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Lesley of Bowie, TX November 13, 2006
Washington Mutual has threatened foreclosure on my home 5 times in the last three years! Each time they claim payments have not been made and I get a letter with ridiculous amounts due in order to cure the default. Each time I have had to prove their records are incorrect. In order to do this I have to take days off of work and spend HOURS on the phone, being switched back and forth between departments and each time I'm transferred I have to start over explaining the past three years experiences to phone operators who act like they could care less.
Every now and then, I get a person who seems willing to help, but then there is no follow through. When I follow up, there is no record of the conversations I have had with them previously. No one has an extension number that I can use to reach them again. Each time it takes at least two months of my life to get resolution, during which time I am pushed to my limits by the stress. Each time they have researched their records and found they were incorrect, and all charges are dismissed. A few months go by, and then they hit me again.
I am at this moment going yet another round with them. Today I took off work and spent 3 hours on the phone talking to 11 different people, none of which had access to the records which show my account as current. At this point, I have faxed documents to them showing the results of their last incorrect claim (6 months ago) and copies of their statements showing the payments I have made since then. Being just out of Ch 13 bankruptcy, I cannot qualify for a new mortgage with a decent interest rate. I am currently trying to sell our home just to get away from Washington Mutual's incompetence and life-disrupting antics.
Mr of Valinda, CA September 29, 2006
In the process of selling our home, we discovered that a line of credit had been taken out on our property. A Ma Alexander Kuang Shin has a 173,000 credit line (revolving) on our home of address. This loan was provided by Washington Mutual. We spoke to Washington Mutual on many occasions trying to clear up this dilema. They are unwilling to help or investigate this situation. They claim they cannot look up any such accounts unless the actual loanee asks for it. Washington Mutual suggested we contact ITC title company, and ITC says to contact Washington Mutual. The sheriff will not do anything without an account number, which we don't have. We feel there has been some fraud in which our home was used as collateral. We are not wealthy and cannot hire an attorney, or private investigator.
Currently we cannot sell our home and with the current drop in property values, will lose money in the next few months. Sheila of Delray Beach, FL August 20, 2006
I paid the May mortgage payment late and was in the process of paying in Aug (all payments, June,July and Aug) when they sent back the May payment and foreclosed. I cannot get in touch with the attorneys representing them and am trying to get in touch with their work out dept. I was trying to catch up due to my son being involved in a divorce, which has cost me personally 45,000 i had to borrow and am repaying it, plus he borrowed 50,000 on his home.
I am in my late 60's working and going through emotional and physical trauma because of this divorce and now this foreclosure. I simply want to pay the mortgage and get on with my life. Kimberly of Jasper, GA July 20, 2006
Washington Mutual Mortgage decided we needed wind insurance for our home. We already had wind insurance on our current policy. No one notified us about this change! Our payments went up over 300.00 a month. My husband and insurance agent worked on getting the bogus insurance removed and our payment back to normal. We were told that it would be corrected. Our house payment was supposed to go back to the regular amount and the money they took from escrow repaced. Today I received a call telling my the payemnts were still wrong and they were once again taking the money out of escrow. I tried to explain the the woman about the insurance mistake, but she wouldn't talk about it. My husband is once again taking off from work to go to try and straighten this out. Washington Mutual is not helping us.
We are being charged 300.00 a month more for insurance we already have. They are depleting our escrow account and will not replace it. Doreen of Berwyn, PA May 25, 2006
I have contacted Washington Mutual on more than one occassion for failure to pay my property taxes. Taxes were due on 3/29 and the response received Please accept our apologies a property tax payment was made from your escrow account on 04/12 all penalties were paid from our funds. Now, they paid my homeowners insurance in error and cannot reverse their mistake.
This error will reduce the amount of money in escrow and in turn I will not have enough to cover taxes. Mike of Springfield, TN April 1, 2006
I was discharged from a Chapter 13 back in November 05 and was to start making my regular payments in December 05. I made two payments in January 06 which would have been December and January's payments. I did not make February's payment, but did receive a statement that a payment was made in February. I called and talked to WAMU in March and was informed that I was four months behind and in Foreclosure. Of course I freaked out, knowing that I only owe two payments not four.
I was ready to pay for the two months that I did owe, but they wouldn't accept that and told me to hang on to my payments. They made the mistake not me and now I am paying for it.
My home is in foreclosure in a non-judiciary state which means no court hearing to dispute this. They are wanting my house so bad there is already a sale date. I have faxed a payment dispute, but of course that takes time. So what do you when they are holding all the cards and you know what you owe them and it is not four payments. I have already been at the bottom and this company is trying to put me there again. Martha of Perkiomenville, PA March 28, 2006
House went into foreclosure after husband lost job. Washington Mutual uncooperative. Put house up for sale through RE/MAX. Thirty people came through and only one buyer. There is a signed sale contract in the amount of 294,900 that Washington Mutual is refusing. Because of a "driveby" inspection, they feel we should get more money for the house. The house is in need of lots of work so potential buyers were turned off. Washington Mutual is charging us 630.10 for this driveby inspection. Nobody from this outfit stepped foot in this house to inspect it and they are charging us that exhorbitant amount for someone to inspect from the street?
Tomorrow, March 29, 2006, is the sheriff's sale because they refused to accept the buyer's offer of 294,900. Washington Mutual wanted the co-brokers to come down on their commissions but refused to adjust their own fees. Their other fees are: 3,379.50 for attorney costs; 1,250.00 for attorney fees; 5,159.84 for sheriff's commission. Why should someone get paid 630.10 for inspecting this house when they never even came inside? Julie in Loss Mitigation is one of the nastiest people I have dealt with. (Plus, she doesn't have clue as to how to read a bank statement!)
My realtor and my husband spoke to her and agreed with my assessment. So tomorrow, March 29, 2006 at 1:00 p.m., the sheriff's sales takes place and if Washington Mutual gets a satisfactory offer, my daughter and I will be evicted. Maybe, if there is a God, Washington Mutual won't end up getting the exhorbitant fee of 630.10 for an inspection that never happened. When I grow up, I want to be an inspector for Washington Mutual. When I really grow up, I want Washington Mutual out of the home loan business.
Jeffrey of Milford, NH March 10, 2006
As a result of the mergers and acquisitions in the finance industry in the late '90s early '00s, I ended up with existing mortgages for both my home and rental property being taken over by Homeside, then by Washington Mutual Home Loans. When they changed over the existing loan numbers to their numbering system, a year later when they changed their own numbering system due to their database software upgrades, when they first implemented "ACH Drafting automatic draft service"; all these would end up with me getting a delinquent loan payment threat letter for one property mortgage or the other.
Each time the onus was on me to contact customer care, so I would have their record of me paying them as well as my bank statement. Armed with these, then I would have to fight with the Credit Dispute and various other departments to get the threat letters stopped and the late fees removed. None of this guaranteed that the “credit delinquency” was removed from all three credit report agencies.
I enrolled in Washington Mutuals ACH Drafting when they launched it thinking there would be less chance of them screwing it up. Four months into it, I’m on the phone with WashMut Customer Care who are telling me this month is late and I’m not even enrolled in ACH. Had to jump through all the same hoops again to get the late fees dropped.
I went back to paper checks and when they contacted me to ask why I wanted to cease enrollment in their ACH Draft service I told them I thought they were too stupid to operate it. I thought WashMut was just maliciously trying to rack up as many late fees as they could but I became convinced after a while that they were really just incompetent.
WashMut contacted me end of ‘03 to solicit my enrollment in ACH again with assurances the bugs were out of their program/process, but the same thing happened again.
During the sale of my rental property in ‘04, for the purchase of rental properties closer to home, I took the opportunity to change the mortgage company on my residence from WashMut as well. The purchase of the second rental property was held up for about a day for a “credit delinquency” in my record. WashMut should be required to remove their mistakes from all three credit reporting agencies. Denise R. Kilker of Petaluma, CA March 10, 2006
For the past 6 to 8 months we have been trying to get the proper payoff amount and have had NO success. WAMU is overcharging and not applying payments properly. I am at my wits end and am filing a formal complaint with the Comptroller of the Currency and Equal Housing Lender. I will also forward this via email to Channel 2, Channel 4, Channel 5, Channel 7 and whoever else will listen because we know Washington Mutual is NOT!!! You really need to have someone take care of damage control. Because this is a train wreck waiting to happen.
All I want to do is refinance and get a better rate and not have to deal with Washington Mutual anymore… I cannot take it!!! I am going to have a nervous breakdown, heart attack or some other health issue. I am finished with WAMU not applying my payments properly and are trying to double charge me for property taxes. I did not sign or apply for an impound account!!!! What is up with the property tax issue? Chicago Title stated that they paid my property taxes and The Sonoma County Tax Collectors Office has now informed us that they have returned the payment that Washington Mutual said they paid in the amount of 5310.58 dated June of 2005 which would have been for my property taxes of 2004 which we are now told Chicago Title paid for.
So what’s up with that, why are you still trying to get the money from me??? Why are you still treating this as an impound account when it is NOT an impound account!!!
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