mccoy et al v. wells fargo, n.a. et al - 3:17-cv-00360 …...case 3:17-cv-00360-hso-jcg document 1...

Case 3:17-cv-00360-HSO-JCG Document 1 Filed 05/12/17 of 17

b'eaIN THE UNITED STATES DISTRICT COURT

FOR THE SOUTHERN DISTRICT OF MISSISSIPPI MAY 12 2017JACKSON DIVISION

By441 RJO

Wilbert and Esther McCoy, on behalf ofthemselves and all of those similarlysituated

Plaintiffs, Civil Action No. 3 :17- ty-3GO Rst).--s-CC7V.

Wells Fargo, N.A. d/b/a Wells FargoFinancial National Bank; and TheWindow Source, LLC

Defendants.

COMPLMNT

THE PLAINTIFFS, and prospective Class Representatives under Federal Rule of

Civil Procedure 23, Wilbert and Esther McCoy, on behalf of themselves, and all of those

similarly situated, file suit against the above-named Defendants, and plead as follows:

JURY TRIAL DEMANDED

PARTIES

I. The Plaintiffs, Wilbert and Esther McCoy ("the McCoys" or "the Plaintiffs"),

are adult citizens of Hinds County, Mississippi, who are husband and wife. The McCoys

reside at: 562 Woodson Court, Jackson, Mississippi 39206.

2. The first-named Defendant, Wells Fargo, N.A. d/b/a Wells Fargo Financial

National Bank ("Wells Fargo"), is a national banking corporation with its principal office

address located in Sioux Falls, South Dakota. Wells Fargo may be served with process

COMPLAINT Page 1 of 17


through its registered agent with the Mississippi Secretary of State's Office: Corporation

Service Company, 5760 1-55 North, Suite 150, Jackson, Mississippi 39211.

3. The second-named Defendant, The Window Source, LLC ("The Window

Source"), is a Pennsylvania limited liability company that is not registered to conduct

business in either Mississippi Of Arkansas. The Window Source may be served via any

officer or agent authorized to accept service ofprocess (the Pennsylvania Secretary of State's

infomiation on this entity does not list a registered agent for this limited liability company) at

its corporate headquarters, located at: 345 Hospital Road, Gettysburg, Pennsylvania 17325.

JURISDICTION AND VENUE

4. This Court possesses subject matter jurisdiction over the claims made in this

Complain't based upon federal question jurisdiction under The Truth in Lendthg Act

("ULLA"), 15 U.S.C. 5 1601, el, seq,, as amended. Further, federal diversity jurisdiction exists

in this matter, as the Plaintiffs are both citizens of the state of Mississippi, and the

Defendants are citizens of the states of South Dakota and Pennsylvania, respectively.

Complete diversity exists between the patties of this action, and the claims of the Plaintiffs,

not counting the potential claims of the proposed Rule 23 Class, exceed $75, 000.00.

5. This Court possesses personal jurisdiction over each of the Defendants in this

action based upon their substantial and purposeful contacts with Mississippi, the forum

state.

6. Venue for this dispute properly lies with this Court, as this litigation involves

substantial alleged acts or omissions which occurred in Jackson, Hinds County, Mississippi,



located within judicial district of the United States District Court for the Southern District of

Mississippi.

REQUEST FOR CLASS CERTIFICATION UNDER FEDFERAL RULE OFCIVIL PROCEDURE 23

7.. The McCoys, on behalf of those similarly-situated, seek certification as the

class representative for a class action lawsuit, under Rule 23 of the Federal Rules of Civil

Procedure.

8. The class sought to be certified under Rule 23 of the Federal Rules of Civil

Procedure, with the McCoys as the class representatives, is all of those who have been

victiinized by the deceptive, fraudulent, unconscionable, high-pressure, in-home sales,

advertising, financing, and business practices of the Defendants, as it relates to operation of

the business marketed as The Window Source (and for which Wells Fargo provides

exclusive, and deceptive, financing). Presumably, any individual who has bought from, or

otherwise has been financially-injured by, the business practices described in this Complaint

is a potential member of the Rule 23 class sought to be certified in this civil action.

The McCoys, as victims of the deceptive, fraudulent, unconscionable, high-

pressure, in-home sales, advertising, financing, and business practices of the Defendants, as

it relates to operation of the business marketed as The Window Source (and for which Wells

Fargo provides exclusive, and deceptive, financin.g) have been fmancia'lly-injured by the

business practices described in this Complaint.

10. The McCoys, as the prospective class representatives, and the prospective

members of this class, under Federal Rule of Civil Procedure 23, have shared similar injuries,

and have suffered from similar forms of financial injury as a sole and proximate result of the

COMPLAINT P age 3 of 17


deceptive, fraudulent, unconscionable, high-pressure, in-home sales, advertising, financing,

and business practices of the Defendants, as it relates to operation of the business marketed

as The Window Source (and for which Wells Fargo provides exclusive, and deceptive,

financing).

11. Specifically, as relates to the appropriated of this proposed class certification

under Rule 23(13)(2) of the Federal Rules of Civil Procedure, the Defendants have acted

and/or refused to act on grounds generally applicable to the class, making appropriate

declaratory and inHunctive relief with respect to the McCoys, and the class as a whole. The

proposed class members are entitled to inHunctive relief to end the Defendants' common,

uniform, and deceptive trade, sales, advertising, and fmancliig practices.

12. Further, the proposed class is so numerous that joinder would be

impracticable. Although the precise number of members 'of the proposed class is currently

unknown, this number is far greater than can be feasibly addressed through joinder.

13. The class members of the proposed class also share common questions of fact

and law. Among these common questions of fact are law are: (1) whether the Defendants'

policies or practices, as relate to the operation of The Window Source (and Wells Fargo, as

to the financing) are deceptive, unlawful, unconscionable, and fraudulent; (2) whether the

Defendants' policies and practices violate the TILA, 15 U.S.C. 1601 aseq., as amended

(and the corresponding, duly-promulgated federal regulations to enforce this statute); and (3)

whether monetary damages, injunctive relief, and/or other equitable remedies for the class

are warranted.

COMPLAINT— Page 4 of 17


14. The McCoys, the proposed class representatives, have suffered injuries, and

have claims, that are typical of all customers (victims) of the deceptive trade practices of the

Defendants that are described in this Complaint.

15. The McCoys, as the proposed class representatives (the Class Plaintiffs), will

fairly and adequately represent and protect the interests of the members of the class. Further,

the McCoys have retained counsel who will vigorously represent the interests of the

proposed Rule 23 class, as described in this Complaint.

FACTS

16. The Window Source's sales, advertising, and financing (via Wells Fargo)

model is based upon deceptive, fraudulent, unconscionable, high-pressure, in-home sales,

advertising, financing, and business practices. To put in bluntly: the products, the sales

practices, the referral-program, and especially, the financing-scheme devised and perpetuated

by the Defendants is a fraud and a scam.

17. First, The Window Source knowingly, or in a (grossly) negligent manner, and

as a matter of standard and customary practice, misrepresent the alleged savings that its

customers will realize on their monthly utility bills. Although the in-home (and incredibly

and unconscionably high-pressure) sales force ofThe Win'dow Source promises its

prospective customers an immediate savings of "over 50%" on their monthly home electric

bills, no such savings occur.

18. Second, The Window Source knowingly, or in a (grossly) negligent manner,

and as a matter of standard and customary practice, misrepresent the alleged increase in the

appraisal value of the homes of its customers that will be realized following the installation



of The Window Source's products. Although the in-home (and incredibly and

unconscionably high-pressure) sales force of The Window Source promises its prospective

customers an immediate increase in the appraisal value of their homes. Despite these explicit

promises (warranties), reasonably relied upon by the prospective customers of The Window

Source, no such fair-market-value increases, as appraised, occut

19. Third, the price of the products and installation, of said products, offered by

the high-pressure sales force of The Window Source, is a scheme of bait-and-switch. The

actual price of the products offered by The Win'dow Source is not consistent. The sales force

of The Window Source, who often refuses to leave prospecdve customers' homes (despite

these in-home appointments regularly running past 10 P.M.) until the Defendants" salesi

agreement is signed, plays fraudulent games regarding the prices of its products and services.

The sales representatives for The Window Source regularly call their "supervisors" to obtain

special, for-you-only, one-night-only, so-called "special savings." The elaborate design

around this deception and fraud is consistent with the overall business practices of the

Defendants, as it relates to the sales, advertising, and (deceptive, concealed) financing of The

Window Source products, and even the products, themselves.

20. The financing of The Window Source customer-purchases (derived from

unlawful, deceptive, and unconscionably high-pressure sales tactics, with the sales

appointments, themselves, always induced by an elaborate referral-scheme of $50/$50 cash

payments) is deceptive, fraudulent, unlawful, and unconscionable. Specifically, this allegation

refers to the exclusive-financing relationship that exists between The Window Source and

It should be noted that the McCoys, at no point, signed any Wells Fargo Credit Card Agreement inconnection with this transaction.



Wells Fargo, whereby customers are led to believe that they are applying for a traditional,

closed-end loan only for the amount of the ever-shifting price quoted by The Window

Source sales representative. In fact, the Defendants, without any authorization or

agreement from their customers, sign their customers up for what turns out to be a Visa

Home Projects credit card, issued by Wells Fargo.

21. As a standard practice, The Window Source's sales force completes all

paperwork that is executed during these late-night, in-home appointments, and then simply

gets the customers to sign the paperwork that was filled out by The Window Source sales

representative.

22. In fact, the McCoys were never presented, nor did they sign, any Wells Fargo

Credit Card Application. Their Wells Fargo Home Projects credit card is a completely

unauthorized credit card account, fraudulently opened up by the Defendants.

23. This practice, pleaded in the paragraph 21, above, is aimed by the Defendants

at deceiving and /or concealing from the prospective customers of The Window

Source/Wells Fargo: (1) the nature and quality of the actual products they are purchasing; (2)

the many terms and conditions that apply to The Window Source's so-called "100%

Satisfaction Guarantee" program; and (3) the financing terms and the fact that a Visa

Home Projects Program credit card is being applied for without any authorization from

the customers of the transaction. This practice of the Defendants, among constituting

various other torts, breaches of express warranties and implied covenants, and statutory-

violations, is an unlawful violation of the Truth in Lending Act.



24. On May 22, 2015, the McCoys, induced by the unconscionable and sleazy

"$50/S50" Referral Program of The Window Source, allowed a sales representative of that

company to make an in-home demonstration of The Window Source's product(s).

25. During this May 22, 2015, in-home demonstration, The Window

Source/Wells Fargo sales representative: (1) promised (expressly-warranted) the McCoys

that they would, without qualification, realize a savings of "at least 50%" on their monthly

electric bills, from the date that The Window Source products ate first installed; (2) promised

(expressly-warranted) the McCoys that they would, without qualification, realize an

immediate increase in the appraised fair-market-value of their home of at least the cost of

the windows, from the date that The Window Source products are first installed; (3)

promised the McCoys that the financing of their $5,301.85 window purchase would be via a

closed-end loan, financed by The Window Source, and paid in 84 monthly payments of

$106.04; and (4) promised the McCoys, without any quAfication, that if they are "ever less

than 100% satisfied" with The Window Source windows, then they would get a full refund.

26. All of the above promises made to the McCoys' by their The Window Source

sales representative, were not true, and were deceptive and fraudulent. These

misrepresentations were material and they have caused the McCoys financial injuiy.

27. The Invoice and Right to Cancel form, filled out by The Window Source sales

representative, which the McCoys were deceived into signing, is attached, and incorporated

into, this Complaint as Exhibit "1".

28. The Window Source "Order and Loan Option Form" that applies to this

transaction is attached, and hereby incorporated into, this Complaint as Exhibit "2". A few



points should be noted about Ex. 2 to this Complaint: (1) The Window Source is not

registered to do business in the state ofArkansas, despite the representations to the contrary

in Ex. 2; (2) The Window Source's own Web site does not list any locations for that

company, whatsoever, within the state of Arkansas; (3) Ex. 2 states, at the bottom right

corner of this document, that the contract is "Only Valid ifApproved by Officer of The

Window Source" and the officer-approval-line, below, on Ex. 2 has not been signed by

any officer of The Window Source; and (4) the "Loan Option Plan" information contained

on Ex. 2 explicitly states that the McCoy's had agreed to a closed-end loan, at 7.9% APR, to

be paid monthly over 84 months and no reference to any credit card exists in that

document.

29. The highly fraudulent and deceptive "Loan Option Plan" terms contained in

Ex. 2 makes that document the central form that The Window Source and Wells Fargo use

to trick, misrepresent, and deceive their prospective customers as it related to the practices at

issue in this Complaint. Ex. 2, and its "Loan Option Plan" (mis)representations, were used

by the Defendants to deceive, mislead, and defraud the McCoys. The "Loan Option Plan"

infomiation contained in Ex. 2 to this Complaint did not disclose that a Visa Home Projects

Program credit carcl is the actual financing-vehicle for this transaction. The "Loan Option

Plan" language contained in Ex. 2 to this Complaint also fraudulently represented that is

would create a credit-agreement whereby the McCoys would be approved for closed-end

financing of $5,301.85 at a fixed interest rate of 7.9% APR, when it is, in fact, provided by a

Visa Home Projects Program credit card that carries an interest rate of 28.24% APR.



30. The McCoys never signed, nor were they even presented, any Wells Fargo

Credit Card Application during their in-home sales presentation, made by the Defendants.

31. A copy of a Wells Fargo Visa Home Project Credit Card Billing Statement for

the unauthorized Visa/Wells Fargo credit card that ended up being issued to the McCoys,

unbeknownst to them and that shows the 28.24% APR interest rate that applies, is

attached, and incorporated into, this Complaint as Exhibit "3".

32. A collection of The Window Source marketing materials, left with the

McCoys, is attached, and hereby incorporated into, this Complaint as Collective Exhibit "4".

These materials illustrate the high-pressure, unconscionable, deceptive, and just plain sleazy

nature of the sales practices of The Window Source/Wells Fargo, at issue in this lawsuit.

33. The McCoys are not 100% satisfied with the quality, or installation, of their

The Window Source products. For instance, the McCoys refused to sign The Window

Source "Satisfactory Completion and Installation Certificate" that was presented to them by

The Window Source. This unsigned "Satisfactory Completion and Installation Certificate" is

attached, and incorporated into, this Complaint as Exhibit "5".

34. The McCoys have not realized any noticeable savings on their monthly electric

bills, as promised by The Window Source.

35. The McCoys have not reali7ed any increase in the fair-market-value of their

home as a result of the installation of The Window Source windows, as promised by The

Window Source sales representative, David Bradshaw.

36. The McCoys have been deceived, tricked, and defrauded into being signed up,

without their authorization, for a Visa Home Projects Program credit card, as a result of



the wrongful and deceptive acts of the Defendants. To repeat: the McCoys never signed any

Wells Fargo/Visa Credit Card Application or Agreement. They do not know how they got

enrolled into a Wells Fargo Visa Home Projects Credit Card.

37. The Window Source misrepresents and deceives its prospective customers

regarding the so-called state-of-the art, high-tech nature of its windows, which, in reality, are

nothing more than over-priced double-pane windows. This deception occurs for the

purpose of a wrongful pecuniary gain by the Defendants.

38. The McCoys have suffered severe fm.anciq1 damages, including damages

stemming from damage to their credit history, as a result of the wrongful and deceptive acts

committed by the Defendants, as pleaded in this Complaint.

(THIS SPACE INTENTIONALLY LEFT BLANK)



CO TI E LATI F TRUTI-I IN LE DING A T AS AME DED

15 U.S.C. 1601 ET. SEQ.

39. The McCoys incorporate by reference all allegations of all previous paragraphs

and further alleges as follows:

40. The Defendants have committed systemic, continual, repeated, knowing,

intentional, and malicious violations of the Truth in Lending Act, as amended, 15 U.S.C.

1601, et. seg. In particular, the Defendants have engaged in a pattern of deceptive, fraudulent,

unconscionable, high-pressure, in-home sales, advertising, financing, and business practices,

as it relates to operation of the business marketed as The Window Source (and for which

Wells Fargo provides exclusive, unauthorized, and deceptive, financing).

41. The above intentional and wrongful acts have solely and proximately caused

the McCoys severe financial damages.

42. BASED UPON THE ABOVE-PLEADED ALLEGATIONS, the McCoys,

on behalf of themselves and all of those similarly situated, demand that they, as the Class

Representatives, be awarded damages in an amount that shall be proved to finder-of-fact at

trial. However, these pleaded-damages include, but are not limited to: actual damages,

statutory damages, compensatory damages, punitive damages (in an amount not less than

$5,000,000.00), all attorneys' fees, all costs of litigation, expenses, all legal pre and post-

judgment interest, and all other relief that is appropriate under the Truth in Lending Act, or

that the Court finds to be just and equitable under the facts to be proven at trial.

COUNT TWO FRAUD



COMPLAINT —Page 12 of 17



intentional, and malicious misrepresentations ofmaterials facts for the purpose of financial

gain. In particular, the Defendants, have engaged in a pattern of deceptive, fraudulent,


as it relates to operation of the business marketed as The Window Source (and for which

Wells Fargo provides exclusive, and deceptive, financing).

45. The above wrongful acts have solely and proximately caused the McCoys

severe financial damages.





compensatory damages, punitive damages (in an amount not less than $5,000,000.00), all

attorneys' fees, all costs of litigation, expenses, all legal pre and post-judgment interest, and

all other relief that the Court finds to be just and equitable under the facts to be proven at

trial.

COUNT THREE BREACHES OF CONTRACT (EXPRESS WARRANTIES)

47. The McCoys incoiporate by reference all allegations of all previous paragraphs


48. The Defendants have violated the terms of the express promises niade to the

McCoys, and upon which the McCoys reasonably relied, regarding the following: (1) the

quality and performance of The Window Source products; (2) the financing terms and



structure of the transaction at issue in this Complaint; (3) the increase in the fair-market-

value of the McCoys' home, which never occurred; (4) the immediate "over 50%" savings

that the McCoys would enjoy on their monthly electric bills, but which never occurred; and

(3) the no-strings-attached, 100% satisfaction guarantee of The Window Source, which is a

sham.

49. The above violations of express contractual terms have solely and proximately

caused the McCoys severe financial damages.







all other relief that the Court fmds to be just and equitable under the facts to be proven at

trial.

COUNT FOUR BREACHES OF IMPLIED WARRANTIES AND COVENANTS



52. The Defendants have violated the terms ofmany implied warranties and

covenants, especially, but not limited to, the implied covenants of good faith and fair dealing,

that they owed to the McCoys, and upon which the McCoys reasonably relied, regarding the

following: (1) the quality and performance of The Window SoUrCe products; (2) the



financing terms and structure of the transaction at issue in this Complaint; (3) the increase in

the fair-market-value of the McCoys' home, which never occurred; (4) the inunediate "over

50%" savings that the McCoys would enjoy on their monthly electric bills, but which never

occurred; and (5) the no-strings-attached, 100% satisfaction guarantee of The Window

Source, which is a sham.

53. The above violations of the implied covenants of good faith and fair dealing

have solely and proximately Caused the McCoys severe financial damages.







all other relief that the Court fmds to be just and equitable under the facts to be proven at

trial.

COUNT FIVE (GROSS) NEGLIGENCE



56. The Defendants have, in a gross, wanton, reckless, and unconscionable

manner, violated the standard of care that they owed to the McCoys, and upon which the

McCoys reasonably relied, regarding the honest and truthful disclosures related to the

following: (1) the quality and perfonnance of The Window Source products; (2) the



financing terms and stmcture of the transaction at issue in this Complaint; (3) the increase in

the fair-market-value of the McCoys' home, which never occurred; (4) the immediate "over

50%" savings that the McCoys would enjoy on their monthly electric bills, but which never

occurred; and (5) the no-strings-attached, 100% satisfaction guarantee of The Window

Source, which is a sham.

57. The above (gross and wanton) violations of the standard of care owed by the

Defendants to the McCoys, and the class(es) they seek to represent under F.R.C.P. 23, have

solely and proximately caused the McCoys severe financial damages.




trial. I Iowever, these pleaded-damages include, but are not limited to: actual damages,



all other relief that the Court finds to be just and equitable under the facts to be proven at

trial.

COUNT SIX VIOLATIONS OF THE MISSISSIPPI CONSUMERPROTECTION ACT, MISS. CODE 75-24-1 ET. SEQ.

59. The McCoys incoiporate by reference all allegations of all previous paragraphs



intentional, and malicious misrepresentations of materials facts for the purpose of financial

gain. In particular, the Defendants have engaged in a pattern of deceptive, fraudulent,




as it relates to operation of the business marketed as The Window SOlirCe (and for which

Wells Fargo provides exclusive, and deceptive, financing).

61. The above wrongful acts have solely and proximately caused the McCoys

severe financial damages. These wrongful acts also constitute violations of the Mississippi

Consumer Protection Act, Miss. Code 75-24-1 et seq.

62. BASED UPON THE ABOVE-PLEADED FACTS, the McCoys demand

that they be awarded damages in an amount that shall be proved to finder-of-fact at trial.

However, these pleaded-damages include, but are not limited to: actual damages,

compensatory damages, statutory damages, punitive damages, all attorneys' fees, all costs of

litigation, expenses, all legal pre-and-post-judgment interest, and all other relief that the

Court finds to be just and equitable under the facts to be proven at trial.

THIS, the 12th day of May, 2017.

WILBERT and ESTHER

McCOY, on behalf of themselvesand all of those similarly situated

By: -41

Macy D. anson

Attorney for the Plaintiffs

MACY D. HANSON MS BAR 104197

macygmaryhanson.comTHE LAW OFFICE OF MACY D. HANSON, PLLCTHE ECHELON CENTER102 FIRST CHOICE DRIVE

MADISON, MISSISSIPPI 39110TELEPHONE: (601) 853-9521FACSIMILE: (601) 853-9327


CONTRACT

FOR OFFICE USE ONLY

I I I f I

Foreign Country

FORFEITURE/PENALTY BANKRUPTCY: 'OTHER:STATUTES

C".

Case 3:17-cv-00360-HSO-JCG Document 1-1 Filed 05/12/17 Page 1 of 1

LS 44 (Rev. 08/16) CIVIL COVER SHEET 3 I „?ift t) 44SOThe JS 44 civil cover sheet and the information contained herein neither replace nor supplement the filing and service ofpleadirw or other papers as required by law, except as

provided by local rules ofcourt. This form, approved by the Judicial Conference of the United States in September 1974, is required for the use of the Clerk of Court for thepurpose of initiating the civil docket sheet. (SEE INSTRUCTIONS ON NEXT PAGE 017 THiS CORR)

L (a) PLAINTIFFS DEFENDANTSWells Fargo, N.A., d/b/a Wells Fargo Financial National Bank; and Th

Wilbert and Esther McCoy, on behalf of themselves and all of those Window Source, LLCsimilarly situated

(b) County of Residence of First Listed Plaintiff Hins,.i County of Residence ofFirst Listed Defendant Minnehana (SD)(EXCEPTIN US. PLATATIFF CASES P I (7N U.& PLAINTrUF (ASES ONLY)

L. I 01-1: IN LAND CONDEMNATION CASES, USE THE LOCATION OFTHE TRACT OF LAND INVOI,VED,

(c) Attorneys (Firm Name, Address, and Telephone Number) MAY 12 201• Atte eys (11Known)Macy Hanson; The Law Office of Macy D. Hanso, P LC a a Stone102 First Choice Drive AfIritift JO:

A

apt He. WalkerMadison, MS 39110; 601-853-9521 BY on MS

II. BASIS OF JURISDICTION (Place an "X" in One Box Only) III. CITIZENSHIP OF PRINCIPAL PARTIES (Place ah "X" in One Boxfor Plaintiff(For Diversity Cases Only) and One Boxpr Defendant)

O I U.S. Government N 3 Federal Question PTF DER PIT DEF

Plaintiff (U.S. Government Not a Party) Citizen of This State 0 1 0 I Incorporated or Principal Place 0 4 0 4of Business In This State

0 2 U.S. Government 0 4 Diveesity Citizen of Another State 0 2 0 2 Incorporated and Principal Place 0 5 0 5Defendant (Indicate Citizenship qfParties in Item IH) ofBusiness In Another State

Citizen or Subject of a 0 3 CI 3 Foreign Nations 0 6 0 6

IV. NATURE OF SUIT (Place an `'.X"" ims One Box Only) Click here for: Nalure ol'Suml Code Drserihilous.

O 110 Insurance PERSONAL INJURY PERSONAL INHIRY 0 625 Drug Related Seizure 0 422 Appeal 28 USC 158 0 375 False Claims ActO 120 Marine 0 310 Airplane 0 365 Personal Injury of Property 21 USC 881 0 423 Withdrawal 0 376 Qui Tam (31 USCO 130 Miller Act 0 315 Airplane Product Product Liability 0 690 Other 28 USC 157 3729(a))O 140 Negotiable Instrument Liability 0 367 Health Care/ 0 400 State ReapportionmentO 150 Recovery of Overpayment 0 320 Assault, Libel & Pharmaceutical PROPERTY RIGHTS t.O 0 410 Antitrust

& Enforcement ofjudgment Slander Personal Injury, 0 820 Copyrights CI 430 Banks and BankingO 151 Medicare Act 0 330 Federal Employers' Product Liability 0 830 Patent 0 450 CommerceO 152 Recovery ofDefaulted Liability 0 368 Asbestos Personal 0 840 Trademark 0 460 Deportation

Student Loans 0 340 Marine Injusy Product 0 470 Racketeer Influenced and

(Excludes Veterans) 0 345 Marine Product Liability LABOR SOCIAL SECURITY Corrupt OrganizationsO 153 Recovery of Overpayment Liability PERSONAL PROPERTY CI 710 Fair Labor Standat ds 0 861 MA (1395ff) 0 480 Consumer Credit

ofVeteran's Benefits 0 350 Motor Vehicle CI 370 Other Fraud Act ci 862 Black Lung (923) 0 490 Cable/Sat TVCI 160 Stockholders' Suits ei 355 Motor Vehicle N 371 Truth in Lending 0 720 Labor/Management 0 863 DIWC/D1WW (405(g)) CI 850 Securities/Commodities/CI 190 Other Contract Product Liability CI 380 Other Personal Relations 0 864 SSLD Title XVI ExchangeCI 195 Contract Product Liability 0 360 Other Personal Property Damage 7 740 Railway Labor Act 0 865 RSI (405(g)) 0 890 Other Statutory ActionsCI 196 Franchise Injury CI 385 Property Damage n 751 Family and Medical 1 891 Agricultural Acts

0 362 Personal Injury Product Liability Leave Act 0 893 Environmental MattersMedical Malpractice 0 790 Other Labor Litigation 0 895 Freedom of Information

I REAL PROPERTY CIVIL RIGHTS PRISONERPETITIONS LI 791 E:mployee Retirement Hf:FRDERA.L.i'A1I'ti ActCI 210 Land Condemnation 0 440 Other Civil Rights Habeas Corpus: Income Security Act n 870 Taxes (U,S, Plaintiff 1 896 Arbitration0 220 Foreclosure 0 441 Voting 0 463 Alien Detainee or Defendant) 0 899 Administrative Procedure0 230 Rent Lease & Ejectment 0 442 Employment 0 510 Motions to Vacate 0 871 IRS—Third Party Act/Review or Appeal of0 240 Torts to Land 0 443 Housing/ Sentence 26 USC 7609 Agency DecisionCP 245 Tort Product Liability Accommodations 0 530 General CI 950 Constitutionality ofCI 290 All Other Real Property 0 445 Amer. w/Disabilities CI 535 Death Penalty IMMIGRATION State Statutes

Employment Other: 0 462 Naturalization Application0 446 Amer. w,Disabilities 0 540 Mandamus & Other 0 465 Other Immigration

Other 0 550 Civil Rights ActionsCI 448 Education CI 555 Prison Condition

0 560 Civil DetaineeConditions ofConfl nement

V. ORIGIN (Mare an "X" in One Box Only)171( 1 Original n 2 Removed from 1 3 Remanded from 0 4 Reinstated or in 5 Transferred from CI 6 Multidistrict 0 8 Multidisuict

Proceeding State Court Appellate Court Reopened Another District Litigation Litigation(specV.0 Transfer Direct File

Cite the U.S. Civil Statute under which you are filing. (Dek itet eitejurisdktimal Avesta tutlevs diversity):15 U.S.C. Section 1601 et seq. (The Truth in Lending Act)

VI. CAUSE OF ACTION Brief description of cause:

Unauthorized credit card accounts and other financial deceptions by Wells Fargo and The Window Source.

VII. REQUESTED IN 2 CHECK_ IF THIS IS A CLASS ACTION DEMAND CBECK YES only if demanded in complaint:COMPLAINT: UNDER RULE 23, 11.R.Cv.P. 5, 000, 000.00 JURY DEMAND: X Yes 0 No

VIII. RELATED CASE(S)IF ANY (See instructions):

TuDGE Daniel Jordan Ill DOCKET NUMBER 3:16-cv-596-DPJ-FKB

(1-/2;%------'25:em7%.05/12/2017SIGNATURE OF ATTORNEY OF RECORD 2DATE

RECEIPT 4 AMOUNT APPLYING IFP JUDGE MAG. JUDGE

ii—.31i61-43011 49 S3

11 IIII1N*11111 tiOJ Pill101 Milicreek Road. Hot Springs, AR 71901. (501) 760-1600 'Toil Free 1 (855) 988-7263. Fax (501) 762-0387

This agreement is hereby entefed into by and between THE WINDOW SOURCE of Hot 5prings, Arkansas, hereinafter known as THE CONTRACTOR, and

Mr. and Mrs I k_.../ I I .It 1 k, I I, ti I.

hereinafter known as THE OWNER(5).Name Of Proper-ty 9wner

Home Phone;.. i Mobile Phone

THE CONTRACTOR agrees to furnish labor and material for the Improvement of property owned by THE OWNER(S), located at the following

address:STREET H,. k 1 1' 1 TOWN .:)1._A

1-STATE ZIP .711 v:3

and THE OWNER(S) agree to buy and pay for labor and materials so furnished, as set forth hereafterWINDOW ORDER

Storm Doors StyleWINDOW sTyLE,prde 0 e-i (C1RCLE_ONE) 4

MAIM --Ctd-clt Patio Doors Color,

11-7E mow 1. 'i; cr wilrre (TAN, r BRONZE Center Hbage Patio Doors Size

IMININI 1 t .--sa-REENS French Patio Doors -Size—a'1 Milli

1 FULL HALF Entry Doors Style(s)Ptah Tor) Coi Full Col other ARGON GAS Pairs Shutters Color,

:YES NO

WINDCW MODELS (Circle) s-. Other Work (Explain)

ofwindows-4,1- ofWindows..„..-7.6000 series,EStar- 9000 series Extreme Estar Tnple Pane FRorr a,..it.w.INDow,

'IDtber ..Y.--NO---------,'N'ii',

Square Ft Cellulose Attic Insulation

jAT1 t 1 SIDINGORDER.Siding Matedab. Brand Color Style, FoaM Insulation Yes No

Cover Soffit & Fascia Yes "No Color ofCorners. Color,

Fasda Color Freeze Boa rd Color OTHER WORK EXPLAIN.Cap Trim Yes No Color ft Windows Doors

Cover Porch or Carport Ceilings Yes No ColorCover Beams Yes No ColorGable Vents Yes No Style:Cover with Soffit Octagon Round Ohter

Replace Wood Fascia Board Yes No Approx.# Feet.

Replace Rotten Lumber ExplainShutters Yes. No Pairs _Color StyleSeamless Gutters Total Feet Down Spouts Color

The work will be completed in a good and workmanlike manner for the CASH PRICE of I--) 7 :-.2)'). If payment is not made in cash on Completion of the work,

THE OWNER(S) agree tO execute a negotiable promissory note in favor of THE CONTRACTOR for the amount entered under Item S, listed below due hereunder.The acceptance

ofTHE OWNER(S) promissory note byTHE CONTRACTOR is contingent Upon the ability ofTHE CONTRACTOR to discount said note for a sum equal to the amount of the up paidbalance ofthe CASH PRICE.Finance charges start on the date ofthe note ALL PROMOTIONS ARE,INCLUDED IN THIS PRICE'Int'L-22:j

1. Cash Price ofOrder. -1. 6. Total of all Payments (Nate)

2. Sales Tax ll t 7. Amount to be Financed (Item 5).3. Total Cost of Cash Order 8. FINANCE CHARGES

4., To be Paid in Cash on Completion........,. 9. ANNUAL PERCENTAGE RATE

5. Amount to lae Financed 10. Total Charges(4+8).,.,..

The promiSsory note shall be payable in, consecutive monthly installments of i. each (except the final Installment, which shall be the amount necessary to

complete payment of said note).The customer agrees to sign a completion certificate after the above listed specifications have been cornpleted and to sign any and all documentsas required by THE

CONTRACTOR or the lending Institution:This order must have been approved by an officer of THEWINDOW SOURCE before h becomes binding on THE CONTRACTOR. THE CONTRACTOR shall not be

responsible far damages or delays resulting from causes beyond his reasonable control. All unused materials shall remain the property Of THE CONTRACTOR. In the event of breach of this contract by

ME OWNER(S) before the commencement of the work,THE OWNER(S) agree to payTHE CONTRACTOR as liquidated damages a sum equal to 30% of the CASH PRICEset forth above.THIS CONTRACT 15

NOT SUBJECTTO CANCELLATION AFTER THE COMMENCEMENT OFWORK.....

NOTICE: ANY HOLDER OP THIS CONSUMER CREDIT CONTRACT IS SURJECTTO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULDASSERT AGAINSTTHE SELLER OF GOODS OR SERVICES OBTAlNED

PUFtSUANT HERETO OR WITHTHE PROCEEDS HEREOF, RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BYTHE DEBTOR HEREUNDER,

NOTICE TO THE OWNER(5): (1) DONOT SIGN THIS CONTRACT BEFOREYOU READ IT OR IF IT CONTAINS ANY BLANKSPACES, (2) YOU ARE ENTITLEDTO AN EXACT COPY OF THE CONTRACTYOU SIGN. (3)

UNDER THE LAW YOU HAVEME RIGHTTo PAY OFF IN ADVANCETHE FULL AMOUNT DUE AND UNDER CERTAIN CIRCUMSTANCESIO OBTAIN A PARTIAL REFUND OFTHE FINANCECHARGE (4)THISWRIT-

TEN AGREEMENT CONTAINS THE ENTIRE CONTRACTBETWEENTHE PARTIES HERETO.(5)THE OWNER(S) ACKNOWLEDGE RECEIPT OF A FULLY COMPLETED COPY OF THIS CONTRACTSIGNED BY BOTHTHE

OWNER(S) AND THE CONTRACTOR. (6) THIS CONTRACT IS NOT SUBJECT TO CANCELLATION AFTER THE COMMENCEMENT OF WORK, EXCEPT IN ACCORDANCE WITH ME RESCISSION NOTE EXECUTED

CONTEMPORANEOUSLY HEREWITH..SHOULD ANY LEGAL ACITON ACCRUE TO 71-IE PARTIES HEREIRCLISTOMER AGREESTHAT THE PROPER VENUE FOR SUCH LEGAL ACTIONS SHALL RE IN TI-IECOUNTY OF GARLAND;STATE OF ARKANSAS,

THE WINDOW SOURCE (CONTRACTOR)"You.the buyer, may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction. See the accompanying notice of

cancellation form for an explanation of this right:"Additional Terms:The Companyplans to provide labor and materials to complete the above work for the amount shown, AND IN ACCORDANCE WITH AND SUBJECTTO THE ADDITIONAL

TERMS, CONDITIONS AND EXCLUSIONS ON THE 011-IER SIDE -.1-' -1-

IT- rporated in fullhereint,

By Rep. ;P:',,,-4-54-34..', 7, ..14,,7<, 4,,,,.'-tttt'ra::flk;XOJBITASt;N''J Owner ---7-----'',I Co-Owner 1 1Officer x

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j-- -7.- '-'f .ti;fied ensii,inei.,5, at 7W1e indSow ourve -iyhere Ar-ner:ca shopslb-r 14'1-ndol:I's and doors.'growingjami.y q6`a..,Cali for a Free Estimate.

8,2The Window Source ofArkansa

Locally Owned 6Operatod,eerVthed ct temnies hebt'eenPrinang,The rndowS'oPi'ul"C.?.'eSe'S‘

_2013righnitoeuji'fia;:agoieip,SMouirei; LLC --Ill Ri-ght-c Re-s:el:'-ed-andpublication oj litef.'''''

t1::.)

i

THE WINDOW SOURCE° ti ill .4fECEST PRICE)

Where America Shops for Windows and Doors "The easy way to purchase WVwindows foryour horne.".

Case 3:17-cv-00360-HSO-JCG Drur53-5 9I185(12ngc sate 4 of 13

$501$50 Customer Appreciation Referral ProgramMaking sure our customers are satis-vcp706fled is our #1 priority! The Windo4q, 4dSource knows that a successful com- .cp.f,(YNa. leo

pany takes care of its customer ii-31Aseir\ck< r,during the sale and installation, a.

t

also for the rest of their lives. We real-ize that 75% of our business comesfrom our customers, and without youthere is no company. That's why, fromthe day you purchase your windows, i,,,, 4.,every qualified referral that you send to T ti. -7;ir-

us which views our in-home demon-t„o_,

4

stration will recieve $50.00 CASH! Not i

only that, we will send YOU $50.00! r

(NO PURCHASE NECESSARY.)

ReferralNameStreet Address

Tel.city State ZipYour Name TA'

a .i.m.

Referral NameStreet Address

Tel.

City State ZipYour Name Tel.

Referral NameStreet Address

Tel.

City State ZipYour Name Tel

Grants the wishes of children with

life-threateningmedical conditions to enrich

the human experience with hope,strength and joy!

Where America Shops for Windows and Doors

The Window Source donates proceeds.from the aluminttm to the Make-A-Wish Foundation.It is our goal to provide $50, 000.00 this yean With your help, and the donation from your

windows, we can make this happen!!!

7 rs.• nil...Jan Llert 1r•t-l• rlt-srsi Irrw-srs+ 'I C Cilt-sr1 nail OM 7 C), C t-rf 'I '3

ti Kt./Lim ill 0

21111A

4

4

gran e., more Ian -11

7., r.:17-'..

4,400 wishes since

1986.-__,1.

_el- '4-iiiipprt-,

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MTINDOW SOIJR(, r AtI"'"IkAmLik-[BEST PRICE

Where America Shops for Windows and Doors "Th he easy way purc ase

windows foryour horne."

1.:1101 Loya1 Customer Testimonials t.:

fr.

..4

1 l';:.1. .4„,„gii. .BEFORE.., AFTER...

k, 4 ?...."';:7:1..i Al l personnel were polite, professional,

l''Fi' ''"Vi 7'7

.:5'17.11'-Ll'*- 1111 nd did an excellent jbb on installation,atioli.:.:1::.t'..-r4r, r_ -'7'

I cj.,1 il. -Floyd Ray Brent..1 5111

I1 -I.. F•

E.i...'

:4. t„,,,‘I it c.._,L...- .._-'-'t-i. ..T.;„,,,,, -'.•'-..%s

t;tilFs.-., '1,

1 •''Very courteOus, hard. working men,. r!...t.44, ;ii,,,, ...1, #17..i„.„.., t1.i-.4), --...1‘.....,,,,,.

-.A They .arrived on time•and stayed late.to "'i, :r-7, ri1....J-,, ..4., -a-4,

ir:. ...Make. sure everything. was well done. .......;_i, ....-fr-s-:,

'i• --r --1 .1 appreciated Keith's positive attitude., 1‘...---1- --."''.4 I

1 also appreciated that they answered 1 i I '...t. 1 i-----1I iI 'our questions and .concerns.with patience:, -1; 1

:k. Thanks!"-.1. N....-;:, „.1:.. ti.:RA ii. .1 1

Mary F. Erickson. i. .;.!..2:-:-INFT, -.:?zli

1 1,1 ''g, 1 t,3.

I

BEFORE.. AFTER.

77, --.--r. :'.1.•::.:!....

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1.i. "It was very cold, but they worked very hard and installed everything in a

4 r----3..timely fashion, I would recommend them to anyone. They cleaned Up as well!" ii_.-L--*.

i Virginia MacGregorI


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SATISFACTORY COMPLETION AND INSTALLATION CER'IlFICATE

WARNING TO BUYER DO NOT SIGN THIS CERTIFICATE UNTIL ALL SERVICES HAVE BEENSATISFACTORILY PERFORMED,AND MATERIALS SUPPLIED OR GOODS RECEIVED.

I/we hereby certify that all goods and services sold to me/us by The Window Source (Dealer) have been completed andinstalled/delivered to my/our satisfaction, I/we also acknowledge that no special arrangements, either oral or written, exist between me/us nod Dealer and thatany equipment has not been provided to us on a trial basis,

I/we acknowledge that a credit sales agreement dated 5/22/15 evidences our indebtedness and that if we had the right to cancel thisagreement without penalty, after receiving notice from Dealer of our right to do so, we did not exercise that right on the date of this certificate (for homesolicitation sales only,

installationinelivery Address:

NOTICE TO BUYER. Do not sign this completion cerlificate or any agreement stating thatyou are satisfied with the entire pbefore this project is complete. Home repair contractors are prohibited by law from requesting or accepting a certificate ofsigned by the owner prior to the actual completion of the work to be performed under the home repair contact

Buyer Signature

Date Co-Buyer Sighature

DEALER ACKNOWLEDGEMENTDealer hereby represents and certifies to any assignee of sald agreement that:

A. All the goods and services provided for in the above described credit sales agreement have been delivered and performed in a workmanlike manner and in accordance with theterms of said agreement,B. All debts for labor, material, license fees, permits, inspection fees and other bills pertaining to said agreement have been or will be within 30 days paid in full. All liens or claims or

rights of lien arising out of the credit sales agreement have been waived and released end there Is no outstanding Indebtedness which might result In a lien on the 'propertyimproved" as a result of saki agreement other than the agreement and real estate mortgage, If any, executed by the Buyers.

Dealer Rep. Signature Date 5122/15

CERTIFICADO DE TERMINACION E INSTALACION A SATISFACION

ADVERTENCIA PARA EL COMPRADOR NO FIRME ESTE CERTIFICADO HASTA QUE TODOS LOSSERVICIOS HAYAN SIDO REALIZADOS SATISFACTORIAMENTE ASI COMO EL ABASTECIMIENTO DE

MATERIALES 0 HABER RECIBIDO LOS DIENES Y ENCONTRARLOS EN CONDICIONES SATISFACTORIAS.Cenificokortificamos que todos los bienes y to servicios meMos fueron vendidos por (Vendedor) hansido cornpletados, instalados y entregados a mi entera satisfaccien, Tarnbien, reconozco/reconocemos que no existo ningtki arreglo oral o escrito entremi/nosotros y el Vendedor, y que al equipo ha sido comprado par nosotros y no se nos a proveido para el perlodo de "prueba",

Reconozco/Reconocemos que un acuerdo de yenta de credito fechado Odencia de que estamos andeudados y sitenfamos el derecho de canceler el acuerdo sin penaliclad, después de haber recibido noticia del vendedor de nuestro derecho pare hacerlo,nosotros no ejercimos ese derecho en la fecha de este certificado (solamente pare ofrecimiento de yentas a domicilio).

Dirrecien donde se instatii o se entege los bienes 0 servicios,

AVISO PARA EL COIVPRA DOR. No firma este certificado de realizackin o cualguier OiTO acuerdo diclendo gue usted este satisfechocon el proyecto entero antes de qua este proyecto sea cumplido. L os contratantes de reparaciOn de casas tienen prohibiclo por la leyde pedir a aceptar un certificado de realizaciOn firmado por el dumb antes de que la realizaciOn actual del trabajo haya side cumplidobajo el contato de reparaciOn de cases.

Firma de Comprador

FECHA Firma de Co-Comprador

RECONOCIMIENTO DE VENDEDORPer al presente y bajo firma represents y certifica a cuaiquier cesienario de dicho acuerdo que:A. Todos los bienes y serviclos proveldos del acuerdo de yenta de credlto y arta descritos han sido realizados y entregados de la mejor manera y en conformidad con lostermini:is de dicho acuerdo,B, Tories las deudas per trabajo, material, honoraries de licencla, perrnisos, henoraries de Inspeccien y otras monies pertenecientes a cliche acuerdo han side e debere ser pagadoet total dentro de 30 des. Todos las nexos, demandas o derechos de gravamen originados del acuerde de yenta de erectile hen Ala renunciados y Ilberados y no habre una deudapendlente de page de la cual puede medlar un embargo en el lyiejorarnlento de Propledad" como consecuencia de dicho acuerdo y solo el acuerdo y la hipoteca del inmueble, siexiste, ejeculado por los compradores.Firma de Vendedor Fecha

For Use In All States COPY 1 (White)—Original COPY 2 (1-**wi;fqitri*.4-ff',:S4c)--Buyer Copy COPY 4 (Gold)—Buyer Copy Rev, 4-1-12 LCC-GN

ClassAction.orgThis complaint is part of ClassAction.org's searchable class action lawsuit database and can be found in this post: Wells Fargo-Financed Window Company Hit with Scathing Fraud Class Action

https://www.classaction.org/news/wells-fargo-financed-window-company-hit-with-scathing-fraud-class-action

mccoy et al v. wells fargo, n.a. et al - 3:17-cv-00360 …...case 3:17-cv-00360-hso-jcg document 1...

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