Wells Fargo Deceptive Trade Practices Salvo 13

This is the 13th 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-Elect, but the Wells Fargo corporate management suite as well, the following email was sent to the Executive Director, Lake Buchanan Inks Lake Chamber of Commerce.  Regarding Abbot's egregious failure to not only investigate deceptive trade practices perpetrated by Wells Fargo, but to answer the snail mailed complaint itself.  The message was also sent to both offending Wells Fargo officers.  Copies of which follow below.


Egregious Deceptive Trade Practices-Wells Fargo
Executive Director, Lake Buchanan Inks Lake Chamber of Commerce

12-1-14

Dear Executive Director:

Local businesses need to be aware the Attorney General, now Governor-Elect, 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.

Tim Chorney, Publisher
Liberty In Peril
Formerly,
The Llano Ledger
www.libertyinperil.twomini.com
www.libertyinperil.wink.ws
www.libertyinperil.t15.org
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

12-1-14

Ms. Wright:

The following email was sent to the Executive Director, Lake Buchanan Inks Lake Chamber of Commerce.
It will also be posted in the next Liberty In Peril Newsletter December 8, 2014.  All four websites.

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

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

Egregious Deceptive Trade Practices-Wells Fargo
Executive Director, Lake Buchanan Inks Lake Chamber of Commerce.

12-1-14

Dear Executive Director:

Local businesses need to be aware the Attorney General, now Governor-Elect, 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.

Tim Chorney, Publisher
Liberty In Peril
Formerly,
The Llano Ledger
www.libertyinperil.twomini.com
www.libertyinperil.wink.ws
www.libertyinperil.t15.org
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

12-1-14

Ms. Massey:

The following email was sent to  the Executive Director, Lake Buchanan Inks Lake Chamber of Commerce.
It will also be posted in the next Liberty In Peril Newsletter December 8, 2014.  All four websites.

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

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

Egregious Deceptive Trade Practices-Wells Fargo
Executive Director, Lake Buchanan Inks Lake Chamber of Commerce

12-1-14

Dear Executive Director:

Local businesses need to be aware the Attorney General, now Governor-Elect, 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.

Tim Chorney, Publisher
Liberty In Peril
Formerly,
The Llano Ledger
www.libertyinperil.twomini.com
www.libertyinperil.wink.ws
www.libertyinperil.t15.org
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