WELLS FARGO & COMPANY


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"Products" offered by WELLS FARGO & COMPANY with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit card or prepaid card - Student prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt or credit management - Debt settlement
Debt or credit management - Mortgage modification or foreclosure avoid
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Manufactured home loan
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - USDA mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Other financial service - Credit repair
Other financial service - Debt settlement
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Refund anticipation check
Other financial service - Traveler’s/Cashier’s checks
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Pawn loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Payday loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Prepaid card - Government benefit card
Prepaid card - Government benefit payment card
Prepaid card - ID prepaid card
Prepaid card - Other special purpose card
Prepaid card - Payroll card
Prepaid card - Transit card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan
Vehicle loan or lease - Title loan

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Complaint ID: 7966925

Date Received: 2023-12-07

Issue: Applying for a mortgage or refinancing an existing mortgage

Subissue: Application denials

Consumer Complaint: I had a Wells Fargo mortgage loan, back in XXXX to XXXX. I ran into a hardship with my payments and requested a modification several times and continued to be denied. My house was placed into foreclosure, and I ended up having to sell my home. During the process of me trying to get a loan modification. After recently reading about the lawsuit regarding the denial of loan modification with Wells Fargo and the sanctions brought about is when I realized that I was a part of this scam and denial process that was being done to homeowner 's loans with Wells Fargo. I did put in a compliant regarding the false claims that my house was sold and not foreclosed on, But they stated that no wrong act had taken place on their part, and my house was listed as being foreclosed on. This effected my credit score as well as my ability to get another home loan. Neither the less, I was forced to sell my home. I could never understand why they continue to deny my loan modification request. We were told we over qualify. Now that I am aware of this lawsuit, of Improperly Denied Mortgage Modification which by the way I never received any communication regarding this matter, from Wells Fargo or Cfpb for the Orders of CFPB mandating Wells Fargo to pay XXXX XXXX Widespread. I wrote a complaint which can be found in my portal to confirm this complaint. Nothing was done to support my claim other than Wells Fargo response. My concern is that this was not looked into further and communication regarding my complaint of unfair practices on Wells Fargo Part to look into my loan modification documents further. Truly I feel we were looked over and nothing was done to help us with this unlawful at from Wells Fargo. Now we see that we should have been a part of this lawsuit regarding the loan modification program and the time frame and location it took place in. I am in hopes that we are listed as one of the accounts that was part of this scandal. I am sure we were. How is this managed and where do I go from here? How do I find out if I should have received some compensation regarding this issue. Thank you for your time and consideration. XXXX XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: AZ

Zip: 85206

Submitted Via: Web

Date Sent: 2023-12-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7966772

Date Received: 2023-12-07

Issue: Problem with a company's investigation into an existing problem

Subissue: Investigation took more than 30 days

Consumer Complaint: In Re : Latest Wells Fargo case # XXXX XXXX XXXX XXXX acct ending # XXXX XXXX Escalation Representative : XXXX XXXX, tel # XXXX ext XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, SD XXXX Tel : XXXX Fax # XXXX Email : XXXX To whom it may concern, On XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX specialist, called to inform me that she had unsuccessfully resolved the WF defrauding issues that damaged my credit score from XXXX down to XXXX due to unpaid WF Visa Credit Card ending # XXXX issued by WF Fraud Dept on XX/XX/XXXX when I refused to have the new card and stop using WF Credit Card afterward. However, WF XXXX XXXX transferred all the other merchant transaction remainder in conjunction with the disputed amount of $ {$2400.00} with the XXXX merchant ( which WF disputed on XX/XX/XXXX and then paid for XXXX 45 day after dispute with XXXX on XX/XX/XXXX ) regardless of I paid off all other merchants of the old acct ending XXXX in XX/XX/XXXX of the new account which I have never used since XX/XX/XXXX. Starting on XX/XX/XXXX, I disputed the amount of {$2400.00} against WF agents from the Dispute Dept., Fraud Dept., Customer Service Dept., and Escalate Executive Dept. because Wells Fargo agents failed to implement my request to stop payment to XXXX merchant from the beginning, but WF agents claimed they closed my dispute and paid for the merchant 45 days after the initial dispute date. WELLS FARGO PAID TO XXXX MERCHANT AND CLOSED MY COMPLAINT AGAINST THE MERCHANT. THEREFORE, I DISPUTE THE AMOUNT {$2400.00} AGAINST WF AGENTS FAILURE TO PROPERLY MANAGE MY MONEY AND INSTRUCTED ME TO SUE XXXX WHERE XXXX IS A SERVICER WITH NO RETAIL MERCHANT AND PER CSLB ( California State License Board ) THEY HAVE NOT THING TO DO WITH MONETARY ISSUE BUT WELLS FARGO AND SERVICE ISSUE HAD ONLY 90 DAYS TO LITIGATE AGAINST XXXX. As per my several written complaints against Wells Fargo Banks and WF bank agents with CFPB, I declared the following solution : 1 ) I owed WF Visa {$0.00} because WF failed to stop payment to XXXX XXXX when I requested the stop payment 2 days after I found out their defrauding me. 2 ) The amount of {$2400.00} disputed between me and the WF agent had to be set aside until the dispute was resolved. However, the WF Visa biller had intentionally transferred the disputed amount of {$2400.00} of the old account ending XXXX to the new WF Visa account ending # XXXX to defraud me since XX/XX/XXXX until present XX/XX/XXXX where the dispute has been on since XX/XX/XXXX against Wells Fargo Agents defrauding me. 3 ) Stop mailing me the monthly billings that had been harassed and threatened me to pay WF wrongdoing ( false delinquent bill where I owned nothing and never used the WF Visa Credit ending # XXXX ). WF also falsely reported to 3 major credit bureaus against me for their fraud. They told me that I had to instruct WF to withdraw their false delinquent report against me for them to reserve my credit score. 4 ) Stop financial elder abuse by prolonging the dispute which has never ended because WF repeated their defrauding tactic to change to the new complaint number each time WF escalator failed to give the solution after taking 1 to 2 months to research the same issues over and over. Since XX/XX/XXXX until present. They triggered XXXX XXXX by either verbally harassing me or promising to write and resolve the appropriately. My characters have been changed, I have a very limited threshold of anger and endurance of harassment for their wrongdoing, although I have been on XXXX 5 ) Wells Fargo has to restore my credit score after damaging it. Verified with 3 major credit bureaus XXXX, XXXX, and XXXX. 6 ) The amount of {$1800.00} was sent to me by Well Fargo Mediation to give time for WF credit repairmen and WF Executive Dept to give a final solution as per my request, and the mediation could not stop me from litigating the issues of WF for the amount of {$100000.00} compensation for their harassment, accessory after the fact, conspiracy misled and misrepresented toward a senior client. I discussed this with XXXX XXXX XXXX who promised to resolve as per my request from the time she asked to give me the above case number and 2 months for her to work on the final solution ; otherwise, she would give me the information of WF legal contact information for me to litigate the issues against WF. 7 ) As a self-represented litigant resident of California for the unlimited civil lawsuit claimed of {$100000.00}, I need the WF contact information as ( 1 ) the name of the WF legal representative ( CA Attorney License # ) ; ( 2 ) WF Executive Office in California ; relevant telephone and fax number, and email address to serve either online or mail serve. But XXXX XXXX XXXX XXXX failed to provide me with the above request information and provided me the same reply letters as other WF agents before. In conclusion, I request CFPB to assist in providing the WF legal contact for me to litigate the unlimited civil complaint against WF agents defrauding, harassment, and financial elder abuse.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 90631

Submitted Via: Web

Date Sent: 2023-12-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7966348

Date Received: 2023-12-07

Issue: Wrong amount charged or received

Subissue:

Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX [ XXXX ] Re : Formal Complaint Against Wells Fargo Bank - Currency Conversion Discrepancy and Lack of Disclosure Account Number Ending in : XXXX Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo Bank regarding an unjust currency conversion rate applied to my account during a transaction on XX/XX/. Despite Wells Fargos claim that the conversion of my XXXXXXXX XXXX to XXXX USD at a rate of XXXX was standard procedure, I found the rate excessively inflated compared to the market rate on that day, which was significantly lower. Moreover, I was not informed of this markup prior to the transaction, a clear violation of transparency standards set by the Consumer Financial Protection Bureau. I have attempted to resolve this issue directly with Wells Fargo twice, with no satisfactory outcome. The banks response, claiming the need to charge higher rates to offset their risks, was unsubstantiated and did not provide any specific evidence or justification for such risks. Therefore, I request a rectification from Wells Fargo, either by reversing the transaction or providing restitution for the excess amount charged due to the inflated exchange rate. I look forward to your prompt response and a resolution to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 92602

Submitted Via: Web

Date Sent: 2023-12-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7965668

Date Received: 2023-12-07

Issue: Trouble during payment process

Subissue: Escrow, taxes, or insurance

Consumer Complaint: Wells Fargo assumed my loan and broke the original contract we had with XXXX. They opened an escrow account when we had an escrow waiver. They paid taxes that were not due or delinquent even though we provided them with documentation that they were not due or delinquent. They raised the mortgage payment from {$2000.00} to {$3000.00} to cover XXXX and XXXX taxes and subsequent taxes thereafter. They created the hardship that destroyed the relationship with my co-borrower leaving me to defend myself against foreclosure for fifteen years. I did everything they told me to do for seven years to get a modification. When I found out the taxes weren't due until XXXX of XXXX, I hired a lawyer and he strung me along for eight more years only to get me into another contract again with the threat of foreclosure. Now, I owe way more than the original principal balance when Wells Fargo broke my contract, and my payment is so high, I have to get a second and third job. I've been XXXX for 34 years, and planned to retire by now. Now, I have to work seven more years.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 325XX

Submitted Via: Web

Date Sent: 2023-12-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7965515

Date Received: 2023-12-07

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Consumer Complaint: This is a follow up reply/claim on CFPB, case number : XXXXWells Fargo case number : XXXX. SR Escalations Rep on behalf of Wells Fargo, narrated the development of the claim thru Wells Fargo stating that the fraudulent activity was not caused by any error from WFMS and making us responsible for the disputed bank card interchange fees in the amount of {$4400.00}. We insist that the above is not right by the bank, given the following : 1. A number of transactions in the order of XXXX ( XXXX XXXX ) count were attempted on our online website payment XXXX ( XXXX ) in a time span of 12 hours by what we think was a robot software. None of them were approved. XXXX. No party, but the bank and its card processing partners ( not even the hacker ), were benefited from the rounded XXXX transaction attempts on this fraud episode on our websited payment XXXX. XXXX. There was no business transaction completed such as a sale, merchandise exchange or sale refund by which a bank card was processed. XXXX. Our payments XXXX was blocked by WFMS after the above attack. We could not even process physical payments at our local store with our POS machine. XXXX. Wells Fargo Merchant Services nor its card processing partners, never oriented us, as a small business with a card processing service, on best practices for our online payments XXXX, nor has memoed nor updated us on fraudulent activity trends, nor has implemented or made us aware of any fraud prevention campaing for small businesses online in order to try to avoid this type of attacks as much as possible. So in conclusion we have an attack of the aforementioned characteristics that was not blocked nor prevented by WFMS and its bank card processing partners and/or its fraud prevention department, but yet our payments XXXX and payment processing service was blocked remotely by Wells Fargo and reactived when we called in to report the attack. Why wasn't the same criterion used to block our payments processing service at last, used when the transaction number reached anything unusual for our historic typical use of the payments processing gateway/service? Our daily transaction count tops in 50 transactions in any given 24 hour period. Just like a credit/debit card gets blocked when it is used for non-typical uses, so no further transactions can be attempted. WFMS failed to provide this security measure, ergo Wells Fargo Merchant Services is responsible for the excess amount of transactions attempted on the payment XXXX. We are a local-family-owned small business that gets charged monthly fees from the bank to have this type of fraud protection and periodic orientation on new fraud trends or schemes. We are long standing customers and we have been failed by our bank.We feel defrauded. Please refund our account in the amount of the remaining balance for the charged interchange fees equal to {$4400.00}.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 92705

Submitted Via: Web

Date Sent: 2023-12-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7965343

Date Received: 2023-12-08

Issue: Managing an account

Subissue: Problem with renewal

Consumer Complaint: I am a senior with a Wells Fargo checking account known as XXXX XXXX. It is no longer offered to new customers but for older customers it offers lifetime free ( no fee ) interest-bearing checking, a free safe deposit box, free money orders, cashier 's checks, and travelers checks. The only condition for maintaining the account is to keep at least {$10000.00} in a Wells Fargo CD. Today I was pitched by a Wells Fargo agent named XXXX ( no last name given ) to change to a different type of CD account with a higher interest rate. I pressed him to explain why I wasn't getting that rate on my existing CD and didn't get a satisfactory answer. Upon further research I discovered that XXXX did not disclose that switching to the higher rate CD account would result in me losing many of the free benefits of my XXXX XXXX account unless I maintained a minimum monthly balance of {$20000.00}. In short, Wells Fargo continues to engage in deceptive banking practices.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-12-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7964781

Date Received: 2023-12-08

Issue: Applying for a mortgage or refinancing an existing mortgage

Subissue: Delays in the application process

Consumer Complaint: Settlement for Wells Fargo to account holders for unethical business practices brought to light by CFPB. I've just received a check for Remediation for a Credit account that was opened without my consent and discovered that all the treatment I've endured from Wells Fargo for checking accounts, mortgage, and auto loan were illegal and would also be entitled to separate Remediation checks. I'm assuming that I'll have to file separate claims for each of the accounts. Below documents show a fraction of the letters Wells Fargo sent every few weeks to reassigning a new Home Preservation Specialists that had me chasing my own tail for years trying to refinance an existing VA mortgage of XXXX opened in XXXX. I initially attempted to refinance in XXXX but was tortured with run around until XXXX when I received a notice of foreclosure.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NC

Zip: 27530

Submitted Via: Web

Date Sent: 2023-12-08

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7964056

Date Received: 2023-12-08

Issue: Problem with a purchase shown on your statement

Subissue: Card was charged for something you did not purchase with the card

Consumer Complaint: I have a credit card with XXXX XXXX that I got early this year. I have a very well documented history of fraud happening on my account and everytime it happens they refund the money back. However, in the last fraud in XX/XX/2023 claim I submitted they did not refund a part of transactions ( over XXXX transactions were reported by me as fraud, they refunded most of it but denied some with the denial amount over {$1800.00} ). I barely ever use this card as i don't have family, I work fully from home, and I use other other cards knowing fully the fraud issues with this card. I have done correspondence with the concerned vendors whose transactions were denied to me by the credit card company and submitted those documents along with police complaint report but they seem to deny and reopen the fraud case every single time. I am happy to provide all the documents.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: TX

Zip: 77840

Submitted Via: Web

Date Sent: 2023-12-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7962646

Date Received: 2023-12-07

Issue: Unexpected or other fees

Subissue:

Consumer Complaint: XXXX XXXX ] [ XXXX trl ] [ XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Phone : XXXX ] Dear Bank Managers I am writing regarding a recent international wire transfer from a bank in XXXX that was converted to XXXX dollars before being deposited into my account ( XXXX ) at XXXX XXXX lack of transparency and communication regarding the exchange rate applied has led to an unexpected loss of approximately {$2200.00}, which I find quite alarming and unsatisfactory. The original amount, [ XXXX XXXX XXXX ] XXXX, was sent on [ XXXX ]. However, the conversion to [ {$98000.00} ] dollars upon receipt was not at a rate that I had been made aware of beforehand, nor does it reflect the rates Ive observed in the market. I had expected that the amount would be transferred in XXXXXXXX XXXX allowing me the option to review the exchange rate and decide when to convert the currency. The transaction was processed without providing me with any rate information or options, resulting in a significant and unanticipated financial loss. Given these concerns, I am requesting the following : XXXX. A detailed explanation of the exchange rate used for my transaction. XXXX. A clear breakdown of all associated fees and charges. XXXX. An explanation as to why I was not informed of the exchange rate prior to the conversion. XXXX. The banks policy regarding customer consent and notification of conversion rates for international wire transfers. I believe that as a customer, I should have full visibility into the exchange rates that affect my transactions, especially when they result in such substantial financial discrepancies. I would like to discuss this matter with you in person to better understand the banks processes and to find a satisfactory resolution. Please find attached all relevant transaction details for your review. I trust that [ Bank Name ] values its customers and will address this issue with the seriousness it deserves. Thank you for your prompt attention to this matter. I look forward to your response and to meeting with you to discuss this further. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 92602

Submitted Via: Web

Date Sent: 2023-12-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7962640

Date Received: 2023-12-07

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to XXXX. XXXX, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be set off on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning WELLS FARGO BANK , N.A . and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 92604

Submitted Via: Web

Date Sent: 2023-12-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.