Consumer complaint received 2024-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or 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 Sent via USPS Mail XXXX XXXX XXXX, XXXXXXXX PNC BANK  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Washington DC XXXX CFPB COMPLAINT : ILLEGAL FORECLOSURE BY PNC BANK We will be referring the illegal foreclosure ( explained herein ) perpetrated by PNC Bank in collusion with XXXX on our property to the Department of Justice Mortgage Fraud Division for potential criminal prosecution PNC remains unresponsive to our CFPB Complaint, after about 3 weeks, to this complaint which appears to be an indirect confirmation of the all the facts and assertions we laid out below and an admission of their guilt. 

PNC BANK DID NOT OWN THE MORTGAGE ( SECURITY INTEREST Our research reveals that PNC Bank ( PNC ) illegally falsified and fabricated the Assignment of Mortgage ( AofM ) to itself and recorded in the public land records on XX/XX/XXXX. ( See attachment ) PNC consciously conducted a foreclosure sale of our property at XXXX XXXX XXXX, XXXX, AL XXXX, knowing full well that it did not own or have any ownership interest in the mortgage ( security interest ). Thus, the said foreclosure sale was illegal, a fraud and null and. ( See attachment. ) Previous to the foreclosure on XX/XX/XXXX, willfully contrived to have its employee, XXXX XXXX XXXX, to masquerade and pretend to be an Assistant Secretary of Mortgage Electronic Registration System ( MERS ) and signed and executed a bogus AofM from MERS to PNC without any authority to do so. This falsified and fabricated AofM appeared to have been prepared by XXXX XXXX  also an employee of PNC ( see her attached  XXXX in profile page ) and was recorded in the public land records on XXXX/XXXX/XXXX. 

This AofM appears to have been a conscious criminal document forgery and falsification activity between PNC and its employees XXXX XXXX XXXX and XXXX XXXX without the knowledge and consent of MERS. 


EMPLOYEE OF PNC BANK HAD NO SIGNING AUTHORITY FROM MERS. 

XXXX XXXX XXXX XXXX is an employee of PNC Bank ( see her XXXX page showing employment with PNC Bank ) and was consciously and fully aware that she had NO business and NO authority signing for MERS, yet did it anyway. XXXX XXXX willfully and knowingly performed an illegal act : falsifying and forging a legal document and perjury lying under oath before the notary public Nowhere in the assignment of mortgage is there any signing authority for XXXX XXXX to sign for MERS. 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 IS PUNISHABLE BY POTENTIAL FINE AND IMPRISONMENT XXXX XXXX willfully and consciously attested before the Notary Public, XXXX XXXX, that she executed the document in her authorized capacity knowing full well that that statement was a willful lie and that she had no authority signing for MERS. XXXX XXXX criminal. 

Falsifying any part of the notarial certificate could lead to criminal charges of fraud or forgery and potential jail time, as well as hefty financial penalties 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. 

SALE OF PROPERTY TO XXXX IS NULL AND VOID Because PNC did not own the mortgage, and thus, THE SALE OF THE PROPERTY TO XXXX IS NULL AND VOID. This misrepresentation of PNC to XXXX that it had beneficial ownership of the mortgage is a lie and XXXX can pursue an action for PNC to take back the property and seek punitive damages against PNC. 

SUMMARY PNC several criminal acts : 1 ) In connivance with its employees, XXXX XXXX XXXX and XXXX XXXX, PNC knowingly and maliciously falsifying and illegally fabricating the assignment of mortgage recorded in the public land records on XX/XX/XXXX. 

2 ) willfully and maliciously conducting an illegal foreclosure action on our property on XX/XX/XXXX that caused us untold severe emotional pain, anguish and suffering. 

XXXX ) It appears that PNC willfully encouraged the commission of perjury by XXXX XXXX XXXX, one of its employees XXXX ) Illegally and consciously sold our property, in a foreclosure, to XXXX knowing full well that it had no ownership interest in the mortgage ( security interest ) of the property. 


PNC remains unresponsive, after about 3 weeks, to this complaint which appears to be an indirect confirmation of the all the facts and assertions we laid out and an admission of their guilt. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation