Consumer complaint received 2022-11-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX XXXX spouse of the account holder XXXX XXXX XXXX had sent a payment by conditional acceptance payment for WELLS FARGO account XXXX for the amount of XXXX. The state of Arizona is a joint state. The payment was in the form of accepting the remittance lower part of the statement by accepting the credit or presentment turn it what is called bill of exchange as negotiable instruments to discharge the balance of the credit card ending in XXXX. Under HJR 192-73-10 Congress gave remedy to discharge out debt by creating negotiables instrument since there is no lawful money to pay with. HJR 192 gave the people provision to pay every obligation by ARTICLE 3 U.C.C that all negotiable instrument as currency. Congress made the people act as pirate bankers to write out negotiable bills to discharge debt obligation black law dictionary 5 th edition page 133, defines banking. The Federal U.S. courts states that you are no longer to pay with legal tender notes or federal reserve notes. the Money is limited to legal tender is NOW rejected meaning the FRN is not a form of discharging the debt or payment of a debt. COURT CASE Guaranty Trust Company vs. Henwood, 307 U.S. 247 ( 1939 ), a Federal US court of appeals ruled on Title 31 USC 5118. As of XXXX XXXX XXXX, Federal Reserve Notes legal tender for discharge of debt is no longer required. 1. The giving a ( federal reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158. 2. The use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894. 3. Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. 4. That ( federal reserve ) 'Notes do not operate as payment ' See Blachshear Mfg. Co. v Harrell, 2 S.E. 2d 766. 5. Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ). These are USC and UCC. Laws and regulations under federal reserve regulations. FRN is only used in medium of exchange for goods and service at the time of payment or transactions. Under the provisions HJR 192 there is only discharge debt or off set the balance. a commercial presentment under section 3-501 ( 1 ) Unless excused ( section 3-511 ) presentment is necessary to charge secondary parties as follows : ( a ) Presentment for acceptance is necessary to charge the drawer and endorsers of a draft where the draft so provides or is payable elsewhere than at the residence or place of business of the drawee, or its date of payment depends upon such presentment. The holder may at his option present for acceptance any other draft payable at a stated date. According to law WELLS FARGO never put FRN or currency into circulation and WELLS FARGO can not ask for payment by currency since the loan was not made at all. THE CODE to back you my claim / USC 31 3121 PAYMENT OF OBLIGATION / 31 USC 5103 COMMERCIAL INSTRUMENT IS LEGAL TENDER /. 31 USC 5115 COMMERCIAL INSTRUMENT ARE LEGAL TENDER FOR PAYMENT OF DEBT. / HJR 192 PUBLIC POLICY 73-10 PASS BY CONGRESS XX/XX/XXXX, XXXX XXXX has accepted the legal notice conditional acceptance agreement by not denying payment no official send out a lawful reason why the payment is denied. WELLS FARGO did not post the negotiable instruments and a FRN serial number XXXX in the amount {$6300.00} which was signed by XXXX XXXX XXXX with a exempt trust account on the back of the remittance which is a actual cash coupon. it was a cash coupon. WELLS FARGO insists on saying its companys policys not to accept the form of payment, but company 's policies are not laws and using their policy to void there obligation to accept any payment by a negotiable instrument. WELLS FARGO is racketeering activates under 18 USC 1961  XXXX  XXXX. WELLS FARGO IS IN VIOLATION BY FEDERAL LAW WHICH CLEARLY STATE BY THE FEDERAL COURT. In Howard & Foster Co. vs. Citizens National Bank of Union, 133 S.C. 202 ; 130 SE 758, ( 1927 ), it was stated, " It has been settled beyond controversy that a national bank, under Federal law, being limited in it's power and capacity, can not lend it's credit by guaranteeing the debt of another. In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S.669. " A national bank has no power to lend its credit to any person or corporation ... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 s.ct 1024, 176 us 682, 44 LED 637. The payment sent. the laws and legal tender are no longer to be used to pay debt with. this is my complaint and the laws which is backing up my claims WELLS FARGO REFUSE TO RECONGIZED THE LAWS GIVEN BY A LETTER THAT WAS SENT WITH THE PAYMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation