Consumer complaint received 2022-12-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
My name is XXXX XXXX and I had purchased a vehicle with XXXX XXXX XXXXXXXX XXXX XXXX by XXXX XXXX back in XXXX  and I purchase the vehicle with WELLS FARGO BANK and something told to go o the contract again since I was going through some issues with XXXX XXXX for the same reason which i am about to describe in the previous complaint.Anyway WELLS FARGO BANK Illegally copy and paste my signature in to a retail installment contract wit out my consent and the bank been force me to pay them interest this is fraudulent and I demanding a refund back plus a fine for damages. The original agreement I received from th car dealership is totally different from the one the bank provided. And I've never signed or agreed to pay this retail installment contract, that's a security interest, this credit transaction was complete at the dealership and plus the make me pay for a down payment which also illegal. So I ask- [ ] May I please have the agreement that was set this security interest in place? Please do not send me this retail installment contract, that's a security interest I do NOT need that fraudulent contract. The bank destroys my good credit and sold my information to third party dedt collectors agency which I have no business or contracts with. 
1. XXXX {$3.00} ( 1 ). The financing of an automobile by a bank was not a consumer loan transaction where the bank was only the assignee of the automobile sales contract and therefore acted illegally in taking security in addition to the purchased automobile. XXXX XXXX 
XXXX XXXX XXXX XXXX ( XXXX ) 537 P2d 1207, 86 ALR3d 309. 15 U.S. Code 1635 - Right of rescission as to certain transactions. 12 USC 1431 and also 42 USC 408 15 USC 1602g The bank is committed fraud and misleading me out of my right Tittle 15 Subsection 1611. Please provide me the proper document which show all the factors where this loan originated from. truth and Lending Act, Case Law and Regulation Z Truth in Lending Act was passed to prevent unsophisticated consumer from being misled as to total cost of financing. Truth in Lending Act, Section 102, 15 U.S.C. Section 1601. Griggs V. Provident Consumer Discount.680 F.2d 927, certiorari granted, vacated 103 S.Ct. 400, 459 U.S. 56, 74 L.Ed.2d 225, on remand 699 F.2d 642. U.S. CONSTITUTION ON DEBT 25. THE U.S.

CONSTITUTION Article 1 Section 10 of the US CONSTITUTION states : No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts : pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. 2 ) It is impossible to pay a debt using Federal Reserve Notes : 1. Federal Reserve Notes are debt instruments as evidence by the word NOTE as in Federal Reserve Note that is on the dollar bill, ( 1 ) NOTE : " is a Debt instrument '' Blacks Law 4th edition ( 2 ) Federal Reserve Notes come into existence only by creating Debt. ( a ) The sale of T Bills, T Notes, T Bonds ( b ) " Fractionalized Banking on Deposits ( c ) Creating Loans

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