Scroll All The Way Down For:  Wells Fargo Deceptive Trade Practices Salvo 122
 


                                                                                         Liberty In Peril

                                                                                              formerly,

                                                                                       The Llano Ledger

                                                                                 ©2016 All Rights Reserved
 

9-30-16

There are Wells Fargo customers who are trying to sue the criminal bastards in a class action suit.  Experts claim this may be impossible due to arbitration clauses forced on customers.  What needs to be challenged is the fact that at least in Kingsland, Texas as repeatedly stated in this publication, Wells Fargo engaged in egregious deceptive trade practices involving having a customer sign a contract on a computer that is not the same as the written copy.

Including purportedly agreeing to binding arbitration rather than going to court, purportedly agreeing to background checks.  Both were not in the agreement signed on the computer, but deceptively printed in the written agreement.  The goddamned federal Consumer Financial 'Protection' Bureau failed to take action.  So did our goddamned Governor when he was Texas Attorney General via the Consumer 'Protection' Agency.

Also, get this.  Wells Fargo employees were punished who refused to break the law.  NPR reports:

"Former Wells Fargo employees who say they were fired for following the law have filed a class-action lawsuit seeking $2.6 billion in damages as the fallout continues over the creation of millions of secret, unauthorized bank accounts.  Two employees are named in the lawsuit, filed on behalf of all the bank's employees in the past 10 years who were penalized for not making sales quotas."

Much more on all this.


9-23-16

Wells Fargo got its ass figuratively kicked in the Senate.  Hard.  More on this as the story develops.  Fox reports:

"Wells Fargo CEO John Stumpf apologized on Capitol Hill Tuesday for his bank’s high-profile scandal that allegedly involved workers opening unauthorized accounts -- but faced tough questions from senators, one of whom called for his resignation and said he should be criminally investigated.

“I do accept responsibility and I am sorry,” Stumpf told the Senate Banking Committee."

You do?  Then why didn't you do the right thing and resign in disgrace?

"Strumpf was in the hot seat over revelations that Wells Fargo secretly opened more than 2 million accounts without customers’ permission, as part of an apparent effort to exceed sales goals. Earlier this month, Wells Fargo agreed to pay a $185 million penalty as part of a civil settlement.

“Wrongful sales practice behavior in our retail banking business ... runs counter to our vision of helping our customers succeed financially and it is not representative of Wells Fargo as an institution,” Stumpf said."

It isn't?  Over 5,000 low-level employees got fired.  Won't be confused with the truth, you clueless, criminal son of a bitch?

"Stumpf said the bank recognizes now that “we should have done more sooner” to stop unethical actions. The bank took steps to address such behavior over the years, “but we now know those steps were not enough,” he said.

“We did not get it right,” he said."

You think?

"But the apology wasn't enough for lawmakers like Sen. Elizabeth Warren, D-Mass.

“Have you returned one nickel to customers?” she repeatedly asked Stumpf.

"Warren also called for him to resign and said he should be criminally investigated."

Not only this son of a bitch, however, the entire Wells Fargo corporate management suite.  This is precisely what happens when there is either no regulation at all or exceptionally poor regulation of the business community.  They f--k over the public with impunity.  Yet, GOP national socialists want no meaningful regulation at all.  Want to see the federal Consumer Financial Protection Bureau out of existence.  Amazing, isn't it? No regulation at all.  Laissez-faire capitalism.  Let the bastards do as they please.  Do so with impunity.  No legal accountability.  As they f--k the living shit out of the public.

Insult to injury, the criminal son of a bitch is a congenital liar.  Get this.  CBS News reports:

“We never directed nor wanted our team members to provide products and services to our customers that they didn’t want,” Stumpf said Tuesday in prepared testimony to the Senate Banking, Housing and Urban Affairs Committee. “That said, I accept full responsibility for all unethical sales practices.”

This man lied.  They forced accounts on customers who did not want them.  Precisely, why the bank tried to cover its ass by firing over 5,000 low-level employees.  Thousands of corporate employees don't commit criminal acts on their own.  Without authorization.  What planet does this lying criminal son of a bitch live on?


9-16-16

Further proof the corporate management suite is not held criminally accountable for its crimes?  NPR reports:

"Wells Fargo Bank has been ordered to pay $185 million in fines and penalties to settle what the Consumer Financial Protection Bureau calls "the widespread illegal practice of secretly opening unauthorized deposit and credit card accounts."

This story has been reported here and elsewhere.  The fine just levied amounts to a piss hole in the snow.  Why hasn't anyone been criminally prosecuted?

"Thousands of Wells Fargo employees opened the accounts in secret so they would get bonuses for hitting their sales targets, according to investigators. More than 2 million deposit and credit card accounts may have been created without customer authorization."

Again, this is old news.  Why hasn't anyone been prosecuted?  None of the employees involved.  Not one in the corporate management suite.  Why isn't the CEO's sorry ass in jail?

"The bank must pay $100 million to the CFPB — the largest fine ever levied by the federal consumer watchdog. It also will pay $50 million to the City and County of Los Angeles, along with a $35 million penalty to the Office of the Comptroller of the Currency."

Think this justice? Ferociously pointedly:  For you goddamned fools here in Llano County who have been reading this publication for years vis a vis Wells Fargo egregious criminal deceptive trade practices and yet still do business with these criminals?  Your heads are so far up your hopelessly ignorant asses your eyeballs are turning inside out.  Aching, hopeless aggressive stupidity.

Hold up a convenience store?  You'll likely spend the rest of your life in prison.  Steal millions from bank account holders?  Get slapped on the wrist.  Nazi justice in Nazi America.  The Fourth Reich.

Insult to injury?  The fine is pocket change for Wells Fargo.  Get this.  The Washington Post reports:

"But the fines being levied against Wells Fargo pale in comparison to the bank's yearly profit -- more than $20 billion in 2015.

"It is also less than the more than $200 million that the stock  in the company held by company's chief executive, John G. Stumpf is worth. The fines also are not that much more than the $125 million one of its top executives, Carrie Tolstedt, will walk away with when she retires this year. An 27-year veteran of the bank, Tolstedt ran the community banking division where regulators said aggressive sales goals fueled illegal behavior by bank employees.

"Tolstedt’s team is a leader in building and deepening customer loyalty and team member engagement across the business, which today serves more than 20 million retail checking households and 3 million small business owners, and employs 94,000 team members," the company said in a statement last July announcing her retirement."

Clearly, no justice in Nazi America.  The Fourth Reich.  Fox News reports:

"Carrie Tolstedt, 56, announced her retirement in July, effective at the end of the year, and is set to receive $124.6 million via stock, options and restricted shares accrued during her 27 years at Wells Fargo, Fortune reported Monday. Tolstedt headed the infamous community banking unit where employees created unauthorized deposit accounts and credit accounts in an effort to meet sales goals. The dummy accounts charged individual customers up to $50 in fines for a service they never requested, The New York Daily News reported."

Do the same?  Think there wouldn't be any criminal consequences?

"There are two possibilities: Customer abuse was part of business model, in which lots of high-ranking people need to go to prison," Bart Naylor, a financial policy advocate for Public Citizen, told The Washington Post. "Or the bank is too big to manage, and folks high up don’t even know that laws are being broken a few levels down."

You think?

"It’s unclear when Tolstedt became aware of the scam and she was not named in any Consumer Financial Protection Bureau paperwork. The fallout from the scandal resulted in the firing of 5,300 employees and a massive $185 million fine levied by various regulators."

Unbelievable, isn't it?  That is, the fact the Bureau failed to not only mention her, but hold her criminally responsible.  Think Wells Fargo money didn't find its way into the pockets of the Bureau?

“Those issues should have been caught sooner and dealt with more forcefully,” Mike Mayo, an analyst at CLSA Ltd., wrote Monday in a client note obtained by Bloomberg."

Again, think no one at the Bureau didn't have his or her pockets lined?

"But Tolstedt not only escaped getting axed, she was praised for her tenure at the company. In a July statement about her retirement, CEO John Stumpf hailed Tolstedt as “a standard-bearer of our culture” and “a champion for our customers,” The New York Post reported. Her decision to retire was “personal,” a Wells Fargo spokesperson said."

Again, this is nazi justice in a goddamned fascist police-state.  No accountability.  None whatsoever.  -- Whether it's Amanda S. Wright, Wells Fargo Store Manager, Kingsland, Texas, right up to and including Wells Fargo CEO John Stumpf.


8-24-15

Interesting developments in the Wells Fargo fiasco.  This publication has relentlessly attempted to expose the Wells Fargo corporate management suite, former Kingsland Store Manager Lynn Massey, and current Kingsland Store Manager Amanda S. Wright for the criminals they truly are.  Have intentionally, deliberately, knowingly engaged in egregious deceptive trade practices.

Amusingly, Ms. Wright sent the following letter by certified mail.  Received Monday, 8-17-15.  Would you believe she was conveniently absent from the bank all week?  To avoid confrontation, Amanda?  More to come, but first her letter:

Kingsland Wells Fargo
939 RR 1431
Kingsland, TX 78639
PH: 325-388-3596

August 10, 2015

Tim Chorney
PO BOX 151
Buchanan Dam, TX 78609

Dear Mr. Chorney,

Wells Fargo Bank, N.A. has determined that it is no longer in the best interests of
the Bank to maintain its banking relationship with you or your business.  Your
account number's [redacted & redacted] will be closed effective 30
business days from the date of this letter.  Please use this 30 day period to
establish alternate banking arrangements with another financial institution.

A cashier's check will be issued for all remaining collected funds in the above
account on September 22, 2015 and will be mailed to your last address of
record.  Any uncollected funds will be forwarded upon collection.

If you have any questions, please contact me at the above number.

Sincerely,
 

Amanda Wright
Store Manager
Kingsland, TX

Her second in command, Service Manager Michael Ehrhardt, NMLSR ID 408607 was confronted the very same day the letter was received.  He was informed the effort to expose the Wells Fargo corporate management suite, as well as both Massey and Wright for engaging in criminal activity would continue unabated. Both in this publication and through emails to local business owners.

Furthermore, a complaint would be filed with the U.S. Attorney, fresh complaints would also be filed with other federal and state authorities.  Clearly, nothing will be done by any of these agencies.  They're all likely bought and paid for by Wells Fargo.  Corporate owned.  Also, the U.S. Attorney will be asked to investigate whether or not Wells Fargo has unduly influenced Liberty In Peril webhosts host-ed.me and twomini.com.

Both hosts for months have failed to answer all inquiries.  Could they have been bought off?  Don't know.  Certainly, suspect they may have been.  No one figuratively targeted by this publication has greater resources to do so.  No matter what, the effort to expose Wells Fargo and its criminal activity continues unabated.  Will continue until Wells Fargo admits culpability and makes this right.  No matter how many Liberty In Peril websites they successfully shut down.


Egregious Deceptive Trade Practices-Wells Fargo

8-24-15

Ms. Wright:

The following email was sent to Travis Millegan, D&T Services, Irrigation Installation & Repair, Landscaping And More.
It will also be posted in the next Liberty In Peril Newsletter August 31, 2015.  Both working websites.
Kindly be advised the status of your employment with Wells Fargo, that is your promotion
to branch manager despite egregious criminal deceptive trade practices, will be sent in
update to each and every member of the business community contacted earlier.
Continuing with Linda Moreau, Owner-Broker, RE/MAX Highland Lakes.

Since you are forcing closure of both accounts due to the fact I publicly accuse you
and your predecessor of criminal activity, why haven't your equally criminal corporate
masters not refunded the $20 check printing charge?  Regardless, criminal complaints
will be filed with the U.S. Attorney.  Renewed criminal complaints will also be filed with
other federal and state agencies.

The effort to inform local businesses of this criminal activity will continue unabated.
Until Wells Fargo admits culpability and makes this right.  No matter how many Liberty In
Peril websites Wells Fargo successfully shuts down.

Tim Chorney, Publisher
Liberty In Peril
Formerly,
The Llano Ledger
www.libertyinperil.t15.org
www.libertyinperil.wink.ws
P.O. Box 151
Buchanan Dam, Texas 78609


6-23-15

For several months, Wells Fargo is now printing on its cash receipts the denomination of currency it gives customers.  Why?  A teller informed this writer it's for the convenience of those doing business with the bank.  That people supposedly like to be reminded of what the bank gave them.  Is that right?  Does the bank truly believe people are that stupid?  That inept, that incompetent not to know what they got in cash?

Not accusing the teller of lying, however.  Clearly, believe she only regurgitated what her corporate masters told her.  She assured me the bank is not collecting that data.  Forwarding it to its government lackeys.  Believe that?  Credible coming from a bank too big to fail, that considers itself the government?  That's already engaged in egregious deceptive trade practices in the Kingsland and Burnet branches?  Allegations it has never denied to date.  In fact, 'justifies.'

That is, Wells Fargo officers open accounts deceptively.  The electronic document signed is not the same as the written copy.  Criminal activity the bank refuses to address.  In fact, promoted criminal officer Amanda Wright to branch manager.  After allowing her mentor, Lynn Massey, to retire.  Indeed, a reward for this young woman's knowingly criminal behavior at behest of her equally criminal corporate masters.

Indeed, a bank too big to fail.  Can only wonder what the reaction of the U.S. Attorney will be.  Think they'll stonewall as the former Texas Attorney General and federal Consumer Financial 'Protection' Bureau?  To say nothing of our useless District Attorney "Sonny Boy" McAfee.


5-18-15

Reverse Darwinism is alive and well at Wells Fargo.  Not only survival of the unfittest, however.  No, no, no.  Not at all.  Knowingly engage in criminal deceptive trade practices?  Tow the company line?  Look the other way?  Willingly play the game?  Then stonewall to the best of your ability, -- and guess what?  The Wells Fargo corporate management suite promptly rewards such criminal behavior with a promotion to branch manager.  How 'bout 'dat?'

One of her tellers recently confirmed the young woman who had in fact engaged in deceptive trade practices while opening two accounts as repeatedly reported in this publication has indeed been promoted.  Rewarded for criminal behavior.  More importantly?  Loyalty to her corporate masters.  After all, the corrupt, abusive, inept bastards in the Wells Fargo corporate management suite had to replace the old battle wagon who had managed the Kingsland Branch, had been employed by the corporation for what, -- some 25 years?

Apparently, Ms. Massey had had enough of the determined continued tireless effort of this publication to expose her and her young protégé Amanda Wright to the light of day.  For knowing, determined egregious execution of criminal deceptive trade practices.  Clearly, both had done the will of their corporate masters.  Otherwise, both would have been immediately fired.  Guilt quickly admitted by the corporate management suite.

An effort to make it right.  Not to be.  Clearly, the deceptive trade practices problem remains an issue nationwide.  Readers are reminded of the criminal activities of Wells Fargo in California and the subsequent suit filed by government authorities there.  Nothing has changed here.   Consequently, the effort to expose Wells Fargo to the community for what it is continues indefinitely.  Will be stepped up.

The nearly 40 emails already sent around the business community will be updated one by one.  As to the fact, the old battle wagon was allowed to retire, and the young achingly inexperienced officer responsible for egregious deceptive trade practices promoted.  This information will be added as well to the weekly email sent to the business community.  Again, those already contacted will receive an update.

The public must be aware of how this corrupt, abusive, Aryan arrogant, hopelessly inept corporation does business.  As it pleases.  With impunity.  Clearly, too big to fail or be challenged by its bought and paid for lackeys in government.  Regulation?  What's that?  The arrogant nazis in the Wells Fargo corporate management suite "don't need no stinkin' regulation."  Are free to do as they please.  Protected at the very least by the Texas Attorney General as well as the federal Consumer Financial 'Protection' Bureau.  Let's see if the U.S. Attorney obliges, that is, completes the trifecta.

Should the corporate management suite sue, all discovery received would be immediately posted in this publication no matter the personal cost, legal or otherwise.  These criminal bastards will continue to be exposed for whom and what they are.  Have nothing to lose.  They do.  They believe they are the government.  The former branch manager certainly claimed such.  Let's see.

Quite possibly, in effect, they are.  Think about it.  They've bought and paid for the government lackeys supposed to 'regulate' them, forget?  Sadly, it's not just a matter of dumping this goddamned bank.  They're all the same.  Do as they please.  With impunity.  Protected by the goddamned government stooges securely in their pocket.  Indeed, bought and paid for.  This has to change.  Otherwise?  Hear the rumble?  The public has had enough.

The State of Texas has refused to investigate this case.  The former Attorney General, now Governor, ignored repeated calls for a criminal investigation.  May have been bought and paid for by the bank.  That remains to be seen.  The federal Consumer Financial 'Protection' Bureau also refused to conduct a criminal investigation.  Clearly, Republican fascists were successful in gutting this supposedly 'watch dog' federal agency.

A criminal complaint will be filed against the former manager, the current manager, as well as the Wells Fargo corporate management suite with the U.S. Attorney for perpetrating and executing egregious deceptive trade practices.  Should nothing change, the effort of this publication to expose Wells Fargo for whom and what it is will continue indefinitely.  No matter the personal cost.  No threat.  A promise.


5-11-15

Wells Fargo has been sued in California for what amounts to egregious deceptive trade practices.  Employees have been allegedly involved in criminal acts such as opening phony accounts in the name of customers, forcing accounts they did not want, could not afford to pay fees on thus ruining credit ratings of innocent people.  Much more to come as this story develops.

Closer to home, Wells Fargo has blocked Inbox.com mail, including that from this writer.  Interesting, isn't it?  Twice received Daemon Mailers from mail sent to Wells Fargo officer Amanda Wright in the Kingsland branch in regard to deceptive trade practices perpetrated by her and former branch manager Lynne Massey.  Seems the old battle wagon retired rather than put up with continuing efforts by this writer to hold both, as well as their employer, accountable.

Will continue to do so.  Each week yet another email informing local businesses will be sent out by this publication until Wells Fargo admits guilt, makes it right.  Since neither the Texas Attorney General or the federal Consumer Financial 'Protection' Bureau are willing to take action, a complaint will eventually be sent to the U.S. Attorney.


2-9-15

As usual, the weekly Wells Fargo Deceptive Trade Practices Salvo email went out on schedule.  This time to a Washington Post reporter.  Can be found by clicking on the Salvo 23 icon well below.  A copy was forwarded to Amanda Wright.  The one to Lynn Massey was returned mailer-daemon:  "<masseylm@wellsfargo.com>: 550 5.1.1 <masseylm@wellsfargo.com>... User unknown."

Usually, this means one of two things. Either the person left the company or changed email addresses the corporation does not want disclosed.  No assumptions can be made either way here since Wells Fargo cannot be trusted.  Has foolishly, stupidly forfeited all credibility.  Has criminally engaged in deceptive trade practices.

Matters not whether one or both principals leave the Bank, anyway.  The Wells Fargo corporate management suite has consistently refused to take responsibility for the Bank's criminal activity.  Has not changed its policies.  Continues to stonewall.  Has offered no restitution for egregious invasion of my privacy as well as that of others.

Nor has it provided restitution for countless hours expended by this writer exposing the Bank's criminal activity to the light of day.  Unless and until this changes, the effort to expose Wells Fargo to the community continues.  Indefinitely.  Since the State of Texas ignored, refused to investigate the charges and the federal Consumer Financial Protection Bureau did the same, a new complaint will be prepared and filed with the U.S. Attorney.

Eventually, all Bank and government correspondence will be posted in this publication for public review.  No matter what, no matter how this is finally resolved or not, anything and everything that's already been posted will remain up for continuing public review.  The public deserves no less.  This will not be swept under the carpet under any circumstances.

The longer this fiasco continues, the costlier it becomes for Wells Fargo in terms of lost credibility and public confidence.  The Bank simply cannot grasp the fact nothing motivates this writer more than stonewalling.  ... Other than egregious injustice no matter its source.

After all these years, by now, this should be abundantly clear to the readership:  This writer is not for sale.  Incapable of being bought and paid for.  Impossible to bribe.  'Untouchable.'

It is difficult to believe, inexplicable, the egregious deceptive trade practices criminal activity perpetrated is confined to the Kingsland branch alone.  It is likely a Bank-wide problem.  Likely why Wright and Massey were not immediately fired by the corporate management suite.  Why top management did not immediately offer restitution to quickly resolve the issue.  Wisely, limit damage, loss of credibility, public image, trust, etc..  Instead, they haughtily 'justified' it.

Without question, deceptive trade practices were a problem some 15, 16 years ago in the Burnet Wells Fargo branch as well.  It was there the officer who opened the original checking account, closed several years ago due to corporate greed, filled in the blanks with false data I had refused to give her at the time the account was opened.  ... Apparently, after I had left the bank.  Possibly, while I was still there.  Not clear.  Not certain what their electronic capabilities were at the time all those years ago.

Management is not stupid.  Simply Aryan arrogantly does as it pleases.  Up to this point, with impunity.  That must change.  Now.  If the U.S. Attorney chooses to investigate despite the fact the Bank's supposedly too big to fail, -- and finds the corporate management suite knew what was going on, heads will roll.

Although highly unlikely in Nazi America, top level management may even enjoy a short stay at a federal 'country club.'  Up to this point, these arrogant sons of bitches have done as they pleased.  Accountable to no one.  As Massey haughtily falsely declared, "The Bank is the government."  Protected.  Coddled.  Clearly, likely lining pockets of those entrusted to regulate it.  Otherwise, she would not have made the statement.

Yet, bought and paid for GOP nazis want absolutely no regulation at all of their corpulent corporate benefactors.  Clearly, they want these corrupt abusive corporate bastards, who already literally own and manipulate the supposedly "'free' market," to be completely free to do as they please with absolute impunity.  Readers, they have been bought.  Sold you out to line their bottomless pockets.  The Democrats are no better.  They've done the same.

Most telling of all?  Not once has the Bank in the last two-plus years since this fiasco came to a head strongly denied point by point, vigorously challenged the veracity of extremely detailed charges made by this writer in the original snail mail complaint to the former Texas Attorney General and the federal Consumer Financial Protection Bureau.

The fact neither the State of Texas or the federal Consumer Financial Protection Bureau investigated such detailed malfeasance begs the question:  Who got paid off, by whom, for what?  While no one may be ultimately prosecuted, held accountable, this publication will continue to do all it can to expose Wells Fargo for whom and what it is.


The following email has been sent nearly daily to a woman at 2freehosting.com who was responsible for caving into Wells Fargo.  This email is re-edited occasionally as circumstances change.  Should you bank with Wells Fargo you may wish to ask them why they engage in deceptive trade practices and if in fact they indeed bribed Texas Gov. Greg Abbott while he was Texas Attorney General to ignore a complaint filed against them:

From  libertyinperil@riseup.netAdd contact
To  fran@2freehosting.comAdd contact
Date  Today 17:07
Priority  Highest
Contact photo
Message Body

Hey Fran?  Why am I receiving renewal notices to sites I have no password access to?  Again, how much were you bribed by Wells Fargo?  Tim Chorney
 

Subject:       FTP Down
From:       libertyinperil@ruggedinbox.com
Date:       Fri, October 2, 2015 7:42 pm
To:       fran@2freehosting.co
Priority:       High
Create Filter:       Automatically | From | To | Subject
Options:       View Full Header | View Printable Version  | Download this as
a file

Who bribed you, Fran, to look the other way?

---------------------------- Original Message ----------------------------
Subject: [Fwd: FTP Down]
From:    libertyinperil@ruggedinbox.com
Date:    Mon, September 28, 2015 8:13 pm
To:      fran@2freehosting.com
--------------------------------------------------------------------------
 

Who bribed or forced 2freehosting to deny this publication FTP access, Fran?
---------------------------- Original Message ----------------------------
Subject: [Fwd: FTP Down]
From:    libertyinperil@ruggedinbox.com
Date:    Fri, September 25, 2015 10:12 pm
To:      fran@2freehosting.com
--------------------------------------------------------------------------

What's going on, Fran?  Why no FTP access?

---------------------------- Original Message ----------------------------
Subject: [Fwd: FTP Down]
From:    libertyinperil@ruggedinbox.com
Date:    Fri, September 25, 2015 9:38 pm
To:      fran@2freehosting.com
--------------------------------------------------------------------------

---------------------------- Original Message ----------------------------
Subject: [Fwd: FTP Down]
From:    libertyinperil@ruggedinbox.com
Date:    Fri, September 25, 2015 8:11 pm
To:      fran@2freehosting.com
--------------------------------------------------------------------------
 

Why no timely response, Fran?

---------------------------- Original Message ----------------------------
Subject: FTP Down
From:    libertyinperil@ruggedinbox.com
Date:    Thu, September 24, 2015 9:21 pm
To:      fran@2freehosting.com
--------------------------------------------------------------------------

Fran,

All three Liberty In Peril FTP servers are down and apparently have been
hacked.  The three websites, however, remain up and running at time of
writing.  That is, libertyinperil.twomini.com, libertyinperil.wink.ws, and
libertyinperil.t15.org are accessible and running.  Only FTP access has
been effected making it impossible to upload.

The Filezilla messaging on twomini is:

Status:        Connecting to 31.170.167.137:21...
Status:        Connection attempt failed with "ECONNREFUSED - Connection
refused by server".
Error:        Could not connect to server
Status:        Waiting to retry...
Status:        Connecting to 31.170.167.137:21...
Status:        Connection attempt failed with "ECONNREFUSED - Connection
refused by server".
Error:        Could not connect to server

**************************************************************

The exact same messaging, other than IP addresses, is the same on the wink
and t15 FTP servers.  This hacking attack apparently occurred the day
after Wells Fargo closed two accounts because I publicly accused them of
criminal activity.  Your company needs to look into this matter. Get these
FTP servers up and running again.  A criminal complaint will be filed with
the U.S. Attorney regarding all the ongoing criminal activity by Wells
Fargo, now extended to hacking and undue interference with the webhosts.
Has 2freehosting been bribed and/or pressured by Wells Fargo?  Certainly,
one of numerous questions to be forwarded to criminal prosecutors.

Tim Chorney
*******************************************************************

All three Liberty In Peril FTP servers are down and apparently have been
hacked.  The three websites, however, remain up and running at time of
writing.  That is, libertyinperil.twomini.com, libertyinperil.wink.ws, and
libertyinperil.t15.org are accessible and running.  Only FTP access has
been effected making it impossible to upload. This hacking attack
apparently occurred the day after Wells Fargo closed two accounts because
I publicly accused them of criminal activity.  Your company needs to look
into this matter. Get these FTP servers up and running again.  A criminal
complaint will be filed with the U.S. Attorney regarding all the ongoing
criminal activity by Wells Fargo, now extended to hacking and undue
interference with the webhosts.  Has 2freehosting been bribed and/or
pressured by Wells Fargo?  Certainly, one of numerous questions to be
forwarded to criminal prosecutors.

Tim Chorney, Publisher
Liberty In Peril
libertyinperil.com
******************************************************************

Subject:       New Liberty In Peril URL
From:       libertyinperil@ruggedinbox.com
Date:       Mon, November 9, 2015 8:23 pm
To:               fran@2freehosting.com
Priority:       High
Create Filter:       Automatically | From | To | Subject
Options:       View Full Header | View Printable Version  | Download this as
a file

Welcome.   Liberty In Peril has been relaunched at a new URL:
libertyinperil.com.  This is a new commercial site hosted in an overseas
country, which unlike our own, does value free speech, Net security,
privacy, equally importantly, despises hackers.  Banks too big to fail
should not have the ability to shut down ftp servers on four Liberty In
Peril websites, making upload impossible.  -- Simply, because they don't
want the truth of their criminal activity reported to the public.

Should this site not be kept up, running, and fully operational, the
libertyinperil.com domain will be quickly moved to a different host
despite cost and hassle.  No more bullsh-t.  Criminal complaints will be
prepared and filed against Amanda Wright, Lynn Massey, and the equally
criminal bastards in the Wells Fargo corporate management suite for
egregious deceptive trade practices.

Email notification of local businesses of these practices, has and will,
continue unabated until Wells Fargo accepts responsibility, ceases these
practices, and finally makes it right.  During the last several weeks
after the ftp servers were hacked, a blizzard of these emails was sent to
local businesses to keep intense pressure on the criminal bastards at
Wells Fargo.  Copies of these emails were sent to bank officials.  They
have been posted in this publication. ... We're already up to Salvo 74, --
and counting.

In addition, all new Newsletter Editions will feature an
available abbreviated version, smart phone friendly, that can be accessed
by clicking on the icon.  Will supplement the regular format of this
publication.  This is being done because so many of you access this
publication with smart phones and other devices with small screens.

This site has finally been fully uploaded.  All links appear to be
properly working.  Typos in the rush to get material up have also been
corrected.  There will be a few additional changes to be made as time
allows.  Including, again, a smart phone-friendly abbreviated version of
each future Newsletter Edition starting with v434 that will be available
in addition to the regular edition.

Hopefully, now, I can finally get back to the business of this
publication, that is exposure of corrupt, abusive, inept, clueless
government lackeys beholden to their corporate masters, rather than
dealing with recalcitrant webhosts.  We'll see.  With the
libertyinperil.com domain, however, any necessary changes in webhosts will
be easy to make since all links won't have to be changed or deactivated.

The pressure on Wells Fargo will continue unabated.  Should they further
interfere with operation of this publication, it will simply provide
additional fodder for criminal complaints to be filed against them.

On 9-22-15, Kingsland Wells Fargo Store Manager Amanda Wright forced
closure of two accounts because for nearly three years this writer has
publicly accused her, her predecessor Lynn Massey, and the Wells Fargo
corporate management suite of engaging in criminal deceptive trade
practices, as well as pressuring, unduly interfering and/or bribing
webhosts to take these websites down.

Apparently, they have successfully managed to unduly influence and/or
bribe the federal Consumer Financial 'Protection' Bureau and Texas
Attorney General Consumer Protection Division as well.  Forget?  The bank
is considered too big to fail.  Considers itself government.

For all practical purposes, that's perversely true.  They have money and
resources to buy not only their human chattel, but their bought and paid
for government lackeys.  Be interesting to see whether or not the U.S.
Attorney is untouchable, or sadly, similarly capable of being bought.

Immediately after closure of these accounts, the three operational Liberty
In Peril FTP servers were hacked.  What that means is that while all three
sites remained operational and accessible to readers, new material could
not be uploaded.  This continues to date.

Worse, 'free' accounts on all three 'free' webhosts conveniently no longer
provide technical control panel support.  Clearly, they don't want to know
there are problems.  Have managed, however, to find other ways to contact
webhost management and have done precisely that.

Will take a criminal investigation to determine who hacked the sites,
however.  Most likely, Wells Fargo had a hand in it.  Certainly, have the
resources.  Highly, unlikely the Llano County Sheriff's Office was
involved.  Hard to believe they would be that stupid.  The Bank, however,
has nothing to lose.  Owns its government lackeys.  The Sheriff and his
outrageously corrupt and abusive goons, however, can expect further
exposure in this publication.  Should you have information regarding this
or any other issue, contact me.  I will protect your identity.

Tim Chorney, Publisher
Liberty In Peril
Formerly,
The Llano Ledger
www.libertyinperil.com
www.libertyinperil.t15.org
www.libertyinperil.wink.ws
www.libertyinperil.twomini.com
www.libertyinperil.host-ed.me
P.O. Box 151
Buchanan Dam, Texas 78609



 

            Wells Fargo Deceptive Trade Practices Salvo 122

This is the 122nd installment of an ongoing expose of egregious Wells Fargo deceptive trade practices.  In an effort to maintain pressure not only on our worthless self-serving Texas Attorney General now Governor, but the Wells Fargo corporate management suite as well, the following email was sent to Kim Hansard, Faith Academy, Marble Falls.   Regarding Abbot's egregious failure to not only investigate deceptive trade practices perpetrated by Wells Fargo, but to answer the snail mailed complaint itself.  A copy of it was also sent to offending Wells Fargo officer Amanda Wright:


Egregious Deceptive Trade Practices-Wells Fargo
Kim Hansard, Faith Academy, Marble Falls

10-7-16

Dear Ms. Hansard:

The entire business community needs to be fully aware the Texas Attorney General, now Texas Governor, has ignored the following snail mailed complaint filed against Wells Fargo over a year ago.  Intending to apply additional pressure, the complaint was then emailed to his office 9-15-14.  Apparently, the bank's too big to fail, -- or possibly his pockets are being lined. Whatever the reason, the long-suffering public has a right to know. Will continue to do the best I can to inform them in my publication.  Feel free to share this message and/or links. The public, indeed, must be informed.

In follow-up to the above, the former branch manager, Lynn Massey has cowardly chosen to retire.  Her protégé, the offending officer who willingly engaged in deceptive trade practices at behest of her corporate masters has indeed been rewarded for that criminal activity and her company loyalty.  Amanda Wright has been promoted to branch manager by her corporate handlers.  Indeed, reverse Darwinism.  Survival of the unfittest.

For several months, Wells Fargo is now printing on its cash receipts the denomination of currency it gives customers. Why?  A teller informed this writer it's for the convenience of those doing business with the bank.  That people supposedly like to be reminded of what the bank gave them.  Is that right?  Does the bank truly believe people are that stupid?  That inept, that incompetent not to know what they got in cash?

Not accusing the teller of lying, however.  Clearly, believe she only regurgitated what her corporate masters told her.  She assured me the bank is not collecting that data.  Forwarding it to its government lackeys.  Believe that?  Credible coming from a bank too big to fail, that considers itself the government?  That's already engaged in egregious deceptive trade practices in the Kingsland and Burnet branches?  Allegations it has never denied to date.  In fact, 'justifies.'

That is, Wells Fargo officers open accounts deceptively.  The electronic document signed is not the same as the written copy.  Criminal activity the bank refuses to address.  In fact, promoted criminal officer Amanda Wright to branch manager.  After allowing her mentor, Lynn Massey, to retire.  Indeed, a reward for this young woman's knowingly criminal behavior at behest of her equally criminal corporate masters.

Indeed, a bank too big to fail.  Can only wonder what the reaction of the U.S. Attorney will be.  Think they'll stonewall as the former Texas Attorney General and federal Consumer Financial 'Protection' Bureau?  To say nothing of our useless District Attorney "Sonny Boy" McAfee.

The bank forced closure of two accounts 9-22-15 for no reason other than it was not in their best interests to keep them open.  Immediately after closure, ftp servers on three Liberty In Peril sites were hacked.  While the sites remain up and running, I cannot upload them with new material.  The webhosts remain unresponsive, have apparently been bribed.  A new commercial site overseas has been launched:  libertyinperil.com.

Tim Chorney, Publisher
Liberty In Peril
Formerly,
The Llano Ledger
www.libertyinperil.com
www.libertyinperil.t15.org
www.libertyinperil.wink.ws
www.libertyinperil.twomini.com
www.libertyinperil.host-ed.me
P.O. Box 151
Buchanan Dam, Texas 78609

****************************************************************************

9-15-14

Mr. Attorney General:

Can you explain why your office has failed to respond to the following snail-mailed
complaint against Wells Fargo?  Are they indeed too big to fail?  Or, are they possibly
lining your pockets?  Is the Davis campaign aware you don't investigate bona fide
complaints filed by citizens you allegedly serve?

Tim Chorney

******************************************************************************

Greg Abbott, Texas Attorney General
Consumer Protection Division
PO Box 12548
Austin, TX 78711-2548

September 20, 2013

Re:  Egregious Deceptive Trade Practices-Wells Fargo

Dear Mr. Abbott:

On January 18, 2013, this writer attempted to open a checking account with Wells Fargo,
MAC T7025-010, Kingsland, Texas.  While this account as well as a savings account
additionally required by bank policy were opened, it was clearly done under false
pretenses by Amanda Wright, Personal Banker, NMLSR ID: 936717.  Under supervision of Lynn
Massey, Store Manager, NMLSR ID: 555274.

Before providing complete details, this complaint was delayed due to severe out of state
family problems initially requiring re-opening of a checking account with Wells Fargo,
personal health issues, and relaunch of an investigative publication that was immediately
hacked upon relaunch months ago.

On January 18, this writer approached Ms Wright with a substantial United States Treasury
Check and the need to re-open a checking account.  – Closed several years earlier when the
bank greedily changed policy and attempted to charge an enormous monthly service charge on
a free checking account that had been open since 1999.  … Charge customers for using their
money.

Ms. Wright insisted, to obtain free checking, substantial deposits would have to remain in
not only a checking account, but a savings account as well.  In addition, this writer
would be required to participate in online banking.  – Bank policy, she falsely claimed.
The following is a detailed listing of the deceptive trade practices perpetrated by Wells
Fargo:

1)The Consumer Account Application she showed me on a computer monitor, and had this
writer electronically sign, was not the same as the written hard-copy subsequently
provided.  Realized that on the way home and immediately returned to the bank.  The
electronic display did not include the following bank policy:  “You are authorized to make
any inquiries that you consider appropriate to determine if you should open or maintain
the account. This may include ordering a credit report or other report (i.e. information
from any motor vehicle department or other state agency) on me.”

In bold font, it continues: “I have received a copy of the applicable account agreement,
the privacy policy, and the Direct Deposit Advance Service Agreement and Product Guide*
(as each may be amended from time to time) and agree to be bound by their terms. I also
agree to the terms of the dispute resolution program described in the foregoing
agreements. Under the dispute resolution program, our disputes will be decided before one
or more neutral persons in an arbitration proceeding and not by a jury trial or a trial
before a judge.”

Had I been informed of these policies, would never had electronically signed the
agreement.  Never would have agreed to a credit check to open a checking or savings
account.  What for?  Had no intention of borrowing money, just depositing a rather sizable
amount.  Never bounced a check. Never gave Wells Fargo any problems, – until now with this
complaint.  Never would have willingly forfeited the constitutional right to go to court
to resolve a dispute and foolishly agree to binding arbitration.  … Which is nearly always
controlled, manipulated by these exceptionally poorly-regulated corporations that usually
do precisely as they please.  When confronted, Ms. Wright falsely feigned ignorance.  Had
a 'deer in the headlights' facial expression.  Had no explanation.

Demanded to talk to the Store Manager.  Ms. Massey informed me the bank was the
government, they could do as they please.  Quickly informed her the bank was not the
government, only FDIC insured.  Remains an accurate measure of the Aryan arrogance of
Wells Fargo corporate management, however.  Quickly informed her I would sue should my
privacy be abrogated by a credit or records check.

She offered to cancel both accounts.  Refused.  Had already disclosed personal information
this writer could not recover from this outrageously corrupt and abusive corporation.
Information it would share with anyone it pleased with impunity,  Information it could and
would not protect.  Leading to the next example of egregious deceptive trade practices:

2)When Ms. Wright opened the new accounts, she was immediately able to access all personal
information on the old checking account that had been opened in 1999 and closed several
years ago as earlier stated.  I pointedly asked her what my personal information was still
doing on a Wells Fargo computer network accessible all over the country, as well as the
rest of the world.  Anyone could have obtained that information or hacked the system.  She
had no response.  Neither did the Store Manager.

The account had long since been closed.  That information belongs to me, not the bank.  I
never signed any agreement with Wells Fargo forfeiting my right to my own personal
information.  Yet, there it was.  Worse, it included false information that I had never
given the bank.  Refused to give Wells Fargo when the account was originally opened in
1999.  For damned good reason.  Was none of their business, or the government's.

Clearly, the deceptive officer who opened the account years ago made up false information.
Outrageously, filled in the blanks after I left the bank.  Ms. Wright desperately tried to
elicit correct information that I quickly refused to give her.  As a law-abiding citizen,
it's none of the bank's business, none of the government's business.  “Know Your Customer”
policy is an outrageous invasion of personal privacy of innocent citizens, falsely in the
name of “national 'security.'”  Rather it is implementation of a fascist police-state this
writer will never accept, never cooperate with.  The hell with the treasonous, traitorous
USA 'Patriot' Act.

Having received a written bogus policy follow-up from Wells Fargo Legal from Ms. Massey,
she again offered to close the accounts.  I refused and informed her complaints would be
filed against the bank with state and federal authorities.

She subsequently changed the requirements for maintaining a 'free' checking and savings
account.  Interesting, isn't it?  Lowered the minimums required.  Did away with the online
banking requirement.  – The online agreement forced on account holders is worse than the
written one.  More repressive.  More invasive.  She wanted me to re-electronically sign
the agreement.  Refused, since it would have abrogated my right to sue if my privacy is,
or was, invaded or Wells Fargo engages in any further deceptive trade practices.

Without question, Ms. Wright is a brilliant, young, gifted woman.  Who likely knowingly
capitulated to pressure brought to bear by her corporate masters to engage in
self-serving, lucrative deceptive trade practices. As low woman on the totem pole, she
possibly believed she had no choice.  Conversely, as a seasoned banking veteran, Ms.
Massey has no excuse.  Until rampant deceptive trade practices are effectively addressed
by authorities, there will be no faith or trust in the hopelessly greedy, abusive,
corrupt, arrogant banking community.  Precisely why an increasing number eschew business
with them, – unless forced by personal circumstances.

Should an ordinary Joe or Jane engage in such deceptive practices as the banking industry,
they are rightfully quickly indicted for fraud or worse.  Not so, the banking community.
Rather, it's protected and coddled by authorities. Too big to fail.  This has to change.

For your information, every other bank canvassed in this area is as bad or worse than
Wells Fargo regarding policy.  None are effectively regulated.  None.  Not one of them.
All do as they please.  With virtual impunity.  Convenient isn't it?  Are all in bed with
their 'regulators?'  Certainly, seems so.  Whose money, personal information do they truly
think it belongs to?  Them?  Arrogance, hubris?  Unlimited, endless.  National socialist.

Coup de grace?  A most poignant example of abject corporate cluelessness?  By a corporate
management suite that clearly doesn't 'get it?'  The following outrageously galling phony
propaganda printed on the monthly statement:  “Thank you for being a loyal Wells Fargo
customer.  We value your trust in our company and look forward to continuing to serve you
with your financial needs.”  Is that right?

Who the hell are they kidding?  They're delusional.  They betray their customers,
callously invade privacy, falsely believe they own account holder personal information,
share private information with whomever they choose as long as their pockets are lined,
pay pennies in interest for thousands deposited, release financial information to
government goons without a warrant.

How?  Courtesy of National Security Letters that are outrageously unconstitutional despite
rulings to the contrary by the fascists legislating their perverse ideological views from
the bench in support of their corporate masters.  Insult to injury?  These very same
bankers and others are forced by the very same dictators in government not to disclose to
account holders that they've been betrayed not only by our outrageously corrupt and
abusive government, but the corporate management suite that cowardly complies.  Yet, this
very same corporate management suite gallingly and falsely believes they're 'serving'
account holders.  How?  By betraying the best interests of their customers?  They serve
only themselves,  'Regulators' aid and abet.  A fascist police-state.

While customer service truly stinks, remains non-existent at Wells Fargo, it's as bad or
worse elsewhere.  Precisely, why the banking cartel does as it pleases.  Why?  Because it
can.  If an account weren't needed for legal reasons currently, this bank would be
promptly dumped.

Why is it a United States Treasury Check cannot be cashed at any FDIC-insured bank with
identification without a substantial charge, -- or at all?  That is, some of these
federally-insured banks will not cash these checks.  Why?  One wanted to loot this writer
approximately $300 for the 'privilege' of cashing a check from the government insuring it.
Hubris.  Unbridled greed.  Aryan arrogance.

Upon resolution of these issues by state and federal authorities, kindly be advised
Liberty In Peril will post an expose' on the banking industry and the government's
egregious failure to date to properly regulate it.  Worse?  Failure to correct the abuses,
corruption, deception, and outright fraud repeatedly committed by these banks.  This
letter and all correspondence from you and your agency will be ultimately posted in my
publication.  Redacted as necessary.

Sincerely,
 

Tim Chorney, Publisher
Liberty In Peril
Formerly,
The Llano Ledger
www.libertyinperil.host-ed.me
www.libertyinperil.t15.org
www.libertyinperil.twomini.com
www.libertyinperil.wink.ws
P.O. Box 151
Buchanan Dam, Texas 78609

c: Liberty In Peril

***************************************************************

Egregious Deceptive Trade Practices-Wells Fargo

10-7-16

Ms. Wright:

The following email was sent to Kim Hansard, Faith Academy, Marble Falls.  It will also be posted
in this publication shortly, v482.   Kindly be advised the status of your employment with Wells Fargo, that is
your promotion to branch manager despite egregious criminal deceptive trade practices, has been sent in
update to each and every member of the business community contacted earlier.

Since you have forced closure of both accounts 9-22-15 due to the fact I publicly accuse you
and your predecessor of criminal activity, why haven't your equally criminal corporate
masters not refunded the $20 check printing charge?  Also, why were three Liberty In Peril
ftp servers immediately hacked at that time?  Why do the webhosts remain unresponsive?
Have they been bribed by the Wells Fargo corporate management suite?  Regardless, criminal
complaints will be filed with the U.S. Attorney.  Renewed criminal complaints will also be filed with
other federal and state agencies.

The effort to inform local businesses of this criminal activity will continue unabated.
Until Wells Fargo admits culpability and makes this right.  No matter how many Liberty In
Peril websites Wells Fargo successfully shuts down.

Be advised a commercial site has been set up overseas in a country that protects free speech,
its servers, and does not take kindly to bribery or hacking.  Has been fully uploaded.  Should you eventually
leave the bank, however, this will not end the effort of this publication to inform the public of egregious deceptive
trade practices perpetrated by Wells Fargo.

Clearly, this is a corporate-wide issue.  Otherwise, you and your predecessor would have been immediately
fired and the company would have done all it could to redress the problem.  Until that happens, Wells Fargo will
continue to be exposed for whom and what it is to the public it supposedly serves.

Tim Chorney, Publisher
Liberty In Peril
Formerly,
The Llano Ledger
www.libertyinperil.com
www.libertyinperil.t15.org
www.libertyinperil.twomini.com
www.libertyinperil.wink.ws
www.libertyinperil.host-ed.me
P.O. Box 151
Buchanan Dam, Texas 78609

**********************************************

Egregious Deceptive Trade Practices-Wells Fargo
Kim Hansard, Faith Academy, Marble Falls

10-7-16

Dear Ms. Hansard:

The entire business community needs to be fully aware the Texas Attorney General, now Texas Governor, has ignored the following snail mailed complaint filed against Wells Fargo over a year ago.  Intending to apply additional pressure, the complaint was then emailed to his office 9-15-14.  Apparently, the bank's too big to fail, -- or possibly his pockets are being lined. Whatever the reason, the long-suffering public has a right to know. Will continue to do the best I can to inform them in my publication.  Feel free to share this message and/or links. The public, indeed, must be informed.

In follow-up to the above, the former branch manager, Lynn Massey has cowardly chosen to retire.  Her protégé, the offending officer who willingly engaged in deceptive trade practices at behest of her corporate masters has indeed been rewarded for that criminal activity and her company loyalty.  Amanda Wright has been promoted to branch manager by her corporate handlers.  Indeed, reverse Darwinism.  Survival of the unfittest.

For several months, Wells Fargo is now printing on its cash receipts the denomination of currency it gives customers. Why?  A teller informed this writer it's for the convenience of those doing business with the bank.  That people supposedly like to be reminded of what the bank gave them.  Is that right?  Does the bank truly believe people are that stupid?  That inept, that incompetent not to know what they got in cash?

Not accusing the teller of lying, however.  Clearly, believe she only regurgitated what her corporate masters told her.  She assured me the bank is not collecting that data.  Forwarding it to its government lackeys.  Believe that?  Credible coming from a bank too big to fail, that considers itself the government?  That's already engaged in egregious deceptive trade practices in the Kingsland and Burnet branches?  Allegations it has never denied to date.  In fact, 'justifies.'

That is, Wells Fargo officers open accounts deceptively.  The electronic document signed is not the same as the written copy.  Criminal activity the bank refuses to address.  In fact, promoted criminal officer Amanda Wright to branch manager.  After allowing her mentor, Lynn Massey, to retire.  Indeed, a reward for this young woman's knowingly criminal behavior at behest of her equally criminal corporate masters.

Indeed, a bank too big to fail.  Can only wonder what the reaction of the U.S. Attorney will be.  Think they'll stonewall as the former Texas Attorney General and federal Consumer Financial 'Protection' Bureau?  To say nothing of our useless District Attorney "Sonny Boy" McAfee.

The bank forced closure of two accounts 9-22-15 for no reason other than it was not in their best interests to keep them open.  Immediately after closure, ftp servers on three Liberty In Peril sites were hacked.  While the sites remain up and running, I cannot upload them with new material.  The webhosts remain unresponsive, have apparently been bribed.  A new commercial site overseas has been launched:  libertyinperil.com.

Tim Chorney, Publisher
Liberty In Peril
Formerly,
The Llano Ledger
www.libertyinperil.com
www.libertyinperil.t15.org
www.libertyinperil.wink.ws
www.libertyinperil.twomini.com
www.libertyinperil.host-ed.me
P.O. Box 151
Buchanan Dam, Texas 78609

****************************************************************************

9-15-14

Mr. Attorney General:

Can you explain why your office has failed to respond to the following snail-mailed
complaint against Wells Fargo?  Are they indeed too big to fail?  Or, are they possibly
lining your pockets?  Is the Davis campaign aware you don't investigate bona fide
complaints filed by citizens you allegedly serve?

Tim Chorney

******************************************************************************

Greg Abbott, Texas Attorney General
Consumer Protection Division
PO Box 12548
Austin, TX 78711-2548

September 20, 2013

Re:  Egregious Deceptive Trade Practices-Wells Fargo

Dear Mr. Abbott:

On January 18, 2013, this writer attempted to open a checking account with Wells Fargo,
MAC T7025-010, Kingsland, Texas.  While this account as well as a savings account
additionally required by bank policy were opened, it was clearly done under false
pretenses by Amanda Wright, Personal Banker, NMLSR ID: 936717.  Under supervision of Lynn
Massey, Store Manager, NMLSR ID: 555274.

Before providing complete details, this complaint was delayed due to severe out of state
family problems initially requiring re-opening of a checking account with Wells Fargo,
personal health issues, and relaunch of an investigative publication that was immediately
hacked upon relaunch months ago.

On January 18, this writer approached Ms Wright with a substantial United States Treasury
Check and the need to re-open a checking account.  – Closed several years earlier when the
bank greedily changed policy and attempted to charge an enormous monthly service charge on
a free checking account that had been open since 1999.  … Charge customers for using their
money.

Ms. Wright insisted, to obtain free checking, substantial deposits would have to remain in
not only a checking account, but a savings account as well.  In addition, this writer
would be required to participate in online banking.  – Bank policy, she falsely claimed.
The following is a detailed listing of the deceptive trade practices perpetrated by Wells
Fargo:

1)The Consumer Account Application she showed me on a computer monitor, and had this
writer electronically sign, was not the same as the written hard-copy subsequently
provided.  Realized that on the way home and immediately returned to the bank.  The
electronic display did not include the following bank policy:  “You are authorized to make
any inquiries that you consider appropriate to determine if you should open or maintain
the account. This may include ordering a credit report or other report (i.e. information
from any motor vehicle department or other state agency) on me.”

In bold font, it continues: “I have received a copy of the applicable account agreement,
the privacy policy, and the Direct Deposit Advance Service Agreement and Product Guide*
(as each may be amended from time to time) and agree to be bound by their terms. I also
agree to the terms of the dispute resolution program described in the foregoing
agreements. Under the dispute resolution program, our disputes will be decided before one
or more neutral persons in an arbitration proceeding and not by a jury trial or a trial
before a judge.”

Had I been informed of these policies, would never had electronically signed the
agreement.  Never would have agreed to a credit check to open a checking or savings
account.  What for?  Had no intention of borrowing money, just depositing a rather sizable
amount.  Never bounced a check. Never gave Wells Fargo any problems, – until now with this
complaint.  Never would have willingly forfeited the constitutional right to go to court
to resolve a dispute and foolishly agree to binding arbitration.  … Which is nearly always
controlled, manipulated by these exceptionally poorly-regulated corporations that usually
do precisely as they please.  When confronted, Ms. Wright falsely feigned ignorance.  Had
a 'deer in the headlights' facial expression.  Had no explanation.

Demanded to talk to the Store Manager.  Ms. Massey informed me the bank was the
government, they could do as they please.  Quickly informed her the bank was not the
government, only FDIC insured.  Remains an accurate measure of the Aryan arrogance of
Wells Fargo corporate management, however.  Quickly informed her I would sue should my
privacy be abrogated by a credit or records check.

She offered to cancel both accounts.  Refused.  Had already disclosed personal information
this writer could not recover from this outrageously corrupt and abusive corporation.
Information it would share with anyone it pleased with impunity,  Information it could and
would not protect.  Leading to the next example of egregious deceptive trade practices:

2)When Ms. Wright opened the new accounts, she was immediately able to access all personal
information on the old checking account that had been opened in 1999 and closed several
years ago as earlier stated.  I pointedly asked her what my personal information was still
doing on a Wells Fargo computer network accessible all over the country, as well as the
rest of the world.  Anyone could have obtained that information or hacked the system.  She
had no response.  Neither did the Store Manager.

The account had long since been closed.  That information belongs to me, not the bank.  I
never signed any agreement with Wells Fargo forfeiting my right to my own personal
information.  Yet, there it was.  Worse, it included false information that I had never
given the bank.  Refused to give Wells Fargo when the account was originally opened in
1999.  For damned good reason.  Was none of their business, or the government's.

Clearly, the deceptive officer who opened the account years ago made up false information.
Outrageously, filled in the blanks after I left the bank.  Ms. Wright desperately tried to
elicit correct information that I quickly refused to give her.  As a law-abiding citizen,
it's none of the bank's business, none of the government's business.  “Know Your Customer”
policy is an outrageous invasion of personal privacy of innocent citizens, falsely in the
name of “national 'security.'”  Rather it is implementation of a fascist police-state this
writer will never accept, never cooperate with.  The hell with the treasonous, traitorous
USA 'Patriot' Act.

Having received a written bogus policy follow-up from Wells Fargo Legal from Ms. Massey,
she again offered to close the accounts.  I refused and informed her complaints would be
filed against the bank with state and federal authorities.

She subsequently changed the requirements for maintaining a 'free' checking and savings
account.  Interesting, isn't it?  Lowered the minimums required.  Did away with the online
banking requirement.  – The online agreement forced on account holders is worse than the
written one.  More repressive.  More invasive.  She wanted me to re-electronically sign
the agreement.  Refused, since it would have abrogated my right to sue if my privacy is,
or was, invaded or Wells Fargo engages in any further deceptive trade practices.

Without question, Ms. Wright is a brilliant, young, gifted woman.  Who likely knowingly
capitulated to pressure brought to bear by her corporate masters to engage in
self-serving, lucrative deceptive trade practices.  As low woman on the totem pole, she
possibly believed she had no choice.  Conversely, as a seasoned banking veteran, Ms.
Massey has no excuse.  Until rampant deceptive trade practices are effectively addressed
by authorities, there will be no faith or trust in the hopelessly greedy, abusive,
corrupt, arrogant banking community.  Precisely why an increasing number eschew business
with them, – unless forced by personal circumstances.

Should an ordinary Joe or Jane engage in such deceptive practices as the banking industry,
they are rightfully quickly indicted for fraud or worse.  Not so, the banking community.
Rather, it's protected and coddled by authorities. Too big to fail.  This has to change.

For your information, every other bank canvassed in this area is as bad or worse than
Wells Fargo regarding policy.  None are effectively regulated.  None.  Not one of them.
All do as they please.  With virtual impunity.  Convenient isn't it?  Are all in bed with
their 'regulators?'  Certainly, seems so.  Whose money, personal information do they truly
think it belongs to?  Them?  Arrogance, hubris?  Unlimited, endless.  National socialist.

Coup de grace?  A most poignant example of abject corporate cluelessness?  By a corporate
management suite that clearly doesn't 'get it?'  The following outrageously galling phony
propaganda printed on the monthly statement:  “Thank you for being a loyal Wells Fargo
customer.  We value your trust in our company and look forward to continuing to serve you
with your financial needs.”  Is that right?

Who the hell are they kidding?  They're delusional.  They betray their customers,
callously invade privacy, falsely believe they own account holder personal information,
share private information with whomever they choose as long as their pockets are lined,
pay pennies in interest for thousands deposited, release financial information to
government goons without a warrant.

How?  Courtesy of National Security Letters that are outrageously unconstitutional despite
rulings to the contrary by the fascists legislating their perverse ideological views from
the bench in support of their corporate masters.  Insult to injury?  These very same
bankers and others are forced by the very same dictators in government not to disclose to
account holders that they've been betrayed not only by our outrageously corrupt and
abusive government, but the corporate management suite that cowardly complies.  Yet, this
very same corporate management suite gallingly and falsely believes they're 'serving'
account holders.  How?  By betraying the best interests of their customers?  They serve
only themselves,  'Regulators' aid and abet.  A fascist police-state.

While customer service truly stinks, remains non-existent at Wells Fargo, it's as bad or
worse elsewhere.  Precisely, why the banking cartel does as it pleases.  Why?  Because it
can.  If an account weren't needed for legal reasons currently, this bank would be
promptly dumped.

Why is it a United States Treasury Check cannot be cashed at any FDIC-insured bank with
identification without a substantial charge, -- or at all?  That is, some of these
federally-insured banks will not cash these checks.  Why?  One wanted to loot this writer
approximately $300 for the 'privilege' of cashing a check from the government insuring it.
Hubris.  Unbridled greed.  Aryan arrogance.

Upon resolution of these issues by state and federal authorities, kindly be advised
Liberty In Peril will post an expose' on the banking industry and the government's
egregious failure to date to properly regulate it.  Worse?  Failure to correct the abuses,
corruption, deception, and outright fraud repeatedly committed by these banks.  This
letter and all correspondence from you and your agency will be ultimately posted in my
publication.  Redacted as necessary.

Sincerely,
 

Tim Chorney, Publisher
Liberty In Peril
Formerly,
The Llano Ledger
www.libertyinperil.host-ed.me
www.libertyinperil.t15.org
www.libertyinperil.twomini.com
www.libertyinperil.wink.ws
P.O. Box 151
Buchanan Dam, Texas 78609

c: Liberty In Peril