Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: HI

Complaint narrative:
There is to much to describe in one sitting. The bank had committed title fraud, they are not the bank nor servicer qualified to foreclose, but were allowed to do so anyways by the incompetence of the XXXX XXXX XXXX of XXXX, XXXX. Who with more than incompetence had multiple acts of collusion and fraud within their facility involving our wrongful foreclosure case such as allowing a non-lawyer who was friends of theirs, XXXX XXXX XXXX to start blowing our case when he didn't show up to court as he promised us to in XXXX and despite evidence that he was only an accountant for XXXX and XXXX XXXX firm in XXXX, HI they did not allow us to reshow evidence. We took matters to several appeals and even made a federal complaint in the XXXX which was appealed to the United States XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, California following noted fraud and forgery of a deceased Commissioner, XXXX XXXX XXXX, who had been assigned to our home before any actual foreclosure or auction procedures could begin in the XXXX XXXX. He died prior to making any further actions against our home, but after his death, his signature was forged by a XXXX XXXX of XXXX XXXX XXXX law firm on XXXX back in early XXXX. We noted these illegal actions in the court documents themselves along with how there were secretaries and clerks signing off and rejecting certain motions when the Judge was not present or at court. They were doing his signature without permission and there are certain clerks who had been reported for tampering with evidence and our files as well as doing strange sign offs when the judges were not at all present. Either on vacation, on leave or not at work. And comparably the signatures differ, but Hawaii unlike California does not maintain handwriting or forensic handwriting experts, but they can be called as witnesses from California. A former FBI agent whose an expert on handwriting agreed there were discrepancies and at any rate there were many pauses in the foreclosure process such as XXXX XXXX for awhile and then last year 's XXXX XXXX which majorly affected us and our families as we had members of our family die in the XXXX fires. The bank, PNC, of Pennsylvania and Ohio was doing unscrupulous things with its lawyer, XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX as during the XXXX moratorium they just jumped our case to the auction process illegally having breached the moratorium and put Notice of Public Auction sale in XXXX and XXXX when we hadn't even gotten to that process of the Wrongful Foreclosure in the court. They claim they did this over 3 times. Despite disasters and FHA moratorium, they refused to offer us disaster relief options for our home loan which is in default improperly as they have never shown a right to ownership of any kind even when called to question for production of documents and other evidence in court where they knowingly refused to produce the note or show any chain of title. They merely filed an unlawful foreclosure as a deed into the title change company and committed major acts of fraud for which others were bribed in collusion with them. They had been backdating many documents on numerous occasions so we started snap shotting and screen shotting about 70 different files for which the numbers will change or add with an older date something that was not filed before For example they filed request for removing the Stay of Moratorium of XXXX without warning on XX/XX/XXXX after the XXXX fires of XX/XX/XXXX. We replied to them a judge had not approved it. Then they went backwards in their electronic system committing fraud in collusion with the bank PNC, these are court officials and the new commissioner who was in with the last judge 's wife whose cohorts benefit off of auctions that were removed from official record for private gain such as Judge XXXX whose been noted a lot on it by other allegations against him. All of the sudden you see documents filed on XX/XX/XXXX and between that time until XX/XX/XXXX and a sudden Judge 's signature whose name and everything is unclear. Only the clerks XXXX XXXX and XXXX XXXX are listed with XXXX XXXX XXXX who works with the Judge 's wife 's family, XXXX and others in auditing. There are 291 files and if any change in number we have to look for more backdating. Furthermore, there are some other interesting factors here besides a lack of interest to buy our distressed home on their illegally pushed auctions which breach not only XXXX XXXX which is good until XXXX, but the FHA moratorium which is good until XX/XX/XXXX. The criminality of it all stating that they own our home based on the fact that PNC is a merger of XXXX XXXX is moot and as XXXX XXXX never had a right to our home either and we maintained the rejection letter from our XXXX XXXX XXXX XXXX XXXX they were rejected to buy or service the loan and that XXXX would be working with XXXX. This note came when we bought the home in XXXX of XXXX. We want Banks and others who commit title fraud and who breach XXXX moratoriums to be accountable and this includes everyone in public official and other administrative areas they colluded with in a racket to defraud me of my home. The Judge in the XXXX XXXX XXXX of Hawaii, XXXX XXXX is so tied to the racket that she forced us to remove all allegations of XXXX against her cohorts and fellow religiously tied court members in the same racket and he husband 's name came up a few times as well. WHat do you do when a bank that had no right to foreclose on you to begin with does all these illegal things such as hire public officials to work against you for their gain, when the bank breaks every law, has counsel with forgery and theft, deception, acting in a form of racketeering for benefit, holds auctions against federal moratoriums for your region in disaster, refuses you the home mortgage any disaster relief options while pretending to be the mortgage company because the court gave them that leverage? Some of the court officials and lawyers drove other families out of their homes and auctioned them to each other. It's an agreement between criminals and not a normal occurrence for home loans at all even if in default. We went into default due to other forms of fraud with a dual mortgage and balloon mortgage hidden in the clause where the owner of our XXXX XXXX, XXXX XXXX did 21 years for embezzlement as the fall guy for other crooks in the branch and he's still in prison now in Hawaii as a federal prison charge. The bank PNC was only to me a Mortgage remodification assistance company and for them to claim themselves as our mortgage company falsely while trying to be a dispute or credit dissolution type company at the same time is unlawful in the state of Hawaii. They merely identified themselves as the title owner because we won a class action against loan modification scammers with XXXX XXXX and XXXX XXXX who had them listed wrongfully as title to our home because of us getting paid out in the class action, but they should not have been confused as having had a right to our home as they merely baited us with home modification schemes for which we paid them XXXX XXXX or so and then they said we didn't qualify for assistance. What they did breaching the moratorium was a tragedy. Our uncle XXXX XXXX was burned alive with his dog in the XXXX fires. These people are unthinkable. The current commissioner who works for the Judge XXXX XXXX wife 's people is supposed to be for veterans. People in this house are from a long line of veterans and those who served for XXXX. I was married to a couple of veterans and am the ex spouse of United States military veterans as well, but this XXXX lady, XXXX XXXX XXXX XXXX also showed no consideration as she pushed her agenda on our home and we've had people in front of our house harassing us as well threatening to take us over and trying to drop false files on us. The fake and illegally pushed auction status has way too many people excited to burn us and chase us from our familial home at this time. These banks and fraud committers need to be held accountable.

Company response to consumer: Closed with explanation