letters and counting!
OWS | 0
We are the 99%. We are no longer accepting inequality in our lives. We are no longer accepting bad behavior for individuals, groups, organization or Corporations. Corporations are charted by the Government. Since WethePeople are the Govern,ent in the USA your Government charter will be coming up for review by WethePeople soon. Good Luck, you're gonna need it.
I was raised in a lower middle class family that struggled to make ends meet, but did. They worked as many jobs as they could and cut where they could to pay their bills on time and save a little. My parents passed good ethic behavior onto me. I pulled myself out of all debt, it took 11 years and I have stayed debt free, lived frugally, and was able to buy a house I could afford and put a little money in savings and retirement. So far, lucky for you I haven't strategically defaulted. I have a top credit score and have held that for 20 plus years. The business behaviors of credit card companies, mortgage companies, insurance companies and retirement fund bankers have stripped me of 17 years of gain, I earned by doing all the right things. I have no recourse to get more interest or less fees no matter how well I behave so I am leaving...you had a chance to do the right thing for both of us and you only took your fees, didn't grow my money (now negative 140,000K in home equity and loss of savings interest). I have nothing more I can afford to lose and what I have left is only my using your bank to hold my money. You had MANY chances to care for me and you did not. Don't care for customers? = no customers. Goodbye and tell this to your top earners...oh wait...they already don't care. Oh, and if I can find a way to get my money back by suing or an investigator finds out you defrauded us all, I'm coming back to retrieve what you took from me. I'm sure a lawyer somewhere can find your real behaviors buried deeply in a fine printed page.
Hi David. As a top executive at Goldmann-Sachs, you have a moral responsibility to people. You have power in this society, the power to make a difference. There are many, many people whose lives are crippled under crushing debt and high interest rates, and they are honest, hardworking Americans with families to feed. The system has been working in your favour for so long! The income gap is widening daily, and middle-class America is sinking into poverty. DO YOUR PART, advocate for higher taxes on the über-rich, support a modest "Robin Hood Tax" on financial transactions, contribute and help defend America as the land of equal opportunity. Your people are skewing the odds right now and it's not fair. I am a 4th year university student and I will be exiting university with a load of debt and a failing job market. I don't know how your story started but now you are in a position of privilege and opportunity - the opportunity to help thousands of people. Please do your part to stop the corruption and support a fair economy! I'd love to hear back from you. Really. I hope you have a fantastic day, and if nothing else, that I've given you something to think about. Best Regards, Joanna
Dear Banking Executive, Your bank does not thrive because your employees are smarter or more talented. Your bank is on top because you have bribed lawmakers to rig the rules in your favor. Your existence is a result of your infiltrating government with revolving-door agents masquerading as public servants. If this were a free market, your criminal bank would have gone the way of Lehman. Your fraud and greed-induced incompetence in the derivatives markets did so much damage to your balance sheets that you had to grovel for tax payer money to stay alive. Do not fool yourself that your station in our society is a result of talent or intelligence. You are successful because you are the most willing and able to corrupt democracy with piles of cash (that we gave you). When the time comes to count your bonus money, do not delude yourself into thinking you deserve it. You stole it from us, the 99%. Sincerely, Brad P.S. Pay your taxes.
Bad enough to have men with no honor, no character and no compassion for customers or concern for their country. So you sold yourself and your humanity for a corner office and big check - you're a prostitute, nothing more, nothing less. You shame working women everywhere, but hey, keep getting your own. no question, you will never have enough because you have no soul or heart. the 99% are going to shut you down and hopefully send you to jail. BOFA is a parasite that has been bottom-feeding for too long.
Dear Mr. Jamie Dimon, JPMorgan Chase Chairman and CEO, I understand that unemployed Americans are supplementing your large salary with their small unemployment payments. Don’t you feel a little ashamed that you are getting unemployment benefits while you are working? Do you know that this is illegal? The State of Illinois has contracted with you to deposit unemployment payments into your bank. In order for unemployed citizens to gain access to their payments they are their being forced to activate your Chase debit cards, and to pay your high fees. Well, this just doesn’t seem right to me, Jamie. And this is the reason I am writing. I am unemployed, but I am not stupid. I can think for myself and conclude that forcing Americans to buy a commodity is unconstitutional. You, the big banks, along with State agencies are taking away the rights of unemployed Americans to freely chose which bank they want to do business with. And in the meantime, you and your bank are enjoying a dramatic increase in revenue from fees that you charge these unemployed Americans. Here’s my story. -I was laid off of work. -Filed for unemployment. -Received a debit card from Chase (which I set aside and did not activate). -Completed a direct deposit form with IL Department of Employment Security (ILDES) indicating payments should be deposited into my current bank. -ILDES instead routed my initial unemployment payment to Chase. -I called ILDES to find out why. The customer person said, “all initial unemployment payments need to be accessed through the Chase debit card.” He conveyed that AFTER the initial payment is accessed through the Chase debit card I could then change the direct deposit to the bank of my choosing. “WTF?!”, I said. “This is unethical, and against the constitution as it takes away my right to chose and forces me to buy a commodity!”. The customer service representative was sympathetic and agreed, but indicated that this is what needs to be done in order to access the initial payment. -In a subsequent call to the IDES, I was also told that these Chase debit card accounts could not be closed by the individuals named on them. That they would remain open, and in case the individual was unemployed again, the unemployment compensation would be automatically deposited into the Chase account. Shame on you, dude. Shame on Chase. Shame on the other big banks involved in this scheme. Shame on the State agencies for not protecting their citizens against you vultures. Shame on the media for not bringing attention to this scheme. Shame. Jaime, I’d like to make a proposal: I propose that since I need to go through you to access my compensation, you go through me to access your compensation. I’ll try to keep my fees low. But I can’t guarantee it. Americans are waking up. The evil forces of big banks, government, state agents have become evident. Yours truly, An unemployed American who is supplementing your salary with my unemployment payments
Sir, your company has foisted an enormous burden upon many, many others who have not been equipped to handle what befell them. Through continuous questionable, unethical, immoral acts you have profited beyond reason. There is a judgement be it in this life or the next. May God have mercy on you soul.
Hello Bankers, You have no idea who I am but I am aligned with the protesters even though I cannot protest in person. I am a psychotherapist working in SF and I am old enough to remember my grandparents "Vision" of America. I believe, through deregulation and (most likely, criminal behavior) a lack of patriotism for America, the 1% have created a climate of fear, insecurity and economic peril. My grandparents would be ashamed to see what's happened to this country because of people in your position not taking a more patriotic stance when it comes to all Americans. Please hear me and be sympathetic to the Occupy Wall Street cause! I work very hard and live in a city that's unbearably expensive. I doubt I'll ever own because the housing market is out of control in big cities and tanking in most others. Please do what you can for your workers....at the bottom of the totem pole along with your shareholders who, of course need to be making money....but would be happy to make "some" and know their workers are happy too! :)
I'm still kinda mad at how often Bank of America has screwed over friends of mine who have had accounts with BoA. Several of my friends have independently shared with me stories about how they were charged sudden, new fees on their accounts. Sometimes they could get the fees wiped off (since they were kind of a breach of contract) and sometimes they couldn't. Sometimes they still had to pay late fees on the charges even if the charge was wiped off. It led a lot of friends to overdraw on checking accounts. And why the hell are you buying everybody's mortgages? Your agents are very intimidating and verbally abusive.
Dear Michael, My name is Monica Wilson, and I support the OWS movement. In part I support it because I feel that we no longer have a direct democracy in the US. Our country is run by the big corporations and financial institutions - NOT the members of Congress who merely do as they are told by the CEO's, etc. How do you feel about this? I am sure that at least presently, you do not worry about health care for yourself, but there are many Americans who have no health care at all. If the Corps/Republicans get their way, I will have no health care at all, because they call medicaid an "entitlement" to be done away with. If this happens, the bottom line is that I and many low income disabled like me will die, too. My story in brief: I have worked and paid into the system since the age of 16. I attended the University of Colorado where I got my BA in Biology and the University of Denver where I got my MA in Library and Information Science. I was able to get these degrees because I worked several jobs, had a scholarship, and my parents helped out when they could. After graduating from DU, I worked for almost 30 years in my chosen profession. I attained a fairly high position and I had money set aside in a retirement plan, IRA's, savings, etc. Then I became sick and the doctors couldn't figure out why. Eventually, my illness forced me to leave my job and I went through everything I had in order to pay medical bills and was left with a small disability pension, supplemented by housing assistance and medicaid. Now Congress (You) wants to take these things away from me. This is simply neither fair nor right nor conducive to the well being of this country. Michael, will you please tell Congress to allow us to keep our medicaid? I hope I have reached you on some level. Please feel free to write back. - Monica
Hi. My name is Michelle and I'm from Ontario, Canada. I'm young and I'm undereducated. I have no grasp on what's happening just yet, but I just wanted to apologize for all of the hate mail you're probably getting. I know you've probably worked hard to be where you are today and there is a big chance you don't deserve a lot of the crap people are giving you right now. Let me just tell you that everyone's just upset these days. They're unhappy and they just want you, people who are educated and know things that they don't, (for whatever reason) to help them, make them feel better or make them feel like you are on the same side.. They're lonely, they're poor and they have no power.. Anyways, just trying to give some more perspective. Thank you if you read this, Michelle.
Retirement | 0
I worked for you bank for 10 years and my retirement saving dropped by 70% while you have become hugely wealthy. Thanks for nothing.
we are watching you. we know what you are doing. i know you want to corral the middle class and dump them in a concentration camp so that you can ensure no one will be able to challenge the authority of the self-centered paradigm you are imposing upon the world. but it wont work. there are not enough police in the universe to beat the sense of justice out of humanity. without violence, we will take back the world. i know thats unfathomable for someone of your stature, but i dont care. similar to how you dont care that you compromised world health, agriculture and economy for your own financial gain. you disgust me. goodbye
Hey James, I understand you're visiting our fine city on November 2 and speaking at the Sheraton Hotel. That's just a few blocks away from Westlake Center where Occupy Seattle has set up camp. How fun it will be to have you here! After loaning you billions of our money with no strings attached, we need to talk. Specifically, we want to talk to you about criminal banking practices that have tanked the economy and destroyed the lives of millions of Americans through fraudulent lending and foreclosures. We would also like to discuss the bad habit large corporations like yours have of bribing elected officials. I'm sure you have interesting thoughts on all of this. See you November 2! Sincerely, Tom Hobson
Share the wealth you punks! chris witting 11419
remuneration | 0
Dear Edward, I am writing to you as a citizen of the UK but as your banking practices affect people in my country as well as the US I think it is still important that I write to you to express my concerns. i think your bank has become part of the problem - paying people to create money out of short term schemes that ultimately effect the budgets of entire nations. There is mounting evidence that banks such as yours contributed to a banking disaster which is now having repurcussions on government budgets the world over. I do hope you listen to the concerns of the occupy movement - history will not be on your side. Do you want to be part of a world in which banking drains the resources of the people in the countries where they live or do you want to be part of a better system? I do hope you choose the latter option. Yours sincerely, Rosanna
eudaimonia | 0
I don't know you. Don't worry, I don't want your money. In fact, I think people can live better lives with a lot less. I study a lot of philosophy, you see, and although some income is good, a lot of its a burden. People become dependent upon it. If you think I'm wrong, try giving it away. I know you already give a lot. More than I ever have. Good for you, and thanks, but have you ever given more? I mean, I guess lots of people still leave an amount for a comfort zone that is still actually quite excessive. Anyhow, the point is that it creates dependence. This dependence makes it harder to express the fine possibilities can reach. Selfless love, compassion, courage, honesty, whatever values you hold. I'm sure their all true, good, and beautiful. And as we all know, they are not connected to excess wealth. I really can't see why you guys just don't cut back your salaries to around 80,000 a year. Give the rest away, whatever. Think of what good you could do. From this moment on you could become like a saint and a hero to so many. I think you'd be happier for it. And in five years, you'd look upon yourself with much more love and pride. cheers, Sean Gould [email protected]
When Washington Mutual was acquired by Chase I became your customer. Shortly after that, for the first time in decades of banking at WaMu, I ended up paying overdraft fees. Two weeks ago I switched my account to a credit union. Better service and I'm not supporting an organization that is contributing to the downfall of my country. Of course Chase isn't alone in this. Citibank, Wells Fargo, B of A, Goldman Sachs, Morgan Stanley are all operating in the same manner. "There is a lot of money washing around the world, and obviously we are the beneficiary of that," --CHASE CEO Jamie Dimon this April Compensation: $20.8 million dollars last year.
Please let me introduce you to my mother, Deanna H. Onufer. She is a sweet, caring, and hardworking, 64 year old widow. She is a first time home owner for the last 11 years and has lived in Bethlehem, Pennsylvania all of her life. Deanna had been employed full-time as a Certified Nurse Aid for HCR ManorCare at 2021 Westgate Drive, Building 1, Bethlehem, Pennsylvania 18018 with over 15 years of dedicated service. I understand that you would want to be in contact with the company to verify this if you are interested in the story so I am including HCR ManorCare's local phone number of (610) 865-6077; Caryn Lippincott was her supervisor. My mother started as a Certified Nurse's Aid with HCR ManorCare on April 1, 1996. Over the years, she has worked full-time as well as committed countless overtime hours and would volunteer to come in when others would call off or not show up for their shift in order to help them out when they were understaffed. Recently with the economy the way that it has been my mother had fallen behind on several of her bills. The shut off notices piled up. The washer broke. She had to choose between paying for groceries or prescription pills. Gas prices went up. Life happened. In addition, she is helping to support me so that I can go back to school in order to get my education and make something better of my life. She is a good, tax paying, never broke a law in her life, citizen. When she saw a friend in a supermarket she asked to loan $10.00 with every intention of paying that person back as soon as possible. That friend happened to be the family member (wife) of a resident that my mother cares for at the nursing home. The friend wanted to help and gladly gave my mother a loan of $10.00. Weeks went by with the friend and my mother just not running into each other sooner so that she could return to her the money. One day when my mother was not working the lady asked where my mom was. When the administration found out why she wanted to know where my mom was, because my mother took a loan of $10.00 from her she was suspended pending an investigation. I do not know what it is that they had to investigate as they asked my mother if she borrowed the ten dollars and of course my mother did not deny it. They told my mother that she was suspended on a Wednesday (9/14/2011) and they waited until late Thursday (9/15/2011) to call her to tell her to come in to "talk about it" the next day on 9/16/2011 at which time they informed her that what she did was a "Critical" violation of policy and they then terminated her job. She was not allowed to say goodbye to her residents, these poor people, who came to know her as family. Ms. Lippincott told her they know she is a good hard worker and told her that they would give her a good recommendation elsewhere but that they have to go by "policy" and terminate her job of 15 years. My mother was not aware that if ON HER DAY OFF, she saw a friend in the supermarket, that she could not loan money from that person because it was a family member of a resident. She truly had no idea what kind of problems this would cause. We learned later of this Critical Violation in a handbook, with termination being the punishment for the first offense. Maybe I missed it but I must let you know that no where in the handbook does it state that an employee cannot loan money outside of working hours at a different location. She truly did not know this was their policy. I am of course outraged. I feel others would be too. My mother is just hurt and afraid of what will happen to her next. She worries about paying her bills, and losing her home. She is also now without health insurance. My mother is loved by residents, family members, and staff at HCR ManorCare, Bethlehem. She will not tell you this but she is well liked and well known for her hard dedication to her job. Over the years, my mother considered her residents as family. She and I visited this friend and she repaid the 10.00 not wanting to cause anymore problems. I had to drive her there because after being told she was suspended she was just too shaken up to drive. When they told her this was against company policy my mother promised that this would never happen again. Not ever. My mother asked, for another chance at her job but was told by her supervisor that it was not possible. I question and would think most of the public would want to know why, when the nursing home is so understaffed, they would fire a good employee simply for loaning $10.00 on her day off. I do not know if that policy was in place for instances such as this but I honestly see no harm in what my mother did. The friend told her she was sorry she did not want my mother to lose her job that she knows she is needed there and that she had only wondered where she was because she needed the ten dollars back. It is unconstitutional and unfathomable to me that this was allowed to happen. She has been told by coworkers that they cannot believe that she is gone. A good majority of them do not know why. If they would pay better wages to hard working caregivers perhaps my mother would not have seen the need to loan ten dollars but there is no question that had she known this was against policy she never would have asked to borrow the 10.00 at the supermarket that day. She apologized to the supervisor and to the friend but still she has no job now and with no 401k, no savings, no retirement, no money coming in, at the age of 64 she fears that we will lose our home before she can get a job. Many times administration at this very company solicited my mother to contribute to their "Hug Fund." My mother never had the extra funds to do so yet they asked anyway. I question how it is that she can be fired for borrowing ten dollars at a local grocery store on her day off, which she has since paid back. Yet the administration says it is perfectly okay for them to solicit employees, approaching an employee who is working and ask for money. How is that okay or any different? My mom is looking for a job now while she attempts to follow the grieving process for her termination. Many who know her just cannot believe that she is no longer there and that this can happen. I also cannot believe that taking a ten dollar loan that was offered to you sits right up there with real critical issues such as the abuse of a patient and holds the same disciplinary action, termination, as that of someone who steals, threatens, or hurts a resident. Nursing homes are short staffed and in need of good employees like my mother and I believe that she has a story that simply must be told. We are very private people that keep to ourselves however, I urged my mother to come forward with her story as it is unique, heartbreaking, and in my opinion needs to be heard. I believe this is wrongful termination. We now have to go to food banks and perhaps even unemployment/welfare and the sad fact of the matter is this is why our world is the way that it is. Here is a woman at 64 years, hardworking and dedicated to her company, but loses her job simply because she asks for help from someone off company grounds, on her day off. I think this is against everything our constitution stands for. I think this is wrong and unfair. This is why unemployment is at its limit, why everyone is on welfare and foods stamps. Its corporate greed. This is why. My mother worked hard so she did not have to use welfare, food stamps, or any other government/county aid. This is NOT to say there is anything wrong with the people who have to utilize it, most likely we will have to now as well. There is nothing wrong with the people on government aid but there is something wrong with the government. Big corporations that get richer and richer when the hardworking dedicated employees that keep their companies going struggle daily to pay their own bills. Corporate greed. So corporations like HCR ManorCare can keep making money. I think this huge corporation has not only taken advantage of it residents and their family members demanding huge outrageous fees for their understaffed services, but it also has taken advantage of employees, such as my mother. All my mother wanted was to pay her bills, keep her home, and go to work everyday. The great American dream that so many of us struggle to have. We should not have to struggle. We should not have to stand for this. OCCUPY. Thank you for your time. http://www.facebook.com/pages/Occupy-HCR-Manorcare/299340290078485 Katrina Kelly 1522 Valley Road Bethlehem, PA 18018
Recently I removed some $12,000 dollars from your bank, even though I still had a checking and savings account at your bank the teller refused to give me a bag to put the money in. I asked: what if I get robed? She laughed. On the way to deposit the money A hundred dollar bill fell off. I did find it ; however, I am going to remove the rest of my accounts from your bank; I will bring a bag this time. You people who took probably $100,000 dollars from me in lost house value and stock losses won't even give me a bag. This is supreme arrogance; it looks like the now vocal 99%ers are about to bust you bubble and this bubble won't be blown up again by the Tax payers. You have made fatal choices and you deserve to die like all people (as the Supreme court calls you) who make fatal choices.
Dear Executive or Member of the Board, I own stock. I get proxies. I get a lot of proxies. They bug the crap out of me. I hate to deal with them. They're like the cockroaches in my Things To Do pile. But I dutifully fill out each and every one. Why? Because I resent the high salaries and bonuses that you all make. Every time I fill out a proxy, I get a chance to vote against you and your exorbitant incomes. So let's make a deal. You peg your income in a fixed ratio to the lowest paid employee in your corporation. (ie. You make no more than 1,000 times the amount of your lowest paid employee (including third world employees). If you do that, I'll happily go back to being a stupid sheep who votes the way the nice Board tells me to on my proxy statements. I could use the extra time to do something productive, like cleaning out my desk drawer. I stand with the 99%. I stood with them before Wall Street was occupied. I will stand with them after they've all gone home and Zucotti Park is empty and silent. I will fight until you board members get the salaries you deserve, and your employees do too. Sincerely, Amy Thomson
Dear Ellen, I hung tight when Chase took over Washington Mutual, even though I had my doubts. But when you sent me a flyer describing all the hoops I would have to jump through to avoid fees, I moved my account to Boeing Employees Credit Union. BECU has been treating me well. Better interest rates and no fees. Oh, and the hold time on the LARGE checks I occasionally deposit is much lower. Understand, I could probably have avoided the fees. I can afford to keep a large balance in my account. But I knew that many people can't. So I broke up with your bank. I did it for the same reason that whenever I get a stock proxy, I vote against higher salaries for executives and board members. I stand with the 99%. I stood with them before we occupied Wall Street and I will stand with them after Zucotti Park is empty and the protesters go home. This is not a short term fight, and I've been in it for decades, and probably will be in it for decades more. Reduce your high board and executive salaries. Institute a rule where the highest paid member of your company (including the board of directors) receive a salary pegged in a ratio to you lowest paid employees. Thank you, Amy Thomson