Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Affidavit : XXXX, Orders, Clarification and Statement ofValue and Consideration XX/XX/XXXX From : XXXX XXXX XXXX, Attorney-in-factOn behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX ) XXXX XXXX To : XXXX XXXX : XXXX XXXX Escalations XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Mail # Regarding account ending # XXXX and any attachedor connected accounts, applications, reorganization agreements, negotiable instruments, etc. 



Section 1 : Definitions Payment : The fulfillment of a promise, or the performance of an agreement.-Blacks Law 4th Edition Tender:1. The offer of performance, not performance itself, and, when unjustifiably refused, places other party in default and permits party making tender to exercise remedies for breach of contract.-Blacks Law 4th Edition 2. An offer of money ; the act by which one produces and offers to a person holding a claim ordemand against him the amount of money which he considers and admits to be due, insatisfaction of such claim or demand, without any stipulation or condition.-Blacks Law 4th Edition Check : The Federal Reserve Board defines a check as a draft or order upon a bank or banking housepurporting to be drawn upon a deposit of funds for the payment at all events of a certain sum of money to a certain person therein named or to him or his order or to bearer and payable instantly on demand. It must contain the phrase pay to the order of.-Blacks Law 5th Edition US dollars : United States coins and currency ( including Federal reserve notes and circulating notes ofFederal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts.-31 USC 5103 Novation : The substitution of a new debt or obligation for an existing one.-Blacks Law 4th Edition Consideration:1. Consideration is not to be confounded with motive. Consideration means something which is of value in the eye of the law, moving from the plaintiff, either of benefit to the plaintiff or ofdetriment to the defendant.-Blacks Law 4th Edition 2. Nothing is consideration that is not regarded as such by both parties. Schlecht v. Schlecht, 168 Minn. 168, 209 N.W. 883, 887 Nation : An Independent body politic ; a society of men united together for the purpose of promotingtheir mutual safety and advantage by the joint efforts of their combined strength. But everycombination of men who govern themselves independently of all others will not be considereda nation. A body of pirates, for example, who govern themselves, are not a nation. To constitute a nation, another ingredient is required. The body thus formed must respect other nations in general, and each of their members in particular. Such a society has her affairs and her interests ; she deliberates and takes resolutions in common, thus becoming a moral person, who possesses an understanding and will peculiar to herself, and is susceptible of obligations and rights.-Vattel, Prelim. Ill, 2 ; 5 Pet. ( U.S. ) 52. See 1 Idaho ( N. S. ) 612.

UCC 3-103 definitions of order and promise ( a bill of exchange is an unconditional order to pay and a promissory note is an unconditional promise to pay ) : ( 8 ) " Order '' means a written instruction to pay money signed by the person giving the instruction.The instruction may be addressed to any person, including the person giving the instruction, or to one or more persons jointly or in the alternative but not in succession. An authorization to pay is not an order unless the person authorized to pay is also instructed to pay. 
( 12 ) " Promise '' means a written undertaking to pay money signed by the person undertaking topay. An acknowledgment of an obligation by the obligor is not a promise unless the obligor also undertakes to pay the obligation.Ens legis : A creature of the law ; an artificial being, as contrasted with a natural person. Applied tocorporations, considered as deriving their existence entirely from the law.-Blacks Law 4th Edition Section 2 : Introduction Thank you very much for reading this and forwarding it to the proper person to handle it. Noticeto agent is notice to principal.

Im available via multiple forms of contact if any clarification of this document is needed prior toresponding in affidavit form.

Section 3 : Novation Points A. Parties 1. Definitions and Background The definition of Person, from 26 USC 7701 ( a ) ( 1 ) is : The term person shall be construed tomean and include an individual, a trust, estate, partnership, association, companyor corporation.

The definition of certificate is : statement of some fact in a writing signed by the partycertifying. -Nowell v. Mayor and Council of Monroe , 177 Ga. 648, 171 S.E. 136, 141 The definition of live birth is : Live birth means the complete expulsion or extraction fromits mother of a product of conception ( irrespective of the duration of pregnancy ) which, aftersuch separation, breathes or shows any other evidence of life such as beating of the heart, pulsation of the umbilical cord, or definite movement of voluntary muscles, whether or not theumbilical cord has been cut or the placenta is attached.

A Certificate of Live Birth is a statement of fact that a live birth occurred.

Typically, there are aspects of the live birth, such as the placenta, which is abandoned ( left fordisposal ) by the mother. This could also be other parts of the birth such as the umbilical cord.

STATE OF MISSISSIPPI is listed as a

business on Dun and Bradstreet and is located in theDistrict of Columbia.The evidence behind this is that the United States is located in the Districtof Columbia as per UCC 9-307 ( h ). STATE OF MISSISSIPPI is a sub-corporation of UnitedStates. 4 USC 72 also covers this idea as well : All offices attached to the seat of governmentshall be exercised in the District of Columbia, and not elsewhere, except as otherwise expressly provided by law. Naturalization, as per 8 USC 1101 ( a ) ( 23 ) is defined as : The term naturalization means theconferring of nationality of a state upon a person after birth, by any means whatsoever. The word state from naturalization is synonymous with the word nation, which is defined inthe definitions section in Section 1 of this novation. The definition of the word person from Title 8 is defined as an individual or organization.The definition of the word organization from above comes from 8 USC 1101 ( a ) ( 28 ) and is : The term organization means, but is not limited to, an organization, corporation, company , partnership , association, trust, foundation or fund ; and includes a group of persons, whether ornot incorporated, permanently or temporarily associated together with joint action on any subject or subjects. The definition of public corporation is : A public corporation is one created by the state for political purposes and to act as an agency in the administration of civil government.-Blacks Law 4th edition. 2. Clarification and Novation of Parties When born, my mother abandoned the various products of conception. These products were part of the live birth and the Certificate of Live Birth involves only those abandoned products, not the male body of which I possessed and inhabit to this day.The Certificate of Live Birth is a document that is an abandonment and naturalizationdocument. It is a document that shows that products of the Live Birth were abandoned and it also is my mother conferring the nationality of the State ( incorporated business ) called STATE OF MISSISSIPPI upon the abandoned products of conception, after birth, by any means whatsoever ( naturalization ). This effectively naturalized, what was assumed to be me, falsely, into the District of Columbia. There is a specific line on my Certificate of Live Birth entitled Date received by local HealthOfficer. This date is the date that a public corporation/trust/estate was opened as a legal fiction which represents the abandoned products of conception.This public corporation/trust/estate is represented by my name , converted into a tra
de name ordoing business as name of my name in all capital letters : XXXX XXXX XXXX. 

This corporation/trust/estate XXXX XXXX XXXX XXXX as per most definitions found of the word. 
The birthday of the person, XXXX XXXX XXXX, is the date that the Certificate of Live Birth was received by the local Health XXXX, which would be XX/XX/XXXX. 
THE SOCIAL SECURITY NUMBER IS A TAX IDENTIFICATION NUMBER ( EIN/TIN ) FOR THE ENS LEGIS AND IS NOT ATTACHED TO ME AS A MAN. EINNUMBERS ARE ASSIGNED TO BUSINESSES, NOT MEN AND WOMEN.

Myself, not involving any of the above aspects, am an unincorporated freeman of the Union, as quoted from the Honorable Mr. Justice MILLER, as he spoke on the difference between state citizenship and Federal US citizenship in the Supreme Court case : The Slaughter-House Cases, 83 U.S. 36 ( 1873 ).

The terms individual and natural person both apply to the all caps ens legis and not myselfas the freeman of the Union. These terms are often confusing or misunderstood.A good example of the above confusion can be found in this definition of the word individual : As a noun, this term denotes a single person as distinguished from a group or class, and also, very commonly, a private or natural person as distinguished from a partnership, corporation, orassociation; but it is said that this restrictive signification is not necessarily inherent in the word, and that it may, in proper cases, include artificial persons.State v. Bell Telephone Co., 36 Ohio St. 310, 38 Am.Rep. 583 For clarity of all of our contracts, the term natural person and ALSO the term individual, inall aspects of our contracting, will be defined as the following : the living man or woman. This man or woman operates and speaks on behalf of the soleproprietorship/public corporation in the fictional world, but is entirely a different person.This individual or natural person does not fit the definitions in the normal legal worldand this definition specifically and entirely eliminates all assumptions of jurisdiction, citizenship, nationality, etc. All of that information is definable only and exclusively by theindividual man or woman and is NOT subject to absolutely any involuntary servitude, forced contractual obligation, etc.My birthday, as a natural person, is XXXX XXXX XXXX.

I operate as the attorney-in-fact over the person named XXXX XXXX XXXX and all contact will be made through XXXX XXXX XXXX ( including any litigation ).

Conclusion : There are two persons at play here. One is a man of the Union and the other is a publiccorporation/sole proprietorship. The public corporation is used as a buffer or flow-through for all commercial transactions and it is agreed through this novation that the trade name, XXXX XXXX XXXX , will be the primary person mentioned on all documents and litigation and then the natural person, XXXX XXXX XXXX XXXX speaks on behalf of the public corporation because the public corporation can not speak or write. 

XXXX XXXX XXXX, because he is not intrinsically a commercial entity and thus would not fit the legal definition of a person, will not be the one entering jurisdiction into any court and he will be using naturalization in order to move XXXX XXXX XXXX into the jurisdiction of the court but it is agreed by all parties that he is still operating pro XXXX in the courts as he is still presenting in his own name. The agreement is that XXXX XXXX XXXX is a commercial trade name that XXXX XXXX XXXX is authorized to use in commerce. 
XXXX XXXX XXXX is a foreign national of the Nation of the XXXX XXXX, which can be viewed at www.theamnestycoalition.org. 

XXXX XXXX XXXX is movable via naturalization as per 8 USC 1101 ( a ) ( 23 ) and will bemoved around, at will, by XXXX XXXX XXXX. XXXX XXXX XXXX is not a resident or citizen of absolutely any corporate, incorporated or business entity. The plural version of men or women is people, whereas the plural of legal fictions is persons. 

B. All Other Points of Novation 1. All previous assumed or expressed arbitration agreements are hereby void due to fraudand lack of consideration. No parties are any longer eligible for ANY arbitration activities and discovery, right to a jury trial and ALL other rights of due process are hereby retained explicitly by all parties 2. All previous Powers of Attorney, expressed or implied, are hereby canceled. A newlimited Power of Attorney can be written up based on the aspects of this novation, if desired. 
3.Without prejudice and the reserving of all rights is hereby activated for both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX All rights are reserved at all times. 
XXXX. All negotiable instruments ( promissory notes and bills of exchange ) involving all transactions on all accounts past, present and future, are hereby novated under fraud ( lack of clear conditions/terms, fraud, unjust enrichment, etc ). All past, present and futureblank indorsements are hereby canceled. ALL BLANK INDORSEMENTS, FROM THIS POINT FORWARD, NEED TO BE EXPLICITLY INDORSED Pay to the order of : bearer OTHERWISE THEY CAN NOT BE ASSUMED TO BE BLANK. The new qualified/special indorsement for all past, present and future securities is now the following ( consideration to all currency exchanges will be paid once performance of Federal Reserve Discount Window services have been completed and Federal Reserve Notes are returned to the payee ) : WITHOUT RECOURSEPay to the Order of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- -- XXXX XXXX XXXX, attorney-In-fact 5 . All Title 18 ( USC ) crimes, and also all State penal and criminal claims, which normallydo not have a private right of action in litigation, are hereby entered into this novationas a CONTRACTUAL aspect of our private agreements. Meaning that all of these Codesare now enforceable in a civil court as a private part of our contractual obligations andTHESE CODES ARE NOW ACTIVE TO BEING CAUSES OF ACTION IN CIVIL COURT.6. Anything that was previously pledged as collateral on any accounts or loans, above andbeyond the original promissory note that now has a qualified/special indorsement, ishereby released and is no longer attached as collateral on any accounts. 
7.All interest payable on all notes or bills are now claimed by XXXX XXXX XXXX XXXX XXXX XXXX and that controversy needs to be sorted out right away so we candetermine what service fee that any banking/financial organization will be getting for theservice of currency exchange at the Federal Reserve Discount Window . 
8.If you are a bank, credit union, or any other financial organization, you are hereby nowthe fiduciary for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your fiduciary duty is to ensure the clean, direct and honest negotiation of all negotiable instruments and toproperly help us do a currency exchange of the original collateral securities for FederalReserve Notes at the Federal Reserve Discount Window. Absolutely anything that wouldnot effectively and rapidly assist in that is now officially a breach of fiduciary duties. Anyusage of the term lender or borrower when attempting to say that you lended eitherof us anything will be a charge of breach of fiduciary duties. The ONLY thing that isconsidered consideration in this contract is now the helpful actions that assist us insecurity swaps at the Federal Reserve Discount Window-NOTHING ELSE IS CONSIDERATION.

9. Notarization is not naturalization and just because a document was notarized in a locationdoes not mean that is naturalization of any individual or organization. Naturalization isonly legally binding if it is a clear and specific conferring of a state/State/nation upon anindividual or organization, after birth, by any means whatsoever. As of the writing of thisnovation, the incorporated nation of STATE OF NORTH CAROLINA is herebyconferred upon XXXX XXXX XXXX, while XXXX XXXX XXXX confers the state called the Nation of the Amnesty Coalition ( unincorporated ) upon himself, after birth, by any means whatsoever.

Section 3 : Value and Consideration Clarification To be clear, all lending never occurred so is not considered consideration ( because there is no lending going on ) .But facilitating Federal Reserve services at the Discount Window via an OC-10 agreement is considered consideration.

It is valuable consideration that my currency ( original note ) is being swapped at the Window foranother type of currency ( Federal Reserve Notes ) and returned to me. This activity is not lending but is a simple currency exchange. This is what it will be called in all aspects of our contract or any necessary litigation. Any usage of the word lending or any indication of me being loaned anything will be met with fraud charges.

Section 4 : Orders Please discharge/set-off all imbalanced accounts and immediately refund all over performance on this account since the account 's inception. Please send me a verified affidavit of this beingcompleted ( by an individual ). Please include their phone number and email on the affidavit aswell in case I need to contact them.

Please immediately remove any bad reports that may have been made on the credit score of the trade name XXXX XXXX XXXX. 
Please remove any accounts from any collections. 
Please also release all liens or any other security interest that has been filed in any way for any asset and please destroy any Certificates of Title or any other securities showing a security interest for anything associated with our contracts. 
All assets will now be held in full dominion in private trusts that are located in the Nation of TheAmnesty Coalition. Do not list the public corporation as a registered owner or release anydocumentation showing a security interest. Anything issued of this type will be securities fraudand will be handled with litigation ( civil and criminal ).

This includes any interest available from the swapping of any collateral securities at the FederalReserve Discount Window, any extraneous and irrelevant Federal Reserve Notes that weretendered onto this account, and any additional securitization or activities that took place with any original collateral securities.You have a total of 30 days to complete these orders from the time this affidavit is signed for ( there will be a series of other mailings sent to you during this time to ensure proper notice ofnovation ) .This document is an unconditional order to perform.

Section 5 : Closing Statements This affidavit is being sent to you in good faith.

UCC 1-201 defines good faith as : honesty in fact and the observance ofreasonable commercial standards of fair dealing. 
I would like to be clear that I am absolutely and entirely available for in person communication, email, phone calls, texts, faxes or hard mail through the USPS. I am not a combatant and simply wish to establish a more equitable agreement between us both where we can both win and succeed. 
This is an affidavit that is being issued to you. This affidavit must be rebutted by an affidavitspecifically clarifying and rebutting each and every INDIVIDUAL aspect of which you are notin agreement with or would like to change and exact and specific reasoning and supportinglaws/statutes must be written in the affidavit in order for there to be a justiciable controversy onthat particular aspect. 
The total time that you are being given to perform on these orders is 30 days from the receipt of this affidavit. 
If there is a denial of the orders in Section 4 or if these affidavits are ignored, litigation will befiled and served immediately after the denial or immediately after the 30 day period elapses.You can call me, email me, send mail to me, or any other reasonable attempt to contact me and Ill be more than happy to speak to you. I am more than willing to work with you and this section is here just to be clear that intimidation, slander, libel, lies and bluffs will be AGGRESSIVELY handled to the absolute fullest extent of the law.Honest attempts to solve the difficulties and controversies that we find ourselves in will be metwith sincerity and appreciation.

Signature Section ( pursuant to 28 USC 1746, If executed without the United States ) : I declare under penalty of perjury under the laws of the United States of America that theforegoing is true and correct. Executed on XXXX ( date ) : _____________________________________Without prejudiceBy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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