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Washington Mutual Mortgage

Washington Mutual • WaMu Bank • WaMu Mortgage • Refinancings • Home Equity Loans • Construction Loans --- News • WaMu Seized, JPMorgan Chase Buys the Remains • WaMu Buys Providian • Class Action Filed

Robert of San Jose, CA July 1, 2009

I would first like to state Im a first time home buyer. It all started 2006 When I recived a notice of Trustee's Sale dont really remember the out come of that noice I do know Im still ilving in the home. Well I recived a Notice of a trustee's sale in march of 2009 I did recive letters from WAMU bank telling me that they would work with me with modification. to my surprise every letter I recived had a number that was to only leave a message or gave options that didnt concern my needs.

Kim of Bellingham, WA June 11, 2009

I acquired an adjustable rate home loan from WAMU in 2003. A couple of years later I re-fied and took out a home equity line of credit. In late 2005 I became ill. I was never late on any payments. I began receiving letters from WAMU telling me that I needed flood insurance, which at the time of purchase was not required. I had coverage through Farmers Insurance. WAMU insisted that I didn't have coverage and began charging my equity line for coverage that they provided. They also froze my line of credit for literally years while we hashed out the flood insurance issue. I continued making payments on my home and my line of credit. All the while I was being charged interest on the sum that was charged to my credit line for flood insurance.

Many hours were wasted on this issue. I spoke with so many people in so many departments being transferred time and time again with the explanation that their left hand did not integrate with their right hand and the information had to be faxed, mailed and/or sent electronically to department A so Department B could audit the information and find out why my line of credit was frozen even after proper documentation of my flood insurance was sent by my insurance company. They were so RUDE! Like it was my fault that their records were screwed up. The never apologized or offered any show of accountibility.

After WAMU finally cleared up the flood insurance issue on their end my line of credit remained frozen. I spent several more hours being transfered from dept. to dept. No one could figure out why my credit was frozen. All my payments had been made and my credit was in good standing. After about 18 months I got a letter explaining that since I had lost my job I had violated the terms of our agreement and my line of credit would not be re-instated.

To this day I make payments but do not have access to my home equity line of credit. I have begun to be harrassed by CHASE for flood insurance. I have coverage and do not understand how the bank can freeze my credit but then charge me for insurance infractions on that line of credit. WAMU has been a huge nightmare.

Do I have an opportunity here to be added to a class action suit? I hope so. I should be compensated for all the time I've wasted and extra charges I've incured. I have documentation of phone conversations I had with WAMU. I'd also like to look into saving my house do to medical hardships. I appreciate your consideration. Sincerely, Kim A. Storm

CARMEN of Punta Gorda, FL June 20, 2009

I contacted WAMU/JP Morgan Chase approximately a year and six months ago. I informed the lender of the property located in Sunrise Fl. (second) home being on the market but not moving. I needed some type of modification we could not afford three loans. I was told by the lender their was nothing that could be done because we were not at default. Shortly after this my husband was admitted into the hospital (third optic nerve palsy) vision impaired. He was 64 years old when it happened and had no medical insurance. He also lost his job.

Finally WAMU issued a temp. work out which Debbie S of WAMU left me a message on my home phone indicating WAMU would work on a permanent solution. I cannot count the amount of calls I've made to the lender to find out my modified payments. The lender has since then only requested over-and - over a revised package. I finally contacted an approved Hud housing counseling to help me complete these loan modification packages. The housing counselor indicated there was a new presidential program and I would qualify. Although the housing counseling sent this package to the lender the lender still proceeded to send my loan to foreclosure. When I was served I proceeded to send proof to the court.

Dan of Dublin, CA June 12, 2009

I lost my job in July of last year, and applied for a loan modification with Washington Mutual in March 2009. I filled out all the information and sent them everything they needed. Eventually, I received phone calls from their loan mod center saying that my information was incomplete, and I needed to submit proof of insurance payment, copy of my taxes and proof of paying my property tax, or else my case would not be reviewed. When I received the call I would pick up the phone and say hello but no one was there. Eventually I called the number back and found out they were trying to contact me for the additional info they needed. They told me they sent out a leter also, notifying me of this, but I never received it. I ended up faxing in the information twice. After receiving a second call telling me that they did not receive anything, I wrote my loan number on the top of every page that I sent in, and to no avail. Luckily, I kept the confirmation from the faxes I sent them. I finally received a letter in the mail from Washington Mutual telling me my info was still incomplete and they would not review my case. Not a nice letter to receive because at the top it says they are a debt collector collecting a debt, and that you will now be reported to a credit bureau as being delinquent (not fun considering I have tried as hard as possible not to miss a payment). When I called Washington Mutual, they said they still had not received the information I had faxed them twice, and that now I would have to start all over again with a brand new application. Most likely I will try one of their loan modification centers. Hopefully they won't lose the paper work on the fax machine.

Denise of Sarasota, FL June 12, 2009

I am a Real Estate Title Examiner when the market crashed so did my business, I knew I wouldn't be able to keep up with my mortgage at that point so I put the house up for sale, no surprise it did not sell. Before I even got behind on my mortgage I called and was told they could not do anything for me until I was in default, which I obviously did not want to be. I became employed again my family was going to lend me money at this point I was just 2 months behind. I recieved a letter I responded and was told I had options, when I called back after I arranged to get some money I was now 3 months (Nov 1) behind now I was told it was too late and they couldn't help me.

I have lived in this house for 8 years for the last 5 I have owned it, I did not want to lose it. I was served in December with a Lis Pendens, I took in a roommate got a second job filled out all of there paperwork, never able to reach anyone to talk to. I went to a local branch and the manager he could not get anyone to help me. I fell for a scam for a loan modification for a 1000.00 still no help. I filed for bankrupcty to stop them from selling this house. It was approved and I started paying then they wnated more money I could not pay.

On the advice of my lawyer I had the bankrupcty dismissed and tried yet again to work with the bank. I was quite pleased to reach someone right away because now the whole country was in a mess they seemed they wanted to help and they had also recieved bailout money I was told nothing would happen until the assigned counselor spoke with me,what a relief. I sent them everything they asked for numerous times no response and many calls saying someone would contact me. I waited and called nothing after 4 months and no contact.

I recieve notice of the sale of my house for May 28th, I contacted the banks attorneys who were of no real help offered a number for me to call. I finally spoke to some arrogant man who said my information was purged but told thier attorney I never sent them anything. With no options left the house wnet for auction and the bank, the only bidder paid 100.00 for it.

So now I have no home. I don't know where I am going and I am [upset], they not only recieved bailout funds but now they also have my house that I have paid on for almost 9years. I didn't want a principal reduction just a simple modification of the maturity date to add what I had missed to the end of the mortgage, that is all. I have no where to go, the stress of all of this has made me sick even to the point of having a breakdown. It is not right they should not be allowed to have their cake and eat it to.

Tom of West Lafayette, IN June 12, 2009

Sent in application for a loan modification on the house I own in Bloomington, IN. I have been trying to sell for a year even after to reducing the price to where I would come even on the sale. I am currently renting house in West Lafayette, IN, on temporary duty for at least four years. Wamu acknowledged receipt of application and sent letter requesting 2 most recent bank statements, 2 most recent pay stubs and copy of most recent tax return. Since no fax available, I mailed them.

Received a from Wamu and May 29 informing me that they have recieved the information and within two weeks, I should get a call finalizing the loan modification. Have not heard back so I called on Jun 11 to check the status of the loan modification before I made my June mortgage payment. I was informed that the loan modification was denied on June 8 due to lack of required documents.

I was eventually transferred to the "Customer Care" dept and speke with Leon. He said the documents were never received and that I should re-fax or semd them to an address in Glendale, CO despite me stating that I received a call two weeks ago saying that all the required information was received. I also mentioned that the material I mailed was extremely confidential and where did it go if not received. Frustrated, I hung up then decided to call back. After a lengthly process to speak with Customer Care again, I talked with Allen this time.

The documents were received but there are no notes as to why the loan modification was denied. Could not get an answer as what information was lacking. So I asked if I could fax the information and he told me I need to submit a new application because the original application and information I sent have been shredded.

I will complete a new application and resubmit with required information this time by fax though I am not confident anything will be done. In the meantime, I get called daily from Wamu requesting my mortgage payment from someone I can hardly understand while I could not get a call on my loan modification which I really need.

Kara of Minneapolis, MN June 9, 2009

My husband and I found out we were having our first child last year! We were over the moon. Due to the economy my husband had a cut in hours at his job for a couple months. When I was ready to go back to work my job wasn't ready for me. All in all I saw a storm coming so I contacted WaMu letting them know we would be late on the next couple months payments because we were short all around. They thanked me for contacting them before anything happened and said I would be a great candidate for a loan modification. They also told me that during the modification process our credit wouldn't be negatively effected by a late payment.

4 months later we were denied for a modification due to lack of documentation which I sent in 3 times and made sure they got. Because the mod was taking so long my husband and I decided to sell our house. We sold it in a month which was great! As we were trying to get a pre qualified for a loan on a house 80k less than what we own on our current house we realized that we had 2 late payments on our credit score from WaMu.

After hours and hours of talking with multiple different people from WaMu they basically said it was my fault and they wouldn't change anything. So we are closing on our house at the end of July and can't buy a new house because of the lies WaMu told us. I am so sad with how this all turned out. We tried to do our due diligence at catch the problem before it even started but WaMu just blew smoke and now are credit is ruined. I want to be apart of a class action suit. I feel like our livelihood was totally effected in the worst way because of WaMu. I feel for all of you!

Maria of Sussex, NJ June 5, 2009

I have made repeated calls since November 2008 to WAMU to inform them that I was having trouble keeping up with my payments. they told me to do a hardship package but I would have to first not pay for 2 months so I could get the package started. So I sent in my hardship package in January well a month goes by and no calls. then I get an adjuster sent from wamu to my door and was told they sent him because they tried to reach me and could not? that's funny since I sent a hardship package with my number and my husband work number?

I called many times in January and was told that a P. Johnson was asigned to me they gave me a # to call. well it said it is a none working # and gave me another # which asks for your loan # or S.S then that # said it could not find my loan and then hangs up on me. Finally I call another # and its there dept collection number they give me Peggy Johnsons voice mail I call and left a message after about 3 days I get a message from her stating she has no idea who I am or what this has to do with? Well again I call and get DCollection and they transfer me to her again but this time no call back. then I was told my moditification is being worked on but no one knows who is working on it and it may take until April to go through

I finally get a call 04/12/09 and was asked to Fax out updated papers I did at the WAMU bank on the 13th of april. this time I made a payment in march and then in April. May comes and I try to make a payment and they can't procces it in the bank. I also got a katie on the phone from wamu and she says fax the papers to her that they may have never got them this was may 26 2009 again. I faxed them from wamu bank.

I get a phone call on Sunday from there dept collection and was told it was being recorded. I spoke with Duwanye of course he wants a payment I told him that I would pay but I wanted a letter from wamu telling me what months I owe and how much in total and where I should send my payments and if I pay all of it will it stop any foreclosure started, I stated that I would pay and send a certified mail with request on signiture. well he said that he could not do that!

I told him that whenever anyone calls me from wamu I also am recording and he told me well I guess this conversation is done and we are no longer talking and he hang up on me. Its funny they can record me but I can't record them ? Well now its June 5th and no one has contacted me. I am sick from all of this physically sick!

Betty of rainier, WA June 10, 2009

I have been trying to get a copy m history payment for about 6 weeks. I have had nothing but a run around every time i call i get someone different and a different story. The one thing i don't get is the history. I have requested this 4 times now. I talked to a supervisor (Sean) and he could not help me. I requested the no to your head office to talk to some one there and he would not give it to me. He claims there was no phone # to give me.

I ammazed me how no one has phone # in this company. I done business with WAMU Morgage for oalmos 10 years and never had problems till jp morgan chase took over. I will defentely never use them again. my daughter will use a different co to finance this house into her name now that this has all happened.I have to have all this for my attorney and i have explained this to then every time.They are the most disorginised group and then they lie about it. would not tell anyone to use this service from WAMU. I may lose my home over this becouse i cannot get the paper work i need for the courts.

Carl of Bolton, CT June 8, 2009

We began our refinancing of our current mortgage in February 2009. Initially we were told there was a 90 day lock on our new rate. We began providing the initial wage, employment and bank statements in March. Since that time we have supplied some of the information again. We were told the application was with underwriting. We made numerous phone calls to automated lines which were never answered.

We sent e-mails to specific loan processors and some were ignored or we got automated "I am out of the office". If we did get a response it was we need more information from you or the loan is with underwriting. On Thursday June 4 I got through on a direct line and left a message on an answering machine. I did get a call back stating that my application had a new loan processor and I would hear from her on Thursday or Friday. I did get an e-mail from here and she said the application was being sent back to underwriting and that it would take 2-3 more weeks and than will have to go to another department for condominium review. So in the mean time we are still waiting. I could understand if I am a new customer but they hold our current mortgage which we have reduced by making extra payments on the principal and our FICO scores are over 800.

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