498-0878 — often showing the last four digits 0878 on your screen — it is very likely PennyMac Loan Services Collections attempting to reach you about a debt they say you owe, most often mortgage debt, deficiency balances.
Is 813-498-0878 a scam number?
PennyMac Loan Services Collections is a real, registered company, and 813-498-0878 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like PennyMac Collections, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 813-498-0878?
You are not legally required to answer 813-498-0878 or call PennyMac Loan Services Collections back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, PennyMac Loan Services Collections must pause collection until it mails you proof of the debt.
Why is PennyMac Loan Services Collections calling me about mortgage debt?
A call from 813-498-0878 usually means an original mortgage debt went unpaid and was placed with PennyMac Loan Services Collections, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop PennyMac Loan Services Collections from calling 813-498-0878?
Yes. The FDCPA lets you send a written cease-and-desist demand telling PennyMac Loan Services Collections to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 813-498-0878 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt PennyMac Loan Services Collections is calling about?
Do not pay anything based on a call from 813-498-0878 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About PennyMac Loan Services Collections
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