Consumer complaint received 2024-05-26 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: FL

Complaint narrative:
sent company the information about mortgages are fraud and everything is prepaid due to XXXX XXXX of XXXX i ask for original contract got copies of some other things like my payment history i ask for original check and promissory note i received promissory note and paperwork that this contract is fraud in there on words but the company says we still owe them how when its bankruptcy i XXXX the XXXX XXXX XXXX XXXX asked the company to rescind my signature they denied it i filed a 1099a irs accepted bill company denied this as well on sec.gov it tells us mortgages are fraud and to stop giving the banks our money i had secured all debt on a ucc 1 copyrighted my name and have a fee scd locked in for anyone who goes against equity law and my name as the living man. privacy act 5 usc code 552a means the term " record '' means any item, collection, or grouping information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. This include the consumer report conditions of disclosure no agency shall disclose any records which is contained in a system of records by any means of communication to any person, or to another agency except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 371 ( e ) of title 31. which states when trying to collect a claim of the government under a law except the internal revenue code of 1986 ( 26 u.s.c.1et seq. ) the head of an executive, judicial, or legislative agency shall disclosure to a consumer reporting agency information from a system of records that a person is responsible for a claim if the agency is complying with all laws of the united states related to proving consumer credit information either way they have violated not only the fair credit reporting act but also the privacy act of 1974. according to the fair credit reporting act 15 usc 1681 section 602a states there is a need that the consumer reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy. i have a right to make sure my private information isnt shared which is backed by 15 usc 6801 which states it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title 15 usc 1681 section 604 s section 2 states that in general subject to subsection ( c ) 15 usc 6802 ( b ) ( c ) states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unled the consumer given an explanation of how the consumer can exercise that nondisclosure option. furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. not only that 15 usc 1681c ( a ) ( 5 ) states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. on sec.gov states mortgages are fraud. the house is mines it was a gift and they are using my money out of my trust account without my permission. UCC3-3059a ) ( I ) we can refused to pay on all instrument bill is fruad

Company response to consumer: Closed with explanation