Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX : XX/XX/XXXX ; XXXX  {$770.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, XXXX, Oklahoma XXXX PNC Bank , XXXX XXXX XXXX  XXXX XXXX : XXXX {$770.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Attorney : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX Re : This third-party interloper sue without proper notice ; Refused Validation Dispute : Per : Promissory note security instrument 15 USC 78c ( a ) ( 10 ) : ( A ) I am disputing the debt alleged by attorney XXXX XXXX ( He ), third party interloper, allegedly for PNC Bank NA , who has unlawfully filed suit to collect an unreported Internal Revenue Service taxable event, and unsubstantiated claim of debt. Third party interloper- XXXX XXXX has refused many requests for debt validation, including a Notice of Error and for QWR [ Qualified Written Request ], and to provide other items including a {$170000.00} dollars extension of credit/payment receipt, canceled check, money transfer transaction, tax or any records showing funds transferred on my behalf. ( B ) I dont believe this is my debt because, I have asked third-party interloper XXXX XXXX to prove- debt owed by me, as they refuse disclosure funds transferred on my behalf receipt records dating between XXXX. I requested record via XXXX ; Notice of Error including several affidavits of fact sent for over two ( 2 ) years now, and have defaulted them for failing to answer or provide evidence of a loan money transfer. Yet they began a foreclosure action to adverse the property. ( C ) The amount is wrong because, He fails to provide the statutory provisions deeming that a note security instrument is deemed a debt and not a ( asset, credit, monetary instrument, negotiable instrument, payment order, order paper, check ) deposit cashed. Which leads to speculation of did the note instrument already payoff the property? Thus, the Mortgage transaction looks like an intermediary fee for processing the note to settle property purchase with the seller. Misleading deception using terms and words loan, lender, borrower, fictious use of language fail clear concise terminology saying the word loan instead of service fee. Thus, usury excessive fee charge ranging 10,000 % over value of service. Fail providing invoice rate of service disclosure that it would cost me {$170000.00} dollars plus 3.625 % payment for 30 years plus pledging {$350000.00} asset property for a fee not credit extension loan repayment. Because theres no loan to repay. Where refused providing evidence of loan extension of credit funds transferred for said loan thus, property pledged for payment obligation deems threat duress coercion inducement to fraud act of omission deceptive, failure to provide terms disclosure the note note security instrument would be converted/swap/switch into a negotiable instrument/check by means of the undisclosed third-party endorsement attachment with the words : pay to the order of bank president XXXX XXXX XXXX. Exhibit A : Hidden Signatures on note ( D ) Other, for lacking good faith : ( 1 ) He, refusing to validate debt yet demanding {$170000.00} and unlawfully set foreclosure processing. Refusing to provide tax information, tax ID for taxable events over {$600.00}, refuse to provide filing of IRS Form 8300, required filing for money transactions over {$10000.00}. ( 2 ) the alleged Mortgage document filed on county public records fails certification with, The XXXX XXXX Department of Revenue Apostille office and XXXX XXXX XXXX XXXX having no Notary acknowledgment or seal and identification number to verify a signature. Missing Mortgage ( bill ) maker liable signature. Thus, evidence of an imperfected mortgage deems- void. ( 3 ) The signature on the mortgage and note is not mine, it is forged! Exhibit B : Missing Notary Acknowledgment ( 4 ), the endorsement of XXXX XXXX XXXX XXXX was never filed on record at the county clerk office a failure to disclose that the ( promissory note ) note security instrument was changed after closing day XX/XX/XXXX, by other people endorsement and signatory. Evidence non-disclosures about other parties signatory attachments after closing is evidence the act of omission deception inducement to fraud- Deems Any and all contracts-void. Exhibit A : Hidden Other Signatories on note

Company response to consumer: Closed with explanation