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INTRODUCTORY SENTIMENT : "You are a bunch of thieves ." (ITEM 6 BELOW)ABSTRACT: Should Wells Fargo Bank provide account numbers, and do business with NUFIC, a company that routinely defrauds the clients it receives by referral from Well Fargo ? Should the account holders of Wells Fargo Bank be made aware of the gross malfeasance of its insurance affiliate? Should Wells Fargo Bank be required to reveal the financial gains either by commission or direct payment it receives from NUFIC for their shared malfeasance? Wells Fargo and its affiliate, NUFIC have conspired (by means of debit and fraudulent representations) to stealthily extract funds on a monthly basis from its least moneyed account holders. In the aggregate these seemingly minor sums amount to a massive amount financial fraud. Both Wells Fargo Bank and NUFIC have conspired to defraud their clients through a flagrant disregard of fiduciary responsibility in pursuit of profits that can be described as nothing less than criminal racketeering. These include violations of the Gramm-Leach-Bliley Act; the Telemarketing and Consumer Fraud and Abuse Prevention Acts. The use of wire and telephone communications to mislead consumers in attempted solicitations is also a violation of 1998's Access Devices Regulation Act. ITEM 1
ITEM 2 I just found out an unknown charge of $24.95 by "NUFIC Hpp INSR" has been automatically withdrawn on Wells Fargo bank checking account for 3years totaling $1000, which I thought it was utilities bill for a long time. I called customer service. They fee was from telemarketing call which solicited accident insurance. They said I gave verbal permission to enroll. This I never did nor did NUFIC ever produce an alleged recording which I never made. They have business connection with my Wells Fargo bank. They know my account number, and automatically withdrew the money from my account. I never signed or received any insurance documents or paperwork from National Union Fire Insurance in the past 3 years. This is a fraudulent charge and insurance scam. Also, Wells Fargo Bank should not give out customer's account information to National Union Fire Insurance Co or to any other third party solicitors.All person scam med should file a law suit together for this company. Email: clearite@hotmail.coITEM 3 I have been a customer with Wachovia bank for more years than I can remember, then Wells took over so I thought alright no problem not so on 3/24/10 I noticed an automated debit from my account from an Insurance co. I had never heard of for 25.95. I called Wachovia 1-800-number to see what this was all about the lady also told me the same amount was taken out of my account on 4/26/10 my statement ended on2/23/10, she gave me the phone number to the Ins. Co they said they had called me and I had authorized this, I knew I had not as I don't need any kind of Insurance I am pretty well covered. I don't do business over the phone when people call me about things they are trying to sell I tell them to send me the information and if I am interested I will contact them. I told the to cancel the insurance and I wanted both withdrawals returned to my account thy said they would return one but I would have to write to a gentleman in Jacksonville Fla. to get the other money I went to the bank and talked to a gentleman that takes care of a lot of my banking needs so he called the Ins. Co and let me talk to a man there so he started telling me I had to write to Jacksonville I told him that this was not my mess and they could clean it up I ask to speak to his supervisor but he said his supervisor was out I then ask to speak to a supervisor I didn't care who' supervisor, he put me on hold and when he got back on the phone I was told that all my money would be returned to my account and it was. The manager of Wachovia told me that Wells Fargo has telemarketers that were calling people and that they were saying they called me and and sent me a 25.00 gas voucher which I never received and I never received an Insurance policy or any paper work so what good would Insurance do me without an Insurance policy, the policy # is the first thing they ask of you if you have to make a claim. they claim I gave them my account number I don't give my account out to anyone especially over the phone The American people are being robbed without a gun. ITEM 4 Wells Fargo Texas Compliant The company called and offered me a 'insurance policy that I told them I did not want, then after insisting I examine it for 30 days, withdrew $20.00 from my account ( which I did not authorize them to do!!) and Wells Fargo allowed them to do, (again UNAUTHORIZED) and now want to charge me a $33.00 overdraft fee!! (SCREW THEM!)Because I didn't have that much in there at the time they did it. Which by the way, they did this withdrawal before I even got the envelope with the thing I was supposed to examine from them in the mail! WHO THE H*LL DO THESE PEOPLE THINK THEY ARE? And WELLS FARGO is just as culpable in this RIPOFF as this CSI is! Robert Grand Prairie, Texas ITEM 5 This is my story and I,Lana ------ declare that on August 19, 2011, I went to my Wells Fargo Bank to deposit some money and I asked the teller about some of my current transactions. The Wells Fargo teller told me that I had a $24.90 monthly deduction going to NUFIC. I asked, What is NUFIC? and the teller said that there was a phone number but wasn't sure what NUFIC was and referred me to another worker who explained to me that as she looked up my bank account that NUFIC had deducted the $24.90 monthly deduction for three months and that is the farthest that she could see and moreover telephoned NUFIC for me and she was put on hold and then further explained that NUFIC was CHARTIS INSURANCE CO. I was very surprised and disappointed that I had never heard of NUFIC and did not know why $24.90 monthly deduction was being deducted from my account and how did NUFIC get my information? The only answer that the Wells Fargo worker told me was that NUFIC was a third party agent to Wells Fargo. On August 23, 2011 I received a letter from NUFIC stating that," I elected to enroll in accidental isurance plan by means of a telemarketing phone call. This accidental insurance plan was offered to you as a valued customer of WellsFargo-DDA. Lana ------ gave express authorization to enroll for this accidental insurance." I was very surprised and disappointed that this insurance company was so...dishonest. I never authorized NUFIC to deduct any monies ever from my account. On Sept. 6,2011 I spoke with a NUFIC worker, Debra stating that I wanted an investigation into this fraudulant unauthorized account debit and Debra said that they would look into it. I have not heard from NUFIC yet. I have been speaking with several Wells Fargo workers who two weeks ago filed a claim for me. Yesterday I received a letter saying that my investigation was closed, that NUFIC did not have my authorization and that they had deposited $24.90 into my account. Additionally today I received my second letter from Wells Fargo saying that I could only receive 60 days of a claim and that they deposited $74.00 into my account. Moreover today I spoke to a Wells Fargo claims supervisor regarding their improper investigation into not receiving my monies due from NUFIC. Wells Fargo claims supervisor claimed that she would get the recorded message with my authorization from them and that it should only take 2days to receive that. I informed her that I have been waiting since Aug. 19,2011 for that recording and I told her good luck! ITEM 6 "YOU ARE A BUNCH OF THIEVES." You are a bunch of thieves. I received a phone call back in May 2011 was offered insurance. I told the caller I was not interested. Was told I would receive on offer including a 25.00 gas card just to look over policy. If I still didn't want it sign and send back. Well I never received anything. Then in July 2011 Money was stolen from my checking account. Yes I said STOLEN for an insurance payment for something I never authorized. Now I'm out $68.00 for return check fees and such because when you stole my money you also messed up my books because I didn't know you where stealing my money. Rest assured the Ohio Board of Insurance and the Ohio Attorney General will Know of your unfair business practicesWells Fargo Woes Redux: In October of 2011 I discovered a debit for 24.95 from my credit card account. The origin of the debit was not identified by name. Upon further investigation I tracked the fee to an affiliate of Wells Fargo Bank called NATIONAL UNION FIRE INSURANCE COMPANY or NUFIC. Since any given fee might be summarily overlooked I ventured back into my statements to see if the same sum had been withdrawn in any earlier records. There I discovered debits of $24.95 by the same source reaching back to February 2010--22 months of theft by NUFIC facilitated by its collusion with Wells Fargo Bank. The Bank officers I've spoken to either have or feign no knowledge of their Bank's affiliate, NUFIC. Phone calls from NUFIC or their telemarketers began shortly after arranging overdraft protection with an officer of Well Fargo Bank. I would later be played doctored and blended recordings of these telemarketing conversations in which only selected portions of my conversation are in response to questions asked by the telemarketer. This doctored recording is the claimed authorization for 22 months of payments that supposedly indemnified me against financial losses occurred by unforeseen doctor's appointments. This is important--not only because the policy is itself is absurd but because Well Fargo Bank was responsible for the linkage to its fraudulent affiliate. Wells Fargo Bank also provided the account numbers from which the fraudulent payments were extracted. Whereas, NUFIC will claim a spurious phone authorization, the Bank surreptitiously facilitated their involvement. Overdraft protection from Wells Fargo Bank lead to telephone fraud by NUFIC and fiduciary exploitation by them both. Wells Fargo Bank has said NUFIC'S possession of my authorization (be it doctored or no) is sufficient to deny any claim. I have never seen the policy for which NUFIC extracted 22 payments. NUFIC refuses to provide me with a copy of the said document. Wells Fargo has returned one payment of 24.95 to my account. As others have recorded below and as I will probably soon discover the Bank will claim they are not responsible for any fees beyond the first month that they appear (hence their return of one payment). This claim is, however, null, void, and disallowed if conspiracy and collusion can be shown to be at the heart of the debits in question. A bank's client is not responsible for debits from an active account that has been criminally violated by the financial institution by which it is held--no matter what the duration of the malfeasance in question. I have never authorized the 22 monthly payments that Wells Fargo Bank and National Union Fire Insurance have debited from my Wells Fargo Account. I canceled the "insurance" in question as soon as I became aware of it. It should be noted that NUFIC's policy was invisible. I never received documents of any sort either by regular or email mail. They were identified only by a series of letters and numbers: 2446539NG68DX6N7N WF*NUF HPPINS47502220NovT8005725848IA ...................................................................................................24.95 which suggested a Wells Fargo fee (WF) & a (T) but obscured its true identity as a debit for a ludicrous insurance policy from National Union Fire Insurance Company.These monthly deductions from my Wells Fargo Visa Card Account are equal to a large portion of the principal presently owed to Wells Fargo Bank for expenditures on my credit card. Wells Fargo collects a handsome interest for a debt for which they and their affiliate NUFIC are responsible. The bank's principal and interest is secured by a thousand dollar security deposit of which it is also in possession. Once again: Wells Fargo Bank collects interest on a loan for which it is responsible and which is secured by a deposit for which it pays no interest. I believe that Wells Fargo Bank and its affiliate, NUFIC are guilty of malfeasance. This malfeasance is only possible by a relationship that makes willing use of Wells Fargo Bank's customer accounts. Wells Fargo Bank assures me they are investigating my allegations. I am also assured that their investigation will conclude shortly. I and an ever-growing list of Wells Fargo and NUFIC plaintiffs* have been assured before. We and Another America breathlessly await their verdict.
* The complaints in question have been sent directly to anotheramericaliterary@anotheramerica.org and amassed from numerous public complaint forums. Interested parties need only enter "NUFIC FRAUD" or "Wells Fargo Malfeasance" in their favorite search engine to further and near endlessly extend the testimonies that have been recorded at this website.
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