Consumer complaint received 2024-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Name of applicant : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX XXXX  on applications : XXXX : XXXX To whom it may concern, I have been working on getting the XXXX  of this adverse action resolved, which is an issue of discrimination. I have already reached out to XXXX XXXX XXXX XXXX  a few times and all times the agents were not equipped with the knowledge of the XXXXXXXX XXXX and regulations to get this issue resolved, so damages are still being done on behalf of Wells Fargo. Please see attached documents about this dispute. My Status of public and private standing is on the public records as a secured creditor. see attached pdf. statues updated. 

First, would like to express that I am the sole Surety/Beneficiary of the Estate of XXXX XXXX XXXX XXXX XXXX. Because my XXXX  was requested in this consumer credit transaction, it now makes this transaction a XXXX transaction, of XXXX, which falls under XXXX XXXX. I should not be denied my XXXX given rights. See attached documents for more information regarding my Public/Private Status. 

Secondly, I would like the XXXX that I am a Secured Creditor that has consumer rights to offer or extend my credit to any person or corporation for the service or products that are there. See attached File of Secured Creditor documents. ( XXXX XXXX ) Also note that the XXXX XXXX XXXX XXXX, when The United States XXXX has been taken off the gold standard and has Given the people unlimited faith in credit by utilizing the power of our signatures as an endorsement, therefore for every promissory note and application that is signed by a XXXX XXXX is considered Payment in full. Every national and member bank and institution of the Federal Reserve is obligated to transfer and monetize all bill of exchanges notes, security Notes, and promissory notes, for credits to be deposited on behalf of the consumer, and once this is transaction is complete, it will make any set agreement VOID. Unless there are signatures of a Debtor and Creditor on the XXXX note, that then can be held for collateral until the agreement of the XXXX ( XXXX ) parties are met Then the promissory note becomes Voided. It truly is a great disservice and fraud that this Bank and many more bank institutions are committing against the American People. 

XXXX, in this part of the letter I will XXXX some XXXX. that will show more proof of how my XXXX Rights are being violated by denying me an extension of my own credit. Not even allowing me a chance to utilize my XXXX given rights of credit. Also, my application is the prepayment, the collateral is receivable by all national and member banks of the federal reserve, that means every time I turn in an application, it was good otherwise, I shouldve received my application back. Federal Reserve XXXX XXXX part XXXX Cfpb complaint Pursuant to the Truth in lending act ; The Truth in Lending Act ( TILA ) of XXXX is a United States XXXX XXXX designed to promote the informed use of consumer credit, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed. I was denied a extension of my own credit without proper disclosure. Pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as XXXX in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. 
I have expressed this XXXX XXXX with the agents of chase bank and they both still denied overturning the decision. I also explained that a XXXX SCORE has nothing to do with a Consumer credit transactions. As the Grantor/Beneficiary of The Estate " XXXX XXXX XXXX '' makes me the Alive Natural person whom is the original creditor that has the rights to extend his credit as a consumer credit transaction and should not be denied my equity. 15 U.S. Code 1602 ( e ) The term person means a NATURAL PERSON or an organization. Pursuant to Security Act of XXXX there are only security Notes in circulation which allows me the Natural Person to utilize his Equitably endorsement to create Credit or Debit. 
XXXX RIGHTS XXXX to XXXX XXXX XXXX : I CAN NOT BE DENIED CREDIT BASED ON INTERNAL STANDARDS SUCH AS XXXX XXXX SCORE, THIS IS INSUFFICIENT Take Further Notice : Subjecting a 'consumer ' to 'Adverse action ' ( XXXX U.S.C $ XXXX ( k ) ) with respect to any aspect of the consumer credit transaction is 'discrimination ' and UNLAWFUL according to the Equal Credit opportunity Act ( XXXX XXXX XXXX ) and is pursuant to civil liability under XXXX XXXX XXXX. Furthermore, because my Social Security number was used, if I do not receive benefit ( XXXX ), that stands as proof/evidence that " This Company '' committed fraudulent activity ( " unauthorized use '' of " Credit Card '' /Social Security Card XXXX XXXX XXXX ( p ), ( XXXX ), & against me, the XXXX '. 
Please Note : upon delivery and receiving of this notice/contract, this company has XXXX ( XXXX ) business days to perform and respond to reconsider and remedy this matter of adverse action, or rebut/refute this contract, in substance, point-by-point, silence is tantamount to agreement. ' If This COMPANY fails to make any reasonable actions/performance to provide remedy, this company will be held criminally and civilly liable for all actual damages pursuant to XXXX XXXX $ XXXX & XXXX US.C XXXX and a federal lawsuit claim will be filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX, at XXXX am, as well as the Federal Trade Commission XXXX and State Attorney General if the XXXX  is not resolve in XXXX business days.

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