Consumer complaint received 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
( reference acct ) : Policy Number : XXXX XXXX XXXX This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provisions on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.

RE : NOTICE OF INTENT TO FILE COMPLAINT DISHONOR OF BILL OF EXCHANGE AND FAILURE TO HONOR LEGAL TENDER NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Dear " WELLS FARGO BANK , N.A . # XXXX, Agent : XXXX SUCCESSORS AND/OR ASSIGNS '' corporation, agent, affiliated agency 's and agents This letter serves as a formal Notice of Intent to initiate a complaint against the XXXX XXXX XXXX XXXX XXXX  for its dishonor and refusal to accept a duly executed Bill of Exchange , properly endorsed and tendered for settlement of a financial obligation.

This action, if not corrected, constitutes a violation of numerous legal, constitutional, and public policy principles, including but not limited to : 1. Legal Tender and Public Policy : Under Title 31 U.S. Code 5103, United States coins and currency, including Federal Reserve Notes and instruments drawn on credit, are considered legal tender for all debts, public and private.

The Federal Reserve Act of 1913 authorizes the issuance of legal tender and the creation of credit-based instruments to facilitate commerce. A Bill of Exchange, when properly endorsed, falls within this framework and represents a valid method of payment under the Uniform Commercial Code ( UCC ), particularly UCC 3-104 and UCC 3-501 regarding presentment and dishonor.

2. The Bankruptcy Act and HJR-192 ( XX/XX/XXXX ) : Following the Bankruptcy of the United States XXXX XXXX, and under House Joint Resolution 192, all obligations were required to be discharged without the use of gold or lawful money. This resolution became a binding public policy, mandating that the government and its subsidiaries ( including municipal corporations such as the XXXXXXXX XXXX XXXXXXXX ) must accept promissory instruments and Bills of Exchange as lawful discharge of debts, in the absence of constitutional money.

The refusal to honor such a lawful instrument violates this Public Policy Bond and constitutes bad faith in commerce, particularly when no lawful money ( i.e., gold/silver ) is recognized or demanded in exchange.

3. Violation of Constitutional and Due Process Rights : By refusing to accept a lawful form of payment, the XXXX XXXX XXXX XXXX XXXX  is infringing upon my right to contract, right to due process under the Fifth and Fourteenth Amendments, and is failing to operate in good faith and fair dealing as required under contract and commercial law.

4. Remedy Demanded : I hereby demand that the XXXX XXXX XXXX XXXX XXXX cure this dishonor within ten ( 10 ) business days of receipt of this notice by : Accepting the Bill of Exchange previously submitted, or Providing, in writing, a full lawful reason for its dishonor, supported by statute and legal authority.

Failure to comply will result in a formal complaint being filed with : The Florida Public Service Commission ( PSC ) The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) The Office of the Florida Attorney General Additional federal agencies and oversight boards as necessary This Notice of Intent is issued in good faith and in the interest of resolving this matter administratively and amicably. If no remedy is forthcoming, further action will be
taken as a matter of right under applicable law.

and further... Fiduciary Appointment by Operation of Law Social Security Account Usage and Obligation to Set Off and Balance Be it known and let it be duly recorded that : " WELLS FARGO BANK , N.A . # XXXX '' agents and principal By accessing, referencing, or utilizing my Social Security Account Number ( SSN ) an identifying account issued by the Social Security Administration and held in trust under the United States you have, by operation of law and through your own actions, appointed yourself as fiduciary, trustee, or liable party with respect to that account.

The use or acceptance of my Social Security Number or related account information in any transaction, contract, application, or administrative action constitutes tacit acceptance and agreement that : You have voluntarily assumed fiduciary responsibility over said account as defined under trust and commercial law ; You are obligated to discharge, set off, and balance any associated public charges, debts, or obligations through your access to credit, exemption accounts, and applicable set-off mechanisms ; You have a duty to act in equity, good faith, and with full disclosure in all matters involving this account ; Your failure to properly discharge or set off obligations arising from use of my Social Security Account, or your continued attempt to enforce collection contrary to public policy (
HJR-192, June 5, 1933 ), may constitute bad faith, fraud, or breach of fiduciary duty under the law.

This fiduciary obligation arises from your use of my trust account information and is supported under : The Social Security Act, codified at 42 U.S.C. 301 et seq.

Public Policy HJR-192, enacted June 5, 1933 Uniform Commercial Code ( UCC ), specifically UCC 3-305 , 1-201, and 3-419 The Federal Reserve Act and related banking regulations Restatement ( Third ) of Trusts and general fiduciary law principles Therefore, I demand that you fulfill your fiduciary obligation by immediately setting off, adjusting, and balancing any account ( s ) or alleged obligations associated with the use of my SSN, account, or estate. Failure to do so shall be construed as willful breach of fiduciary duty and may be subject to legal remedy.

Notice to agent is notice to principal. Notice to principal is notice to agent.

Without prejudice, XXXX XXXX All Rights Reserved, UCC 1-308 and further As Agent on behalf of the principal, XXXX XXXX I am instructing WELLS FARGO BANK , N.A . # XXXX to Set off the charges on Principals account via subrogation in equity, your offer is accepted for Value, and Exempt from XXXX XXXX is evidence that an endorsed coupon has been sent back for WELLS FARGO BANK , N.A . # XXXX to present to its the Federal Reserve window by asking for the principals social security you, WELLS FARGO BANK , N.A . # XXXX agreed to become Fiduciary As your fiduciary duty you are obligated to accept this form of payment via endorsed promissory note see : Bill Of Exchange Act, USCode 3-603 TENDER OF PAYMENT of this commercial transaction, UCC Article 3 governs Bills of Exchange see : PL73-10 HJR 192 of 1933 establishes that it is illegal to demand payment in a specific currency.

Demanding specific currency is a direct violation of HJR 192 of 1933 Public Law 73-10, Against the law and a violation of rights under color of law .This phrase refers to actions taken by a financial institution and or person that misuses their authority leading to a Deprivation of Rights by pretending that one can enforce payment in a specific currency an entity is exerting unlawful pressure on individuals thus extorting, coercing, and injuring them and the entity is as infringing upon their rights and legal protections. This action is not only unjust, but also contrary to established law and legal standards that recognize alternative forms of payment as valid. The demand for specific currency payment is not only inconsistent with HJR 192 and the UCC but also constitutes a form of legal overreach that deprives individuals of their rights. UCC 3-104 defining negotiable instruments 3-104 defines a negotiable instruments which is a document that promises payment of money under specific conditions. According to UCC 3-104, for an instrument to be negotiable, it must meet these criteria, it must be in writing and it must be signed by the maker or drawer. It must contain an unconditional promise or order to pay a fixed amount of money, it must be payable on demand or at a specific time. It must be payable to order or to bearer. When you accept a bill, a negotiable instrument, or participate in a trade, or use a bankers acceptance and slasher or endorse and transfer the monetary instrument, you effectively negotiate that instrument, which then serves as tender of payment. This means that it can be used to discharge debts just like cash, you assign credit to the company to credit the account.

5 ) Acceptance and Settlement to function effectively as legal tender, the payee must accept the bill upon presentment. If it is non negotiable, the drawee must honor it according to the terms specified without transferring it further, it's effectiveness relies on mutual acceptance not the instrument inherent value. 6 ) UCC3-603 and 3-311 provisions. Most importantly UCC section 3-603 stipulates that refusal to accept a valid bill of exchange results in the discharge of the debt amount. This means that if the debtor presents a bill of Exchange for payment and the creditor refuses to accept it, the debt is considered to be discharged. Furthermore, UCC section 3-311 stipulates that if the tender of payment is accompanied by a statement indicating that is is for full satisfaction for the debt there is a discharge of the obligation. This further emphasized the legal significance of a Bill Of Exchange as a valid instrument for settling debts. In summary, while a Bill Of Exchange isn't traditional legal tender, if can and does legally discharge debts.

this is my conditional offer to WELLS FARGO BANK , N.A . # XXXX corporations/agency 's are asked to validate this claim and to please provide the following and further......

Comes Now XXXX XXXX XXXX the flesh and blood living woman an XXXX XXXX as surety that was pledged for the Nations debt in accordance with the following laws who swears under the penalty of perjury that the forgoing information is true, correct and without malice Exercising my right to discharge this claim/debt of {$3600.00} in accordance with the following laws and this negotiable instrument I have endorsed under the Bill Of Exchange Act Affiant Expresses Reservation of rights Pursuant UCC1-308 in accordance with Federal and State Laws Affiant demands all accounts /charges directed to affiants estate name Subrogated in Equity Pursuant HJR 192 of 1933, Public Law 73-10 15 U.S. Code 1666 Fair Credit Billing Act ( FCBA ) 18 U.S. Code 8 Be Advised should WELLS FARGO BANK , N.A . # XXXX and affiliated corporations/agency/firm proceed to violate the law and fail to preform fiduciary duties as appointed by governing agencies and terminate services extending to estate name/trust XXXX XXXX further violations.... 

FEDERAL RESERVE ACT Liability of share holders of reserve banks The share holders of every Federal reserve bank shall be held INDIVIDUALLY responsible, equally and ratably, and not one for another, FOR ALL CONTRACTS, DEBTS, AND ENGAGEMENTS OF SUCH BANK to the extent of the amount of their subscriptions to such stock at the par value thereof in addition to the amount subscribed, whether such subscriptions have been paid up in whole or in part, under the provisions to this Act. [ 12 U.S.C. 502 ] 2025 CORPORATE TRANSPARENCY ACT REQUIREMENT applies to civil and criminal penalties for ( 1 ) failing to report or disclose or update a reporting agency 's BOI and ( 2 ) providing false or fraudulent BOI. Civil penalties include a daily {$500.00} fine for a continuing violation, and up to a maximum of {$10000.00}.

Criminal penalties include up to two years imprisonment.

Fraudulent Charges Failure of national bank to accept terms of Act Any national bank failing to signify its acceptance of the terms of this Act within the sixty days aforesaid, shall cease to act as a reserve agent, upon thirty days notice, to be given within the discretion of the said organization committee of the Board of Governors of the Federal Reserve System. ( Omitted from U.S. Code ) Penalty for violation of Act by national banks Should any national banking association in the United States now organized fail within one year after the passage of this Act to become a member bank or fail to comply with any of the provisions of the Act applicable thereto, all of the rights, privileges, and franchises of such association granted to is under the national-bank Act, or under the provisions of this Act, shall be thereby forfeited. Any noncompliance with or violation of this Act shall, however, be determined and adjudged by any court of the United States of competent jurisdiction in a suit brought for that purpose in the district or territory in which such bank is located, under direction of the Board of Governors of the Federal Reserve System, by the Comptroller of the Currency in his own name before the association shall be declared dissolved. In cases of such noncompliance or violation, other than the failure to become a member bank under the provisions of this Act, every director who participated in or assented to the same shall be held liable in his person or individual capacity for all damages which said bank, it shareholders, or any other person shall have sustained in consequence of such violation. [ 12 U.S.C. 501a ] The Facts Can not be altered or denied Therefore I demand for full discharge of in the amount of {$3600.00} LAWFUL NOTICE : Using a notary, clerk, or secretary on this document does not constitute any adhesion, nor does it altar any status and standing in any manner. The purpose for this is for verifying identity, authentication, and for the rules of evidence are not for co-mingling into any foreign jurisdiction. The Certifying Notary is an independent contractor and not a party to this claim. In fact the Certifying Notary is a federal witness Pursuant to TITLE 18 PART 1 CHAPTER 73, SEC. 1512. Tampering with a witness, victim, or an informant. The Certifying Notary also performs the functions of a quasi-Postal Inspector under the Homeland Security Act by being compelled to report any violation of the U.S. Postal regulations as an Officer of the Executive Department. Intimidating a Notary Public under Color of Law is a violation of TITLE 18 U.S. Code, Section 242, titled " Deprivation of Rights Under Color of Law, '' which primarily governs police misconduct during any investigations. This makes it a crime for any person acting under the Color of Law to willfully deprive any individual residing in the United States and/or United States of America those right protected by the Constitution U.S. laws and who have the authority to invoke the protection thereof.

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