letters and counting!
Dear Dearest Userers, You could learn something from the neo-Aristotelians - they upheld a moral economy! Salve! Gerald Malynes and Obadiah Walker
Your time is up. | 0
Today in Atlanta and Oakland we saw the movement evicted. It came back, and with the twice the people. Surely everyone one of you are headed for hiding with all the corruption among your friends and at your workplace.
Due to the illegal manipulation of deposit/debit sequences by your bank, during a time of severe economic hardship, my wife and I were unable to purchase food for two weeks. I often did not eat so that my daughter could eat. Your bank stole our paychecks. I'm sure you have no trouble sleeping at night because only a sociopath would hold your position.
Hello Mr. Quigley! I am a 15 year old boy living in Fairbanks, Alaska. Recently, with the stagnant economy that is present even this far away, my mother was forced to move across the entire country to Texas simply to find a job, being unable to do so here. This was a last resort effort, as my mother is very hardworking and PHD qualified professor, but despite this my family sinking into debt trying to somehow balance our mortgage, bills, and bare necessities to live. Now my mother is indefinitely living on the other side of the country, tearing our family life apart. I don't know that she'll be able to be there when I graduate from high school. I find it funny that while we, and so many other families are barely scraping by, the executives of corporations and banks such as yourself are making many times the salary of normal people. I'm sure that you studied for many years, and worked very hard to become as successful as you have, however my parents have as well. I don't understand why they can't be as successful as you are. I just hope that when you have your board meetings and do work for Wells Fargo, you're thinking about the less fortunate people that your bank provides loans to. These are hard working people as well, and many of them are barely able to make ends meet, if at all. I hope that you're thinking about us, because we're thinking about you. :)
Hello Master, | 0
Hope you get better soon. (I know that yr illness is beyond redemption though).
Hello, I am a 38-year-old teacher. About 10 years ago I decided to follow my dream of living in Europe. While I was in London I met and fell in love with my British partner. I ended up moving to London from Chicago with $300 in my checking account. (Can you imagine even staying in a hotel room that cost so little? Let alone moving to another country with that amount!) I had found a job in London but the pay was abysmal - I think I was clearing just over $1500 a month after taxes and I'm not sure if you've noticed but London is pretty expensive. Pretty much every month I was broke at the end of the month and I have some vivid memories of walking on the streets of central London crying because I didn't know what to do. I couldn't leave my job because my work permit was tied to it. I tried but no other employer wanted to pay for another work permit. I didn't want to leave the man I loved. I couldn't really ask my parents for money, what with the exchange rate and all. £100 was $150 or even $200 for them. I'm sure it would be easy enough for you to send multiple times that amount to your daughter but that wasn't the case with my parents. Anyway I don't know how I would have survived without my boyfriend helping me out a little bit. But I didn't want him or my parents to know what a struggle it was for me to stay in London. So I started going into debt - first with an overdraft (line of credit from the bank) that got bigger and bigger, then with a credit card, then another credit card, then a third credit card - I should add that lest you think I was off on major shopping sprees and jetting to Mustique the reality was far from that. Most of the money I put on my credit cards went to things like groceries and transportation to and from work. This was one in the mid 00s when everyone was giving out credit to people like me. I'm sure you remember the good times - you were making a lot of money back then from people like me! (Oh wait. You're making MORE now!) Anyway I ended up about £19000 in debt. Which, at the time was nearly $40,000. I know I know - great news to guys like you. You make a lot of money off people like me, what with the late fees and interest and compounded interest and the like. In 2006 I faced up to my debst, told my boyfriend about it (I'd kept it hidden from him), cut up all my cards, read up on the law and began negotiating with creditors. I went "liquid" as I think you guys say - pretty much straight cash for everything - and drew up a realistic budget. Today I have mostly paid off my debts. I lay the blame for getting into so much debt pretty much at my feet. Nobody made me apply for those credit cards. Nobody made me move to London. Yet I am also angry at guys like you for several reasons. It seems so greedy and irresponsible for those working in the banking industry to have allowed me to get so much credit in the first place. I would have appreciated someone in your industry helping me instead of seeing me as an easy target. And second I am angry that absolutely no one was there to bail me out but we all had to bail you guys out whether we wanted to or not - and YOU are the guys who are the 'masters of the universe,' the free market experts, the guys who understood the risks you were taking so much better than I did. I had to find my own solution, make my own budget and work hard to pay down my debts. The amount of money I owed is probably less than the balance of your checking account. But while I was left on my own, you got a great interest free loan from the government. I don't know how much time you spend with the 99 percenters. But surely you can see that this situation is not right? Your bank was in the news recently for allowing a customer to be arrested for attempting close their account with you. Wouldn't it be great to be in the news for helping run a bank 'with a conscience'? I believe it's possible. By the way I'm in an OK place at the moment. My partner forgave me for keeping my debt secret (in fact, we're engaged!) and I now have a job that pays a good wage. I even have savings! They're probably not much to you but I'm glad to have them. I have realized that things work better when I stick to an honest budget and don't get in over my head on credit deals. Sounds like a plan, huh?
am suing chase bank in state supreme court and wanted to say hi and how upset I am by how you all .. | 0
as a chase customer, the treatment by chase was criminal and on top of that sooooo RUDE! wow - see you in court.
My father committed suicide when he was evicted by Bank of America. Thanks
Hello. My name is Allie. I would like to share my story with you. I am asking nothing in return. I hope you will be willing to read it. I'm a recent college graduate with a degree in theater and music. I feel blessed that my education was worthwhile to me on a very personal level - it taught me a lot about myself and who I want to be in the world. It taught me important things about my art. When I was only 5 years old I decided to be an actress. It was a stubborn, ignorant decision (I also proclaimed I would go to Yale, since my mother told me it was the "best" school). Well, 15 years later, I fell in love with directing. I want to create theater. I want to bring work into this world that moves people, changes their perspectives. I want to write play upon play. I want to adapt the stories from our youths, from our history, into meaningful stories about our current state. And our current state is beginning to scare me. I know you cannot mean to harm people. I want you to know that even though the 99% is angry, is upset, this is not a movement of hate. There is not "class warfare" going on here. We do not ask the wealthy to give up their basic rights. What we want is to feel like we are looked out for, that our rights are part of this equation again. You may not know the current state of the arts in this country. As an unemployed artist, I can tell you it is depressing. I have done internships with theatre organizations in New York and California. I know that there isn't enough money to go around. I am involved here in California with the ACME Theater Company, a company that provides unique leadership opportunities for teenagers in my town. We may not be able to fund a children's program that has existed for years, in which teenagers had the opportunity to teach younger students about theater - an opportunity to share their passions. In New York, theatre companies (big ones) were closing by the scores. Here in Sacramento, people are down-sizing, moving to smaller buildings. When people have less money, they're less likely to donate to the arts - and arts organizations have little-to-no government funding at this point, so without donations, they're toast. I am not asking anything of you. I don't think you personally even could fix it. As a woman in this society, I know that having a role of power can be damaging personally as well. But I want you to listen to me and know mine is the voice of countless others. I have 25,000 dollars in debt that I can't pay off. I may never be able to create the theatre I want to bring into this world because I don't have any money, and there isn't any money to go around. I want a better world, if not for myself, then at least for the generation to come. And that's my story. If you were willing, I'd be happy to hear yours, too.
Closing account | 0
From 2009-2010 BOA spent $8.5 million on lobbying and paid your CEO Brian Moynihan $10 million in 2010. So I do not understand why do you need to start charging your customers for using their debit cards? $5 a month may not sound like much to you, but for many of us in the 99%, we have to penny pinch our paychecks and it actually does make a difference. I am closing my account because I do not think my debit card use should go towards paying a $10 million salary or lobbying.
When you took our money to the casino on Wall Street and lost it that wasn't our fault. Paying yourselves bonuses out of the stimulus money repeatedly, that was meant to pay US back, was nonsense. Raising the interest rate on a credit card payment from 19 percent to 28 percent because you lost some money and want to make up for it is despicable. People might as well go to loan shark, at least they are honest about being criminals. First of all, there is something called a CONTRACT that you got someone to agree to. You can't just change the contract agreement to suit you without both parties consenting, but you did, demanding that they pay you. I paid off two student loans early and I only used the credit card in emergencies. When the economy is in crisis that is everyone's problem and everyone needs to share in the responsibility, not just your customers. I never wanted a credit card but you forced it on me (and this is why) after I refused it, then started charging me service fees after the first time I used it, even after I paid the balance in full. Subprime loans were your way of taking advantage of people who you knew couldn't pay you when the interest increased in your predatory contract agreement that your bankers hurried everyone to sign without reading. You ran ads that people could get a home loan without a credit check or identification. Who was that meant for, illegal aliens? You resold the same houses over and over until you wasted Freddy and Fannie and then you exhausted all the money from AIG (the FDIC guarantor) on purpose like that was free money instead of it being insurance that was supposed to be in an emergency, not a money farm for you to bleed dry. Then you took our tax money to use to pay yourself bonuses instead of fixing your mistakes and so we who are paying on both ends salute you. You are a victim of unlimited greed and you will always be remembered for that. In Buddhism, there are three principles called "The Three Poisons", Greed, Anger, and Foolishness. Your anger at the Occupy Wall Street protesters is meant for yourself. You should look in the mirror. You have displayed all three of those poisons. The Arizona Mildman
Dear Gary, | 1
I would like to invite you to my dinner table. You can meet my brother who fought tooth and nail not to lose his home to foreclosure after losing his job for the third time. You can meet my dear 'ol' mom, a senior who looses sleep over worrying about her social security being cut to keep giving you tax breaks. You can meet my niece who is recently graduated from college with school loans that are the price of two new cars. There are others in the family that are dying to meet you, also. You can hear all of their stories and perhaps you may realize that you actually live in a real community not a fantasy world.
Hey Chuck! | 0
Keep on truckin', buddy! You're doing a great job.
Student Loans | 0
Mr Paco. My name is Georgina Quinones, I am a hispanic woman in my forties who recently went back to school and graduated from a two year program. I graduated in May of 2010 and ever since then I have not found work in my field. I am in debt right now in the amount of $26,000. I have already applied for two different deferment plans with my loans and for the looks of it I might have to apply ones again. My resume is in LinkedIn, I send out resumes everyday, I have done three internships and already been accepted to do another internship with a small interior design company, but frankly I don't really want to do more internships I want work and a payroll. I don't know how I'll be able to pay my loans with no job and being disabled do to an illness that might kill me at the end. I just wish that I was in a better situation but my debt is not letting me. Bailouts for us the working people in stead of you the rich bankers would be more logical to increase economic stability! Thanks for your time.
Bankers, Im sure it's clear to you by now that things have to change and are changing, that is the nature of our world. For example: I used to have a CHASE checking account, savings account, and credit card. Now I only have a CHASE checking and credit card. Soon that will change to nothing with CHASE and all my banking will be done through my local Credit Union. Your choices on how the company has been run led me to this change. The choices you choose now and in the future can also lead me to change again. Once you realize we are all one and make choices based on that, instead of on whats best for yourself and others in your position I will not hesitate to make a move back to CHASE. Best of Luck Thomas Gray
Hi Richard, Chase raised interest rates from 7.99% to 24.99% on credit cards for customers who always paid on time and didn't go over the credit limit or even didn't use the card much. My daughter did not have a high balance, always paid on time. She feels she was tricked into getting the card in college. Now she doesn't use Chase card and tells every one about the unfair business practices at Chase.
Please stop | 0
We don't need a revolution just stop being greedy give a little up this way we don't have to expose the truth.... I am closing my chase account today and switching to a credit union and I will have many following taking money out of your bank system
You are lucky | 0
I am not the president of the U.S. I would jail ever banker who is responsible for the recession, plus I would jail the right wing misinformation machine
How in the world after all that you have cost the people of this country can you possibly give your executives millions of dollars in salaries and bonuses. My entire retirement funding has disappeared. I am 67 years old and now live on my social security which isn't anywhere near the max I could receive. Imagine, after working and investing my entire life I am now reduced to living on 535.00 per month. It is a little late for me to start over but you can start today and support income equality. Now HSBC is harrassing me to pay my 800.00 credit card bill from when I worked in real estate just before you all crashed it. Where in the world do they think I will get that money? You all made this mess - help us fix it.
Forgiveness | 0
Remember what happen in France quite a few years ago when there was a prevailing attitude among the rich that It was O.K. for the poor to be miserable. If I remember my middle school history correctly, things ended badly for them. Oh wait, didn't that happen to the Russians in the early part of the 20th century? Don't turn a blind eye to history as this cycle has been repeated again and again. I hold no personal grudges but am offering a suggestion to save your own futures. Politically, it would be best to ask for forgiveness for past policies that did not benefit the citizens and take actions to correct unfair policies. Whoever does this first is going to take a step into history as something of a hero. There is no reason that you all can't still be wealthy but don't do it at the cost of your fellow human beings. You will sleep so much better at night and still be safe in your executive homes. It's a win-win.
Let's do lunch | 1
I have an open schedule most days. I work nights at Walmart now. I was almost done paying the $42,000 in interest on my mortgage when your bank declared my 12 year old contract void. Apparently someone at your esteemed institution failed to sign off on the original document. This gave you legal authority to take my families house away, and re-sell the property to another sucker. It's still vacant, maybe we could meet there for lunch? Be sure to bring the keys, I'd love to see what you've done inside the old family homestead. Or we could meet in the Buick wagon I now live in. It's the blue one, behind the McDonalds on Main St. The manager lets me stay here as long as I keep the tires full of air. It doesn't run anymore, so bring a jacket, it's getting chilly lately. Thankfully my daughters boyfriend lets me use his computer, so I could send you this heartfelt invite. Lets see, vegetable Ramen soup heated on the camp stove, and a pbj. What did you have for lunch today? Thanks so much for relieving me of all that financial responsibility.
Hello and welcome to our huge poor planet. Our planet is blue and green and brown. But is natural. Where real people work real jobs and live real hard lives. Here we lose our jobs, savings and homes for real and suffer real pain. And our children struggle to go to college and instead go to war. And for real, too. Where some of them really die. Or kill thousands of innocent people. This is really horrible. You know that. And it happens thanks to your minuscule rich and selfish and abominable planet the size of only 1% of us. Yes, this is ridiculous. And yes you did this. All of you. You know how. Explicitly. Cynically. Well organized. And endorsed. Or endorsing. Conspiring. Abusing us. Exploiting us. And enriching your selves fervently. Really out of reach. Without justice or common sense. But is over. Finally. You know it. Time is on our side. Anger is on our side. Truth is on our side. People is on our side. With all its powers. Democracy is general. Is ours. Is legal. Is lawful. Is universal. And now, from coast to coast, from Wall Street to main Street we exercise it.
Foreclosure | 0
Well hello I had a buyer willing to do a short sell and guess what? Your bank wouldn't make the deal. Not only was I forced out and now living in a mold infested 1 bedroom with children, but the house has been on the market for 3 years sitting EMPTY! OCCUPYWALLSTREET!!!!!!!! WE WILL PREVAIL! PEACE!
Dear Mr. Gorman and others, Supreme Court Justice Louis Brandeis once eloquently said: "We can have democracy in this country, or we can have great wealth concentrated in the hands of a few, but we can't have both." I know many of you might think that you've been unfairly demonized over the past few years, but instead of feeling victimized, I would urge you to (a) recognize how lucky and privileged you are (you're all millionaires!), and (b) step outside yourself and try to see things from the perspective of the 99% who don't possess the vast sums of money that you currently do. Remember, you won't be judged by the unimaginable amounts of money you amass, but by the legacy of justice, fairness, and equality you leave behind. If you and the rest of the 1% continue on your current track, in fifty years time you'll be remembered as the robber barons of our age. Don't respond right away. Just think about it. :) Your pal, Heath
Happy Friday! | 0
Hey Laban, How are you doing, friend? Are you by any chance related to the great Rudolf von Laban, the dance artist? If so, wow. If not, check out his wikipedia page here: http://en.wikipedia.org/wiki/Rudolf_von_Laban. So, Labs, I was thinking that since Chase bought my parents' bank, Washington Mutual, back in 2008, you'd probably want to know how they were doing. Since you work so hard every day to use my parents' money to eke out the greatest possible profit margin, you probably don't get a lot of time to meet the little people who are contributing to your great enterprise. That must be really frustrating. That's why I'm here to help! By the way, I noticed that the top 5 executives at JP Morgan Chase have received $800 million in bonuses and compensation in the past 10 years! Wow, isn't that something. Are you one of the top five? Anyway, my parents have not made $800 million in the past 10 years, though it certainly is nice that the executives who protect their money and interests are flourishing. Instead, my dad was forced to retire when he got sick, and then my parents struggled to sell their house. Are you in real estate? If not, good: the market is really terrible right now. They couldn't get a buyer. Things were looking bad: they were struggling to make their mortgage payment, pay the bills, and help my younger brother finish his college education (he has a scholarship and loans, and he works two jobs, but it doesn't cover all of the expenses). Finally, they got lucky and found a couple interested in renting the house. That makes it possible to pay the mortgage, sit tight, and hope the market picks up-- because they're counting on selling that house to make enough money to survive. Meanwhile, my mom's plan seems to be to work for the rest of her life, and I mean that quite literally. I try to help them, but I work at an education non-profit and am paying off my student loans every month, myself. My sister's a high school teacher. We don't make a lot of money. But we're all holding on. We are the people whose lives you are affecting every day! My parents' home could have ended up in your sizable portfolio of foreclosed homes if they hadn't found the renters. (I see Chase holds $74 billion in foreclosed homes. Once you toss the occupants out and sell off that toxic asset, how much of that money goes towards executive bonuses? Just curious.) Anyway, just thought you should keep us in mind as you do your noble work. We're doing the best we can. Are you? Pax vobiscum, Megan Hanley