This is the eighth installment of an ongoing expose of egregious Wells Fargo deceptive trade practices. In an effort to continue pressure not only on our worthless self-serving Texas Attorney General now running for Governor but the Wells Fargo corporate management suite as well, the following email was sent to Bill Rives, Executive Director, Marble Falls/Lake LBJ 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
Bill Rives, Executive Director, Marble Falls/Lake
LBJ Chamber of Commerce
10-27-14
Mr Rives:
Local businesses need to be aware the Attorney
General has ignored the following snail mailed
complaint filed against Wells Fargo about 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
10-27-14
Ms. Wright:
The following email was sent to Bill Rives,
Executive Director, Marble Falls/Lake LBJ Chamber of Commerce.
It will also be posted in the next Liberty
In Peril Newsletter November 3, 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
Bill Rives, Executive Director, Marble Falls/Lake
LBJ Chamber of Commerce
10-27-14
Mr Rives:
Local businesses need to be aware the Attorney
General has ignored the following snail mailed
complaint filed against Wells Fargo about 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
10-27-14
Ms. Massey:
The following email was sent to Bill Rives,
Executive Director, Marble Falls/Lake LBJ Chamber of Commerce.
It will also be posted in the next Liberty
In Peril Newsletter November 3, 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
Bill Rives, Executive Director, Marble Falls/Lake
LBJ Chamber of Commerce
10-27-14
Mr Rives:
Local businesses need to be aware the Attorney
General has ignored the following snail mailed
complaint filed against Wells Fargo about 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