Consumer complaint received 2023-11-20
Company: WELLS FARGO & COMPANY
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
My name is XXXX XXXX XXXX POA for the Consumer/Principal/Creditor XXXX XXXX XXXX ESTATE. 

Agent to the principal is principal to the agent. 

I was told that I must follow all rules, laws, codes and guidelines that was set up by Congress and the Federal Reserve Bank or I will be subject to violations and penalties. 

I except All Rights, Titles, Interest and Equity on behave of the XXXX XXXX XXXX account. 

I come in good faith and I exercise my rights to Full faith and Credit under the Constitution and my inalienable rights of pursuing life 's basic necessities of enjoying my life liberties of acquiring and possessing and protecting property and seeking my safety, health and happiness in all lawful ways. 

All laws which are repugnant to the Constitution are null and void. " Marbury vs. Madison. 5 US ( 2 Cranch ) 137,174,176, ( 1803 ) I am exercising my rights to my informed use of credit pursuant to ( 15 USC 1601 ) by Congress.

I made a consumer credit transaction pursuant to ( 15 USC 1679a ( 2 ) ) at XXXX XXXX XXXX on XX/XX/XXXX. The purchase agreement was for a XXXX XXXX XXXX VIN # ( XXXX ) and I didn't receive my goods. 

I endorsed an application ( application # XXXX ) with my Consumer/Business/Creditors name and FRB/Social Securities Credit account # and signature for XXXX credits for the purchase of the goods. 

I read that the application is my federal note, security collateral pursuant to the Federal Reserve Banking Act Section 16 part 1 & 2, and my financial asset, pursuant to ( 12 CFR 360.6 ( 2 ) 2 ) as cash or instrument that conveys to one entity a contractual right to receive cash or another financial instrument from another entity. ( picture of me with the financial asset is attached ) I informed the sales consultant and the GM of my rights to my on credit- by- law as the consumer, under the ECOA and CCPA. they both was looking at me as though to not know what I was talking about and kind of laughed at me. They asked me if I had a down payment and I told them that a down payment was not required in a finance charge pursuant to ( 15 USC 1605 ) and they laughed again. 

They made me feel like I was a minor and as though I was incompetent and uninformed about the laws that protects me as the consumer and then the GM cut me off as though he didn't want to hear me tell him what the law states anymore and I kindly asked him not to violate my inalienable rights and that it was Discrimination of the ECOA and CCPA but they acted as though they were not informed of the laws that Congress set up for the consumer. 

My credits was pulled out of my account because I got an alert from XXXX Credit Reporting Agency of the said Consumer Credit Transaction. I was told by XXXX that I would receive a letter in the mail of the decision. I received the decision letter on XXXX XXXX XXXX from the Lender Wells Fargo Auto and it told me I was denied because of a credit score which does not apply to me for I am the living and natural man pursuant to The Cestui Que Vie Act of 1666 exercising by law my consumer rights to an informed use of credit pursuant to ( 15 USC 1601 ). 
Now see that's a problem because that goes against my rights to my on credit an denying me my rights to my on credit is discrimination and securities fraud pursuant to ( 18 USC 657 ) and ( 18 USC 1348 ) and I told Wells Fargo Auto to either kindly retract my application/money/financial asset pursuant to ( 12 CFR 360.6 ( 2 ) ) or give me my goods for my household and family purposes under the Consumer Credit Transaction Act and Truth and Lending Act pursuant to ( 15 USC 1605 ,1635 ). They told me no that they could and would not retract my application/financial asset.

Please Review and perform the righteous and honorable fedutiary duties as you uphold the Constitution to protect the rights of the consumer as the CFPB in good faith Thank you.

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