I was listening to your response to senator tester about the issue of forced arbitration, simple question who knows best. What's in a customer's interest Wells, fargo or your customer, uh. I think that it frequently is the customer and that's. Why and that's why it's very important from my perspective to get it right so that we don't if your customer knows best why do you deny them the ability to go to Why do you require customers that they know best to go to mandatory arbitration centre. We don't do that for all of our products and service. Why do you have what, for some of them. If your customer knows best what would again. I think I think many it's a simple question. If your customer knows best why do you deny them the opportunity court. Why do you require refrigeration because Center most of the independent studies, including the one that was done by the two years ago, indicate, but if it's better them or that it's better for the customer if chairman, if the customer makes the customer Brings the case right right so if a customer decides in his or her best interest for get about studies, we also know what the but the consumer financial protect. What they recommend they recommended that we get rid of forced arbitration. You said to senator tester that you were not applying forced arbitration with respect the fake accounts remember that answer yes, I did are you there's an article here, Monday September eighteenth two thousand 17 just a short time ago in a case in utah uh Wells fargo Lawyers have actually taken the position that the forced arbitration apply to those thinking counter you wear that case. I'm not from over the case Center apologize. Well, let me let me read to you from our reuters accept that they reported this in September eighteenth two thousand 17 says in emotion on Monday, lawyers for Wells fargo said consumers signed agreements to our betrayed disputes when they first open their accounts at the Bank and those agreements also cover other accounts allegedly open without their consent and club that directly contradicts Testimony Center test or does it Center I'll, have I will looking if that head of rotor, I will look into that matter. If that is true, it directly contradicts your testimony to this. To Committee. Doesn't, it Center. I will look into that man, not ask you to look into what I'm asking you to say that's true, doesn't that contradict your testimony to dinner. I'm not familiar with the facts of the situation so I can answer that question, but I'll be happy to look into it and respond to you well, if it's true he'd violates its Country I don't know if you are sworn in today or not, but that violate your your earlier testimony. Let me ask you about your other your other op overdraft fees scandal in that when it comes to over traps, the scandals you're still exercising your rights. Deny customers the right to go to court was you're enforcing the arbitration arbitration is I'm not familiar with the over draft scandal that you're referring to the overdraft fees where you were charging you are not where you are charging customers fees on over drafts. we We will take a counts Center. We we, we. We don't uh. We charge uh customers. These when they are over drew brother account, but I'm not familiar with an overdraft scandal. Uh oh, if it relates to any unauthorized account, that will potentially on authorized accounts. They could have been part of that three point five million to the extent that there was any fees charged we've already verse, those to the customers, so they've been made whole well, parent Here in in a case 11 Circuit court of appeals, your boat will follow up with you, but looks like he's also, I said how about the the practice where you were selling uh auto insurance right to people who didn't ask for their wanted. This is that was a situation I think about 500 Maryland or more actually about 10000 Maryland herbs were affected by that 500 had their cars repossessed was actually the subject to that and pr radio story did you have a chance to hear that radio hey. I didn't Center right, listen, but I didn't hear that I would encourage Too, to do that because one of my constituents, uh came out to go to work. One morning. His name was Michael fight for he's heading out in February to job in Maryland company that builds guitars. He walk to this place rate Park. This car when they're called the police, say, he was living, said he thought someone stole his car turns out. It wasn't a car thief at all. It was well far goes repossess hours. He was Classic pic because insurance was was current um. He went to Wells fargo the folks at the local, local branch, said no, this is not your covered. It took them. The employees of well fargo over two and a half hours just to connect to folks. Another branch in question very simple. If, if it takes the employees are well fargo two and a half was far too and half hours to get in touch with others. It takes individuals having to fight the system by themselves. Don't you understand Why it makes sense for people to be of the band together to file their claims against a big company like yours, rather than have to fight you one by one. Uh his Center. What what I understand is, if we make a mistake, we need to make it right and we got improve our processes were like is to the extend that Mr pfeiffer is not been made whole by us I'd like to speak with him personally to make sure that we're handling the situation to Satisfaction, if we made a mistake, mount was term, I would just point out you said it yourself. You were forming your customers to know about class action settlement so they can be made hold that is the way a lots of people can be hold that hold made whole at once. Mr pfeiffer is like one guy biting Wells fargo um yeah. I find it amazing that you would say your customers come first and then you deny them the choice of how they seek their Compensation, how they seek Justice thinking still, senator perdue. Thank you miss, chairman, thank you for being here. Thank you send me States in which, in many States to well operate today, um in all of them