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Bank of A**holes Fires Employee After Helping Customers.

2009-12-07T17:49:00Z

Bankof America fired Jackie Ramos after she took a stand against the bank's$15 "convenience" charges and $39 over-the-limit fees so she couldsleep better at night.

"There was something inherently evil about my job," the 23-year-old said in a YouTube video she uploaded on Nov. 27, two days after her termination.

Ramos, of Fairburn, Ga., worked as a "customer advocate," whichinvolved calling people who fall behind on credit card payments andeither encouraging them to pay or modifying their accounts. But not allcustomers qualify for modification programs that will help them, andRamos grew tired of saying no after six months on the job.

"So I stopped denying people," said Ramos. "I helped people get onprograms that they didn't necessarily qualify for but who definitelyneeded the help."

Bank of America declined to comment on Ramos's video but confirmed her account of the firing.

"Ms. Ramos clearly violated some bank policies, particularly aroundmisrepresenting customer information," said spokesman Tony Allen."Perhaps more egregious, she encouraged customers to misrepresent theirinformation."

Allen said that as of Oct. 31, Bank of America has modified over onemillion customer accounts totaling $10 billion in outstanding debt bylowering interest rates or modifying monthly payments. He said the bankexpects to modify between 1.2 and 1.5 million consumer and smallbusiness credit card accounts in all of 2009.

In an interview with HuffPost, Ramos emphasized that she did notmake the video out of any bitterness toward Bank of America, and shesaid that she does not consider her former employer any worse thanother credit card companies -- she's angry about the whole system.

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"I feel like there's a real credit problem in this country," shesaid. "Too many people are complacent... Slavery was also legal at onepoint in time. It was the law. Now we have 30 percent interest rates,$39 late fees and over-limit fees. I want the laws changed. I want thefederal government to protect its people and do what it's supposed todo."

YouTube has been an effective venue for bank customers outraged thatan industry kept afloat with taxpayer dollars is raising fees, interestrates and minimum monthly payments. Ann Minch of Red Bluff, Calif. wona reduced interest rate after she declared a "debtors' revolt" in September. Her video spawned imitators such as former Bank of America employee Ben Frasier of Douglas, Ore., who said "Bank of America will stop at nothing to turn an insane profit at your expense."

Personal finance guru Suze Orman hailed the "debtors' revolt" and said banks should take notice.

In her video, Ramos said she'd never forget one customer inparticular -- a 24-year-old mother with cancer who'd recently lost hermom and husband but still wanted to pay off a $6,000 debt. The womandidn't qualify for any program that would help her.

"She sobbed on the phone telling me she couldn't afford the 30percent interest... that we had her account on. She couldn't afford the$39 late fee, the $39 over-limit fee. She told me that we were herfirst credit card when she turned 18, we were her only credit card, andthat she was a loyal customer. And given the time to be on this earth alittle while longer she would have always remained a loyal customer.

"According to Bank of America, she doesn't have enough income to beput on a program, but she can however keep paying the high interestrates on the account, and fees, because at the end of the day, it isher account, she did rack up the debt, she was late, and she diddeserve the 29.99 percent interest rate."

Ramos lives with her fiance and two-year-old son in Fairburn, Ga.

FACILITATOR: I added the following comment to the above article appearing in the HuffingtonPost:

You are not alone. We believe that it is "BETTER THAT 1 BANK GO BANKRUPT THAN 1 MILLION AMERICANS". DO YOU? Don't hold your breath for Congress. See www.Better1Than1Million.com for what you can do. Stop felling victimized by legalize loan sharking, greed and powerful lobbyists. We have the power but need your power, too. Together we CAN SHUT these banks down. Join us.

I am astounded by the arrogance of those who call you and me stupid.

2009-12-07T05:19:00Z

(A recent post I put on CNN).

I am astounded by the arrogance of those of you calling others stupid and paint everyone with a broad brush stroke. Have you even thought you might just be wrong? Probably not.

I am for free enterprise but not when it comes to community services, such as police and fire departments. When a service is needed by all citizens and easily abused by business owners, such as utilities and sewerage services, then government owned and operated or quasi-government or non-profit organizations provide better services without abuses.

I have never thought of banks falling into this category, but now I do. I have gone from believing the government should not take over the banks this past year to now supporting a public role in providing banking services. The abuse of changing credit card % from 12.99% to 29.99% and cutting people's credit limits in half for not justified reason directly affecting their credit score without any cause on their part is more than exercising the rights of free enterprise. It is clearly abuse and greed causing deep harm to innocent and decent customers who assume the banks would continue to deal fairly and reasonable in providing credit and services. With banking services being an essential service for everyone in today's society, basic banking services have become more like an essential utility. And, the banks, including credit unions, have clearly abused their customers with unreasonable charges, fees and rate changes. When one sees that these same institutions and their lobbyists essentially control the rules of the game through Congress, then the average person does not have a chance to control their destiny. Don't give me the crap about people should not carry a balance on their credit cards or over extend themselves or people can change their banks., because that is just horses**t used to justify that the free enterprise system works if people stayed within their means. You and I know that the banks control the elected officials and that corporations in general control Congress. It no longer matters who is right or wrong. The average American is feed up with this abuse and hopefully will start taking actions to create a publicly owned non-profit banking alternative that is based upon decent rules of conduct and do not abuse decent hardworking Americans. If you feel this comment is hogwash, good for you, just move on and leave us alone to do our business, but if you are sympathetic to the bank abuse of the average person then join us at www.better1than1million.com where we believe it is better that 1 bank goes bankrupt than 1 million Americans.

Save 50% on credit card debt - More Wisdom and Experience from David

2009-12-01T02:59:00Z

I've always done business with a local bank and have always had excellent service. There's not as many local banks as there used to be due to the bank mergers of the last 15 years but you can still find them if you search around. I'm glad to hear you dumped Chase; I had a credit card through them and lived to regret it.

Speaking of credit cards, I have another tip you wish to pass on to your readers. I would have posted it under the comment sections of your blog but I don't think it would get much visibility there. If you want me to post it on your blog myself, let me know where. Anyway, here's the story --

Awhile back, I had some financial problems with credit cards that were due to both mistakes on my part and their shady business practices. I was using four cards to pay for daily expenses and dividing the costs between them. I was tempted by the zero percent interest rates some offered and was making payments on time. At that time, two the banks merged and instituted policies that I wasn't aware of which effected two of my cards. The result was that when I went slightly over limit on one of the cards, they froze not only that card but another one as well and raised the interest rates on both! The previous policy never froze the account but just added a modest fee. This ruined my cash flow and things spiraled out of control after that with the other cards following suit when I made late payments to them.

Here is my tip for those who may find themselves in a similar situation.

It got to the point that none of them would negotiate and lower the interest rates so I stopped paying them. After you stop payments for six months, they're willing to settle and will accept 50% of what you owe and forgive the rest of the debt. If you negotiate harder with them, they will forgive more but 50% was fine with me so I raided my retirement fund, paid them off and suffered a huge hit on my credit rating. You'll notice I said MY credit rating but NOT my wife's. Since most of the credit cards were in just MY name, it was only MY credit rating that got hit. When my wife and I had to refinance, we did it in her name and got a favorable rate. After getting out from under the credit cards, we were able to pay everything on time so my credit rating has recovered. Recently, we took advantage of the lower interest rates and refinanced under better terms using both our names.

The lessons to be learned are:
1) Never include using numerous charge cards as part of your financial plans - even for a short time.
2) If you HAVE to use credit cards and are married, DON'T get them under both of your names. Let one person take the credit rating hit.
3) Pay attention to changes in your credit card policies. I never used them much and wasn't used to cards that changed interest rates and credit limits for no reason.
4) Forgiven debt is taxable! Be prepared for the tax hit on your extra "income" on your 1040 form.
5) Don't get too greedy in your negotiations. Eventually, they WILL take legal action so you want to strike a bargain while it's at your advantage.

I hope this helps.

Keep up the good work Don.

Dave

****************************************************************************

Maybe part of the negotiations could be for them not to report blemishes on your credit rating. Since they have ruined my rating by dropping limits, I don't care any more personally, so i am not planning on paying anyway. Let them spend the money to take me to court and collect.

Don

Banker says he wants to help.

2009-11-28T20:04:00Z

I got an email from a banker that said:

"I just want to help you with what you're doing. This is part of the solution."

CITIBANK uses the Good Customer ploy

2009-11-28T19:56:00Z

CITIBANK called today. Said they noticed that I have never missed a payment and have paid consistently until the most recent due date.
Asked if there was a problem.

I said no, i don't have a problem, you do. You raised my rate to 29.99% and I am not going to pay you any more.

Then the rep said something like maybe we could work out a payment plan.

I said nope, I am not going to pay you any more. You can do what you have to do or take me to court but I am not going to pay you any more.

Then the rep started to say maybe we can help you or something along those lines.

I said, nope. You didn't want to help me before and I don't trust you any more.

Good-by and hung up.

CHASE will NOT let me close my account,!

2009-11-28T01:42:00Z

I closed my CHASE account today. I asked for the money in cash. The rep tried to talk me out of it several times. He wanted me to take a Cashier's Check. I told him that I no longer trusted CHASE and want it in cash. So when you close your account be sure to get cash, too. I immediately deposited the cash in a regional bank where we have a business account.

I told the bank rep that I would not be responsible for any payments they made from this account and handed him a letter to that effect (see below). He then said it did not matter, CHASE will continue to pay any automatic payments submitted and charge over draft fees, to boot.

So, you see, CHASE told me that I could not close my account and will be charged fees should they pay out something from it by THEIR choice.

All I can say is, GET YOUR MONEY OUT OF THAT BANK ... NOW!

************************************************************************************************************************************

The letter I left with CHASE reads:

The bank rep said that they will still pay any automatic payments because they have a contract with the party submitting such payments. We went back and forth a little and he then said well I am not going to argue about it that is the way it is. I said we will see and left. You cannot even close your account according to CHASE and will rack up fees and charges although you removed your money and closed it. So get your money out of there ... NOW!

"To Whom It May Concern;

I wish to close my account on Friday, November 27, 2009.

To my knowledge there are no outstanding checks or debit charges.

Since I am closing my account today, I will not be responsible for any advances or payments you make from this account in the future since it will no longer exist. If you do so, you do so at your own risk and I will not be liable for such payment for I no long longer have a business relationship with you and no longer authorize you to make any payments on my behalf. Should you do so, I will also not be liable for any overdraft fees or related charges since I will no longer have an account with Chase."

Response from Readers

2009-11-26T03:14:00Z

I received another email today from a person in CT and AZ. Both sounded as discusted as I am. The one from AZ said he will not make any more payments on credit cards, period, and will declare bankruptcy first.

Now, that makes two of us. ANYBODY ELSE!!!

I cashed out my OSU Credit Union account today and have cut my debit card transactions to about 1/3 of what they have been. I will soon only do cash until I set up a new account somewhere and will only get a debit card if it is MC and not VISA and only use it sparingly so as to not generate debit fees for the greedy green giant. Without any effort in the past couple of weeks I have decreased computer payments, increase check and cash transactions and cut debit card transactions to 1/3. I have also not used a credit card for any transactions.

Just got another email from a reader stating that MC, Discover and American Express is just as bad why boycott VISA?

I agree they are all stink from the same sewer but I felt that we had to focus on one to concentrate our efforts and show results. If we can impact one of them, the others will perk there ears up really quickly and listen to us. Please shift your purchases to avoid vendor credit card and debits card fees that feed the sewer rats. Use cash or checks. As I mentioned above, I am proud to say the I have cut my use fees by 2/3rds and soon by 90%. Avoid VISA at every step. Pay bills in multiple check payments, especially to the credit card companies. Increase banking costs, transaction volume, mail volume, keep them on the phone more often and longer, slow up the lines. Rumple your checks, especially the numbers at the bottom so they have to be hand processed, make separate deposits instead of all in one. You get the idea.

Get This from CHASE

2009-11-26T02:59:00Z

I went into Chase to cancel the automatic payment for a mortgage on a commercial building I own. The payment is taken out on the 1st of each month. I want to cancel my account and not have this payment hit it. The manager called their payment center and said that they, and therefore I, could not cancel the automatic payment only the loan company can. I then said would happens if I only left enough money to pay outstanding checks and told you to not pay the mortgage on my behalf. She said they would pay it and charge an overdraft fee. So, I said, I have no control over my money in your bank is that is?

So Friday or Monday I will drop off a letter and close my account as of that day. If they retain any amounts waiting for the pending amounts to clear then they understand that no other amounts submitted will be my responsibility and if paid by them it is at their own risk. I am not responsible for any additional amounts paid out because I am not authorizing any amounts above my balance and will also not be liable for overdraft fees because I have closed my account.

Another Suggestion by David

2009-11-24T19:01:00Z

I was surprised and pleased that you posted my email on your site.
 
Here's a technique my wife uses that I thought you may want to pass 
along to your readers.
 
Many department stores require you to use their credit cards in order to 
get advertised discounts.  Since many of these cards are run by Citi, 
they have huge interest rates and late payment fees.  The idea is to 
entice you to use the cards to get the discount but to get it all back 
when you miss a payment!
 
What many people don't realize is that you can make payments on these 
cards AT THE STORE! 
 
The way to get the discounts and not the card penalties is to buy your 
items with the store credit card, and then PAY OFF THE CARD BEFORE YOU 
LEAVE THE STORE.  This way, you have no credit card bill, you get the 
discount, and you don't buy more than you can afford.
 
I hope this helps and keep up the good work.
 
Dave

Letter to my Oregon Senators and Congressman

2009-11-23T23:25:00Z

RE: Usury laws and lending practices

Dear Senators and Representative:

I believe you are out of touch with what is really going on in the financial markets and are out of touch with how upset Main Street America is about the inability to get business and real estate loans.

I do not remember in my life-time when such excessive lending rules and restrictions existed. All of the bailing out of the banks and the emphasis on lending has failed to result in banks lending once again. Wall Street may be giving you a sob story but Main Street is suffering in isolation with no lobbyists to buy policy changes like the banks do. On the July 20^th of this year, I wrote a letter about the restrictive lending policies existing at the banks but never got a response from any of you. Since then many of us have had to put real estate investments on the market, adding to the current glut, just to raise the cash needed to conduct business.

On top of that, Congress’s failure to pass usury laws and quick credit card controls has resulted in people getting their credit card limits slashed for no reason which automatically decreases their FICO scores and increases their credit rates. With no change on their part, people are getting hit with 22.99% and 29.99% interest rates. The Fed policies, lack of control over the financial system and your unwillingness to protect the public from predatory practices and usury is having a snowball effect. Did I say that people are very angry? Did I say that I am seriously considering voting anti-incumbent for the first time in my life? I would hate to see that happen in Oregon but that will happen across the nation if Main St. does not start seeing actions to stop the greedy Wall Street pigs.

Response from CITIBANK

2009-11-23T19:25:00Z

Citibank called today and asked me about my payment being late and if there was a problem. I said

no, I am just not going to make any more payments to you because of your criminal 30% rates.

Sir, your rate is ONLY at 21.99%.

That is not what it shows on my statement. (Statement shows $7,414 @ 29.99% and 5,031 @ 21.99@)

A few mores of blah, blah, blah and

I have no intention on making any more payments.

Well, sir there is still a chance of a lower interest rate.

I don't care. I still have no intention on making any more payments.

OK, have a good day... click.

Citibank is the largest issuer of credit cards in the United States. Maybe Citibank is even more dependent upon credit cards than the consumers. Maybe Citibank is over its head in credit card debt. Perhaps Citibank has used poor judgment in trusting that loyal customers would behave as sheep in the way that we customers used poor judgment in trusting the people who run Citibank to treat loyal customer honestly and with respect instead of like trash. What would happen if millions of people or even 100's of thousands or even 10's of thousands make one payment late into the following month. Or, better yet, what if these people called Citibank and told the bank that they refused to make any more payments. From my experience it feels empowering. I am no longer feel victimized by FICO, Big Bank and the Brotherhood of bank whores. Try it, you will like it.

Canceled Credit Card Payments.

2009-11-20T22:21:00Z

Today I canceled all automatic computer driven payments to credit cards and my primary mortgage with Chase. I did not pay my CITIBANK on the 18th and will start conserving cash. CHASE informed me of increasing my interest to 23.99 percent on the heals of the others. In spite of Congress, the banks have no intention on making reasonable real estate loans and in changing the credit limits have artificially lowered FICO scores. Nothing changed between the times I started to get a refinance and now except the limit differenece. And then, of course, they use that to justify higher interest rates and lower limits from other cards creating an artificial but very profitable earning stream. The kind of earning only associated with usuery and loan sharks. I mean really 29.99% interest? How do you employees who work at Bank of America, Chase and Citibank sleep at night?

When I canceled my automatic payment on the Chase mortgage the dropdown box asked for a reason, so I selected "Filing Bankruptcy". We will see if the perks their interest! I doubt it though.

So now I search for the best credit union and other alternatives in my area. Tell me about the best in your area. Thanks.

Email Response from a Reader.

2009-11-20T22:14:00Z

I will start listing alternates credit cards and banks that people can switch to to save money and deal with ethical businesses. This additional feature is the result of the following email that I received from a reader: He send me a link about a better card and I though it could be an identify theft kind of thing so thanked him for his suggestion but declined to apply for the credit card. His response to me was:

"Hi Don,

Thanks for the response.

I'm not promoting anything and Amalgamated Bank of Chicago is an actual business and not an identity theft site. Check these ==>
http://en.wikipedia.org/wiki/Amalgamated_bank_of_chicago
http://www.credit-land.com/1010/1010_page_4248_4882.php
http://www.linkedin.com/companies/amalgamated-bank-of-chicago
I suggested this card because it was the only one I had that treated me fairly when I was having financial problems. It is also the only one I kept. If more people shifted to a bank like this then the national ones would have to change their practices.

My suggestion was that an effective boycott will never work if you ask people to boycott all banking. If an alternative is given to those tired of predatory action, they may decide to dump the predator and change to a better bank. I will not do business with Citi, Bank Of America, or Chase and was able to canceled all of the credit cards I had with them because I found an alternative. Although I cannot control who buys my mortgage, I CAN control who I negotiate with whenever I refinance so the fees won't go to a company I don't like. I think we all have a good reason to boycott certain banks; many of us just don't know how. I think if you posted some alternatives, you may get a better response.

I think you're doing a great job trying to spread the truth about shady bank practices.

Good luck with the boycott and I'll post your site on any message boards I happen to be on.

Dave"

I thanked him for this follow-up and will now start listing alternatives to get your and me away from these vicious pyranhas.

Bank of America Toxic - Avoid at all Costs.

2009-11-17T06:33:00Z

Bank of America decreased my credit limit without warning. Not that I was surprised by that, but the weasels decreased my limit from $35,000 to $15,400 --- just one payment above my minimum payment. So if I miss one payment, I go over my limit with additional fees and higher interest rates. IS THIS THE KIND OF BANK YOU WANT TO DO BUSINESS WITH?

Those of you who work for this bank should be ashamed of yourselves and change jobs. Is that how you mother and father raised you. To beat up on people, milk them dry and then tighten more until you get blood. Who said you can't get blood from a turnip. Bank of America probably invented the technique. I am sure they have a hidden branch somewhere hidden in some dark hills somewhere where they train you to torture people so you learn to tolerate and eventually even enjoy the yelling and screaming of former customers. Former customers, I say, because anyone who has an ounce of brains would never treat a real customer like Bank of America does.

And, you, the employees, are Bank of America, It is not a place that you work. You are Bank of America because you make it work. if you have not noticed. It does not matter if you are a Vice-President, a secretary, a teller, an accountant, in advertising or credit card services, you are all part of and make up an evil company with evil policies that are hurting people. Do you hear them yelling in pain and screaming from being entrapped, tortured and spit out like useless garbage. That is you - the company. Really! How do you sleep at night? Is the pay that good? Have you been bought out of your morals and upbringing? Do you try to leave your soul on the door step at work and pick it up on your way out at night? If you think that works, i have news for you. The souls still knows and your heart still knows. For God's shake change jobs. Get out of there and save yourself from the toxic environment that places greed above common decency.

Free Credit Reports

2009-11-14T03:22:00Z

The truly free credit report is available at www.annualcreditreport.com.

But be careful of other "free" credit reports websites heavily promoted on the web and TV.

To show you how sly, deceptive and greedy the credit report agencies are, one of the agencies Experian falsely advertises that you can get your "free" reports after signing up for their $14.95 monthly service on the freecreditreport.com website. The Feds have failed to stop the ads even with more than $1 million in sanctions. No wonder! What is a million dollar find when you are raking in hundreds of millions? The credit card reform bill signed into law by the president aims to curb the ads by requiring them to include the following statement: "This is not the free credit report provided for by Federal law." Big deal. Why not just arrest them and throw them in jail like a common criminal, or is that a "not so common criminal"? So much for the effectiveness of Congress, big lobby money and consumer protection.

Changing From OSU Federal

2009-11-13T03:07:00Z

My recent experience with OSU Federal Credit Union brings to light that OSU has lost focus of its purpose as much as the banks have. Few know that Bank of America originated from the devastating 1909 earthquake in San Francisco. The Italian founder stood on a wooden box and handed out cash loans to people to rebuild their houses and businesses ... to rebuild San Francisco. No FICO scores. No applications. Now look at the greedy BofA. Not the same institution.

On the OSU Federal website there is a quaint discription of how this credit union was started from a shoebox by an OSU professor. As if that quaint beginning has any merit today. Yes, they give a long list of donations to charities and are better than the national banks at returning money to the community, but really ... really ... their practices and policies do not reflect a true community spirit of believing in their members and the needs of those looking for a loan. It is all show and self righteous behavior. The proof is in their actions as a lending institution. In their policies they are no different than the non-community based banks. Issueing credit cards and collecting those fees, using the VISA debit cards collecting those fees, charging $25.00 for over-draft protection and collecting those fees. No difference.

Today I withdrew most of my saving and only left enough in checking to cover some near term checks. I put that money into CHASE until my checks for this month clear and I can plan closing down that account.

In the meanwhile, I will be searching for a new local bank or credit union and pick the one that I consider most financially ethical. Not one that gives me the most benefits or freebies or credit card/debit card "rewards" or a change to win a "purchase" whenever I use my debit card as CHASE does. No, one that is the most financially ethical. As I have time I will report on my findings and decision.

Finally, in putting my money where my mouth is I have decided to sell my rental property just to pay off and get rid of my credit cards forever and ever. Once they are gone, they are history, will be destroyed and the accounts closed along with my CHASE and OSU Federal account.

OSU Federal Credit Union Disappointment

2009-11-11T03:17:00Z

Well maybe I am wrong or in fantasy land regarding the community orientation and flexibility of credit unions. My recent encounter with what has been my credit union until now, OSU Federal Credit Union, has left me stunned.

I applied for a personal loan to pay off credit cards, one by CITIBANK, that went to 29.99% with no justification other than greed. When I explained to the loan officer that in my career, my work pattern is to work on contract for short periods often leading to a full-time hire at the client's request, followed by an end of contract and searching for a new project. Periods between assignments would range from nothing to a month or two. My credit report shows a clean payment history with not one blemish, including $160,000 line of credit with OSU Federal. With an earnings history of over 6 figures as well as owning a number of pieces of real estate, I did not think that borrowing money to pay off credit cards would be a problem even though my most recent project ended last week. But my work history and payment history did not matter to OSU Federal. I was told if I did not have a job I could not get a loan ... period. Well, in a way I was not surprised and could understand that policy. But the loan officer did not even try to find out more information or try to help out. Just a blunt no. But what really shocked me was that she then said come back after you have been working for six months. I said, "Six months! That is unreasonable given my industry and unworkable for me. If that is your policy, I will have to find another institution to do my banking with." Maybe there is nothing better out there, but that experience sure killed my respect for the OSU Federal image as a community oriented bank. Sure they give to charities and talk about community, but under all of the glitch it seems to me they act no differently than the Wall Street banks when it comes to lending. They treat their members no differently that when I call CITIBANK to ask them about lowering the interest rate. No compassion, no sensitivity, no flexibility just the same-o-same-o "protect my assets and maximize our return". If you can't turn to your local credit union for help then who can you turn to?

Where do the Oregon Congressional Legislatures Stand?

2009-11-06T06:22:00Z

At this stage, I would like to invite the Oregon Senators and Representatives to make a statement about bringing the banks and credit card industry under control, implementing national usery laws and implementing the financial manifesto statement found in the "Better 1 Than 1 Million" website. We will not be happy with a forked tongue policitical response.

Hundreds of billions of dollars have been given to prop up banks and Wall St firms while Main St America has continued to slip into a financial sink hole created by predatory lending, risky Wall St. investment schemes and lending entrapment by credit cards companies. Million and millions of Americans need relieve from the crisis of the past few years and need to be made whole with drastic revisions to the way these institutions conduct business. They furthermore need to pay restitution for their practices, even it such restitution bankrupts them. It is better for 1 bank to go bankrupt than 1 million people. We have suffered enough. They have no shame and continue to cause harm and drive people into backruptcy due to their behavior not necessarily that of the debtors.

Credit reports must be altered to remove bankruptcies caused by lending institutions over the past two years, that means all bankruptcies PERIOD, and those resulting from medical bill must never be treated as a bankruptcy in the future again.

We will wait to hear from each of you. We will follow up with other states as our movement evolves. For now, however, as individuals, we will boycott VISA credit cards, debit cards and encourage stores we visit and others to do the same. We will also transfer our financial business, including checking and savings accounts our of the national banks, starting with B of A, Citibank and Chase. We will further more return to cash and check transactions to avoid debit fees from feeding the greedy financial industry and keep money in Oregon. We will stop contributing to their lobby funds and vote you out should you not support the individual Oregonian but instead support the financial machinery as usual.

We are waiting...

Welcome

2009-11-04T21:28:00Z

If you have had enough of the abuse by the national banks and credit cards companies, read our website and take action. Share your stories of customer abuse and actions you have or are taking to take control back from these hideous financial organizations. Remember, it is better that 1 company goes bankrupt than 1 million people. Show your support for this movement. Thank you.