Date Received: 2021-02-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello I am a single XXXX American woman residing in XXXX NY. In XXXX of XXXX I purchased my home in the XXXX XXXX section of XXXX NY. The total purchase amount was considered a jumbo loan so I had to take out 2 loans at closing ... one was a conventional mortgage at 4 % and the second was a line of credit from PNC bank for the balance {$150000.00} The interest on this second mortgage was and still is 9 %. I have tried 4 times throughout the life of this loan to modify to a lowered interest rate. Each time up until recently ( XX/XX/XXXX ) in the XXXX of a pandemic I have been denied. I started the process in XX/XX/XXXX, submitted numerous documents via fax and XXXX only to be told that I did not qualify for a modification, that I had exhausted all other options and that I am now 4 months past due. The reasons given for the denials is always that my income is not sufficient to qualify. So I am forced to continue to pay an interest so exorbitant on a package they no longer offer for new applicants due to its predatory nature. I believe that ECOA violations have occurred and I wish to file a formal complaint against PNC bank for Discriminatory mortgage lending practices.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On or around XX/XX/XXXX I began having problems making my mortgage payments. I reached out to PNC and explained that I was laid off of my job and was actively looking for a job. I was told to complete a payment packet for loan servicing. I at the time included my husbands income and the back child support documents from the local clerk of the court here in XXXX XXXX XXXX. It was requested that I send in the court order and the ledger of the amount that was owed to me. I was told that it would be 30 days before they would make a decisions. I sent in all the information that was requested not 1x but several times over a period of about 9 months because they would say they didn't have what they needed. All information that was requested and submitted in a timely manner although they say it wasn't. After sometime around XXXX or XXXX of XXXX I called PNC to make sure that they had all my husbands check stubs and my documents from a contracting job I had secured and it was confirmed by a representative in loss mitigation. So later on that evening I checked the mail and there was a letter from PNC telling me that they have helped me to much and that I didn't qualify for any of their programs. So I called PNC back and wanted to speak to someone regarding the letter and the representative I spoke to said that they are still processing my application for assistance and that I will hear something from them in 30 days. So I explained that I just received a letter from them in my mail box and she said that it must have come to me by a mistake and that my file was still being processed. In the mean time there was a date set to foreclose on my house in XX/XX/XXXX. I reached out to PNC and their attorneys to see if they would work with me and PNC attorney stated that I needed to pay the {$16000.00}. owed in back mortgage payments and then a while later they said I owed XXXX and then one email said that I needed to pay XXXX. So when we offered to pay XXXX per week until we got caught up they said that it was not an option. I really didn't know what to do at that point. Although I was assured that my file was still being processed and didn't hear anything else from PNC. So basically for months they gave me the run around and my home was foreclosed on and we became homeless a couple days after they shut everything down due to the corona virus. The equity I had in my home was loss and then I was sued by an agent that worked with PNC who said they advanced me XXXX dollars for i don't know what. The county in which I live took XXXX dollars saying that they invested in my home when they gave me the down payment. But the clause that stated in the event that my home was foreclosed on it cancels out the 1st and 2nd mortgage. But they still took the money leaving me on the street. I left my home with a few things and was staying in a hotel until we were able to get a place to stay. The experience was one of the worse events in my life. I had a moral duty to not only be forth coming with PNC regarding my situation ; and I did and it wasn't enough. They dragged this situation all the way out through to the end of XXXX and ultimately foreclosed on my house in XXXX. It is my understanding that the letter I received from them regarding them assisting me as they stated " too many '' times during the life of the loan ; it seemed as if they had already made their decision. They weren't looking to help me at all. I sent in multiple packets because they would request it saying that they either didn't receive a document or they couldn't read it. So I XXXX some documents to them and then they started saying that they couldn't read them. It was my opinion that they had drawn out this situation until the end of XXXX. I do have a couple of emails from correspondence from their attorney who gave me several amounts that was due. My loan # XXXX. My single point of contact was XXXX XXXX
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XXXX, PNC Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, etc. deceived me into believing that a Foreclosure Complaint had been filed in the XXXX County Circuit Court. By law A complaint must be filed with the Clerk of the Court not with a judge. If you look at the majority of these alleged foreclosure complaints, you will see that they were never filed because they contain a judges file stamp and not the clerks file stamp. Again, they have to engage in these criminal simulated filings because the banks never had standing to sue. The majority of laws firms are employees of XXXX XXXX XXXX. XXXX illegally owns numerous of properties that were illegally foreclosed in the state of Illinois and several other states. How Service of Summons is made It is common knowledge that in XXXX County the sheriff must be used to make the first attempt at service of a summons. If the XXXX County Sheriff is unable to serve the Defendants, then the Plaintiff or the Plaintiffs attorney may first file a Notice of Motion to Appoint A Special Process Server. This form is used to schedule the court date when you will see the judge. This is called the hearing date. This form also : Lists the date, time and place where you will see the judge ; Lists the names and addresses of the other parties or the names and addresses of their lawyers ; and tells the other parties in the case about the court date. The Notice is filed with a Motion to Appoint A Special Process Server This form is used to ask for permission from a judge to use a special process server. A licensed private detective or anyone who is 18 years old or over and NOT a party to the case can be used. If a judge grants the request at the time of the hearing, he or she will issue a signed Order entitled Order Appointing A Special Process Server. A reasonable person would infer that the banks do not want to use the sheriff to serve the alleged Defendant ( s ) because they are fully aware that the summons is not valid. If the summons were valid the Defendant ( s ) would be responsible for paying for the cost and the county of XXXX would benefit financially. Hence, it would benefit the county if the sheriff was used. Therefore, it does not take a rocket scientist to know why the banks simulate the use of process servings companies and detective agencies that are owned by XXXX XXXX. When you look at any alleged order appointing a special process server you will notice that they are not signed by a judge. This is yet another of the vast reasons why the alleged defendant ( s ) were never served and the case was void from its inception. The alleged Order Appointing A Special Process Server is never signed by a judge. It contains the PRINTED STAMP name of judge XXXX XXXX. It does not contain the file stamp of the Clerk of the Court. Chief Judge XXXX XXXX XXXX and the rest of his criminal enterprise are fully aware that XXXX XXXX XXXX, XXXXXXXX XXXX and all the service of process companies owned by Chief Judge XXXX XXXX XXXX can not legally serve an invalid summons, can not collect fees, because he runs a criminal enterprise. Further, most if not all of the attorneys that file these illegal foreclosures are employees or affiliates of XXXX XXXX XXXX. XXXX XXXX XXXX has numerous contracts with, the banks, XXXX XXXX, XXXX XXXX, state and federal governments. This means that even if these lawsuits were legal to begin with and they are NOT. The more than 250 law firms that are either employees or affiliates of his could not/ can not be used to file these illegal foreclosures. Most if not all of the foreclosures that have been conducted for decades in the state of Illinois and numerous other states were void without legal effect. It is significant to note, XXXX XXXX XXXX owns the XXXX XXXX XXXX XXXX. A newspaper that caters to attorneys. When his employees fail to serve an illegal summons, they place an ad for publication in said newspaper. The cost for this placement is over {$650.00}. This illegal fee is also added to the alleged defendant mortgage. Like the rule of the federal court. The Illinois Supreme Court also has a rule stating that an attorney must filed a written Appearance or other pleading before addressing the court. A Motion is not a Pleading. Rule 13. AppearancesTime to PleadWithdrawal Addressing the Court.An attorney shall file a written appearance or other pleading before addressing the court unlessthe attorney is presenting a motion for leave to appear by intervention or otherwise Note some of the following relates to this complaint and it taken from the documents that I filed in the courts. Therefore, some paragraphs contain the words Plaintiff and Defendant In order for process of service to be valid and enforceable there must be a case that was legally filed. Let me trick you into believing that a case was legally filed does not count. In the rare instance when a case is legally filed by an attorney it must strictly conform to the statutory and court rules : It must contain the seal of the court ; it must be signed by the clerk, it must be requested ; it must be dated and time stamped on the date and time that it is issued. A judges file stamp consists of a square box, The CH stands for the Chancery The number after the CH is the Judges Room number. Illinois Supreme Court Rule 104 ( b ) requires documents to be filed with the Clerk and not a judge. Further, a lawsuit must be filed in the proper department, for example a foreclosure must be filed in the Chancery Department, a civil suit in the Civil Department a Criminal Suit in the Criminal Department. When not stamped with a judges file stamp some civil law lawsuits will have a Chancery stamp on them. The Criminal Tactics Used To Illegally Foreclose Homes In The State Of Illinois As in all courts throughout the world a judgement becomes final only after it is singed and filed. Illinois Supreme Court Rule 272. When Judgment is Entered states as follows : If at the time of announcing final judgment the judge requires the submission of a form of written judgment to be signed by the judge or if a circuit court rule requires the prevailing party to submit a draft order, the clerk shall make a notation to that effect and the judgment becomes final only when the signed judgment is filed. If no such signed written judgment is to be filed, the judge or clerk shall forthwith make a notation of judgment and enter the judgment of record promptly, and the judgment is entered at the time it is entered of record Amended XX/XX/XXXX, effective XX/XX/XXXX ; amended XXXX XXXX, XXXX, eff. XXXX XXXX, XXXX. Committee Comments. The purpose of this rule is to remove any doubt as to the date a judgment is entered. It applies to both law and equity ... In XXXX the rule was amended to provide that in those cases in which, by circuit court rule, the prevailing party is required to submit a draft order, a judgment becomes final only after the signed judgment is filed. Per the Clerks of Courts Act ( 705 ILCS 105/8 ) ( from Ch. 25, par. 8 ) Sec. 8 : Documents issued by the clerk are required to be signed and bear the seal of the Court. The law states in part as follows : The clerks shall, in all cases, attend in person to the duties of their offices, respectively, when it is practicable so to do, and shall perform all the duties thereof which can reasonably be performed by one person. In the performance of the duties of the office of clerk of the circuit court, any such clerk, after filing with the Secretary of State his or her manual signature certified by him or her under oath, may execute or cause to be executed with a facsimile signature, in lieu of his or her original signature, all forms of process and notices issued by his or her office. " Facsimile signature '' means a reproduction by engraving, imprinting, stamping, or other means of the manual signature of an authorized officer. When the seal of the clerk of the circuit court is required in the execution of any process or notice issued by the clerk 's office, the clerk may cause the seal to be printed, engraved, stamped or otherwise placed in facsimile thereon. The facsimile seal has the same effect as the impression of the seal. ( Source : P.A. 83-346. ) The XXXX County GENERAL ADMINISTRATIVE ORDER NO. XXXX ELECTRONIC FILING ( eFILING ) OF COURT DOCUMENTS states as follows : Electronic Signatures a. Any document electronically signed pursuant to this section shall comply with all applicable laws and rules regarding original signatures on court documents and shall be subject to applicable sanctions. i. Each electronically filed document shall bear a facsimile or typographical signature of the attorney or pro se party authorizing such filing. ii. Documents containing signatures of third parties may be filed electronically and shall bear a facsimile or typographical signature. APPLICABLE FEDERAL RULES OF CIVIL PROCEDURES If a document was/is not signed by an attorney, the judge was/is required to dismiss the case see the Federal Rules of Civil Procedure Rule 11. FEDERAL RULES OF CIVIL PROCEDURE Rule 11 - Signing Pleadings, Motions, and Other Papers ; Representations to the Court ; Sanctions ( a ) SIGNATURE. Every pleading, written motion, and other paper must be signed by at least one attorney of record in the attorneys nameor by a party personally if the party is unrepresentedThe court must strike an unsigned paper unless the omission is promptly corrected after being called to the attorneys or partys attention. The Plaintiff in a case is required to serve the defendant within 90 days if the Plaintiff fails to do the case must be dismissed by the judge. See the Federal Rules of Civil Procedure 4 ( m ) : TIME LIMIT FOR SERVICE. If a defendant is not served within 90 days after the complaint is filed, the courton motion or on its own after notice to the plaintiffmust dismiss the action without prejudice against that defendant ... SOME MAJOR LAWS AND RULES THAT EVERYONE SHOULD KNOW Simulation of legal process is generally defined by most governments as follows : A person is guilty of a misdemeanor who, with a purpose to procure the compliance of another with a request made by such person, knowingly sends, mails or delivers to such person a notice or other writing which has no judicial or other sanction, but which in its format or appearance simulates a summons, complaint, court order or process, including, but not limited to, lien, indictment, warrant, injunction, writ, notice, pleading, subpoena, or order, or an insignia, seal or printed form of a federal, state or local government or an instrumentality thereof, or is otherwise calculated to induce a belief that it does have a judicial or other official sanction. N.H. Rev. Stat. 638:14 APPLICABLE COURT RULES AND DEFINITIONS THAT YOU MUST KNOW OFFICER OF THE COURT : Any person who has an obligation to promote justice and uphold the law, including judges, clerks, court personnel, police officers and attorneys ( who must be truthful in court and obey court rules ). TITLE 28JUDICIARY AND JUDICIAL PROCEDURE 1691. SEAL AND TESTE OF PROCESS : All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. ( XX/XX/XXXX, ch. 646, 62 Stat. 945. ) 18 U.S. CODE 505. SEALS OF COURTS ; SIGNATURES OF JUDGES OR COURT OFFICERS Whoever forges the signature of any judge, register, or other officer of any court of the United States, or of any Territory thereof, or forges or counterfeits the seal of any such court, or knowingly concurs in using any such forged or counterfeit signature or seal, for the purpose of authenticating any proceeding or document, or tenders in evidence any such proceeding or document with a false or counterfeit signature of any such judge, register, or other officer, or a false or counterfeit seal of the court, subscribed or attached thereto, knowing such signature or seal to be false or counterfeit, shall be fined under this title or imprisoned not more than five years, or both. ( XX/XX/XXXX, ch. 645, 62 Stat. 714 ; Pub. L. 103322, title XXXIII, 330016 ( 1 ) ( K ), XXXX XXXX, XXXX, 108 Stat. 2147. ) The Administrative Office of the U.S. Courts ( AO ) created a form entitled AO 458 Appearance of Counsel. This form has been approved for use for all Federal District Courts in the United States. The form states as follows : APPEARANCE OF COUNSEL To : The clerk of court and all parties of record I am admitted or otherwise authorized to practice in this court, and I appear in this case as counsel for, ______________________________. The blank line on this form that is used for the attorneys signature does not contain a preprinted s/ or S/. Most non-attorneys : ( i ) believe that s/ is a proper electronic signature ( ii ) are not aware that the S/ is preprinted on said forms ( iii ) that the ILND Attorney Appearance Forms are proper and the same as or similar to the official Appearance of Counsel AO 458 form. When an attorney types his or her name after the preprinted S/ on the form. The attorney is fully aware that the preprinted /S is already there because they did not physically type the /S on the form with their own hand. In fact, they just placed their name after the preprinted /S. Further the attorney is fully aware that because of the foregoing and following. The client that the attorney stated was allegedly represented by them was in fact never represented at all. A preprinted S should not be in front of the signature line S_______________. The signature line should be blank line ______________________. The sole purpose of the preprinted S/ is to deceive the non-attorney into believing that the form was signed with an electronic signature. Again, the attorney appearance form was never signed because a name NOT an electronic signature or wet/ holographic signature /XXXX/XXXX XXXX was placed after the preprinted /S. When a person clicks on the text box and enters his or her name into it. The name comes in close contact with the S/. Again, because a majority of Pro-se Litigants believe that S/ is a valid attorney signature and for the reasons already stated Pro se litigants are easily deceived. In addition, an Appearance of Counsel/Attorney Appearance must be made prior to or simultaneously with the filing of any document. Let me stress this mandated rule again. An attorney MUST file an Appearance of Counsel along with a Certificate of Service before they can file any documents in court. If they did not it means any document that was filed by an attorney who did not follow the above rules is void without legal effect. A proper and valid Appearance of Counsel form is paramount because if the attorney fails to file one ( i ) their client is not represented in court, ( ii ) they lose the case by default. In addition, it is obvious that if an attorney does not file an appearance monetary damages can not be legally awarded to that attorney or the party that said attorney states that they are representing. The ILND Local Rule 83.12. Appearance of Attorneys Generally states in part as follows : Who May Appear. Except as provided in LR14 and LR83.15 and as otherwise provided in this rule, only members in good standing of the general bar of this [ meaning the ILND court ] Court may enter an appearance on behalf of a party ; file pleadings, motions or other documents ; sign stipulations ; or receive payments upon judgments, decrees or orders. [ The judges of the ILND and XXXX Circuit Courts frequently award attorney fees and monetary awards to lawyers and their corporate friends even though no judgments, decrees or orders have been rendered ] Attorneys admitted to the trial bar may appear alone in all matters. Attorneys admitted to the general bar, but not to the trial bar, may appear in association with a member of the trial bar in all matters and may appear alone except as otherwise provided by this rule. Even if the attorneys had filed an appearance of Counsel or another valid document along with a Certificate of Service which they did NOT. ( i ) Most of the attorneys re not members of the trial bar, meaning that they could not appear alone in court ( could not be lead counsel ) .See EXHIBIT 3 unsigned Appearance of Counsel forms ILND Local Rule 83.12 ( d ) states : ( d ) Waiver. A judge may permit an attorney admitted to the general bar, but not the trial bar, to appear alone in any aspect of a civil or criminal proceeding only upon written request by the client and a showing that the interests of justice are best served by a waiver of these rules. Such permission shall apply only to the proceeding in which it was granted and shall be limited to exceptional circumstances. After the attorney has made a significant amount of money which is several months or years down the line. ( Most of their billion-dollar profits come from simulated cases. ) The attorney will file a simulated Motion to Withdraw. The problem is that an attorney can not withdraw from a case in which they were never the attorney. Even if a valid Appearance had been filed and they were NOT. There are a host of local and federal laws that must be followed before an attorney can withdraw from a case. The requirements for signing a document are will be filed electronically are set out in Section IX ( A ) of the General Order on Electronic Case Filing it provides as follows : Electronically filed documents must include a signature block and must set forth the name, address, telephone number and the attorney 's bar registration number, if applicable. In addition, the name of the efiler under whose login and password the document is submitted must be preceded by an /s/ and typed in the space where the signature would otherwise appear. Page 3 of the above also states what a proper electronic signature should look like as shown below : Incorrect or no electronic signature The attorney logged into CM/ECF must be the same attorney whose name appears on the signature line. The electronic signature, typed at the signature line of the document, consists of the characters /s/ and the attorneys name typed out. For example, XXXX/XXXX XXXX is a properly formatted electronic signature. The Entry of a Judgment vs. Rendition of a Judgment According to XXXX XXXX XXXX XXXX XXXX XXXX, the Entry of Judgment is defined as follows : Formally recording the result of a lawsuit that is based upon the determination by the court of the facts and applicable law, makes the result effective for purposes of bringing an action to enforce it or to commence an appeal. The entry of a judgment is not the same as the rendition of a judgment. Rendition is a judicial act by a court in pronouncing the sentence of law based upon the facts in controversy. Entry occurs after the rendition of judgment and is a ministerial act that consists of recording the ultimate conclusion reached by the court in the action and providing concrete evidence of the judicially imposed consequences. It serves as a memorial of the action. For a final judgment to exist there must be an order that is signed by a Judge and the Entry of a Judgment that is dated and signed by the clerk and or deputy clerk of the court. Like other documents issued by the clerk of the court, such as a summons and a subpoena it should also have the seal of the court. While it is true, the clerk of the District Court is authorized to spread upon the court docket the proceedings had and relief granted by the court and to that extent is responsible for entry of the judgment, such clerk has no authority to perform the judicial function of rendering a judgment. An " order '' entered on the trial docket does not constitute a rendition of judgment. Any action maintaining to be a judgment, decree, or final order must be rendered, signed and entered to be valid. Further, XXXX XXXX XXXX is the Chief Justice of the Illinois Court of Claims. The Illinois Constitution Art. 6, 13 ( b ) and Federal law prohibits a judge from holding a position ( s ) of profit yet, XXXX XXXX XXXX holds numerous positions of profit which he greatly benefits from. Chief Judge XXXX XXXX XXXX works for the Illinois Secretary of state office. He has access to anyones personal information. Most if not all law firms, banks and other corporations uses his service of process companies and detective agencies listed under various names throughout the U.S. to trick unknowing litigants into believing that they have been served with a valid summons. XXXX XXXX XXXX owns most if not all of the process serving companies in Illinois and throughout the United States. His Process Servers know that they can not serve invalid summonses, such as those that are not signed and do not bear the seal of the court. Nonetheless his Process Servers brings them to individuals and corporations throughout the united states. This is because XXXX XXXX XXXX through his numerous subsidiaries has a monopoly on attorneys, real estate transactions, foreclosure auctions, etc. The Illinois Constitution Article 6, 13 ( b ) as does federal criminal and civil laws prohibits a judge from holding a position ( s ) of profit yet, XXXX XXXX holds numerous positions of profit which he greatly benefits from. XXXX XXXX XXXX XXXX, XXXX ( XXXX ) and its Affiliations ( The Exhibits listed in this section are from [ R. 255 ] and are incorporated herein by reference ) As stated previously Defendant XXXX is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). XXXX XXXX XXXX has numerous subsidiaries/affiliates : I will list a few : Some of these are disclosed such as XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX ( XXXX XXXX, The XXXX XXXX XXXX XXXX. Others are hidden such as : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX of the XXXX. XXXX XXXX is XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX ( This organization is used by some attorneys to befriend the elderly so that they can be tricked into getting a reverse mortgage. President Regan signed reverse mortgages into law. The elderly often loses their homes after getting one. ) XXXX XXXX, ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( loves to use patriotic words in their company names ) XXXX XXXX, XXXX XXXX XXXX XXXX, ( what do these tittles remind you of ) XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX ( According to XXXX, XXXX XXXX XXXX is the largest provider of services and technology focused exclusively on the e-Filing and eService needs of LAW FIRMS and COURTS in the United States ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. See the pin and deed as follows for XXXX XXXX XXXX XXXX, IL : He often keeps properties that he illegally auctions off for himself or keeps them in a trust for his fellow criminal co-conspirators. XXXX XXXX, and the XXXX XXXX and other non-defendants use XXXX as its sole property inspector and the XXXX XXXX for the auctioning off of foreclosure properties. XXXX has 2,300 attorney agents some of which are as follows : XXXX XXXX XXXX, XXXX who was/is employed by XXXX XXXX XXXX. They are agents for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as [ EXHIBIT 5 ]. Mr. XXXX as an attorney had/had a duty not to withhold this information from the court. He is also paid by the Illinois state government and XXXX County through taxpayer dollars. He is Defendants XXXX simulated attorney as he never filed an Appearance of Council. His simulated Motion to Withdraw as her attorney XXXX is also void. See [ R. 214 ]. XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX Agents of : XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX as XXXX EXHIBIT 6 ] XXXX XXXX XXXX, Agents of : XXXX, XXXX as [ EXHIBIT 7 ] XXXX XXXX XXXX, Agents of : XXXX, XXXX, XXXX as [ EXHIBIT 8 ] XXXX, XXXX XXXX XXXX XXXX of : XXXX, XXXX as [ EXHIBIT 9 ] XXXX XXXX XXXX XXXX XXXX XXXX, Agents of : XXXX, XXXX, XXXX as [ EXHIBIT 10 ] XXXX XXXX XXXX XXXX of XXXX XXXX, and an Agent of XXXX as [ EXHIBIT 11 ] XXXX and XXXX XXXX are one in the same ; therefore, when XXXX makes a monetary contribution to political candidates who help pass laws that benefit his entities financially, it is in clear violation of the law. His multi roles along with other judges and officers of the court corrupts and influences the judicial machinery in such a way that the impartial functions of the court have been directly corrupted. On XX/XX/XXXX, XXXX XXXX XXXX made the tax paying residents of the state of Illinois believed that XXXX XXXX XXXX could legally be passed. He did this by mimicking the filing of a Complaint in the Chancery Department in the XXXX County Circuit Court. This document was not legally filed. It was submitted manually and not electronically. As explained below he owns XXXX & XXXX the largest provider of efiling services for the courts. See Attorneys Title Guarantee Fund v. The Illinois department of Professional Regulation, et al. 2018CH0813. It is my belief XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX filled out and signed documents involving the Federal Election Commission and Voting Rights. Compare his signature to some of these cases. They care noting about people of color. They only use them as puppets to benefit their agenda. If you learn some of the basic court rules you will know that XXXX/XXXX could not legally file the above complaint, therefore he made the taxpayers think it was legally filed. XXXX XXXX XXXX and other Politicians should have thrown out SB0065 and all his other bills that put millions if not billions in his pocket. Instead guess what NO ONE said anything. The SB0065 was voted on. The void Bill Passed in favor or XXXX/XXXX XXXX XXXX. Illinois XXXX XXXX XXXX XXXX and Illinois House Representative XXXX XXXX XXXX sponsored senate XXXX XXXX. On information and belief XXXX XXXX XXXX has bribed most Republican and Democratic politicians and judges. They work for the benefit of his monopolies not for the benefit of the citizens that they are suppose to represent. XXXX XXXX XXXX created a monopoly of companies, bribed public officials, schools, churches, etc. which allowed him and his co-conspirators to keep stealing from taxpayers. This includes but is not limited to : charging enormous fees for closing costs, title insurance, sending his process servers to homes and businesses to serve fraudulent summonses, employing attorneys and law enforcement officials who engage in criminal activities, auctioning off properties that he knows can not be auctioned off. Remember no one owns a property outright unlit the mortgage is paid off or if you are lucky enough to pay if off. XXXX XXXX XXXX may be the most prolific, abysmal, greedy etc. alleged human that ever lived. It should be noted, XXXX XXXX a state senator at the time voted for it and for or against other bills that put money in XXXX pocket. Guess what he went to the XXXX XXXX XXXX XXXX the same law school XXXX attended. A copy of the votes for HB 65 are shown below Defendant XXXX, states in XXXX XXXX newsletter ( Id 78 Exhibit ) as follows : E-filing is already in place in most Illinois counties, with the rest joining them soon. The partnership between industry leaders XXXX XXXX and XXXX & XXXX means more efficiency and cost savings for law firms and courts. Illinois filers can now access both the process services of XXXX XXXX ( a subsidiary of XXXX ) and the electronic filing service ( XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, which are connected seamlessly through either company 's website. A reasonable person would ask why would XXXX, file a document manually and not electronically : ( i ) when they had already partnered with XXXX XXXX XXXX ( ii ) they provide services to lawyers and courts nationwide ( iii ) someone would have had to physically take the document ( s ) to the courthouse, ( iv ) when by e-filing per Defendant XXXX, a law firm can increase productivity as well as enjoy significant cost and time savings ( v ) Petitioner further notes the document was supposedly filed in the Chancery Division yet the file stamp used does not indicate that. ( vi ) The summons lacks a seal as [ EXHIBIT 21 ]. Making the case void from its inception. More and more it appears that a reasonable person would infer that Defendant XXXX is one of the top people in charge of the state and Federal Courts in Illinois and other states. The summons was allegedly signed by XXXX XXXX. This would be a red flag for a person that knows the law and can put pieces of a puzzle together. The job of issuing a summons is usually done by a Deputy Clerk. A Deputy Clerk can legally issue summonses in their name. A clerk can not sign XXXX XXXX name on a summons, a subpoena or any other documents that they can legally issue. They have to print and sign their own name. This is why when you see her name on a summons it is printed and not an actual signature. This makes sense for several reasons ( i ) in the XXXX XXXX located at XXXX XXXX XXXX, XXXX, Illinois. XXXX XXXX the head clerk works in her office on a different floor from where court filings take place. With all her alleged duties she could not possibly sign summonses and subpoenas all day. ( ii ) In addition, the XXXX County Circuit Court has six locations/district courts in XXXX County therefore, it would be physically impossible for XXXX XXXX to sign every summons or subpoena that requires the signature of the clerk. Even if this case was legal and could be filed and was legally filed in XXXX County Chancery Division, the illegal legislation makes consumers believe that it effects XXXX County and well as other Counties such as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Counties and other counties. XXXX County does not have jurisdiction over these other counties. See XXXX XXXX. XXXX, XXXX XXXX XXXX of Claims and litigation, XX/XX/XXXX Newsletter article. This means that if you own property in neighborhood in a low economic area in XXXX county and XXXX dollar property in XXXX County, if you are member of the far right or far left you have been a victim of this scam committed by Republicans and Democrats. Per its own words XXXX freely states that it controls 100 % of the title insurance underwriting market in Illinois. Therefore, there can be no doubt that it is a monopoly and a casebook example at that. XXXX, XXXX XXXX is an employee of XXXX meaning they can not file foreclosures that use any of XXXX 's companies. On XXXX XXXX XXXX filed a XXXX XXXX with the XXXX County of Recorder of Deeds under penalty of perjury which he could not legally do because a foreclosure complaint was never filed with the court. All the documents contained an alleged judge 's stamp or no stamp at all. The Clerk 's file stamp is mandated by law to be placed on all documents filed with the court. This illegal action slandered the title to my property.
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Getting the loan
Subissue:
Consumer Complaint: The bank failed to apply the statutory provisions of payroll costs under the CARES act ( viii ) the term payroll costs ( I ) ( ... .. and ( bb ) the sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, net earnings from XXXX or similar compensation and that is in an amount that is not more than {$100000.00} in 1 year, as prorated for the covered period ; and Instead sought ONLY item 4 net earnings from XXXX as payroll costs ignoring the sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, ... or similar compensation entirely. It also demanded payroll costs not required under SBA guidance. If a borrower is using the same lender and same payroll timeframe as it used for its First Draw PPP Loan and already submitted the required payroll documentation to the lender, no additional payroll documentation is required to be submitted [ emphasis added ] with its Second Draw PPP Loan application. And blamed other employees rather than explain or follow the statute.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I opened a PNC Virtual Wallet Checking Pro account via a special link that was attached to a promotional offer. This promotional offer claimed that if I opened the above stated account, I would receive a promotional bonus of {$200.00} upon completing the written requirements. I also was emailed a separate offer of {$15.00} on XX/XX/XXXX, which required me to complete two bill payments from my Virtual Wallet Checking Pro. However, despite meeting all of the written requirements of the advertised offers, I have not yet received either promotional bonus. On XX/XX/XXXX, I inquired with PNC customer support about the missing promotional credits, but was told I would need to wait longer to receive the credits. The requirements of the {$200.00} advertised offer stated : the new Spend account [ Virtual Wallet Checking Pro ] must be opened online via the application link [ see attached for screenshot of application link page ] ... between XX/XX/XXXX to XX/XX/XXXX, and a qualifying Direct Deposit ( s ) must be received within the first 60 days ... [ and the reward ] will be credited to the eligible account within 60-90 days after all conditions have been met. The total amount of all qualifying Direct Deposits credited to your Spend account must be at least {$2000.00} for Virtual Wallet Checking Pro. The requirements of the {$15.00} advertised offer stated : Users must use PNC Bank Online Bill Pay to submit 2 ( two ) bill payments by the end of the next calendar month, based on the date of this email, in order to qualify for the {$15.00} credit. If the qualifying criteria is met, a {$15.00} credit will be applied to the primary deposit account used for PNC Bank Online Bill Pay within ten weeks after completing the required bill payments. As evidenced in my attached documentation, I met the requirements of each offer as stated in the above two paragraphs. For the {$200.00} offer, I opened the account online via the application link and received multiple Direct Deposits to my Virtual Wallet Checking Pro Spend account, each totaling at least {$2000.00}, within the first 60 days after the account opening date. It is now well past 90 days since I met the requirements of this offer, but I havent yet received the {$200.00} credit. Additionally, while I completed the terms of the {$15.00} bill pay credit, by submitting two bill payments before the end of the following calendar month after receiving the offer, I have not yet received the {$15.00} credit despite it being past ten weeks since I completed the offer requirements.
Company Response:
State: OR
Zip: 97214
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, PNC BANK add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On Wednesday XX/XX/2021, I visited a PNC branch and sent an international wire transfer to relatives due to the Covid situation and related financial struggles. Two days later, the recipient bank requested an amendment, as the recipient 's account had to be a personal account rather than a business account. I visited the branch again on Friday XX/XX/XXXX at XXXX and provided the information for the amendment. I asked for any documentation to be able to track the transaction, but the staff at the bank said they had no receipt or otherwise. The branch employee and later the wire transfer department on the phone stated that an amendment takes 2-3 business days. I started calling the wire transfer department since the following Wednesday as the recipient bank reported that the money had been received, but not the amendment. Every time I called I was told that the amendment had been already sent, but they would not provide any explanation as to why it had not been received. On Friday XX/XX/XXXX I scaled up my complaint. On Monday XX/XX/XXXX I called the wire transfer department again to enquire about the situation, and ( after more than 6 business days and numerous phone calls to customer service ) the bank representative reported that the amendment had not been sent by the bank. In view of the delays, I used a different bank that got the money there in 1 business day ( so I have now had to effectively sent this transfer twice and will have to deal with reversing the PNC one ). The delay had serious consequences for my elderly parents at a time when they have been XXXX XXXX XXXX and unable to repay debts that I was going to help them with. A penalty is in order for PNC bank due to the detriment caused by its negligence. I was provided unprecise information throughout the process and the bank certainly did not comply with the 2-3 business days window stipulated ahead.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, PNC BANK add a hard inquiry on my credit report per XXXX But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I sold a home on XXXX XXXX. The mortgage was with PNC Bank they tell me the sent a check for the return of my escrow deposits for taxes and insurance on XXXX XXXX. Only problem is I have not received the refund what I have received is numerous mail from congratulating me for paying off the loan to my final escrow statement which was mailed to me on XXXX XXXX. They are giving me the run around as to why I have not yet received the check returning to me the escrow balance. I have called numerous times and can not get an answer for when to expect to receive my money back. PNC has made numerous promises of which non come to pass. XXXX XXXX
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: To whom it may concern, On XX/XX/XXXX at XXXX I received a phone call on my cellphone. When I looked at my cellphone it said " Mom and Dad '' which is my parents home phone number calling me. I answered " Hello '' and I heard crying, sobbing and sounds of shuffling in the background. A male voice said : '' Yeah, I got your mom and I got a XXXX to her head and if you don't do what I say, I'm going to blow her XXXX brains out. I just got out of jail, I need money to get out of the area. Do what I say and I won't shoot her. '' I asked the man where my dad was. He answered " Don't you worry about him, he won't be saying anything to anyone any more. And you need to tell this XXXX to stop moving around and crying before I start beating her XXXX. " I begged and I pleaded and I begged and cried and pleaded to please not hurt my mother.He told me to place the phone on speaker and told me " I'm looking out the window if I see any police movement or I hear you trying to pull any funny XXXX in the background I'll blow her XXXX head off. You need to send me some money. " I begged and pleaded and cried for him to please not hurt my mother. I asked him how much he needed and he said {$900.00} " You need to send me {$900.00}. '' I asked him how I was supposed to send him any money. He said " Don't worry I'm gon na tell you what to do, you gon na do it or she's dead '' For 55 minutes I was subjected to this terror, trauma, and horror. I literally felt like the XXXX was to MY HEAD THE ENTIRE TIME. My mother 's life was in my hands, she had a XXXX to her head and I felt like I had one to my head. All the screaming, crying, begging and pleading caused my XXXX year old son to wake up. He came to me and I put my finger to my lips for him to be silent and I started writing on a piece of paper info and directions for him ( pictures attached ) as this man on the phone gave me directions of what he wanted me to do. My son heard the crying and sobbing in the background. I saw the terror and tears coming to his eyes. My son called XXXX on his cellphone from the basement. He came upstairs at one point for officers to hear this man and what he was saying. Thru these 55 minutes this man walked me thru XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX to send money. ALL THIS TIME THE CRYING AND SOBBING continued in the background and my heart was breaking for my mother. Thru his direction, he told me what to do.. My credit cards started to flag fraud and no additional money or money could be sent. He ordered me to send the money thru XXXX, the initial amount of {$900.00} to a phone number he provided, he told me to press that this was a friend or family that I knew, that it was the only way the money would be able to go thru and to " remember I got a XXXX to her head '' a XXXX to my mother 's head and what felt like a XXXX to my head. The money was sent by fear, force, unwillingly when you feel you have a XXXX to your head and your mother had a XXXX to her head what is a human being to do. My heart and mind were in shambles knowing I was forced to follow directions and this evil of a man may still XXXX my mother.I begged, I yelled and pleaded " You got what you need, you got the money you asked for now go! Leave my mother! GO! " My son at this point said police were on their way to my parents home. He demanded more money. I told him I'm a single mother and I do not have money like that. He directed me to send another {$100.00} thru XXXX. I told him I couldn't do anymore and please just to go so he had me use XXXXXXXX XXXX and had me load a credit card ( XXXX XXXX ) and walked me thru sending {$100.00} increments to yet another phone number. My card flagged and I told him I couldn't send any more. " YOU GOT WHAT YOU ASKED FOR NOW GO!! " I yelled " I CAN'T DO ANYMORE! " His response : " XXXX it, she's done '' and he hung up the phone. I fell to my knees yelling and my son came to me, holding me and crying. Minutes following I received a call from my mother 's cellphone. Police officers were at her home. This was fraud and a scam. This person posed as someone who had my mother in their custody to get money from me.I have no idea who the person associated with the phone number is and the money sent was a XXXX to my head, unwillingly, forced, and directed thru fear of death. PNC Bank was contacted that very morning around XXXX. I spoke to PNC Bank representatives XXXX, XXXX and XXXX ( which was the day my dispute was filed because I was advised by PNC representatives that funds had to post ). I have spoken to multiple representatives at PNC Bank on multiple days and occasions. I requested a reopening of my case/dispute and provided PHYSICAL EVIDENCE ( police report, paper I used to write to my son to call the cops, etc. ) and this narrative on or around XX/XX/XXXX. At that time I spoke to an assistant manager of the PNC branch on XXXX XXXX in XXXX, Maryland. I had hoped that PNC Bank would reconsider their initial decision in my dispute but have gotten no resolve with them. Both letters I received from PNC stating that the dispute was denied claimed that the transaction was performed as requested thru XXXX. I feel that PNC has not looked into this situation to see that this man was fraudulent and I was FORCED to send the money, this transaction is part of a criminal investigation!! They have the case number and police report. Police have sent supeonas for bank records. How is this dispute being denied?! I need help.
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A