|
|
Nita of Hawkins TX (07/02/08)
i had a credit card, i was not behind, i lost my job and the credit protection would not pay as promised, i sent all the required info, but in stead they keep hitting me with late fees till i was over limet, then they raised my interest rate to28.9%, they refuse to work with me, i canceled the card and they are still charging late fees and over limet,
its totally out of control now, my husband has had a heartattack and stroke and is totally disabled so there is no way ican afford to fight this, i dont know what to do, im not trying to get out of paying i just cant pay what they want, and they would not work with me.
it has set us back completely on trying to get above water after losing everything when he went down,
Carolyn of Aurora WV (06/29/08)
I've had this credit card since 2003. Never had to use it much until 2006. In 11/2007 the APR was 22.49. I asked if they could lower it. They agreed to lower it to 15.74. My payment was three days late in 04/08. Besides the late fee of $39 in 05/08, they hiked my APR up to 25.49 on 07/08 statement which makes the minimum payment $253. as opposed to the $170. I was expecting.
I spoke with them and they said it was because my payment in April was late. I personally think it was more than that. I think it was because of an ongoing dispute over a $1 recurring charge on my account by a company that I had no idea what they were doing. I thought it was a one time $1 fee. They have deceptive practices that I was disputing. I am awaiting a social security disability determination hearing very soon. I have no income. I have been borrowing to make payments as it is.
The hike puts the payment out of any possibility for me to pay it and bankruptcy is not an option while awaiting a SSD hearing, even one based upon dire need. I told them to close the account but the payment will be the same or more until I can get it paid off which I plan to do at the settlement of my case. I don't want to ruin my credit which is pretty good under the circumstances. I don't know what to do.
I will have to write a home equity check to pay for this for as long as there is any money in that one left.
Alicia of Yucca Valley CA (06/28/08)
A woman has opened several accounts under my social security number, eventhough I provided proof of my social. They have allowed this woman to open checking and credit cards since 2000 under my social. I need to know what steps I can do to never have this happen again.
I am unable to open an checking account, or apply for a credit card without her information coming up attached to mine.
Shane of Bedford TX (06/25/08)
I have had over 29 over draft fees in the past 5 months totalling over $1080.00 dollars. I am a college student and full time worker. I pulled 16 different transactions that caused me to overdraft. The total amount I spent for the 16 transaction was $59.61. I payed 16 over draft fees for those transactions totalling in fees the amount of $587.00. WOW! that is a %1016 percent mark up on the 59.61 I totalled in 16 transactions. Blows my mind. I had $200 over draft protection. So if at 1 transaction I used the total $200.00 dollars I would have been charged an overdraft fee of $35.00. That comes to $17.5 percent on 200.00 dollars. What a good deal for the bank. SO, on $59.61 I was charged %1016 percent. When I could have taken the $200.00 at once and only been marked up a fee of %17.5. They do not tell us that though. How is this fair? How can I be charged that much of a mark up?
I asked the lady if I had $500K to bring in and if I told them to waive the over draft fees or I will not bring over the $500k woould you waive the fees? And she said YES! Then I said because I am a bottom feeder struggling and do not have the fortunate oppertunity to have alot of money at this point in my life and have nothing to offer them there is nothing WAMU can do for me right? and she said RIGHT!
Atleast she admitted it, that since I am broke trying to make it I do not deserve the same courtesy as someone with more money. Umm can they do that? I mean the people with less money need the money more than the rich people but we do not deserve it. Thats what I was told by my bank. She said it over the phone. If the call is recorded you will hear it for yourself.
Terry of Greenville SC (06/24/08)
I received a letter that informed me that my WaMu visa card account has been closed. The Letter references an unpaid check for $100.00. This checked was mailed to WaMu for my June 6th, 2008 credit card payment. Although I mailed the payment several days before the payment due date, the check had not posted on June 5th, 2008. In the past I have mailed payments that seem to arrive in the WaMu system but do not post until after the due date. Needless to say, the late fees and penalties imposed by WaMu almost completely negated the original payment.
On June 5th, 2008, I could not confirm that my check payment had arrived and posted, so I made a telephone payment of $115.00. The debit posted to my checking account on June 6th, 2008. I knew that I did not have the funds to make a $100.00 check payment and a $115.00 telephone payment ($215.00). I had my bank, SCtelco, place a stop payment on my check #1019. I did not want to post a late payment on my WaMu account and I did not want to incur over draft fees and penalties from my bank. I do not understand why my account has been permanently closed.
However I have returned the WaMu visa card. I posted the telephone payment on time and I am not obligated to make more than the minimum payment, which is less that $215.00. Also, why are [they] charging me a $35.00 return fee and a $14.95 telephone payment fee? The tele-fee was included in the $115.00 payment as per the automated instructions.
Wa mu seems to post many of my monthly payments after the due date regardless as to when I mail the payment. My balance is always around $2100 even if I double the payment amount, there are always some type of penalty fees.
Trudi of Los Angeles CA (06/20/08)
They do not answer their phones EVER. I have apparently had my debit card suspended due to fraudulent activity. I went into the branch to discuss and they tell me I have to call the Fraud Department to fix my problem. But they NEVER ANSWER THE PHONE, EVER.
I tried today many times and the last call I was on hold for 27 minutes. When I go into the branch, I'm always told the system is down. I've been trying to reach someone for so long and I'm worried about what's going on with this bank. No one seems to be home! The public needs help. Please can someone dig thru this red tape? Something is very wrong at Washington Mutual, very!
Brendan of Simi Valley CA (06/19/08)
On February 12th 2008, I received a Cashiers Check from Colonial bank. For the amount of 4500 dollars to me, Mr. Brendan as a payee, Remitter: Mr. Eric. On the same date I took it to your branch in Van Nuys. Ms Sona was the attending manager. I explained and asked her, first to verify the legitimacy of the cashiers check (Document 1).
After she verified (by phone) that this check was legitimate, I asked her to please change the name on the check to that of a third party (Mr. Nelson). I asked that the name be changed so that the funds would not be associated with me in any form (i.e., I was doing a favor for an individual who expressed interest in occupying my apartment, but the situation was a fraud).
As she verified the fund availability I asked her to please, without any interference to my account, write another cashiers check to Mr. Nelson from Colonial Banks cashier check, Document number 2, date of the check Feb. 12 2008, for the amount of $4480 Washington Mutual Bank. Please do note that remitter is Mr. Eric same as the on Colonial Bank check.
Within 3 hours I mailed the check from Washington Mutual to: Mr. Nelson (Document number 3) From February 12th to February 22nd, a period of more than 10 days I was under consideration that all my account activities were performed according to the banking laws. However on February 22nd I received a letter referenced Notice of deposit check? for the amount of $4,500; I went to the bank and asked in regard of over drawn activities. I was informed that the original cashiers check that I brought into Washington Mutual on February 12th was returned as Suspected Counterfeit.
4,500 resulting in a very hard time living in the united states as well as emotional trauma
Rochelle of Fremont CA (06/16/08)
I was never disclosed a fee called excess activity fee in a savings account. In order to find out what was wrong, I looked up their online Q&A section but it yielded no results. Calling WAMU's customer hotline is such a hassle that I woundn't want to deal with again. There is no such an option to choose to talk to a live person after you are verifed.
Eventually, I entered either 0 or # or a combo by accident and got someone on the phone. Being a loyal client over 10 years, I requested her to waive the fee due to this hidden fee structure. She escalated it to her manager. However, the manager didn't help at all besides kept repeating their policy.
Margaret of Smyrna GA (06/14/08)
On 06/03/08 I made a deposit into my Washington Mutual account which was supposed to be deposited into my bill account. I have 3 accounts with WAMU. 2 checking accounts and a savings account. I was depositing 1,000.00 of which 250.00 was supposed to go into the savings account and the rest into the bills checking account. The WAMU teller transferred the 250.00 into the savings account but wrote the wrong account # on the deposit slip causing the difference to be posted to my regular checking instead of the bills account. With a balance of $ 1026.00 sitting in the wrong account, my rent check in the amount of $ 800.00 was processed on 06/04/08 and returned for NSF. I was notified by the leasing office of my check being NSF and got very distressed because I have NEVER (key word) written a bad check ever. Not only had my rent gone up from 800.00, but there new rent was $ 1100.00, plus $100.00 late fee and $60.00 NSF Fee.
I went to the bank to check what had happened and discovered that WAMU had deposited the money in the wrong account, and it was still sitting there. I explained to the manager what had happened who asked me to describe the teller that had taken the deposit. i described him. He looked over the account and said that he saw where the deposit was made to the wrong account but could not accept liability for the mistake. I asked him why WAMU would not accept liability and there was evidence showing the Rep wrote the wrong a/c# on the deposit slip and he said that it might have been an error on my part of the Rep hence he would not let WAMU take responsibility for it. I then asked him to write a letter to the apartment complex explaining what had happened. I explained to him that I always make my deposits in the Barret Parkway Branch, and I have been a customer since 2004 and this was the first time that I had run into such and error and he rudely stated that mistakes do happen, he was not ready to take responsibility for the error.
He went to the back office spoke with the teller that made the deposit, came back and said the teller said he could not remember making the deposit. While he was saying that the teller came to where we were and I explained to him what had happened of which he said he was sorry for the mistake.. but before he could utter another word the manager quickly dismissed him. He called the Barret Parkway office vaguely explained that he wanted to know if they were familiar with my name, a deposit was made into a wrong checking account, he wanted to know if by writing a letter to the apartment complex, if WAMU would be accepting liability. The manager on the other bank said she did not think there would be any problem. He repeated several times that he did not want WAMU to be liable for the mistatke, and finally got of the phone advised that he could type a letter to the apartment complex stating that a mistake had occurred where money was deposited to the wrong account but AGAIN would not want WAMU to be liable for the mistake.
He typed up a letter. On company letter head He once again reminded me that he was not taking liability for the error. I advised him that I would take the letter to the apartment complex and take it from there. I purchased an $ 800.00 wamu bankers draft to pay my rent and went back to speak with the property manager. She said that based on the letter from WAMU she could waive the concession fees but WAMU would be liable for the late fee and NSF 100.00 and $60.00 respectively. I went back to the wamu branch to request the manager to take responsibility of the $160.00 caused by the teller's error but he rudely stated that my account is not housed in his branch and although the error had occurred in his bank he would not be obligated to take responsibility for any fees.
I asked if he could elevate the issue to another level of management but he advised that there was no need as per he was the manager and the next level of management would kick the issue back to him. So pretty much I was stuck with the fees. I asked him if he could put his response in writing but at that point he became irate, said he was not a lawyer and his word was as good as writing. He said that I was asking him to draft a legal biding document, which he was not willing to do, all he could say was tht wamu was not taking responsibility for the fees or error and that my account was not housed in his branch, but the Barret Parkway branch. At that point he said I was taking up his take and he had to do other things. I bought a $60.00 Wamu bankers draft, took it to the apartment manager who sympathized with me and waived the 100.00 late fee (against company policy) just to help me out because of WAMU's negligence.
Monetary loss, emotional distress, violation of trust, verbal abuse from the branch manager, damage to my perfect rental history...discrimination because I am an immigrant ...this list is endless
Kecia of Grifton NC (06/11/08)
my apr jumped so high i couldn't remember what the original was, i told them i didn't sign up for 29.99 percent card and that they were stealing from me. the problem started when i decided to make payments online with wamau instead of mailing a check well the pay page it kept making me put my numbers in over and over again, so i know they were right but days later after the payment was due i got got an email saying the payment was denied. i told them i know my numbers and there was money in my bank account so there was no problem, so they said maybe the bank would not release the funds.
well i called them and said yo can take my APR back to where it suppose to be or i can just not pay it. well she says when a better apr comes along we will drop it lower, we can not do it now. so i have decided now that i am unemployed i will not be paying them $80 a month with only $20 going to the balance. i will be calling them before they call me and let them know i will be buying gas and food not paying a credit card company that steals any chance it gets. i know that changing paying habits is just a way to scam people because i paid another bill from my bank account and they waited 2 days after it was due to say payment was denied or could not process payment.
Sandra of Anaheim CA (06/11/08)
I got a new WAMU Platinum Visa Credit Card. I setup my account with WAMU online to make payments through my checking account. I provided the correct routing # & account # to make the payment. The payment was returned, because of wrong routing # Then, I setup another checking account online payment thru my credit union, again with correct routing # & account #, again payment was rejected. Then, I went thru my credit unions online bill pay system and was able to make the payment. Payment was rec'd before the due date on the statement.
Then the next month, i made another online bill pay thru my credit union, which was rec'd and posted to my account June 4, 11 days before the due date on the statement. Payments made on time every month, then, Wamu cancels my credit card account June 6, just 2 days after recieving my payment.The reason stated is because the 2 payments i made prior that were returned had incorrect routing #s. I have proof that the routing #s I provided were correct. This is unfair. I paid my bills on time and thru no fault of my own was penalized. I have a great credit rating and have no history of late payments.
My good credit rating may take a hit now that this account was closed. My credit card was revoked.
Nina of Northridge CA (06/10/08)
I called wamu to see why I had 2 overdraft chargers of 33.00 each and they said I was 2.71 cents short one day n the next day I used 60.00 to pay a bill. they said even though I put money in my bank on the 8th when the 60.00 posted on the 9th My 250.00 wasnt avab till the 10th this bank has stolen 66 dollars from me and now I cant pay me electic bill.
Dylan of Jacksonville FL (06/10/08)
HOW IS IT LEGAL, FAIR OR ETHICAL TO CHARGE SOMEONE AN OVERDRAFT FEE OF $34 FOR A DEBIT LESS THAN $3.00? IS THAT NOT A LEGAL FORM OF LOAN SHARKING? There is no way that any financial institution can justify this fee. Somthing should be done. Please help....
Nicole of Cameron Park CA (06/06/08)
I had a fraudulent charge to my account in February at WaMu for $116.96. I reported it and was told that I would receive a temporary credit and that claim forms would be mailed to me. I received the temporary credit and but never recieved any claim forms. In April I received a letter from them stating that they would be reversing the credit do to my lack of compliance with them. I called them and spoke to someone in the claims dept. who told me to type them a letter explaining that the charge was fraud and then fax it to them. I typed the letter and faxed it to them the same day.
Now today, June 6, WaMu debited the amount out of my account without warning. I called the claims dept. and they said that I did not say that I didn't authorize the transition, I noly said that I didn't do it and that's not good enough. I asked if I could resubmit the letter and they said no, you're just going to have to take the loss. I spoke with Angelique in claims. I begged her to help and she said there's nothing I can do, you have to figure it out on your own or take the loss. I thought banks were supposed to protect their customers. They are rude and unprofessional. I have had nothing but trouble with them.
Now that I am missing that money I am unable to pay bills. I was already having financial difficulty without them doing that!
Teresa of Long Beach CA (06/06/08)
I noticed on May 08 statement that my current interest rate had jump to 23% and thought no way I hadn't been late on my payments. So I made a payment of $450.00 thinking I got to get this card pay off. Well on my June statement the interest rate jump to 31%. That's crazy who in their right mind would pay 31% interest?
I called the customer service line and asked why my interest rate keeps changing. I was told that in April I received a notice that the interest rate was going to change and that I had may chance to cancel my card at that time to keep the current rate. Who can read those incerts with the tiny writing that goes on for ever. I wear reading glass and still can't read them, plus it doesn't say were going to raise the interest rate to 31% becuase you don't use your card enought So what's in store for next month 41%? My minimum paymant is $101.00 but $80.00 is for the interest, at this rate I would never pay it off. As it is it will take me 7 months to pay this off as My current balance is $2781.00.
This will cause a hard ship on my family making $400.00 monthly payments which will not leave us any extra fund during the week if an unexpected expense should arise. I will never use them again. They are just plain stealing from their customers. No wonder our ecomomy is in a down hill spin, with people filing banrupt and loseing their homes. WaMu is right their to help the process with 31% interest rates. Thank you.
Rick of Palm Springs CA (06/05/08)
I called WaMu because I wanted to sign onto my online banking and had forgotten my signon name. I called the 800 number which is supposed to provide 24 hour service. Despite knowing my account number, providing my bank card number and my SS number, since I did not know my telephone identification number I was never able to talk to a live human being. I called my branch and was told to call [another number] which is some sort of executive manager section but is in reality staffed by low level employees who claim to report directly to the president. They deny having any supervisors other than the company president which is deceptive and apparently designed to prevent you from asking to speak to anyone other than them.
After speaking with several people, since I also called the presidents assistant and the CFO, I was able to speak with someone named Rosie who claimed to be a supervisor for Anabol and another young man I spoke to earlier named Tunson. When I questioned her how it could be she was a supervisor when both had earlier claimed to only report to the president she insisted they had not lied because everyone essentially reports to the president of the company.
Rosie attempted to argue that needing to know my telephone identification number before speaking with anyone was to protect me from identity theft, which makes no sense for two reasons, one, when I called in to the other number, they gave me what I needed to know after answering some personal questions, but more importantly, I still don't know my telephone identification number and I got through.
Huge Waste of Time.
Craig of Suwanee GA (06/05/08)
I've been banking with Wamu for about 10 years and I don't know what's happened within the past year or two, but the customer service here has just gone down the drain! I don't really have one specific incident that triggered this complaint, perhaps just the lack of every day professionalism and great customer service I remember.
Some of the things that I've noticed lately are the attitudes of tellers (metro Atlanta) - emotionless, rude and uninviting, online customer service - when you ask a question online inquiring about your account, their reply seems to be a cut and paste answer from a handbook. I'm sorry to say, but Wamu is NOT the same bank it was years ago. For these reasons I am closing out my accounts and will gladly sway friends/family from this bank.
Felicia of Sugar Land TX (06/05/08)
I have been banking with WAMU since 2005. At first I did not have a problem with money coming out of my account for NSF. Out of no where I have incurred NSF fees. They are sending money back when I have funds available. When I call customer services no one can seem to answer my question and talk to me like I am an idiot. For example, I made a payment with a check to my water company when funds were available, they sent the check back stating I did not have enought to cover it. I review my statement and I had enough to cover it.
They charge when an NSF fee with made it not enough to cover the check. I printed the statment out, took it to the bank and they still did not reimburse me the NSF fee that was placed on my account. I stopped over draft protection because my husband was spending money and not consulting me. The reason being was we had a $500 overdraft protection, but they would charge us $35 for everything that came in. In doing so it has put us in a hold of $900 at one time.
Now they are sending money back when there is money in the account just to get their $35. I am leaving this bank, because I can not balance my account when they are taking money out when I do not expect it.
I call the customer service office, spoke with managers on duty, went to the branch. I was also told that the online banking is not accurate all the time. The people of the branch is not knowledgable at all. When disputing things on my account nothing gets resolved.
Ngoc of San Leandro CA (05/27/08)
My card got stolen on april 21st. i'v called in to cancel but for some reasons it wasn't cancel and they withdrawed $1013 it was max out.The fraud supervisor said they won't do any about it beacause it was charged using the PIN.But that was 2 - 3 days later after i reported it.I think this is the bank's mistake because they didn't stop the card right after i called. Therefore they should be responsible for my lost.
the bank said they can not do anything about it.Therefore i have to pay for the ballance..
Abbra of Rancho Cucamonga CA (05/24/08)
I wrote a check on Saturday 5/10/2008 for $125. I placed a stop payment on the check on WAMU Online using the check number on 5/12/2008. I was charged $15 and the stop payment was confirmed. I checked my bank account online on 5/21/2008 and saw that the check I put the stop payment on had been CASHED. I was floored. I called customer service and they told me the withdrawal was made at a branch and it was paid because I had not specified a payee or an amount range when I initiated the stop payment. The problem there was I was NEVER asked to input that information online. I walked the rep through the steps I took to make the stop payment and I showed her how I was not asked to input that information. She replied, Well you did have a check number, so there's no reason why the check should have been cashed.
I knew that. She puts me through to a supervisor who is instantly dismissive and rude. He tries to give me the same story about no payee and amount and once again I walk him through the steps I took online. We discover that in choosing Other as a reason to stop payment on a check (the reason I chose), you are not ABLE to enter the amount and payee information because it doesn't come up. The supervisor is obviously shocked by this, but tries to cover his butt by saying, Well I don't know why YOU can't see it (the options), insinuating there's something wrong on my end. I get pretty upset at this point, and shoot back, So you're telling me you can see it? To which he once again replies, I don't know why YOU can't.
I hang up with him and call back later and am connected with another supervisor Ronald. He said the payee and amount information was irrelevant because I had entered a check number and that was enough for the stop payment to work - period. He called the branch where it was cashed, and they refused to connect HIM to a branch manager! I couldn't believe it; they were actually giving their own people the run around! He says he's sincerely sorry, but he can't do anything about it because it was done at a branch and they weren't cooperating. He reversed the $15 fee and told me I would have to take it up as a civil matter with whoever cashed the check. I told him I appreciated his help, but it was absolutely not an issue between the person and me, it was WAMUs fault for cashing a check that had a stop payment on it.
They continuously refused to give me my money back because they said there was nothing they could do about it because the person all ready had the money. Maybe Im crazy but, the person wouldnt have the money if they hadnt ignored the stop payment and given it to them in the first place, right? The branch where the check was cashed was right down the street so I went and met with a manager. She initially tried to give me the same story about the payee and what not, but once I informed her about the 800 number supervisor being refused to be connected to a manager, she quickly changed her tune. She claimed to have reversed the amount, how I dont know seeing as the individual got cash for the check, and apologized calling it human error. What I want to know is how this is legal? Isn't this a matter of bank security? In this day and age with all the fraud and identity theft, how could a bank just outright ignore a stop payment on a check and hand over YOUR money? Not only that, but still charge you for it?
Joe of Staten Island NY (05/23/08)
my friend had borrowed money on my charge card and today he went to pay off my card balance that he owed. the people at washington mutual told him he couldnt pay the account because it was out of his business account. what is the difference where the money comes from as long as he is the person on the account. they made me get a check from him and deposit it into the charge card account. when it could have been payed on line like we pay all our bills these days.
Michelle of Dallas TX (05/23/08)
I would like to state that I have been fraudulently overcharged on my account with over limit fees due to WAMU's error. I reported fraudulent charges in April. After speaking with a dispute representative they stated they would send a dispute affidavit, provide a temporary credit, and reissue a replacement card. The only thing the dispute department actually did was provide a temporary credit. I did not receive a replacement card nor did I receive the dispute forms. I spoke w/several representatives from the branch and no one advised me my card was not issued until I contacted customer service inquiring on the status. I called and checked the status of my account only to realize they applied the temporary credit on my account without notice causing my previous charges to go over limit. I spoke with a supervisor and they stated I would have to speak with the dispute department, but will waive one $35 over limit fee as a courtesy.
Then I was transferred to the dispute department and spoke w/a customer service rep by the name of Delia in California. When asked to speak w/a supervisor she placed me on hold & then came back & stated the Supervisor Cathy will call me back. I asked for a number to contact the supervisor & was given 1-800.... I asked for the Cathys extension she stated NO. I then asked would this get me in touch with the supervisor & the representative stated yes. Then after further conversation the rep stated I would not be able to directly speak w/a supervisor.
I called customer service back to report the issues I am having w/the dispute department and Charlene Kemphart stated she doesn't believe the dispute department actually have supervisors available & will not be able to assist me further. She also stated she could call herself a supervisor or manager. I can not believe there is not a specific entity to speak with in order to resolve proper complaints. The ability to be able to replace charges on the account which causes previous charges to go overlimit & then apply fees is Fraudulent & Robbery. I am requesting a resolution immediately.
Not only did I receive an overlimit fee when the fraudulent charge occurred, now receiving additional overlimit fees totaling more the $100. I was better off not processing a dispute. Then I would only have to account for one at the time the charge was placed. WAMU should be responsible for ensuring customers receive the proper notification prior to assessing overlimit fees or at least have a chance to speak with upper management without being lied too. They don't even care when you advise the Supervisor a complaint would be filed.
Jason of Santa Clara CA (05/23/08)
i upgraded my debit card to a mastercard with paypass now every transaction i use with paypass does not show up as a pending charge and takes up to 2 weeks to post not knowing this i thought i had money, now my account is overdrawn with six overdraft fees at 33 dollars a peice effectively breaking me i don't see how than can possibly take all my money because i have online statements that were inaccurate
so far this has cost me over 150 dollars on less than 40$ worth of transactions had i known my account was negative i would have deposited money i don't feel its my fault that they offer a service that they do not fully support
Vikas of Lake Forest CA (05/22/08)
I have setup online bill payment for an appliance rental company Consolidated Smart Systems in Southern California. I paid my first bill online in month of March, everything was fine. In April by Bill was due on 11th of April, I setup the payment on 4th April, online info showed me that bill was paid on 7th of April. But it never reached the company till 18th of April, I was charged 15$ for same as late fee. I called Wamu three times, talking to three different people and each telling me that they will take the matter with the payee and will get back to me in 3 business days..needless to say that never happened.
This again happened in Month of may, again I was charged 15$ as late fee. I called Wamu and asked for supervisor and I talked to Catharine in San Antonio customer care center, she called the payee and called me back telling me that I provided incomplete information..mind you that with the same information wamu paid check in month of march. I called payee back and they said they never told wamu about missing information and late fee was charged because of late arrival of check.
I called wamu back and this time I talked to Kelly, now she tells me the same thing about missing information. I asked her about sending me a letter stating this case details with timeline so that I can take the matter up with Payee...she refused and told that she can only provide me information on why I was charged late fee and why my payee refused to refund the money. She might have some issues with giving this information in writing I guess as She become pretty offensive on this matter. Anyways, I spent almost 8 hours on phone with wamu and paid 30$ for no fault of my own. I am done with them and warn you to do online banking with them.
Faith of Richardson TX (05/19/08)
I was married a month ago, and I went to Wamu to change my name. I had been to the U.S. Social Security office and Texas D.P.S. offices earlier that day and had no problems. Then I entered WAMU. First I was told I could only change the name on my cards and checks, not my account. I would need to wait until I had a replacement license. What I have is good enough to get me a ticket if I get pulled over, but not good enough to change my name on my account. Next, the woman tried to tell me I should combine my 2 checking accounts (one is mine, and one I share with my husband) to make it easier. EASIER FOR WHO? So, she orders everything and a week later, my cards show up. The paperwork says my pin will come separately.
So, I wait. And wait. A week later and no pin, I go to a branch. I tell the guy I need a pin and he says you should have received it WITH your card. Seriously? How secure is that? I tell him no, but he won't believe me. He tells me he can't get me a pin, but he'd be happy to change the name on my account that the first said she couldn't do. So, i call CUSTOMER SERVICE. I'm told I can't be helped with a pin, so I ask for a supervisor. At which point the woman says fine, but i'm telling you now he won't be able to give you a pin. Pardon me, I thought I called CUSTOMER SERVICE. So, sure enough I'm told not only that he can't get me a PIN then (he can order one and I'll have it in 7-10 business days - A FULL MONTH AFTER I STARTED THIS MESS), but that no pin has ever been ordered for these cards.
So, I go back to the branch I went to last week with my paperwork from when I got the cards (now I had to prove I was right). I spoke with a branch manager who asked me to swipe my cards and use the old pin number I had for my old cards. Sure enough they worked! Okay, even she seemed surprised that no one had asked me to do that in 2 weeks.
Here's the worst part about WAMU - no one seems to know what they're doing. And everyone tells you something different. That's fine, but not when you're dealing with people's personal finances. They need more people to pull their money out of their bank so they go under (I plan to do that when I move next month, and my husband will be closing his WAMU accounts too)!
Latasha of Chicago IL (05/16/08)
I deposited $600.00 cash through the atm on 4-19-08,and my funds should have cleared in 2 to 3 days. I paid 2 bills over the phone. I checked my balance to see if my checks had posted to my account and it never did. I let a couple of days pass and i recieved a letter in the mail stating that my account would be on hold until my check I deposited cleared, remember I deposited cash. I went to the bank highly upset, the teller told me their was never a hold on my account, that cash was deposited into the account, no electronic checks came through and my atm deposit envelope was missing. As soon as I can make it to the bank I will be closing both of my accounts.
The 2 bills I paid over the phone will not let anyone use a check over the phone, and the bills are in my mother in laws name. I'm honestly scared to put money into the account.
Greg of Seattle WA (05/15/08)
I don't no where to start but over the course of three weeks I feel like I have entered the WAMU twilight zone and am just hoping to escape! I have never witnessed such utter incompetency, contempt and disregard for customers. 1. Received a notice via e-mail that my WAMU checking account was overdrawn and that my courtesy overdraft had been applied. Logged on as I knew this must have been a mistake and was astounded as the notice in my WAMU mailbox made no sense: Payment was presented for X amount and was returned because your balance of Y. Now, here is where it gets odd - I had almost 200.00 than the returned payment in my checking account and the notice said so - made no sense.
Called customer service - rep agreed it looked odd and started an investigation and suggested that I resubmit the payment - I knew better. The investigation would take up to five days. I also wrote to WAMU via online and received a message that I would receive a reply about the NSF charge in five days. In about three days - the payment was listed on my ledger as having been paid - even though the rep told me it couldn't be once it was canceled and even though I was advised to resubmit the payment - which I didn't. In the meantime I had written to my creditor and explained that the bank had incorrectly refused their e-bill and they had no idea what I was writing about as they had been paid?
4. The error was over $1,000 and I decided that I needed to change banks as I couldn't get a straight answer from WAMU customer service and was astounded about the run around - one message even stated, Thank you for your concern... My concern? It is my account! Things were weird and they hadn't even admitted their error or given me back my courtesy NSF. I spent over a week transferring money out of WAMU to a linked savings account; changing all my bill payments and opened a new checking account elsewhere - I was ready to close the WAMU accounts - no way...
First call was met with, We are having technical difficulties, can you call back. Called back ten minutes later, I can close one account over the phone but you will have to visit a branch or send a letter to close the other. I explained that I opened my accounts online - had no branch - and was assigned to Internet banking and I insisted that he please close both accounts - today. I was put on hold. Finally, after five minutes he came back we went back and forth and then he came up with - You need a zero balance to close your accounts. I said, Mail the remaining balance as a check. We went back and forth and I became agitated and continued to insist he close both accounts. He verified my address where the check would be mailed and finally agreed to close both accounts - I asked for a confirmation number.
They did not in fact close both accounts - they closed the checking and transferred the money to the savings where it sits. I am just simply astounded that any business could handle folks money in such a shoddy and cavalier manner and not be penalized in some way. I write this to warn others that you face similar treatment if you enter the WAMU Twilight Zone - stay away from them and save yourself the hassle and stress. I had been a good customer for nearly two years and was generally satisfied. But a bank that will make a major transactional error while handling a large payment and not apologize or follow up with an investigation is frankly, scary.
Clark of Escondido CA (05/14/08)
My Dad has a line of credit with Washington Mutual Bank $250,000.00 at La Habra,CA. Since my Dad passed away on January 03 2008 my brother has been drawing from my Dad's line of credit. My brother is depleting the line of credit. I am on the trust with my sister and the line was not mentioned to be used for my brother's living expenses. Why is Washington Mutual allowing the line of credit to be drawn from. Please investigate Washington Mutual Bank.
Tami of Sonora CA (05/11/08)
I opened a WaMu credit line for $500 in March 2008. Used the card a couple times, then sent my first minimum payment of $15, immediately followed by another payment of $50 in the beginning of April - 2 weeks before it was due. WaMu confirmed my payment and I thought everything was fine.
On April 17, I suddenly received numerous letters from WaMu in my mail. (Not my EMAiL, mind you, but the MAiL! Go technology!) I logged in immediately to my WaMu account and realized that I had somehow inverted or mistyped my bank account number I was required to supply off of my checks. I fixed the information and made my payments again. $15 minimum payment, $50 extra. Oh and I got to pay a lovely $39 late fee that could have been avoided if they'd contacted me at any time in the 2 weeks following my payment and before the payment was actually due.
Yesterday, (May 10) I received a letter in the mail from WaMu: Your payment for $50 was returned unpaid. As a result, your account will be debited for the check amount and your credit card account(s) has been permaently closed. Please destroy your credit card(s) and any checks or other offers you may receive from us. etc. Pretty brutal, huh? Kay, I realize I screwed up in typing the account number. But I fixed it and they got their payment. A day late, but they got it. Then they got another $50 on top of it which even went above and beyond their late charge. And that's what this letter is referring to and the reason my account was closed. The extra $50 I wasn't even required to pay them yet. The little to no margin of error with this company is scary. Have I happened to mention how much I adore Capital One?!!
Travis of Murrieta CA (05/11/08)
Get this one! I was traveling in Asia and my bank card expired on the 31st of October. I called Washington Mutual three times: October 3, 17, and 28th. The first time the guy said sure thing, we'll send you your new card (to my US address of course! as if WAMU would ever do anything nice!--got to love how they automatically upgrade you for free to Gold checking and then three months later start taking on a $5 a month service charge for that without telling you!--anyone have that one happen to them) . . .
Second time, I was on the phone for over 40 minutes, literally, 40 minutes (I know because they phone had a time read-out)! I would have stayed on longer but the guy at the hotel at to make me get off because I was tying up his phone line.
So then I called back on October 28th and the guy told me the card had already been sent . . . back in July! Well, no card ever arrived and I called the executive office Friday, which confirmed that they had never even sent the card despite my requests. Best part: I finally received my card in January after returning to the United States; didn't even get my PIN number until April!
A lot of sleepless nights, still recovering and I can't say my brain is a 100 percent yet . . . a lot of chronic headaches and general fatigue. Hard to get things accomplished. I had to live on the little I had in traveler's checks, and really had to stay in hotels (if you can call them that) I never would have stayed in otherwise and spent two nights on buses . . . hoping my health returns soon, or at least someday . . .
Chi of Pomona CA (05/11/08)
I open a saving and checking account with Washington Mutual on 3/2008. I know that money market account has 6 limit on internal transfer and 3 check writing, but I never know there are limitation the same on saving account.
The 2nd month I got a charge of $10 excessive fee for having 7 time internal transfer. I call them and telling them I did not know about it and hopefully they can waive the fee. I get all the way to the supervisor and putting on hold for almost 10 minutes. They cited me with all those Federal Reserve rule. They insisted they cannot waive the $10. I got very mad and told to close all my account and transfer to my checking, so I can close it with a couple of day. The supervisor said if I do online I get another charge of $10. I have to go to the balance to close it.
Rowland of Chatsworth CA (05/09/08)
I have been a customer of Washington Mutual for years.4 checks from my checking account wee stolen, when I realized that, inmediately called to check my account,to my shocking I found out that 2 checks were cashed or deposited into someone's account. Someone wrote the checks and faked my signatur.
Over a month has gone and Washington Mutual has not refunded my money.I have called them several times and continue to ignore me. This is worst experience I ever had with a bank. Washington Mutual is not to be trusted, offers no protection to his customers and when sometime ago I ignored some friends and acquaintances complaining that $500.00 or $300.00 were disappearing from their accounts and the bank were making it very difficult for them to get their money back, I regret that I didn't listen to them at that time.I will be closing all my accounts with them.
A lot of money is in question here and this has caused me a lot of sleeplessness and stress.
Jennifer of Woodstock GA (05/09/08)
I recently had to move into a new apartment because of a divorce. I had a free checking and Savings account through WAMU and thought it was great. I wrote a check for my application and administrative fees at my new complex, knowing I had the funds to cover it. I was $1.96 short due to a double charge (one real charge and one pending charge from the same company). The check was returned.
I contacted WAMU and was told it was my fault. I sucked it up and paid the $150 fee to my apartment complex plus a $50 returned check fee. The same day (my move-in day) I deposited $1530 in CASH to my checking account to cover my security deposit and first month's rent. It has been a week and my CASH deposit is still on hold, they have returned my checks to the apartment complex as overdrafts, then put a hold on part of my DIRECT DEPOSIT from my job.
I also paid two of my utilities companies with this account, and even though there is enough available funds to cover both, they returned them as NSF. I have repeatedly contacted them about this problem. I cannot get a person on the phone, just the automated system. I have sent messages via their website and have gotten canned answers that have nothing to do with my problem. Now I have to borrow $2000 just to cover all the things they returned and pay hefty fees. I work odd hours, so going to a branch is pretty much out of the question.
I now have to pay 3 $50 fees to my apartment complex, a $50 fee to my cable company, a $25 fee to my power company plus the $34 each charge from the bank. I have NO ACCESS to my money. I'm a single parent and I have to borrow money just to have food for my son. I could lose my apartment or they could raise my rent from the special rate to the market rate of $931/month. My credit is suffering. I have been so upset and stressed out that I have had two migraines in a week that required medical attention. I have not been able to sleep or eat worrying about this.
Susan of Harrison NY (05/09/08)
My bank card was stolen in February, the funds were put back into my account within 10 days; however, paperwork was sent to my old address which was never changed in the banks computer (not my fault); I never received the paperwork and the funds were taken out of my account.
It is now 3 weeks later, I've been trying to get the funds back into my account, the excuse I get from Ariel and Marie is that customer service just doesn't answer the phone... They're both on hold for hours at a time.
I need that money desperately, I live paycheck to paycheck and every bit counts. It's just not fair that the bank made the error and i am without money that I need to survive on. I keep getting the run around everytime I call the bank and when I do leave messages, they don't return my calls.
Frank of Los Fresnos TX (05/08/08)
I am a wounded veteran from OEF 05-06. According to the Soldiers and Sailors relief act, All service members that are serving over seas during war time are supossed to get debt relief from hour creditors. All of my credit cards and other creditors have droped my intrest rate to six percent, as instructed per federal government policy except WAMU. They are still charging 11.3% and have not lowered my intrest rate at all. I have even envolved J.A.G. lawyers and still the refuse to abide by federal law.
I wish the government would do something about this before we all lose our homes. I am more than possitive that I am not the only one they have done this to. they are not even my original mortgage co. I had no say in who bought my mortgage so that just leaves me high and dry, to let them do what they do best. I wish some one would help!
To this day I have been told several times that they would fix the problem and yet have not. Now when I call they just leave me on hold until I get pissed off and hang up.
Crizaline of Pacifica CA (05/07/08)
This bank is poorly operated. Every shifts I come in to do banking, there is always 1-2 tellers working and this is during the peak hours. The tellers are rude and could care less. The management, if there is one, treat their patrons as another number. There is no customer service whatsover. My husband's credit card statements was never mailed out until months later until he remembered of having opened one.
It turns out it was in recovery for not being able to pay the balance of only $150.00. That was all he charged. They never mailed out a single statements and because of that our excellent credit score could have been ruined for a measly $150 due to Washington Mutual's incompetency. We are planning to close our account and NEVER again deal with this C-Rated Bank.
Our credit score would have been ruined if my husband didn't inform me about the credit card account that hasn't been arriving.
Athina of Jamaica NY (05/03/08)
After not receiving a bill for my credit card since January 2008 to April 2008, I called the customer service number on the bill. I had sent in monthly payments and had no idea if received, recorded, what my balance is, etc. I reached someone who said that because I am over limit and therefore considered past due my account was in recovery. This was never stated on any of my bills. Lack of such information since January 2008 how would I be aware of this situation.
I asked for the missing bills and was told we are not sending you any more bills or letters. If you want a copy of a bill you have to put request in writing. O.K. what is the address and since I want to pay my April bill where do I send my payment. She said she couldn't give me that information over the phone. I asked, why not. You have to put request in writing.
Finally, after a few go-rounds of this conversation I was given a fax number and could send my letter to that number. I then questioned the fact that since I was not aware of the current status of my card account, what would happen if I didn't call but waited for a bill since sometimes mail is lost. I was told in no uncertain terms, well, it's your bill. It's up to you to call. We don't contact you. Once again, I asked, what would happen if I didn't call, what happens to my account. Oh, you account would be sold to someone.
Thiis became an unbelievable conversation. I had to ask, who are you and where are you. What is the name of your company. None of this information was forthcoming up front. I am assuming that WAMU wants to sell these accounts and are not going to contact customers. I guess they will make more money by selling and not by allowing customers to pay their bills. Sounds fishy to me and that WAMU is manipulating customers. I had to go to a local WAMU branch near my home to tell my story, get the right telephone number and where to send a payment. Keep you eye on the practices of this bank. Not interested in paying customers and they want you to bank with them!
Christy of St. Peters MO (05/03/08)
My APR for the credit card was 8.99%. I ALWAYS paid more then the minimum due and on time. I was NEVER 30 days late. We went on vacation and as soon as I came home I paid the card. The payment arrived one day late. Again, NOT 30 days, ONE day. They increased my APR to 24.99 on a card at had $6,000 on it. Not only that, but I was ONE day late on that card they increased another Washington Mutual Card to 30.99% for no reason other then being late on the first card.
I called and complained, went through one person to the supervisor and got the run around. She stated she couldn't do anything about it until the time came where WAMU reevaluates it. she could not tell me when that time would be. It has been 7 months and they have yet to reevaluate. I am just disgusted with these people.
The economic damage is the difference between 8.99% and 24.99% on $6,000. Loed knows what that will come out to be by the time it's paid for.
Stephen of Utica NY (05/02/08)
I was treated horribly by the manager in customer service. I made a debit charge out of my checking account for a set of tires for 371.00, normally when i make a charge it goes directly into pending status, which it did. Then 2 days went by and the charge went through, but there was another hold for 371.00 which put my account negative.
I called Wamu and they said it was the store charging me twice.So I spent two hours dealing with the store and there corporate office traced it back to Wamu, they said they were still holding for some reason.So I called Wamu back, I explained the situation again so he said I had to get the store on a conference call so they can remove the hold, so I did, and they removed the hold.
Meanwhile I got out of the customer rep that they were having some problems with similar situations. So no problem yet. Until later that afternoon, I received an overdraft fee for 34.00 ,it was reversed also, but they didn't reverse it because they made the mistake in the first place. They used my one overdraft reversal I had available.
Also a check posted to the account when it was negative and was returned, I will probabally get a charge from them now.
I called WAMU and explained the whole thing again, I explained how the whole thing was not my fault, but they don't like to hear that, so he said hang on I need to talk to a manager. I waited on hold for 10 minutes and the manager got on the phone and said, yes sir, I heard you wanted to speak to me unbelievable, now I had to explain it all over again, but she wasn't listening to anything I said, all she said was the reason the check was returned was because your account was overdrawn.
Now I am pretty upset. I had to keep explaining that it was not my fault, I only spent the money that was available in my account and she wasn't hearing any of it. She kept saying it is not Washington Mutuals fault. I told her I wanted to speak to her manager, and she got wise and said give me your phone # and I will have one call you Monday. This situation is a lot more upsetting than it sounds and the manager was really rude. I thought I liked this account, but I guess I don't.
Maybe they just don't care about their customers. I told her that I am closing this account because I can't believe how you treat customers. She said have a nice night sir. The problem is really turned out to be customer service.
Ken of Mountain View CA (04/30/08)
I am writing to file a complaint about Washington Mutual Bank (WaMu), and their Online Savings account program. On January 28th, I submitted online applications to open a checking and savings account with WaMu. They were advertising high APY rates for customers who open both a Free Checking and Online Savings account. These higher rates are called Relationship Rates, and here is the wording from the wamu.com website: 1 Relationship Rates/APYs. Open an Online Savings account with a WaMu Free Checking account online, or link a new Online Savings to an existing active WaMu checking account, and your Online Savings will receive the Relationship Interest Rate/APY and a monthly service charge waiver. Minimum balance to open checking and savings account is $1 for each account; minimum balance to earn APY on savings is $1. If your checking account is closed for any reason, or transferred to another kind of account, standard rates/APYs and standard monthly fee described in the Account Disclosures (including Statement of Fees and Rate Information) applicable to Online Savings will apply. 2 Standard Interest Rate/APY and monthly service charge apply for Online Savings account with no checking relationship.
So as instructed, I opened both accounts on the same day, although the Savings account did not get funded until January 30th. Although the interest rates have come down, they were as follows between February and April. This information was provided to me by one of the WaMu customer service representatives: * 2/15 - 3/20 = 3.93% * 3/21 - 3/28 = 3.49% * 3/28 - present = 3.25% But as I noticed on my account statements that I was only getting 0.25% interest, instead of these higher rates.
So I called WaMu on April 16th, and spoke with a manager named Cindy Davis (extension 5059). I was told that I was only getting the Standard Rate for savings accounts, instead of the higher Relationship Rate. I asked Ms. Davis to retro-actively credit my account at the higher interest rates, instead of the 0.25%, since WaMu had mistakenly not linked my accounts. She said that there seemed to be a mistake on WaMu's part in not linking my two accounts together, and that she would file an official review with the wamu.com back office. Ms. Davis indicated that corrective action would be taken within 3-5 business days in the form of an official letter response to my home address, and the appropriate interest rate credit. She also linked up my checking and savings account, so that I could realize the higher rates going forward.
I requested that I get a phone call about this situation, and a few days later, I did get a phone call message from the WaMu Management Resolution Group saying that I should call them back. So I called them back, but all I kept getting was a general voicemail box for Team 34. I left them several messages to call me back on my cellphone, but failed to get any response back. I left detailed messages with my account number, phone number, and the interest rate problem, and to call me back. But I got no further response from anyone on Team 34. The next day, I called WaMu customer service and asked them to calculate the interest amount I should have earned based upon my balance in my Online Savings account for the months of February, March and April.
This time I was told that they can give me the interest rates, but they cannot help me calculate the actual interest amounts I should have earned. They said that only the back office could do this, and that if I wanted this information, I should do the calculations myself. Again, I was told to wait a few more days to get an official response by letter. So I waited a few more business days, and got no response. So I called WaMu Customer Service again. This time, I spoke with a different manager, who told me that she could not give a status update, because whatever decisions that would be made would be sent out in a letter. But she did inform me that Ms. Davis had filed my interest rate review on April 18 (2 days after my call with her).
Because I received no phone calls, and no letters, I called WaMu Customer Service on April 29, and after much discussions with the customer service rep, finally spoke with a senior manager, named Katie Biltz, based in the New York call center. She informed me that the back office had made a final decision that it was my mistake, because I did not open both the checking and savings account at the same time using the same application. I mentioned that this is not what their website states (as noted above). Wamu.com only says that you need to have both accounts, but nothing about the fact that they need to be opened using a single application. I asked Ms. Biltz to help escalate this decision to their back office, as well as to her manager, and she refused.
She told me there is no further escalation I can do, because the wamu.com back office had made a final decision, regardless of the fact that I was promised a written letter of their official decision. Now, Ms. Biltz said that Ms. Davis was wrong about this, and that I will not be sent any letters, and no official communications about their decision. And if I was not happy with their decision, I was told to send a complaint to an entirely different department that handles general WaMu account services. This is unacceptable behavior, and customer service. Either they should change their website information about the Online Savings account, or they should honor it and give the interest due. But putting the blame squarely on the customer is not right. And by telling me that I have no further recourse, with no official communications in the form a written response is also unacceptable.
As a consumer with limited knowledge about the mechanics and processed in opening online savings accounts, especially one where the higher interest rates require multiple accounts to be opened simultaneously, WaMu's position that it is all my fault is disingenuous. I did what I was asked to do, which was to open a checking and savings account on the same day. It is WaMu's responsibility to link them and to provide me the higher interest rates as they have advertised. I would greatly appreciate your investigation into this matter, and to help remedy my being cheated out of thousands of dollars of interest income. Thank you very much.
I have been cheated out of thousands dollars of interest income, despite having done what the wamu.com website instructs. I could have earned high interest income with another online bank.
Heather of Lake Forest CA (04/28/08)
I use to work for WAMU back in 2001. I had to take an absense from work as I had an emergency back home in California. I was living in Washington at the time. You have to fill out your time card ahead of time every pay period, why dont even ask I think it's rediculous. While I was on an emergency back home in California I ended up in the ER and contacted my manager telling her what happend and had a doctors note stating I couldn't drive and was out of work for so many days. Once I ended up back at work I put my 2 weeks notice in.
They took a week worth of pay out of my last two weeks of work! After paying all of my bills and thinking I had all the money in my account they threw me into negative. They went into my account, without notifying me, and took out another weeks worth of pay. Now remind you they already took a weeks worth of pay from my last paycheck and now took another week by going into my account. This company still owes me $1000.00. I have been fighting it since 2001 and here it is 2008. Never work for them let alone bank with them!
They have sent me to collections due to the negative amount in my account cause of them. This negative amount wasnt my fault. It was cause of them taking my money. I have refused to pay this bill cause they owe me money. Now its on my credit and its of course a closed account now and deliquent and it has majorly ruined my credit. Now they have made it to where I can't get my own bank account for 7 years starting from the day they closed my account! So now I have to wait another 4 years before I can get an account by myself.
Lynda of Kirkland WA (04/28/08)
On 12/18/07 I went online to check my bank balance and activity as I do every day. I noticed a CHARGE for $205.75 at a Video/Gamming site in CHINA. Someone got my debit card number from PAYPAL and took it out of my account. The transaction type was: Debit without pin. I had just signed up with PayPal believing their system was SAFE, and I KNOW that whoever got my debit card number, got it from PayPal as it happened right after I gave ALL my personal info they asked for. I tried to pursue this with PayPal, but to no avail, and they would not even investigate it or co-operate. I immediately called WAMU and told them what happened and that they needed to replace this $205.75 immediately, and that I needed a new debit card.
It took a week to get my debit card (this was of course right before Christmas and my daughter's wedding) and more than a week to replace the money taken out of my accound fraudulently. I also emailed the website in China and TRIED to communicate with a person who clearly did NOT speak much English which was obvious from our *live person* communication. I was told there was nothing they could do and that the charge had already cleared. I asked for a supervisor/manager/owner and he said I would have to get back to them the next day as it was a different time there and no one in that position was there at 2:00am.
Then on December 28th 2007 I recieved a letter from WaMu Debit Card Claims from ALEX WILSON who was investigating my fraud claim. I was to fill out this Affidavit and return it in 10 days. I filled it out on 12/29/07. My daughter was getting married that night, so I laid it on my counter, and it got buried and/or misplaced and never sent, which I guess was partly my fault. Then I got another letter February 26th 2008 stating that WAMU has closed the investigation and since I did not send the affidavit to them in the timely manner I was suppose to (10 days) they were reversing the credit of $205.75, and that I better make sure there are sufficient funds.
I called this department and tried to explain I had misplaced this affidavit and it was a rather stressful time with my daughter's wedding and all that was going on, and the woman I spoke with was extremely RUDE and said, *that's not OUR problem.* So they took $205.75 out of my account. I had to transfer money from my small amount of savings to cover this amount because I had other bills to pay and this left me financially strapped and stressed. Then on 4/26/08 I recieved an email notice from WAMU so I went to my accounts online and there was a$10.00 EXCESS ACTIVITY FEE which I had NO idea what that was so I enquired with an email and they told me that my savings account is a *Limited Transaction Account* and that this type of account has likmitations placed on the amount and type of transactions which may be performed, due to FEDERAL REGULATION.
I was charged this fee because the account exceeded the number of transactions allowed. My statement savings can have only *SIX* limited transactions within a statement cycle without penalty. They went on to say I can find their policy regarding *Limited Transaction Amounts* in the Account Disclosures and Regulations relating to deposit accounts and other services and electronic fund transfer agreement and disclosures under the heading: Limited Transaction Accounts. This brochure is given to ALL customers anytime an account is opened. I have been with WAMU since the early 1990's, and I am quite certain I do not have that brochure, nor was I even aware OF this policy. The person who wrote me this email is: Paul Shaj Mannencheril/ Washington Mutual Customer Service who apologizes if this has caused me any inconvenience. Gee, thanks Paul...NO problem. I didn't need that $10 you took from my account. Just help yourself.
Having taken back the $205.75 that was STOLEN out of my account online has added financial stress to my life just as the $10.00 has. I survive on Social Security Disability, and 2 very small pensions, so YES.....this incident has created financial and emotional issues. I have copies of ALL correspondence in regard to the fraud situation and the excess activity fee incident.
Latoya of Compton CA (04/27/08)
I had a levy put on my savings account on April 1st. I contacted customer service to request that they send me all the paper work including the attachment papers from the law firm. They told me it would take 5 to 10 days to receive the info. It has been over two weeks and still nothing.
I called them back and asked to speak to a manager because most of the customer service people do not speak english. First, they don't let you directly speak to the people in the levy department so everytime i asked a question i was put on hold for them to ask it for me. I requested that they send the info again and they told me that i had to pay $35, eventhough I still have not received the original paperwork. All they kept saying is sorry and were not will to help at all, so basically I had all this money taken out of my account with no proof that it was for legit reasons except for what customer service told me.
The money taken from my account was exempt because it was financial aid for my tuition. In order for me to file for a hearing I need the paperwork and they are putting a delay on me getting my money back which will also delay me paying my tuition for summer.
Valerie of Birmingham, AL (04/25/08)
I called in first week of April to put a stop payment on a transaction, the transaction went through anyways. I then called back to inquire what had happened spoke with "Joe" who promised in 1-2 business days I would receive credit for the transaction and 2 34.00 overdraft fees. I called back just to verify transaction and again was told 1-2 business days.
I call this morning to inquire why my money was not there I was told a new story 5-7 business days. I asked to speak to 1 supervisor who hung up on me and another who told me that there were liars working there and they have given me incorrect information. I will be closing my account by the end of the day.
Christine of Aurora, IL (04/25/08)
washington mutual card service will be rasing my intrest rate to 31% in june for no good reason. i do have other credit cards that are not late and always paid more then the minimum amount due.
i have asked for a rate reduction but have had no success,my minimum payment is 279.00 a month now.
Rach of Alameda, CA (04/25/08)
I should have read all of the previous complaints about Washington Mutual before I listened to my friend's great words about WAMU and to open an account with WAMU. I got hit badly with their hidden finance charges and very odd payment posting policy. I transferred some big amount of dollars with their new card offer.
When I received my first statement, there was more than $30 finance charges. I called and asked what happened. It was my first bill, and I am planning to pay off the balance transfers. However, they told me that from the first day of the balance transfer, they need to charge the finance charge on the balance transfer. I asked if it can be waived since I will pay off everything & it was my first bill. They said no and will only stop the finance charges as long as I pay off everything.
Then later I found out that the money I paid to cover the balance transfers total but they applied them to all the new credit card charges I made instead of the statement balance. I asked them why, they replied that because whenever and whatever amount they receive, they will apply to the credit card charges first, and of course, they will continue to charge me finance charges on the balance transfers, which I thought I have already paid off.
So, I paid them everything. Today, I received my 2nd statement, and there is a new finance charge, I asked what happened. They stated that it is the remaining finance charges due to my new charges and the time before they received my payments. I asked what is the way to stop their money making from me like that. The result is to stop using that stupid WAMU VISA card, and pay off every single penny.
Kristine of Richardson TX (04/23/08)
On 4.23.08 I deposited more than $22k into my business checking account. This deposit consisted of six separate checks ranging from $420 to more than $10k. When I received my receipt it said that all the funds, except $100.03 were on hold. Not only were the funds on hold, but it said they were only hold because I deposited more than $5k into my account in one day. Plus, they were going to release the funds in stages over a two week period of time. I called our branch to complain to the branch supervisor. She said that this is a new process and that any check over $5k will not be placed on hold. I advised her that out of this deposit only two checks were in excess of $5k, so only two checks should have been placed on hold. I also asked her how the bank could justify placing a hold on the checks for two weeks.
In today's electronic banking era it doesn't take two weeks for checks to clear. I understand that banks will place a temporary hold on certain types of checks from time to time, but it seems WAMU is taking advantage of my money and penalizing me for making a large deposit. If the bank puts this type of hold on all small businesses, it will restrict the businesses ability to pay its suppliers in a timely manner. This banking practice is unfriendly and should not be allowed to occur. If you are a small business be aware of this new WAMU banking practice. By the way, the deposit receipt even says that they will pay any fees for overdrafts or returned checks that result from the hold when the checks clear, but only upon request. This must be the new way for WAMU to generate new fees and penalize its customers for banking with them.
Fortunately we have a healthy cash flow, so the hold doesn't impact us. It concerns me though that this new practice could lead to other anti-consumer/small business practices.
Barbara of Paso Robles CA (04/23/08)
I have been paying a balance on my closed account, but the problem I keep having on a regular basis is that Washington Mutual keeps locking me out of my online account, so that I cannot make the payments on time. Then they harass me over the phone because I will not pay them the check by phone fee (why would I pay them to take my money when I can pay online for free??). This is the second time they have turned me into collections for this which is their own stupidity. When I have tried to just go ahead and pay the payment by phone I get transferred to the home loan department and they can't help me so they hang up on me.
Now I have been turned back over to the collections department who is putting words in to my mouth saying that I am refusing to make y payment when that is not the case at all. I will not send payments through the mail for personal reasons thus leaving me with online payments which is fine but the way I look at this is if they transfer me hang up on me and lock me out of my account is them refusing to take my payment, which if I am not mistaken in the state of California means my balance is paid in full. I am tired of fighting with these morons, they are trashing my credit and I have had about all I can take.
They absolutely have NO IDEA anything about customer service. Not to mention they assessed 2 late payment fees for locking me out of my account the first 2 times which they have said they will return to my account AFTER I pay it current, how does that work if I owe money they want it NOW but as the consumer I think they should have to return it since they screwed up and include the interest, which will never happen according to them and their lovely collection company IC collections. What do I do from here?
My credit has been seriously impacted. They have harassed me to the extent of me turning my phone off which mind you I need for work. All hours of everyday. It is sad that a consumer should have to be treated this way. Also was declined to refinance my truck because of them!!
Joseph of Poway CA (04/22/08)
I have a free checking account with Washington Mutual with overdraft protection, I have had this account for many years. As advertised, there is suppose to a one time per year overdraft charge, well they did not wave this charge and after several E-mails they told me that in fact I do have this type of account but I would have to go through a conversion process? to be eligible for that benefit next time? it should happen. Well, it probably wont happen again, in fact I believe that is the 3rd time in my life that I have had that happen ever, so it should waved this time, as advertised.
I was charged for a $33 overdraft charge which should have been waved.
Keith of Orange CA (04/21/08)
I am very displeased with Washington Mutual Bank and its banking policies. They advertise that they have No hidden fees?. Yet, Ive been hit with hidden fees? 3 times in the last 60 days or so. The first two times were due to a re-qualification process that I must go through each year because I live in a low-income? government controlled housing project. They must verify each year that I have certain accounts with various banks and when they attempted to do so this year (the first time its ever happened), I was slapped with two $10.00 fees.
Just this afternoon (April 17, 2008), I transferred $50.00 from my savings to my checking. My wife is currently laid up and not able to work (short-term). Anyway, under these circumstances I have needed to access my savings. I probably have accessed it (maybe) 3 or 4 times in the last 30 or more days (at least thats what it seemed like to me). I was shocked because when I went to confirm the transfer amount and accounts (I dont recall receiving any warning at all), it suddenly showed an additional $10.00 charge on the account (excessive usage fee)? HOGWASH!!! I am transferring all money to Wachovia and closing my accounts. Im sure this does not affect Washington Mutual greatly, but if I were an attorney, I think this kind of service would justify a class action lawsuit!
Alexander of Las Habra CA (04/21/08)
My son who is attending school in Austin Texas received school loan check from Education Partners in the amount of $9000.00 that I co-signed for.Checked was mailed to his home in La Habra Ca.I forwarded check to him for his signature and he returned to me for deposit in his account at Washington Mutual in La Habra.I attempted to deposit check in his account and the branch manager would not do it citing bank RULES that since we did not have a joint account she could not put it into his account as the bank could not be responsible for who would be drawing out the funds which did not make any sense at all.
I explained to branch manager that I had account at bank for almost 20 years and had a continuous flow of funds over $10,000 a month and that my son had had account for a number of years and that I needed her help in getting funds deposited as he had to pay tuition asap.She said sorry cant do nothing for you and I then said as the Branch Manager you have the power to do anything and I need your help.She then turned and just walked away leaving me standing at the Teller window.I never met such an incompetent manager in all my life.It is scary to think that she is resposible for a bank.I will close out all of my accounts within the next two weeks at this bank.
Julie of Davenport IA (04/16/08)
I telephoned the credit card company to ask in a reduction of my interest rate which is 31.99%. I have a credit line of $1336 and my balance is $375.48. I asked for a reduction and was told I'm not eligible at this time. I asked when would I be? They said They do not know. I asked if I have ever been late in making my payments...they said no. I then asked Why can't I have a reduction in the interest rate. They said because I'm not eligible and they have no idea when I would be.
I was told to sit and wait. They will send me a letter when I am eligible. I only owe $375 and will pay it off next month if not this month. It seems unlawful to not take a request into consideration. They could not give me a reason or could not tell me why I cannot have a reduction. 31.99 % is a loan shark! We have several credit cards that have high interest rates and we are working very hard to pay them off. We got into financial trouble when my husband's career of 15 years was eliminated from his employer. He had to start his own business and we are trying to recover from this catastrophic financial mess. We are good people, educated, and hard workers. We don't deserve this interest rate.
Only emotional stress...I'll survive.
Arlene of San Dieog CA (04/16/08)
On 03/16/08 I made a mortgage phone payment at 7pm Pacific Stanadrd Time. Monthly bank statement states to avoid late charge of $87.46 payment must be received no later than 03/16/08 during business hours. Statement states customer service is available for phone payments from 0600 am to 9pm Pacific Standard Time.
Although payment was made in accordance with directions on statement before a late fee would apply, a late fee was applied. All of this is documented by WAMU. Despite and contrary to stated directions on bank monthly statements WAMU claims phone payments must be received before 3pm Eastern Standard Time. How much money do suppose WAMU collects from this scam?
Jonathan of Klamath Falls OR (04/15/08)
Washington Mutual has hit me with hundreds upon hundreds in overdraft charges. I am a college student, so money is calculated down to the penny for me. I noticed that WaMu won't post transactions for up to three weeks, making online banking impossible. Typically, you'll see transaction pending when you have the funds to pay it, then they'll wait until another debit hits your account (or fees) and then they'll hit you time after time after time.
I work only 23 hours a week, since I live in a small town and go to school. When my account is overdrawn (usually after payday) I can't afford to eat or buy gas. THIS ISN'T LIVING. They are attacking me because I am on the poverty line. This is wholesale disenfranchisement.
Ralph of Allentown PA (04/15/08)
Arrow financial Services has filed a lawsuite for a Washington Mutual credit card without sending me collection letters at all, and Wolpoff & abramson, L.L.P is also trying to collect for the same credit card under Providian Bank which are the same company. Is it legal to collect twice for the same account?
Can not pay. Not enough income to pay all utilities and mortgage not even with my wife income.
Jonathan of Austin TX (04/14/08)
I closed my bank account with Washington Mutual in 2005. I did this because I was going to study abroad in a foreign country - I'm a college student, I was 19 yrs. old at the time - and I wanted to open account with Bank of America. I had been charged some kind of fee because I'd made an overdraft at one point. So, and I remember this clearly because I had no money and had to go to my parents to get the cash to pay off the negative balance and I was worried about getting in trouble for it, I went to my parents and they gave me the money to pay off the balance. It may have been a check, but it might have been cash: I don't remember, all I know is that I DEFINITELY paid off the negative balance. I couldn't close the account with a negative balance, so I CLEARLY remember having to get the money so I could go pay it off.
About 3 years later 2007/2008, I get a letter from RJM acquisitions saying that WaMu sold them my account with a negative balance. I had no idea that i would need to keep receipts from checking account transactions from 2005! I have no way to prove that I paid off the account, but am confident that I did - I know that I NEVER would have not paid off the account because I had been told that you couldn't actually close an account without paying off any debts on it. The bank never contacted me to tell me I had an account balance or anything of that nature! I heard nothing about this until 3 years after I supposedly closed an account with a negative balance on it...
I'm a student, I don't have much money. I was told that the account was good and paid off and could therefore be closed, so I closed it. Now I have some collection agency coming after me trying to make me pay money when I can't really afford to be paying some BS charge that I know I don't owe. I have perfect credit, no history of not paying off debts or anything. There is nothing to suggest (in my track record I mean) that I would do something like this, yet WaMu and RJM acquisitions can just accuse me of owing them money?
Margaux of Long Beach CA (04/01/08)
It has been confirmed by a Washington Mutual Employee that they post the debits first and the credits second to your checking account. So when my paycheck was electronically credited to my account at midnight on 3/31 I was still overdrawn until that evening but the debits kept rolling in. I check my account online and it said I had $3800.00. But when I tried to use my debit card to withdraw cash it would not let me. Of course when I used my debit card to pay for things that day I was allowed but I was charged $30.00 every time I used the card. I cannot believe this is legal. I am closing my account.
It has cost me literally hundreds of dollars until I finally figured out that they were posting the credits last. Someone should file a class action law suit.
Beverly of Battle Ground IN (03/28/08)
I have had a credit card with Washington Mutual for over 6 years. At the time I got the card, the company was Providian. I have always paid them before the due date. I have never gone over my credit limit. I have always made at least the minimum payment and usually, over 50% of the time, have paid more. Last month they increased my APR to the default rate of 51.55%. I called them to ask why. They said they didn't have that information but could send me a letter within 30 days. I just got the letter. It is because of other credit issues I have. None of these issues is late payments. None are defaults. I have one argument with Sallie Mae over a student loan with a balance of less than $350.00. I don't feel this is a fair business practice at all.
My minimum monthly payment has increased from $189 to $252 overnight. This will be a crushing blow to me financially.
Lynne of Chicago IL (03/23/08)
I have a credit card with WaMu, pay completely on time, and am paying down my account. Now I have discovered that my APR has jumped to 21%. The answer for the question why? Because we can. My amounts on my cards recently jumped because both my parents died and I needed to pay for funerals which are very expensive (another issue). So, because of a general profile based upon formulas known only to the card company, my reasonable APR jumped to a default APR.
This additional jump in my debt has placed even more pressure on me - a solid payer, never late. Besides my parents' deaths, I also got laid off and then received this news that the APR was being raised. How does this serve anybody except for the companies who will do anything to squeeze as much as possible out of the consumer? This is downright cruelty. I sacrificed simple necessities for the next 6 months to pay off this card and I vow never to use a WaMU product again! When will the public be able to make our voices heard regarding these credit card companies? WaMu will never receive my business again in any form.
Rose of Enid OK (03/11/08)
On 8-29-03 my husband took out a loan through SYB. 48 hours later he was in hospital being diagnosed with a grade four brain tumor. On 11-12-03, I was being treated for fibromyalgia. At this time Washington Mutual got the loan. At the time of this transaction both my husband and I were ill. We didn't know of his brain tumor. August 18, 2003 My husband went and got a complete physical from his doctors and got back results as being in great health. But he was out of control, I couldn't stop him from doing anything.
It looks like Washington Mutual and SYB could see legal documents and let me out of this deal but I was told I signed the papers also and was responsible for the debt. My husband was out of control with his undiagnosed brain tumor. He threatened to kill us and everything if I didn't do as he commanded. I have doctors report saying what I'm telling you really happened. I didn't sign any papers willingly. I wasn't working and was sick. I couldn't pay anything. With in 48 hours after this happened I was being held soly responsible for this debt. I lost my home, my retirement, my savings, plus my fybromyalgia became worse. Now I'm on social security disability. I couldn't afford and still can't afford an attorney to fight for myself and through no fault of my own, I lost everything. Can anyone help?
Chang of Yorkville IL (03/09/08)
I deposited a check that paid to my nickname. That's usually what I go by. The check was returned to me stating that it was 3rd Party Check. I had requested payer to reissue a check to my legal name. I deposited and without knowing it, they decided to close my accounts and hold all the amount in my accounts. I called to see if I can get all the money back but they told me the check will be issued to me on 26 Feb, the day the accounts will be closed. I waited for more than 1 week and I did not received my check.
I called up Risk Management and was told that I can go to any WAMU to get the check since the check was deposited on 11 Feb. It gave ample time for the bank to close the accounts. So I went to the bank to get my cash but it was still put on hold and have to get the payer and me to sign a waiver! So I called Risk Management about this again and she was using unprofessional language. From 11 Feb to 7 Mar, they did not do any investigation to finalize the closure until I called. She said they would do an investigation and get it resolve within 72hours! I really can't believe what kind of service WAMU had!
It is not small amount - $2,800. Most of us are living with pay check to pay check! They are holding my amount for almost 1 month. I had to pay extra interest, numerous phone call from creditor for payment. This is giving me tons of problems!
Warren of Stoughton MA (03/07/08)
I have had a Wamu Credit card since 2005 and have paid on time, never been over my limit on this card and all my accounts since 2002. I have just found out that my rate was bumped from 10.99% to 23.99% and when I asked them to explain why, I was told that it was based on my overall credit, which does not make sense. When I received this card in 2005 my credit was much worse than it is today, further more my balances were much higher in ratio to the limits.
I have had to close this account and now my debt to credit ratio has shot up and will impact my credit score. This is no way to treat a consumer, one of many that pays his or her bills and shows financial responsibility.
Maria of Pasadena CA (03/06/08)
Since Washington Mutual took over Providian credit cards, my APR rate has change from 7.99% up to 29.45% without any good explanation from Washington Mutual, as I never pay later, always pay more and never go over my credit limit. I contacted customer service, had a conversation with someone at customer service, with no results. I am getting sick just thinking how to get out of this debt with this APR. I have other credit cards with much better APR but don't have room to transfer at this time such amount.
My stress level is really high, as I try to squeeze payments for many of my debts and just to think that this Washington Mutual is not helping consumers, they just take advantage from individuals that need their services.
James of Simi Valley CA (02/26/08)
A few years ago I was contacted and asked to buy what Washington Mutual called CREDIT PROTECTION on my credit card accounts with them. For a few hundred a year per account I could protect my accounts if I ever lost my job or became disabled. Sounded like a good idea up until I needed it. Back in June I injured my back and needed to use my so called CREDIT PROTECTION, this is where the scam starts.
I filed the paperwork as required which took over four weeks for this to happen. The protection was activated and my next payment should have been due in Nov but I was still disabled because of a back surgery that was done in Aug. They lost the paperwork so I had to file again and again they lost the paperwork so I filed everything again and this time they got it straight I thought. I got a letter in the mail telling me my protection is extended from June 6 2007 until April of 2008. Why would I think anything would be wrong with that in writing? I get my bill that should have been the same balance as it was when I got hurt but NO, there is almost $700 (on both cards) in interest fees, late fees and my credit limit on both my accounts had been lowered below what was owed so I was also hit with over limit fees which bring on a higher interest fee also. With a little checking I also found out they reported to the credit agencies 30 day late payments.
I have called Washington Mutual many times and they state they do not make mistakes. The wonderful words you don't understand how this all works is everyone's answer to everything. As a customer service they will refund two $39 late fees, boy aren't they nice, refund $78 but keep $622 and keep my credit screwed up. Doesn't this sound like a great deal to pay for? Now I have gone up the chain and have been told by one Ben Shandobil that he answers for the CEOs of the company and that this is how this is and of course I just don't understand. Not only does he answer for them but he also has been calling to rub in that he has checked further into this and he is still not going to remove anything from my credit. I have requested he not call but still continues to do so. Every WaMu customer service person I have talked to states they have it on the computer that he is not suppose to call and not sure why he would be. I do have ALL the letters showing I was covered and the dates of coverage.
My credit is damaged so I cannot get a home loan. Other credit card limits have been lowered because of a low credit rating due to the report. Additional fees I now have to pay because of all this.
Kelly of Modesto CA (02/23/08)
On February 20th, after searching everyone on their website, I called WAMU's 800 # to inquire about the fee to obtain copies of deposits I had made. I was told by the representative (had a very heavy accent) that the fee would be $5. I knew that I had at least 5 checks in the deposit I had made, and I only was willing to pay $5 to obtain this information, so I asked for clarification. Was it $5 total...or $5 for each check? She answered, "It will be $5." I should have asked again, since that really didn't answer my question--but that is hindsight. I had taken that to mean $5 total. The next morning, I checked my account, and $90 had been charged for the request. I immediately called to cancel the request. I was told that it was too late; the request had been put through.
I explained to the rep that I hadn't agreed to a $90 charge...I agreed to a $5 charge. She said again, there was nothing she could do. I called back 5 times, asking to speak with supervisors each time, hoping to get someone who realized how wrong this was, and to cancel my request and reverse the fees. Over and over again I was told there was nothing they could do. How can a bank legally withdraw an amount from my account that is different than what they quoted me? And worse...they take NO responsibility for it! I feel as though I have no recourse. I am stuck.
I had $85 stolen from me.
Francisca of Dallas TX (02/23/08)
Washington Mutual Bank is probably targeting some individuals to profit from with their business practices. I was once late on my payment, and they jacked up my interest rate from 11% to 31%. Then again, my credit card was fraudulently charged in another state. They are not doing anything about it. I need to file a complaint with the government.
This is ruining me financially by having to pay this Bank $120.00 monthly on interest until I find another card to transfer the balance to.
Babette of Akron OH (02/23/08)
I paid my bill off $2,095.00. I called and asked them to waive the interest fee and close my account. They never did; they charged me interest and an LPC. It was one day late; they gave me no grace period, and as a courtesy they should have waived the fees. All the other credit card companies waived the fees. The people I spoke with were very nasty, talking loud. So I talked back. They were rude and could not speak English and comprehend. I want reimbursement by check.
I have high blood pressure, and it made me very sick. I was on the phone with these people for hours, and one of the CSR's hung up on me resulting in me having to call back. When you pay your account off in full, trying to help the economy, you expect some respect. They treat you like you are dirt. They are terrible.
Marilyn of Lakeland FL (02/20/08)
We operate a couple of businesses. We have deposited funds from one account to the other and washington mutual decided we have too many debits and credits, so after two years without a problem or a phone call or any type of discussion, they closed the account. Now, I don't have a problem with them closing the account. If they deem that is in their best interest then as a business they have that right. Additionally, I think we signed something giving them that right. But I don't understand how they deem they can hold our POSITIVE BALANCE of almost $2,000.00 for ONE MONTH without giving it back.
The consequences are substantial. Due to the fact this hardship was brought upon us with NO WARNING - NO DISCUSSION, they have tied our hands behind our backs. They have caused us to have a utility shut off by returning a check when the funds were available. They have completely stopped our business for the last 5 days while we re-set things up. It has been complete hell for us - an absolute total nightmare to have your entire existence in an uproar. They refused us the right to view our account and see what has cleared and what has not. When we try to ask them questions, they have screamed at us verbally and hung up.
Jeanette of Granite Bay CA (02/20/08)
My Washington Mutual card was paid as agreed; I paid more each month than what was required. I paid more often than what was required. I accidentally used wrong routing # twice to make payment, but I made another payment to make up for my mistake. Because I put in a wrong routing # to pay on my account twice, WAMU reported me.
Because I put in a wrong routing # to pay on my account twice, WAMU closed my account and reported to credit agencies that closed by creditor for 2 bad payments. I do not want the card anymore, I want my credit rating back.
Paul of Warrenton NC (02/17/08)
I got a charge on my credit card from Blizzard Entertainment for $14.99. I called WAMU and they wanted me to fill out a form. I thought that is why I pay finance charges. I am really upset with WAMU for not helping me more. I am waiting for the form since I could not find where to download the form on their website. Please stay away from these people. I do not think they know what they are doing. All I can say is they provide very poor service to their customers.
I wish that they could get it straight so I would have access to my money. The girl I talked to on the phone did not sound very intelligent. I think these people hire people off the street to answer the phones.
Jacqueline of Clermont FL (02/13/08)
I Went to Walgreens right next to my house to buy somethings and and my card wouldn't go through. I tried 3 times and all it said was Invalid card or something like that. So I went outside to call Washington Mutual because I KNOW I have money in there and they told me that my account was canceled because a person living in my same household (had my same address) owed the bank money and they told me I can go in anytime and take out all my money because my account was going to be canceled if my brother, which is the other person living in my household, pays the bank. I kept calling and tried to fight it and the lady hung up on me. My brother has NOTHING to do with me or my expenses, which is why this made me so mad.
My taxes were supposed to get deposited into that Washington Mutual account and the only way I can find out if that money is there yet is to go in the branch and take all the money out. I had to go out of my way that same day and open a new bank account.
Assad of Miami FL (02/12/08)
I have been paying for credit protection on this credit card in case of an emergency. Last year I lost my job in part because I was sick. I called and emailed washington mutual about my problem so said they would send me paperwork to activated the credit protection plan I have been paying every month. They never sent me anything and sent me to a collection company. This is after almost $50.00 they charged me every month for the credit protection they back up and don't want to pay and are ruining my credit score.
Rachael of Fayetteville GA (02/12/08)
It started out I was just getting a card for the Home Shopping Network when I realized it was a card for WAMU. I was pleased, thinking I could make payments at the local branches. I thought the ads for the bank were kind of neat and it made me think about changing from my current bank for awhile. Then I discovered I could not do that. I was able to make payments online and ahead so that worked out. I paid my payments on time every month, paying $150 on the 6th of every month and sometimes more on the 20th. Then we refinanced our home and decided to pay off all our medical and credit debts including our HSN WAMU VISA card which was almost at its limit $2500. As soon as we paid all of these off, much to my surprise, the account I had made sure was current and paid more than necessary on to keep a good record with them and the one that actually made my credit higher had its credit limit reduced from $2500 to $250!
My credit was better but they reduced it for credit reasons? I was livid, but there was no talking to them. Today I decided I would use the card, (after I had made my usual $150 payment on the 6th since I still owed $200), and low and behold their account reps are saying, it is a rather large payment so it takes more time to be sure it clears your bank before we can credit it to your account, (scheduled ahead of time for the 6th and still not clear on the 12th) this same payment that I have been making for years!
It caused my credit rating to dip, I could not purchase the medical or other things I needed. I had planned on Jenny Craig but could not.
T of San Jose CA (02/08/08)
I love WaMu. I balance my checkbook. I pay my loan through auto-pay. I pay my bills on time. I make sure that I have the money in my account before I spend it. I account for all my receipts when I use my Debit Mastercard. I take responsibility for my actions! I read the fine print!!
I love WaMu. People need to learn responsibility. WaMu checking is FREE. Tell me a bank that doesn't charge for its checking account.
Alvaro of Burbank CA (02/07/08)
Someone put money (about $2200) electronically in our commercial account and then when I looked online the next day I saw that they pulled all that money. I called wamu and first thing they said was that because I called so late (next day) that they could not help me and that I have to make a dispute with that company. I told them that I do not know them and the problem is that I wrote checks for that amount and that they are not going to be covered, but they told me that it nothing they can do. And then they overdrafted my account and they sent me to the check listing so I cannot open a business account. They never did anything to help me to solve this problem but know they report me to the checking company that I did not pay the overdraft. If they charge me every time $30.00 for transactions it starts going up and up. I called them and said I will pay what is owed but I need you to call that company of checks and tell them that it was paid. And they told me that they cannot do anything, I believe that wamwu does not care about their customers at all.
My consequences now are that I cannot open an account because they reported me to the check system. Even if I paid them they still will not removed that. I think it is totally unfair for them to charge me those $30.00 fees and the account keeps adding and adding.
Jeffrey of Rancho Cucamonga CA (01/29/08)
When my stepson was 16 years olds, my husband opened a savings account so that he could start saving his allowance. Because he was a minor, my husband had to put his name on the account. That was four years ago and in the meantime my stepson had jobs and used the account, never abusing it. My husband left the account as is, never thinking anything would go wrong.
One day my husband got the mail and in doing so collected five NSF statements. What my stepson had done was deposited empty envelopes into the ATM and withdrawn money, to the tune of $1,200.00. My husband called the bank to see what this was all about and was informed of what was going on. My stepson is an adult and was approached by my husband (he no longer lives with us) and his response was he needed money. My husband called the bank and spoke to someone at that time that informed him that it would not affect him (we have other accounts at this same branch) and that they would close this account so that my stepson could not do this anymore. Instead of going after him, aside from putting him on CashChecks, nothing else was going to be done to him, but Paula, from the Risk Management Dept. of the bank said they took the $1,200.00 from our account, telling my husband that they knew he didn't do this, because he doesn't even have access to that account, but it was their right to take the money from our account. How does this hold my stepson accountable for what he did to the bank and why do we have to pay, when in one breath he is told, we know you did nothing wrong, but then we are still punished for the wrong that was done by someone else. Do we have any recourse?
Stephen of Flushing NY (01/25/08)
I opened an account with Washington Mutual in September of 2007. Around mid November of the same year, I discovered an unauthorized charge to my checking account, and reported it. The account was subsequently closed due to it having been compromised. I then opened another account to replace the account that was closed, and in the first week of December, asked a friend of mine to deposit $150 (which is a payment toward a larger amount that she owed me). The person made the deposit, but decided to also deposit a $1,200 check into my BRAND NEW account, which was a sincere effort to pay me off in full, figuring what could go wrong, if the check bounces, I can pay the returned item fee.
The bank made $100 immediately available from the check, BUT NONE OF THAT MONEY WAS EVER TAKEN OUT OF THE ACCOUNT. The check bounced, and the bank took back the $100, closed all my accounts, and reported me to ChexSystems (even though they told the local branch I was at when they closed the account that they WOULD NOT report it). I was reported for account abuse, and yet I NEVER EVEN KNEW that the deposit was even being made. According to them, I was guilty because I allowed someone else (who is usually very reliable) to make a deposit into my checking account. Talk about being railroaded!
By the way (and this is not related to the above incident except that it involves the same bank) I was a faithful Visa credit card customer with the bank for close to two years now, NEVER making any late payments, and just learned last week that they are raising my interest rate from 12.99% to 23.99% (because of something they thought might be a threat which they found in my credit report).
I can't open an account with Commerce Bank, which is my favorite bank. And when I tried to open an account with North Fork, I was notified a couple of weeks later that the bank had to close my accounts because I was reported to ChexSystems by Washington Mutual.
Vidhya of Studio City CA (01/25/08)
I was a victim of identity theft as was my husband and others in our apartment building last year. Several accounts were opened under both my name and husband's (plus the other victims) by presumably the same individual. We promptly pulled our credit report, filed a police report, and notified all the relevant companies about this. Washington Mutual was the only one which required a notarized affidavit which was filled out and send back to them including information that our whole building was effected by the same thieves. My husband bank account was closed but now they have denied my claim. When we called they would not give any information on why a denial took place and required us to fax them saying we again did not open the account. They have effectively put us in a catch-22: we have to deny the denial without any recourse.
Jay of Rancho Santa Margarita CA (01/23/08)
I went on vacation on Nov. 08, 2007 and came back on Dec. 11 and on Dec. 12, I called 911 and was taken to the hospital and surgery was performed and from there I was taken to rehab center till Jan. 16, 2008. Before I went on vacation on Nov 08, 2007, I made advanced payments to my HELOC and mortgage loans. I also notified WA-MU on 888 and 800# and branch people. But when I came back on Dec. 11, (My ex wife opened the letters) there were many letters and threatening phone calls from WA-MU demanding money. WA-MU also assessed the late fee for Dec. payment though I made payment in advanced for Dec. payment. I have all documents to prove. WA-MU person talked to my ex wife demanding that my son answer. Since I was in hospital and had a surgery, I had no clue what WA-MU is talking about and my ex-wife did not understand, so I had to arrange to call my son from San Jose to come and straitened out this mess with WA-MU. My son drove from San Jose and took several days off from work and searched all receipts and went to the branch #1354 with all receipts to straighten out the mess and then and then only WA-MU reverted the late fees. WA-MU demanded wrongly and did not realize by acting irresponsibly WAMU caused significant problems on me as well as on my son. I think it is very irresponsible, harassment and greedy act on part of WA-MU
I am asking for $15000 in damages.
Ale of Sacramento CA (01/21/08)
I have enrolled in wamu online statements. I have no other contact with wamu but online. Today I accidentally clicked and requested a copy of a check. No where in that webpage did it tell me I was going to be charged if I click request it. It does not even says how much. Only after I requested it, a pop up window told me I will be charged for it. But again, it does not say how much I will be charged. I immediately called the bank to the 800 number and explained that I did not know they were going to charge me. They did not care about my situation and told me there was nothing they could do. That I was still going to be charge for it because I requested it. But I did not know I had to pay! It did not warned me at all before I clicked!
Connie of Canton GA (01/18/08)
I went into my local Washington Mutual branch to deposit a $3500 check. Before leaving the bank I was told that the deposit posted to my checking account and the funds were immediately available for withdrawal. I checked my receipt and it confirmed what the teller told me. On the same day of the deposit, I initiated a $3300 ACH transfer from my checking account to another bank. On 1/14/08, the deposit date was 1/11/08, I received a account alert stating that my ACH request was denied for lack of funds available. Of course I immediately called the 800 number to find out what was going on because the teller, my receipt, and the web site told me the funds were available for withdrawal. I was told that the risk department put a hold on the $3500 check deposit but wasn't given a reason. The next day I went into the same branch and asked why I wasn't told about a possible hold and why the teller told me the funds were available for immediate withdrawal. Because of the hold on the funds, my other checking account now shows a negative balance. When I asked what could be done, since this was clearly not my fault, the teller told me there was nothing that he could do and to wait for the hold to be lifted. It is now a week later and I still have a negative balance in my other checking account and can't get the risk hold lifted for the $3500 deposit. This is not a good way to conduct business. Everyone keep apologizing but apologies don't fix the problem. I will close both of my accounts with Washington Mutual and tell everyone that I can not to do business with them.
Travis of Oakland Ca CA (01/12/08)
i had a balance of $987.50 and wamu bounced 3 checks,one for $100, one for $12.17, and one for $100. This incurred $90 of insufficient funds fees and when I called them on it they said there was nothing to do and it was my fault.
i couldn't pay my pge and they punished me with late fees.
Edward of Atlanta GA (01/08/08)
I made a $12,000 deposit to my daughter's WAMU account, as I needed to make a tuition payment early in 2008. We deposited and saw it posted on Dec 24, 2007, but the funds had not cleared in 10 business days (Jan 8, 2008). When I called to talk to customer relations (1-800-788-7000), I ran into several very disturbing problems.
1. There was no opton in the electronic voice center to talk to a representative (I stumbled into a connection by simply not pushing any buttons). I suppose this is a strategy to reduce nuisance calls, but it is very bad customer service policy. 2. When I spoke with a representative, he was polite but could not give me any rationale for the delay in clearing the check, which I explained should have never taken longer than 10 business days (that would be January 8) but he kept repeating a line the first $100 is available immediately, but the bank branch determines how long a check will be held until funds clear?. Also, he told me we we needed to discuss when funds would be needed at the time of deposit? and that customer service could do nothing to help?. Of course, we had no way of knowing that this would be delayed so excessively. 3. I asked to be transferred to a supervisor and spoke with a polite woman who sustained the statement that customer service could do nothing to help and described how the branch where the deposit was made was the only place that could help, but that would have had to have been at the time of deposit.
I never imagined a less helpful discussion, so asked for her supervisor, who was not available. I have been promised a call-back within 2 days. I tried to explain that the problem needed to be resolved sooner than that or the university that we needed to pay tuition to would levy a hefty late fee. So how do I view what happened? This was a needless alienating experience for a customer who has done business with wamu for decades. When I called my old wamu bank branch in California (Portola Valley, three hours behind GA so still business hours) I got the explanation I needed, immediately and without any insulting repetition or blather. The manager there said I would do this over the phone if the deposit was made at this branch, so just go to your the branch where you made the deposit and they will take care of it tomorrow morning. We made the deposit in Toco Hills branch in Atlanta, and will hope to resolve this in the morning. In any eventuality, I will never call what wamu incorrectly labels Customer Service again! I am totally baffled why their customer service phone center could be so poor.
Inability to pay a tuition fee due to greater than 10 business day delay in clearing a deposit, causing late fees to be assessed by the college.
Patricia of San Bernardino CA (01/02/08)
My savings account at Washington Mutual was closed without any prior notification on 12-11-07. They said it was done at a branch I have never been to. I never signed any paper to authorize such cancellation of my account. They say a check was mailed on the 12th of December and I still haven't received it. I went back to the branch several times and I spoke to many representatives in person and by phone, but they still don't know why my account was closed and all they say is that they can't do anything to get my money back until I get the check. It's been more than 20 days and I still haven't got the check.
The problem is that I am not working and since they took my savings away form me I am in debt for things that I had to pay and I hadn't anticipated to be out of money. In consequence, I had to borrow money to pay for my necessities. That was my spare money for moments like this. They closed my account without my authorization or knowledge and put that money out of my reach because of their ineptitude. I wasn't even able to buy gifts for Christmas or have a decent dinner because they closed my account, no New Year's celebration and they sent me a check that I still haven't received. Thanks to Washington Mutual's mistake I am struggling and had the worst holidays of my life and I am buried |
