Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: HI

Complaint narrative:
In XXXX, I bought a home in XX/XX/XXXX from XXXX XXXX, unknown to me it was an unclean note to the house and shortly after who we purchased the home from went to prison for Mortgage Fraud with a 21 year prison sentence. 

His name was XXXX XXXX and he was involved in multiple mortgage embezzlement schemes for which he took the fall for many accomplices with more guilt than himself. Our home was then transferred to XXXX who then transferred the note to XXXX XXXX  and XXXX XXXX in Michigan with a note on the allonge for the transfer not to go over towards National City Bank of Ohio who wanted the transfer in XXXX. 

Somehow, it is alleged that National City Bank still got the transfer despite our notes to the contrary and eventually the allegedly merged into PNC Bank, N.A. The problem is the wet note nor title to our home never transferred to the National City so how could it get to PNC? They claimed in their Verified Complaint for Foreclosure that M.E.R.S. ( Mortgage Electronic Registration System ) had transferred them the title which is unlawful as they are only to record titles not transfer them as their lawyer XXXX XXXX of XXXX XXXX, CA had stated. 
They out of nowhere were trying to take advantage of Hawai'i 's very corrupt Bureau of Conveyance filing  system where anyone can make a deed for any piece of land and cloud the title as these guys did. Unfortunately for them we have proof of the allonge going to XXXX in XXXX an affiliate of XXXX who was tied to the crook XXXX XXXX and XXXX XXXX also recorded in the Bureau of Conveyances in XXXX, HI which has Land Court recording and Regular System recording of land deeds. 

So, even though PNC made a frivolous filing as many do in this system that goes unchecked, XXXX still thwarted them. In the year XXXX, they showed a not of transfering and signing off all ownership to our home in XXXX, HI which they never have proved they had a right to, to begin with. 

When National City began billing us at one point even though we saw no clear change over to them, in time, it was confusing all the change of hands taking place on a title that was not solid due to all the illegalities. They had raised our mortgage costs to double and then PNC their affiliate was offering the loan mortage modification scam they are famous for getting sued over. 

In fact, I was foolish enough to pay them once {$3000.00} a month they were asking to see if I qualified for the loan modification and I wound up winning the class action lawsuit settled against them for committing a fraud in XXXX. I had told them to cease and desist and did not recognize them as the loan service because there is no allonge from XXXX to them ever made. 

Despite the XXXX letter stating that PNC turned the loan over to XXXX XXXX in XXXX, and being told to cease and desist harassing the home owner since they were not the company, XXXX was the proper company to pay at the time. They most certainly were crooks and continued to be crooks. 

XXXX XXXX of their XXXX XXXX branch issued a foreclosure that I was finally served with by summer of XXXX. As the matter dragged on for a pending court conference I was being deprived of all due process rights despite being timely in responding to my service by publication. 

Finally, a prehearing conference was set for XXXX of XXXX and I had my son go and get a lawyer for me who was advised to us by some folks in the golfing and solar panel industry as well as realty fields that we will not name here. This alleged lawyer worked for XXXX XXXX  XXXX, XXXX and had been an accountant before, and was actually a paralegal pretending to be a lawyer. 

His name was XXXX XXXX. he claimed to be having negotiations on pay-offs to the crooks PNC with their lawyer XXXX XXXX of XXXX and XXXX XXXX and that he would show up to the pre-trial conference on behalf of me and my family. Instead on the day of pre-conference he says he can not show up, but he would slip a Continuance Motion in.

He did neither such thing. I still called in and could not reach the Judge on time and the Judge put in a Summary Judgment against me, which was not right due to the fact our lawyer lied and we found out was actually a paralegal and kept trying to get us to short sale before the incident and even after when the Court was set on Foreclosing on us. 

We put in the Motions for Reconsideration with help from my son, that only got us to XXXX where Judge XXXX the biggest crook there is, went and shut us down and refused to see evidence of XXXX 's wrongdoing in the case and how Mr. XXXX intentionally sabotaged us and our case for our house against these crooks, PNC Bank. When PNC Bank, came forward they said that they acquired our Mortgage Note from MERS who transferred the title to them. 

Such an argument and claim is false because MERS is only to record titles not transfer them to PNC. They had MERS record it after they illegally jumped it into the Bureau of Conveyances, knowingly clouding the home mortgage title and trying to rip off the homeowner, myself. 

When XXXX started putting the home into auction level at XXXX of XXXX he assigned a commissioner from the same law firm, XXXX XXXX XXXX where we hired the saboteur for the case and paralegal, XXXX XXXX. This was a Conflict of Interest that Judge XXXX failed to place on the record despite removing Mrs. XXXX XXXX of XXXX XXXX XXXX as commissioner. 

When he put a new commissioner it was still a Conflict of Interest and wound up being my children 's and ex 's cousin XXXX XXXX XXXX who we proved was still tied to XXXX XXXX XXXX, XXXX and also XXXX XXXX that worked as his law partner and was a fellow member of the same religious church community that had done off the record work for Mr. XXXX 's former co-worker and church member, XXXX XXXX, who had been kicked off another small vacant property our family owned in XXXX side by the same Judge about 20 years ago. 

She still came forward and tried doing things on that land such as taking advantage of war veterans illegally as she is not a licensed social worker and housing them outside on other people 's property in the rain to profit from her 501 ( c ) 3. 

Not to lose focus all these people were in cahoots and the Judge again refused to see a conflict of interest in my children 's familial cousin XXXX being the commissioner as well as his ties to another case I was in, and as well as the party conflict since he was tied to XXXX XXXX XXXX who I hired once again the fake lawyer from their firm who set up our case going into the default and kept trying to convince us into short selling with his friends before and after the sabotage that XXXX XXXX refused to fix. 

Now, we tried appealing in the Intermediate Court of Appeals, but fumbled the ball of the deadline and bought about 6 months more time. The auction details kept stretching out and eventually we filed a federal complaint for all these fraud events happening in the United States District Court of Hawai'i in the spring of XXXX. 

In the process we discovered that XXXX had been using unusual circumstances and rulings to put the homes he desired from XXXX area auctions in the pockets of his buddies by the pre-auction games many have done around here for awhile. Ex-CIA agent XXXX XXXX XXXX did this write up on XXXX XXXX all should see and it involves almost all the XXXX churches here on XXXX. 

He is in the XXXX XXXX XXXX XXXX XXXX as were other clerks in his court whiting out documents, deleting or making documents disappear, backdating files, and we even have proof of forgery. Now we get to the good part of this story because these crooks working with PNC locally for their own benefits can not control themselves. Check this out. XXXX XXXX XXXX I have witness my Motions denied with no judge present several times. At the last hearing in XXXX of XXXX Judge XXXX allowed a lot of unknown lawyers to guest appear in the case such as XXXX XXXX I had retained before ( another Conflict of Interest ), and XXXX XXXX XXXX who either himself forged the auction Order proposal of the Commissioner, XXXX XXXX XXXX ( cousin of my children and ex ) or had someone else forge the documents with the clerks in the Court that attend the same church as Judge XXXX. We have witnessed and people documenting and photographing everything that goes on giving affidavit and witness testimony as this case is in three ( 3 ) courts at once in Hawai'i. 

It is still in the XXXX Circuit, XXXX where it started as well as the Intermediate Court of Appeals in  XXXX, and United States District Court Case of Hawai'i. There is proof that the Supreme Court Justice Judge,  XXXX XXXX is tied to XXXX 's house home benefits and assets when home owners get their houses stolen with the help of the court officials and lawyers getting kickbacks from the bank. 

Mr. XXXX never sent any reply to our Proposed Order on the Auction because he died upon XX/XX/XXXX. This is when XXXX XXXX finished up the paperwork in XXXX with XXXX 's forged signature and they backdated the document to XX/XX/XXXX ( 6 days before his death ) and slipped it in the physical volume II of our case XXXX ( XXXX ) despite all case work being filed electronically in XXXX of XXXX thereafter. 

My son, on XX/XX/XXXX first witnessed the secretly backdated and forged document and brought attention to fraud in the court house and took documented pictures. The clerk there to cover their tracks loaded the backdated-document in electronically, but did a maliciously wrongful thing, by allowing the date to be as XX/XX/XXXX when it was uploaded in XXXX. 

More acts of fraud were committed when PNC Bank 's firm XXXX XXXX  XXXX handling the case for them in XXXX had their lawyer XXXX XXXX produce a never before seen, cut and pasted document of a never existing allonge from XXXX directly to PNC. We called it out as fraud right away and the judges would not allow the dismissal to go forward on their behalf as they saw it as a ploy. Further, before any foreclosure or auction order was given by dirty handed XXXX, his associates in the XXXX XXXX, XXXX XXXX also tied to his cousin and my children 's cousin was marketing our home that it is not even easily flippable at it's $ XXXX dollar low value at {$690.00}, XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It would take them a XXXX dollars to make it worth that much. Land itself is destroyed and poisoned, There are rat problems caused by old pineapple fields, leaks in the roofing everywhere, busted pipes, one working toilet with a very badly messed up septic tank system, electrical problems and fire hazards, that we maintain to survive. It is not quite condemnable, but nobody has a right to try and sell your home before you get an order against it from the court which XXXX was glad to help PNC with for his own unjust enrichments with his company of lawyer friends and family, Right after they started trying to rush the auction the lower court and still are trying to do so despite all this fraud. XXXX himself even showed up and tried to intimidate my son in public possibly or check out my son who was documenting these things for me. 

There have been people that work for and around XXXX begging to come work at home for us and look into our personal files? Get out of here! And then they sent Department of Health and XXXX XXXX to try and get a report for condemning our house to the State so that they could kick us out before due process is finished with PNC in the United States District Case- complaint for all these acts of Civil R.I.C.O. , fraud,  aiding, albeiting, collusion, and much more. 

The lawyers at XXXX XXXX XXXX that represent PNC Bank, even had our Proof of Service by Process Server sabotaged for a time when they had their server XXXX XXXX tell us that it was not a conflict of interest for her to serve them as we paid her to do and then play games with us for weeks and acting like she did not see our letters or filings. 

We have names of almost every clerk in XXXX 's clerk in on the fraud and collusion. XXXX XXXX is probably being framed since her stamp with a back rolled stamp to XXXX was done in XXXX. I do not believe she would have risked her name. I believe it is another clerk. 

Any in Court room 3 at XXXX XXXX XXXX which is former Judge XXXX 's chambers, but he still comes in and out of retirement to try and steal homes from elderly, children, and grandchildren here at my house for Unjust Enrichment as he did to the XXXX family. 

There are ties to a XXXX XXXX, and notice of many secret and stolen land ownership deeds with Judge XXXX 's signature stolen from local Hawaiians here and his newly groomed Judge XXXX XXXX according to investigators in the XXXX case I provided the link for. 

We should not have our home taken from us nor should we file a bankruptcy with a crooked bank that never had the wet note or any formal switch given to them by a valid allonge or anything of the sort. These matters and much of the evidence is in court along with affidavits and soon to be called witness testimonies.

One of the last events because I can not fit them all here involves 6 sets of affidavits being stolen out of the U.S.D.C. court where we are currently at. That was important evidence and we feel the judge should most certainly given the TRO against the banks and all the crooks involved we know, but PNC 's accomplice, XXXX is tied with the XXXX XXXX XXXX XXXX has power with the Supreme COurt Justice of XXXX XXXX that gave him XXXX 's best Judge award ( total XXXX ), and some of the federal court Judges have also been appointed by Obama who still has ties and political connections here. 

Obama and my down the road neighbor XXXX may wish to stay clear of these crooks. While Hawai'i has a homelessness issue, these people perpetuate it and hope to gain and flip houses off the backs of struggling and suffering Locals. We do not want a house for free. 

We want a proper bank that is on the note and the proper mortgage, but we have been frauded from the beginning with Mr. XXXX XXXX who gave it to more crooks that wound up with PNC that works with Public Officials that do their own sabotaging of cases to gain on the auctions. 

There's so much more I could say here and we have documented these awful crooks for years and been patient while XXXX threw everything out of court we requested. He even refused to recuse himself despite the fact that my last name is connected to his family even though this is my step husband 's surname and my children are directly related to his family of XXXX, XXXX, and XXXX. He perjured himself in court on video when he acted like he was not related to these names or overtalked me to avoid hearing the relation. 

I mentioned that on cdr video as well as my children 's relation to deceased XXXX which tied the judge and commissioner together as a huge conflict of interest besides their inner church ties. We have also asked that our case be dismissed, but the banks do not want this even though the entire thing has been a fraud and a sham. 

If they do manage to auction us out we will still sue the living XXXX out of them and XXXX as they had no right to foreclose at all to begin with. Now, that we are in federal court and we see hands exchanging and clerks in the XXXX XXXX slipping in illegal and forged documents into files with backdates which is illegal too, we know what we are up against. 

They do all they can to thwart us, but our handwriting expert is a former FBI agent in the mainland of California. We suggest they get ready for exposure as we have been detailing the news connections and everyone else about this. Also, there are Hawaiians that have a valid claim to the old patents on this home and land which validates their true ownership and they never signed a thing with the banks or construction company that illegally built here since the XXXX. 

PNC did all these crimes of fraud and Civil R.I.C.O. combined with filings of false deeds and dirty clouding of title, use of public officials in collusion, forgery, and more. It is time the lawyers for PNC Bank, including XXXX XXXX XXXX XXXX XXXX, XXXX, and all their connections for XXXX XXXX XXXX, specifically XXXX XXXX XXXX, that put together a fake allonge get fried and we see justice at last. 

We look forward to the trial date even if me, my children, and grandchildren are homeless by then. We will sue the XXXX out of them! Also, XXXX XXXX jumped in out of nowhere to represent deceased commissioner XXXX XXXX XXXX the commissioner who himself was a lawyer and never needed XXXX before, more reason that we know forgery was committed or hired by Mr. XXXX a former XXXX XXXX   XXXX, XXXX lawyer now working for XXXX XXXX XXXX of XXXX. 

He never entered or put notice of entrance of counsel nor was their any notice of counsel leaving the case before he jumped in. Highly suspicious and all are said to represent PNC, Bank N.A. I am very old and all of this can affect my health as it has. Intermediate Court of Appeals case brought forward for the new Auction Orders was done on XX/XX/XXXX as XXXX and can be viewed on JEFS if you are registered for {$250.00} every 6 months. 

The United States District of Hawai'i case also pending is XXXX XXXX and charges on Pacer.gov by the document you look at once you set up an account. In the XXXX Circuit Court of XXXX you can also go there physically to look at it or pull it up free of charge or on JEFS system uned CV ) Foreclosure ) XXXX ( XXXX ) or online version of the case is written as XXXX, which costs money. 

The Judge and company also backdated the XX/XX/XXXX Order because my son checked thoroughly all documents on XX/XX/XXXX upon filing paperwork for me and it was non-existent in the XXXX Circuit. We are writing books on these matters. 

Corruption is corruption and nobody should benefit or steal your family 's home using a bank such as PNC that had no claim from the get go. XXXX allowed it for his own advantage as did his affiliates working to sabotage our case all around. We just had to resend documents because important ones went missing or stolen from U.S.D.C. - T.R.O. is what is needed and a Stay of Foreclosure until the Fraud investigation is done. Let 's fry these crooks and keep fighting the good fight!!

Company response to consumer: Closed with explanation