|
|
Paul of Arizona City, AZ May 8, 2009
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. Debra of Harwich Port, MA April 24, 2009
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??
Brenda of Erwin, NC April 21, 2009
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. Fern of Richmnd, CA April 20, 2009
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.
Robert of Detroit Lakes, MN April 18, 2009
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.
Jennifer of Fife Lake, MI April 18, 2009
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.
Adrienne of Kearneysville, WV April 16, 2009
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.
Evelyn of Sussex, NJ April 7, 2009
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....
Ibrahim of Beaverton, OR April 4, 2009
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.
Brad of Bradenton, FL April 1, 2009
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.
Report Your Experience
If you've had a bad experience -- or a good one -- with a consumer product or service, we'd like to hear about it. All complaints are reviewed by class action attorneys and are considered for publication on our site. Knowledge is power! Help spread the word. File your consumer report now.
|
|
|
MOST-VIEWED PAGES
|
|
NEW COMPLAINTS
|
|
|
Print This 
Email This
