Dear Bank Officer,

First and foremost, thank you for all the money I received to pay for school.

Please do not send me more statements as I don't owe you a penny. I paid you already. You received money from the Government. You also received money from people when you imposed ridiculous fees, some of them hidden by the way, and I'm not taking about the $35.00 I paid you every time my checking account had an overdraft, I'm talking about the $10.00 fee the operator mentioned when I wanted pay my utility bill, car installment, etc. over the phone.

You made billions performing predatory lending practices that resulted in the foreclosure crisis, and you got millions of properties that you are going to sell for an inflated price later. You have put entire families under stress. People got sick and now they need medications. The pharmaceutical industry is your ally and partner in crime, so you make billions based on people's suffering. You have another partner in crime which is the food industry that is making everyone sick.

Most people have or will have bad credit and you will send them sub-prime credit cards with a high interest rate.

You finance wars and destruction, and now we have to receive and take care of soldiers who thought were serving the country but came back with psychological disorders and disabilities.

Gas stations and grocery stores have two prices, thanks to you. One price if we use our credit or debit cards, and one price if we pay cash. Again, all this because you like to impose fees.

If you don't remember how much money you officially received from the The Government, then go to this Web address http://projects.propublica.org/bailout/list, but don't forget that the Government of the United States of America doesn't produce anything. The Government gets money from us, the people, via taxes that we pay every time we buy something and every time we receive a paycheck.

As I said in the beginning of this letter, I paid you already!

Truly yours,

(put your name here)