Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
RE-FILE for CFPB investigation with : My Response to XX/XX/2023, from XXXX XXXX from XXXX XXXX XXXX, ... ...... 
Re : CFPB case number XXXX XX/XX/2023 ..... 
On XXXX XXXX, 2023, XXXX XXXX by autographed letter addressed to CFPB in response to my debt validation claim did perjure himself with such response ..... 
In his letter, he infers he sued me on behalf of PNC bank, this is false. I, first filed lawful suit against a XXXX XXXX XXXX dba PRESIDENT FOR PNC BANK NA, on XX/XX/2023, after 2 years sending numerous unrebutted, non-responded debt validation affidavits. My successful process of service affidavit delivery to XXXX on XX/XX/2023, for which XXXX XXXX is the lawyer who responded to my lawsuit .... 
EXHIBIT A : Service to XXXX XX/XX/2023 .... 
XXXX XXXX provided no answers to any of my claims, for deceptive debt practices and debt validation and instead had them dismissed in the Chancery venue action .... 
[ Deceptive Omission Perjury, XXXX XXXX ( HE ) failed to prove-debt within 15 days of receiving filing on CFPB as of XX/XX/2023. HE, by replying accepted to respond under the penalty of perjury. Non-disclosure, HE failed to provide the contract HE claims default evidence deeming the court intervention. Thus, perjury failing disclosure holder of certified original blue wet-ink signature Mortgage and note claiming in dispute because they dont have any contracts ]. HE/PNC ( They ) were not signatories to the original agreement. They can not satisfy the basic requirement of contract law that a plaintiff suing on a written contract must produce a signed contract proving HE is entitled to relief. Qualifies as a real party of interest, HE fails to mention the note the main issue of the CFPB investigation as to it being altered after closing without disclosure it being the source of the money funds used to payoff the property, it missing. The note and mortgage are inseparable ; the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while an assignment of the latter alone is a nullity. '' XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) .... 
EXHIBIT B : XXXX XXXX XX/XX/2023 .... 
Thus, XXXX position should have ended when his motion got my lawsuit and XXXX the person XXXX process served dismissed with prejudice. To the best of my knowledge there is no lawsuit case, no consolidation of cases because my lawsuit is completely purged not active doesnt exist on the record. Thus, XXXX implication that HE and I have a lawsuit is deceptive, HE fails to provide affidavit for process of service, responded to under penalty of perjury .... 
EXHIBIT C : Process of XXXX XXXX dismissed .... 
Further, XXXX XXXX implication that debt validation is being addressed omits the fact that my debt validation motions were all dismissed/ denied without reason in law .... 
EXHIBIT D : XXXX and XXXX Denied debt validation Orders... 
Thus, the reason for my CFPB filings for debt validation ..... 
Merit, my attached re-filing for the CFPB debt validation is with stipulation for any response to be made under penalty of perjury by an authorized person with evidence of wet-ink signatory contract in dispute .....

According F.R.Civ. Pro. 17, [ a ] n action must be prosecuted in the name of the real party in interest.

Company response to consumer: Closed with explanation