Stop CitiBank/ Close your accounts

clearly you weren't a tax paying citizen or else you wouldn't have owed 10K...

i've never had any discrepancies with my taxes

you really are a stupid person thowman. Did you not see that I did write the check to YOU the American People and that I have set up payments with YOU the American people to pay my taxes? I pay 25% of what I make to YOU the American people. If I was the corporation that you so desperately refuse to challenge I would pay YOu the American people peanuts. I do my part and always have.

but the check bounced... so you didn't plan properly, your own fault.

i pay taxes just like you claim to do, but my check never bounces. it's pretty black and white.

I don't think corporations should be able to offshore their profits, but it's legal. i've called my senators/reps as well as voted for obama under the impression that they would change the current tax loopholes. i'm still calling them to urge them to follow through. you know nothing of my politics, why do you keep assuming you do?

and I'm not the American Public, we all are.

You are very ignorant. Lots of people write $10K checks to the IRS. I am an accountant and many of my clients write checks to the IRS for much more than 10K. Silly you.

how many of those checks bounce? i'm sure that what molly is pointing out is not that she owed money to the IRS, but rather that the check she sent them bounced.

if you couldn't see that, i'm afraid it is you who are the ignorant one.

you owed the IRS $10K?! that is what inspired this video? that makes you no different than citibank. you tried to rob We the People of $10K and Citi robbed us of billions.

you have no one to blame but yourself.

what on earth are you blabbering about? Do you have No brain in your head?

what's a "No brain"?

pay your taxes or you rob from us all. it's that simple.

Lots of people do. Many credit card companies provide their cardholders with "convenience checks".

For example: Capitol One, Chase, Bank of America, Citi, Discover, and many, many others.

only the financially illiterate would write a check off of credit card. the interest rates are sky high...

and just because something is offered, doesn't mean it's responsible to use it

the difference is that I know when a battle is pointless and when it isn't. yelling at the banks for charging too much is like yelling at the rain for getting you wet...

thowman131. I was not sure but I am now. You are selfish idiot.

now who's doing the name calling?

if not wanting to hear you complain is selfish, then call me selfish.

if disagreeing with you makes me an idiot, call me an idiot.

unfortunately, you can call me whatever you want but it won't change the fact that, short of moving your money to a credit union, you are powerless against banks that are "too big to fail."

I am doing the name calling. I am calling you are a selfish idiot. Not because you do not agree with me. Because you don't give a shit about anyone but yourself. I feel FAR FROM powerless. You are an idiot for choosing to do whatever the banks ask of you. You are an idiot for handing all of your rights over to corporate control. You are an idiot for walking lockstep with those who tell you to do so. You are an idiot for not realizing that what you have is because people that have less or NO rights fight for those rights. For example, your wife can vote because women fought for that. But you are an idiot. You would rather those women gave up because the "battle was not worth having." You are an idiot because you would rather we still have slavery because the people who had no rights as people insisted on having rights. I could keep listing all of the reasons why you are an idiot . But I am wasting my time talking to an idiot.

now i'm for slavery and the end of womans sufferage? you need to go back on your meds, asap.

you know nothing about me, which makes this even funnier.

i get my insurance through the largest non-profit co-op in the nation. i support numerous charities and have been a member of the ACLU for years.

i agree with everything you are trying to accomplish, i just disagree with your means of achieving them. i've closed my bank of america acct and sold all of my shares of any bank involved in the bailout. you claim i just accept what the banks are doing? bank of america they hit me with $245 in overdraft fees (because of the timing of my job transition) so i called the customer service desk and they refunded $200 of it. you have more power than you think if you just call and ask.

battles against the government are always worth fighting, but political battles against corporations are pointless.

I see the corporations have you wrapped around their finger. Sad for you.

so i tell you that i don't do business with corporations as much as possible and you say they have me wrapped around their little finger?

did you even read what i wrote?

even if your campaign to start a run on citibank worked, all you would succeed in doing would be to make the FDIC pick up the tab. the government is a majority owner in the bank and you want it to fail?

no assumptions eh? you claim i have no empathy, but you are again making assumptions. i was unemployed for 4 months this year and when i did find a job, it was at a 40% pay cut. it took me so long to find a job that my wife and i had to move into an apartment that was half the size and less convenient. so, do you still think that i don't empathize with your financial struggles?

its about accepting the cards you are dealt in a mature, reasonable way. we are all making sacrifices in this economy, so you aren't unique. all i want is for people to stop wining about their situation and make the difficult decisions in the privacy of their own home.

and i'm not sure if you know this or not, but Congress IS part of We the People. you should know that. if your congressperson voted for the bailouts, vote them out of office and replace them with a progressive.

so yes, i stand by my claims that people are wining and no, there is nothing wrong with me. i'm just tired of all the complaining.

dont feed the troll tbowman! just let twodee fade away.

Twodee is not a troll. You should watch yourself, you just make an ass out of yourself when you make asinine statements like that.

don't feed the troll? I have news for you Nephwrack...twodee was a respected member of this site long before you even knew it existed, and NOBODY here thinks of twodee as a troll, except maybe the actual trolls who are frequently in identity crisis anyway.

as for tbowman131, there is a huge difference between whining and advocating, and if you don't like what people are saying on this site, quit whining about it and get off.

i know the difference between advocating and complaining. i feel this woman is doing the latter... hence my comments.

you are making assumption about my shoes twodee. i too have a high interest rate card and am paying it off instead of whining about how unfair it is that i can't pay my debts. minimum payments are so low that if you can't afford even the minimum payment, you must have lived WAY beyond your means to get to that point.

yes the banks got bailed out but it was We the People who failed to but any legal restrictions on the money.

if you don't like bank of america, jp morgan chase, citibank, or any other bailed out institution, then take your money elsewhere and stop whining like children who've had their toy taken away.

no, if they were evil, they would have RAISED your limit.

you can't have it both ways. either it was "evil" to give credit to those who couldn't afford it or it's "evil" to take it away.

i think they are finally acting responsibly by lowering peoples credit... as for the increase in interest rates, you can lower your costs of borrowing by paying back the money and not borrowing more... i agree that 30% is incredibly usurious, but it's not illegal (yet)

at the end of the day, there has to be SOME personal responsibility.

Who said anything about having it "both ways"?

I didn't.

What is evil is taking bail out funds and then pulling these moves on people using the "economy problems" as justification to rape people.

All of the funds I had owed to Bank of America were consolidated debt from other cards. I don't really care too much about the lowered credit limit, that is fine with me, but I have never paid late in my life on any credit card and I recently took out a loan on my house and paid all of them off, with the exception of the one that I use to run my business, which gets paid off on a quarterly basis.

I take responsibility with all my finances. I am not some idiot dope who doesn't know how to use credit wisely. In my business credit is essential and I have done everything by the rules to have the highest credit score possible. You can't have a decent credit score unless you have credit cards from a major bank with several thousands of dollars in credit limit. Now you can't even keep that limit unless you regularly use it and pay it off.

In this economy, most people can't do that because cash flow is so bad. I have people renting from me that can't pay their rent because they have lost their jobs, that puts me in a tight spot when I rely on the people paying promptly.

then reserve your rage for the government that makes a 30% apr legal. Bernie Sanders has legislation before the senate right now that would limit interest at 15%

until we make it illegal for banks to rob us, they will continue to do so.

That still does not negate my right to complain.

yes, it does negate it. you had 0% interest before the rate hike. so you basically took free money from them for however long you had the account open. now they want to charge you and that's unfair?

ignorant

WRONG< WRONG

My original credit limit was $10,000. The 0% was for a one year period and the original interest rate on the card was going to be 9.99% after the year. I was never late and I always paid more than the minimum. Before the promotional period was over, they sent me a letter telling me that the interest rate was going to a variable rate and that once the promotional period was over, the interest rate would be 21.99%. That was a violation of the terms upon which i accepted the card in the first place. So I scrambled to borrow cheaper money from a private source to pay off that fucking card.

After I paid off the card, they lowered my credit limit to $2000 and sent me a letter telling me that the interest rate was going up to 30%.

I have every right to complain about what is clearly a scam by BofA to entice people to consolidate their debt on then jack up the rates so they can never pay off the card. If I didn't protect my credit like I do, I would not have had the opportunity to access the other sources of loans.

Ping pong back to you, obviously you are ignorant to make so many assumptions about people you don't know.

at what point did bank of america force you to accept the new terms (i.e. the rate increase to 21.99%)? you got a letter, as twodee mentions, saying that you could keep your current rate but close the account to new purchases. if you didn't want the variable rate, you didn't have to accept it. if you didn't read the fine print, it's your fault. it's not BoA scamming you.

and what assumptions did i make? all i said was that you got money at 0%, which you did.

and why do you need to borrow so much money? why don't you save first and use money that you have?

at the end of the day, no one forced you to build up debt. and the fact that you were using promotional rates and then transferring the balance to new cards was you playing the system that is now playing you.

As I said before, obviously you don't own a small business. Debt is the way you make money. Its called capitalism using other peoples money to make money.

I don't just run up debt for the hell of it or to live beyond my means. I own investment property and I need credit in order to fix up those properties. Before the housing bubble, my business was flipping homes.

You don't know what you are talking about and you just proved my point that you do make an awful lot of assumptions. You are arrogant and this conversation is over. I don't have to justify myself to you or divulge my personal business to you to prove a point.

Clearly you are here to be an obstructionist in this conversation, you are not here to find common ground.

you flipped houses?! thank you for doing your part to create the crisis we are in. i hope you go bankrupt.

you just gave the perfect summary of what's wrong with capitalism: "Debt is the way you make money. Its called capitalism using other peoples money to make money."

i thought capitalism was about competition and innovation, not using other peoples money to make money. no wonder our contry is broke...

LOL thank you for crediting me with being the cause of our countries financial worries because of the business I am in. I am a general contractor. I buy houses that other people have fucked up and fix them so nicer people can move in them. I don't gouge people, I provide a service.

What you said about Capitalism is the part that is trumpeted as the ideal of capitalism, but the reality is what I described, debt. What do you think that banks are doing with the bailout funds they got, using our money to make money. You fool. I am glad you are disappointed, perhaps you needed a wake up call to realize that capitalism is a pipe dream.

I've seen letters like this from CaptialOne. It's all too true. Yeah, she looks like a tea bagger. So what? She's right.

So tea-baggers have a particular look now? I can assure you that she is absolutely not a tea-bagger, quite the contrary.

You obviously don't own a small business.

Do you not have "reloadable" credit cards in the US? Credit cards to which you "feed" money, from which you cannot over-spend, which do not run up a credit? With such cards, you put in only the amount of money you want, the amount you know you'll need next, even for travels - there now are special "Travel Cards" on that same principle, they replace travelers' cheques and offer the same guarantee as traveler's cheques.

yeah we have those here

They all do it..

Name one.

word up. i use a debit card and refuse to pay anything credit on it.