Consumer complaint received 2023-10-28
Company: PNC Bank N.A.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Consumer Financial Protection Bureau ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
Investigation Case : XXXX and XXXX ... ... ... ... ... ... ... ... ... ... ... ...... 
Date : XX/XX/XXXXXX/XX/XXXX... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
RE : Debt Validation, XXXX XXXX third party debt collectors ... ... ... ... ... ... ... ... ... ... ... ... ...... 

( A ). I am disputing the alleged {$170000.00} debt claim by XXXX because he identified himself as a third-party debt collections servicer in his FDCPA response ( unsigned ) letter dated XX/XX/XXXX, states hes acting on behalf of PNC as a debt collector assigned to collect a debt. Meaning not the Creditor ... ... ... ... ..... 
( B ). Thus, there is no debt owed to XXXX since they are not the creditors and evidence in violation of the FDCPA to provide the name and address of the creditor. Thus, I am again for the third time demanding debt validation under the FDCPA 15 U.S.C. 1692 et seq. for disclosure : ... ... ... ... ... ... ... ... ......

1. Provide the name and address of the Creditor ... ... ... ... ..... 
2. Provide XXXX Debt Collections license ... ... ... ... ..... 
3. Provide written verification in the form of a signed, sworn and Notarized Affidavit Power of Attorney ( POA ) from the Creditor that you are authorized to act on their behalf in this alleged debt collection action ... ... ... ... ... ... .... 
4. A notarized copy of the Bond on file with the State of XX/XX/XXXXallowing your firm to operate as a collection agency ... ... ... ... ... ... .... 
5. Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt and allow for the collection of this alleged debt ... ... ... ... ... ... ... ..... 

( C ) No evidence of debt, The original XXXXXX/XX/XXXXXXXX waived their status as a Creditor when on XX/XX/XXXXXX/XX/XXXXthey Accepted my remittance Note payment for the property and Mortgage as tender of payment under UCC 3-409 ( a ) & ( b ) deems they [ cashed the draft/cheque Order paper ] and UCC 3-604 ( a ) means XXXX they didnt return Note back to me identifies it was valid ] ... ... ... ..... 

In conclusion, for in the ordinary course of business, when good faith requires an answer, it is the duty of the party receiving a letter from another to answer within a reasonable time. Otherwise, he/she is presumed to admit the propriety of the acts mentioned in the letter of his/her correspondent and to adopt them. Clean hands doctrine, I am requesting disclosure records. Otherwise cease and desist, refund funds unlawfully collected, withdraw unlawful legal actions ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

By The People_Full-Faith-and-Credit : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation