Consumer complaint received 2024-03-22 00:00:00
Product: Mortgage — Conventional home 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: AL

Complaint narrative:
XX/XX/XXXX RESPONSE FILED WITH THE CFPB Property Address : XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX Executive Client Relations XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX Copy sent via XXXX Mail XXXX XXXX XXXX, XXXX PNC BANK Tower at XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Washington DC XXXX Subject : The Statute of Limitations on Mortgage and Foreclosure Fraud is 10 Years from the Date of Discovery of the Fraud Dear XXXX XXXX XXXX ( no last name provided ) : This is in response to your, what we consider, non-answer to our complaint. 

Our Research After our Initial Surplus Funds Complaint Discovered the Fraud Our research discovered the mortgage and foreclosure fraud of PNC Bank after we initially filed a complaint for refund of the misappropriated surplus funds from the foreclosure of our property. 

Our discovery of the mortgage/foreclosure and the complaint we subsequently filed with CFPB against PNC Bank has essentially superseded the issue with the of surplus funds misappropriation. 

On paragraph 3 of your letter, you repeated our complaint ( CFPB No XXXX ) that PNC fraudulently falsified and fabricated the Assignment of Mortgage, pretending to be an employee of the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). 

No Challenge to Our Complaint of Willful Fraud Then you essentially did not challenge our complaint of willful fraud ( thereby essentially admitting to it ) and instead in, paragraph 4, you said the time to challenge the foreclosure has long passed. 

Please check with your legal counsel, the statute of limitations on mortgage and foreclosure fraud is 10 years from the time of discovery. 

Our research, after filing our initial complaint for misappropriation of foreclosure sale surplus funds, forensically and carefully examined all the documents PNC has filed regarding its foreclosure action on our property. And that is how we discovered the blatant forgery, fabrication and fraudulent manipulation of the Assignment of Mortgage. It proves that PNC Bank maliciously intended to defraud us. 

The Assignment of Mortgage Itself Bears the Proof of Fraud As we have marked and annotated, the Assignment of Mortgage itself is, on the face of it, appears to be the living proof and the XXXX XXXX evidence of the willful commission of fraud by PNC Bank. 

We stress and note that you did not challenge our discovery of the fraud which to us is an admission of PNC Bank complicity and guilt. We are not sure what bank records would dispute that. 

No Proof Provided that XXXX XXXX Had Requisite Authority Your claim on the 2nd to the last paragraph that you have confirmed that XXXX XXXX had requisite authority to execute the assignment on XX/XX/XXXX, we believe, is a lie. 

If she had that authority, it would have been made part of the assignment recorded in the public land records or attached to your response. In any future civil suit discovery, we plan to subpoena this claim of yours that XXXX XXXX had requisite authority. 

We believe that that legal mechanism will allow us to prove you are lying. 



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Company response to consumer: Closed with explanation