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Washington Mutual Mortgage

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Thomas D. Avazian of Miami, FL February 18, 2009

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.

Paul D Steinberg of Babylon, NY February 7, 2009

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.

Lonelyss of Northridge, CA February 6, 2009

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.

Amanda of Boise, ID February 3, 2009

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.

Nicole M Beck of Milwaukie, OR January 31, 2009

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

Harriette B. Ware of Carson, CA January 31, 2009

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.

Diana of Wesley Chapel, FL January 29, 2009

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.

Joan of Piscataway, NJ January 28, 2009

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.

Patricia of Detroit, Michigan, MI January 28, 2009

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.

Shawna Crayton Renando of Monroe, WA January 26, 2009

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.

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