Consumer complaint received 2025-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Protection from Harrassment Act XXXX  12. The Theft Act XXXXXXXX XXXX The Bills of Exchange Act XXXX  14. The Proceeds of Crime Act XXXX  Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. 
That the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  extended liberties and rights granted by the Bill of Rights to formerly enslaved people. 

XXXX XXXX XXXX XXXXAll persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.

Section 4. 
The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. 

This whole contract has been Very Detrimental to my XXXX XXXX XXXX XXXX to my CONSCIENCE!!! XXXX 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! 369 VIOLATIONS : Excessive Taxes On Escrow.

MISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS XXXX!!!!!!!! ! XXXX VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! XXXX WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! XXXX This XXXX XXXX XXXX XXXX XXXX " XXXX debet locupletari ex aliena jactura ''. 

The Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act XXXX Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! XXXX Enticement To Slavery Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] XXXX. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 

XXXX Louisiana Laws Revised Statutes Title XXXX - Motor Vehicles and Traffic Regulation XXXX. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle. 
B. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance. 
C. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( XXXX ) The amount of the deposit or down payment. 
( XXXX ) Whether the money given is either a deposit or down payment. 
( XXXX ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment. 
( XXXX ) A time limit in which to complete the transaction not to exceed XXXX days. 
( XXXX ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers. 
( XXXX ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition. 
( XXXX ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition. 
XXXX If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( XXXX ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer. 
( XXXX ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment.

( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction.

( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.

( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section.

E. It shall be unlawful and constitute a violation of this Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section. 
Acts 2014, No. 423, 1 ; Acts 2016, No. 288, 1.

18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right. 
Unlike most conspiracy statutes, XXXX doesnotrequire, as an element, the commission of an overt act. 

The offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to XXXX years imprisonment unless the government proves an aggravating factor ( such as that the offense involved XXXX  aggravated XXXX XXXX, or resulted in death ) in which case it XXXX be punished by up to life imprisonment and, if death results, XXXX be eligible for the death penalty. 

XXXX XXXX Code XXXX ( XXXX ) Debt means ( A ) an amount that is owing to XXXX XXXX account of a direct loan, or loan insured or guaranteed, by XXXX XXXX ; or ( B ) an amount that is owing to XXXX XXXX account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by XXXX XXXX, or other source of indebtedness to XXXX XXXX, but that is not owing under the terms of a contract originally entered into by onlypersonsother than XXXX XXXX. 
( XXXX ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt. 

( XXXX ) Personincludesa naturalperson ( includingan individual XXXX ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an XXXX tribe. 

( XXXX ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt. 

( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ).

( 14 ) State means any of the severalStates, the District of Columbia, the Commonwealth of PuertoRico, the Commonwealth of the Northern Marianas, or any territory or possession of theUnited States. 

( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States.

Art VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged. 

Fourteenth Amendment, Section XXXX : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Relization ) ARTICLE XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 
I AM THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation