Washington Mutual Mortgage

Washington Mutual foreclosed on my duplex which I owned for 11 years. I filed a loan modification, and I wanted my everything in my loan restructured with First Equity Home Loans. Washington Mutual rubber-stamped the foreclosure, and First Equity reneged at the last minute.

I went to the US District Attorney to file a federal complaint against unfair business practices, wrongful foreclosure practices, and predatory lending practices in New Jersey.

I am trying to buy my husband out of his (half) ownership of our house but I can't because we don't have a title. We paid off our home and didn't receive a title from fleet mortgage. What should I do?

In July 2007, I was solicited by Alan Benjamin Mortgage Services (Jonathan ** and Peter **). They were offering to refinance my existing mortgage. I was told to fill and submit an application, but leave everything blank. Jonathan ** was not licensed in the state of Maryland. In 2007, each and every loan officer had to be licensed in the state in which they were processing loans. At settlement, I had three different settlement sheets and the terms of the loan were different. I call Mr. ** and he assured me everything would be straighted out within the three day recession period. However, the day after settlement, I could not get a hold of anyone and the settlement company told me there was nothing they could do for me.

I ended up with a prepayment penalty, settlement cost was more than $5,000.00 (home's worth less than owed). I did not get copies at settlement, loan I can never repay, loan application contains false signature and information when analyzed at settlement. Negative Amortization mortgage, used stated income when W-2 were provided. I did not received closing documents until settlement. I did not receive an estimate. Now, I am begging for a modification but have been denied twice. WAMU paid Alan Benjamin Mortgage Services $22,000 for this loan. Title company has countrywide stated on title insurance schedule B. Now, I do not have any recourse because Alan Benjamin Mortgage Service conveniently went out of business. The only thing Chase wants now is my house. Deutsche Bank supposedly has my note, but has yet to prove it or produce it. What can I do?

To cut a long story short, I did a loan modification and was signed. They're saying we met all requirements and were permanent. Now I get a letter saying they are going to foreclose on my home because of none payment for 8 months. I was totally shocked. I have all the months I have paid with checks and have the carbon copies. Last month I sent a money order and they proceeded to send me the money order back, saying insufficient funds and they are no longer accepting payments. What is going on? Now I am two months behind.

I have had to file an application with some housing alliance and have to get copies of numerous times and have to write a letter of circumstances of why I was behind with my payments. What do I write? I was not behind. They cashed every check. Please, someone have answers. This is crazy. Something should be done, but I can't get no answers. I have called WAMU several times and get different answers. One even told me that he sees I made a payment each month. Then when I called again there was no such account number in our name. One letter I had just received told me to call and when I called the two numbers on the letter, they had been disconnected. I want to know where my money went each month.

August 2009, we went thru a lot of hoops. We were trying to get the interest rate down. We were current at the time. This was our second mortgage with WaMu. We talked with someone at WaMu. We were sent information via FedEx and they wanted tax information,W-2s, and reason why we wanted to adjust. I was unemployed for about 10 months previously and money was tight. We sent all information via FedEx, mail and fax. We did not receive any calls or information further. November 2009, we were informed that WaMu sold to JP Morgan/Chase. We believed we would receive new information and payment location and checked on status of all of the information we sent.

We tried several times to talk to someone and got the run-around. It was easier for me to call than my husband, but they would not give me any information because I was not the actual person that was listed on the bill. Both of our names are on the second mortgage as the same for the first mortgage. But they needed his authorization before they would even talk to me. We then were told in March of 2010 to try to readjust our second mortgage again. We received the same information as in 2009, but had to send to JP Morgan/Chase. We did so and called two weeks later and said they had the information and were working on it. We still received no information as to where to send any payments or statements. We called repeatedly for the next several months and got nowhere with them.

We then received a letter stating that JP Morgan/Chase may be able to assist with help and making payments. We received the same information as before FedEx. We were told to resend all our information again. I spoke with someone there and explained that we have done this three times and she apologized, but stated if we needed assistance in paying second mortgage, we needed to do this again. So we sent information. This was now August 2010. We sent and received a letter on September 2010 stating we were declined because this particular second mortgage is not a first mortgage so they cannot adjust or try to refinance. Now, we called them regarding this letter.

We were told we have 30 days from the letter in September 2010 to make some type of payment schedule with JP/Morgan Chase. We called the number on the letter. They now state that the account is not closed so they cannot do anything right now. We can speak with Assets and ask them to make some kind of payment arrangement so that we do not lose our home, but until the account is so called closed, they cannot do anything.

This is ridiculous! There has got to be someone to assist us. My husband thinks we should send a letter to Obama regarding JP/Morgan Chase. I told him it would not do any good. Is there anything that can be done and anyone that can assist us? We are current on our first mortgage.

After a fire in our home in August of 2007, we tried to work with the insurance company to get things back to the way they were (That's another story within itself). Several months later while the home was still being worked on, my wife and I received a check from the insurance company. We thought that the check was for all our destroyed property and personal belongings and had never dealt with a check that large before. We took it to the bank, WAMU, where we were customers and asked what to do.

They said that they'd process the check, put a hold on the immediate release of funds and keep it in our account. We wrote a check to the restoration company, to be deposited later, and to a store to replace the appliances since there was to be an inspection that Friday. All seemed well.

From what I have read in our state laws, the bank should have seen to it that the check 1) was valid 2) was current 3) had the proper endorsements 4) then Cleared etc. Evidently, the check needed three signatures and the bank overlooked this.

The next thing we knew, our bank accounts were frozen, right after we sold some land and deposited the money.

I had a home equity loan with Washington Mutual and then they increased the amount $25,000.00 and I was told they did an appraisal. Yet, none came out and as soon as I touched that money I owed more than my house was worth. I can't keep up with payments and added stress. I have been trying to keep up over the last few years but I am stuck.

I have two loans that originated with WaMu mortgage. They are numbers ** and **. I am trying to establish a living trust and complete my tax return. My accountant needs information regarding balances, interest paid and rates for these loans for tax year 2009. I received a notice that my loans were assumed by Citicorp Mortgage. I first tried to call the given numbers (on the website) and found them to be disconnected. Then, a third number with WaMu kept me on hold for one hour and ten minutes. Finally, I spoke to someone who told me that my loans were now with Citi mortgage.

When I called the number at Citi corporation, I spoke to Naomi and Valerie (no last names given) who put me on hold for another ten minutes before they told me that they cannot find my loans. They then suggested that I call Smith Barney for some strange reason because I have never had a mortgage loan with Smith Barney.

At this point, after hours of being ** around, none of these companies claim to have or can find my loans, but they are still drafting my checking account for the monthly payments. Their inability to give me the information I need (much less even finding the loans) is going to cause me to be delinquent on the filing of my taxes. Please help them find my loans. I have paid on time for years; I was never delinquent. They should be able to find my loans and give me the information I demand.

Thank you for your expeditious assistance. The consequences are whatever the IRS wants to apply to me for being delinquent when I cannot get information I need to complete my tax return. I know, compared to people losing their homes, this is trivial. Do you think the IRS will think it is trivial when I cannot file?

In July 2007, I purchased a home with a mortgage loan through Washington Mutual for $72,000. I did not know that some I trusted was swindling me on the deal by inflating the appraisal. When I tried to sell the home, my real estate agent informed me that no property in the area sold for more than 50,000 dollars and that I was a victim of fraud. I had a forensic audit done on the loan, and numerous state and federal violations were discovered. I tried to negotiate a short sale since then with no cooperation from Chase.

One week, they have the packet that I faxed them, and then they won't have it anymore. I feel that I was being lied to and abused. One of the first things that WaMu said to me was that they were not responsible for verifying the value of the property. I made 33 mortgage payments that added up to over twenty thousand dollars toward an upside down loan, and I had countless nights and days of stress and anxiety. I felt totally destroyed, when I was made aware of the fraudulent activity.

Please contact me. I am a person of integrity, but I could not continue to throw money down the drain. I have a professional legal audit and need legal representation asap. Thanks.

I applied for loan modification of my WaMu Mortgage in December of 2008. I have never had a late payment. I was told I was approved and even told what my new payment and interest rate would be and that I would receive something in the mail to sign and return with a check of certified funds. I never received anything and I called every week to inquire about it and they kept telling me that it was in process and not to make my monthly payment or it would mess up my modification. They told me I was in "Man-Code W" and until my modification was complete they couldn't accept my monthly payment anyway. This went on until April of 2009.

Then On April 20, 2009, I made my weekly call and then I was told that the modification was messed up and I now owed all my previous months payments. I never received any notification of that the previous modification was denied! Somehow, I got in touch with my modification negotiator Richard ** and he was shocked that I never received anything and he told me that someone at Wamu/Chase "dropped the ball". He assured me that he would get something done post haste and also that it still would not be reported negatively on my credit.

I was then sent the Making Homes Affordable Modification Packet and was told that at this point this was my only option. Richard ** could no longer be reached and his mailbox was full. His number and extension were changed and I could not get in touch with him. I had no other choice but to fill out the Making Homes Affordable Modification packet. I made all my trial period payments on time each month and come November of 2009, I received a notice of Intent to Accelerate. I never received any notification about my modification.

After calling multiple times I finally found out that my modification had been denied and that I now owed all my back monthly payments. I paid in full and was told that it would not affect my credit or be reported negatively. It was, and it was reported as late in payment history in Feb 09, March 09, Oct 09 and Nov 09. Now my credit is negative and I can't refinance or get a new home loan if I wanted to. I've read about multiple places that this same thing has happened to many other customers.

In 2000 I refinanced my home thru the mail as I was sent a preapproved fixed rate refi thru Pacific Coast Lending a/k/a Homefeld Financial. I went thru the entir process without a mention of WAMU. After "the by mail closing" I was told WAMU bought the loan, a year later they told me they raised my payment because I needed to supplement my flood ins. the following year they raised it again and at this time my husband went to the county recorders office and lo and behold there was his signature forged a forged notary. It took the Gov office to find the notary who swore in a depo that she never met me or my husband and her notary was forged.

We filed suit in 2002! Not only have we never had a trial which we are entitled the second Judge David M decided on his own we were wrong granted an equitable lien to WAMU and forced sale our home of 32 years! Miller & Ramos have conspired since this is too hot to handle. I wrote to everyone in DC, office of the Comptroller, The Thrift After 9/25/08 when WAMU ceased to exist Ramos went to a forced sale (not foreclosure) and bought our home bnotwithstanding the FDIV said it now belongs to Chase. It is obvious the cover up is akin to unscrambling an egg but we have obtained confidential documents from a wise ass from WAMU where they say there will be no loan if it is disclosed to the customer BEFORE closing.

The afterthought that my husband needed to sign a mortgage led them to the cover up and the forgeries. I have found the State court to be as criminal as WAMU. Documents were HAnd DELIVERED to the Judge and WAMU never asked for a foreclosure and Judge Gill F told them if their mortgage is a forgery they will settle for an equitable lien or worse $0...they were paid $250k in atty fees on a $300 refi. they have now sold our home illegally nd we have homestaed exemption in Florida to boot.This is far from over even though we have been in court for 8 years. The firm of Shapiro Ramos have perjured themselves and perpetrated fraud on the circuit court a dozen times and dod so three times in the third DCA hpwever the courts know that everyone in this position will come out with the truth if this is overturned.I was solicited by a Broker representing themselves as the lender, I did not look for a mortgage. I will stop at nothing to get this to trial and regaon control of my jome and my life!

The primary issue is this: In 2006, Washington Mutual Home Loans was the carrier on my home mortgage, but then they sold my mortgage to Wells Fargo (Yuck, but that's another issue) in November of 2006. My new mortgage carrier (Wells Fargo) sent me my 1099 but it only covered the last two months of that year. Wells Fargo told me that I had to go back to Washington Mutual for their 1099 to cover the period in the first 10 months of 2006 (the period in which Washington Mutual held the mortgage note and carried the loan. Unfortunately, I am now at almost 4 years and still waiting for my 1099 from them. It is now the year 2010. I've waited too long and I know this is somehow not legal. At this point, I have no means of contacting Washington Mutual. Every address and phone number no longer work and those that do direct me to Chase Bank. In contacting Chase Bank, they have no record of my old loan since it was bought by Wells Fargo prior to Chase taking over Washington Mutual Home Loans.

Our problems all started when my mother passed away on June 29, 2007. And one week later, my mother-in-law passed away and neither one of them had death insurance to help pay the funeral cost, so my wife and I had to pay for it. About three weeks later, my wife was diagnosed with non Hodgkins lymphoma cancer and was off work for about three months. When all of these events started to take their toll on us and our finances were gone, we started to miss our mortgage payments.

We contacted Washington Mutual and they said they would send us a loan modification package. When it never came, I decided to contact HUD. At the HUD office, the HUD rep contacted Washington Mutual and started an agreement with Wamu to do a loan mod. After I left the HUD office and got home, Wamu called me and told me that I did not need to go back to HUD. They said they would help me without HUD with a loan mod and that we were not to worry about a thing. Wamu would take care of us. Well, they sent a loan package and I filled it out and sent all the info that was asked for in the package.

After three weeks, I called to check on the progress and they said that they never received the loan mod package. So I requested a new one to be sent asap. When I got the new one, I did the same thing and sent it back to Wamu. After three weeks, I called and was told that it was lost and no one had any idea where it was. So again I sent another in; after three weeks, I called and was told that it was missing important info and could not be processed due to the lack of info. So I sent a fourth one and that one was denied for bad credit.

This company should be given an award for being the best liars of all time. With all the time wasted, the sheriff's sale took place on May 7, 2009. and the house was sold to Bank of America and now after the six month redemption period has now come to an end, we have been evicted by Bank of America and have 30 days to move and try to find a new home. The eviction started on March11, 2010. We have to be out on April15, 2010.

I have spoken to numerous people in customer service. My concern was I was not receiving monthly invoices even though I live in the house and pay 100% of all costs, loan, taxes, escrow. My husband and I bought this house and he is the primary but I am also on the loan.The people I spoke to were rude, making statements such as, "We don't care if God makes the payments, with or without an invoice. We don't have to send to anything," etc, etc. When I asked to speak to a supervisor, they refused stating not there or she was the supervisor. This has been going on for the past year. I have dates and names of individuals I have spoken to.

I have been in my home for 25 years. Since February 2009 we have been lied to and mislead by WAMU regarding our loan. In February 2009 we received a letter from WAMU saying we had been approved for a repayment plan that would take our past due payments and apply it to the end of our loan bringing us up to date and prevent us from the threat of foreclosure. We said great! When do we make our next payment? We were told March. When we called in March to make our payment they would not take our payment. We were told we were in litigation and scheduled to go into foreclosure; if we did not pay $2,000 plus legal fees by the end of March, we would go to foreclosure.

We then started negotiating with WAMU for loan repayment plan and a loan modification request.

We filled out all the papers and started the loan modification process. We didn't hear from WAMU, and every time we called they told us they were missing info and they would give us another fax number to send it to. After faxing the requested document I would call to make sure they received it and was always told they did and now had everything (I kept all fax receipts and FedEx receipts). Only to be called a week or two later and told we were missing info and threatened to be put us back in foreclosure. We went through this several times with them. Each time they told us we were missing different info and we needed to send it to a different place. We thought they were working with us.

On April 17th we were served with foreclosure papers. When we called WAMU no one knew anything and no one ever called us back. On April 24th we went to WAMU's attorney listed in the foreclose papers. We met with Angela V. of Shapiro and Fishman. She took our letter of response and all the other information we had. She told us we had submitted our response in the 20-day required time and she had notified the manager at WAMU who handles repayment plans and they would be in contact with me. She told me not to worry, the foreclosure would be put on hold till we worked out a payment plan. In May I called her back because we still had not heard anything. She told me everything was alright, they were just backlogged. We should her something soon.

On 6/1/09 we received a letter saying we were approved for a trial payment plan. We were told WAMU would work out a permanent repayment plan if we made the next three adjusted payments. We paid the last month early and called to check on our permanent dollar amount. The person told us to continue to make the same payments, most likely that would be our adjusted amount and we should receive something in writing soon. We asked about our loan modification request and were told it was still being reviewed. We asked to speak to the negotiator and she said she would email him to call us because they could not give his number out.

In October we called again because we still had not received anything in writing and we did not know the status of our loan. They told us we were paid up to date and we should get something soon. We again requested a call from the negotiator and were told the same thing. We called again in November because we still hadn't received anything and was told the same thing by WAMU. We called on 12/2/09 and were told the loan modification was denied. We should be receiving a document in the mail to explain everything and tell us what our monthly repayment amount would be.

We called in January because we still hadn't received any information and we were told it was in the mail. We called 2/5 and we were told we were in foreclosure with 12 months past due on payments. Unless we pay $12,000 plus, our house will be sold. When I asked how could we be 12 months past due when we have been paying our adjusted payments since June, the WAMU rep said everything was denied. WAMU did not have to put anything in writing because we were told over the phone on 12/2. I told him we were told on 12/2 the modification was denied put we were in a repayment plan. The rep said we had to pay or the house would be sold.

Basically, they have been pretending to negotiate with us, leading us on with lies for the last year while they moved forward with foreclosure. If I had known they were not being honest about working with us, I would have gotten an attorney last February to help us negotiate the loan modification or the repayment. I felt they knowingly mislead us to drag this out for a year, adding more attorney fees and other fees. Since we did not know they were moving forward with the foreclosure, they plan to sell the house out from under us. I have four kids and have been in this house for 25 years, 5 years left on the mortgage with no past payment problems until the economy tanked and killed my business. I need help. WAMU needs to be stopped! WAMU is selling my house! The stress from this mess has made me seriously ill. I spent weeks in hospital and weeks out of work. If this can't be stopped, I will have to tell my kids we have no place to live and no place to go. What happens now?

We finally sold our home in July 2007, for under market value, as the credit damage did not allow us to simply re-finance to escape them. We had a case in district court of Colorado to try and force them to fix our credit and receive some relief from the monetary damages we suffered in the matter. Then the FDIC stepped in. At that point we were informed that we needed to file a claim with the FDIC, only to have it rejected and that we needed a judgement from a Federal level to present to them for payment.

We are not sure what we should do at this point, as we have spent approximately $60K and not even had a single day in court. I would like to get an honest opinion of where we stand and if this is a fruitful endeavor or if we should just "cut bait" at this time. The actions of Washington Mutual are criminal, but with them in receivership, I am afraid that they will go unpunished and we will just throw away more money to get in line for a "possible" payment of our claim.

If you would be willing to discuss this matter further, I would greatly appreciate your assistance and input. Thank you for your consideration. damage to credit, unable to get credit, loss of equity, loss of credit opportunity, divorce, emotional damage, pain & great suffering

I am trying to get this house resend, this inadequate Bank has lied to us back on the end of July 2009 I was told that I was going to be able to update financial information once the trial modification had expired since the 1st payment was due on 08/01/2009. It is not that a payment was not going to be made it was just that income decreased and we needed to get that vital information updated. I asked over and over again and they kept telling me wait until the the trial modification it's canceled so they can take the correct financial information once again.

On 10/15/2009 I was talking to a representative that had no customer service skills therefore I asked to speak to a Supervisor which I did her name was Sam excellent customer service she told me that once the trial modification was canceled to call every week so than I could update financial information. We called every week until today no one wanted to take the information. Please help me keep a family in their home. I see this everyday I am filing complaints with every single government office because this is unfair a servicer that simply cannot do the job for the investor and families paying for it.

I started the loan modification process on May 28, 2009. This is the day I sent in all the required documents. I waited to hear something from my mortgage company (Washington Mutual now Chase). On June 5th I called to see if they had received all the documents. I was told all documents had been received and I would be getting a letter from them. I have yet to receive any communication from them. On June 19th I called again, they didn't have any new information for me or ask for additional documents.

On July 27th I called again, I was told that I needed more documents--these were documents that I had sent in on May 28, 2009 and had verified that they had been received. I pulled the documents from my first fax and re-axed the requested documents. I called the next day to verify they had received the documents and was told everything had been received and it had been sent to underwriting and it would be 30 to 45 days before a decision was made. I was also told I should keep checking back every two weeks just to check the status.

August 10th I called and was told by Jason that they were missing the hardship affidavit, which I had sent on May 28th and July 27th. I faxed the document for a third time.

August 20th I talked to Kevin, he said that they were missing documents. They needed updated utility bill, my divorce decree showing I was award the house in my divorce. They also wanted a letter from my daughter stating that they were moving out which would leave me responsible for the full house payment of $1,630.00. I sent the documents and called the next day to verify they had received them. They verified that they had received them and that my file would go back to underwriting which would restart the process all over another 30 to 45 days. Not taking into consideration that since I started this process it had already been 45 days.

On August 26th I talked to Chris to check on the status he didn't have any additional information only that it was in underwriting. On September 10th I was informed that the file just went to underwriting on August 27th the day after I talked to Chris who told me that it was in underwriting. September 18th talked to Chris and was informed that they had documents they needed again. They wanted my 2007 tax returns. I faxed them over, called to verify that they received them. This would restart the 30 to 45 day waiting period again.

October 5th I talked to Dwayne, he told me file was in underwriting. October 13th was told by Hilda file was in underwriting. October 20th Talked to Stephen was told that the file was with the underwriting manager who would make the final decision. October 26th was told by Jeff that the underwriting manager got the file on October 16th and it would take 2 to 3 weeks for the manager to make a decision check back in 2 or 3 days.

November 3rd Talked to Dave, underwriting manager had the file, Dave was going to email manager to check status. November 5th talked to Michelle--no new information. November 10th talked to Liana--she verified that it was sent to underwriting manager on October 16th but she didn't have any new information. November 16th talked to Anita she also verified that the underwriting manager had the file and it should take about a week for a decision. The underwriting manager has had the file for a month by this time. If I didn't hear anything by Thursday to call back Friday.

November 20th talked to Danielle--nothing new, but she didn't have any information that the file had been sent to the underwriting manager. Keep checking back. November 25th talked to Jason, he didn't have any new information. I asked him about the file going to the underwriting manager and he said he didn't have any information on that, but if they needed any more documentation they would let me know.

November 25th I faxed a letter to Underwriting Manager outlining my calls and the information I have been given and the fact that I felt I was being lied to about the status of my file so I wouldn't ask questions. I also faxed them an article from the paper regarding the fact that the railroad tracks that sit along side my property now have empty rail cars sitting on them. The article was about how that has diminished the value of the properties in Lakeville. The cars are unsightly and have graffiti on them. They are a constant temptation for children to play on them.

November 30th I sat on hold for 45 minutes before someone answered. I talked to Shania she told me that my file was still in underwriting. December 2nd I spoke with Anthony Lee he said that there wasnt any new news on my application for modification. At this point in time, I am so frustrated by this process, it has been almost 7 months since I started this process, I am 3 months behind in my mortgage payments because I can no longer afford them on my own.

I just want this process over with, I feel like I'm living in limbo. Up until 3 months ago I made my payments and I made them on time, but WaMu wasn't reporting them to the credit bureaus because my ex-husband and I had filed bankruptcy just before he walked out leaving me with all the bills. I haven't been able to make my mortgage payments since September, I'm afraid that I will lose the house I have owned since 1995.

I don't know what to do any more the stress has affected my anxiety, panic, bipolar, depression disorders. I've been in counseling since 2005 after a nervous breakdown. I think that WaMu has been lying to me from the beginning. I don't know what to do any more. I want to keep the house, but it isn't worth what I owe. WaMu wouldn't have to make a big adjustment, but they can't even give me a straight answer.

I was promised that if I sent documents and piad $1188.00 on Oct 26 2009 by WA MU that I would get a payemnt of $625.oo amonth for 2nd and 3rd equity line. That they would combine 2nd and 3rd and it would be a interest only loan. I did exactly as Wa MU requested. I took all my documents to Wa Mu Branch and they faxed it. . I called back WaMu and gave the the tranmisson # and fax # and the money the requred and Wa Mu said it was to late by one day. It took one day . I got off the phone at 4:30 pm and went to WA MU Branch @ 4:45pm I went to work and First thing in the AM I called with the information and they said it was to late. I continue to everything they require and jump through the hops. The Chase Bank took Over Wa MU now Chase says because of President Oboma that I can not get the modification. That Chase doews not help homeowners with modifications. That the presidents rules are not friendly to the homeowner.

I am currently sinking in debt. My elderly mother also resides in the home with me. She has a history of diabetes mellitus, asthma, hypertension and diminished mobility. I am writing this letter to request any assistance in lowering my current payment or acceptance in a plan that would facilitate a lower payment at this time. I really want to remain in my house with help and [their] assistance I feel I could prevail and sustain. [I asked them to] find it in [their] heart to over look [their] first decision and help me and my family have some hope.

I purchase home 2006 and I refinanced the first loan from Washington Mutual (now Chase bank) in 2007. In the downturn 2009 I got laid off, and I couldn't catch up with the full payment for the loan from that time on. As My wife was working, we decided to apply for the loan modification. In the middle of June, I filed "loan modification" for the first loan in WaMu(Chase bank).

Around august, they asked additional document as their process has changed internally, so I mailed them. However until the time I contact the homeownership center, the the status was still 'pending' for the reason that "documents was not fully received". I faxed to them the same document several times. After several contacts, I heard that the case was assigned to one of responsible officer. It seemed to be on track. I called to the bank from time to time. They just said the case is being processed, so I need to wait for the results.

Today, November 18, 2009, My wife contact Chase back homeownership center, and heard that from end of August there have no update or progress report, so we need to start the loan modification process all over again. Recently I got a new job so I wanted to update status to them.

How could they hold the case without doing anything, and ask us to do start again from the beginning only when we called them? I have already more than 3-month back payment. At least , they should have the result or status for the our next action. My family have been suffering from mortgage and financial problem for more than 6 months. The long and big efforts just ended up with brand new start of the same process without any update or report from the lender and with the high prospect of failure in the following applications. If tell me what was wrong, I could adjust things to apply for higher expectation for success.

In the news, Chase have been adverting they really take care of homeowners in this kind of troubles. I'm very doubtful on their efforts and more believe that they have been playing around politically.

Then began a disturbing pattern of behavior by the bank. We were notified that additional financial information was needed. We prepared and faxed it as requested. Then they would say it was not received. After multiple faxes to different fax numbers, we mailed the entire information with delivery confirmation.

Next we were told we had not submitted an application on some units while one was approved when we had sent the same information with all six loan numbers every time.

We were told we had to submit a new application and if we got it to them before the sale date, the foreclosure would be delayed. We have confirmation that the application was delivered July 29, 2009. I was constantly faxing and calling saying it was on the way and then that it was delivered. I called the day of the earliest sale date again and was told they would stop the sale.

The next day an REO agent contacted the tenants in one unit and I learned two had been foreclosed any way. I managed to stop the other four.

Again the pattern of 'missing information letters or calls' followed by faxes that were not received. Now we finally have three in trial plans with all three trial payments paid and yet this behavior continues. They say they have not made a decision.

We have faxed and mailed everything asked for multiple times. I have fax sent logs, delivery confirmations, and a 12 page log of calls received and made to check status and confirm receipt.

Mid way through this process, I escalated the matter to an "Executive Resolution" department requesting all 6 be considered together. They opened a case and we have gone through 3 different contacts. Now the last contact, Heather McLendon, does not answer email, phone and her voice mail is full.

I believe there is no intention of ever granting a loan modification on the remaining 6 townhouses. There are strange changes in the procedures which indicate it is more advantageous to Chase bank to write off WaMu loans than to grant modifications. One of the foreclosed units sold for a large loss on the banks part. I have hundreds of pages of evidence.

I filed a short sale package with Wamu in June 2009 and they sent it to the FNMA negotiator Jenna G. I had offers of $360k and the first bank was owed $345k and the second I got them to take $7k out of $81. There were also credit card liens on the property that Jenna G said would have to be paid by the Seller or Buyer. She then denied the short sale claiming that they did not like the idea of the Buyers paying the liens. Since when is it their right as FMNA to decide who can pay something? That cannot decide something that doesn't directly affect them.

Now the home has been winterized and there is mold growing up the walls. The home is now worth $300k at best... I am also filing with the Massachusetts Attorney General for unfair practice and the local media,hoping to get some coverage on this whole ordeal... This is why our Country is in debt.. My clients tried to get the property sold, the bank would have only been at at loss of under $40k max and yet they denied it,only to let the property sit and sit and continue to lose value... There should be Class Action suits against these companies. This property went from being worth $377k to $300k and declining

I am HUD/PHFA certified Housing Counselor working on behalf of a client going through the foreclosure process through WaMu/Chase's loan modification scam. Although I have been authorized by my client in writing to act on his behalf and have sent over 20 faxes to numbers WaMu / Chase provided. They claim they have not received them when my fax confirmations show otherwise. This is only the beginning of their concerted effort to negotiate in bad faith and violate federal and state laws.

I have made several inquiries about filing any and all applicable local, state and federal (FTC,RESPA, TARP, Attorney General, Office of the Comptroller among with several others complaints regarding their documented failure to comply with related foreclosure laws. I would appreciate any feedback in getting WaMu/Chase or any other scammers to live up to their stated obligations. I also would like to challenge WaMu/Chase to dispute any documentation I can produce in this matter.

I'm just another working American who has always believed hard work would lead to success. My wife and I worked hard and purchased rental property ten years ago mainly because I'm into home repair and believe everyone should have a descent place to live. We worked hard to keep the cost of rent affordable and the building up to code. The spike in energy cost from 2004- 2008 caused financial hardship to my tenants forcing my wife and I to heat the building for our tenants. This coupled with a 300% increase in sewerage costs forced us to deplete our cash reserves. ( Our municipality was forced to meet a Federal mandate that was unfunded)

In late 2008 I had a vacancy that lasted for a few months and fell behind on the mortgages one month. We were bringing our two mortgages current every other month paying the late fees between Washington Mutual and Bank of America. After four months of this we were contacted by these banks via the phone stating they had received TARP money and they wanted to help us. We then received the applications made them out and sent them in All we requested was a forbearance so we could pay down dept and return to our regular monthly payments. To our surprise both banks agreed in writing to a forbearance.

We received a phone call soon after telling us to stop sending in payments and that a new payment schedule would be sent to us. Washington Mutual went so far as to stop sending us their monthly billing statement. WM told us via the phone that our forbearance was approved and we would resume payments in August. In August we had not received a statement from WM but sent a payment in because that is what we had agreed to, my wife called WM to inquire about the unsent statement and was told we were being considered for a loan modification and that our payments would be reduced and not to worry about sending another payment.

We sent in the payment for September honoring our agreement. We than received a phone call for WM\Chase stating that our loan modification was denied and we were in arrears 3 months and that foreclosure proceedings were about to start. Foreclosed houses like mine are selling for $80,000 our less, We owe and are willing to pay the $140,000 we agreed to if Chase will honor the agreement.

Really the Wall Street thing to do is stop making payments, bank the money, and go buy a foreclosure. But I'm an American and although I believe that these bank deserve it We don't want to pass this burden onto future hardworking Americans unless we have no choice. On the news we see these same banks giving executives large bonuses for this type of management. There is more to this feel free to e-mail us back. They ruined our credit, stressing us out and will probably take our home

In December of 2008, after trying our hardest to keep up with loan payments, we decided to try and do a loan modification with our lender, Wamu. Initially, we were told by the Wamu people in Home Lending this may take a few months but they could help us. We were asked to fax about 17 pages of information, like taxes, current pay stubs, bank statements, etc.

In February of 2009, we received a letter from the Wamu Home Lending that advised us to make 3 payments, (March, April and May) for a lowered specified amount. We made the payment for March and in the middle of March received another letter asking us to fax the same 17 pages again, which we did. Everytime we tried to call the loan specialist who was handling our case, we were told he was no longer at Wamu and someone else would be in contact. No one EVER called us.

By mid-May, we received another letter stating that for June, July and August we would be paying a higher specified amount. We attempted to call our loan specialist and was told by someone in their call center that we should walk away from it since we can't afford our home anyway. Her name was Stacy and she sounded like a 20 year old. Again, no loan specialist ever called us. I sent a complaint with a payment and asked that someone call us. We tried to let someone know that this new, higher amount was not helping us. The call center girls told that even $1.00 less than our payment was considered a loan modification.

I started calling Senators and Congresswomen in our district and we were told they could not help us. I called WGN and other news people but they were already inundated with similar calls. By September, I started calling Vice Presidents and the Ceo of Chase who had taken over Wamu and finally someone contacted us. We were advised that things were indeed going slowly but our loan would be remodified, however, it would take a little while and just have a little patience. It's now the middle of October and we are waiting. It's been almost a year since we started the procedure.

We well qualified for the loan modification and everyone knew it. I personally faxed and mailed 17 documents five times and never received a call back to any of our questions. My husband and I believe that this brow-beating by the banks was some kind of ploy to get us to give up and just leave the house. However, my husband and I did not give up. This is our home and we do not want to leave. We are not kids, but in our 50's and due to job loss, pay reduction and illness, fell into the same boat that many other Americans did. We were never late on payments including credit cards.

This was probably the worst experience besides losing a loved one that someone could bear. The funny thing is, even though the banks received bailout money and we are paying for it; we as the borrowers of the loan modification are not getting a bailout. ALL of the money gets tacked on to the back of our loan...so in the end the banks don't lose a thing.

I along with 800 other PA families are victims of a Ponzi Scheme. I thought I had a mortgage with Personal Finance I checked them out they were in business for 20 years and did not see any red flags until September 14, 2007 when I received a letter saying that PF(Image Masters) was in bankruptcy and that my mortgage may be in default. I was floored. Personal Finance came up with what was called a wrap around mortgage; there were two closings the first for 196,000 and the second for 136,000 the extra 60,000 was to be invested in turn for a 1% rate reduction. Everything was done thru his lending company OPFM. Well it turned out he took mortgages out in his customers name for thousands of dollar more that we thought and with other banks Like WAMU I never received anything from WAMU they sent everyting to OPFM.

Now we are responsible for the extra money and my mortgage alone has gone up 450.00 per month and I have lost over 65,000.00 I was making biweekly payments. I have my statement that the original amount was 196,000 and that $60,000 was paid and my balance was 136,000. Since September 14, 2007 my life has been in turmoil trying to deal with Washington Mutual I had to send them loan modification paperwork FIVE times because it was lost the fax wasn't received I has been a mess.

Most of their customre service cannot speak English therefore the customer cannot understand them no can they understand the customer. I found out the hard way. I finally get a loan modification from WAMU(Chris Blanchford) fill out the paperwork on May 25, 2009 return it in the FEDEX envelope WAMU provided. They need to receive it by May 29. I called customer service and spoke to a Marianna on June 2 to make sure they received the paperwork she said yes. She did not understand me or just lied because on June 15 I receive a foreclosure notice. Now my home is in foreclusure and I have to fillout loan modification paperwork again; for the sixth time. They could not handle the foreclosure workload and made no effort to help they are also responsible for this they knew what he was doing was wrong. I have received two statements from WAMU that is it since I took this loan out in 2003. They do not want to help the homeowner they just made it more difficult so people give up they need to take some responsibility.

I am one of the many consumers trying to complete a short sale with Washington Mutual as a second lien holder. I sold my condo three months ago to a qualified buyer who is still motivated to close on the property. My first lien is with Wells Fargo and they have approved the short sale, offering WaMu $3800 (8% of the loan). WaMu has not operated in good faith from the start.

I lost my job in Nov 2008. Wells Fargo refused to do a loan mod because I was unemployed. They took 2 months of mortgage payments from me during the loan mod approval which were never applied to my mortgage. Because the payements were not accepted, those months were recorded as the first two default months. They still have my money. I couldn't pay either the first or second mortgages for lack of money and Wells had stopped applying payments anyway.

In June, Washington Mutual sent a notice telling me to contact them with 18 days or the loan would be turned over to collections. By then I had commissioned a realtor to short sell the property. Neither of us could reach WaMu Recovery by phone, fax, or email despite both of us trying daily for the 18 days. We finally contacted Chase Executive Resolutions who submitted the short sale package for us. Chase Executive Resolutions told us in late August that the WaMu loan was still "in house" and had not been turned over to collections, but had been written off (I had no opportunity to pay or negotiate settlement)

Wells Fargo offered WaMu $3800 dollars. 3 days after we submitted the offer to WaMu, I got a call from Darryl H., Oxford Management Services he would not explain what OMS relationship to WaMu was. NOTE: WaMu loan is an unsecured HELOC and I have already paid 30% of the principle: $23,000. Darryl said WaMu wouldn't approve a short sale for less than 18,000, but would put it in writing. Later, he said WaMu *might settle* for $9000 when my realtor pointed out I had already paid a sizable amount of the balance.

Two months later, I am now 9 days away from a trustee sale date. Darryl's boss at OMS says WaMu will need $13, 600 to settle. No one will put this in writing and we suspect OMS is brokering a deal with WaMu. OMS will not show evidence of having submitted offers to WaMu for approval. WaMu does not respond to inquiries from the title company for the payoff amount.

Trustee Sale Date is Oct 27th. The Default and subsequent short sale was a result of being laid-off my job last November. Wells Fargo denied a loan modification. 1st is a purchase loan with Wells Fargo. Wells has approved a short sale. The buyer is still motivated. 2nd is a HELOC with Washington Mutual. I refinanced my second to get out of a 5/1 ARM. Original loan amount on the second was $68,000. I have paid off $23,000 of the principal on the second. Wells Fargo has offered WaMu $3800 to settle and WaMu has refused.

WaMu wrote off the loan and hired a servicing company (not collections??) without informing me or giving me any opportunity to repay or negotiate a settlement first. The servicing company refuses to tell me or the realtor how much it will cost to settle. They have said *maybe* $18000, then $9000, then $13600. They won't put any of it in writing or reveal whether they've presented these numbers to WaMu. Neither WaMu nor Oxford Management Services is acting in good faith. They refuse to tell us the terms is would take to release the title.

By refusing to communicate or negotiate, WaMu had put me, another consumer into foreclosure. I had a high-700 credit rating before this all began. The buyer loses the opportunity to purchase, both buyer and seller realtors won't get paid, and Wells Fargo has to pay for foreclosure proceedings in spite of the property already being sold for the highest, most aggressive price we could get. This is what is perpetuating the housing crisis. All parties lose and WaMu gets nothing as well if I file bankruptcy (I carry no other debt beyond the second lien).

For many weeks I had problems trying to contact someone at the bank, I have been put on hold waiting almost two hours for someone to help me or give me any information.

I lost my job, and now we also lose our homes. I demand an audit and open a claim to investigate the WASHINGTON MUTUAL BANK / CHASE BANK. Who are benefiting from these Loan Modifications? How many loans has WASHINGTON MUTUAL BANK / CHASE BANK approved? I have to pay a lawyer to assist me with this modification program to keep our homes, because I can not doing alone or WASHINGTON MUTUAL BANK / CHASE BANK is waiting for customers to foreclose so that the bank can resell with better prices.

My husband and I could not make a mortgage payment in April 2009 (job loss related. We received a letter dated May 6, 2009 stating that we had missed more than one monthly payment, which was not true. We paid the mortgage every month except April.

I called right away to see what our options were in order to come current on the loan. The only option we were given was a loan modification, which we initiated. In the meantime, I fielded AT LEAST four calls per month from their collections department asking for full payment over the phone.

In August 2009, a customer service representative who I contacted told me we could be interviewed for eligibility for monthly installments to satisfy the debt and spread the payments over a maximum of five months but that we would need to wait until we were two months behind in payments.

Since this option appealed to us and made it affordable, I made the call in October, at which time we would be two months behind, to put this plan in motion only to be told we couldn't do that because our loan application was "still open" even though we had recieved a letter saying our loan application would be closed as of September 28, 2009. During that same call, I was told by "Trell" that I could pay extra each month by separate check and that that money would be put in "suspense" until the entire amount is satisfied in February.

WAMU customer service does not give you options when called. Loan modification is the only answer given. They do not mention an installment plan. We would have saved months of late penalties, letters threatening foreclosure, collection phone calls and debilitating anxiety had we known this option existed in May of 2009. It's now October and I have no confidence that my separate check will be put in "suspense". I suspect it will be credited toward the principal and we'll still be hounded.

I am a Realtor in California and I am very dissappointed in how this big banks take advantage of us. Making us wait long time for a Short Sale. Instead of fixing the problem they make it worse. Their customer service is really a "let me get you out of the phone as quickly as I can service." Lying to us telling us the everything is in and then the following week they tell us o we need this, we dont have this, we never received this, after three months when we are all burn out they keep telling you the same lies, over and over again.

I am so emotionaly drained. Please help me! somebody has to put a stop with incompetence. These banks supposed to be most powerful entities in the world and the incompetence of their associates it is sickening. Please do something about it. i AM totally exhausted.

I am completely burn out, and emotionally drain for all the abuse we go with them once we go on the phone. The careless way in which they treat REaltors, I am like garbage to the them. I am loosing clients everyday, because of the long waits, therefore er loose commissions everyday. they dont care: A short sale is not only a way out for the buyer but for the bank as well. Please do something about it.

Over the course of the last 2 years I have lost 2 jobs and have been unemployed. This resulted in an inability to pay my mortgage. I followed everything Wamu said to do, but much to my demise, it got me nowhere. We were advised by Wamu that they were foreclosing on our home and we had to be off the property by April 16, 2009 as it would be auctioned off. For an unknown reason, the auction was suspended and the property still remains in our name, even though we have moved as advised.

Since then, Wamu offered us a trial payment for 3 months but of course we did not qualify since we were no longer living in the home. I can not afford the home with being unemployed, but can not get Wamu to do anything to resolve this issue. They have consistently placed the payment where it would take all of our income just to keep the home with very little left over for utilities and other expenses. At one point, they increased our mortgage to $4200 (approx)even though I had submitted documents showing I was making approx. 18k less per year with the new job.

Then came the foreclosure that never happened. Although I understand that my credit will (is) affected by the lack of payment, I do not see how it is right for them to just leave the property sit after kicking us out of it and offer us programs we don't qualify for because we don't live in the home. What are my legal rights and what can be done?

I expected my credit to be affected, but with the property just "sitting" on my credit when I was advised to move so they could auction off the property, it is absolutely killing us and prohibiting us from rebuilding our credit. This has affected my ability to obtain jobs, to rent certain properties, or to even do a debt consolidation.

trying to by a short sale that was to already have the bank ok and it is now 5 month and i still don't have a yes or no. i will lose out on the first time buy $8000.00

Washington Mutual is a Joke, I applied for a modification in March, I called them every week up until May, they told me all my paperwork was in and that once it got assigned to a case agent that they would contact me, but to keep checking, they did not have the man power to call me, so keep calling them. I did this for three months. I went to the mail box and there was a letter in my box denying my modification for missing items. When I called over and over and eveything was in, they said I missed the deadline and I would have to reapply. I asked for help before I defaulted and argued with a representative and she said as long as you're paying on time you will not get help. So all this money they got they apparently stuck up there you know what. I continued to pay my mortgage ontime, but due to hardship, my hours were cut at work and my husband left me. I immediately started the process again, but then fell behind, I could not make the payments anymore, it appeared that once I stopped making the payments I thought I was getting some, they called all the time 4 and 5 times a day for their payment, yet I can not get anyone to modify my loan.

Since July 17, my paperwork has been pending and is being reviewed, I call three times a week and can't even speak to someone that speaks english, yet their advising me on my loan in America. No one knows who is looking at it or when it will be done. All they tell me is that it takes anywhere from 30-120 days. Yesterday, they sent some boy to knock at my door to call the Hope Hotline, I did, and all they call tell me that I am still 850.00 deficiet of my loan and I needed to get another job or figure out how I was going to make that difference or they were going to deny my modification paperwork. On top of everything since my loan is on a 80/20, I have to do seperate modifications and my 20 loan leder will not even send me the modification paperwork until I am late on my payment. I am beyond fed up. I since then have moved a roommate in for a year, now I have this fear that everything I have worked so hard for is going to be gone. It appears that all of our complaints are the same and no one has gotten a successful modification!

It started in Feb 08, I had a house in Vista, Ca. which was being remodeled and all payments were current. I was out of work as of Oct 08 and wrote to WaMu...taking proactive stand saying was their anything I could do to modifiy the loan as I needed a lower payment. In March 09 I received a letter with a loan reduction for March, April, May and June and to resume my normal payments which I did and have continued to do so since.

Now all of a sudden I am getting calls every day telling me I am 4 months behind, I didnt qualify for the loan mofication and I owed them 4 months payments and that they would have to start foreclosure. In the mean time to make the payments I have put renters in the house. I sent them on 3 different occassion loan modification papers which in fact the WaMu sent them for me in August 09 and they cannot be found and this was all personal information including social security numbers, tax returns and bank info...no where to be found.

I got a letter saying I didnt qualify because I didnt send pay stubs and and IRS form which was sent the day before. now I am getting 2 or 3 calls a day from different departments and telling me I am 4 months behind. The Loan Assistance Program they offered came out of the blue and it didnt say anything about this causing me to be delinquent...just said I had to make the payments and to sign the docs and return with a check which I did. I never received a call or late notice during that interim time.

Now they are threatning foreclosure and saying since I have renters I do not qualify for a loan mod. I am at my wits end and do not know what to do. This is not right. I have always had great credit and in this economy with work and jobs unavailable in my line as a chef. I am working a lot of hours and I am 69 years old.

When hurricane katrina came the mortgage company had to have money right away. My husband and I had to move the day before the storm and when we came back the my house had shifted, a whole in the kitchen and the den, it rained in the house in every room. The walls had cracks, the corners in the rooms had separated, the floors in the kitchen and the den had buckled and we had to throw out most of the furniture including the stove and the refrigerator.

FEMA came out and said that we had about $144,000.00 or more damage but when the road home had someone come out to they found more damage than that. I worked for the road home and was unable to be home to watch the workers to do their job which they didn't. The problem is that I borrowed 64,000.00 from washington mutual and I had been paying them whether late or on time. However after the storm everything got turned around. We needed everything to live in the house with all of the mold and wet sheetrock. Money was crazy but I did manage to pay the mortgage.

The mortgage companies was told that we could get a grace period but washington mutual would't honor that for us. When I got road home money to repair my house I paid them what they said I owed. I was paying washington 700.00, 1000.00 in one month. One of the people that worked there told me to speak with the people who handled loan modifications but too no avail. Everytime I called there was never a live person you could only leave a message, never received a return call.

I had been paying this company for several years and I didn't owe them for paying them out early, that time had passed. I paid washington mutual 74,000.00 and something, they later mailed me a check for 4000.00. The problem is why is it that I didn't get credit for the years that were paid before the storm and all of the other money that Iwas forced to pay every other week.

Washington mutual overcharged me for the property (I have a copy of the pay off) and had the house covered for 64,000.00 through assurant insurance company. The insurance company paid me 10,000.00 and nothing else. I was used by the mortgage company, the insurance company and the people that were supposed to be working on my house. Please check the mortagage company because they really took advantage of me.

I have been told several times my application was completed only to call back and be told I needed something else. I stopped paying them I cannot believe they are not being held accountable. Washington Mutual is destroying the American Dream. Foreclosure

We cannot find out who is the servicer of our loan. We were initially told it was Washington Mutual, we called back theytold us JP Morgan Chase, they told us they did not hold the mortgage; that Washington Mutual holds the loan, we contacted Washington Mutual again and were told effective 9-3-09 that Freddie Mac holds the loan. Check with Freddie Mach does not have the loan. During the whole time for 2 yrs we received no call from Washington Mutual only their attorneys sending lts thatey the home was in forclosure--. We did find out that the home was sold in January of 2009. but we've searched public records, free, paid and no record who owns the property.

We called back and thry gave us the telphone number to the Recovery Dept at Washington Mutal. Three (3) different numbers: we called all the nymbers and they were busy. We just keep going in circles. We have tried everything, sent registered letters which they have signed for--with no response. We've informed them that under the presidents guidelines they should work with us to keep us in our home--to no avail. We are at the point we are ready to just walk away and cut our losses. Even my mother who is a dialysis patient states it's just too much to bear.

We do we call to find out this information and once we get in touch with the right person or persons will they be willing to work with us to help us keep our home. The mortgage companies stink--they're willing to give you a loan but when the money is there for assistance you can't get the help with good or bad credit. And mine is pretty bad now; but I'm trying to move forward. What is our recourse. Since we purchased the house in 1995 the loan has been passed to many other lenders but nothing compares to Washington Mutual. Select Portfolio did work out a forebearance agreement and we jumped that hurdle; but Washington Mutual can't even give the correct information. Has the home been sold? What can we do to try and recover the loan? Finally, who is the owner/holder of the home?

In February 2009 I attempted to obtain a loan modification from my second mortgage holder, Washington Mutual bank. I submitted a questionaire with all of the required documentation. I called several times over a 60 day period to verify that my documents had been received. After numerous calls, I spoke with an employee who hardly spoke english stating that they were missing several documents which I had already submitted. I verified the correct fax number and fax the entire packet again. Again I called and was told they never received it. This took place an additional eight times over the next two months. After 60 days i received a denial stating my packet was incomplete. I escalated it no less than four times however they denied my request. I decided to short sale my home as I could no longer afford it and because it had lost approx. $330,000 in value, I could not sell it under normal circumstances. I completed a short sale packet for my first mortgage and one for Washington Mutual bank. Within 60 days I obtained approval from my first mortgage with the condition that the sale close on 08/31/2009. this infomration was sent to Washington Mutual bank and to date I have not heard from them.

On 08/28/09 I called Washington Mutual bank and found that despite the fact that they had been in possession of my short sale request, they could not give me an answer as to whether or not it was approved, and I was advised that Chase bank had taken over Washington Mutual and that there was a conversion taking place. I called Chase bank, explained the circumstances and was told that Washington Mutual bank still had the paperwork. Due to the fact that we were past the deadline given by the first mortgage, I requested an extension of the loan approval. I was given an extension until 09/18/2009. I called Washington Mutual Bank again and advised them to escalate this information to the person in possession of my loan. The persons name provided was Mr. Cortez. They have had a month to review and approve or deny this short sale. My buyers have been approved for three weeks and have patiently waiting for the sale to close. I am asking for assistance in getting Washington Mutual/ Chase bank to escalate my request for a short sale approval to avoid forclosure by the first mortgage.

We couldn't pay our mortgage with WAMU. WAMU hasn't finalized the foreclosure on our house. We have not been served any papers and the County office has nothing on our property yet. Even though WAMU hasn't foreclosed they sent a comp[any into our house when we weren't home and this person not only went through our personal items they killed our lizards that we have had for 9 years which devastated our children. Shame on you WAMU you know you aren't allowed to have someone come into our house until the foreclosure is FINAL!

for sept 16,2009. Now I did complete a loan modification package. No response so far. They don't even talk to lawyers or anyone that reprents you as their client. My attoney that was working on this passed away from cancer. I'm telling you these guys need to be stopped in their tracks. If anyone is willing to file a Class-A law suit count me in.

I started the refinance process 03/17/09 and sent all documents required within 24 hours. The processors would not return emails or voicemails for weeks at a time. Each time a processor would contact me, it was to re-send the same documents over and over. I contacted the processors manager and then her manager to get a response. Delay tactics were used over and over.

The loan was then moved to another processor in mid July. After 3 weeks, I was told another appraisal would have to be done. How convenient since the last appraisal was done in March and the value has probably dropped. Now the loan has been moved to another processor and it is 08/17/09.

I have been told the loan would close shortly several times in the past 5 months. This process has been going on for 5 months now and I have lost several hundred dollars in what I would have saved if the loan had been closed in a timely manner. WAMU has used delay tactics, horrible customer service and unfair practices while processing this loan. I have lost several hundred dollars in what I would have saved if the loan had been closed in a timely manner.

and receiving no help from wamu

Approximately 2 years ago, I contacted Wamu to modify my home loan from an ARM to 30-year fixed. The Rep assured me of the benefits of signing up for the 5/1 variable.

On 3 occassions now, I have contacted Wamu-Chase requesting assistance on getting a better interest rate for a responsible 30 year fixed BEFORE RATES CHANGE.

Each time, even after Obama's incentives, I am told by Wamu-Chase's Rep that I do not qualify for any of the incentives as I have not missed any payments. I am also told that my loan is under $100,000.00 so I must pay a higher interest rate than others.

We had our mortg. payment taken out of our bank account every two weeks by WaMu,My husband and I seperated and he kept the house so we switched the payment from my bank account to his. We did all the proper paperwork with the bank and WaMU, well for some reason after seven years of doing this they quit taking the payment out of the account.

They never called us to let us know that there was a problem or anything or why they quit taking the payment out. They never sent us a letter either. We didn't realize anything was going on until we had received a letter from their attorneys stating they we were behind, but this was two days after they had already sold our house on the court steps which WaMu bought it back and then sold it to Fannie Mae a company which this country bailed out.

Since day one I have e-mailed the company and made numerous phone calls no response. So we contacted the lawyers office no one ever called us back. We received a letter in the mail stating we had a court date, we went and finally talked to their lawyer she told us that they were gonna remodify our loan we said great can we have a number of someone to talk to to find out how much we owe she said " I don't have the numbers on me but I will call you this week with an amount" we said great! well a week later I tried contacting her and left numerous messages but no return phone call.

We received a letter in the mail stating an amount that we owed on that date which was june 1st, but it said from the date of the letter which was May 13th to the date on the amount it would be higer due to other charges. I tried forever to contact them to tell them we have the money but we needed to know the full amount,we left numerous messages but no return phone call we also tried contacting WaMu but all we got was a recording to call this number and call that number which was a dead end. Someone else from the attorneys office finally contacted me saying to send the money, I told them I wanted to see paperwork stating my house was back in my name if I gave them the money she told me there was no paperwork,my lawyer advised me not to send any money until they had the paperwork.

We tried contacting them and they told me a few days later to try to find out what to do and they told me we missed our deadline and that there was nothing they could do. We went back to court hoping to give them the money that we owed which was $9000.00, they didn't want it they said there was nothing they could do and that we could buy our house back for the price they bought it for and that was it. My lawyer showed them the check but they didn't care.

So now my family and I are losing our home because of a mistake they made and the left hand doesn't know what the right hand is doing at this company. We can afford our house payment and pay the back payments and all penalties but they would rather take a home away from three children. I would like to know how this can happen it's just not fair. With school starting we have no place to go it's not easy finding a place for a family of five,but companies like that just don't care. I hope they sit on my house forever and never sell it, it would serve them right!!

My mortgage is with wamu-chase and I lost my job May 7th, 2008 due to downsizing. I went on unemployment for almost 9 months and informed wamu of my circumstances.I found a new job 1-20-09 but for much less than my previous job. I fell 2 payments behind but have made a payment every month. Not on time but never the less they were paid.

I filled out and mailed two sets of loan modification papers and have been told there are missing pages. I got a fax # and faxed another complete package.Still I'm being told missing pages. I have letters from wamu telling me the fax # and am being told by the very department that it goes to it's the wrong # I have sent letters to every department I could think of at wamu.

I'm harrassed day in and day out by their collection department. I've sent them a letter several times asking them to stop but they've ignored it. I still make a payment every month but even still I'm treated like a common criminal. Someone needs to stop this company's tactics. Please help me.

My husband and I stick-built our own home on the 10 acres we had bought and paid for 15 years prior. It took us 7 years since 1998 (living in the walk-in basement, while building it) to accomplish this. We initially had a construction loan with a different banking institution, but ended up re-mortgaging with Long Beach Mortgage through a broker. Long Beach immediately sold our mortgage to WaMu.

We had a mrtgage that would of brought our interest rate up to 14.6 over 5 years, so prior to the increases we remortgaged again, using the broker who again had Long Beach purchase it and they resold it again to WaMU..Note WaMu wouldn't lower the interest rate or oput us into a fixed mortgage! It was all a sham...laundrying of money, whatever those banks do to get rich at the expense of the working class. Our mortgage payment were huge! Our home wasn't worth what we now owed, but we made our payments. This home was our life dream.

Anyway my husband who was self-employed in the logging industry brought a piece of equipment that was a lemon. A very expensive lemon. We knew we were heading down the path of not being able to meet our full monthly payments and like all the testimonials before me it was months before anyone at WAMU evern admitted they had recieved our migation form with full documentation sent certified mail/ return receipt. I have all the documentation of calls made. Note their phone number was even disconnected or you would wait literally a hour on hold and then be hung up on. It was/is an emotional roller-coaster.

My husband has since lost his business after 20 years of being sucessful. thankfully I still have a full-time job. Our home was sold at the Sherriffs sale for 1/3 the mortgage amount to yet another bank called Deutsch Bank (I'm told one of the largest in the world). The attorneys handling it are from a firm in down-state from where I live in northern Michigan.

When I contacted them about redeeming our home before our 2/20/10 eviction date asking if there would be a clear title if we were able to come up with the now affortable redemption amount (if I can get someone to finance it, now that our credit is destroyed)they couldn't answer it and gave me a number to contact WaMu.

In tying to contact this number I am given an email address to contact. In using this email address I can not verify anything as it only list two homes in my area that in foreclosure, none of which are mine. Please, is there someone or some program that would help us?

We Know now that they have all the documents they needed.

Today (8/5/2009) I called them up and they say they only have a few documents and that my case has not been given a handler. I am not behind on my payments, but my wife lost her job due to illnsss and I need the modification. I have investigated this modification process with Washington Mutual on the internet and I find this deceptive stalling practice is rampant.

Back in March of 2009 I applied for a loan modification due to financial hardship and being a single Mom. At this time I was told by Wamu that all of the paperwork was received and a loan modification specialist would be contacting me but I needed to call back every two weeks to check on this. I have called back faithfully every two weeks and have been put on hold for literally hours and transferred to one specialist after another and hung up on. When I ask to speak to a manager in customer service they tell me they are getiing one so I need to hold and then they put me back into the long calling que and I wait on hold for hours again.

In May I was told I had a loan specialist assigned to my case they would be contacting me, but of course the person did not have a name or number. It is now August the loss mitigation department can not find my paperwork anyplace and told me they have no idea what to tell me other than I will have to try through Chase and start the whole process over. 6 months have been wasted. Wamu should not be able to get away with this.

October 2008, I fedexed the paperwork on a loan modification that had been approved by WAMU. In Decemeber I was notified that I was never entered into the computer thus had been cancelled. It took 4 months to get a new modification sent to me and this time it was a trial modification that I had to be approved for all over again.

Two months later I received a different trial modification offer from WAMU. Multiple calls, messages and letter to the original person on the modification all went unanswered. So I continued to make the payment amount by the date specified on the first trial modification.

THen in July when I called in to make my payment, the CS rep informed me that I had been late every month and the amount was wrong. She explained to me that the (and I quote) "the first offer wasn't valid". At no point did WAMU write me a letter or explain to me that they had made a mistake and sent out back offers. I have contacted them so many times my phone dials by itself at this point!e

To date, I have no info on my house. I am still making trial payments 5 months later. No one will return my calls. No one will tell me anything. I don't know if I will have a house next month or what is going on. I am flabbergasted that WAMU is still allowed to function at all. JP Morgan should be embarrassed by the antics in thier WAMU offices. It makes me wonder if JP Morgan is truely any better.

I am constantly stressed about losing my home because no one will tell me what is going on. I have made 5 trial payments in a row with no answers. I just want my modification so I can move on and focus on making my permanent payment every month instead of sitting here panicing that they are going to throw some rediculous number at me in order for me to keep my house

I am appalled at what this company has done to so many people's lives. I just finished reading all of the stories on line and can't believe how all of them are so similar. I also faxed in all the required information for a loan modification and needless to say they said they never received it 3 separate times. It takes a lot of time to put together 21 pages of information that they request.

After speaking to a loan advisor from another source, they said they will not do a modification on a loan that is not in default. She told me to be late on my next two payments, but not more than 30 days or else it would effect my excellent credit. I really didn't want to do that but now I am second guessing why not? Look what they are doing to all of us. This is where the law has to step in and force this company to do something or take over their accounts and they would get nothing.

I really don't know if the credit report bureau's will really be able to state that you have bad credit, when you think about it, who won't in this economy. My house was appraised at $455,000 two years ago. It appraised for $260,000 in January 2009. We owe 323,000 on it. We wanted to refinance but because of all the foreclosed compariables, the appraisal came in way too low. We would sell it, but who would buy it?

We are attempting to do a mortgage modification through WAMU, we have a spotless record and feel that no matter what we do it will not work out and we will lose our home. We have submitted 16 separate packages containing information with our social security numbers, bank accounts, employment and other personal and sensitive information, we have US mail delivery confirmation and fax/email confirmation that the information was received. To date ALL packages have been lost/missing or missing sensitive information such as tax returns. These were all together with loan numbers on EACH page, we fear where our information may be and no attempts to file a complaint with WAMU have been answered. I believe this is gross sensitive document mishandling and someone has to make them accountable for where our sensitive information is going?

Is it legal for a bank to mishandle such information? I can find no laws and I find no help. I know I am not the only one and the information needs to be made available and we need some form of recourse.

I have been trying since April 17th to have my present Home Mortgage "modified" to avoid any further financial burden to my present financial situation. I have been a Washington Mutual customer for several years and have never been late on a payment to them. I have called them about twenty times and they give me a different explanation as to why my request for Modification to my present loan with them has not moved forward. On several occasions they have indicated they were missing data and I would resend the material, this has happened on several occasions.

I have viewed other complaints from people writing about their problems to you and I have experienced all of their problems also. I don't know who I could contact that can lend a hand to the problems I am having. Is anyone in Washington following up to see how the Tax Dollars they are providing to these companies, are handling their lack of response to consumers who are waiting months for a reply from their financial instistutions! If you know of any agency I can contact for help in this matter I would appreciate it!

Thank you,

I have my mortage with Wamu. I have not been late on a payment. EVERYDAY they call my parents house. I have gave them my phone number, but they still call my parents house EVERYDAY. I have talked to customer service and sent a letter per Wamu request to stop calling and NOTHING has happened. Please trust me when I say they call everyday!!! This has been happening for the past 11 months.

I initiated a refinance on my home in March of 2009 with Washington Mutual, my current mortgage holder. Though eager to accept my $750 up-front fee, Washington Mutual never completed the deal despite my credit score of 825, my substantial equity in the house, and my prompt response to all requests for documentation.

Multiple mistakes were made on processing of the paperwork and nearly every call to Washington Mutual led to the discovery that my loan officer had changed. I dealt with four or more individuals, all unconcerned about completing the deal; I was told at one point that the office was being closed by the new owners of Washington Mutual. However, this does not excuse the monetary damage inflicted for which I believe the new owners should be held responsible.

We have been having some financial problems for a few years now do to 2 chldren with medical problems. We have always made our monthly payments although they were usually late. I lost my mother on Feb. 2, 2009 after a long term illness. We have also had car problems and some house hold repairs. You name it, it has happened. We payed our taxes late this year and we had to fax proof that they were paid. This is understandable.

We switched homeowners insurance back in November of 2008. Washington Mutual claims they received no proof of the change other than the cancelation notice they received from the previous insurance company. They then did an escrow anal. and raised our house payment starting in July of this year. I had our homeowners insurance fax proof of insurance and it's effective date on June 29, 2009. I also paid Junes payment as well as all late fees the account had accummulated for unpaid late fees. However, the payments were not applied as I requested.

I have made numerous calls with much aggitation trying to resolve this issue with no avail. I keep getting the run around and "it takes 3-5 business days for the correction to be made and applied to the account." This was 1st requested on June 29th and again every day from then on. I am not sure why I should have to wait 3-5 business days for someone elses mistake. Not to exclude the fact that it was applied wrong twice before properly requested for change.

I also requested July's payment to be taken out and applied on July 3rd and it still has yet to be done. In the mean time my account still has escrow charges that have yet to be removed. This is very frustrating. I understand that there have been holidays during this time but it started on June 29th and this is July 7th.

Also, there is a barrier in communication do to a numerous number of persons working for Wal Mu that are foreigners and are almost impossible to understand. This is America! I should be able to speak to an American.

Ms. N supposed to handle my payments which was never accepted by WaMu, because I was not notified that my mortgage had matured, and seriously degraded my credit score.

My refinance took more than 7 months and they never approved me, dispite having an excellent credit score (before WaMu messed it up), having 46% equity in my condo, and a decent income. I can't go to another bank or lender because WaMu has seriously degraded my credit score.

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.

I fell behind in my mortgage payments, but was able to reach somebody and set up a repayment plan. I was told on the phone and later in writing that as long as I paid on this plan as agreed, WaMu would not go forward with any foreclosure activity. They put this in writing in a letter dater March 28, 2009.

During this discussion, I was asked to pay a specific amount over the phone, pay an extra fee to make this payment, and to pay a different amount monthly. I agreed and make the payment over the phone to the representative with electronic check. The check cleared and I have copies.

I made my next payment and the check was cashed and cleared several days before the due date. After paying both of these payments pursuant to our agreement, I received a letter telling me that WaMu was going ahead with foreclosure because I did not keep my agreement. I immediately called the company to tell them that they were mistaken, that I had copies of the agreement, copies of the checks and that pursuant to our agreement I was not in default but was within our plan.

The representative told me that there must be some mistake because she could see that I had paid on time.; I was told to ignore the letter. Three days later, I received another letter from the attorney they had retained for the foreclosure. I called WaMu back and was told that there must be some confusion because it says that I broke the agreement, but it doesnt look like it. I was told I would receive a call back within the day. I never received a return call.

I made a total of 9 calls, but never received a return call. The agreement we made on March 28th was a valid, legal binding contract and WaMu breached by going forward with foreclosure. At the last minute, I filed chapter 13 to protect my house, but I incurred the added cost of $3500, plus a great deal of stress and loss of time.

WaMu made and then violated a binding contract. To my detriment, I relied on both their verbal word and a written agreement sent and signed by WaMu. I made payments on time and for the exact amount requested and I never received a return call.

WaMu violated their own policies, consumer fair credit laws, state mortgage laws, and they breached a contract that caused me monetary and stress damages.

Washington Mutual gave us a certain date to get insurance or they would put lender based on our home. We had insurance in time. However 2 weeks after we had ours they place there lender based on top of ours. They wanted us to pay them about $1,035.00 dollars. We refused saying we had insurance in our property time.

This has triggered computer gone wild. I have talked to 150 consumer service people and they have no idea whats going on. I have finally got someone in the insurance department reviewing this but they still say we owe them. This has gone on for over 1 year now. At this time Washington Mutual is reporting to the credit bureau that we our 2-4 months behind and they are affecting our credit rating. They take 2-4 weeks to cash our checks and lose some. I have every check wrote to them with dates and every check they cashed and those dates. I have every piece of paper they sent us and what I have sent them. I have better records than them.

I know that what they originally made us do was illegal because I have Florida's law. They have jerks us around for a year to the point you want to scream. Now they are reporting false information to the credit bureau and affecting our credit. That's on top of not resolving the insurance problem. Our representative C. Mack's office is helping us at this time and we have finally got some responses from Washington Mutual. We do appreciate you letting us vent.

I received a letter from Washington Mutual in February 2009 stating WaMu could save me money if I refinanced my home with them. I called the woman who signed the letter who stated she could not give me a better rate than I already had 6%. There was also a national sales team number that said since I was an existing WaMu customer, the sooner I called the sooner I could start saving.

On 2/27/09 I called the national number and spoke with Ashwin Patel. He gave me a rate of 5.375% with one point. Since my credit score was very high, the 1% dropped to .5%. WaMu would be paying all closing costs and appraisal fees. If the rate dropped .5% or greater during my processing time, I would float down to the lower rate. The refinance process will take between 40-60 days. The loan amount would be my current balance, but because of my lower interest rate, I would be saving approximately $125 on my monthly payment. Nothing was ever said that the process would cease after 90 days if not finalized. All this sounded too good to be true, but I believed them.

I received a call from my appraiser who was at my home within a week. Everything seemed to moving rapidly. My loan processor sent me an email with his contact information. I received my good faith estimateconfirming what was discussed. On 3/10/09 I received an email from C.Dacosta who wanted a copy of my Living Trust and confirmation from the homeowner's association that the monthly fees were paid up to date. Information was FAXed to her on 3/11/09. On 3/27/09 I called to check on the status of the loan. B. Hunter was no longer at the number he had just sent me. Spoke with Annette who said the refinance was in the approval process.

On 4/16/09 received call from D. Kraft, who said he was helping B. Hunter, asking me to sign IRS documents to release tax returns and again for my homeowner's association name and address. Information was FAXed 4/17. On 5/6/09 received email from W. Tangelia, who said he was helping B. Hunter, asking again for a copy of my trust document. Information FAXed 5/6. On 5/15/09 received letter for another request to sign for release of tax returns. Sent 5/15.

On 6/9/09 I left a voicemail with B. Hunter wanting to know the status of my loan. No response. When I tried the Customer Care Number, no one answered. On 6/15, I sent an email to A. Patel, B. Hunter and P.i Hudson regarding the status because it had now been 3-1/2 months. I told them I had been leaving voicemails with no return calls.

Received an email from B. Hunter saying he was transferred to another department as was his manager, P. Hudson. He looked in the system and my loan was declined and my $750 application fee credited back to my credit card. I asked why and he said my commitment and rate had expired. He said my loan had been transferred to L. Harmon, who also failed to respond to my email. He then failed to respond to any additional emails asking for an explanation.

My feeling is Washington Mutual was not going to make any money off me, but instead of telling me up front, they led me along for 3-1/2 months which made me lose a lower interest rate by refinancing with another lender. I wish there was something that could be done.

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.

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.

Months have gone by and finally I received another temporary workout for three months only to find out the payments are not affordable. I am now turning to legal advice.

Recently the tenant of the second home has expressed their interest in purchasing the home. If this home sells it would help our situation.

I've requested a short sale package from the lender and they agreed to send one in a week or so. I'm still waiting.

I have expressed to the lender I am willing to start making my payments as soon as they can show me they are willing to work with me.

All my loans have been through WAMU they have made a profit from all the business I've given this lender not to mention referrals.

I cannot write the complete complaint because it would take many pages to tell the whole issue.

I submitted request for loan modification on Feb 16, 2009 with all necessary paperwork. I was not late but my husband had been unemployed for months and we had exhausted savings. After 30 days I called to follow up and was told that they would email negotiator. The next day the negotiator left me a message with her direct line but never told me the status. I called back after 1 hour and it went straight to voicemail. I left a message and subsequently left 4 messages through out 2 weeks and never a reply. After that all calls went straight to her voicemail saying mailbox full hold on to talk to a rep and then it automatically HUNG UP!

This went on for months ( I have exact dates, how long I waited - who I spoke to etc) and was told that NO ONE could tell me about my status but that one person. I even got numbers of many people in her Dept and her manager and those numbers were also either full or no longer available! Finally over 3 months later I got a rep that was able to internally find someone in that Dept who said that negotiator no longer worked there and my file could not be found. So I had to redo the whole process and submit directly to a Supervisor who"would expedite".

Last week June 11 I get a call that I would be given a temporary reduction for 3 months while my modification was still being worked on...it sounded great FINALLY. BUT then the rep says that Oh I see you are not behind in your payments so I cannot offer you anything sorry. I get a call today June 17 from the same rep saying they need me to make payments for the next 3 months - at the current rate that I am already paying - and then as long as I make those payments then the loan modification process will continue and be expedited. I HAVE BEEN MAKING MY PAYMENTS THE WHOLE TIME THEY HAVE DROPPED THE BALL HORRIBLY.

This is the most unprofessional and disorganized and disrespectful company I have even encountered. What they say makes no sense - they are playing games - and have no loyalty or regard for people attempting to be proactive and not get behind. Now that months have passed we will be forced to fall behind in payments unless they get on with the process.

I lost my teaching position in November, 2008, so I decided to move to Massachusetts to help my daughter. I tried to find work in Mass, while my daughter in Florida stayed off and on in my house. I was able to pay the mortgage through January and when I still hadn't gotten a job in February, I called WAMU and they sent me the modification packet to fill out. I sent it back at the end of Feb. and started my weekly phone calls to find out what was happening.

Every few weeks, they would tell me something new that they needed faxed to them. I would immediately fax it and it would take weeks to find out that they still didn't receive it. To make a long story short, I wrote them a letter telling them I had finally started work and could send them a payment. Then, I was informed that my house had gone into foreclosure but that it has also been assigned to a person for modification. I have not been notified by mail of any of this and they couldn't give me an extension number to call this person.

My just daughter called to say that on June 11th they put an abandoned notice on my house saying that if I don't call in the next few days they will secure the property for the bank. I still pay for the utilities for this house and my belongings are still inside. I'm a 64 year old female who is trying her best to fight an invisible overwhelming foe. I called the number on this notice and they only work Monday through Friday, so I'll have to call in the morning and hope that I can speak to someone who knows what is going on.

When I called the customer service number at WAMU she said that it has not been given a sale date yet and gave me a lawyers name, but also said that they cannot give me anymore information and I have to go through the law office. I told her I have not received anything in the mail from anyone. When you look at Wamu's website it sounds so helpful, but that's not true. I believe that customer rep probably knew that I'm out of luck but couldn't say that.

I just want time to clear my things out of the house if they aren't going to give me a modification. Now I'm wondering if they'll try and hold my stuff for money. I wasn't over my head in the mortgage or owed more than it's worth but because I lost my job and the housing market is so bad I feel like the rug is being pulled out from under me.

I'm not as bad off as some people but, I hate that at this stage in my life my credit will be negatively affected and I won't be able to repair it. I try not to let this affect me physically because I have to teach every day and be emotionally strong, but I'm not sleeping well and my blood pressure is climbing. I will be devastated if I can't secure my belongings in the house.

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.

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.

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.

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

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.

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!

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.

I bought a house December 2005. I lost my job 3 months later and was out of work for 2 months. Also, during this time, I became ill. Obviously, I got behind on mortgage payments. However, I did not ignore the situation and pretend it wasn't happening. I tried contacting WaMu customer service several times to work something out with them but to no avail. They wanted their money, and they wanted me to pay in full. Impossible!

Finally, I spoke with a rep who said I could apply for a loan modification. I did all the long paperwork, made copies of everything they needed and sent in the huge package to them. I felt a little relief thinking that they were going to work with me and I was going to get through this. However, I received a letter not too long after applying, stating that I had been denied the loan modification.

Again, I tried calling WaMa customer service several times to figure something out. Instead, I usually hung up the phone crying because they made me feel so bad. I after many letters warning default/pre-foreclosure/foreclosure, I decided to sell my house. I found a wonderful realtor (after being turned down by many), and the house was approved for Short Sale. The house was sold within 4 months. I received a letter saying that the loan had been satisfied, and I was no longer responsible for the debt; I no longer had a debt.

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!

I filed Ch 7 bankruptcy two months ago, excepting my WaMu mortgage, which was to be re-affirmed when the bankruptcy is final. Last week I get a phone call from someone in a foreign country asking me to pay up the past two months mortgage payments plus late fees. As with all my other creditors, no statements were sent to me after the initial filing. After trying to explain the situation with the voice, I asked to speak to someone else. I got a "supervisor" who spoke worse English than the first voice. I hung up.

I then get the mortgage statement in the mail, two month's plus late fees. I call the Customer Service number, am on hold 12 minutes, hang up and drive to the local WaMu/Chase branch. I explain the situation, she calls the same Customer Service number, finally gets a voice that tells her they have to record of my bankruptcy filing and that she cannot access my account other than to tell me I owe the payments plus late charges and that I have to call their bankruptcy department. they never answer.

I go to my attorney, he rolls his eyes, shakes his head and makes a copy, says he'll take care of it. I hope he knows what he's up against.

I am in the process of loan modification. Up until April my account was debited through automatic payments. April and May we made manual check submissions due to the loan modification temporary payment schedule. We were denied credit based on our credit score and upon our credit report review there was a reported 30 day delinquency on our mortgage payment from WaMu. Through our discussions apparently they had applied the first payment to another loan number and now are in the process of clearing after our submission of the appropriate documentation.

My wife spoke with a representative that stated that they the late payment would still show up on our credit report because we are in loan modification. None of this was mentioned in our loan modification agreement. We have attempted to resolve via phone wither several customer representatives and trying to speak with managers and get different answers each time. Can never get to the appropriate person to handle this issue. The representatives are very unfriendly and extremely unhelpful and not willing to assist in reconciling. Terrible etiquette and inappropriate behavior. What can we do to get this resolved.

WaMu is the current holder of my mortgage and has sent me letters requesting me as a customer that refinancing was available and I could save closing cost by using them. In Jan. 09 I submitted an apllication and documents for refinancing loan # 0758948079, again in Feb. 08. In April I was approved and supposed to close shortly thereafter. I have since not heard or been able to contact these people. They requested a fee of $750 which I paid and fear this has all been a scham.

The refinancing was to acquire a lower interest rate and extra cash for some remodeling and new heat and air unit. I have had to access my IRA for this which I wanted to avoid and seem to have lost the fee of $750.00.

I have recently gone through a rather acrimonious and contentious divorce. During the process my ex-wife abandoned the home. I was forced into Chapter 13 Bankruptcy as a result of the financial costs of the divorce. I submitted a Loan Modification Request to Washington Mutual Bank on February 24, 2009 in an attempt to reclaim the house. As part of the bankruptcy action, an automatic stay was placed on the process, prohibiting WAMU from selling the house. WAMU, through J.P. Moorgan Chase filed a motion to have the stay removed.

After discussion with WAMU and recieving their assurances that while the loan modification request was pending, no further action would be taken, I did not contest the motion and allowed the stay to be removed. It was removed on April 8, 2009. Immediately after, WAMU through their agents, Quality Loan Services, scheduled the trustee sale for May 19, 2009.

I spoke with their Loss Mitigation Department on May 7th to enquire of the status of my loan modification request, only to be tole that as it was previously assigned to their bankruptcy department, it was being reassigned to another individual and that, again, the trustee sale would not proceed while there was an outstanding loan modification request. I spoke with them again this morning only to find that 1) the trustee sale was proceeding and that 2) my loan modification request had been closed due to the high volume of requests.

It has been my experience in working with Washington Mutual that they are not to be trusted at their word. I have attempted to address the situation and have in good faith, attempted to work with them to reclaim my house. I have received assurances that they are willing to work with me, yet their actions belie the truth of the matter. They have been uncommunicative and at almost every turn, withheld information that would be necessary for me to deal with this in a constructive fashion. For instance, I have received no notice that they intend to proceed with the trustee sale, nor did they notify me that my loan modification request had been closed - without any action on their part. I have found them to be disingenuous and deceitful in their dealings.

My wife came down with cancer 6 months into our home loan with WAMU. We repeatily offered to work with WAMU but we always received the brush off. THEY NEVER ATTEMPTED TO WORK WITH US. They preferred us to default on the loan, then short sale the house and after which, they come after me for financial reimbursement. This is after they receive their BAILOUT/BUYOUT. We are now living check to check with my wife still battling cancer and myself, distraught with stress, high blood pressure and depression.

I want to sue Washington Mutual for this. They should not be allowed to get away with this. I will join a Class Action also. If this holds true, I will not be able to pay for my wife's medical care. This is not fair. I short sale'd my home. This should be enough.

Since May 2008 I have been trying to get a loan modification from Washington Mutual. I was told in January 2009 that it would take 20-60 days for an answer. It is now May 11, 2009 and I still cant get anyone to tell me the status of my loan. I am told that the Loan Officers that are handling these loans are overwhelmed and are no longer taking calls. I have called WaMu's customer service department 17 times since April 13, 2009.

I was discharged from Bankruptcy in the month of April 2009. I was informed by the Bankruptcy court to make my payment to Washington Mutual for April which I did in the amount of $1178.00. The Check was cashed and I contacted them toward the end of April and they informed me to makemy next payment in the amount of$1082.02 and to send it to the Jacksonville Fl address. New homeowners insurance was paid for the year in the amount of $644.00 on the home, and we thought everything was fine, until I received a letter on 05/7/2009 dated 05/04/2009 stating they could not accept my payment.

I contacted Washington Mutual spoke with Steven, who was very customer service focused, who informed me they had not released it on their end, and I needed to call the bankruptcy deparment on Monday. In my opinion this is unacceptable. They cashed my check, then sent me a refund due to my escrow, and now they send my payment of $1082.02 back.

I have been through the mill with Washington Mutual and something needs to be done. Maybe JPMorgan needs to reconstruct their customer service department and make sure their systems talk to each other. Something needs to be done to clear this matter up immediately. I want to make payments, but what do you do when they return your payment when you are current. Please Help.

We applied for the home modification thru WaMu. Our mortgage account, which was never late more than 10 days was transferred to collections. We have never received a call from WaMu about being between 5-10 days late. We started getting harassing phone calls from WaMu at night about being able to pay our mortgage. The first one was "I understand you have a hardship and have applied for the home modification program. Pet DepotWhen will you make your mortgage payment?" We got calls on our business number which was the number on our WaMu account from outside companies trying to solicit us to use them for the home modification program right after WaMu received the papers. When we call to get info on the status of our application, we first have to go thru collections. We are canceling our application because we fear this will affect our credit rating and we now are treated like deadbeats.

I attempted to apply for a loan forbearance in Nov 2008. I continued to fax forms with requested documents and followed up on the status. Tell me why its May and they are foreclosing on my mortgage. I did my part why would that drag there feet when it comes to saving my mortgage. Every time I call they say re fax or we are awaiting a negotiator to look at your mortgage. My mortgage forclosed in April 2009 due to the loss mitigation dept not corresponding with me.

WAMU will not return calls, emails or faxes! We were suppose to do a refi 4months ago & it's still sitting in closing! I am sure they are trying 2 back out, increase rate etc. Looks like a bait & switch!! We were approved, they have everything they need- including our money. I am currently on the phone on hold - have been for over an HOUR! Nobody!

now they quoit 14 day to receive 68 day from negotiator. why cant they seam to get there act together to properly file work and get it to the people they need to get it to. on thier 68 day they originally told me was yesterday and they still have not place me with a negotiator. shame on you wamu.

I re modified my mortgage in 2008. it took wamu from january 2008 to dec 2008 to complete the modification and me having to burden extra 38,000 of interest charges tack on to my sub prime mortgage. they told m 60 day from negation to close . I was not satisfied with the new modification due to an high monthly increase i received in monthly payments so i submit it again on 2/10/09 and as of yet they lost my file 2 times i had re faxed 4 times every one has a different view as to what is going on and time frame. now they quoit 14 day to receive 68 day from negotiator . why cant they seam to get there act together to properly file work and get it to the people they need to get it to. on thier 68 day they originally in and in my 68 day with out any placement of my mortage to a negotiator . shame on you wamu.

My husband and I have been out of town for several months caring for an ailing relative. Today we received a letter from WAMU that asked if our home was vacant, and stated that, if we didn't call their office within 8 days, they "may change our locks and board our windows", etc. for the protection of our home.

The payments are current on the property, the heat and all utilities are on at the house, AND there are three cars parked in the driveway, so we cannot imagine why they would think the house is vacant or why in heavens' name they think they should be able to change locks on our doors!

We called as soon as we received the letter which was forwarded to us from our home postal service. Though we spent more than an hour on the phone speaking with several departments, we still don't have any answers or even know IF they did indeed change the locks!

Is there no limit as to what this Mortgage Company can do within the bounds of its contract with us? Anyone know how to get this and the other numerous complaints into the Senate Finance Comittee handling the banking/ mortgage bailout fiasco??

We have our home financed thru Washington Mutual Bank. Bad Idea! They have always shown us being late. But when I lost my job they were quick to try to foreclose. We decided to try a modification to reduce our payments to keep our home. Because Fedex delivered the papers a day late the wrote and told us we were denied the modification. I had to hunt a place to move to and place a deposit.

A week later I was contacted and told they were going to try to use the paperwork they recieved but was not for sure if they could because of the date on the papers, someone would contact me. YEAH RIGHT! I called then two times a day for 60 days. I never received any returned calls, no letters, I was always transfered over to a collector who did not know what was going on. I have yet to speak to a live BANK person. And because of their delay I found out in March of this year they accepted the Modification, but they are now trying to foreclose because they said I am 2 months behind on payments after several attempts to contact them about the approval and lost out on the deposit because she held the other house for a month for us.

Now just because they did not return my calls, they want all the money they said we owe because of their neglect towards me. They should make it right. I never get to talk to a banker from the bank, its always a creditor. I have asked to talk to someone and they refuse to put me through. I have changed my phone number twice because they would call me on the hour everyday and it was always someone new.Even now they will not work with me, I am now in a decision mode. Do not finance with this bank.

Stress in my home. Since this has been occuring I am now on blood pressure medicine for high blood pressure and I have never taken medication for anything serious. We are drained out of our savings, because at one time I was paying 800.00 a month to catch up on what they said we were behind on, I have migraines almost everyday. Having to pay out to change phone numbers, and embarrassment form our postal man seeing the FORECLOSE pasted on the front of the letter of intent.Stress in my marriage.

I received a phone call from WAMU asking which modification program am I intrested in but in the mean time I also received paper work about a modification and I asked to be considered for the Obama modification that came out in April 2009. I was told by a WAMU representive not to return the paper work I have. Now I received a letter canceling my modification because I didn't send the paperwork back. I also requested to not be contacted at work and as of 4/17/09 I am still receiving calls at work. WAMU also is holding any monies I send even if its two to three dollars short this is helping to rack up late fees.

A large amount of late fees that they are not telling me that the monies I send is not being applied toward my loan.

We missed a payment with WAMU in 2007. We set up a date with them to electronically debit our account for two mortgage payments. They debited the account a day early, resulting in an NSF. They placed our property in forclosure. We entered a work out plan with them and worked with Debra Kuehle. We paid $600 a month for three months. In January of 2008, we were to contact Debra and set up new mortgage payments. At that time, we were assigned to Betty Winters, as Debra moved on to another office. Betty stated that we could begin a loan modification and would get back to us in a few days. When she didn't call, we called her. She continually stated she was working on the pkg, or needed signatures. She sent us paperwork to fax back to her on two occasions. Both sets were lost. Betty does not return our calls.

It is now March of 2009. We haven't made a mortgage payment to WAMU and they don't return our calls. On March 30th, we received a Fed Ex pkg from Betty with a letter stating we needed to complete the list of items and fed ex them back to her (third pkg of the same stuff she already has). The letter gave us 10 days and Betty gave us 3 according to her pre-paid return fed-ex. We sent the pkg information and paid to send it ourselves.

Got a letter yesterday from Chase (4/17) denying our workout, because it was late and missing items (items not included in the letter or on her list). Our home is back in forclosure! Give me a break! They don't return our calls for two years and we are late? Thank God that Genworth Financial (our PMI holder) has contacted us to assist with our workout efforts. We have sent them the same documents and the person has kept in touch via emails. Hopefully they can help us.

What has resulted is a credit rating that indicates we have been behind and in forclosure for two years. We are in fear of losing our home that we have made every effort to keep. We are stressed out and and worry that WAMU will throw another curve ball at us. How can a company ignore its clients? We don't get it.

In December 2004 I refinanced my home. I ended up with Washington Mutual (the names Long Beach Mortgage and Duetsch Bank were also in my loan papers whatever the relationships there are). Things went along fine for a few months, I had my payment set to auto pay and it was great. In the middle of 2005, my auto pay did not get taken from my account. I called WaMu and was told they had no idea what happened. I made the payment on the phone to avoid a late fee.

The next month, the same thing happened and I called again. I was told I had been cancelled from autopay because my previous month payment had failed and I had unpaid failed payment fees. I argued and refused to pay the fees, went ahead and made my regular payment via phone. I continued calling and arguing and they did finally waive the fees and set my autopay back up. The next month went fine. The month after that, I was on vacation for the week my autopay was to go out to WaMu. I returned home to find it had NOT. I was by then late on my payment.

This was September 2005. I started sending a check each month for my payments, refusing to pay the late fee. Each month I would send the check on the first in order to get it there well before due date, however WaMu would not credit my payments until after the due date. Late fees began to pile up, which I argued and refused to pay. I was being threatened with foreclosure if I did not pay these amounts. WaMu began refusing to accept my payments, stating they were under no obligation to accept a partial payment. In December of 2006, my property tax bill came out. I had ALWAYS paid my own taxes, there was no escrow agreement or payments for WaMu to do so. My bill comes in December and I would pay it in January every year with income tax refunds (taxes are due by mid February).

All of a sudden, WaMu went and PAID property taxes on my home in December, leaving me with a negative escrow balance. They began charging late fees, penalties and increased my house payment. I agreed to pay a higher house payment to cover the negative escrow but nothing else. I refused to pay late fees, penalties or continuing escrow for future tax years. They still refused to accept payment unless I paid the entire amount they claimed were due for late fees and penalties and for the escrow balance plus all the missed payments which were due to their refusal to accept the payments.

They foreclosed on my home and in March 2007 I ended filing a Chapter 13 to keep from losing my home of 20 years. The trustees office had to threaten WaMu with legal action to get from them information on my monthly payment amount and balances on the mortgage and the arrears. Three days after my Chapter 13 was filed and WaMu was notified, they auctioned my house, verified by the county sheriff's department. My attorney said not to worry, the court would have that sale set aside. (He was a useless liability as an attorney- a whole seperate story).

Well, my home burned down last fall and we rebuilt. I used part of the contents money to pay off my Chapter 13, which was almost all WaMu (even my good accounts had to be filed and it screwed them up as well). I am waiting now to see how long it takes for WaMu to pull something with me again- I just made my first payment to them this month outside the protection of the court.

The consequences have been steep from all of this. The stress of going through all of it was terrible. The financial impact has been tremendous, with a Chapter 13 to work off on my credit now. Now the worry of what will happen with WaMu outside the protection of the courts is a daily nagging concern. I mailed my payment with Priority Mail delivery confirmation to prove delivery date. I also mailed them a letter the same day which has not been accepted. I cannot access my account online any more and I cannot get anyone to help me when I try and call WaMu.

My husband and I have a mortgage through WAMU. I see now that unfortunatly we are not the only ones in the mess we are in. In Oct 07, my husband lost his job. We put out heads together and decided to try and keep our home. We have four children and stability is very important to us for their sakes. So I work overtime, and while it isn't as much as what we were making with his income we were trudging along. Reciently we ran out of unemployment and it is getting tougher to make the payments.

We sent in our statement of hardship along with every requested document not once but twice. Apperently the address on the envelope that they sent us was incorrect so it was sent out again. We have been told on three different phone calls, three different dates of when they recieved our information and that it would take 60 days from the time the recieved it till a decision would be reached. This was told to us after telling us that they would not put us through to management, that there was no program that would help us, and management would tell us the same thing.

Apparently we are going to have to find a lawyer and show them how hard we will fight. We are thankfully only a month behind and have been able to stay that way. We need, I need help. I cannot keep up the hours I have been working trying to keep our house. I have been sick several times in the last month partially due to exaustion. Someone needs to step up and PLEASE make WAMU accountable for what they are doing to hard working home owners.

I am not going to exhaust any more minutes of yours or my life saying the same thing that the last several people have stated. WAMU is not helping, they say they want to and maybe they want to but they put homeowners wanting help into limbo with endless faxes and mail with short time lines and request the same information. I have fax receipts, certified mail receipts of sending the same information (Pay Subs, Hardship Letter, Statement of payments ect) and they will say they received it only to get another letter stating they need it again...... What good is the Presidents Plan when these companies still continue to do this? It seems they keep this up just to prove they put effort into this. PLEASE investigate and put an end to the run around and endless calls to people who cannot help and make them assign agents to take responsibility for these modifications so the economy can get better!

I have the same story as everyone else with the exception if I keep exhausting the energy that I have into this, I will lose my job, and what's left of my life....

I have a mortgage and an equity line of credit (ELOC) with WAMU along with a checking account since 2001. Both my mortgage and ELOC had been on auto pay. In 2008 I withdrew some more money from ELOC. Because of this change, I needed to set up another autopay. So far so good. At the local branch, I filled out a paperwork and assumed it would be done. A month later, I noticed money was not withdrawn from checking. So, I went to the local office. The same people who filled out paperwork said somehow it could not be done and I need to do it on their web site! I followed their instructions and assumed it is done again. WRONG! The next month the same problem.

I followed up with the local branch again. Aparently they have no clue on what is going on, they filled out another paperwork. In the meantime, I am getting charged with late fees and I keep paying the payments manually. So, finally the next month, auto pay worked. Couple months later, I get hit with another late payment notice and couple other threatening letters about cancellation of my account and reporting to credit companies.

Visit to the local branch: they said when J.P. Morgan bailed out WAMU, all auto pays were suspended, and they apparently sent out notices, probably in junk-mail looking envelopes. So, anybody who do not open junk mails like me would have missed that. Went to the local branch again and again to bring my account to current and avoid a credit issue. Each time, they promised to follow up and no progress was made until I went back and ask again and again. To make things even more complicated, each time a different representative is assigned to the task, so there is no contiunity. All in all, WAMU experience has been, at best, awful.

Wasted time, stress.

I just found out that my mortgage co. foreclosed on my property, and I found out due to a money hungry lawyer looking at clerk of courts documents. I was never notified by wamu. When I called they said they had try to reach me on my 4 (four) contact phone numbers. Not 1 (one) of them was mine. Now they say I owe them 4,000 and my payment I have sent will be returned, because they will no longer take any payment unless it is in full , and i must pay a reinstatement fee to their lawyers over and beyond. When I asked how they came up with the number 4,000 They said I had not made a payment since Nov. 08, wrong!!

I then said I have a statement from Jan..I was passed to 3 different people who said they had my info. and would help. The help was to try and pay the full amt. that I don't owe and I needed to cantact their lawyers to get the amt. I owe them to be squared away with them. If I can't pay in full I was told our new pres. has new plans to help, (If I qualify) NOT.

My neighbor has not paid his mortgage since Aug. 08 still no foreclosure, why he owes more than property, me they can make a killing on my home, I have too much equity, free money to wamu. Side note I have called their law firm 6 times all different hours, all voice mails and no return calls. This from a firm that says they are serious about fl. foreclosures, yea there're serious about selling peoples homes.

I have high blood press. if I die over this because of stress I leave a loving wife and a wonderful 8 year old son. It just really disgust me that someone could lose their home over 1,000 and never be notified,SAD. The kicker to the whole thing is now I have to pay a lawyer to fix this crap and pay more than I owe. What a great business.

my wife has been laid off for a year and i had my hours cut. we have been working on a loan modification with wamu since nov 08 with no help from them. we are now 4 months behind and are still getting denied and the run around. we have no money for food and have been eating oatmeal. does anyone know where we can get some assistance to move out into an appartment in another state. I had perfect credit and now its ruined. this is so sad but i cant fight anymore. I just want to leave the house and move on. why drag this devistation on any longer.

dont have any choice but to walk away from my home with no money for a place to live or even eat. I obviously cant afford an attorney.

I was layed off 08-08-2008. With the loss of over half of my pay I just keep going behind in my bill. I called wamu/chase starting in jan and i'm still fighting with them for help.thay ask me to send information 4 times now, sometimes the samething.Thay tell me everytime thats all thay need,and then want more.I'm givin 10 days to get everything to them each time or thay will drop /close my case and i'll have to start over. thay take forever and I think thay do this in hopes that people will get tired and give up.

well i'm not asking for help for no good reson,I need help and need it now.I have never been late in 11 years or defaulted on a payment and this is how thay help me out. now i know why there is so many foreclosure, wouldn't you think helping me out a little would be better then me giving them the house back and them losing a lot of money?? I'v also been told if i havent missed a payment thay can't help,that i just don't understand. why not help befor its to late. I have read other people storyes and it seem that there are alot of me's out there that wamu/chase don't want to help.

Right now i dont have any damage,but i'm rally upset and emotionally i'm getting really tired of dealing with all of it. I did'nt ask to be layed off, I really loved my job and wish i was still working there.I hate to ask for help, and this is why!!!!!

I began by trying to work with the local mortgage department in Carmel CA when my exhusband divorced me and took my cash and equity. I just needed a little loan modification until I could get back on my feet. I dealt with Carolyn D in the local office. She strung me along until I asked for the new JP Morgan Chase program that was to help home owners modify their mortgage. I faxed documents to WAMU Dec 9 2008 for a loan modification. I re-faxed the same info, per Shelly's request at WAMU on March 14th, and on March 14th in the evening I refaxed updated docs per Greg's request.

I have asked for Doreen M to call me about my status, she is the reviewer. I am trying to avoid default by being on the offense verses defense. I have no other debt but my home loan and equity loan. I have excellent credit. All I want is to have a dialog with the reviewer, if they can't help me they should just tell me so I can make other arrangements. I am being forced to go into default when this could have been avoided.

I am being forced to go into foreclosure, to lose my good credit rating, and I am suffering emotional stress since I am not being given the time and respect that I need to work out my problem with the bank. I am a pawn in their game, they just want to string me a long for as long as they can. They never inteded to help me. Once I go into default then I will be worth their time, but for now they are cheating the law by their bad behavior. I am being responsible and trying to work it out with the bank but they are truly unwilling to meet me unless I first go into default.

I had a loan modification right through my mortgage company last Sept, Washington Mutual (WAMU). I hadn't missed or been late with payments, but I was looking at falling behind because I was spending thousands in medical care for a newly diagnosed incurable chronic illness. I thought the modification was the answer to my prayers.

I paid my payments every month, and received a letter at the end of January saying I was several payments behind. Shortly after my modification WAMU was bought by CHASE. I called WAMU, who is still handling the loan, and figured it was a simple error. They hadn't credited one payment to my account. It is now March, I have not missed or been 30 days with a payment since I've owned the home for 11.5 years, but apparently my house is now going to foreclosure, because they are still not crediting my payments.

I have continued to make the payments, have called WAMU repeatedly, & no one will straighten this out. I have the documentation for the modification, monthly statements, payments deducted from my bank account, yet my house is going to be taken? I can't afford an attorney to battle this, so I sent copies of all my documentation to 3 local news stations & ABC World News praying someone will pick up this story. I have received one back with a couple of phone numbers, and have yet to hear from the other 3.

I am too sick, too tired, and too broke to fight. If one of these news stations don't pick this up, I have no idea what to do, other than continue my payments, and attend the foreclosure hearing, if I even know about it. Present all of my documentation to the judge and hope for the best. I have filed a complaint with the BBB, but I am sure they have a lot of complaints, & are probably not answering them because they have a D rating. I happen to be in a mortgage nightmare through no fault of my own, and can't seem to get out of it. Stress is no good for my health condition, and I am nearing the point of walking away to save myself rather than my home

I am spending the little energy I have trying to save my home. This is detrimental to my health. I have spent money making copies of all documentation as well as postage, that I can't afford to be spending. This is making a serious negative impact on my credit.

WA MU has foreclosed on our property 2 times when we were in negoations with their loss medigation department. I have been working with them for 12 months to get a modification agreement on 2 residences, something that should have taken 30 to 60 days at the most. One was completed finally in Oct. 2008, the other one they kept coming back with denial and asking again for update financial information. I have provided this to them 3 times along with a hardship letter, of which I really don't think anyone reads or cares about.

I was laid off work in 2006, my husband has had 4 strokes and is on diability and unable to work. I finally started working in July 2007 full time and then in Nov. 2007, had to go part time as I work in a business that is related to the real estate market. In Jan. 2008 we started delivering newspapers to make extra $$ and did that for about 6 months until I was hired back full time.

In Sept. 2008, they forclosed on the house we live in when we were in negotiations with their loss medigation department. The foreclosure was recinded in Oct. 2008 and then we continued with the loss medigation department. Thank goodness we had hired an attorney to work with us, as WA MU is ruthless to work with on your own. We were offered a modification in Feb. 2009 for this property, with a very high (downpayment) whatever that means in thier mind. We were offered this at 3pm PST and had to give them an answer by 5pm EST. Well we all know that is not possible considering the time difference. We notified them that we would not take the modification and were informed as well as my attorney that we could reapply in 30 days for another modification. This was also when the great Obama stimulas plan had just come out and we wanted to see what difference that would have on the situation. Well it didn't have any!

So I called WA MU on March 19, 2009 to ask for a new modification package to get this rolling again, and was politely told that the property was sold back to the lender on March 2, 2009 and there was nothing we could do! Once again, with in the WA MU structure, the right hand does not know what the left hand is doing. My husband and I are not of the group that bought over our heads, this property was inherited and do to circumstances beyond our control, we have ended up where we are. We are both in our 60's, have worked hard all our lives to be homeowners, and should not be facing this type of financial disaster that we have in front of us. This last sale was done in 5 days, no mailing, no publishing and no posting! Go figure how this lender gets away with this type of action. How can they treat their customers this way? If we all ran our businesses like they run theirs, we would not have any customers.

Washington Mutual keeps calling my mother about a mortgage in my brother's name, they want to speak to him, they want to know who will pay the mortgage. He has been dead since July 25, 2005. He did not own a home and lived in an apartment. I can only assume that they are looking for some other HENRY. My mother only speaks Spanish and I keep telling her to have them call me but she gets nervous because someone is calling ALL THE TIME about her dead son! Can you help us?

I have tried to call the number that registers on the caller ID, but I cannot ever get to a human being, because I don't have whatever account number they are calling about, and when I tried entering his social security number it doesn't work because he does not have an account with them. She thinks that the address that the man keeps saying is 6190 West.... but she cannot tell us the rest (she is in tears by the time they get to the rest).

My mother has cried every single time they call. Then when she stops, she calls me and cries some more. I am getting really upset with Washington Mutal and want this to stop right this minute. What do I need to do, get an act of congress to stop this? Or get an attorney and file charges for harrassment.

I purchased a home for 400.000. The proprty was listed at $569k prior to my purchasing the home. WaMu is collecting taxes based the higher amount. I have tried to get them to make the change.They refuse saying that is the amount that the county has placed on the property. I have a letter from the county showing that amount of the taxes is $5020 per year. I sent the letter to WaMU. Still no change. What can i do. I have thought about just paying the p&i and paying the taxes and ins on my own.

The amount of the monthly payment is 41% of my net income

We have WaMu (Chase) for a mortgage company I have my payments up to date. So we thought. About 14,000 later they are still telling me I'm behind. All the money I sent was placed in a holding account that made us get late fees. I went without a statement almost half of the year last year but I sent them the regular payment. My husband got a letter saying he was 3,000 behind, so he called and talked to them to find out why the payment more than doubled. We needed to catch up or the house would be foreclosed.

They let me make partial payments to get it caught up. At the beginning of this year they suddenly would not do the partial payments and sent me a check back and said I was behind even more. I sent them a hardship letter with all the required information (they asked for on their web page) they needed over a month a go. Over the weekend they sent a payment statement saying that we are a month behind again.

Every time I call I get a different person thats rude with different stories. We talked with a HUD counselor, and he was a big help. I did everything he said to do to save our home. I don't know what to do. I feel they are making it look like we are behind so we don't qualify for the mortgage help, and they ruined our credit to find a new loan company. There are six of us living in this house and I used all my money to fix the mortgage so we could stay here. I have nothing to even get an apartment. We couldn't afford it any way because my husband was recently laid off.

We are currently looking to refinance with a different company, but because of the credit issues, and WaMu pulling stunts like they did, I fear it will be almost impossible to get a decent loan

we fell behind on a payment and we asked for help we where told to send bank statement income and hardship letter we did 8-26-08 we got calls every night we told them we sent in all paperwork they inforemed us that a jennffer b was taking care of it we went on this for 4 mo we get a letter in the mail saying she will contacted us in 45 day we got the money together to caught up on are payment and still need the help we get a letter saying a payment was going up starting apirl 1 09

we called agian they are still working on it we get another letter saying we are diend because the paperwork is not current and up to date and that they changed companys and that we don't make enough income to Qiulfly for the modifcation loan please help us we don't want to lose are home we have two kids a 14 year old with sma type 2 getting ready for back surgery and a 2 year old with only 2 heart value and is getting ready for a heart surgery please find it in your heart to help us out not only are we stress on are kids we have to deal with wamu that don't want to help

On January of this year I was late in my mortgage payment for the first time since I've held my mortgage with WaMu. On February 7, a payment for my overdue payment and for the month of February was made via telphone authorization with one of Washington Mutual's employee. On March 8, I received a call, person calling left a recorded message, for me to call about my mortgage. I returned the call on March 9 at 4:33 p.m. During telephone conversation, I inquired the reason for the call, since I was within the grace limit period (15 days) to make the payment. The employee told me that this was a "courtesy call".

I then asked if WaMu calls "ALL" its mortgage holders to remind them of their payments. To this the employee stated that they do that frequently. I told the employee that I do not need for WaMu to call me about my obligations and that they will receive the money for the mortgage between the 13th and 14th of this month. I asked her if I am going to start getting those calls because I believe they should not harrass people that way if under the terms of the contract the payment is not overdue. Since then calls keep on coming at least 2 times a day (which I've chosen to ignore). I made my mortgage payment for March on March 14 at one of WaMu's branches. I tried calling but, per their recording, their offices are closed over the weekends.

Much to my surprise, there was another message to the effect of "collecting a debt" last night 3/14). Again, this morning I get another call from WaMu and their rep is telling me that they have not received the March payment. I told him that he needs to go to their computer system and check before they make such calls that are becoming harrassing in nature. He told me that their systems do not show any information for at least two days, I told him that that was not my problem and stated that according to the documents in my mortgage contract, payments made during the weekend when the due date falls on a weekend,the payments are due on the next business day. This does not make my payment late. I asked then what the reason for the call was and he said it was a "courtesy call" to which I replied a "courtesy call" for what, since the payment has already been made. I added that I do not want WaMu to call me, I know my obligations and I do not need them to remind me constantly through harrassing calls. Can they actually do that? By the way, I asked the rep to record the phone call.

I sold my home, that was awarded to me during a divorce, in November 08. The title co sent your co all paperwork from the courts that all monies would be sent to me. December 08 the automatic withdraw for the second mortgage was taken out of my checking account. I phoned your company speaking with Alex who informed my my check should be sent to me within 2 weeks at the new address I had given her. Three weeks later I phoned and spoke with Dante who informed me it was mailed to the new address.

the check was sent to my ex husband (David T)in Florida. Penny informed me no matter what she would call me back with in 5 days to inform me of the whereabouts of the check and if it had been cash. She never called.

After three phone calls to get my money back your co sent it to my ex husband. I called three weeks ago and spoke with a Anthony C. who informed me that he would send me a copy of the check so I could see if he had cashed it with my name on the back. I have gotten nothing from your company nor has anyone called me back. I will never use your company again for a mortgage or anything else. I do have a checking account with your co which will be closed shortly. I would like to have a copy of that check that you took out of my account that my ex cashed. I will be bringing charges against him if my name is signed on the back of that check. I would like for someone from your co to reply to me regarding this problem.

On 2/18/2009, I've received a statement from my mortgage company stating that they've never received my payments. Thinking that it was a mistake, I first contacted my mortgage company and they confirmed that no payments had been received. Mortgage company employee also told me that if the payment is 30 days late, they will have to inform the credit bureaus.

Then on 2/20/2009 I called WAMU customer service and through the phone system, I've connected to bill pay department-CONFIRMATION #.

I've waited for several hours and still no one called me. So I called WAMU bill pay again and spoke with another representative (because everytime you call, you get someone else). She told me that a "third party" company has been informed about the missing payments and they should contact me within 3 to 5 business days but in the meantime, they will be contacting my mortgage company. Seemed to me that this problem was being handled like a routine issue and it did not matter to WAMU that I was out of $3135.71 and because of them I was late paying my mortgage. What's worse, it was almost a month since the money was missing and if I did not pay my loans within 5 business days, it was going to be 30 days late and negatively affect my credit rating. I asked to speak with a manager and was transferred to X5029. Manager, I think her name was Aaron, told me that since they are in the east-coast, this "third party" company was closed already but she assured me that first thing on Monday morning 2/23/2009, she will talk to them and call me back.

I've waited again on 2/23/2009 to hear back from WAMU or their mysterious "third party". No one called. About 11 am west-coast time, I called WAMU again and asked to speak with the manager at ext. 5029. I could not speak to her and left message in her voice mail. She never called me back that day.

Then on 2/24/2009, I called WAMU again and asked to speak with the manager (Aaron); customer service rep said she will connect me with another supervisor name Diana. I then spoke with Diana and pretty much begged her to resolve this problem, either get my money back so I can pay my loans or get in touch with mortgage company directly to get the money to them. She said if I request my money to return to my account, they will not pay $16 late charge fee my mortgage company imposed and WAMU will not get involved in explaining that payments were mailed out but apparently lost. Basically, if I decided to have my money returned, WAMU was not going to take any responsibility for this problem. Stuck between rock and hard place, I told WAMU to resolve it so I am penalized. Diana said she will get in touch with "third party" company again. Again no one called me back on that day.

I called again on 2/24/2009 and this time spoke with supervisor Jason. He said it appeared that put stop pay on these two checks and funds will be transferred back into my account by the end of business day on Friday, 2/27/2009.

Today,2/27/2009, I checked my bank account and no funds had been returned. I called WAMU again and spoke with manager Jennifer S. She said according to their file notes, no stop pay was issued on the checks and this mysterious "third party" had called my mortgage company but they would not speak to them because I did not give authorization... I was extremely upset and told her what Jason had tol me few days earlier. She said there is nothing she can do but to put a stop pay on the checks now and I have to wait 3 to 5 business days for my money to be credited to my account!!!! I asked her why didn't this "third party" call me at the same time they called my mortgage company to obtain my authorization....again Jennifer did not know the answer. I asked her what happened to the two checks to my mortgage company...NO Answer!

I want a written explanation from a WAMU official as to exactly what went wrong here. Why my two payments to Nationpoint dissappeared since January 26, 2009? Since bill pay confirmed that these checks were not cashed at all, why over a month later I have not been credited the $2515 and $620.71 back into my account? Why did this "third party" representative who supposedly contacted my mortgage company didn't call me at all?

I don't want to lose my house. I got a forclosure notice in the mail just a few days ago. To my surprise my husband I have to pay back a $14,000 + attorney fees? Why cuz I lost my low paying full time job! We were only on 1 income. My husband did the part of the paperwork like they suggested, so we mailed in their paperwork...guess what they LOST IT. so now we didn't know what was going on until now? We sent in the papers in December. Now WaMu says we will contact you within in 30-40 days. thats too late, we would lose our house by then.

Oh, well I guess we'd have to keep calling WaMu everyday and hound on them to take action. I am not going to lose my house, not in Hawaii. I got a new job, just temp, but it's part time. By now we are trying to see how we can come up with $14,000 in a few months....unreal! We are making calls and contact anybody else we know that can help us reduce the amount, modify the mortage, cuz the amount kept going up and up and up and soon, it was getting out of hand each month. We scrimped and tried to save, but living in Hawaii is expensive and at times it was hard. I'm just scared of what will happen with our mortage? I guess we'll prabably be homeless and become another stastistic..all because of WaMu. They spent $$ on those commercials.

I am so worried and haven't told people in my family on what's going on. Im ashamed to tell them. no one in my family has lost their home..ever! So, we get penailized just because I lost my job in September, and we knew we'd be late on the payments. But, we thought it was taken care of when we called WaMu. We had confidence that WaMu took care of things, but I guess we were wrong now they are sticking us with a forclosure.

JP Morgan has a attorney in Hawaii, so now they are not kept in the loop of things and they knew nothing about what WaMu was doing. So,I called the attorney's office and gave them some news and they are now aware that we are trying to make progress and sense of this whole mess. Is it our fault we live in Hawaii that we don't have a local office here. I tell you the next company we deal with will have a Hawaii office to help us deal with this and that we can meet people eye to eye. makes me so mad.

Amount of mortgage loan was changed/adjusted upwards by approximately $100.000 per month in January 2009. I have the set amount of approximately $1,500 programmed into my bank's computer and sent the payment as usual in mid-January before the due date. They put this money in a suspense account, did not apply the payment, never advised me and reported me 30 days late to the 3 credit bureau's in February. I fullfilled all money due at the new higher payment amount plus all late fees in February yet they claim they will not retract the report of late payment to the credit bureau.

My credit score declined by over 80 points and it will take up to a year to get this off my record and I am in the market for a new home, this is putting me in very difficult situation, all for a measly $100.00, I have many obligations but have never been late nor defaulted on any loan and I find their action wholly unjustified in the current market and I would like them to retract their action with the credit bureau.

good luck to you.

I bought my house in April 2007 and put down 15% and had a mortgage of approx. 367,000. Things were going well until all the problems in the morgtage industry started to happen for I was a mortgage broker and am directly effected by the demise of the industry. My original loan was with People Choice and with in 3 months was sold off to WAMU, i was makeing payments and then start to fall behind, I also could not pay my past taxes and life went on .I tried to make up the difference and things in the mortgage business got worse. It was like you went to work on a Friday , opened the the store closed the door that night and came back on Monday and the business shut down, was gone poof!!! I was more into commercial side of the business and it to went poof!

As a result I started to get futher and futher behind, around Sepetmeber 08 I start to talk to WaMu about a modification they were at first helpful but later on it became a nightmare and a guessing game. After i was approved , the girl told me to just do the mod and worry about it later so what choice did I have . From that point on I never was able to talk to the same person, I was never able to get a straight answer and was bounced around to 8 different people , giving me different stories. One of the biggest issues that i had that i was never given FULL disclosure of the new loan amount and the equity that they were eating up $50,000 plus , to this day I have never gotten disclosure , all I know is that my payment went up from where it was by 3-4 hunderd dollars a month and my rate went down by about 1.5 % I also went to a fixed note amount , I waited til the last minute to make my decision for I could never get the information I requested.

One day i got a call from WAMU and the man on the phone said to me send it the paper work TODAY or I will put you in forclosure, he told me they had to have it post marked today !! so with that I ran and had it noterized and sent it off via fedex, still with no idea where the money was being disperced to , that night I called again and the lady on the other end said she would send me the disclosures again , never got them .. I do't know if they paid my taxes and where the other money went . At this point I am behind again because the payment went up and I am going to try to find a way to save my house, I was approved again for a mod, but they wanted money upfront, which I was unable to get so at this point, I dont know what to do . I feel that I did the original modification without full disclosure and by the way i am still getting letters from the first lien holder People Choice, so who really know what happened, who really OWNS the note... all I can do is get an attorney and fight to keep my house. These Modifications are a joke all they do is help the bank not the people

Mortgage for home with Washington Mutual. Have been trying for over two months to remedy problems concerning payment. Mortgages payhments have been made from two accounts: Business account with Chase (WAMU's Parent Company) and one other personal account. WAMU claims they did not receive certain payments. At WAMUS request faxes were sent to WAMU for them to investigate.Additional fax (same as original) were sent by the branch manager at Chase to WAMU requesting answers. Included in each fax was documentary proof from my bank accounts that in fact the money for the mortgage was sent AND each bank provided documentation that the funds were received by WAMU.

In spite of WAMU claiming they have opened investigations via their moneyh tracking division, no answer has been forthcoming except they are working on it. I have reqested several times thaWEAMU fax a letter to me indicating the account was current. This was needed as we are renewing auto leases and in today's times they auto supplier (Saab and Lincoln)insist upon such a statement).

Credit affected as auto lease firms have not recieved statment from WAM as requested. Saab the supplier of my wife's vehicle is requesting the car be returned. Both require a car for business. The situation has taken hours trying to get response from WAMU, severe stress on both myself and my wife requiring medical attention and medication.

I have been working wiht this ban for 2 months to reduce my interest rate. Stop my negative ameritization. Today the incerased my interest rate to 6.875 $3950.00 The vaule in my house has dropped. I tried to sell got a qulaitfied buyer for $629,000.00 but had a $16,000.00 pre-paryment penalty and they would not accept my offer of $11,000.00 of the pre-payment. I have always been on time never late with my payments. I was told I make too much money to refinance or reduce my rate.

I can not instantly change my payments form $2690.00 to $3950.00 per month. I am planning to walk away from my home. I simply can not do this any more.

I have had a mortgage with WaMu for fifteen years. My mother became terminally ill with brain cancer and I dropped out of college to care for her in her last months. I also was not working at this time. I became 3 months behind on my mortgage payments. I called WaMu to make a $2,100 dollar payment and get completely caught up with my mortgage. They refused to accept it. They stated that 2 days prior to my call, they had put my house in foreclosure and I needed to pay over $5,100 to keep it. That included the 2,100 I was behind and attorney's fees for an additional $3,000. I was never notified of the foreclosure or anything. The only reason I had heard of this was because I called to make a payment.

I cannot afford to make a $5,000 payment to WaMu. I had scraped the originial $2,000 together from student loans. I have found a new job and re-enrolled for my last year of college, but I'm only making $7.15/hr. I'm a single parent with 3 children, working and trying to finish my degree. Is there ANY way I can just make my house payments? I'll lose my house if I can't. Is it right for them to charge me excessive attorney fees when the lawyers really haven't done anything that I know of? I haven't been served, no paperwork has been sent to me. Nothing. No notice of possible foreclosure, I hadn't received anything from an attorney or from WaMu/Chase. I cannot afford to lose my home.

I am a mortgage loan officer & due to a sporatic year with all the changes had multiple months with no commission & fell behind on my mortgage w/ Wamu, this mortgage was a Long Beach Mtg opened 8/2006 @ a Predetory lending rate of 9.20%, I sent in all of the required info to request a modification in Oct of 2008, @ 90 days behind on my payments.

Received a packet in the mail randomly (no calls, nobody from Wamu reached out to discuss the terms) January 8th containing my approved modification docs lowering my rate to 6.55, ONLY IF I SEND IN A REQUIRED CASHIERS CHECK BY JANUARY 16TH IN THE AMOUNT OF $2500 TO COVER (And I quote) This amount includes charges for the modification fee and necesary advances including but not limited to recording fees, attorney fees and costs, returned check fees and late charge fees, if any. Additional sums may become due as a result of the timing of this letter and Agreement. Nothing in this letter precludes our collections of additional advances. AND A pmt of the new mortgage amount of $1,598.75 before Feb 1st. SO, they want over $4,000 from me to modify my mortgage to terms that are still not affordable & are setting me up to fail once again.

This Agreement was sent to me DIRECTLY from Wamu, I did NOT use an intermediary party to request the loan modification. Also, escrows were not added, despite the fact that I am currently 2 yrs behind on property taxes as indicated in the FULL financials sent in when the mod was requested. I also was being asked for my 1st payment to be Feb 1st 2009, this date was never discussed with me nor agreed upon & agreeing to a pmt due on that date was IMPOSSIBLE, as I do not have commissions (income) coming in until the end of February.

Thus this agreement was not only IMPOSSIBE, If I had $2500, I would have PAID MY MORTGAGE. But also is setting me up for yet another failure both with the lack of escrows included AND the timing of the 1st payment due on the agreement. A VM was left for the negotiator on 1/14, (2 days prior to the deadline to send in the signed paperwork) explaining in detail the above. NO RETURN CALL EVER RECEIVED. Today is now 1/30, Monday I will be another 30 days behind, now at 5 months, sent in my request in early October 2008, & am being asked for an exuberant amount of modification fees from MY lender?

My understanding was that if I went DIRECTLY to my lender / servicer they were not able to charge these fees for loan modifications. This is why I went to them dorect rather than going through one of the attornies/ companies offering the service. I do not have this $$ to PAY to have this completed, again, if I did I would have paid my mortgage payment.

I am now 5 months late on my mortgage, fees continue to accrue & collection calls were NON stop (until my home phone was shut off) My family does not have $ for food, due to lack of commissions & an unemployed husband, being required to pay $2500 + a 1st pmt at the new terms of $1598.75 all within 2 weeks to get my mortgage that was a predatory loan to begin with lowered to an affordble rate /pmt should not cost me 4K to do.

Again, if I had $4,000 just lying around OR was able to borrow this $ as the rep on the phone told me to. I would not be in this predicament to begin with as I would have PAID MY MORTGAGE. I Have all the documentation to support this claim, as I was not able to sign the modification paperwork & send it due to not having this $ Wamu required from me to secure this modification

This month, 3 payments were taken out. Her comment Why are you just inquiring now, you have been with us for 10 years and never inquired before. Well, I was charged $99 in fees because the third payment was not in the account after paying two payments and frankly, I do not remember 3 payments being taken out of my account ever. It was not until I looked at statements again and was able to see a cycle showing 3 payments required. Any case, this woman did not have the right to respond to me in that manner.

Probably, nothing will happen with this complaint, but there needs to be some training for workers on customer service. The young gentleman at the desk was very helpful and sensitive, but the woman in the mortgage dept., she had to be one who answers phone inquiries was wrong. From the location above, the mortgage dept. was contacted.

WAMU is requiring us to increase our flood insurance to match our home owners insurance coverage on a heloc loan on a home where they also hold the first mortgage. The home is and has been continually insured for more than the loan balance. They also force placed flood insurance, apparently mixing up our file with another customer with the same name. They eventually cancelled but have not refunded the premium which came directly from the heloc account. We have discussed this matter with many representatives of Washington . They say they will straighten this out but they just send another letter restating their position, stating it is their policy, a policy which does not appear in any documents we signed when we took out the loan. Our loan is current.

The insurance increase premium is about $100. My husband suffers from hypertension and is visibly shaken when he has to talk to the customer service personnel who are unable to help us. I fear for his health.

I went through a divorce in 2000. I kept the marital home. It had a $146,000 mortgage on it, with my ex as the primary borower, and me as the co-signer.. I dont' work and still don't. He signed the title to the home over to me. That is in my name alone. The mortgage was bought by Washington Mutual and his name and mine were both on the mortgage for quite awhile after the divorce. And, the mortgage loan number was the same as the one assigned to us when we first got this loan from another institution.

Suddenly one day I notice that I have a new loan number and that his name is not on the statements anymore.. Just mine. I never did a quit claim or refinanced the mortgage. I called them after noticing this and spoke to a woman. She said this was done awhile ago and she had no idea when or why I was assigned a new loan number! I gave up.. Since then, they sold my mortgage to Wells Fargo. I don't talk to my ex husband and now I'm wondering how he managed to get his name off this mortgage! I kept the loan which is at 6 3/4% since I did not want to be totally reponsible for repaying if I were to run out of money. I could have refinanced at a lower rate if I had only been notified of this! I am still trying to get WAMU to give me the hows and whys of what took place! I am so angry that I was not even notified! And why the new loan number? What's up with that??

I still have a 6 3/4% interest rate and I don't even know if I will be able to refinance since I have no job and no alimony coming in. I'm 62 and live off a small pension and now SS which is only a bit over $700 a mo.

In March of 2008, Ms. McKissick contacted me by phone and asked if a loan modification would help. At the time, I had an adjustible rate mortgage with a payment of $1114.20 a month. It is important to note, the rate had not adjusted. She stated, while the loan is being modified, you do not have to worry about making payments, I accepted. A few weeks later, the Loan Modification papers arrived. I was instructed to sign and send a money order in the amount of $95.00. When the papers were returned, they showed a payment of $707.09 as of May 1, 2008. Apparently, the time it took to modify the loan, WAMU took upon themselves to report my payments as being late.

I have lived in my home for 23 years. I have mortgage it several times. I have never been late or missed a payment since I have owned a home. I am sick and tired of loan agencies being allowed to take pen and ink to paper and ruin the lives of families. The incorrect information which appears on my credit report is preventing me from getting rid of this ill-fated loan. The agency that initially set this loan up,the State of Michigan have shut them down. I am now sueing the company and according to my attorney, whoever purchased the loan, purchased everything that comes with it. In my opinion, WAMU should be taken to task for the hardships they have brought upon families. If anyone knows of a class action lawsuit, please forward the information tto me.

I applied for a VA Loan and I was ask to have Ms. McKissick to write a statement concerning her comments about the mortgage not needing to be paid during the modification process. I contacted WAMU to address the issue, however, Ms. McKissick is no longer employed there and they have no clue of where she is. I am a 65 year-old widow. I am not able to go through these stressful situations. I have documents to prove all allegations.

I recently sold my home and I cant believe all the fees added to my closing and payoff balance. I was sad to sell my home, but extremely excited to get out from under Washington Mutual Home Loans. I have been going back in forth for years about outrageous fees [they] charge customers. When I went online to see who else I wasnt shocked to see hundreds of people have had the same problems. [They] state that I havent paid my mortgage since October. I have check numbers and days [they] cashed my checks in November and December. [They] state my property taxes werent paid, so put that on my closing. When paid those out of escrow in October [they] tacked on hundreds of dollars of late fees. When I pay my mortgage late, I always add on my late fee. So how is that possible?

When I have have called WAMU mortgage I dont get the same person twice. There are no contact people who you can talk to. Chances are when you call back, there is nobody by that name. I paid my late fees and my back payments in March of 2008 in the amount around $5,000.00 to bring my loan current. It only took [them] a month to start holding my checks again. Every time I made a payment [they] held it up until a week after it being officially late (the 15th). Then slammed me with a late fee. Which then I added that fee to my next payment. .

As far as the Escrow, I would have a positive amount if [they] actually did what [they] were suppose to do when I refinanced my loan. That was to have my property taxes taken out of my payment. Of coarse that didnt happen. I would like an explanation on all of these charges: Recoverable Balance of $580.00, Other Outstanding fees of $10.65, Payoff statement fee of $30.00, Reconveyance Fee of $45.00, late charges of $319.22, Interest to 1/23/09 of $4,095.54, Escrow/Impound Overdraft fee of $1,817.77. And why are you charging an interest of the payoff of $216.96?

Are all these fees [their] way of ripping off the customer. I want refunds on the payments [they] said I never made. Refunds on all these Misc fees [they] are asking for.

Washington Mutual hold the mortgage to my home my husband and I recently fell into some hardtimes due to economic conditions he lost his job and also had medical prblems are income was impacted significantly. I contacted WAMU to inform them that I could not afford to make the 2mos that I was behind in my mortgage they offered me a modification in which they stated that they could put my past due payments on the back end of my loan.

I paid $1800 in processing fees for the modification only to find out just recently that they never modified my loan, I continued to make payments as I could and communicated with WAMU reps who had no idea what they are doing. I recently asked for another modification because the rep assured me that it would possibly save my home I submitted paperwork in 11/08 its now Jan 2009 and they keep telling me the same old thing their still processing my paperwork in the mean time we have received a forclosure notice and are planning to vacate these people won't give you a straight answer they just want you to continue sending them $$$$ with the intentions of taking your home. Wamu is scamming decent hard working people and there is no one to hold them accountable!

Somehow, WAMU cancelled an auto-pay that has been in existence monthly, since 1991. I did not catch the problem until several months later when they posted FORECLOSURE notices on each door of our 4-plex. There was never a phone call, never a certified letter of notice, nothing except a letter amongst all their solicitations for their credit card--which I never open. (I have REPEATEDLY asked to be remove from their junk mail list--one must enter the bank and sign off on it.) Is that LEGAL? I'm handicapped--I seldom get out of my car.

At any rate, once I discovered the payment problem, I immediately covered the original oversight. However, WAMU returned the check because the late fees were not paid--THEY CALCULATED THE WRONG LATE FEES--but failed to notify me of the corrected amount. I could go on and on--they eventually notified me of the FORECLOSURE SALE DATE--inspite of the fact that I was then current. WAMU is spread out all over the country, each location serving a different function. No one knows what another department is doing since the employees really cannot contact the managers needed to track down problems.

WAMU thus far insists I pay all the attorney fees, foreclosure fees, recording fees and all that they did to begin the foreclosure process. I was compliant from the very beginning. There was ALWAYS several thousand dollars in the account from which the mortgage SHOULD HAVE BEEN DEDUCTED. WAMU has never been able to give me the reason the payment stopped--other than the computer occassionally kicks out a loan payment. In this instance the foreclosure process was started on a property that had already been paid off 80%.

I sent two month's mortgage payment to WaMu. Instead of putting towards the two months it was intended for, they put in on other aspects of the loan. As a result, I keep getting calls concerning being late on payment. Although I have been assured corrections to my account is being made, I continue to get calls and certified letter.

Extreme emotional damage!

i purchased a lot with 2 houses, one of which i found out is illegal. i feel it's appraisal error that wamu chose to loan money on. the septic also shouldn't have passed escrow. county is requesting one house be converted back to a garage and septic fixed.

meanwhile i only have one house left on a huge loan. both wamu and i were cheated. i want wamu to lower the principal to a rate i might have paid for one house since that's all i have. they denied my application for modification and didn't really say why. like i said we are both victims in a way but i don't have deep pockets and am not able to pay for what i did not get.

For months now, weve been trying to reach someone at Washington Mutual to work out our mortgage situation. However, especially since your banks purchase of our mortgagor, Washington Mutual, we cant seem to get more than an 800# and form letters never offering help; 100s of clerks who dont know who their supervisor is nor care about our situation; and all unable to provide advice or getting specific as to what we can do - making the situation worse by the day. [And yes, we have filed a 2-page form to their/your Loss Mitigation department.]

We would like your help in lowering our rate so we can make our monthly payments. In this fashion, both your bank and our family win.

WAMU has refused to aknowledge my flood insurance, which has been adequate for over 2 years, and remains adequate even with their new higher coverage equirements. I have faxed the dec. page to them twice and my agent has faxed it to them twice. today, I received my statement, 2 weeks prior to the autodraft and WAMU is going to charge me 350.62/month for forced placed insurance. $3506 for the year: TEN times what I paid AAA for my current flood insurance.

The WAMU loan is an equity line. The main mortgage is also with WAMU and there is no mention of any problem with flood insurance on the first mortgage statement, only withe the WAMU equity line. Both loans are listed on the policy declarations page. I believe WAMU attempted to stick this flood insurance on the LOC becauuse it is a variable rate and would probably just blend in, since the payment varies each month. Ironically the payment is only 160 per month, which is why I noticed the 350 add on right away. Anyone with a higher monthy payment may not notice the extra charge, or may just assume the rate went up.

I sent in modification papers towards the end of September 2008. I called several times in October and they had received the paperwork October 1st. I called back in November and our file had been assigned to a negotiator the first part of November. I had my husband call today Jan. 5, 2009 and they told him the file was just assigned to a negotiator Dec 18, 2008!

I called them back and talked to Kimberly and explained the situation and because there wasn't any notes in their system, which I know there were because everytime I spoke with someone they said they were putting notes in the system and I could hear them typing. I told her again that our file was assigned to a negotiator and how would I know that they were called a negotiator if I hadn't been told that our file was assigned to a negotiator. She continued to repeat that there wasn't any notes and our file had been assigned in December! Finally I told her I hadn't made Novembers payment and Decembers payment and I'm not making Janurary or Feburary payments until I hear back from them about the modification.

In my case, I don't care what the outcome is because I will just file bankruptcy and in 2 - 3 years buy another house when the housing market is good again. I'm not thrilled about having a $1700 house payment for a $800 / month house. I work hard every day as does my husband and we deserve to own our home but it's not going to be like the way that WaMu wants it. I don't want to pack my family and my belongings up and move and start over that's the last thing that anybody wants to do so I am giving WaMu 2 more weeks to let me know their answer before I do pack up.

So I got nowhere with WaMu and she said that I should hear from them by Monday the 12th and I guess I will have to wait and see what they have to say. You would think they would want to work with homeowners by lowering their payments - they still get their money and the homeowners have money to pay their debts and maybe spend a little to boost this economy. I guess WaMu / Chase wants to own all of their houses and then go out of business like the rest of the banks that have failed because they won't have any cash flow when the right number of homeowners walk away from their homes!

There is so much stress because of this mortgage crisis. We have 4 kids and all of our other debt it's just crazy! It keeps my husband I on edge every day all day long and it's hard to enjoy life or your home when you don't know what to expect every time the phone rings or with every knock on the door. WaMu - have a heart and do your part to keep hard working americans in their homes that they deserve!!

Washington Mutual bought my mortgage from my original lender five years ago. For the past 5 years, I have been mailing my mortgage payment to WAMU around the 9th of the month. Although the official due date is on the first of the month, because of the pay schedule of my employer, I can't mail the check until a week into the month. Well, I could send it earlier, but it may bounce if WAMU received it too early and cashed it immediately.

For five years this has worked fine. But in the past three months, I have been charged for two late payments. They have been sitting on the incoming check and not cashing it until one day after the grace period (which ends on the 16th each month.) I would love to know if anyone else has noticed this pattern recently, where they just happen to receive your check on exactly the 17th day of each month? If there is a pattern of this happening, I think a class action lawsuit is called for!

In september I wrote wamu stating that I was not going to be able to make oct. or nov. payment. They responded that ther was nothing thay could do. get this,becouse I was currant! OK I know how to fix that. due to changes at work and some high vet and doctor bills / five doller a gallon gas plus I had to pay back a personal loan to a relitive before the end of the year I havent made a payment in three months and january doesn't look good.

I get calls from wamu everyday from different locations. the left hand doesn't know what the rihgt hand is doing. all the phone people just ask the some questions but have no answers. I owe twice as much as my house is worth 09 is going to tank even worse, I can't wait 15 years to break even. I can rent a house like mine for half what wamu wants/if im not building any equity aren't i just renting. Ican save about 17000.oo a year renting some where else. wamu can't scare me with threats. Iwish that they would make me an offer to modify just cuz I'd hate to pack all this stuff/but to get out of this mess and save 15,000 a year yea i'll move

I will tell you this I started my longer journey to get a better mortgage rate approx 18 months ago and i went into their branch offices and inquired.I was told that there is nothing they can do for me.Maybe sometime in the futre.I do have 2 loans for the house I live in,both are fixed but at high rates.I have heard that as long as you make your payments on time and you are consistant in this manner you will never qualify for a revision in the rate you pay.I totaly belive that.You have to become a bad guy you have to start to skip perhaps 2 payments before you get their attention.There are numerous firms that charge a fee and state they will do the talking to the bank for you,I have heard that there are companys that help consumers and do not charge for assisting in communicating with the bank.I would like to know who they are.

The struggle goes on to make the payments.

I got two late notices today from my home mortgage bank which I pay via WAMU online banking. Both payments show that they were sent on time AND my balance reflects that both payments were cleared. I called WAMU customer service to get the date that both checks were cashed so I can give that information to my mortgage company. I have NEVER made a late payment and I DO NOT want screwing up my credit.

Well, the customer service reps says that even though my balance shows that the checks have cleared..they really haven't. I am told they will have to look into this to see why it is deducted from my account, where the checks really are, etc, and that they will pay the late fees. I DON'T CARE ABOUT THE LATE FEES. I want to know 100% that you make sure my credit score is not screwed up AND I want to know why you show the checks as cashed when they really aren't. I am FURIOUS!

We just put an offer in on a house and both have credit scores in the HIGH 700's. Late payments on a mortgage will not only mess up our credit score but will cause major issues with the bank we just got approved on a new house for.

For homeowners with Mortgages at WaMu including those in foreclosure as a result of their mortgage having been sold to WaMu as a home loan of some kind should note that the system of handling forclosures at WaMu was nearing a type of "melt-down" 9-12 months ago. Yet their process for taking ownership of my home in a very short period of timed by WaMu not because I was not willing to pay my mortgage. I wanted to make payments yet they returned my checks to me after a certain point. In less than 5 months Washington Mutual had taken ownership of my home of 13 years.

The inefficiency of both WaMu and this Loan Servicing corporation has facilitated the elimination of my home from my life and made me homeless. These two companies have essentially wiped clean 20 years of my investment portfolio from the time I seriously started saving for my first home to the point to when I was forceably evicted.

Where do I begin...it's been frustrating dealing with WAMU reps. My home was going under foreclosure and I was considering filing for bankruptcy. You would of thought, from what everybody says that banks are not in the business of inventoring homes. When an opportunity to modify your home loan is offered to you, who in there right mind would pass that up. So the process begins, supposidly. Zee was the contact person for the modification in the lost mitigation department for Wamu. According to specific instructions given to FAX all documents which included a cashiers check , bank statements , payroll stubs .... and so on. Everything that was needed was sent. Call after call after call. Rep after Rep after Rep. Everyone and their grandma involved in passing the message that Zee would call me back. His mailbox was always full. A dozen reps. reading my file telling me that the sale of the house was postponed. Again call after call. No one to get a confirmed answer. Tried to get hard copy of modification via email or even a reference number, still nothing. Day after day.

So here I am today. While the waiting game continued. A month went by and behind the scenes under my nose, my house was being sold. Notice on the door of foreclosure. Notice on the door of eviction. Who's responsible? WAMU? Chase? JP Morgan? Do they even care? Do people working for these companies have accountability? Bail money for this, bail money for that. I did'nt even ask for bail money, it was just a simple modification. I would have even accepted a higher rate. Good thing that the new owner was not looking to move in, but was an investor, and gave us 2 months to relocate. I beleive that some how, some day, justice will be served. Today I'll rejoice and thank GOD that I've got family.

We tried to get the payoff on our mortgage which we have through you, via the internet and your computer and the computer told us we would be charged $30.00 for that info.That is not very good customer relations. We have had a bank account with you for several years and it is hard to understand why you would do this. Please call on the phone and we can discuss this. Thank you,

I was given permission to do a short sale on my home which I was three Months behind in payments. My real estate company sold the house we closed on April 7th 2008 through Stewart title company of Staunton VA. Washington mutual reported it as a foreclosure to the credit reporting agenesis I have tried to get this solved but they refuse to call me back or answer me in any forum.

My credit now has gone down the toilet the other companies I do business with have raised my interest rate do to this.

No one will call me back and they keep saying they lost paper work and re fax it. I really thought they would help, but I guess not. Now I realize if I wait any longer I will be out of money and they are stringing me along. Im to the point of a short sell and a deed in lieu. But It looks like they wont even do that. My escow is out of this world. Im sunk.

So someone is documenting our calls. Theres no hope for us with wamu.Once again the goverment screwed us with our tax money and the rich get richer. I will have lost my house in the next 2 months. I am out of money and wamu wont call me back. Im to tired and stressed out on waiting. every time i call they hang up on me and no one seems to know anything and why am I talking to people in another country. Its very stress full and I cry all the time.

We have a mortgage with WAMU. Up until we filed Chapter 13 bankruptcy we were fine. My father, my husband and I are all on the mortgage. When we filed the bankruptcy I received a letter that said we were to mail our mortgage payment directly to WAMU. I did that in September, received the payment back in the mail. Called my attorney and they did nothing. Called in for the October payment and they said they would not discuss my account, I had to contact their attorney. November came, sent the payment they sent it back again. Called my attorney. Two days later I received a certified letter telling me that we defaulted on the bankruptcy mortgage related rules and they were now asking the bankruptcy courts to take our mortgage off the stay so they can foreclose upon the property.

The attornies filed and appeal which will be heard in December. In the meantime WAMU hired a private company to cut out the lock on our front door, secure the house and put a new lock on the door. We came home last night and couldn't get into our home. I called the company they hired and they said they did it by order of WAMU. I am at my wits end. Why would the attornies not even get a letter stating they were going to secure the home. It makes no sense to me.

Washington gave all this money to WAMU because of their bad debt and they are still in business. We are the ones paying for this and yet we are the ones who suffer. What would WAMU have done if the government changed the locks on the CEO's office doors? I have asked and asked for them to help lower our payment and all I get is print the forms off the internet, fax them in and wait. How long is a person to wait. I need some help and am hoping if a ban of people come together we can beat them at their game.

We try to do a loan modification and we ask WaMu in a very kind way to help us to modify or just wait for us because we were buhind 4 months and we sent a payment to them...but I guess my home was target by the assets group that sharks! my house was in Belmont Ca 14 years old we live there for 8 years! we had a balance of $ 624K and we had a bad time because my husband was very ill and i was taking care of him with not enough funds to cover the months we were behing instead i try to pay the taxes (very silly from our side) because at the four moth I received a notice of default)in January 2008-by February 13, 2008. I got a man at my door he said he wants to get my house- I did not believed that it happen-I had too many things on my head.

The WaMu sold my house to the shark Raymond and he did not allow me to pay and had my house back-he re-saled for almost double the amount we own to the bank this sharksold my house for $ 1.2m he just plan with the bank to get from me to $ 629K it was my balance with the bank WAMU. all my savings and equity that I had inmmy home..was took by this broker Raymond with his company Founders in San Francisco....he had been doing a lot of fraudes and scams with people in bad situation like us.

For the past two years, I have been paying the mortgage on my deceased mother's house. I cannot change the mortgage into my name because the property is in probate. WAMU put forced insurance on the house because my name is not on the mortgage (but it is on the insurance policy and has been for years). Even after faxing several death certificates and papers verifying that I am the executor of the estate.

One month later, I'm still having difficulties getting someone to discuss anything with me. First, I was told that I faxed the papers to the wrong number (which they gave me), then I spoke with at least 12 people afterwards who told me there were no notes in the computer authorizing them to speak with me. In the meantime, WAMU increased my mortgage $100 and told me they had sent a letter stating I had a $701 shortage in my escrow account. I never received the letter. Now I don't have the option of breaking down the amount I'm short to decrease my monthly payments. They want the $701 in full.

Well, I ran into some financial troublw about one year ago. I called Washington Mutaul about my mortgage and I told them about my situation and ask them what to do. I was told to fill out a hardship letter and follow the procedure and I would be notified of wheather or not I was approved.. Well, I got letters stating that they did not recieve my documentation I needed to resend it. I sent all documentation at least six times or more. I kept getting the same result. I called several times got the same thing, we need documentation.

All I wanted them to do was to please lower my interest rate so that I could afford my home. I told them that I was hoping my situation would just be temporary. They gave me the answer of we have to review all documentation.. I was so frustrated the same answer over and over. I finally called after about three months of being behind and ask if I could pay half now and the other half in two weeks. I was told NO that my late fees would be taken out and they need the whole payment. I was left with no other choice but to file bankrupcy. Before I did that I tried to get help noone would help me. Sll the answers I got was sorry your debt ratio is higher than your income.

The new bill the President Bush signed to help people in this situation I called them was told the same thing, sorry sell your house, short sell it. I then hired and attorney to help me save my house that right now I am going to lose because I just can't make it without help. I am at my wits end here trying to save my house and noone will help.

I am going to lose my house. All I wanted was for someone to help me. I got nothing!

This time WaMu phoned to tell me no mortgage payment had been made. I paid a second monthly payment. WaMu will not allow contaact with a person to straighten out their error. The computer disconnects each time I follow instructions to provide my SS #. If I provide the loan #, the computer also hangs up. If I try to find a human, using the key pad, the phone hangs up. WaMu has an extra $3600 of my money and now has sent me a statement saying that a payment is due on Dec. 1. I can't contact ANYONE!

I am a generally calm person presently so angry that I might swear at anyone now answering the phone. I cannot devote my business day to companies that don't tend their phones.

They charge me for my home insurance without notifying me. My home insurance premium went up from $1000 to $6643 per year. This was without my approval. I also called WaMU and they told me that they charged me for two years and are not willing to negotiate.

My mortage amount went up by $2000 to $4000. I cann't afford this. I may have to go bankcrupt if they don't adjust my payment. Also, now they want to charge late penalty. Need some help to resolve this.

Escrow raised my monthly payment $5000.00 My annual property taxes increased not quite $19,000, Escrow people tell me they charge/collect an extra 10% annual to cover any changes,For an annual total increase of less than $20,900. If 12 months is divided into 20900 the 12 monthly increments would be less than $1750.

This damages our cash flow and cripples our income.Our mortgage is on our 16 unit apartment complex and our home.We will have to supplement our investment monthly, despite have put almost 50% Down payment ($1,600,000 down $3,250,000).

Three years ago I applied for a mortgage for my first home. On closing I asked the broker if my monthly payments included an escrow account. I was told 3 times it did. Two years later WaMu attempted to take out twice as much for the monthly payment as they had in the pass, needless to say it bounced. Why did they do this? I was behind on taxes and insurance and they had paid them plus the following year. So now I owed them more.

Then they stopped EFT's from my bank account and 3 months later told me I was behind, cause they never took the money out I authorized then to. So on came the fee's. Now so I tried to talk to someone about working things out. Please hold you need to talk to this person It was a voice mail machine. Then an hour later I get a message to call WaMu by another machine, and transferred to the voice mail again. Just a vicious circle.

Now my house is in foreclosure, the last person I talked to me, basically told me tough, nothing we can do, we sent you stuff to apply for help (which I never got). It appears to me that WaMu is a company that just doesn't want to help their clients or gives them a run around when they try to call to work things out. Yet we're paying how much to bail them out, in taxes? And they won't help us.

As a realtor experienced in short sales I knew what paperwork to present to WAMU. After a month a negotiator was assigned- her name is Samantha. She closed our file, because it is WAMU's policy not to look at a short sale packet unless the 2nd mortgage (Countrywide) has given their full approval. In order to go through the whole process of negotiating a short sale with a second and then approaching the first is stupid. First, the second mtg. approval will have expired by the time the first gets around to approving it and then you go back and force.

Anyways, after I received the approval from the 2nd, I emailed Samantha and continuously contacted the loss mitigation department to alert her to our status. After a week she responded via inter office im that she had not checked her email and would start working on the file. After a month she told us in an email that the short sale was approved and that she would be sending the demand letter in 3-5 days.

On the 5th day the buyer's loan program was going to expire- so we had to have it on that 5th day. On the 5th day, we called and called and finally got someone who told us the truth. The short sale was approved by Samantha who took a couple days off. So, because she went on vacation the buyre's loan fell out and the house is currently set for foreclosure next week. By the by, her manager Dawn was also no help.

We had the property listed for sell since March 2008. After months of open houses, we finally got an offer. The Realtor submited the offer to WAMU , and the file was processed in Florida. After too long review we lost the buyer. We din't got any respons from the negotiator, and the buyer cancelled the contract. After a week, we got another offer. We were thinking that this time they will review the new offer and will get the final answer. But no, the file was shipped and is reviwed in Florence,SC. Why? We'll going to loose the new buyer again. If they are sending the file in different States all the time, we'll never getting the approval, because is taking so long.

We are scared that we'll loose the buyer again, and we are going into Forclosure, because WAMU can't process different offer, but for the same file, in the same place. The branch in Florence,SC are just hiring people for this department. Can you imagine? They are not even trainned for this job yet, how are they going to understand this offers and the financial situation?

I took out a mortgage loan for $50,000 with Washington Mutual. When I began struggling to make my monthly payment, I called them to get my payment lowered and work something out with them. They REFUSED and were very rude and condescending to me! As I was reading through their loan documents last night, I discovered almost ALL my payments have gone to interest, and almost nothing to principal!! Then worse, I discovered they are charging me MORE THAN $130,000 to repay this 30 yr. loan, when I only borrowed $55,000!! I want to sue them.

I have fallen behind in payments, heading to foreclosure, and they REFUSE to negotiate with me. The stress of it is taking a toll on me. It is criminal and preditory for them to charge over $130,000 for a $55,000 loan!!

We have our mortgage with wamu for two years. Since last August 2007 I have been trying to get some help with the mortgage payment I pay 4,312.50 a month it is killing us and I have faxed and called everyday with no HELP at all. I was approved for a loan with another mortgage company back in March 08 and Myself and the new Mortgage company would call and get someone name and was told to fax over paperwork. Would call back in a couple of days and no one had the paperwork. I have at at least 100 piece of paper that were faxed to so many people. the appraisal of our home went down so the loan we were approved for was 300,000.00 which was 50,000.00 less the amount that was owed.

No one would help, I would email to a PHilip throw Wamucares that is on their website. never heard anything . Well here it almost Nov 2008 and I loss the the other loan because he could not wait. I would call and explain how hard it is and they would transfer you to someone who knew nothing more then the first person you spoke too. I would go to the bank and sit at the desk and they would call for me and it would end up that someone would be calling me but I had to wait because they are so busy. I have wait for over 15 months.

I'm sure I will loss my house becaue I can't afford to live here. I need to find a attorney. So don't believe wamu cares becaue they don't They got help from the goverment when they needed it but forgot who really needs the help. Please tell me what to do to keep my home and a good night sleep.

lack of sleep, worry all the time. sometimes not able to fuction because the worry is so much.

We purchase our home for 218,000.00 with a loan from Washington mutual 5 year arm adjustable when we lower our morg to 207,000.00 and we were getting to the end of our 5 year adjustable So we called Washington mutual about a year ago and asked to convert over to A standard 30 year fixed rate morg. We went over the morg info with the guy on the phone, we agreed with the 30 year fixed rate morg Now at this time I was out of town working and gave my wife the ok to sign for me. So all the papers came she signed thinking we agreed to the terms at 30 years fixed rate etc.

When the loan was review come to find out the guy put us back into an interest only load Which we did not agree to and now the loan is going up even thru we pay on time I called to complain about this and basically was told well you signed the papers and my reply Why would I go from an adjustable to an instert only loan thats crazy? So what I said was your saying since we signed then were screw she told me I would not say that and I told her there is now way youre going to change that are you and she told me NO.

We have been living with it we have been paying on time 11,000.00 to date with no movement in the balance is costing us more since now the balance is going up and we dont know why. We need help To get the loan we wanted affixed 30 year morg

Ms Rutledge called me directly to discuss a plan to save my home. I did not actual speak with her she left me a message. I tried to call her time and time again. Her voice mail box was always full. WAMU's new voice system with JP Morgan Chase backing the up is the most terrible phone system I have ever encountered. After several weeks of trying to get a hold of Ms. Rutledge I played around with their phone system and finally got someone to answer the phone at WAMU. Ms Hernandez emailed me a workout form seeking information for loss mitigation to determine if I might be able to keep my home. I completed the paperwork and faxed it to the number she gave me within two days.

A few days later on Friday October 10, 2008 I received a phone call from a man stating they had received all the paper work including my bank account information but did not get a copy of my pay stub. On Saturday 10-11-2008 I refaxed that pay stub. Today is October 15th and I still haven't heard from Washington Mutual. Even though the man I spoke with said he would contact me Monday (Columbus Day), I have not heard from him or anyone. I have called 3-4 times per day and can never seem to speak with a live person. I enter all the required information and now of all things they are sending me to some Deapartment called REO. It is just prompts after prompts but know way to speak with customer service.

I am frustrated that help is not on the way. The received all my personal information but have done nothing to assist me in saving my house. I really don't know what to do at this point. A foreclosure will certainly ruin my credit. I have one more child to assist with college and it appears a parent plus loan won't be happening for her like I was able to do for her sister.

The reason I got behind is because I suufer from Occupational Depression. It has been difficult for me most of the year. I am now at a state where I can at least manage my affairs. Dealing with WAMU would send anyone over the edge....again. I want to keep the property but there is no way to express that to WAMU because the ain't listening.

Our home loan/line of credit was sold to JP Morgan for 2/3 of a cent on the dollar. Why can't I buy my loan?

JP Morgan paid about $600 for my $80000 loan, I want to buy my loan. I feel like a sucker and a fool. How can I sleep knowing every 2 months I pay more for my loan than JP Morgan did, and I am only paying interest.

Our experiance with WAMU echos the same as I have read in all these comments I have read here. Things like We can't help you untill you are behind in your payments, Telephone tag, the waiting game, We didn't get your paper work send it for the third time (as we did with the USPO receipts of delivery and the Persons name on them that signed for the package). When ask for help they never once offerd any type of Payment extention,loan adjustment after recieving or financial packaqe. The only new one we have to add is if WAMU has both the 1st and 2nd on your property they can make a desission on short sale or Deed in lieu if ask to do so.

In our case we sent in the Loss Midigation package Twice and then waited and waited for some one to be assigned to the case. We called weekly and after two monthe we were notified they sold our first to someone else and by the way since we do not have the 1st we cannot do a Deed In Lieu. No other comments or help was offered. No other communication regarding help only phone calls some times 3 a day including Sunday from their collection department who by the way had never reviewed the file prior to the call.

The end result was we lost our home to forclosure and required action on our side we didn't want to take. I believe after reading all on this site their practice was the same all over the country. Their training as we all know comes from the top not from the bottom and those people have left with our money and now want us to give them some more. We fell blessed as we will survive as My wife and I are of good health and able to return to work out of retirement. Some people don't have that option.

I purchased my home for no money down in Nov., 2005 through a man who has been convicted for false information on the value of many homes in my subdivision, and others. Washington Mutual agreed to handle the financing. Neither I or as many as 200+ people did not know that the value was inflated, was of very poor construction, and that it would not be possible to sell our homes anywhere close to the amount of the loan. I am talking of a difference of close to $50,000.

I contacted a realtor, who began negotiations with Washington Mutual over 9 months ago to initiate a shortsale. WAMU has drug their feet, stating there was no record of correspondence, no telephone numbers left for them to call, they didn't have the right paperwork. About six weeks ago, Jennifer stated that they had all paperwork, and she would have a decision very quickly. Then the news informs us that WAMU was bought out due to poor financial position.

WHERE does that leave us, the ones paying the mortgage, and having been approved for a shortsale. The government obviously cannot agree whether they can bail out the banks, so we are left with a practically worthless home, with inflated mortgage, and now we have a new bank, that will takes months or years to sort out the mess, and we pay the piper. My only solution is to let the bank foreclose on the home. The ironic part, is that I had a buyer with an approved loan, waiting to buy it at the appraised value! What choice do I have?

The house will go into foreclosure, the buyer with the loan, who also happens to live in the home, will be displaced, and I will appear to not have attempted to take of the whole thing. I will suffer the consequences of having trusted a seller, and the bank, when in reality, there was nothing but fraud involved on the sellers part, and Washington Mutual relying on them to give proper protery values, and financing same.

Three years ago, Washington Mutual said that I had not paid my house payment. I sent receipts to show that I had, but I was told that the money was not there so I hadn't paid. this went on for several months. I finally got in touch with a supervisor (I assume she was) and I got her direct mail address so that would be assured that my payment was posted. It wasn't. Cynthia of Northridge, CA didn't post my payments. I eventually lost my house to a forecloser. Washington Mutual stole my house. I am now in a class action lawsuit with them. My attorney has my reciepts.

I had to file chapter 7 bankruptcy, lost my house, and I have had to move 5 times since then. Having to file bankruptcy has messed up my whole life. My wife can't get a job because of it, I can't buy a house, and I have had trouble even renting an apartment. My house was appraised at 80,000. I even had someone who was going to buy the house and sell it back to me, but WaMu wouldn't even talk to him. WaMu are crooks and should have the book thrown at them. They deserve this latest financial problem. I hope it lands every one there out on the street in a cardboard box.

I have had a mortgage with WAMU for two years now. And in that time, they have tried to impose there own hazard insurances on us (twice) when we already have insurances AND taxes escrowed into our account (and the escrow is reflected on our monthly statement). Now, they are trying to raise our monthly payment to 999.00/month because they did us a 'FAVOR' and paid our 'delinquent ' property taxes from 2007(that I have been asking them to pay for about 8 months now, and they have created a 'new' escrow account to pay these and future taxes. Everything has been escrowed into our mortgage since we refinanced almost 3 years ago now.

Ever since the mortgage was sold to WAMU, we have had nothing but problems. They just keep trying to get more and more money from us. They say that these mortgage companies 'don't want your home' and 'they want to help you'. Well, I beg to differ with that. It seems like they are practically trying to take our home. Our mortgage is an ARM so I completely understand that the payment is going to fluctuate in that aspect, but not for taxes and insurances that are already escrowed. WE are currently trying to refinance to get away from WAMU. How do they get away with this?

Because of all of these problems with WAMU, I feel like I am going to have a meltdown. It is literally one thing after another. They have the power to do whatever they want and you can't do anything. They say they document everything or 'note your account' but no one ever seems to find any notes on anything. I am stressed and sleep-deprived wondering all of the time whether or not we are going to lose our home because they keep screwing up.

A loan was placed against a property I own. My siganture and thumbprint were forged on a deed transferring the property out of my name. I was unaware of this for two years, continuing to make loan payments. Until I got a forclosure notice on a second I was totally unaware of.

I was unable to access the equity in my property, it was appraisedf at $675.000 in 2005 and I owed $360.000. I have lost the use of the $315.000 in equity and the payments made on this loan. And now may lose my home.

In October 2007 I had a name change due to a divorce in which I obtained full posession of the property on which they hold a mortgage. I started the process of having the name changed on my mortgage in March 2008. After they told me numerous times that they did not have the correct documention and I continued to resend paper after paper and so many other problems with their service that I cannot not state them all. Also time after time they told me they would get right back with me, they did not. Most of the time I had to call them.

Ir was 6 months later in August, after I got very angry with them they finally put one person on my request. And guess what, she sent the documentation of the name change to my former husband and not to me. This was the last straw especially since they had been communcating with me at my current address all this time. If I could I would change my mortgage company because I know they are inefficient, uncaring and lack integrity. I will never recommend them to anyone in fact I will do just the opposite.

We were told that our new regular monthly payment will be $1747.22, which I have been paying for six months in a row. In fact, we had to mail all our checks to Washington Mutual Bank on the 26th of every month so that our payment would be received before the first. It was a period of trial for the Bank and an ordeal for us. It was not easy, but some how we made it through, and most of all, we remain MOST GRATEFUL to WaMu for their help.

Suddenly, last month, the statement came in with an additional charge labeled Other Fees: $21.80. When I called to inquire about that, there was an attempt at explaining that I am to pay this fee, because the bank sent someone to evaluate our house during the time we were in hardship. If that is true, we are in much more trouble than we think, because now even reputable, FDIC registered institutions, like Washington Mutual is acting unruly and fraudulent!

I sent in my regular payment on time, of course disregarding the Other Fees: $21.80, and next, we received this new August statement reflecting another Total Amount Due of $1844.45 - that is not too clear to me. The first statement reflected $1747.22 + $21.80 = $1769.02. I refused to pay something I did not know, signed for, and or agreed to. I see no fairness in Washington Mutuals insincere action. The bank helped in one hand and tried to asphyxiate us with the other. Not that I will pay it, because I do not believe that I owe it, but the charge, how was it calculated? If last months over-charge came up to $1769.02 and suddenly this month, it jumped to $1844.45. I want to understand how it was done?

Simple, this is soon becoming a serious burden to me and my family, because, here, in Florida, jobs are extremely scarce and we are struggling to make ends meet. Where does Washington Mutual think that I am going to stretch to get that additional forgery?

I am a licensed real estate broker and I am really disappointed as to the way Washington Mutual's Loss mitigation department has handle their business with me. I am currently working a short sale and WaMu is the 2nd lender with s subprime loan. I have more than communicate every detail throughout this transaction. The 1st lender has come to terms and I expect an approval for the short sale. Approximately (45) days ago WaMu sent a written approval for a short sale. The buyer unfortunately found another property due to the time it took for the 1st lender to agee to their pay off.

I purcured another buyer and i open the lines of communication with washington Mutual's loss mitigation department. I was very shocked to find out the loan has been charged off. I[n] as short a period of (45) minutes I was passed around to about (5) employees all stating they can't help me while transferring me to different department whom also could not help me. The (5) employees does not include the 2 that hung up on me. i need in writing the document that proves the charge of so that I can provide this document for escrow.Can someone please help me?

We we recieved the pre-foreclosure documents in August. We went court and and paid the initial fee in September. We contacted an attorney who advised us to contact WaMu, which we did. They told us that they would modify our loan. We started back and forth in November of 2007. They kept telling us that our date was too far out. They said to have the funds available when the modification was done ($5000). December, they told us that we did not qualify for the modification. Then, they called again. My husband was on WC during this entire time. They said that they did not realize he was earning a check from WC. With that income, we did qualify. So, again to get the money together and to wait for the letter.

January, no letter. We called. We kept being told they had to work with the clients who were in immediate foreclosure and that our sale date was too far off (March, 2008). By then, we got anxious and secured a lawyer. She went to court for us on three occasions. Each time, she would contact them. They would either tell her they did not have to divulge any information or would transfer until she was disconnected on accident. In February after taxes, we had the funds. We were told to get a cashier's check and fax them a copy (which I did not because I was not going to tie up our money).

Long story short...they kept blowing me off. I called in tears begging them to call me back...6 days before our sale date. Finally that Friday night, they called me at work (although they had my home number) and left a voicemail that they would not modify our loan. They said that WC nor Unemployment were verifiable income (by husband was just off WC and now on unemployment). The guy I talked to said he had never heard that before but that was what his supervisor told him to tell me. Also, the person who was to modify my loan would not come to the phone nor talk to me (even though he said she was in the office). Even our attorney said she had never heard that a government issued unemployment check was not verifiable since it showed a start and end date. She tried all day Monday to talk with them but no one would talk to her nor would they explain to her why they did this to us.

Economic loss? Our credit is shot. We were not trying to get over. My husband got hurt at work and was off for nearly 2 years. We thought we were going to be on the street. However, by God's grace, we met a lady who owned condos and allowed us to move in. We were 2 weeks from being on the streets...me, my husband and two kids.

We had our mortgage modified and that took at least 6 months to happen. In the mean time we couldn't make any payments and the back pay kept mounting. Well we finally got the modification done in April 2008. We were specifically told not to make a payment until we receive our first bill. Well a couple months went by and called and no one could answer my questions. All I asked was when will I get my first bill.

Well finally in mid July 2008 I received my first bill. It was for over $4000! I was like what the.... So I called and they said that was what I owed and how would I like to make my payment? I was back in pre-foreclosure. How can I be back in pre-foreclosure if I just received my first bill. They couldn't answer. Just asked how I would like to make my payment. I told them I would like to make my monthly payment and is not fair that I had to pay over 4 grand my first bill and be put back in default.

We have been trying to get this resolved but just can't get a straight answer from anyone. They just say sorry, how would you like to make the payment? So made a payment arrangement thinking they would be fair about it, but they weren't. Not a surprise. My first payment was to be my normal monthly payment that was made during the modification. Then my next payment is to be over $3300. That is crazy!

They told me after the modification NOT to make a payment until I get my first bill because my payment wouldn't go towards my loan and would sit in some holding area?? Why wouldn't it go towards my loan? This just doesn't seem legal. How can they get away with this? I am currently sending a complaint form to Illinois Dept of financial. But that is going to take at least 45 days to get an answer. All I want to do is get away from wamu!! Now I will be calling them back to see if they can do something with my payment again. I'll keep my fingers crossed that they will work with me to get this resolved. What a nightmare!! Stay away from wamu at all costs!!

My credit is all messed up now. I cannot get a loan if my life depended on it due to wamu. I've been losing sleep, not eating right. My nerves are in a bundle. This is just ridiculous! This cannot be legal what they are doing. I hope someone out there can help!

Nov 2006 we started to fall behind in our monthly payments to WAMU, in Feburary 07 we finally worked with Loss Mitigation on a modification. I called to check status in early March and was told they had lost everything. So I resent everything. Finally in April we had a modification agreement. FIXED rate of 6% and rolling in $17,000+ in their fees etc. Figured I went into the foreclosure and was very happy to save our house. We also had to pay $3000 when we sent in our modification.

Our first payment coupon came, and it was excatly the terms we had agreed upon, I was very nervous about WAMU & figured they had something else up their sleeve. We made the first pmt, then our second pmt coupon came and our payment had went up $1,300 per month, I called right away, they said they did not roll our taxes of $4,300 into the loan as they said they would. I asked if we paid approx. 3 pmts, we should be caught up. They said yes. We decided to just make it and get it done. Made that payment.

Then we get notice with the next pmt, that our interest rate had suddenly became adjustable. I called right away, and explained there was no ARM language in my modification & was told over and over that I had a fixed rate. After rudely being told I was a loser etc.. the modification would adjust 1% every 6 months for the rest of eternity. It would only go up 1%, it would never go down. I explained that with the increase for my taxes for the next couple of months, that would put me over. I was then told, the $$1,300 per month for the tax escrow would go on for 24 months.

I explained that it was an escrow account and they couldnt charge me $1,300 per month for 24 months on my original balance of $4,000+/-. Well of course they can, they can do anything. I explained I would not be making any payment on the Arm, as then I would be accepting their terms. Next my tax escrow statement came and my escrow had increased to over $7,000. No one could explain how an escrow balance of $4,000 and two $1,300 payments against it, could all of a sudden be $7,000. I refused to make the next payment and filed a complaint with the Federal Trade Commission and the Better Business Bureau.

After being contacted by the Better Business Bureau, WAMU sent me a letter, and sure enough I had a fixed rate & it should have never went into an Arm. They then had wonderful news, they were going to give me ANOTHER modification. It would be fixed rate at 5% (WHAT, no-one was getting 5% fixed rate). This modification was sent to me within 48 hrs rather then 90 days & I was asked what this situation had done to my marriage. (again, awful concerned and warm & fuzzy for WAMU). I was not yet 30 days late, so I told them to send it out to me and I would have my attorney look at it. Well for that bit of kindness from WAMU it would cost me another $16,000 +/- to get this new modification. The new modification arrived & as I read it, it was a fixed rate of 5% and they even added language that it would be fixed for ever and ever. However, when I got to the second page, it had ARM language. So what was it? fixed or an ARM. My first modification only had fixed language, and it magically turned into an ARM. So this was quite confusing.

I quit making payments to WAMU in October 2007. Oh, yea, my home sits on 6 acres and then we have an additional 40 acres that was used as collateral. The first modication the 40 acres was omitted. The second modification it was back on. They dismissed my first foreclosure proceedings,and have not filed as of today another foreclosure. They have not sent me a payment coupon in this past year or any correspondece (except the letter apologizing for how awful their customer services reps had treated me and that my loan should have never went to an ARM). They call from time to time, I acutally contact them more then they contact me. I am trying to find a real estate lawyer to take a look at this.

Have met with 3 different attorney's and they all say do not make a payment. But they are not qualified to handle this case. From the first foreclosure, I was harrased, humiliated, treated as badly as I could have been. Since not making a payment the past year it is just not like them to leave me alone. Just wondering if anyone else has had this type of problem.

I feel there is some Truth-in-Lending violation in this matter, but I am from a small town and none of the lawyers have experience with this type of law. They recommeded I find a Lawyer specializing in Mortgage Law. Is there anyone out there, that would like to take a look, I would be more than happy to go over it with them.

We have been in our home for over 13 years. It was a re-fianance with what turns out to be a very bad, unscrupulous loan originator, who has since fled the country, his house, his loan processors home, and many of his clients have all lost their homes to foreclosure. I have questions as to what he submitted to his underwriting and expecially our appriasal. But of course, very difficult to get any answers. And too late since he is living on a beach in Israel, now. Economically, because of their mistake and potential truth-in-lending violations the charges etc will probably be well over $50,000 when all is said and done. Our credit has been destroyed. It has put unbelievable stress on our family.

We build a business next to our home. We had our taxes paid escrow. The bank raised our monthly payments and when we tried to find out why nobody could tell us. Come to find out months later that our taxes had doubled and that was the reason. We kept paying our regular payments because they wouldn't tell us why they raised. Then they refused our payments because they said we were behind.

This went on for over a year. They filed foreclosure and Fannie Mae paid 3 times what the property was worth. I think they have a racket going and I wish the government would expose them. They are impossible to deal with.
Part of property forclosed, my credit is terrible.

I have been attempting a short sale for several months trying to avoid a foreclosure. I have an offer on the property and the complete short sale package was sent to WAMU on July 2nd 2008. My package was not even opened until July 10 th and they have still not assigned a negotiator. They will not try to help you at all and will give you different info everytime you call.

I have let many messages for a manager named Gerlie Cruz but she will not respond and now her voice mail box is full. They have set a sale date for September 29th and it looks like they are forcing me into foreclosure. What can I do? This is causing a lot of stress.

Undo stress! Lack of sleep! Credit problems!

what Happened is all my fault. As i took a first mortgage with Washington Mutual and was very foolish at the time. i was recommended an adjustable arm mortgage and told that i could only pay the minimum amount- which i did. it is now 4 years later i am still paying adjustable mortgage - however my mortgage amount has increased as it would to $10,000. more than the original mortgage amount.....all that after 4 years of payments.....if i had of known what i know now! i would have taken out a mortgage with another bank...

in addition the 2 times i tried to switch to a fixed mortgage i was persuaded to keep the adjustable and that the rates would not be that much different. Four years later the thousands of dollars i have paid in payments that werent that much different in fact would have made a HUGE difference in my financial position and my mortgage. i am only to blame for being so foolish and allowing those friendly, small town loan sharks...oops i mean officers guide me into more debt.

none other than the loss of about 100K which was my own fault having not read the small print fine enough....for a first time borrower this experience was a disaster! i doubt that i have any recourse? but it would be interesting to know for sure. the good news is my house has held steady and is appraised at equal value from purchase price. so i'm not losing from that aspect. i live in hong kong which makes it difficult to take the time to follow up every day....my loss and lessons learned! thanks alot

Have been trying to avoid foreclosure because the value of the house has dropped from $525,000 to about $300000. Have started the request for loan modification four months ago. Have faxed WaMu everything they have requested. Call every week and told has not been assigned to anyone yet. Have and continue to make payments in a timely manner. Load is interest only. $417000. Bush signed a homeowner assistance bill on Monday July 28 which should make guarantee and modification easy. Dont really expect WaMu to do anything differently. I believe there will be a run on their bank as most depositors who have in excess of 100000 has yanked out their deposits. Although WaMu did get an infusion of capital in April, their loss of 3.3 billion this quarter indicates they are going down the tube. The upside down character of our home is now obvious. WaMu has been identified as a lender who pressured appraisors to overvalue property so they would have financial gain. Perhaps a class action suit is in order. WOuld like to be the plaintiff.

Have been trying to avoid foreclosure because the value of the house has dropped from $525,000 to about $300000. Have started the request for loan modification four months ago. Have faxed WaMu everything they have requested. Call every week and told has not been assigned to anyone yet. Have and continue to make payments in a timely manner. Load is interest only. $417000. Bush signed a homeowner assistance bill on Monday July 28 which should make guarantee and modification easy.

Dont really expect WaMu to do anything differently. I believe there will be a run on their bank as most depositors who have in excess of 100000 has yanked out their deposits. Although WaMu did get an infusion of capital in April, their loss of 3.3 billion this quarter indicates they are going down the tube.

The upside down character of our home is now obvious. WaMu has been identified as a lender who pressured appraisors to overvalue property so they would have financial gain. Perhaps a class action suit is in order. WOuld like to be the plaintiff.

I telephone WaMu to find out what my final mortage balance would be on 8/15/08. After 31 years I am finally paying it off in full. I was told that in addition to the close out payment, WaMu would assess me a fee of $43.00 which covers the recording fee from my county -- fair enough. In addition WaMu is charging me a $30 processing fee ... they are charging me for paying off my mortgage! They only accept a certified check or wire transfer as final payment. I have sent a wire transfer (which costs them nothing). I believe this $30 processing fee is totally unfair and that is what I am complaining about!

Just another fee -- usuary. I have always paid my mortgage on time, made additional payments, and never been a burden to WaMu. How many thousands of dollars are they bilking the public for, just to pay off a loan! Unfair.

I have a sentimental, 3 bedroom, 3 bath guest house on rural property where 3 family member's ashes are scattered. After being persuaded by a shady lender in 2002 to go into a 2-year adjustable-rate, initially low-interest mortgage (with plans to refi before any adjustments happened), I decided to do it. This person *was* a friend of the family.

Time came to do the refi into a fixed rate mortgage, but everyone turned me down (including the friend) because I had a condo in Chicago I could barely afford and was trying to sell. The debt-to-income ratio thing. The rate adjusted and I could no longer support the payments - I was never late or behind in any payments before this. I now had upwards of $3,700 a month in mortgage payments with the condo and the guest home.

WAMU has been a nightmare to deal with. In attempting to do a short sale for many months, like others here, WAMU (in particular Deborah) has strung us along for months. Even after having offers on the place, they are all backing out because no one from WAMU will answer phone calls or emails. I guess they want to foreclose instead of getting a short sale done. Initially it seemed Deborah was going to be helpful in helping get a short sale accomplished, but since it seems she has disappeared off the earth.

My realtor can get no assistance from anyone else. Just terrible. Per Ms. G, one avenue to save the house would be to fax a copy of a $1,000 cashiers check, pay thousands in fees, and they would re-do the mortgage into a fixed rate (again, at high interest which again I couldn't afford anyway). How are these banks helping ANYONE?! As I couldn't afford to do that either, I'm stuck and guess I'll be losing the this sentimental property that has been in my family for 30 years. Is there anything at all we can do? My own mother who just turned 80 wants to do something with the equity in her home in Woodridge, Illinois to save the place in Southern Illinois, but in reality I know no bank in this world will assist someone who is 80 years old with any kind of a loan or restructuring.

A distraught 80 year old woman, me and the rest of my family by losing this sentimental place where family members have passed away wanted their ashes scattered (it's beautiful property on 5 acres in the Shawnee National Forest). We won't really even be able to go visit the graves anymore to remember our passed on family members down there where the memorials even took place. I've since had to move into a small apartment and get rid of basically everything I owned (due to no space). I'm paying the rent, which isn't that low, but it was that or actually become homeless (my condo in Chicago will hopefully short sale), but I couldn't live in it anymore. If only WAMU could actually help us by doing a simple refinance into a low interest fixed rate mortgage that I could afford, all this wouldn't have to happen and we could keep the place and all would be happy. In a perfect world, I guess. Distraught in Chicago!

My husband and I bought a home with a relative. We got both mortgages with Washington Mutual. The 1st for 6.6% that was set to adjust in 2 years. The 2nd is a 30-year fixed at 11.1%. In Feb. 2008, we got notice that the 1st was going to adjust on 05-01-08, and it listed a number for us to call for assistance. We started calling and got the run around everytime. It was difficult to speak to anyone, and when we were able to speak to someone, we were told that they could not help us. In the meantime, our relative moved out and left us to cover the entire mortgage.

We contacted WaMu's Care Program to request a loan modification because we knew we would not be able to afford the $500 increase. We faxed over all the documentation they requested. We began calling for status, and told that our documents were not received. We had to fax them again, and then told that they weren't received. We faxed them a third time. About a month had gone by when we were finally told that our documents were received. Everytime we called for status, we were told that our loan had not been assigned to a negotiator, and that we had to wait. Everytime we called for status, we got conflicting information. We told them everytime that we could not afford the increase and needed to get our loans modified before we began falling behind.

May came and the loan adjusted, and still, no answer from WaMu's CARE program. We continued calling until we got an answer in late May. We were told that our request for modification was denied because the loan was set to adjust in November 2008. They said it was too soon to review. We reminded them that we started the process in March 2008, which was 2 months before the loan was to adjust. Then they said that they could not modify because we were current with payments. They also said that the loan was assigned to a negotiator after May 1, 2008, which was when the interest adjusted. We told them that it was not our fault that they took so long to assign our loan, and now we are being penalized for it. All they did was apologize and offered no other solutions. They said that we had to submit a new request and start all over.

In the meantime, we are unable to afford the higher payments, and are now 2 months behind, plus, we are getting 20+ calls a day from WaMu's collections department. We've explained that we have requested a modification with the CARE program, and yet, they continue calling at all hours of the day. We have stopped answering our phone because we are being harassed. Our credit is bad now because we are behind in payments, and nobody in the CARE program seems to care about our situation. We have told WaMu over and over that we cannot afford the payments and have repeatedly asked for other options. They have told us that there are no other options for us.

Our home value has dropped substantially and we now owe more than what the house is worth. We were told that we could only refinance if we had a co-signer, 3% down, proof of more income, and pay the prepayment penalty of about $9,000. We would have to come up with about $55,000 just to refinance. It is clear that WaMu is not in the business of helping good paying customers who can no longer afford the payments. We have tried to get the 2nd request for modification expedited, and again we are told that we just have to wait.

We are now 2 months behind on our mortgage payments and our credit has been ruined. The increase in payments has caused a great financial hardship on our family and we are unable to afford the basics for daily necessities.

On Friday July 11, 2008 I called their foreclosure servicing department about a forclosed upon property in Las Vegas Nevada - I am a Clark County School Teacher with Financing already in place from the Schools Credit Union - I want to buy a specific property that has already gone thru trustee sale with no takers - I was told that I couldn't buy the property until one of those multiple property auction sales. In this economic climate, with so many being added to the foreclosure lists monthly,on a property that already didn't sell, WHY WOULD THEY REFUSE TO TURN RED INK INTO A SALE? - AS Is is no problem and My lender and I are wondering what in the world is going on - If they would go thru the expense of an auction for a 'maybe sale', why won't they just talk and negotiate with me to get an actual sale and be done with it? Is it because I have my own financing?

They have it and want to sell it - I'm sitting here with financing set up and want to buy it - what is the problem? What is going on? The economic damage is obvious - this lender is holding on to properties with no regard of offering for sale prior to some unknown auction date - They are keeping properties for no reason other than to be difficult -

In Jan. 2008, We recieved a letter from WAMU stating our ARM would be going up in June of 2008. We contacted them to be Pro-Active as we were conscerned about our financial situation going downhill and we wanted to see if the bank could work with us knowing we were hitting hard times, my wife lost her job and My business (like the housing market) became flat. They stated we were good on time paying customers and we would have to go to lost Mitagation as they could not help us. We got transfered over and these people argued with us that they could NOT assist us becuase we were currently NOT late or in a fore closure. We argued about what happens if we were to go down that path? They said we had to fill out a financial packet.

So we asked for One. When we got it we filled it out, WAMU stated to put down real numbers so they saw our complete situation. So we did and sent it back. We never heard back from anyone until Late April when we were unable to pay the mortgage. We got a phone call from collections and asked who was our loss Mitagations person. They said that it was D. Harrison and we asked to speak with this person so they transfered us. When speaking to Lost Mit. we found out that D. Harrison was no longer there and had not been for 2 months and that our file was sitting on his desk. We were told that no one reviewed it and they would look for it, that was all they could tell us!

We decided to put the house on the market since we got no response from WAMU regarding our options or what we should expect. We listed it we a short sale broker. Next Month we got a letter from WAMU, declining us for any assistance after they reviewed our financials. No phone call, No contact from a human being, nothing. We were shocked. You could never get anyone to call you back regarding our loan. We never got any call from Lost Migation. When we called them and finally got through that only went back and stated that our financials were not enough to provide assistance to help keep our home. They never gave us any choices or Options.

We are now in final stages of loosing our home. We have a contract pending but WAMU stated this would not prolong or stop the Fore Closure. We get calls every day..and I mean every day from WAMU collections-These people have no idea who we are or what we are going through. They only want Money. I took a call from Mrs. Andrews from WAMU collections on July 1,2008. This collector from WAMU stated that I should pay something immediately. I told them to looka at my file and see what it says, they stated it was declined for assistance and headed to fore Closure. I asked who from The name of the Lost Mitagation contact on the file? They told me it was D. Harrison. I said that was incorrect and this person has not been there for Months. They transfered me to Lost Mitagation were I was cut off when I got there.

Two days later I got a call from the Jacksonville office which was Loss Mit. I argued with this woman who told me I needed to pay something on my loan as soon as possible. I told her we did not hve it and that WAMU declined our loan assistance. She stated that was our fault and that the fore closure was going to happen unless we sent them money. I also stated that we were working with a realitor and that we had a contract on the house, she said that would not stopped the fore Closure. She gave me her number and told me to give it to the realitor which I did. The realitor called me the next day and said she had to transfer me to the person that was dealing with our case file.

As of now they are reviewing the contract but it is doubtful they will stop the fore Closure. This has been my second loan through WAMU. We got the loan only 2.5 years ago. I want to know if anyone else has faced this and try to band together because I did not buy a home just to loose it. I feel we were treated very unfair from WAMU. I also wrote a reply letter to an artical published in June of 08 in consumer affairs from WAMU stated 1 Billion in assisance for home Owners I sent the letter outlining the above in detail as well. I never got a response except for the call from Mrs. Andrews.

WAMU in my opinion has been overwhelmed by all the fore Closures, they dont have the man power to deal with these and the homeowners are the ones who have to pay the price. WAMU could have extended options for us to keep the home but did not. We are four Months into a foreclosure, The effect of a delayed response back from WAMU after three months was UNEXCEPTABLE and they should be held liable or accountable in some way. We now have four months of bad credit. How do you find another place to live when that is on your credit sheet. I find this WRONG and very unfair!

Since March of 08 my husband and I have been trying to get an answer as to how to go about lowering our impound account, considering the rest of America's homes have depreciated in value and all of the sudden our impound raises for close to $200 more per month. We received a different answer each time we called. We did go through the County assessor's and requested a re-eval and we got the response rather quickly. Then we were told to fax that document and that our impound account would be adjusted within 5 business days.

We called to check the status 2 weeks later and thy had no record of the document. At that time we are told we were given the wrong fax number and gave us another one. This time we are told that they have 1 month to process and then we will see the change or get a refund. It is now July. We received a latter form the tax bill dept. stating thank you for the doc but we will let you know if we need your assistance in determining the impound account once taxes are due in November.

We called and this time asked to speak to a manager or loan officer, considering all the misleading info received. THe manager hears us out, does NOT even try to apologize on behalf of her staff; admits to not knowing certain things but states that they cannot lower our impound amount until they are told specifically from the county assessor which amount that will be. This made sense to me, but if were told this from the beginning we would have answered for that additional information. She game another phone number to call to request this.

The point is, we are obviously paying extra money. Our home is not the exemption to the the rest of America; it has also devalued. I asked the manager: from human being to human being: what would you be doing if this was your situation? She game me the run around and was cold as a brick. We are refinancing as fast as we can and do not want to deal with WAMU ever again!

It is costing us an additional $200 per month (money we don't have to spare) while it is clear that our taxes will be lower this year.

after remodeling my rental home it was put on the market. Subsequently it did not sell being as it was placed on the market 9/1/2007. The market went into a slump shortly after I was put into foreclosure then the true nature of the bank came into play.

From that point on I was placed on hold, transfered, disconnected, and passed the buck trying to get something as simple as a pay off statement. If an offer did come through it would be ruined by Wamu due to their inefficency when trying to obtain the proper information as to the payoff of the home.

A representative of Washington Mutual's Mortgage department contacted me regarding my current mortgage with them. He called to find out how I was doing with my current mortgage situation. My mortgage is about two years old and I have paid it on time and have no late charges. He offered a lower interest rate on my current loan, but on one lower offering I would have to pay $2200.00, or on a lesser interest rate reduction, I would not have to pay any points. I opted for the latter, but the rep then had to order a credit report which turned out to be lower than fannie mae's standard. I was then turned down.

To me this was a half-hearted attempt by WaMu to offer help to a current homeowner for a reporting purpose whether to the Feds or somebody else. WaMu gave me no consideration nor asknowledgement of my payment history. This offer to me was a sham and only lowers my opinion of WaMu. This and other lenders are not sincere in helping borrowers, and will use such half-handed schemes to advertise their so-called efforts to help people. I just want you to know that my house has not declined greatly in value.

I am an attorney and we have been trying to get a Certificate of Satisfaction to release a deed of trust which was paid off in 2003 for one of our clients. Phone calls, faxes, etc. have been completely unsuccessful; and this has been going on since last Fall. We just cannot get any response at all from this company. Do not have an address, just the above info and also a Fax #. Any assistance you can give would be greatly appreciated. The sale of the lady's house is being held up because of this outstanding deed of trust. Thank you.

Sale of the lady's house has been held up since October, 2007. One buyer has pulled out and now just recently we have another buyer. We need the deed of trust which was paid off long ago released right away. Washington Mutual just seems not to care.

My husband died and I tried to have his name removed as primary. No matter how much documentation I provided, they kept asking for more (most of which I had never heard of, nor had my attorney). I finally gave up on that. Now I have paid off my loan and I am trying to get something official from them to show that it is paid off and I no longer need flood insurance, and I am getting nowhere with that either. Allstate Insurance Flood insurance refuses to cancel and keeps dunning me to pay the premium and I am concerned that my credit rating may suffer. What can I do?

The insurance co is telling that I need to pay $800.00+ and I refuse because I no longer need the insurance and they are not accepting my cancellation request because they say they need an official statement from WaMu saying that I am no longer required to have flood insurance.

In the middle of working with the loss medigation dept to refi our home loan due to falling behind on payments because my husband was unemployed for 7 months. The forms requested bank info which i gave so they started drafting large amounts of money out of my account nobody authorized & i did not have the funds so i was charged a numerous amount of NSF fees that they will not cover. When we call we are put on hold or transfered to different dept where they just give you the run around & have no excuse for what they are doing.

WM routinely ignores letters, adds fees, overestimates tax payments, and increases house payments on fixed mortgages. Requests for payoff amounts are not directly acknowledged, although a recent review of 6 years' documentation show that within weeks of request for payoff or credit reporting, a foreclosure complaint is filed.

This time, Jan. 08, was unexpected. Our payments had been made on a timely basis through December 07, and January 08's payment was in the mail. In their complaint WM's attorneys claimed no payments had been made since July 2005; mortgage payment amount placed at $2842 per month ($1154.37); demanded full payment of original mortgage and contained factual errors in almost every count. They also informed that although mortgage was acquired by them 7 years ago, it was yet to be recorded. I only had 2 weeks before the court date and I answered pro se requesting court costs, damages and relief from predatory lender.

My documentation verified my statements above and the judge suggested the attorney and I discuss the matter, setting a second conference date the following week. Two days later WM's attorney called to say he dropped off a Motion to Dismiss at court and put a copy in the mail to me (never received). He secured an Order to Dismiss the following day by stating I had agreed to same, without prejudice or costs. There was to be no conference. I wrote the atty and the judge that counsel misrepresented the facts, that I wanted a full discussion of complaints on both sides.

In the meantime January through April's amount due had not been settled, we mailed May's check to the attorney as instructed, however he returned it in June suggesting we contact WM ourselves. I actually attempted to, but was almost immediately locked out of the website. I wanted to be left alone, to sell my condo without threat of foreclosure, or refusal of payoff figure, an accounting of all charges made and monies paid by me before putting it on the market and certainly before closing. My credit report showed in April mortgage default since July 2005 - the first time credit information was ever submitted.

In May another report showed that I have been in default since October of 2007. This month another report showed 360 months of payments at $1350/mo due and owing. I assume they are in the process of filing a foreclosure complaint for default. One credit report clearly lists nonpayment of the months not paid this year (due to their legal action.) In this one Complaint, WM was in violation of Fair Credit Reporting Act, Bankruptcy code for Chapt. 13, Fair Debt Collection Act, filing false information with the court and attorney misconduct. Is there any law they can be made to follow?

I can't find an attorney. I want declaratory relief at least. My answer was good, but I do not know the law. I am profoundly depressed and under doctor's care - they've sent an inspector to the house, no payments have been deposited by them since December and it does not take much to see the setup here. I am legally disabled and in my 60's and, if not enough, have approximately $200K in equity that I cannot touch. Otherwise, I am without funds beyond monthly social security, my son is in college and my life is being wrecked as I am pushed further into debt by foreclosure mills. I need medical care. I need help in so many ways I cannot list them. Without WM's foot pressing on the back of my neck, I could help myself. Honestly, I can't bear it anymore. Thanks for your attention.

On June 16 2008, I called Wamu to try and make a mortgage payment over the phone. I have two different loans on my account. After speaking with the Rep, he informed me there will be a $15.oo charge to pay over the phone. I gave him my checking account information to process the payment. I then asked the Rep, will there only be one 15.00 charge for the both accounts? He stated each account will be charged $15.00. I promptly stated to the Rep. to cancel the transaction, I would walk the payment in to a branch, in which I did.

On the morning of the 17th, I checked my account, as I do every day, only to discover Wamu had processed the payment anyway, after being told not to. I called the customer service line, which was no help. A manager had the nerve to tell me I wouldn't not be reimbursed because there were no notations on my account. My question is, how am I suppose to know if the Rep properly notated the account or not. I am not there with him. I see why Wamu has a bad reputation. I was seriously considering transferring all of my banking needs to Wamu. I don't think so!!!

As a result of Wamu's negligence, my account is severely overdrawn. Which will cost me several hundreds of dollars I will be out of, and everything I have purchased using my card will be either returned or paid with a 35.00 NSF fee that I will incur. THANKS WAMU!!!!!!!!!!

the bank imposed forced insurance. they had used an older deck page which showed my required flood coverage as needing to be $194,000 when the current coverage amount was only $154,000. i was sending my mortgage payments on time...they then imposed the forced insurance in an escrow account. i don't normally escrow. than they send me aletter saying my mortgage payments were short, due to the escrow added amount. so i was short.they then reported me as a late pay to the credit bureaus. this casued bank of america to red flag me and lower my credit amount even though i had no missed payments.of course this changed my ratios and my score went down.

if this wasnt' bad enough my primary residence where i had a an equity line which i used judiciously was taken back because transunion had reported me as alate payment. and guess who the culprit was. yep. wamau..i tried to get it back but they lowballed the appraisal and would not accept an independent appraisal. they finally sent me a lettr saying everyone makes an error and they would correct the info on the credit reports. they did but the damage was immense

On April 29th of this year, my client-investor foreclosed a second mortgage on a home upon which WaMu has a first mortgage. On May 1, we supplied WaMu a copy of the Trustee's Deed, as well as an authorization letter signed by my investor, asking for bring-current information on the first, so my client could bring the loan current. The supervisor of loss mitigation informed me that my investor had no right to the information and that in fact she did not know what a Trustee's Deed is and does not acknowlege that my investor is the owner of the property!

I have attempted to communicate with executives further up the food chain at WaMu and without exception they have completely ignored my requests. You might think they would want to receive payments regularly, but apparently their so-called privacy rules are more important!

At some point, WaMu will want to foreclose their loan, and cause my client more dollars for foreclosure and late fees! This hardly seems fair when they will not provide the information to my client to cure any defaults!

I suffered a double stroke in June 2007. The second stroke left me wheelchair bound, and my left hand completely unusable. It took some time for finances to get in order but I told WAMU about my disability situation and they asked me about doing a short sale. I placed the house on the Market in October 2007 while being told if it didn't sell, they would allow me to do a Deed in Lieu. Well, they received 4 offers (not even close to what I owed) but they received offers and strung my realtor along for five months.

In March 2008, some new guy took over in Loss Mitigation and told my realtor....he refused to take any of the offers because they were too low. WELL we are almost in a recession (if we're not already) and property values werte dropping like crazy. A month later, they went to the duplex, told the tenants they had 30 days to move and that I no longer owned the property. They moved on 5/15/08 and now the property is just sitting there vacant, no signs outside or on the property.

I never was informed by WAMU that they were taking over the property. I was never, ever offered a Deed in Lieu as promised. My tenants did move and I will give them back their saecurity deposit this week. I wanted to respond because if anyone is successful in starting a class action lawsuit against WAMU, I'll be anxious to get in on it.

Other than stress and physical headaches, which I did not need, because there was another place to live at that time I was fortunate to not be homeless with my 2 grown children. We are all recovering at this time. With all the stuff about good or bad credit my credit, I'm sure will be ruined.

WaMu was always a nightmare to deal with for us. In 2005, we declared ch. 13 bankruptcy (re-organisation of debt)and we were told that this would not change the fact that we still had to pay our mortgage at its full amount and no chance of making some kind of change in the payment amount as PER NJ STATE LAW. Gee, thanks NJ!

In March 2006 my mother passed away and my sister and I settled the estate by June. IN July I paid off my mortgage IN FULL. now, 2008 with my bankcruptcy dismissed, my credit report still shows a balance with WAMU of $186,000. I have a letter from the executive offices stateing that the loand was indeed paid in full! They cant communicate to Transunion, Experion and Equifax that I have no debt with them?

Still contacting these people at Corporate to clean up their act and my credit report. I cannot get a small equity loan to fix my house until this is done.

Several months after moving in, I got sick and was out of work. I had enough sick time to cover my absence, but the paychecks were not enough to cover the mortgage. We worked out a deal with Washington Mutual, but we were never able to catch the payments up. We filed for bankruptcy to keep the house. They will not remove the PMI payment; we can't refinance because they report us late every month to the credit bureau. On April 7th, 2008, Washington Mutual foreclosed on our home. On Friday, May 23rd, 2008, we received papers from the sheriff's office that we have to be out by June 19th.

I feel that the mortgage company knew about our credit scores and that they lied to us by telling us our mortgage was approved, and the day before settlement they tell us our scores are too low and they want to add $200.00 to our PMI. We searched for a house that was in our price range, and by adding the extra money to our payment has put a burden on my family. I have been hospitalized twice now with chest pains. We are trying to get enough money together to move, but nobody will rent to us due to the foreclosure on our credit report. I can't see how my kids can respect me when we don't have a place to live.

I was in the process of divorce and in that process had to file bankruptcy. By the advice of my bankruptcy attorney she advised that i continue to make my monthly payments. Which i did the statements had come with no amount due but i continued to make payments. At that time i received a letter stating that they were gonna sell my first loan to another mortage company by this time i started sending payments to the other mortgage company.

Some how the loans got mixed up and all the money i had been sending was applied to the 2nd note and the first never received payment which made me deliquent. I thought it was resolved but received a certified letter today stating that i needed to pay $617 to catch up the 1st motgage. WAMU was supposed to mail me a check about 2 months ago and i still havent seen it therefore i have paid late fees trying to catch up. All i want is for them to send me my check so i can forward to other mortgage company.

Its funny how they can add late fees for not receiving a payment but do we as consumers get to charge late fees for not receiving the money that was to be sent to me in a timely manner. Money that is mine to begin with. Money that i can use as a single parent trying to do the right thing and raise two kids. It has put me in a huge bind financially and mentally

Jameel was one one of numerous people at WAMU who never returned my calls. I notified WAMU before I began disability for a recurrence of cancer. I asked them to work with me to modify my loan, do a loan forbearance, or anything else possible, while I was on disability. I could make the minimum payment but did not know how long the disability would last and had other debts to pay as well. I was told to contact them after I got behind. When I did contact them, I was told I didn't qualify for any modification plan because I didn't have good credit, and I was behind in my mortgage!

To add insult to injury, I had moved out of my house to try to sell it, then needed to move back in. Hoping, that WAMU would work with me. While still in pre-foreclosure and requesting additional documentation from me for a workout, they (1) sent an inspection company to the house - who then drilled out the deadbolt on the house. Keep in mind there is a huge FOR SALE sign by the realty company in the front yard, a lockbox with a key on the front door, and numerous ways to contact me for permission. (2) After I called the inspection company and WAMU to complain, they then CHANGED the locks so I could not get into my own house. When I called WAMU, another anonymous customer rep told me they had the right to do whatever they wanted because I was late on my mortgage, and if I needed a place to live, I could pay for a locksmith to redrill the locks and get a new key.

I was forced to look into a reorganization bankruptcy, but when WAMU repeatedly refused to communicate with me (even though I had a short sale offer on the house), I was advised to file for a total dissolution bankruptcy. Because they were not willing to work with me at all, there was no motivation to try to keep the house even in bankruptcy. I proved to them that even on disability I could make the minimum payments, but they would not consider working with me at all unless I paid every single penny I was late on. They would not roll the amount into the loan, or add it as a balloon payment. I was told that if I could catch EVERYTHING up, THEN, they would consider me for a loan modification. I finally got someone to be honest and tell me that EVEN IF I were to catch all payments up to date, my credit was already ruined and they would NOT work with me. When I asked if I could talk to someone about doing a deed-in-lieu of foreclosure instead of filing for bankruptcy, they said they would send me the paperwork for approval. Just before hanging up the phone, I heard the customer rep say I don't know why these people wait until they get foreclosed on before trying to do something.

I called one more time about being locked out of the house, and was told again, we can send you a key, your realtor can let you in, or you can hire a locksmith. However, no one could assure me that the foreclosure had been put on hold even though a short sale contract had been submitted and I had offered to catch up the past due amounts. I am proceeding with bankruptcy, and am looking to move back home with family.

I tried to be responsible, never complained about the adjustable rate, paid my payments on time, and tried to get ahead of the problem while working through a second recurrence of cancer. I did not want to walk away from the responsibility, I did not want to file for bankruptcy, and I wanted to keep the house, and was willing to keep the mortgage even though the market value had dropped by almost $100,000. WAMU's response was to lock me out of my house before foreclosure, without notice, without permission, without apology, and without legal right.

I would like to know if anyone else has been illegally kicked out of their home before foreclosure, while still being told they are still legally responsible for the debt?

On May 30th 2007 I purchased a home using Washington Mutual as the financial institution. Washington Mutual had the house appraised using their appraiser. I received a home equity line of credit from WaMu for thirty five thousand dollars which their appraiser approved. On March 11th 2008 I paid eight thousand dollars towards my principal balance of thirty five thousand. On April 10th 2008 I received a letter from WaMu stating that my home equity line of credit has been reduced to twenty eight thousand dollars and that I only have one thousand four hundred dollars that is available to me on the line of credit.

My concern is that the other six thousand six hundred dollars now vanished into thin air. When I contacted WaMu about the credit reduction on my home they stated that in 2007 the home was appraised for thirty five thousand more than it was worth and now the value has decreased based on their home value assessment, that was the cause for the reduction on the line of credit. They stated, Even if I did not pay eight thousand on the principal I would still owe thirty five thousand. I should not be penalized by them for their mistake. I consider myself a valued customer because I have never been delinquent on any payments.

I expressed my concern to their consumer lending support center and they have not offered a solution to the problem. I believe that if I paid eight thousand dollars they should apply it to the new reduced amount of twenty eight thousand or they should increase the home equity line back to thirty five thousand. My six thousand dollars should not have vanished into thin air. I would appreciate your prompt inquiry into this matter.

In November 2007 my house payment jumped $1370.00 more a month. I spent December and January trying to find out why, no one knows. My house house gone into foreclosure and a sell date has been set for June 11th.

I have been faxing the same paperwork to countless fax numbers and spent hours repeating my name, address, phone and last 4 digits of my ss# to no avail. I still have no loan modification, no answer as to why my payment jumped so much a month. I have explained myself to tears and now in the next month will loose my home, and my 3 children and I will have no place to live.

Beware of Washington Mutual bank.When you send home mortgage's payment with different checking account. Wamu reps/teller they will throw it away or deliberate to hold it then record it later into their account and charge you with late fees.Meanwhile they use their accuse and blame on : lost/misplate or Post office mistake .I really need help to file a class action law suit.Anybody???

In number of time I've been question with all WaMu branches managers about my issues and they just ignore my issues.

WAMU is refusing to sell a home to us based on our ethnis background as well as taking personal property in excess of $15,000.We have been denigrated, threatened and laughed at.We have tried to resolve this problem for over 3mos but to vo avail.We purchased a home from an individual who unbeknown to us had liens against the property by WAMU. Once we learned we had been ripped off we arttempted to repurchase the property from WAMU at fair market value (through an appraisal of a neutral source) the refused and asked for over $200,000 above the property value but offerred to sell to someone else at fair market value.

Reps for WAMU informed us that they would never sell to us an intimated we were the wrong shade.They kicked us out off the property with 1 day notice and refused to allow us to take our SS cards,pass- ports and the medication need for my children and myself as well as clothing wedding rings,computers and many other items including cash.

We are now homeless.Even worse, an employee in the Executive Office said to get over it and start new and that if someone in my family died we would have insurance to start over!!!We wrote to the top officials at WAMU,Kerry Killinger and Stephen Rotella and they refused to intervene or respond.When we called back we were told these persons agreed with the treatment we received and we should be glad we werent sued for wasting their time.

We have had real estate agents and mortgage bankers call so we could buy the property but when it was indicated we were the purchasers WAMU cut off all communication. While we have called WAMU in excess of 30 times to resolve this problem we have only receive 1 callback though we are promised a response within 48 business hours.Based on their treatment of us we have to assumed this is somehow ethnically based which is illegal;when we suggested this we were told to sue and see how far it goes and that they have been sued before and havent loss.....

We are homeless without medical care, prescribed medication and 98% of our personal property.The doctors feel that I may suffer another heart attack due to the stress ar posssibly a stroke.My children are constantly ill and missing school and my wife is considering a divorce or separation at best.While the financial strain may be intolerable at this point the mental stress on us is incalculable.

I am set to close in a few days, WAMU, after changing the terms of my mtg a few weeks ago, is now wasting time and delaying our closing. I have emails from the underwriter saying she had everything she needed and today, 4 days before everyone else is scheduled and ready, WAMU says there's a problem with the income. They have emailed our lawyer saying there's a problem with the income but YET, have NOT contacted ME to clarify/explain anything. i think I would be the person to ask about MY income.

At this point, after talking to my sister inlaw, a family friend in the mtg ind and my brother in law, an appraiser, it seems we may be victims of a BAIT & SWITCH.. Meaning, WAMU baited us with a PROMISE and COMMITMENT of 5.125% but NOW are scurrying around because THAT RATE does NOT EXIST!!! I am being told by EVERYONE that this rate hasn't existed in months. My lawyer is recommending we seek other lenders! WHY??? Why isn't he STRONGARMING them into the rate they promised us and the rate we signed for with NO POINTS??? Shouldn't my attorney being making WAMU aware of the RESPA & HUD LAWS??? And that by changing ANY part of what they promised and agreed to, they are opening themselves up to being sued for bait and switch????

I am at my wit's end.. It seems like NO ONE in the Realestate Business is ethical or looks out for the BUYER!! Everything's about money no matter WHO gets hurt... WAMU WILL be held accountable for turning my life into the turmoil that they have.

We have lost money for all inspections, surveys, legal fees... We have been through nothing but emotional turmoil since 4/10. I am physically and emotionally drained. I will not have any faith in the legal or real estate professions if this is ALLOWED to go on. I cannot believe there isn't more Federal Regulation of lending ins

We just were served with papers of foreclosure on our mortgage after having the home under contract to sell for 5 months. WAMU was called for a payoff and decided that instead of giving us the payoff they would file for foreclosure. We were supposed to close on the home on April 11th and WAMU filed for foreclosure on April 11th. The government needs to enforce their new rules on these companies immediately.

In january 2008 my husband and I went to WAMU for a mortgage for a home we were buying. We found the home we wanted to buy in February 2008 and Andie, our WAMU mortgage agent, locked in our rate at 5.1%. The terms of the mortgage we agreed to were that we would put 5% of the purchase price as a Down payment. These were Wamu's terms Our closing date was set for April 25, 2008 and everything was moving alone consistently and smoothly.

On April 10,2008, 15 days before we are scheduled to close on our home we receive a call from WAMU and Andie says this: While your house appraised for what you are offering, due to the declining market value of homes we are now going to require 10% of the purchase price to be put down on the house OR 5.75% rate... WHAT??? But we were locked in and the house was appraised at WHAT we offered??? How can you determine if it will deline in value or not.. They're changing the terms o my MORTGAGE because of their ASSUMPTIONS? This is 2 weeks before closing...

Then we begin to read of the events that took place at WAMU days before we were informed of these changes to our LOCKED IN RATE.. April 10, 2008: Last date to submit new applications or locks. May 31, 2008: All WaMu Wholesale Sales Centers will be closed by this date. June 13, 2008: Generally, all loans must be closed/funded by this date. We will, however, honor outstanding loan commitments with expiration dates after June 13, 2008 up until the expiration dates set forth in those commitments. June 30, 2008: All WaMu Wholesale loan fulfillment centers (LFCs) [San Diego, CA; Pleasanton, CA; Downers Grove, IL; and Jacksonville, FL] will be closed by this date. Current Pipeline: *Locked loans with an expiration date prior to June 13, 2008 may be extended per current policy provided the loan is closed/funded by June 13, 2008. *Effective April 8, 2008, a condition will be added to each new commitment which will supersede the normal expiration provision. *Floating loans must generally be locked, closed/funded by June 13, 2008. Again, they may only close and funded after June 13, 2008 if a loan commitment has already been issued and the commitment expires after June 13, 2008. *If a loan is locked with an expiration date past June 13, 2008, it will not be honored unless a loan commitment has been issued and the commitment expires after June 13, 2008. *We are unable to make any exceptions regarding the closed/funded date of June 13, 2008. Again, however, we will honor outstanding commitments with commitment expiration dates beyond June 13, 2008. WaMu will continue to originate loans through Consumer Direct and our Retail Lending channel.

HOW ironic is it that the date my WAMU mtg agent called was April 10? Then I see a news clip about how WAMU Raised $7 Billion on 4/7. I cannot believe that I now have to use this HORRIFIC company but at least I'll be able to refi with another lender in a year or so.. Whatever happened to LOCK IN RATES being contractual? It's also odd that SINCE we put an offer on our home We've RECEIVED nothing from WAMU about our Mtg. No Commitment, no loan agreements.. NOTHING. I am requesting tomorrow that they send me anything and EVERYTHING they have that is associated with our purchase. I am now beginning to think that our Loan Agent NEVER locked us in as she said... otherwise I don't know how the can renege on a CONTRACT!

2 weeks before our 4/25/08 closing date my husband and I were informed that WAMU changed the terms of the MTG we were Locked into and told us that instead of the 5% down that they said they required.. NOW, on 4/10/08, they will NEED 10% down or charge us 5.75% and points.....

Wamu closed a loan on my house without my authorization. They accepted documents that were obvious forgery. The signatures were drastically different. When I brought this to their attention they said there was nothing they could do because I had paid the loan off with another loan. I feel I had to. I was about to lose my house. I didn't find out about the wamu loan until my house was in foreclosure. Is there anything I can do?

The original loan was $100,000. All of that money was paid to 2 people. There was no balance on my house. It had been paid for cash! Now I have this huge balance and I'm about to lose the house again because I can't afford the payments.

We wanted to refinance our home in order to pull out enough equity for us to cover any moving or other expenses while we downsized to a smaller home and to help our daughter with her college expenses. We were told we had gotten a 6-month loan at 1% interest which would have made our monthly payment around $800 month. We were warned that we had to sell within 6 months or the loan would become prohibitively expensive. After things were approved, we waited around 2-3 weeks for the documents to be drawn up. Our agent, Mr. Wigley, brought all of the paperwork to our home along with a Notary. Mostly because we had done quite a bit of previous business with Mr. Wigley, we did not go over the documents. Mr. Wigley did not explain things page by page - nor did the Notary. During the signing process, Mr. Wigley kept assuring my wife that this was a great loan package and all we needed to do was pay the $800/month and sell our home within the 6 month time frame. Because we knew and trusted Mr. Wigley, WE DID NOT GIVE MORE THAN A CURSORY LOOK AT THE PAPERS which turned out to be a huge mistake! We were never informed of any changes to the loan, and we were never informed of any problems with the loan.

The initial Universal Residential Loan Application we received had Mr. Wigley's name as the interviewer. However, when we received the FINAL paperwork, Mr. Wigley's name had been replaced on that document with the name of the brother of the owner of Capital Funding Group. We have never met, nor have we ever spoken with, this individual. When we received our first monthly mortgage statement, the P&I payment was for more than $7,200 rather than the $800 promised payment. In addition, we had been told that Capital Funding would pay for six (6) months of Mortgage Insurance since our loan was so close to the 90% loan to value ratio. In looking at the loan documents we had signed, we also noticed that we had agreed to a 3% prepayment penalty if we sold out house with a year, and a 2% prepayment penalty if we sold withing 2 years, etc. HAD WE KNOWN, WE WOULD NEVER HAVE AGREED TO SUCH TERMS BECAUSE OUR PRIMARY REASON FOR REFINANCING WAS WANTING TO SELL OUR HOME AND DOWNSIZE!

While trying to find out what had happened I was informed by Mr. Wigley that his former employer had closed his business, and he was now working for a relative of the former owner. When Mr. Wigley started asking questions about the changes made to our loan, he was fired from the new company. We soon found out that either Capitol Funding didn't make the promised mortgage insurance payment, or WaMu incorrectly applied that money to our principal and interest rather than the impound account as our payments have skyrocketed. It's been extremely difficult to get access to any of the original paperwork as the former company is no longer in business, and WaMu (our lender) has also been of little help. WaMu has not let me see their records of what might have happened to this money; and as a result our monthly payment to our impound (escrow) account is more than $1,300. When I've tried to show WaMu they are double billing us for home owner's insurance, they tell me they had a shortage and needed to make it up by increasing our monthly payments. This shortage can not be verified in looking at my records. Mr. Wigley is willing to cooperate with anyone looking into this matter since he too was improperly treated (for example, his last two (2) paychecks have never been sent to him).

We will not be able to keep paying the minimum Neg-am payments of $4,500 a month. We have exhausted our savings, we have exhausted our daughter's college funds, and we have been paying the mortgage for the last few months with our credit cards.

Originally we had 5 or 6 mortgages at the same time with WaMu. All were paid off years early except 1 with a current balance of $10,700. The payments are only $220 a month. We didn't risk our credit rating by skipping a $220 monthly payment when our average income is $200,000 generated by 24 rentals in Indianapolis. Last fall we began shopping for a first mortgage on our personal residence. We own a $420,000 home free and clear. A mortgage for $300,000 would pay off everything we owe saving $4,000 in monthly payments but we are being denied a first mortgage by lenders because we had a late payment in the last 12 months. That late payment was the one reported by WaMu.

I argued with WaMu until I was hoarse because I made that payment five days early. I can't produce a confirmation number, and they waited 33 days to call! Several loan officers and their supervisors have called WaMu, but they won't admit they might have made an error in processing the payment; and even though we have excellent credit history, it isn't good enough to take my word. I agreed to make the payment again, but the total was much higher than one monthly payment so I asked for a breakdown. In addition to the late payment I was also charged for the following month (not due for another 20 days) AND $15 for the late payment--and $15 for the advance payment for making payments (2) by phone. I was livid and made no bones about it. One $15 fee was dropped.

Now WaMu is the very first thing on our credit indicating a 30 days late payment, and it is the only one on a 30+ page credit report. As far as I know, it is the only one in 25 years. Those bums didn't call until the 33rd day so they could collect extra fees and unearned interest. How many others have been duped for a phone payment or lost check? Because of one late payment (a payment I made by phone five days before due but not processed), our credit score dropped to 680 from the first tier above 800 (800 according to Huntington Mutual). WaMu has falsely reported a late payment and wrecked our chance of getting a mortgage while the rates are low. Thank you.

Our credit score dropped to 680 (last time I checked) and we have been denied a first mortgage by several lenders because of a late payment in the last twelve months. Lenders have called WaMu, but they won't budge or admit they may have made a mistake processing my phone payment. The late payment they reported to the credit bureaus has kept us from getting a first mortgage to consolidate monthly payments and save thousands a month in payments and interest.

I have long been trying to have my deceased husband's name removed from my mortgage, but no one at Washington Mutual seems to have an address for their mortgage loan dept. All they can give are names of floating representatives who have no interest in resolving problems with existing loans because they get paid to spend their time making new loans. I have been given three different addresses to send death certificates, and none of them are valid. Because my payments come directly from my bank account, I don't have a current address. Is it possible that bank employees have no way to access addresses of their own offices that provide customer services?

I can tell you this, the representative at the office I went to in Merritt Island told me that the loan number wasn't right. As she kept typing on her computer, I thought she was straightening out the situation. She looked up about three minutes later and said, "Oh, you're still here?" I replied, "Yes, Ma'am, I'd like an accurate account number." She responded, "Ohhhh, just eliminate the first four numbers."

It looks like I'll have to re-mortgage just to resolve the issue, but it sure won't be with WAMU! If I want to sell my home or if I should die in an accident, my personal finances will be a mess because no one in this day and age of technology can give me a valid address.

In early 2002-03, I was forced to file a Chapter 11. During the time before all this was occurring my mortgage company sold our mortgage. I don't have the specifics in front of me, but I still have a large folder with all the info. This occurred one last time when Washington Mutual acquired the mortgage. My wife sent payments to the lender before Washington Mutual for an entire year before I finally sold the house and the Chapter 11 was a done deal. My own attorney was telling me: Don't worry about the payments! Washington Mutual was still receiving the payments because I have the cancelled checks to prove that they were diverted over to them. But in the long run they claimed I never paid them for a year. And this became part of my Chapter 11.

They would not give me straight answers and directed my calls to out of state. They would not even give me a last name as to whom I was dealing with. Years went by, I sold the house and messed up my credit worse than it should have been. Upon filing taxes two years too late, I questioned Washington Mutual again on these mortgage payments as I felt I needed a refund. I thought I had actually got somewhere when a girl (and I have her full name on file) said she would look into it. A month later I received the interest form for tax filing purposes(INT 99?) with the dollar amount of the money they claimed I never paid marked down as interest paid for that year. I took what I could, as there was a cap on the maximum interest paid I could deduct. Not sure if I got what I deserved on this one? Payments totaled over 14,000 dollars .

MY Home is getting foreclosed, and I need advice. On several occasions I have spoken with several WAMU Representatives. I called the numbers that were listed in the paperwork that was sent to my home. I am beginning to believe that it does not matter if it is a customer care representative, or even a manager/supervisor at the local branch. I believe the result is never what it should be, and I am realizing that the service is almost always below average. The normal call usually ends up with me being transferred a couple times. (I have been told, it is because they are working out the phone system issues--supposedly still after a year.) Ultimately the call ends up with someone who does not put any notes in the system about my concerns, but informs me they are documenting everything. Then a few weeks go by, and I get another letter. I am sure this is because my previous calls were not documented properly; or the notes, if they were recorded, are probably located in a different part of the system that they cannot access at this department. (This is a typical response from one of their customer service reps.) The entire customer service experience with WAMU has been nothing but a waste of time and a huge inconvenience to me.

I have contacted The Better Business Bureau; however, since WAMU is sprawling everywhere and has call centers across the United States, it seems my complaints fall on deaf ears. I would like to point out that I have been working with loss mitigation steadily for months now. I have sent in whatever was asked of me in a timely manner. I also requested on numerous occasions to be transferred to an agent who is at least in my time zone. I was completely shocked when I was expecting to get a letter of approval for my loan modification, and instead I got a letter saying No Response and a letter from their Attorney with a Sale date of May 18th, 2008. I have enclosed pages from my Cellular provider (Sprint) that clearly shows I was taking action. Every time I called specifically, the representative I spoke with (Loss mitigation, foreclosure, home preservation, customer service, etc.) failed to document every call. I also made calls from my home phone, and those toll free calls are not documented. I have a detailed list of the calls from my cell to WAMU that were documented. After speaking with loss mitigation on Dec. 3rd, I was informed that all information that was required by me had been submitted, and my loan modification program was just waiting approval.

My Principal amount on my loan is not going down. I have been with this company for years & I owe almost as much as when I started. I don't think they are applying my payments correctly. Also this company becomes very threatening if you are late on your payment. Threatening foreclosure when you're not even a month behind. They also hold your checks and then charge you for a late payment

This is causing mental stress.

My sister and her husband fell on hard times because of the son-in-law abandoning pregnant wife and children and asked the bank to work with them on an overdraft fee. WaMu bank refused and is collecting fees daily .

They are losing their home, they have no money to move elsewhere, and have 3 grandchildren plus a daughter to take care of. They have been put in a terrifying position because of Washington Mutual not willing to work a little with them. My son and daughter-in-law have been customers of the bank for 20 years, and they are closing their account because of this.

I applied through WAMU home loan center via phone. I was approved and offered specific terms for the loan. After finding the property and getting back to them I received a commitment letter directly from the office manager. The terms that were on the papers at closing were very different and in their favor. By this time, I was already committed and due to our specific situation had to close or would have incurred @$20,000 in costs if we had not closed that day. Without another lender lined up and ready to go right away we signed. Since then I have been trying to get the issue resolved (or at least the prepayment penalty canceled so I can refinance with someone else). I spoke to so many different people in so many different departments now. The office manager will not return phone calls, e-mails, letters. Now the executive resolution center will only refer me to their Ft. Worth Texas center. That office won't speak with me any further because I have OTS to report their dishonesty.

My image has definitely suffered after I was unable to smoothly carry out this transaction. My real estate broker as well as my attorney and coworkers have all lost confidence in my professional abilities as an investor due to Wamu's incompetence. Never again will I use them! Secondly, I pay an unnecessarily high interest rate which was outbid by other lenders in the initial stages. Then Wamu dishonored their commitment. The income property now costs me out of my own pocket monthly, until I can refinance which will be more costs as well.

In July I signed up for AutoPay with WaMu to have my mortgage payments debited automatically from my checking account. I misunderstood when the autopay would start and the 7/07 payment never was debited, I overnighted the payment and it took them 2 weeks to post it. Then it was August and the payment was not debitted. I got a phone call from WaMu and authorized a debit for the 8/07 payment explaining about the autopay. The person on the phone wanted me preauthorize the September payment, and I said I was afraid to because of the autopay. She said there was nothing in the system for it so I preauthorized a September payment. The August authorized payment went thru. Then the 9/07 autopay went through, and then the preauthorized payment went through. Now my account is overdrawn (dramatically). I called, and it seemed all taken care of: they reverse the payment and eat $76.00 in overdraft fees. This all ocured from 9/16/07 to 9/21/07. On 9/24/07 WaMu redeposited the preauthorized 9/07 payment. Now I am overdrawn out of control and have over $400.00 in overdraft fees. I could not reach anyone at WaMu over the week end to resolve this and my bank said their hands are tied. They couldn't do anything. I got through to WaMu this AM and they say it isn't showing and fax them the print out from my bank. I have not received any response.

The first time I had drive home on empty and borrow money from my 87-year-old Aunt who lives with us. This time I can get home from work (I commute 70 miles each way) but don't know how I'll get to work in the AM. I can't pay my bills, buy groceries, get oil delivered to heat the house. My husband has kidney failure, is on dialysis, waiting for a kidney transplant, and I can't buy his medication. If I am not reimbursed the overdraft fees, I will not be able to pay my mortgage this month.

Washington Mutual Bank did a buy-out from Sierra Pacific Mortgage and took over our account. When my wife did not receive a mortgage payment notice, she contacted a representative at Sierra Pacific and was told there is a time period of 30 to 60 days for everything to get caught up with the new bank receiving all the accounting information. My wife was further advised to call Washington Mutual and check with them as well. When my wife called Washington Mutual Home Loans, they did not have any information in regards to our account.

When my wife informed the Washington Mutual representative of the buy-out from Sierra Pacific Mortgage, the person she talked to told her the same thing as the representative from Sierra Pacific, that there is a 30 to 60 day grace period for the information to be updated into Washington Mutual’s files, and the mortgage payment billing would be sent out.

After my wife sent a payment in, we were hit with a Notice of Collection. When we sent letters to Washington Mutual, they ignored the letters and placed a 30 day late payment notice on my credit report. Washington Mutual also demanded another payment (therefore a double payment) to bring our payments up to date.

Washington Mutual filed foreclosure against my property in June, 2006. I had gone through their Homeowners Assistance Program in Jan 04, which ended up being a nightmare and only the beginning. I never missed a payment since the Loan Modification Agreement was signed in March 04.

I am now eight months into my fight. I have attorneys fees of almost $5,000.00. Attorney and myself just spent 5 hours on Saturday figuring out their creative accounting practices.

I have received mailboxes full of fliers from attorneys, real estate agents, etc. to represent me or sell my home. I have had more phone calls than anyone can imagine. I have even had people knocking at my door. This has ruined my credit. I cannot even finance a car. I have become physically ill - shingles. I have gained almost 40 pounds. And I have NO savings left whatsoever.

My heart bleeds for those who do not have the money to hire an attorney and fight. I find it hard to believe that I am the only one that WAMU has done this to. Remember, I cannot refinance or sell at this point. I am stuck with these folks.

I originally had a loan with another company for my modular home. It was bought out by Washington Mutual. It went from a fixed rate to an ARM. I had no input nor was I given any consideration when this was changed. Washington Mutual has ruined my life. I also worked with a loss mitigation specialist who promised to help lower my payments but instead almost doubled them. I am going to lose my home because of this. They never send a statement. They call when I am not at home even though I have told them the hours I can be reached at home.

Because of the dirty tricks by this company I am now in danger of loosing my home. I am now taking heart medicine, blood pressure medicine, and insulin. I did not have any of these health problems until Washington Mutual entered my life. I have even had reps that I have tried to talk to tell me to get the hell over it. I have been lied to and have been a victim of every dirty trick this lender has up it's sleeve.

My husband and I own a real estate brokerage firm. We are Realtors and we also have origination licenses. We originate first mortgages and refinance mortgages for a local mortgage broker. We are very knowledgeable of FHA, FannieMae, and all of the government lending guidelines. We are extremely aware of all of the unscrupulous, predatory practices of many of the sub prime lenders. In September 2005 we were granted a 90 day deferment to pay our personal mortgage on our personal home with Washington Mutual because our home was located in the Katrina/Rita Disaster areas. We made our mortgage payment on November 30, 2005 as agreed with the deferment agreement. Washington Mutual told us that we would not be reported as late and that no late fees would we added nor collected during this special 90 day period. In December 2006 we had our credit pulled so that we could refinance our mortgage out of the ARM which has been increasing by 1% every six months, only to find that Washington Mutual had not only reported our mortgage late during the 90 day deferment period but that they had in fact reported our mortgage as 6 months late which is considered in a foreclosure status to most lenders.

Going through hardship, I contacted WaMu regarding my home payments; I was three months behind. They set me up with a Loss Mitigation Specialist who said she would work with me to try and refinance to a lower house payment. This was March of 2006. After faxing and mailing all the information she requested, over a period of 4 months (she kept requesting more and different info everytime I talked with her) and, in the mean time WaMu started foreclosure proceedings, she finally sent paperwork. Not for the refinancing, but to pay back the attorney fees for (2) letters sent out by their attorney in the amount of almost $3,000.

Then, after 4 months of payments, I receive paperwork in December for the actual refinance. Not only did they get the paperwork wrong, the monthly payment went up, not down like promised. I call WaMu to inform them that their paperwork was in error and I get directed to a new Loss Mitigation Specialist who informed me that the paperwork sent to the first Specialist was missing and I must start all over again. He assures me that until I get the new paperwork, nothing will happen to my account until they get their error corrected. Right!!! I have tried faxing the paperwork to fax numbers that do not answer, I get the run around when I call to speak to ANY supervisor, and my stress level goes through the roof everytime I try to get a live person.

Because of this past year's worth of trying to get help from this company, I have lost many hours of my life on the phone, faxing to unusable fax numbers, and worries of losing my home.

Washington Mutual has threatened foreclosure on my home 5 times in the last three years! Each time they claim payments have not been made and I get a letter with ridiculous amounts due in order to cure the default. Each time I have had to prove their records are incorrect. In order to do this I have to take days off of work and spend HOURS on the phone, being switched back and forth between departments and each time I'm transferred I have to start over explaining the past three years experiences to phone operators who act like they could care less.

Every now and then, I get a person who seems willing to help, but then there is no follow through. When I follow up, there is no record of the conversations I have had with them previously. No one has an extension number that I can use to reach them again. Each time it takes at least two months of my life to get resolution, during which time I am pushed to my limits by the stress. Each time they have researched their records and found they were incorrect, and all charges are dismissed. A few months go by, and then they hit me again.

I am at this moment going yet another round with them. Today I took off work and spent 3 hours on the phone talking to 11 different people, none of which had access to the records which show my account as current. At this point, I have faxed documents to them showing the results of their last incorrect claim (6 months ago) and copies of their statements showing the payments I have made since then. Being just out of Ch 13 bankruptcy, I cannot qualify for a new mortgage with a decent interest rate. I am currently trying to sell our home just to get away from Washington Mutual's incompetence and life-disrupting antics.

In the process of selling our home, we discovered that a line of credit had been taken out on our property. A Ma Alexander Kuang Shin has a $173,000 credit line (revolving) on our home of address. This loan was provided by Washington Mutual. We spoke to Washington Mutual on many occasions trying to clear up this dilema. They are unwilling to help or investigate this situation. They claim they cannot look up any such accounts unless the actual loanee asks for it. Washington Mutual suggested we contact ITC title company, and ITC says to contact Washington Mutual. The sheriff will not do anything without an account number, which we don't have. We feel there has been some fraud in which our home was used as collateral. We are not wealthy and cannot hire an attorney, or private investigator.

Currently we cannot sell our home and with the current drop in property values, will lose money in the next few months.

I paid the May mortgage payment late and was in the process of paying in Aug (all payments, June,July and Aug) when they sent back the May payment and foreclosed. I cannot get in touch with the attorneys representing them and am trying to get in touch with their work out dept. I was trying to catch up due to my son being involved in a divorce, which has cost me personally $45,000 i had to borrow and am repaying it, plus he borrowed $50,000 on his home.

I am in my late 60's working and going through emotional and physical trauma because of this divorce and now this foreclosure. I simply want to pay the mortgage and get on with my life.

Washington Mutual Mortgage decided we needed wind insurance for our home. We already had wind insurance on our current policy. No one notified us about this change! Our payments went up over $300.00 a month. My husband and insurance agent worked on getting the bogus insurance removed and our payment back to normal. We were told that it would be corrected. Our house payment was supposed to go back to the regular amount and the money they took from escrow repaced. Today I received a call telling my the payemnts were still wrong and they were once again taking the money out of escrow. I tried to explain the the woman about the insurance mistake, but she wouldn't talk about it. My husband is once again taking off from work to go to try and straighten this out. Washington Mutual is not helping us.

We are being charged $300.00 a month more for insurance we already have. They are depleting our escrow account and will not replace it.

I have contacted Washington Mutual on more than one occassion for failure to pay my property taxes. Taxes were due on 3/29 and the response received Please accept our apologies a property tax payment was made from your escrow account on 04/12 all penalties were paid from our funds. Now, they paid my homeowners insurance in error and cannot reverse their mistake.

This error will reduce the amount of money in escrow and in turn I will not have enough to cover taxes.

I was discharged from a Chapter 13 back in November 05 and was to start making my regular payments in December 05. I made two payments in January 06 which would have been December and January's payments. I did not make February's payment, but did receive a statement that a payment was made in February. I called and talked to WAMU in March and was informed that I was four months behind and in Foreclosure. Of course I freaked out, knowing that I only owe two payments not four.

I was ready to pay for the two months that I did owe, but they wouldn't accept that and told me to hang on to my payments. They made the mistake not me and now I am paying for it.

My home is in foreclosure in a non-judiciary state which means no court hearing to dispute this. They are wanting my house so bad there is already a sale date. I have faxed a payment dispute, but of course that takes time. So what do you when they are holding all the cards and you know what you owe them and it is not four payments. I have already been at the bottom and this company is trying to put me there again.

House went into foreclosure after husband lost job. Washington Mutual uncooperative. Put house up for sale through RE/MAX. Thirty people came through and only one buyer. There is a signed sale contract in the amount of $294,900 that Washington Mutual is refusing. Because of a "driveby" inspection, they feel we should get more money for the house. The house is in need of lots of work so potential buyers were turned off. Washington Mutual is charging us $630.10 for this driveby inspection. Nobody from this outfit stepped foot in this house to inspect it and they are charging us that exhorbitant amount for someone to inspect from the street?

Tomorrow, March 29, 2006, is the sheriff's sale because they refused to accept the buyer's offer of $294,900. Washington Mutual wanted the co-brokers to come down on their commissions but refused to adjust their own fees. Their other fees are: $3,379.50 for attorney costs; $1,250.00 for attorney fees; $5,159.84 for sheriff's commission. Why should someone get paid $630.10 for inspecting this house when they never even came inside? Julie in Loss Mitigation is one of the nastiest people I have dealt with. (Plus, she doesn't have clue as to how to read a bank statement!)

My realtor and my husband spoke to her and agreed with my assessment. So tomorrow, March 29, 2006 at 1:00 p.m., the sheriff's sales takes place and if Washington Mutual gets a satisfactory offer, my daughter and I will be evicted. Maybe, if there is a God, Washington Mutual won't end up getting the exhorbitant fee of $630.10 for an inspection that never happened. When I grow up, I want to be an inspector for Washington Mutual. When I really grow up, I want Washington Mutual out of the home loan business.

As a result of the mergers and acquisitions in the finance industry in the late '90s early '00s, I ended up with existing mortgages for both my home and rental property being taken over by Homeside, then by Washington Mutual Home Loans. When they changed over the existing loan numbers to their numbering system, a year later when they changed their own numbering system due to their database software upgrades, when they first implemented "ACH Drafting automatic draft service"; all these would end up with me getting a delinquent loan payment threat letter for one property mortgage or the other.

Each time the onus was on me to contact customer care, so I would have their record of me paying them as well as my bank statement. Armed with these, then I would have to fight with the Credit Dispute and various other departments to get the threat letters stopped and the late fees removed. None of this guaranteed that the “credit delinquency” was removed from all three credit report agencies.

I enrolled in Washington Mutuals ACH Drafting when they launched it thinking there would be less chance of them screwing it up. Four months into it, I’m on the phone with WashMut Customer Care who are telling me this month is late and I’m not even enrolled in ACH. Had to jump through all the same hoops again to get the late fees dropped.

I went back to paper checks and when they contacted me to ask why I wanted to cease enrollment in their ACH Draft service I told them I thought they were too stupid to operate it. I thought WashMut was just maliciously trying to rack up as many late fees as they could but I became convinced after a while that they were really just incompetent.

WashMut contacted me end of ‘03 to solicit my enrollment in ACH again with assurances the bugs were out of their program/process, but the same thing happened again.

During the sale of my rental property in ‘04, for the purchase of rental properties closer to home, I took the opportunity to change the mortgage company on my residence from WashMut as well. The purchase of the second rental property was held up for about a day for a “credit delinquency” in my record. WashMut should be required to remove their mistakes from all three credit reporting agencies.

For the past 6 to 8 months we have been trying to get the proper payoff amount and have had NO success. WAMU is overcharging and not applying payments properly. I am at my wits end and am filing a formal complaint with the Comptroller of the Currency and Equal Housing Lender. I will also forward this via email to Channel 2, Channel 4, Channel 5, Channel 7 and whoever else will listen because we know Washington Mutual is NOT!!! You really need to have someone take care of damage control. Because this is a train wreck waiting to happen.

All I want to do is refinance and get a better rate and not have to deal with Washington Mutual anymore… I cannot take it!!! I am going to have a nervous breakdown, heart attack or some other health issue. I am finished with WAMU not applying my payments properly and are trying to double charge me for property taxes. I did not sign or apply for an impound account!!!! What is up with the property tax issue? Chicago Title stated that they paid my property taxes and The Sonoma County Tax Collectors Office has now informed us that they have returned the payment that Washington Mutual said they paid in the amount of $5310.58 dated June of 2005 which would have been for my property taxes of 2004 which we are now told Chicago Title paid for.

So what’s up with that, why are you still trying to get the money from me??? Why are you still treating this as an impound account when it is NOT an impound account!!!

Our home loan was transferred to Washington Mutual. It took several months before we even received information on where and how to make payments. The customer service department is rude, unknowledgeable and unhelpful.

Also, unlike most mortgage companies today, Washington Mutual doesn't provide a way to make payments online. On the other hand, Washington Mutual makes applying for a loan easily accessible online.

I firmly believe Washington Mutual doesn't make this option available in order to pocket more late fee income.

This company has consistently failed to post my payments thus causing my payments to be late and billing me late fees. They have also changed payment addresses more than four times and further claim my payments are late. I have made all payments and they have entered my property into foreclosure. They lied to the court claiming I have not made several payments and later stated they are holding onto the payments.

I made my home loan payment for April 2004 on time, as usual. WAMU did not cash the check until June 21, 2004. They reported it as late and the person I talked to at WAMU was really nasty when I asked them to remove it.

Foreclosure procedings started after I called asking about balance on account. They informed me a returned check 10/04 1747.26 and no payment 7/05 balance owed $3473.67.When advised something is not right and I called them back advising an error in the amount of the returned check and where is the other money. They said I would have to get a copy of my cancelled check. Within 3 weeks (November) they sent foreclosure papers saying I owed for Sept-Dec 05. I paid November, they sent it bak mid December, and refused my Dec. payment.

There is more, but the bottom line is they orcherstrated the situation to meet their needs. I had the money arranged to pay in Dec. and they said I have to go through their attorneys ie pay $2000 in legal gratuity. They did tell me also, I took to long to get back to them.

Washington Mutual has misapplied our mortgage payments for more than 6 six months. They did the same thing last year, it took us months to get it straightened out. They have done it again. Customer service is useless. They all say the same thing, fax a request.

This company holds our payments and then bills us for 2 months with late fees. I have mailed the payments with tracking numbers and they are received before the payment is due. They are in the processing of doing the same thing right now. They claim that they have not received my payment for December or January and now are asking for late fees. This is a racket with these people. I bet if you check into this that you would find a lot of this.

Washington, which holds my mortgage, consisently mis-posts payments to my account, requiring me to make telephone calls to correct. Some telephone operators are rude. Supervisors always are. With each payment, I send extra money to apply to my principal. Invariably I find that the money is either not applied to principal or is applied to future payments. Not clear to me why the posters would make those decisions rather than following instructions on the payment remittance, which is quite clear as to where the extra money should be posted.

My parents were behind on my house payments due to illness. They had been talking to the same person at Washington Mutual. They sent a check to catch up all the payments. Only to find their check being held--The company said it was short. After my daughter talked to the company it was discovered the check was $21.00 short. Washington Mutual held the check and sent my home into foreclosure.

For over a week we have been talking to the same people to get a final amount to remove the home from foreclosure. They keep putting us off, and will not give us a figure. What can we do???? The attorneys working on this case is a huge law firm in Atlanta that only handles foreclosures. How do these people live with themselves?

Received November 2005 Statement indicating I had missed a monthly payment. Contacted Customer Service and was told I had missed June 2005 payment. I denied it and faxed them copies of my bank statements and copies of my cancelled checks. Never heard back from them concerning "missed payment". Received December 2005 Statement once again showing I had missed a monthly payment.

Called Customer Service and this time they stated I had missed July 2005 payment. It evidently didn't do my any good to e-mail them copies of my statements and cancelled checks. In addition, I had mailed them a letter with copies of those 2005 Statements and cancelled checks. Since they now told me on this date (12/27/05) that it was July 2005 payment I had missed, I once again, this date, faxed them copies of my cancelled checks for 2005 which they cashed. I requested they call me to straighten this out, but have NOT heard from them and they still insist I missed a payment, even after I sent them copies of my cancelled checks.

The only response I received from them was a letter stating that I had been short in my payments during 2004, and owed them approx. $151.00 towards my Escrow, which I will pay when I make my next payment.

Washington Mutual (WAMU) took over my loan from Great Western Bank some years ago, that I initiated in July of 1979. There were occasional problems but the real incompetence did not emerge until I attempted to obtain insurance coverage on my now-vacant property so I could begin rehabilitation. Previously WAMU had forced me to initiate an escrow account to cover property insurance on this address.

When I first contacted WAMU to inform them that I had obtained my new coverage on my own and that the property is now vacant, the individual I spoke with assured me that WAMU would pay my insurance company with the funds set aside for that purpose. Foolishly, I believed that story. Needless to say, they failed in their promise. The second call went very much like the first with considerably more rancor on my part, but the result was the same.

The third call resulted in yet another promise to send payment and now involved my agent directly, through a faxed billing for the premium WAMU had previously collected for that very purpose. The fourth call was very contentious and not at all pleasant. WAMU employees continue to insist on doing things in their own timeframe despite the major disruptions they have occasioned in my life due to their entrenched and epidemic lack of competence and their abysmal ignorance of the concept of customer service and business ethics.

To this day, they hold my money extracted from my hide for the purpose of paying for insurance coverage and steadfastly refuse to pay for te coverage I have arranged.

My loan was with Homeside Lending in Florida when it was bought by WAMU. The only way I knew this had occured was I happened to be working there at the time. They changed the mailing address numerous times with no previous notice, I went for over one year with no coupons or statements with which to send in my payment, and at one point, while working there, I was told that I could now send my payment into the servicing department in our overnight work and it would be posted the next day.

The servicing department lost it! They were going to charge me a late fee until I explained what had happened. After I left Washington Mutual, the mailing address changes continued so I would just take my payment to a local branch once they could finally process them. The final straw was when my mother took a payment up to me and was informed that the payment had been increased by $40+ dollars. They had violated numerous deed restrictions, but after talking to old friends at FNMA (where I used to work and who owns the paper) and the Assistant Attorney General of Texas (who agreed that they were in the wrong) I was convenced that there was no way I could take them on. But believe me, if I had broken any of the deed restrictions, they would be calling my note!

I have paid extra interest for 2 months on a loan that should have been refinanced by the end of Feb. I have taked hours of my time calling and trying to get a resolution to this. Emotionally, I have been very frustrated and angry to near tears at time. I cannot get anyone to help me.

I did this until I recieved a letter saying I had late fees. When I asked the reason for the late fees I was told payment was not received, when I said that was not so because I am ahead with my payments I was told my account is not set up for split payments which no one told me until I brought it to their attention. My problem is why did someone not contact me when the first split payment was received and where did the late fee come from? Adjustments were made but now my interest has gone up and so has my balance.