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Report: #432458

Complaint Review: Bank Of America - Wilmington Delaware

  • Submitted:
  • Updated:
  • Reported By: milwaukee Wisconsin
  • Author Confirmed What's this?
  • Why?
  • Bank Of America Wilmington, Delaware U.S.A.

Bank Of America When is "payment due date" not a due date? Wilmington Delaware

*Consumer Comment: Newfenoix,

*Consumer Comment: Susan,

*Consumer Comment: MADONNA POEM...

*Consumer Comment: "ONE BIG LIE POEM"......

*Consumer Comment: USA POEM....

*Consumer Comment: HANKY-PANKY BEN BERNANKE???

*Consumer Comment: To Jeanski

*Consumer Comment: To Jeanski

*Consumer Comment: To Jeanski

*Consumer Comment: To Jeanski

*Consumer Comment: MADONNA POEM

*Consumer Comment: MADONNA POEM

*Consumer Comment: MADONNA POEM

*Consumer Comment: MADONNA POEM

*Consumer Comment: To Karl...

*Consumer Comment: Leave Karl alone!!!

*Consumer Comment: Leave Karl alone!!!

*Consumer Comment: Leave Karl alone!!!

*Consumer Comment: Leave Karl alone!!!

*Consumer Comment: DEEPAK POEM...

*Consumer Comment: Karl - STOP IT PLEASE

*Consumer Comment: DEEPAK POEM

*Consumer Comment: HARVARD PROFESSOR POEM

*Consumer Comment: CUOMO POEM

*Consumer Comment: PENGUIN POEM

*Consumer Comment: Urgent Alert: 'FEDERAL INCOME TAX POEM'......

*Consumer Comment: URGENT UPDATE for SUSAN!!!!

*Consumer Comment: URGENT UPDATE for SUSAN!!!!

*Consumer Comment: URGENT UPDATE for SUSAN!!!!

*Consumer Comment: SUSAN, I JUST THOUGHT OF SOMETHING!!!!!!

*Consumer Comment: FEDERAL INCOME TAX POEM

*Author of original report: I do in fact have proof that payment was received and held.

*REBUTTAL Individual responds: I do in fact have proof that payment was received and held.

*Consumer Comment: Follow Karl's Advise and....

*Consumer Comment: Susan, There is no LAW that requires an American, who earns a SALARY or a WAGE.......

*Consumer Comment: 'White Mail'- or BLACKMAIL???

Show customers why they should trust your business over your competitors...

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WHEN IS "PAYMENT DUE DATE" NOT A DUE DATE?I recently discovered that even though I was mailing payments 5 to 7 days prior to my "payment due date" via Priority Mail; I was being charged interest. When I called to inquire why...I was told that banks are allowed something called "white mail"...mail that they are allowed to HOLD for up to five days without opening it.

So even tho' I was able to track my payment and find that it had indeed made it before my due date...it was not opened and credited until two days later. I want to know how this can be? Why aren't consumers furious. What's to keep banks from routinely holding a quantity of this "white mail" and charging interest and late fees? Yes, this is written in your contract that you received when you applied for your credit card.

I'm sure I read it nearly 25 years ago (I've had the card for at least that long) but who remembers that stuff? Especially when I am one who generally pays early; it rarely happens that I pay interest.I'd bet that the majority of credit card holders are not aware of this practice and would be FURIOUS if they did know.How is it that we've let banks, IRS, and various other institutions obtain so much power over our finances.

I want this to STOP. I've had it. A friend of mine was enduring obvious harassment from the IRS and my husband and I were actually AFRAID that we may get called as witnesses and if we stood up for our friend that the next year would find us being audited. This is a REAL concern for many Americans. But back to the issue; white mail. Let's make it stop! Or at the very least require payments to be posted on the date that the mail is received regardless of when these @#$@ banks open it.

Susan
milwaukee, Wisconsin
U.S.A.

This report was posted on Ripoff Report on 03/09/2009 05:37 PM and is a permanent record located here: https://www.ripoffreport.com/reports/bank-of-america/wilmington-delaware-19850/bank-of-america-when-is-payment-due-date-not-a-due-date-wilmington-delaware-432458. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
0Author
35Consumer
1Employee/Owner

#36 Consumer Comment

Newfenoix,

AUTHOR: Karl - (USA)

POSTED: Saturday, December 01, 2012

I agree with what you stated in #16 Consumer Comment about Aaron Russo. He certainly is missed.

After watching Aaron Russo's documentary, entitled 'America: Freedom to Fascism' it becomes clear to anyone with a functioning brain that a cartel of bankers are ultimately in control of the U.S. government, wouldn't you agree?

Feel free to 'Google' the following documentaries and videos and watch them on the web for further proof that a cartel of bankers are ultimately in control of the U.S. government, Wall Street, and even the price of oil-

1) FRONTLINE: MONEY, POWER AND WALL STREET
2) FRONTLINE: THE WARNING
3) FULL SHOW: HOW BIG BANKS ARE REWRITING THE RULES OF OUR ECONOMY
4) WHO OWNS THE FED BANK, WHO CONTROLS WHO VIDEO
5) DID SPECULATION FUEL OIL PRICE SWINGS

Then 'Google' this- WHO OWNS THE FED, and go to the site with the five charts. (These are the same charts being displayed at the beginning of video #4 above.)

Finally, make sure to 'Google' this- THE ASCENT OF MONEY PBS, and watch the episode entitled 'Bonds of War' on the web in order to understand what is about to happen in the USA, Europe, and all over the world in the near future, okay?

Happy Holidays!

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#35 Consumer Comment

Susan,

AUTHOR: Karl - (USA)

POSTED: Thursday, October 25, 2012

Are you beginning to understand that a cartel of bankers are ultimately in control of the U.S. Government, Wall Street, and even the price of oil?

If not, simply 'Google' the following videos and watch them on the web for proof-

1) FRONTLINE: MONEY, POWER AND WALL STREET
2) WHO OWNS THE FED BANK, WHO CONTROLS WHO VIDEO
3) AMERICA: FREEDOM TO FASCISM
4) FULL SHOW: HOW BIG BANKS ARE REWRITING THE RULES OF OUR ECONOMY
5) FRONTLINE: THE WARNING
6) DID SPECULATION FUEL OIL PRICE SWINGS

These same bankers also control the governments of Europe and the stock markets in Europe. That is precisely why we will experience another collapse of the system in the near future, in my opinion. 

Have a nice day.

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#34 Consumer Comment

MADONNA POEM...

AUTHOR: Karl - (USA)

POSTED: Saturday, February 11, 2012

is available in the consumer comments section at this Ripoff Report.

Thank You

***NATIONWIDE LETTER ALERT: Feel free to type in the following numbers at this site and read the Ripoff Reports, which are letters, and spread them all over the web at sites like Twitter and Facebook-

555030
563072

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#33 Consumer Comment

"ONE BIG LIE POEM"......

AUTHOR: Karl - (USA)

POSTED: Thursday, February 17, 2011

is available at this website!

*Just type in 608350 and it appears as 'Consumer Comment #21' at Ripoff Report #608350.

Thank You

P.S. Ronny G, Please make sure to read what is stated in 'Consumer Comment #8' at this Ripoff Report.

Have a nice day, Ronny G.

************************************  TAX ALERT  ***********************************
*Anyone can stay at this site and type in 502469 and go to 'Consumer Comment #30' and read- "FEDERAL INCOME TAX POEM".

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#32 Consumer Comment

USA POEM....

AUTHOR: Karl - (U.S.A.)

POSTED: Tuesday, May 12, 2009

can be read by anyone in the WORLD!

Simply 'Google' this- RIP OFF REPORT TOYOTA MOTOR CORPORATION USA MANIPULATION, and 'USA POEM' appears as an 'Update' to Charlene's Rip Off Report.

POWER TO THE PEOPLE

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#31 Consumer Comment

HANKY-PANKY BEN BERNANKE???

AUTHOR: Karl - (U.S.A.)

POSTED: Friday, April 24, 2009

'Google' this- LEWIS: PAULSON AND BERNANKE URGED SILENCE, and read the CNNMoney.com article from yesterday, and YOU decide!

Thank you.

'Google' this to read 'FED POEM 2'- RIP OFF REPORT BANK OF AMERICA JP MORGAN CHASE BEAR STEARNS CITIGROUP, and that poem appears as an 'Update' to that Ripoff Report about 'secret life insurance policies' that were being taken out on former & current bank employees!!!

You can try 'Googling' this- HANKY PANKY BERNANKE RIP OFF, and you might get to a Ripoff Report. Try it, you might like it!!!

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#30 Consumer Comment

To Jeanski

AUTHOR: Ken - (U.S.A.)

POSTED: Tuesday, April 14, 2009

You can save your breath. He is clearly not playing with a full deck, and is going to try and highjack every post that he can with his garbage. I suppose that he has to use other people's posts, because who would read a post that he originated?

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#29 Consumer Comment

To Jeanski

AUTHOR: Ken - (U.S.A.)

POSTED: Tuesday, April 14, 2009

You can save your breath. He is clearly not playing with a full deck, and is going to try and highjack every post that he can with his garbage. I suppose that he has to use other people's posts, because who would read a post that he originated?

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#28 Consumer Comment

To Jeanski

AUTHOR: Ken - (U.S.A.)

POSTED: Tuesday, April 14, 2009

You can save your breath. He is clearly not playing with a full deck, and is going to try and highjack every post that he can with his garbage. I suppose that he has to use other people's posts, because who would read a post that he originated?

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#27 Consumer Comment

To Jeanski

AUTHOR: Ken - (U.S.A.)

POSTED: Tuesday, April 14, 2009

You can save your breath. He is clearly not playing with a full deck, and is going to try and highjack every post that he can with his garbage. I suppose that he has to use other people's posts, because who would read a post that he originated?

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#26 Consumer Comment

MADONNA POEM

AUTHOR: Karl - (U.S.A.)

POSTED: Friday, April 10, 2009

MADONNA POEM

There once was a woman
She would sing and she'd dance
Her name was Madonna
She looked great in tight pants!

She made everyone happy
We'd 'get into the groove'
Everyone on the dance floor
She'd make all of us move.

An American hero
She's a beautiful thing
Only one name- Madonna
Like another one- Sting

She was touched by an angel
A child's life fell apart
So Madonna to the rescue
'Cause she has a big heart!

What's going on in this world
All about money and greed
So many children are hungry
So many little ones in need!

We need lots more Madonnas
And more men like Brad Pitt
So I'll keep writin' poems
'Cause you know I won't quit!

Guess this poem is over
It's the one for Madonna
She's got power and energy
Simply put- she's got prana!

End.

'prana' (definition) - Vital energy, the power of life; the essential substrate of all forms of energy.

POWER TO THE PEOPLE

'When love first tasted the lips of being human it started singing.' - Rumi

'You are what your deep driving desire is. As your desire is, so is your will. As your will is, so is your deed. As your deed is, so is your destiny.' - Brihadaranyaka

'The Art Of Peace is the religion that is not a religion; it perfects and completes all religions.' - Morihei Ueshiba

''Great spirits have always encountered violent opposition with mediocre minds.' - Albert Einstein

'A single point in the heart can expand to liberate the world.' - Deepak Chopra

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#25 Consumer Comment

MADONNA POEM

AUTHOR: Karl - (U.S.A.)

POSTED: Friday, April 10, 2009

MADONNA POEM

There once was a woman
She would sing and she'd dance
Her name was Madonna
She looked great in tight pants!

She made everyone happy
We'd 'get into the groove'
Everyone on the dance floor
She'd make all of us move.

An American hero
She's a beautiful thing
Only one name- Madonna
Like another one- Sting

She was touched by an angel
A child's life fell apart
So Madonna to the rescue
'Cause she has a big heart!

What's going on in this world
All about money and greed
So many children are hungry
So many little ones in need!

We need lots more Madonnas
And more men like Brad Pitt
So I'll keep writin' poems
'Cause you know I won't quit!

Guess this poem is over
It's the one for Madonna
She's got power and energy
Simply put- she's got prana!

End.

'prana' (definition) - Vital energy, the power of life; the essential substrate of all forms of energy.

POWER TO THE PEOPLE

'When love first tasted the lips of being human it started singing.' - Rumi

'You are what your deep driving desire is. As your desire is, so is your will. As your will is, so is your deed. As your deed is, so is your destiny.' - Brihadaranyaka

'The Art Of Peace is the religion that is not a religion; it perfects and completes all religions.' - Morihei Ueshiba

''Great spirits have always encountered violent opposition with mediocre minds.' - Albert Einstein

'A single point in the heart can expand to liberate the world.' - Deepak Chopra

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#24 Consumer Comment

MADONNA POEM

AUTHOR: Karl - (U.S.A.)

POSTED: Friday, April 10, 2009

MADONNA POEM

There once was a woman
She would sing and she'd dance
Her name was Madonna
She looked great in tight pants!

She made everyone happy
We'd 'get into the groove'
Everyone on the dance floor
She'd make all of us move.

An American hero
She's a beautiful thing
Only one name- Madonna
Like another one- Sting

She was touched by an angel
A child's life fell apart
So Madonna to the rescue
'Cause she has a big heart!

What's going on in this world
All about money and greed
So many children are hungry
So many little ones in need!

We need lots more Madonnas
And more men like Brad Pitt
So I'll keep writin' poems
'Cause you know I won't quit!

Guess this poem is over
It's the one for Madonna
She's got power and energy
Simply put- she's got prana!

End.

'prana' (definition) - Vital energy, the power of life; the essential substrate of all forms of energy.

POWER TO THE PEOPLE

'When love first tasted the lips of being human it started singing.' - Rumi

'You are what your deep driving desire is. As your desire is, so is your will. As your will is, so is your deed. As your deed is, so is your destiny.' - Brihadaranyaka

'The Art Of Peace is the religion that is not a religion; it perfects and completes all religions.' - Morihei Ueshiba

''Great spirits have always encountered violent opposition with mediocre minds.' - Albert Einstein

'A single point in the heart can expand to liberate the world.' - Deepak Chopra

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#23 Consumer Comment

MADONNA POEM

AUTHOR: Karl - (U.S.A.)

POSTED: Friday, April 10, 2009

MADONNA POEM

There once was a woman
She would sing and she'd dance
Her name was Madonna
She looked great in tight pants!

She made everyone happy
We'd 'get into the groove'
Everyone on the dance floor
She'd make all of us move.

An American hero
She's a beautiful thing
Only one name- Madonna
Like another one- Sting

She was touched by an angel
A child's life fell apart
So Madonna to the rescue
'Cause she has a big heart!

What's going on in this world
All about money and greed
So many children are hungry
So many little ones in need!

We need lots more Madonnas
And more men like Brad Pitt
So I'll keep writin' poems
'Cause you know I won't quit!

Guess this poem is over
It's the one for Madonna
She's got power and energy
Simply put- she's got prana!

End.

'prana' (definition) - Vital energy, the power of life; the essential substrate of all forms of energy.

POWER TO THE PEOPLE

'When love first tasted the lips of being human it started singing.' - Rumi

'You are what your deep driving desire is. As your desire is, so is your will. As your will is, so is your deed. As your deed is, so is your destiny.' - Brihadaranyaka

'The Art Of Peace is the religion that is not a religion; it perfects and completes all religions.' - Morihei Ueshiba

''Great spirits have always encountered violent opposition with mediocre minds.' - Albert Einstein

'A single point in the heart can expand to liberate the world.' - Deepak Chopra

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#22 Consumer Comment

To Karl...

AUTHOR: Jeanski - (U.S.A.)

POSTED: Tuesday, April 07, 2009

Karl, I am all for free speech. I served in the military to defend your right to spout your paranoid nonsense. The point I was trying to make was that your poems are irrelevent to this posting, as they are to many others. As I stated elsewhere, there are more appropriate forums in which to engage in these kind of dialogues. The purpose of Rip Off Report is for consumers to help each other with constructive advice and support. Your postings do neither. While they are informative, they are inappropriate to the forum. You, Rita, Charles.... you all need to find another way to work through your issues.

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#21 Consumer Comment

Leave Karl alone!!!

AUTHOR: Newfenoix - (U.S.A.)

POSTED: Monday, April 06, 2009

He is right, watch the film. Aaron Russo is much missed.

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#20 Consumer Comment

Leave Karl alone!!!

AUTHOR: Newfenoix - (U.S.A.)

POSTED: Monday, April 06, 2009

He is right, watch the film. Aaron Russo is much missed.

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#19 Consumer Comment

Leave Karl alone!!!

AUTHOR: Newfenoix - (U.S.A.)

POSTED: Monday, April 06, 2009

He is right, watch the film. Aaron Russo is much missed.

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#18 Consumer Comment

Leave Karl alone!!!

AUTHOR: Newfenoix - (U.S.A.)

POSTED: Monday, April 06, 2009

He is right, watch the film. Aaron Russo is much missed.

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#17 Consumer Comment

DEEPAK POEM...

AUTHOR: Karl - (U.S.A.)

POSTED: Monday, April 06, 2009

and 'CUOMO POEM' and 'HARVARD PROFESSOR POEM' are posted right here for everyone to read.

Thank you.

P.S. Jeanski, There is NO LAW against posting as many Updates as I'd like in the Updates section here, at Ripoffreport.com, the last time I checked all the laws regarding 'FREEDOM OF SPEECH'.

So guess what? No one will be able to stop me, because it's my 'right' as an American to speak-out!!! I'll just post more & more & more & more............., O.K.?

Sting spoke out, right?
Peter Gabriel spoke out, correct?
Bob Dylan spoke out, didn't he?
Madonna spoke out too, huh?

More poems coming soon!

I'm a poet on a mission, and I approve this Update!

POWER TO THE PEOPLE

'Stand up all you Googlers in the world....stand up and be counted...every boy and every girl. Stand up all you Googlers in the world....we're startin' up a brand new day.' - Sting, from his CD- 'Brand New Day'

'The grand facade...so soon will burn.' - Peter Gabriel

'The times, they are a changin' - Dylan

'Everybody spread the word....we're gonna have a celebration. All across the world....in every nation.' - Madonna

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#16 Consumer Comment

Karl - STOP IT PLEASE

AUTHOR: Jeanski - (U.S.A.)

POSTED: Monday, April 06, 2009

Karl,
Your poems are irrelevant to the OP and really annoying. Please stop posting them!

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#15 Consumer Comment

DEEPAK POEM

AUTHOR: Karl - (U.S.A.)

POSTED: Monday, April 06, 2009

DEEPAK POEM

This poem's about a very great man
I saw him one evening in Boulder
Had the top down that night- it was warm
I'll even drive with it down when it's colder.

He's a cardiologist who lived in the East
Fixes hearts and really likes to write books
A true healer who helps all the people
Not a CEO or one of those crooks!

I was never really much of a reader
Rather be driving and screechin' some tire
Then one day read a book by Deepak Chopra
'The Spontaneous Fulfillment of Desire'

Kept on reading it over and over
All the sudden everything became clear
I was just like a Porsche 911
But was stuck in a very low gear.

The shift had been made- so I floored it
Over 150 on that dry mountain road
All six cylinders were screaming so loudly
Felt the 'prana' inside me EXPLODE!

I can do it- it's really quite easy
YOU can do it- I know that it's true
No more 'One Fish' or 'Two Fish' or 'Red Fish'
The whole universe is inside of you!

I guess that this poem is over
Can't think of much more I can say
Time to read one more book by that healer
Here's the title- 'Peace Is The Way'

End.

'There is no way to peace. Peace is the way.' - Mahatma Gandhi

'Past knowledge is the soil in which the future can grow. And depending on how one nurtures the soil the future grows accordingly.' - F. A. Porsche

'The Art Of Peace is medicine for a sick world. There is evil and disorder in the world because people have forgotten that all things emanate from one source. Return to that source and leave behind all self-centered thoughts, petty desires, and anger. Those who are possessed by nothing possess everything.' - Morihei Ueshiba

'Everything in the universe is within YOU. Ask all from yourself.' - Rumi

'Nothing comes from violence, and nothing ever could.' - Sting


'prana' (definition) - Vital energy, the power of life; the essential substrate of all forms of energy.

POWER TO THE PEOPLE

Namaste.

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#14 Consumer Comment

HARVARD PROFESSOR POEM

AUTHOR: Karl - (U.S.A.)

POSTED: Tuesday, March 17, 2009

HARVARD PROFESSOR POEM

There once was a man
He was a Harvard Professor
His brain never stopped working
It had a built-in compressor.

He knew about DECEPTION & FRAUD
Knew about LIES & CORRUPTION
He knew the market would BLOW
One big financial eruption!!!

Now our country's collapsing
We hear cries, shouts & moans
Blame it on fraud & corruption
And DECEPTIVE HOME LOANS!

But the big-shots don't care
They made MILLIONS, it's true
Lowered your stocks & RETIREMENTS
Now they're LAUGHING at you!!!

The Professor teaches what's right
But most will DO what is wrong
CEO's think that they're KING
Now we know they're just KONG!

Now we all understand
It's man's love for the DOLLAR
Forgetting one's lessons from the Professor
A great man who's a scholar!

Time to wrap this one up
Put an end to this poem
This is for the Harvard Professor
I hope someday we'll know him!

End.

Make sure to 'Google' this- RIP OFF REPORT FUEL FREEDOM INTERNATIONAL MPG CAPS, and go to the 2001 Toyota Tacoma Ripoff Report, & then to the 'Update' entitled- 'Blame it on a Lawyer', which was posted on 8-21-2007 & read what the Professor said to his class of EXECUTIVES back in late 2004.

It all came true, didn't it?

Go Harvard!

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#13 Consumer Comment

CUOMO POEM

AUTHOR: Karl - (U.S.A.)

POSTED: Sunday, March 15, 2009

CUOMO POEM

There once was a man
Andrew Cuomo was his name
Fighting fraud & corruption
Was the name of his game.

He exposed BOA & Merrill
Many others, it's true
He'd expose Aunt Jemima's syrup
If it wasn't good for you!

This guy's just like Rambo
So simply give him a call
He'll start serving those subpoenas
And the bad guys will fall!

He's a true American hero
Starts his day with some Wheaties
Fighting fraud & corruption
And not messin' with the sweeties!

I'm glad we have Cuomo
Too bad there aren't more
While our troops are in Iraq
He's fighting a MUCH BIGGER war!

It's the war against CRIME
It's the war against FRAUD
It's the war against EVIL
You know- the devil, not God.

This poem is over
I kept this one short
No guns or missiles needed
Cuomo's taking 'em to court!

End.

Coming next- HARVARD PROFESSOR POEM

In order to prepare for 'HARVARD PROFESSOR POEM', it would be best to 'Google' this- A CREDIT CARD YOU WANT TO TOSS, and read 'THIRD QUARTER POEM', & '4th QUARTER POEM'.

'THIRD QUARTER POEM' was posted in the comments section on September 2nd 2008 at 10:36 PM

'4th QUARTER POEM' was posted there on November 14th 2008 at 2:31 PM

Have a nice week!

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#12 Consumer Comment

PENGUIN POEM

AUTHOR: Karl - (U.S.A.)

POSTED: Friday, March 13, 2009

PENGUIN POEM

There once was a Penguin
Who could really stop that puck
He played hockey 'cause he loved it
Not because he wanted to make a buck.

Those Red Wings kept shooting
They were trying to score
But that Penguin kept moving
He said- 'Give me some more!'

A wrist-shot, a slap-shot
He was stopping them all
He carried his whole team
He was standing so tall!

'Game 6' is soon coming
Both teams will EXPLODE
The Penguins are home
The Wings on the road.

Now that's entertainment
Coming together as one
A true love for the game
A great game that's so fun!

My poem is over
Can't wait for 'Game 6'
Where true warriors will play
On the ice with their sticks!!!

End.

'PENGUIN POEM' was inspired by the goalie's play in 'Game 5' last year in the Stanley Cup Playoffs between the Pittsburgh Penguins & the Detroit Red Wings.

POWER TO THE PEOPLE

Coming next- CUOMO POEM

This poem will be about the only man in the USA who is TRUELY 'for' the PEOPLE of the United States of America, in my opinion!!! His name is Andrew Cuomo, Attorney General of New York.

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#11 Consumer Comment

Urgent Alert: 'FEDERAL INCOME TAX POEM'......

AUTHOR: Karl - (U.S.A.)

POSTED: Thursday, March 12, 2009

is posted right here, in the 'Updates' section!

SPREAD IT ALL OVER THE WORLDWIDE WEB!

Thank you.

Coming next: 'PENGUIN POEM'

In order to prepare for 'PENGUIN POEM', you should go back to last year's Game #5, and watch the Penguins vs. Red Wings game in the Stanley Cup Playoffs. I was inspired by that game to write PENGUIN POEM.

It hasn't been posted anywhere, except as a comment under a BusinessWeek Article last year, but BusinessWeek decided NOT to post it. Probably because it's not business related, I guess?

Coming next- 'PENGUIN POEM'

Stay tuned!

POWER TO THE PEOPLE

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#10 Consumer Comment

URGENT UPDATE for SUSAN!!!!

AUTHOR: Karl - (U.S.A.)

POSTED: Wednesday, March 11, 2009

Susan,

Today, March 11th, at 12:15 MST I met with a Certified Public Accountant in Castle Rock, Colorado. She has many years of experience as an Accountant, and specializes in preparing TAXES for companies, corporations, & individuals.

I asked her this question- 'Is there a LAW that requires an American, who earns a SALARY, or a WAGE, on his or her LABOR, to pay Federal Income TAX?'

She replied- 'No. There is no such LAW.'

Then I said this- 'Then why are there people in jail regarding this issue?'

She DID this- She grabbed a Federal Income TAX Return, and pointed to the area where it says this- QUOTE: 'Under penalties of perjury, I declare that I have..........'

And then she said that THIS is the REASON that people are in jail, or are in TROUBLE, with the IRS.

You see, if you LIE, & CHEAT, then you can get into trouble because you FILED A RETURN that was not true, & now you're on the hook, do you understand? However, she said that there is NO LAW that requires you to FILE, or even PAY, Federal Income TAX. It's on a 'voluntary compliance' basis. And the main REASON that so many Americans do file is because the COMPANIES & CORPORATION where they WORK take the money (taxes) out of their PAYCHECKS!!!!

HOWEVER, She stated that THERE ISN'T A LAW THAT REQUIRES an American who earns a SALARY, or a WAGE, on his or her LABOR, to FILE, & PAY, Federal Income TAX! She did say that the IRS could make one's life very miserable, & will sometimes seize property, and other things. I guess that people have simply become intimidated by them, huh?

You can believe whoever you'd like. I believe her, & I believe that Aaron Russo's documentary is TRUE & ACCURATE. (AMERICA: FREEDOM TO FASCISM) You can 'Google' it & watch it on the web!

I hope EVERYONE has the ability to pay DOUBLE this year so our governnment can continue to PROTECT, & SERVE us, don't you?

GUESS WHAT? SPRING IS ALMOST HERE!!! And that means I'll-

See you on the 'Peak to Peak' Highway- There is no substitute!

Good luck to everyone, and don't forget to read 'USA POEM'

Simply 'Google' this- RIP OFF REPORT TOYOTA MOTOR CORPORATION USA MANIPULATION, and 'USA POEM' is an 'Update' to Charlene's Ripoff Report.

POWER TO THE PEOPLE

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#9 Consumer Comment

URGENT UPDATE for SUSAN!!!!

AUTHOR: Karl - (U.S.A.)

POSTED: Wednesday, March 11, 2009

Susan,

Today, March 11th, at 12:15 MST I met with a Certified Public Accountant in Castle Rock, Colorado. She has many years of experience as an Accountant, and specializes in preparing TAXES for companies, corporations, & individuals.

I asked her this question- 'Is there a LAW that requires an American, who earns a SALARY, or a WAGE, on his or her LABOR, to pay Federal Income TAX?'

She replied- 'No. There is no such LAW.'

Then I said this- 'Then why are there people in jail regarding this issue?'

She DID this- She grabbed a Federal Income TAX Return, and pointed to the area where it says this- QUOTE: 'Under penalties of perjury, I declare that I have..........'

And then she said that THIS is the REASON that people are in jail, or are in TROUBLE, with the IRS.

You see, if you LIE, & CHEAT, then you can get into trouble because you FILED A RETURN that was not true, & now you're on the hook, do you understand? However, she said that there is NO LAW that requires you to FILE, or even PAY, Federal Income TAX. It's on a 'voluntary compliance' basis. And the main REASON that so many Americans do file is because the COMPANIES & CORPORATION where they WORK take the money (taxes) out of their PAYCHECKS!!!!

HOWEVER, She stated that THERE ISN'T A LAW THAT REQUIRES an American who earns a SALARY, or a WAGE, on his or her LABOR, to FILE, & PAY, Federal Income TAX! She did say that the IRS could make one's life very miserable, & will sometimes seize property, and other things. I guess that people have simply become intimidated by them, huh?

You can believe whoever you'd like. I believe her, & I believe that Aaron Russo's documentary is TRUE & ACCURATE. (AMERICA: FREEDOM TO FASCISM) You can 'Google' it & watch it on the web!

I hope EVERYONE has the ability to pay DOUBLE this year so our governnment can continue to PROTECT, & SERVE us, don't you?

GUESS WHAT? SPRING IS ALMOST HERE!!! And that means I'll-

See you on the 'Peak to Peak' Highway- There is no substitute!

Good luck to everyone, and don't forget to read 'USA POEM'

Simply 'Google' this- RIP OFF REPORT TOYOTA MOTOR CORPORATION USA MANIPULATION, and 'USA POEM' is an 'Update' to Charlene's Ripoff Report.

POWER TO THE PEOPLE

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#8 Consumer Comment

URGENT UPDATE for SUSAN!!!!

AUTHOR: Karl - (U.S.A.)

POSTED: Wednesday, March 11, 2009

Susan,

Today, March 11th, at 12:15 MST I met with a Certified Public Accountant in Castle Rock, Colorado. She has many years of experience as an Accountant, and specializes in preparing TAXES for companies, corporations, & individuals.

I asked her this question- 'Is there a LAW that requires an American, who earns a SALARY, or a WAGE, on his or her LABOR, to pay Federal Income TAX?'

She replied- 'No. There is no such LAW.'

Then I said this- 'Then why are there people in jail regarding this issue?'

She DID this- She grabbed a Federal Income TAX Return, and pointed to the area where it says this- QUOTE: 'Under penalties of perjury, I declare that I have..........'

And then she said that THIS is the REASON that people are in jail, or are in TROUBLE, with the IRS.

You see, if you LIE, & CHEAT, then you can get into trouble because you FILED A RETURN that was not true, & now you're on the hook, do you understand? However, she said that there is NO LAW that requires you to FILE, or even PAY, Federal Income TAX. It's on a 'voluntary compliance' basis. And the main REASON that so many Americans do file is because the COMPANIES & CORPORATION where they WORK take the money (taxes) out of their PAYCHECKS!!!!

HOWEVER, She stated that THERE ISN'T A LAW THAT REQUIRES an American who earns a SALARY, or a WAGE, on his or her LABOR, to FILE, & PAY, Federal Income TAX! She did say that the IRS could make one's life very miserable, & will sometimes seize property, and other things. I guess that people have simply become intimidated by them, huh?

You can believe whoever you'd like. I believe her, & I believe that Aaron Russo's documentary is TRUE & ACCURATE. (AMERICA: FREEDOM TO FASCISM) You can 'Google' it & watch it on the web!

I hope EVERYONE has the ability to pay DOUBLE this year so our governnment can continue to PROTECT, & SERVE us, don't you?

GUESS WHAT? SPRING IS ALMOST HERE!!! And that means I'll-

See you on the 'Peak to Peak' Highway- There is no substitute!

Good luck to everyone, and don't forget to read 'USA POEM'

Simply 'Google' this- RIP OFF REPORT TOYOTA MOTOR CORPORATION USA MANIPULATION, and 'USA POEM' is an 'Update' to Charlene's Ripoff Report.

POWER TO THE PEOPLE

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#7 Consumer Comment

SUSAN, I JUST THOUGHT OF SOMETHING!!!!!!

AUTHOR: Karl - (U.S.A.)

POSTED: Wednesday, March 11, 2009

After reading your most recent Update it made me think that the constitution of the United States may have been interpreted by the government in an INNCORRECT fashion, right? Since there seems to be no LAW that requires an American who earns a SALARY, or a WAGE, on his or her LABOR to pay Federal Income TAX, perhaps there's been a COMPLETE misunderstanding by our government, correct?

It seems as though our lives HAVE been controlled by 'contracts', which you stated in your Update, huh? But if these CONTRACTS actually prove to be NOT VALID, then almost everything we believed to be TRUE in America is really one big LIE, correct?

If that were the case, then the USA would COLLAPSE, wouldn't it? Because once a LIE is exposed, it will create opinions; NEGATIVE OPINIONS! These 'negative opinions' will eventually trigger the COLLAPSE, right?

It's almost EXACTLY what's taking place in the USA right now, isn't it?

WOW! What an exciting time in our country's history, and in its present, & even in its FUTURE, huh?

'The truth was obscure, too profound and too pure; to live it you have to EXPLODE!' - Dylan

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#6 Consumer Comment

FEDERAL INCOME TAX POEM

AUTHOR: Karl - (U.S.A.)

POSTED: Wednesday, March 11, 2009

FEDERAL INCOME TAX POEM


Always pay your taxes
You can even pay DOUBLE
This will make certain
That you won't get in TROUBLE!

Follow the LAWS
Read the constitution
Donate to the politicians
They want PROSTITUTION!!!

Believe in this country
Always pay your dues
Make sure to type in NOTTINGHAM
When you go to 9NEWS

Read all about it
Make your own interpretation
Look who was served a SEARCH WARRANT
Microsoft Corporation!

This poem is over
Gotta go sharpen my axes
Then I'll make a nice sandwich
As I prepare all my TAXES!!!

End.

Make sure to go to www.9news.com and type in- NEW WARRANT SERVED IN CONNECTION TO PROSTITUTION RING, and read the March 20th 2008 story. Also type in NOTTINGHAM, and read all the related stories about Federal Judge Edward Nottingham who was appointed to his position for life by the President of the United States.

WELCOME TO AMERICA- IN FRAUD WE TRUST!

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#5 Author of original report

I do in fact have proof that payment was received and held.

AUTHOR: Susan - (U.S.A.)

POSTED: Wednesday, March 11, 2009

First, let me start by thanking you for your comments. Second, yes I do have "proof" that my payments were received prior to the "due date" posted on my statement. Due to the ability to track receipt of Priority Mail I have on a number of occasions called to complain that I was charged interest and yet my payment was received prior to the "due date". On those occasions I have had my account credited the interest and made to feel that they had done me a HUGE favor. Yes, I'm aware of the correct way to pay a bill...I'm nearly 55 and have been paying bills in a timely fashion for most of my life. And if by some chance I've misunderstood that policy; then doesn't it seem that it may be just a little vague? Don't most people interpret a due date of the 15th for example as meaning that "if I get my money to them by the 15th, I've paid by the due date"? How is it that "due date" requires close study to determine it's true meaning? I have a college education...how do people that have not had the advantage of perhaps even high school manage these vagaries? (I don't mean that last statement to be condescending...it's an honest thought.) It's my opinion that the banks don't care...they rely on us to be passive; to just give up...to quit fighting. It does seem to be a never ending battle to ensure that we are not being taken advantage of. Yes, it is our responsibility as adults and Americans to know what our "contracts" say. The problem is that our lives have become one big contract and it's nearly impossible to stay current on all fronts. Why should I worry that if I send a payment in TEN days prior to the due date that it won't be credited on or before the due date? Why is it my job to monitor their a companies mail department? Why should I worry that if I send an overnight express mailing 5 days prior to the due date that it would be held an additional five days just because they are making so much money that they don't have time to count it all? It's ludicrous. I'm just a normal everyday housewife, not a CPA, not a banker, not anyone special. Just someone who works really hard for her money and wants my country, my bank, my vendors to treat me fairly. I don't want to be the "due date" police. Am I alone in feeling this way?

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#4 REBUTTAL Individual responds

I do in fact have proof that payment was received and held.

AUTHOR: Susan - (U.S.A.)

POSTED: Wednesday, March 11, 2009

First, let me start by thanking you for your comments. Second, yes I do have "proof" that my payments were received prior to the "due date" posted on my statement. Due to the ability to track receipt of Priority Mail I have on a number of occasions called to complain that I was charged interest and yet my payment was received prior to the "due date". On those occasions I have had my account credited the interest and made to feel that they had done me a HUGE favor. Yes, I'm aware of the correct way to pay a bill...I'm nearly 55 and have been paying bills in a timely fashion for most of my life. And if by some chance I've misunderstood that policy; then doesn't it seem that it may be just a little vague? Don't most people interpret a due date of the 15th for example as meaning that "if I get my money to them by the 15th, I've paid by the due date"? How is it that "due date" requires close study to determine it's true meaning? I have a college education...how do people that have not had the advantage of perhaps even high school manage these vagaries? (I don't mean that last statement to be condescending...it's an honest thought.) It's my opinion that the banks don't care...they rely on us to be passive; to just give up...to quit fighting. It does seem to be a never ending battle to ensure that we are not being taken advantage of. Yes, it is our responsibility as adults and Americans to know what our "contracts" say. The problem is that our lives have become one big contract and it's nearly impossible to stay current on all fronts. Why should I worry that if I send a payment in TEN days prior to the due date that it won't be credited on or before the due date? Why is it my job to monitor their a companies mail department? Why should I worry that if I send an overnight express mailing 5 days prior to the due date that it would be held an additional five days just because they are making so much money that they don't have time to count it all? It's ludicrous. I'm just a normal everyday housewife, not a CPA, not a banker, not anyone special. Just someone who works really hard for her money and wants my country, my bank, my vendors to treat me fairly. I don't want to be the "due date" police. Am I alone in feeling this way?

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#3 Consumer Comment

Follow Karl's Advise and....

AUTHOR: Robert - (U.S.A.)

POSTED: Tuesday, March 10, 2009

Go to Prision. Yes Mr. Conspiracy theory is at it again, I really want to know what they put in your water in Colorado. But now Karl is not only just posting consipracies, but giving advise that will in fact end you up in prision. You MUST pay Income tax, this "urban legend" pops up every tax season. The Code(and yes Code is Law) that requires it Title 26 U.S.C. Some specific sections are 26 U.S.C. 1, 26 U.S.C. 1(a).

Karl, if you truly believe you do not have to pay income tax I challenge you to do
the following.

Send in the following to the Admin of RipOffReport this includes
Full Name
Address
SSN
Along with a sworn declaration that you are not required and do not pay Income tax

The Admin will then post a response here that says you did in fact do that and your information and declaration was forwarded to the IRS. You then need to post the offical response from the IRS, that is if they have computers in Federal Prision.

Of course this only works if you actually do have a job and earn enough that would require you to pay Income Tax.

-------------
Now this post by Karl had NOTHING to do with the original post(except for the fact that the OP used the words IRS in one sentence).

So as to that issue. Payments are covered under the Fair Credit Billing Act.

4 164. Prompt crediting of payments.
Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligor's account as specified in regulations of the Board. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligor's payment in readily identifiable form in the amount, manner, location, and time indicated by the creditor to avoid the imposition thereof.

"prompt" has generally come to mean upon receipt, IF you are following the instructions for payments. "White Mail" is mail that was not sent per the instructions, and yes by law they can hold this for up to 5 days. Generally a creditor will have special mail(overnight,priority) sent to another address. So for example if BofA requires you to send it to a different address and you sent it to the standard address it could be considered "White Mail" and held.

If you followed their instructions for Priority Mail and sending in payments, and they still held your payment you may have a good case to sue them under the Fair Credit Billing Act.

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#2 Consumer Comment

Susan, There is no LAW that requires an American, who earns a SALARY or a WAGE.......

AUTHOR: Karl - (U.S.A.)

POSTED: Tuesday, March 10, 2009

on his or her LABOR, to pay Federal Income Tax, according to the documentary entitled- AMERICA: FREEDOM TO FASCISM (you can 'Google' it & watch it on the web!

It seems as though 'Federal Income Tax' is a TAX for companies & corporations on their 'PROFITS' & their 'GAINS', and is NOT a tax that is REQUIRED by LAW for a typical American worker who earns a 'SALARY' or a 'WAGE' on his or her 'LABOR', according to all the information in that documentary.

Former IRS Agents, Tax Attorneys, Jurors who sat on Tax Cases, & even a Congressman (Ron Paul) all attested to this in that documentary by Aaron Russo.

EXAMPLE: If you own a Painting Store, and you purchase $1 MILLION dollars of paint from your suppliers for the year, & mark it up by 35% to make a profit, your PROFIT, or GAIN for the year was $350,000, correct? You will pay TAXES on the $350,000, not the $1,350,000.

So, the PROFIT or the GAIN is what Federal Income TAX is intended. (For companies & corporations). The PROFIT, or GAIN on the sale of $1,350,000 was $350,000, right? So THAT'S what is TAXED, & that's what Federal Income TAX was intended, according to all the documentation.

Now, if an American worker chooses to 'VOLUNTARILY COMPLY' to pay Federal Income TAX, he or she may do that!!! It's VOLUNTARY, according to all the information in that documentary.

Now try and shift gears and think of this- If you DON'T own a Painting Store, but you are a painter who goes into people's homes and paints their bedrooms, bathrooms, family rooms, etc., you AREN'T selling them a product, correct?

You are providing your LABOR to them, & in return you receive a WAGE, or a SALARY, as a result of your LABOR, right? There WASN'T a PROFIT or a GAIN because you had to use your arms & legs & skills to do the painting, wouldn't you agree?

So, the money that you receive from the people who had you do the painting isn't supposed to be LEGALLY taxed by the Federal Government because it is NOT a PROFIT, or a GAIN! It's a WAGE that was a result of your LABOR, do you understand?

If you want to pay, and file, a Federal Income TAX Return, you may do so, but there ISN'T a LAW that says you must do so, according to ALL of the information in that documentary. There are only CODES for those who CHOOSE to File & Pay Federal Income TAX, according to all the facts presented in that wonderful documentary by Aaron Russo. You should watch it and SPREAD THE WORD.

Have a nice day!

POWER TO THE PEOPLE

P.S. If you, or anyone else doesn't BELIEVE any of this, then you should go down to your IRS Office and ask for a copy of the 'LAW' that requires you to pay Federal Income TAX. Not the CODE- the LAW that says you MUST pay it. If they can't provide you with the LAW- then HOW can it be AGAINST THE LAW, right? Maybe this is why people are WINNING their TAX CASES against the IRS, huh?

There is a CODE in our neighborhood that says if we see CRIME happening that we should report it. But it isn't against the LAW to not report a crime if I see it happening. A CODE is NOT a LAW, get it? If my neighbor's home is being broken into right now I can watch it happen and watch them take all of their belongings if I want, and I don't have to report it because there isn't a LAW that says I must do so, correct? However, I would report it, and then I'd follow the criminals in a 911 Carrera and I'd take my cell phone, & I'd let the Police know where they were!!

The criminals wouldn't be able to outrun me because I'd be in a faster car, right?

QUOTE: 'Consider the line between fantasy and reality permanently blurred. Porsche. There is no substitute!'

Go 911, GO!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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#1 Consumer Comment

'White Mail'- or BLACKMAIL???

AUTHOR: Karl - (U.S.A.)

POSTED: Tuesday, March 10, 2009

Isn't it nice to know that large corporations are allowed to FINANCIALLY INJURE the innocent people of the USA?

Guess who wrote all of these 'LAWS', & 'RULES', & 'CODES' that protect the large corporations? You guessed it- LAWYERS!!!!

BLAME IT ON A LAWYER!!!!

Make sure to 'Google' this- RIP OFF REPORT FUEL FREEDOM INTERNATIONAL MPG CAPS, and go to the 2001 Toyota Tacoma Ripoff Report, and then to the 'Update' entitled- 'Blame it on a Lawyer', and read what a Harvard Business Professor said to his class in late 2004.

Remember, almost ALL politicians are LAWYERS, correct? So who do you think they'll protect? QUOTE: 'Only a pawn in their GAME.' - Dylan

URGENT ALERT: 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch that documentary on the web.



LAW FIRM POEM

Corporations will sometimes hire Law Firms
When they are sued it's just what they will do
Most will retain just one Law Firm
Others might even hire two!

All lawyers get hungry, let's face it
They use plastic for that mid-day lunch meal
Their clients run corporations who are big-shots
CEO's who will LIE, CHEAT & STEAL!!!

But these Law Firms will receive big retainers
It's the MONEY they want and they need
They're no different from the ones they're protecting
It's a GAME of DECEPTION & GREED!!!

Now the PEOPLE are starting to take notice
And these Law Firms someday might regret
That the ones who FINANCIALLY INJURE
Have their names now in poems on the NET!

A poem by Luke, John or Cindy
A poem by Bill, Hank or Deb
A poem by the PEOPLE of this country
Posted all over the WORLDWIDE WEB!!!

I guess that this poem is over
It's time to go hiking right now
I'll be thinking up another tomorrow
And on Thursday I'll be watching the Dow!

End.


POWER TO THE PEOPLE

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