Consumer complaint received 2017-11-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/2014 alleged amount {$24000.00}. 

WELLS FARGO DEALER SVC has a clearly defined duty under the law of contracts to provide each and every one of the five essentials components that are required to establish a lawful contract. With at least three of the essentials components missing from the contract under discussion WELLS FARGO DEALER SVC can not enforce or collect on this unconscionable contract check any edition of XXXX Law Dictionary under contract. Under the definition of Fraud in the factum : misrepresentation as to the nature of a writing ( contract ) that a person signs with neither knowledge nor reasonable opportunity to obtain knowledge of its character or essential terms. The presence of any type of fraud in a contract vitiates the contract : cancels it from its inception and there is no statute of limitations on discovering fraud. I invoke my right to equal protection under the law and to seek a remedy for the breach of those duties ( Contract as defined in XXXX Law Dictionary 6th Edition ). Pursuant to Federal and State laws and regulations ( see attached ). the Borrower ( verifiably the Lender in Fact ), is hereby giving the Lender Notice and Demand for Full Disclosure of the terms and execution of the Account. Note : WELLS  FARGO DEALER SVC can either answer this Notice now or be compelled to under Court Order ; your choice. Please mail to the Borrower ( verifiably the Lender in Fact ), certified and verified copies signed by competent fact witnesses under penalty of perjury, or schedule an opportunity for the Borrower ( verifiably the Lender in Fact ), and/or his CPA and/or his expert witness to make a physical inspection of the following documents within ten ( 10 ) days of the receipt of this Notice : 1. the original application/ contract/ promissory note, front and back, associated with this Account.

2. any allonge, front and back, affixed to this Accounts application/ contract/ promissory note for indorsements 3. all general and accounting ledger sheets and  bookkeeping journal entries associated with this Account 4. the original deposit slip employed to open this Account 5. the insurance policy covering this Accounts and contract 6. the Call Reports for the period covering this Account 7. the deposit slip for the deposit of the Borrower 's ( verifiably the Lender in Fact ), application/ contract/ promissory note associated with this Account 8. the order authorizing the withdrawal of funds from Borrower 's ( verifiably the Lender in Fact ), application/ contract/ promissory note deposit account 9. the account number from which the money came to fund each merchant draft resulting from a Borrowers ( verifiably the Lender in Fact ), point of sale transaction 10. verification that Borrower 's ( verifiably the Lender in Fact ), application/ contract/ promissory note was a free gift to the Lender from the Borrower ( verifiably the Lender in Fact ). 
11. the name and address of the current holder of the Borrower 's ( verifiably the Lender in Fact ), application/ contract/ promissory note 12. the name and address of the WELLS FARGO DEALER SVC 's CPA and External Auditor for the period covering the Account execution While I understand that you are not at this time required by law to provide the answers and documentation I have requested, I am making this good faith attempt to clear up any confusion in this matter before taking any further actions. Failure on s part to respond within ten ( 10 ) days of receipt will be deemed a dishonor of this Notice and Demand for Full Disclosure and will provide valid documentation of a consistence pattern of BAD FAITH. Should you elect not to respond to these requests, I am sure that questions and documents listed here but in much greater detail and depth will be readdressed as part of the discovery process should this escalate to litigation. Should WELLS FARGO DEALER SVC choose to escalate this issue to litigation, their practice of BAD BEHAVIOR will be fully documented and introduced as evidence before the court.

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 non-monetary relief