Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A.
State: AL

Complaint narrative:
XX/XX/XXXX Property Address : XXXX XXXX XXXX XXXX, AL XXXX CFPB Complaint ID : ( To be provided ) Copy : XXXX XXXX XXXX, XXXX PNC BANK Tower at PNC Plaza XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Washington DC XXXX CFPB Complaint : ADDITIONAL RESEARCH REVEALS PNC MORTGAGE FALSIFIED AND FABRICATED THE ASSIGNMENT OF MORTGAGE ( TO ITSELF ) RECORDED ON XX/XX/XXXX Sir : Our additional research indicated that PNC Mortgage fraudulently falsified and fabricated the Assignment of Mortgage it executed for itself and illegally signed by its employee, XXXX XXXX XXXX, masquerading and illegally pretending to be an Assistant Secretary of XXXX  XXXX XXXX XXXX XXXX ( XXXX  ). 
We have attached our research analysis as part of this complaint. 

EMPLOYEE OF PNC BANK, NO SIGNING AUTHORITY FROM XXXX. 
XXXX XXXX XXXX XXXX is an employee of PNC Bank ( see her XXXX page showing employment with PNC Bank ) and was fully aware that she had NO business or authority signing for XXXX, yet did it anyway. XXXX XXXX willfully and knowingly performed an illegal act. 

Nowhere in the assignment of mortgage is there any signing authority for XXXX XXXX to sign for XXXX. We hope that they will not now falsify or fabricate and backdate such a document. If they do, they deserve to go to jail. 

PERJURY XXXX XXXX attested before the Notary Public, XXXX XXXX, that she executed the document in her authorized capacity knowing full well that that statement was a lie and that she had no authority signing for XXXX. 

NO CONSIDERATION SPECIFIED The existence of consideration in contracts or exchange of property is critical to its legality. What was the consideration? What was the value received? How much? This boilerplate language without specifying the actual consideration is sufficient ground to make this document VOIDABLE. 

PNC BANK HAD NO OWNERSHIP OF THE MORTGAGE Because of this fraudulent falsification and fabrication of the Assignment of Mortgage by PNC Bank, that assignment is NULL AND VOID and PNC Bank never acquired any ownership or interest in the mortgage. 

SALE OF PROPERTY TO XXXX IS NULL AND VOID Because the PNC Bank did not own the mortgage, THE SALE OF THE PROPERTY TO XXXX IS NULL AND VOID. 

RESTORE US OR COMPENSATE US FAIRLY We ask CFPB to rescind the illegal sale of the property to XXXX and to restore us to our original position of ownership of the property or compensate us fairly for the value of the property that PNC Bank illegally stole from us. 

PUNITIVE DAMAGES We also ask for a punitive damage of {$10.00} XXXX for the psychological, emotional and mental pain and suffering we incurred and have been subjected to because of the fraudulent and illegal foreclosure of our property by PNC Bank. 

FINE AND PENALTY We also ask the CFPB to impose a fine and penalty of {$5.00} XXXX for their fraudulent falsification of the assignment of mortgage to itself, causing it to be publicly recorded knowing full well that it is a falsified and fabricated document. 

The malicious and illicit intent of PNC Bank to cause harm, hardship, pain and suffering to a consumer ( through their fraudulent and illegal foreclosure ) is clear and proven for everyone to see. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation