Dr. Lahm testifys for a hearing of the U.S. House of Representatives, Committee on Small Business entitled, “The Role of Credit Cards in Small Business Financing.” Link to PRWeb release. Link to written testimony and exhibits.
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Dr. Lahm testifys for a hearing of the U.S. House of Representatives, Committee on Small Business entitled, "The Role of Credit Cards in Small Business Financing." Link to PRWeb release. Link to written testimony and exhibits.
Spread the Word with this Circular: BEWARE of Chase SQUEEZING Existing Customers, HARD
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- My missing anniversary post
- ChangeInTerms.com site poll finds 97% of respondents have experienced abusive treatment from a credit card company “for no reason” (meaning, the customer did not do anything wrong).
- A new short film entitled, “Bank of Evil.”
- SVP of Customer Service at Chase — “Please just transfer your accounts to another bank and leave me alone”?
- I want to take my boy fishing, but I find I’m just wishing.
- It truly is time, for a “Showdown.” Wear your colors proudly (red, white, and blue).
- I guess you’ll get involved once you’ve “lost your backpack and lunch money,” one too many times.
- ChangeInTerms.com Launches New “Stink” Card to Warn Small Businesses
- Good luck with your marketing campaign, Chase: If the customer experience is anything like what we’ve been witnessing in astonishment and disgust lately, the “Ink” card will stink.
- What an Amazing Discovery: I Found a Banker With Brains and Scruples
- “Legalized loan-sharking”: How much is too much?
- The rest of us, along with our children, and grandchildren, will pay, and pay, and pay.
- “Mission”: This film scores a direct hit against the enemy (Chase).
- Contracts written by credit card companies are bad faith agreements, which seems to be alright with anyone who is able to “pay cash.”
- An even better “CHASE CUSTOMERS BEWARE” circular is ready for you to distribute.
Advocacy Organizations & Resources
- AFIL – Credit Card Action Center
- Americans for Fairness in Lending – AFIL
- Better Business Bureau
- Center for American Progress (CAP)
- Center for Responsible Lending
- CommonDreams.org
- ComplaintsBoard.com
- ConservativeUSA.org Legislative Lobbying Kit
- Consumer Action
- ConsumerAffairs.Com
- Consumers Union
- Corporation for Enterprise Development – CFED
- Credit Card Reform.org
- Daily-Protest.com
- Electronic Frontier Foundation (EFF)
- Email and Fax List Congress, Media, Government
- Mindless Business Practice
- National Association of Consumer Advocates
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- National Small Business Association
- Public Citizen
- Ripoff Report
- Search Congress
- Wall Street Watch
Chase Class Action Lawsuits
- Alfred D. Morris v. Chase
- Brian Woods and Kain Macy v. Chase
- Charles Clausen v. Chase
- CSGRR.com (exploring the possibility)
- Cuyahoga County Court of Common Pleas
- David M. Skaggs v. Chase
- Margaret A. Foshe v. Chase
- Michael E. Moore and Diane M. Rooney v. Chase
- Milberg LLP class action lawsuit
- Peter G. Knapp v. Chase
- Sauer v. Chase Bank USA, N.A.
- Stockton v. Chase
- Under Investigationby Girard Gibbs, LLP: Now Filed
Chase Issue in the News
- “Consumers say they’re fired up”
- “I think it’s a big ripoff”
- “kind of hair raising”
- “Playing hardball with customers”
- “Protester takes on corporate giant”
- “They insulted their customers.”
- “they’re going after another group”
- Bad for the economy
- ChangeInTerms.com mentioned in Barron’s
- Chase Bank Expands into Extortion and Loansharking
- Chase Bank Expands into Extortion and Loansharking 2
- Chase Bank resorting to new lows
- Chase changes the rules
- Dr. Robert Lahm in Business Week
- Dr. Robert Lahm in Columbia Journalism Review
- Dr. Robert Lahm quoted in the New York Times
- Dr. Robert Lahm quoted in Wall Street Journal — small business “credit woes”
- Fee Angers Consumers
- Small-business owners most deeply affected
- WBZ-TV (CBS) Boston – ChangeInTerms.com
- WSJ “Fat Wallet” – ChangeInTerms.com
Correspondence
- BBB (IL) to Dr Robert Lahm 12-29-2008
- Chase 3.99% promotional offer 8-2006
- Chase 4.99% Offer to Wife of Dr. Robert Lahm 2-2009
- Chase Change in Terms 11-2008
- Chase to Dr Robert Lahm 1-29-2009
- Chase to Dr Robert Lahm 10-10-2006
- Chase to Dr Robert Lahm 12-30-2008
- Chase to Dr Robert Lahm 3-19-2009
- Dr Robert Lahm to Gordon Smith 12-3-2008
- Dr Robert Lahm to Jamie Dimon 9-27-2006
- FTC to Dr Robert Lahm 1-22-2009
- High Quality Chase 3.99% Offer (pdf)
- High Quality Chase 3.99% Offer – Front Side (jpg)
- Lahm Personal “Battle” Package
- Lahm to OCC (Exhibits) 1-24-2009
- Lahm to OCC 1-24-2009
- Lahm to OCC 2-11-2009
- NCLC to Dr Robert Lahm 12-19-2008
- OCC to Dr Robert Lahm 1-9-2009
- OCC to Dr Robert Lahm 12-23-2008
- OCC to Dr Robert Lahm 12-30-2008
Credit Resources
- “or for no reason”
- (2009) Credit Card Customer Satisfaction Survey
- AnnualCreditReport.com
- Bank of America Workers Speak Out
- Consumer Fraud and Identity Theft Data (FTC)
- Credit Card Bill of Rights “explained”
- Credit card facts and statistics
- Credit Union National Association (CUNA)
- Credit Unions – A Small Business Alternative
- CreditSlips.org
- Delinquency Rates
- Former MBNA employees speak out
- Maxed Out Preview
- Mounting dissatisfaction
- National Foundation for Credit Counseling (NFCC)
- Never Never Never
- Pew Safe Credit Cards Project
- Secret History of the Credit Card
- Sold Out
- Squeeze the Banker
- The Arbitration Trap
- The Federal Reserve System: Purposes & Functions
- Worst Credit Card Practices
Entrepreneurs
Government
- Annual Reports and 10ks (SEC – Edgar)
- Congressional Record
- Consumer.gov
- Federal Reserve System
- Federal Trade Commission
- National Association of Attorneys General – NAAG
- OCC Consumer Complaints
- Office of the Comptroller of the Currency – OCC
- Strong Middle Class
- U.S. Department of Justice (Antitrust Division)
- U.S. House of Representatives
- U.S. Senate
- USA.gov
- Whitehouse.gov
Protest Videos
Rant-roll
- “downright cruel”
- “I’m so Afraid of Them”
- “Pretty cold hearted”
- “push us over the edge”
- “Raising rates on fixed-rate cards”
- Averaged Paying Triple
- Being Blindsided
- Boycott Chase
- BoycottChase.com
- Chase Can Bite Me
- Chase Committing Perjury
- Chase Credit Card Ripoff Scam (part 1)
- Chase Credit Card Ripoff Scam (part 2)
- Chase victim here
- Chase’s New “Policy Changes”
- Chase-Sucks.com
- Class Action Suit
- Credit Card Insanity
- Credit Card Trauma
- Disgusted Chase received tax dollars
- Dissatisfaction Rising
- Extra $48 a month will hurt
- Fees, fees and more fees
- Forced Into Default
- Getting Squeezed
- Hair-Trigger Pricing
- Horror Stories
- Hung up on me
- I too got shocked
- LET’S GET ON IT!!
- Never using them again
- Open Congress (On: S.3252)
- P***ing off Even Their Very Strongest Customers
- Predatory Lending Practices
- Punishing Consumers
- Raising the ire of cardholders
- Rude to Me
- Shameful and Counterproductive
- Slaves to the credit card companies
- Someone Needs To Speak For Us
- Unethical Payment Hike
- Whammo! You get whacked
Review and Complaint Sites
Tools
Wordpress Links
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The first of several outstanding short films from our friends at Binary Star Productions, Inc.
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Dr. Lahm served as a production consultant for this film, and is pleased to be of service to his friends at Binary Star Productions, Inc.
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on Jan 4th, 2009 at 1:13 am
[...] small businesses. According to his academic research, about which he has previously provided testimony before before Congress himself, entrepreneurial “bootstrappers” (people who start a business with little or no [...]
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[...] use of credit cards as a source of start-up capital), about which he has also addressed in previous testimony before Congress. The site provides vibrant discussion and analysis, links to government, regulatory, and advocacy [...]
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on Mar 7th, 2009 at 7:28 pm
[...] my previous testimony before Congress, I called this “whimsical,” because when credit card companies use language such as [...]
on Mar 13th, 2009 at 8:17 am
[...] written remarks and then making copies at a 24-hour copy shop; there are really two parts to this, as one’s allotted time to speak is limited, but additional information and exhibits can be entered into the [...]
on Apr 8th, 2009 at 12:21 pm
[...] as I responded to a follow-up question after my opening statement providing Congressional testimony on the use of credit cards by small businesses (why was research on bootstrapping lacking?): these [...]