letters and counting!
Mortgage Rate | 0
Okay, so my home is underwater. Consequently, I cannot refinance to today's best rates. Fucked up, huh? You or me? This motherfucking place is OCCUPIED! Terry Olson 92028
I'm self-employed and was paying over a $1000 a month for private health insurance. Then I was hit by a drunk-driver (who of course had nothing, so I got nothing. My car insurance company, State Farm, defended him to pay me less). When my health insurance company (Prudential) found I had permanent injuries, they canceled me out. Now I don't have and can't get health insurance. I'm too young for Medicare. And you're trying to keep people like me from getting healthcare. I've seen the "let 'em die" videos. Thanks a lot. Francee Levin Columbia, SC 29229
It's time for a rethink in business. Instead of only thinking about profit, try thinking about sustainability i.e. reducing the use of materials especially those that drive climate change, like oil. Think more about your staff and customers and the fact that they deserve a world free from pollution and corruption. Climate change will destroy peoples homes, businesses and lives, so it's in your interest to remove anything that drives it. Act before your customer base is destroyed by extreme weather events. Richard Griffiths Wallington, RI SM6 9FY
environment | 1
stop underwriting the pollution of the planet for your greedy purposes. Your grandchildren will inherit this planet and hopefully there will be a beautiful world to inherit. judy rosenstern Honokaa, HI 96727
Dear John, I would like you to know that I have been a Wells Fargo customer for over 10 years now. In that 10 years, I have had years where I earned over 6 figures and years where I earned barely enough to pass the poverty level. I have banked with you through it all. However, I have noticed that banking fees and requirements on my accounts have become more stringent, expensive, and extensive over the years. The most recent example of this was when I received the notification that to avoid monthly fees that I would need to open another account, since my checking and savings accounts were not enough. This came, seemingly, just after the notification that I needed to have at least 2 accounts to avoid fees. Now, I am hearing that Wells Fargo is experimenting with monthly fees for debit card use. I am so disappointed in this current trend that Wells Fargo increasingly utilizes to take advantage of the people who already do business with you. I hope that you are taking the Occupy Wall Street movements happening around the country and world very seriously. To think that only “slackers”, “pot heads”, and “flash mobs” are participating or that the movement has more to do with general despair due to economic conditions is simply wrong. I strongly support this movement. I am neither a college student nor any of the groups listed above. I am a graduate-school educated, financial industry professional. I, like millions of others in the US alone, am feeling firsthand the erosion of the middle class. Ignore or dismiss this movement if you will, but then, isn’t that what the British did for decades before the American Revolution?
I am retired and unable to work so live on Social Security alone. Am having very hard time making bills. I can't sell my home as housing prices have dropped so much, I won't get much from it. Because of the loss of jobs and therefore the loss of tax revenue for the states, local taxes and fees are rising just about every month making my situation worse. Many people I know are in same or worse situations, grandchildren with astronomical student debt. family members who lost their jobs. This has to do directly with your reckless financial manipulation, while you continue to earn unbelievable bonuses and salaries even when your perform badly. Carol 60516
Dear Barbara! To whom it may concern! The benefits of development are not shared equitably and the gap between rich and poor is widening.Injustice, poverty, ignorance, and violent conflict are widespread and the cause of great suffering.The dominant patterns of production and consumption are causing environmental devastation, the depletion of resources, and a massive extinction of species.We must realize that when basic needs have been met, human development is primarily about being more, not having more.We must join together to bring forth a sustainable global society founded on respect for nature, universal human rights, economic justice, and a culture of peace.Everyone shares responsibility for the present and future well-being of the human family and the larger living world.YOU CAN CHANGE THE WORLD! NamastéHans LakOne Person Can Make A Difference One Earth One Mission: Together we build a brighter future! http://www.facebook.com/OnePersonCanMakeADifference http://www.facebook.com/OneEarthOneMission
End Results | 0
I tend to think a lot about human nature, purpose, and an end goal. So would genuinely like to pick your brain a little to hear what your views on existence are. How does an industry that humans have survived hundreds of thousands of years without, get to the point where they are able to cause so many problems across the world? How is it that a relative few people can have this sort of affect? I know you may feel singled out or demonized and I can understand that you’d feel that way if I were in your shoes. We don’t know each other but I doubt you are some kind of evil mastermind or anything like that. And you have worked extremely hard and made sacrifices to get where you are. What is your ultimate goal? WHat are your dreams for society? Even if it’s some sort of unattainable utopia type fantasy, what would be the ideal world to live in? Where do you see our species and society in 100 years? Do you feel we have strayed from some sort of deep connection with ourselves and a meaningful purpose? How do you view the current global social climate? I am hoping if you are up to this to take this unique experience to have a dialogue and discussion with some random American. I write this with pure intentions and genuine curiosity. Sincerely, Aaron D. 32 Madison, WI
I know $300.00 is nothing to you, but despite my joining the American workforce at the age of 15 while in highschool(and I received my diploma with the rest of my class, no need for applause), $300.00 is still a lot of money in my family. It could mean the difference of weather we eat during any 2 week period. And this is despite the fact that my wife and I both have decent jobs considering the town in which we live. What’s my point? According to your company I have owed WF $300.00 for about 7 years now. I opened my account in 1999 when I was 20 yrs old and I was generally satisfyed with our business relationship. But I continued to notice a decline in the quality at WF over the years. You know when all that overdraft fee racket started becoming a popular business model(don’t pretend you don’t know what I’m talking about). And there would be irregularities and inconstancies with the ‘digital’ accounting of my debit card purchases that would result in unwarremtedcand possibly fraudulent OD fees. When thatvhapened I would point it out to a local branch manager, he would agree, and Promptly fix that ‘misunderstanding’. It wasn’t until sometime in 2004 or 2005 that I came in and was informed that WF had a new policy to no longer correct such errors. And that I had no choice but to pay those fees. I am am honest person who has lived check to check for most of my life, some of my own fault but also shaken down by such shady practices. So no I will never bank with your company ever again. I used to love wells Fargo and be proud to bank there. Peace we are the 99%
Dear David M Carroll, As you may know, there is a lot of concern about the legitimacy of the financial sector, and it’s impact on lower and middle class, which has manifested itself as the Occupy Wall St movement. As an avid supporter, I feel I must write to you and ask you some questions, but not about why you do what you do, whether or not you sleep at night, or what your reaction is to these protests. As I presume you are somewhat of a financial and economic expert, I have some general questions about the sustainability of the economic system as a whole. It is my understanding that for any given product, whether it be consumer level goods or interest rates on a loan, the price of any item or services is based off of supply and demand. If you supply is higher than the demand, you lose money on the excess, and if the supply is lower than the demand, you’re selling your goods for less than their inherent value. It is also my understanding that workers that are supplying the service or creating the goods, are only paid so much that they feel inclined to work, based off of similar supply and demand within the labor force. These principles are set in place in order to insure the maximum profit per goods sold. This, as unethical as it may be, seems to work fine on paper, but what about the larger picture? I believe that there is a disconnect between the power of the worker and the consumer. As a business, one needs consumers in order to create demand, and while there is no reason to value the worker, one business’s worker is another business’s consumer. Therefore, in the cycle in which there is no set percentage between the cost of an item or service, and the actual price to the consumer, there is a very fine balance that must be sustained. If the workers are not getting paid a substantial enough wage, they will not be able to spend money on things that they would otherwise buy. The byproduct of that is that now there is less demand for those products as before, and now the companies of those products must reduce costs. While they decrease the costs of their products, they therefore must decrease the costs of their labor. This results in more worker’s being laid off, which then in turn ultimately decreases the amount of consumers with expendable income. We have reached a tipping point in our society, and we are on this downward trend. As more people lose their jobs, more companies will be forced to cut back their workforce, until the entire economic system shuts down. While you may not believe in having too much money, or the care about your fellow citizens as a whole, I do believe you care about a financial system in which people can still make money off of one another. So please, even if it is purely a fiscal decision, consider taking a new form of action that supports the growth of a new American economy. For one reason or another, people trust you with their money, and I do believe you owe them more than a return on their savings account. Best, Paul Howells
Renewable energy | 0
Stop bankrolling dirty coal. Invest in job-creating solar, wind, and geothermal technologies. No more drilling or fracking. Scotland is going 100% renewable--so are the Maldives. China is burying us with advanced wind and solar technologies and will corner the market. Stop outsourcing jobs to slave labor camps in third world countries. Pay your taxes like the rest of us. Helen Woerner Lyndon, KS 66451
Hi Julie, I am glad to have an opportunity to share something about how Wells Fargo impacted my family. Shortly after my baby was born she got very ill. Insurance did not cover most expenses. I put bills on my credit card. Things spiraled out of control. I had to declare bankruptcy to make a new start (which is going in a positive direction now some years later) but guess what, the private student loan I held with Wells Fargo was non-dischargeable. My co-signer is paying it off. Imagine what a difference it would have made to him and to my new start to have that included in the bankruptcy. Doesn’t seem very fair does it to have one type of debt singled out like that. I hope you will do what you can to speak up for women like me! Thanks! Jodi, mom to two great kids!
We are sadly sending this message to the guys who can help us to keep our home. We recently received a notice of default after many attempts to get a loan modification in our property. I think we deserve a chance to keep our property since we put a 20% down payment in order to buy it, and we had spent a lot of money to fix and improve this property. Because of this Notice of Default we have been forced to hire the services of a Law Firm called Siringoringo, located at Upland, CA. They charged us with a flat fee of $4,000 just to represent us. Chase said that there is no need to hire a lawyer, that we can do it by ourselves, truth is we could not get a loan modification despite all our efforts and despite we always sent all the documents they requested from us and always we received the same answer that they did not received some documents, we keep the proof and fax confirmations of all documents we sent to them. They gave us a Trial Period Plan Payment and even though we sent not only 3 but 6 payments, always on time, they did not gave us the loan modification, even though we have been told we qualify to get it. Our last hope is that this law firm can help us to save our home. Jorge Jorge Estrada-Segundo El Segundo, CA 90245
Business does NOT have to be destructive. We CAN have an economy that is based on honest, transparent, and fair exchanges. It is this kind of economy that can enrich our lives and bring us together as a community. I want to demand that banks commit to financing CLEAN energy projects only; that is to say a complete divestment from non-renewable and hazardous sources such as coal and nuclear. Large dams (such as the Belo Monte Dam Complex in Brazil)) must also be denied funding because such projects destroy important bio-diverse ecosystems that could benefit and advance modern medicine, cause methane emissions by flooding forested areas, and threaten the livelihoods of indigenous peoples that rely on the river and the surrounding ecosystems for SURVIVAL! Banks should use their power to enrich the lives of all people, not destroy entire cultures and threaten innocent communities. Daniel Alper San Francisco, CA 94132
I think it would be "useful" if you were all unemployed for a while and had to live on a weekly unemployment check. Believe me, it's humbling and certainly puts things into perspective. I am over 60 and have been unemployed for more than 2 years, and I am only one of MANY. Come walk a mile in our shoes, and if that doesn't change your behavior, there is no hope for you. Joan Nickum Kansas City, KS 66102
I don't need to tell you my personal story. Enough to remind you that because of you, the exclusive group of "onepercenters", millions and millions of senior citizens who had done everything right to confront old age, not in ermine and diamonds, but only in dignity, are now reduced to cut further down and down and down and choose between food and the medicines we need, We have had to give up the relative peace of mind we could have, wondering how much worse it will be in 6 months, worrying about our jobless sons and daughters with their college and Master's degrees who have not worked for ages, some of them for more than 3 years, and no hpe to find a good job soon. In the meantime, you go from one mansion to the next, take a cruise on your private yachts and your wives and mistresses shop at Cartier and Tiffany while we watch all prices at the super market. A lot of you are not even as bright as some of us. THIS IS WHAT YOU HAVE DONE TO YOUR FELLOW AMERICANS. SHAME ON YOU! Vicky Maestro 10028