Washington Mutual

I was notified by Washington Mutual on May 21, 2008 that I had not paid my mortgage "in a while". I was also told they told a "credit bureau" about a late payment. They claimed I had not paid April thru May 2008 or $2,655.00. In fact, I had paid $2,215.72 (the actual payment less their profit) for April and May. I have copies of the check as well as a copy when the check cleared the bank (March 18, 2008). I also had written on the coupon that the payment was to be applied to April and May's payment. In a fax from WaMu they showed they had received the payment March 17, 2008. They had misapplied it.

They were to contact the credit report agencies and clear my credit. They did not. Experian and Equifax show a lien in the amount of $19,426 today! In May of 2008 I obtained a reverse mortgage from One Reverse, a Quicken Loan group that handles reverse mortgages. They found the lien and paid $24,511.84 to clear it! They should have never given Washington Mutual that money for the lien. There never should have been one. Washington Mutual took money that belongs to me! They should have removed the lien when I proved the payments had been made and on time! They did not. When they got the money from One Reverse they still did not remove the lien. It is ruining my credit! I have been denied credit cards because of the lien. I have proof of everything I am telling you. I want:

1. My credit cleaned on Experian and Equifax.

2. I want a check in the amount of $24,511.84.

Washington Mutual made a habit of accusing me of not making payments when in fact I was paying for more than one month and always on time. If you want to check with One Reverse, my loan number is **. Please take action on this complaint. I need help to recover my damages!

I had overdraft protection for up a $1000. Then suddenly I didn't and was not notified. I went in to find out what was going on and was told they no longer offered the overdraft protection. The charges went from a minimal amount with the protection to quite a large amount without the protection. Over half of my disability check was being taken for the charges. There was no way I could catch up. It got to the point that my entire check was going towards the payments therefore my account was closed for an outstanding negative balance.

I no longer work for Wamu which is now JP Morgan Chase Bank. I received the forms in Feb, 2011 to make an option to either roll over my retirement benefits or take as lump sum distributions. I mailed everything including a notaized consent form from my husband (now seperated) who resides in CA, and had to go through mailing him the docs and waiting for it send back to WAMU. In April, Wamu sent be the same forms back again saying the forms were incomplete on my part and would not accept the same forms if I just refilled the missing information.

I had to go through the same things again, sending over the forms to my husband, having him go through the notary process and resending everything back to Wamu on THEIR PREPAID ENVELOPE on April 27, 2011 via post office. I called them a week later in May to see if they got my forms. They said it hasn't arrived and now the payment will be delayed to July 1st, since they didn't receive it by MAY 1st. I called on JUNE 9th to follow up and see the status, and they said, they still haven't received the mail and now the payment will be delayed until August 1st. They made me fax the forms which they were said they will accept to proceed the payment.

My complaint to them is, Why didn't anyone adviced me to Fax the documents earlier? Why there is a 2 month delay in distributing MY RETIREMENT MONEY? Its not my fault that they didnt receive the mail. It was their PREPAID ENVELOPE. I asked the post office if I could expedite or keep track on the mail, but they said I couldn't. I need help to see how I can have them send my money by July 1st. I have waited LONG enough and its just not fair for them to hold on to my money like that.

I obtained a credit card from Washington Mutual a $1,900.00 Limit and payment protection from this Bank. I owned $975.00 and paid on time. I lost my job in Oct 23, 2008 and I informed Washington Mutual of my job loss, they told me I was to go thru Chase because they were being acquisitioned and merging with Chase.

I called Chase in Nov of 2008 and they said I did not inform them on time of my job loss and the protection was not valid and yet I was still charged for it, and I told them I had just lost my job and they refused. I could not make the payments and now I am told by the Chase attorney that I owe $2,627.08 as of Nov 8, 2010 and threatening a lawsuit.

I had a credit line with WaMu for $4,500, and I worked hard to pay it off completely. So what does Chase do to reward me for my good behavior and paying off my credit card? They reduced my credit limit to $500.

At first, I kind of thought this might be a good thing. But then, I realized it negatively hurts my credit. I have a bank account with these idiots too, and they have gotten very slimy over the past two years since Chase took over. Now, I'm done banking with them. Spread the word; these guys are just as bad as Wells Fargo and BofA and then some.

I had decided to insure my property with my own insurance because it was too much using their insurance. I do not live in Florida so I had my daughter who has lived in this home for 16 years insure it and is on the deed of the home. In February 2008, she insured it with outside insurance. After several times of my insurance company faxing them proof, I would still receive papers of me owing mortgage payments because they were still insuring my home emptying the escrow account and taking my payments and using it to fill the escrow account, making me look like I was missing payments.

This took place for two years; they ask for several amounts of money to fix this problem and still they were unable to fix it as promised. They then asked me to add my name and said they would reimburse me the money for the two years they insured me. I never received that money; they also came up with a way of my owing them with no consult. I then received foreclosure papers and I have tried to fight this but someone needs to find out what happened and fix this problem. My daughter got the money from a car accident when she broke her neck and we have lived here for a long time, 17 years. I only owe $42,000 left and I think this is crazy.

I went into an agreement with Washington Mutual for a land exchange because there was a developer who wanted to build around me and could only build if they could get a piece of my land for their entry road.

I had a childcare business that I had for at least 15+ years where I was more then capable of supporting myself and helping with financial obligations pertaining to the continuing education of my two daughters. The developer made promises concerning the installing of a underground culvert that would help them to stop the continuing movement of their land, making my land also move.

When I refused to sell a portion of my land to the developers, they in turn refused to put in the underground culvert that would not only stop further land movement, but also help with drainage and reinforcement of a future road that would be made behind me. I reminded the developer that this culvert was part of the resolution to them getting the road and the developer then said he would take care of any problems I might have. I was lied to and manipulated into believing that this man would follow through on his word - I know, how naive!

Since there were so many changes that this developer made and none of them make it to the formal contract, I asked for a letter that would spell out to anyone needing to know the other changes that either had occurred or would occur in the future. This way, I felt all my bases would be covered. This letter was to be written and sent in 6 months, if not sooner. The letter never came. This company has also built up large mounds of dirt around me and the land has depreciated in value.

This developer came on to my property to dig some holes for shale/dirt samples. While on their way up my hill, their diesel fuel came and landed in my pool. Not connecting the dots, I got into the pool to try to clean it and I broke out in sores that looked like burn marks. There is so much more to this story but to fast forward, the developer started moving his dirt from the hills to the side of me and misjudged a hill and poof - a bigger landslide. It obviously became apparent that the land they were exposing all us to was serpentine (asbestos). My children's parents became nervous, and under extreme duress, decided to remove their children from my care. I really cannot blame them since there was a lot of dirt in the air. The air traffic controller put on their machines only once a week even though the developers worked 5-6 day a week.

I lost all my children except one and notified Washington Mutual that I needed help. Between Jan 2009 to June 2009, Washington Mutual lost my paperwork 2 times. I applied online the third time and in July 2009, I was approved for a loan modification. I was told that the packet would be coming in the mail shortly and I was to sign and send back ASAP. They even gave me the amounts I would be paying. Again a lot happened here but to make a long story short, they played with my head and spirit until it was to late.

My home was to be sold the very next day but they gave me an extension at the last minute. I went to Oakland, CA to the city hall steps to see how the process of selling a bank-owned home went and because I wanted to see if what I was suspecting was correct. Sure enough, there on the city hall steps was the attorney to that same developer who had put me through so much already - waiting like a vulture. After being promised that they would help me, I was rejected with the excuse that I had not filled out all the paperwork. I feel by that time the developer had already been in contact with the bank.

From there, I went to another attorney and told him I needed some help. This man told me he had been a real estate attorney for 30+ years and assured me that he would help. He ignored the unlawful retainer where I could have pleaded my case in court but he chose to ignore it. I only found out when I saw the letter from Chase's attorney in San Diego. I was never served from the Chase attorney and they served someone I had never heard of.

My attorney went in a totally different direction trying to get me a loan. He never asked me how much I made or if I could even afford payments from these loan sharks. That's about the only way I could get any kind of loan after having worked on my credit for at least 40+ years and have it dissolve before me.

I am presently in the process of going after this developer and would like to know if anyone has heard of a lawsuit going on with either Washington Mutual or Chase/JP Morgan. I would be glad to add my name. I gave them every chance to work with me and they refused. The complaints that I read about them are all the same. People tried to work with this bank and then they lost their paperwork. I think Chase, who purchased Washington Mutual, would not work with me even though I had already paid at least $244,000 because they wanted more money for themselves since Wash Mutual had gotten my payments and because the developer and them were already talking.

The office of the Comptroller of Currency where a complaint was filed was a waste of time. I really don't know what these people with supposed power are doing with it. It surely is not helping us US citizens.

The REO realtor refused to put anything in the MLS about the landslide. The house has been on the market since March 2010 and I have just received notice that someone is paying the taxes and getting a homeowner,s policy so I guess it has sold. I am still going to fight. Chase refused to reverse the rescission even though that was the request of Senator Boxer's office, another dead end.

How can this happen to so many good people? And yes, I put myself in this category.

After many tries to get an attorney, I am representing myself. I have no choice. This developer has gotten to many of these attorneys who said they might help me but then refuse because of a conflict of interest or they have suddenly gotten busy.

There is a new law AB 590 that could have helped me legally but even though it went into effect in January 2010 it will not go into the final stages until July 2011. Did I mention that I am 64 years old and have lived in this home (my family home) for 40+ years. My daughter and I live here together and we are both disabled. I would like a response as to what I have written. Thanks.

We have tried to get this house refinanced through Washington Mutual/Chase 3 times now and the problem, they will not refinance our ARM 12.55% adjustable because we don't have homeowners insurance. We can't afford the insurance, and they will not refinance.

I have had two individual retirement accounts in Washington Mutual bank (IRA CD). Every time when I change CD term, I sign in a new bank account agreement. Last time in April 2009, I termed my CD one month, renewed, and I signed. In October 2009, Washington Mutual bank closed business and changed to Chase bank.

I received a letter from Chase Bank in October 2009 that bank will continue the same service like WM bank, but Chase bank changed the agreement and disclosure for IRA CD. They automatically renewed my CD in October 31, 2009 for 12 months. They said, "You do not need to sign anything." They renew CD for 12 months without my agreement. My term was 1 month. If Chase bank continue the same service, then I agree that I do not need sign any paper. But Chase changed agreement and term, and we must sign new term CD agreement (new name of the bank, new service).

Letter from Chase bank. This is not document. My understanding is that I sign with WM bank every time there's a new term. Why does Chase not sign with me a new agreement? This is IRA, not regular CD. Now I can take money from bank only with penalty. (I have lowest % ever.) And I can't transfer money for better bank; I need to wait for 12 months. Why does the bank do this without me? Thank you. Arkady **

Since it had a $1000 overdraft, they said they wrote off the account because I did not come in to pay the fees on an account I thought was closed. I have spent 6 months of my spare time trying to get this resolved and NOBODAY CAN HELP ME at WASHINGTON MUTUAL!!!!! So they dinged my credit with the arite off shoing past dues for months on end.

The staff at the Loan Mitigation department is rude, obnoxious, and non responsive. They are not interested in hearing a customer dispute. They are relcutant to identifiy themselves when a consumer calls. They are reluctant to transfer calls to a supervisor. I have had a loan modifdication with them since December 2008, I have been approved twice to be told after appraisal that I do not make enough money and hence I do not qualify for loan modification. After contactingf teh office of the Comptroller, the consultant got on the phone with them and they provided a preliminary approval, the final approval for trial has not yet arrived.

One of the call center employee told me that sir, you are wating your time, since you have substantial amount in equity,you will never get approved for loan modification. Since I was under loan modification, they did not accept my laon payment and informed me over teh phone that they cannot accept payments and I shoudl wait till the modification is complete and no negative reports will be made on credit report for short pay during trial agreement. They reported to teh credit Bureaus which resulted cancellation of my credit cards, Deposit payment for surgery, and reuction in my credit scores

In Januaray of 2009, the LOC was further reduced (again, "due to equity deterioration") . . . to a new credit limit of . . . (wait for it) . . . zero.

So, from my perspective, this account is now dead. There is no balance available -- no loan. It still appears on my WAMU web page summary, but so does another older HELOC which has been officially closed for years. Both appear with a $0 balance (despite my requests to their online banking service group to get rid of the old account which has been closed for a long time).

The second HELOC is not actually "closed". It was merely "suspended" in January of 2009, when they reduced the credit limit to $0. Now WAMU is demanding $557 to close this LOC.

$557 for an account which I never used, and on which they reduced the balance to zero.

No, I never got or read the letter (or fine print) saying that I had 90 days to officially "close" the account, back in January.

From my perspective, when they lowered the credit limit to zero (despite the fact that the house still has substantial equity in it) they lost any right to collect any "cancellation" fees.

Is this how Chase is Welcoming WAMU customers, and "making your banking better" ?

I had an credit card account with Washington Mutual Bank. I was late on my first pymt in 2 yrs. I was paying into the credit protection plan and never got to access it when needed to. They did not stand by there word, it did not protect our credit, instead damaged it a lot. This is the worst customer service I have ever had.

It is amazing. One truth that used to exist with banking systems was that you could always deposit money into accounts. If you are unfortunate enough to be a WaMu customer and in the state of IL, you apparently cannot deposit checks without significant effort and time. ATMs do not accept deposits. Bank by mail no longer is allowed. Dropping deposits into night depositories are not allowed. You must drive long distances to the one or two remaining banks that will even talk to you - so you can make your deposit. Of course, you can take money out of any Chase or WaMu ATM you can find - but this does not help at all if you cannot actually PUT the money into the account in the first place.

I was frustrated, as wire transfers should be a fast and effective way to send money. I spoke to the manager, and he did say sorry to me but seemed to be going through the motions. He was not very empathetic. Eventually, he rudely hung up the phone on me as he said he did not want to listen anymore. Any customer would be stressed in this situation, and the Wamu branch should have been more understanding, since it was a mistake on their part. The manager said that I would have to come back to the branch to sign a new paper to send the correct wire transfer. He did not want to explain why this was necessary.

Please advise them to be courteous towards customers, and to double check their work when customers have concerns. They should also be more careful when sending wire transfers. This is not the first time that I have experienced a mistake by Wamu when sending a wire transfer.

Thank you,

In 2006 I opened a cheque acc at Wamu; it had a savings acc attached. Since I was on holiday in the States, I was assured I would be able to access my acc anytime anywhere in the world. Over the next couple of years I have been depositing all the extra money that I earned working hard into the savings acc to the total of $31,000. In 2007, I had to go through an emergency surgery and needed that cash so I contacted Wamu asking to transfer the funds into another bank.

What they did could've cost me my life!
They transferred ONLY the funds that were available on the cheque acc totally ignoring the instructions. Following that I've sent them several letters certifying (by the US council in South Africa) that I'm still alive and need access to the funds.
Considering that my internet access was blocked for no apparent reason, the cheque acc closed and I could not contact them telephonically because, obviously, I do not have Social Security Number, all the access routs to my savings account were cut empty.

It has been all together over a year and a half of huge amount of correspondence, each time resulting in a new excuse from Wamu not to complete transfer and a huge struggle to get MY money. Last one said transfer was stopped at customer request. Do you really think I would stop them from giving ME my money?!

In the end of this May I asked some guy in the offis, how to get statement for the the last five years. Officer told me OK and added, that will cost about four dollars. I agreed. Than I went out of US. And when I came back and checked out my acount. It was chaged for $380.After discussion Mr.A sugested to return me $100. But I never agreed to pay so much for very cheep paper. Please help me. That was almost all,what I had.

i have had their credit card for 3 and a half years.about a year ago they changed my apr. from 9.9 to 16.94 saying that it had to do with my high balance which i always pay my bill on time and more than the minimum payment. so i agreed to their terms.about 6 months later wamu was bought by chase and they said they were raising my apr. again this time to 26.94 again saying the same reason and im still paying on time and more than the minimum payment.so,again i accept their terms.now 6 months later they have decided to close my account.

I just called my credit card and found out that a check I had sent online from my WAMU account TWO WEEKS ago has still not been received. I am furious because this is not the first time.

Another time I requested WAMU send a $5000 check, they took the money out of my account, a while later indicated the money had been cashed. BUT NO!!! Later the "recipient" called to find out why she hadn't got the check! WAMU quickly sent her another one.

And don't even get me started on their overdraft policy -- despite the fact that they offered and gave me overdraft protection when I first openend my account.

Is there an honest bank out here? If you know one pls share.

I reported fraudulent activity regarding my personal cheking account on the 14th of July 2009... I was then told it would take 5-7 business days for the bank to issue a credit. The longest this has ever taken has been 5 (so I was told by the CS rep). However today is the 22 of July and I called to follow up on my claim and the CS rep tells me that they are behind due to the high volume of disputes currently being filed... and displayed the least bit of sincerity or concern in her voice and hung up on me. I did not get irrate or out of line with negativity or slandering comments. Maybe she feels since I don't have thousands in the bank, I'm not a valued customer... but if that's the case, I know people who have that type of money in a Wamu/Chase account and will be sure to pass this information on and I guarantee you will lose some valuable customers/clients...

I made a check deposit in my account for 530.00. The next day my payroll check was deposited in my account. Showing that i had a balance of 2000+ and 2000+ avalible. I set up payments to be drafted out of my account. then later that day used my debit card. Which was declined. when i called wamu, i was transfered to high risk and told my account was closed. i advised the lady i have set payments up with this account and now it will return and i will have a charge, The agent told me that its my problem to take care of, and that my money will not be avalible until the end of the month. i asked to speak with a supervisor, she stated this is not an escalated call and refused to allow me to speak with a supervisor. I do not recommend anyone to get an account with wamu/chase. poor customer service.

WaMu suspended my line of credit, asking for current information. The balance is zero. I owe nothing on the line of credit.

Essentially, I am a hostage. They have given me two choices. Pay the early termination penalty (for something casued by their inability to act), or do without a line of credit until the termination fee period expires in Dec 2010.

The people on the phone are unable to explain why WaMu will not rescind my termination request.

This Bank charge me 20.00 with out lething me know abouth the charges, they said that the charges were for to many transactions and I don't even know that this could happen.

In reference to a levy that had been released by Child Support, my bank account could not be used, had a family emergency, the account reported "funds unavailable, but released my cleared funds to a merchant. this practiced by this bank is unbelievable, and it caused my 10 friends to drop Wash. including my self, it's no wonder they needed Chase Manhattan Bank to pull them out! There was physical and mental damage trying to live on $20 [for one week].

I HAVE Paid Hundreds of dollars in overdraft fees, over $230.00. how they get you is they delay posting, they post transactions 5-days after the actual transaction took place!! when i have money in the bank they delay posting it, i've seen were they take 4-5 days to post items when i have money in my account, but the moment they know you can't cover what you bought they pass it thru right away, no 4-5 days there.

I have been a faithful customer for 9 years, In April I tried to used my debit card and it was declined. Thanks God I had enough cash on me to pay for what I had consumed. I called the 800 # and was on hold for 30 minutes. Some lady said we decided to close your account. I asked her why did I not received anything in writing about this she replied you will in about 2 weeks.

I had $2028 in this account and they told me to go into a bank and close out the account. I had written 4 check before closing out this account and I was told they would clear they did not they returned these check marked "Account Closed" which now I had to pay additional fees to these other merchants that I wrote the checks too. We all need to return Wamu ugly and unprofessional ways to BBB. You guys really need to get it together.

I have a Savings account attached to my Checking account. Lately I have been using the Savings account to buy hobby collectables on EBay. I use the savings on PayPal to draw the money to pay to the sellers. This month I found deals on what I was looking for and bought some 15 items this month prices ranging from $3.50 - $50.00 each. Just yesterday I checked my online account, and to my surprise and amassment, they charged me $10 for each purchase which WaMu Chase calls EXCESS ACTIVITY FEE. They gave me no warnings and charged me $170 in excess fees!!! I hit the ceiling. Most of the EBay purchases were only $5 to $7 and they charged me $10 each fine for using My own Money!

not with this person I don't know Please help

After having a credit card sold several times, finally to WashMutual, I hadn't used the card in a little less than 1 year since I had other credit cards with lower interest rates. My credit score is shy of 800 and they sent me a letter in the mail saying "Since you haven't used your card in some time, we ASSUMED you didn't want it anymore and are closing your account" This hurts my credit score because of the debt to equity ratio and when I called to ask why, I was told by a rude person that it is closed and can't be reopened and that I would have to apply for another card. Like I would want another one after what they did!!!

I am a WAMU/Chase customer and have all my accounts there. Someone made a fake check, I have the "real" check in my possession, and cahsed it at a WAMU for $4400.00. WAMU will not put the money back into my account until they investigate ME. They didn't check any form of ID when accepting the check and they admit the check is obviously a fake. Frustrating to be treated like the bad guy and not get MY money back when they allowed it to be stolen by their stupidity.

My deposit was lost by the ATM. I made a deposit so that I could pay my monthly bills.

I noticed that when making the deposit the ATM stated that the transaction could not be completed at this time. When I noticed that it kept my deposit. I waited and I swap the card again and got a mini statement which reflected the deposit. When checking on the account. I noticed that it hadn't made the $100 available that it would normally give when making a deposit.

When I called I spoke with a manager out of New Yorks call center and was advised that I would get a call with 48 hours. So FAR NOTHING.

I've been treated as if it nothing and all they have is time. Sorry, but my bills don't and with it being that they returned them and then have told me there's nothing they can do. It's really made me think twice about leaving the account opened.

Lately they try to over draft mu account with any thing, I deposit a check, knowing that the following night this other account will have enough money, now they check deposits the same day o the following morning, and they do what they call adjustments, so they withdraw back the money, that left me negative, I had to pay over 100.oo just in charges

This bank is the worst. They are constantly removing paid items and then reposting them once my balance gets low which causes my account to go in to overdrawn status. They tried to repost a payment of $80 to my electric company after they removed it from my online account statement. Once I notified them, it somehow appeared again without the charges. They are attempting to do it again this month. The payments were cleared and now they are attempting to repost them which has caused me to go way in to overdraft.

Me and my boyfriend opened a bank account together when we went to school. He was the main user of the account and I had another private account at the same bank. We went on externship and out of the country for three months starting in the end of December of 08. When we both came back to town, I went in to the bank to close the accounts since we we're moving to a place without a WaMu around, that's when I find out that we owe 620 dollars all of a sudden. They tell me at the bank that they can't do anything but that I have to call.

I call, they let me know that it's some 20 non sufficient funds charges and that somebody has tried to pay things over the internet, but there was no money in the account to WaMu just kept charging the account. Then they closed my private account, took the money from that one to pay off the joint account and closed the joint account too.

I have now been calling the bank for 4 months. I have been hung up on probably close to 20 times, intentionally or not I don't know. I have been nothing but polite to them everytime. I now have a collections agency calling me everyday. My credit is ruined and WaMu is telling me different things everytime I call. Nobody wants to deal with this and that company is the worst managed company I have ever encountered in my life.

I'm at a loss. They keep telling me they are taking care of the matter and I have even received letters from WaMu telling me they have credited me the money but when I call them they say they have nothing in their system regarding the letters they sent me. Everyone at the bank tells me different amounts that I owe, when in reality thay owe ME money.

I have letters from the bank saying they crdited me back the initial charge but now WaMu claims they never sent those either. I have names of people I talked to, but I never get to talk the same person twice so it's moot. I am sure I know who did all these charges too. A guy who gets packages in many people's names. My credit is ruined and I this despite they owing me money. This has taken so long and nobody wants to help me, I'm about to give up

Help us if you can. Thank You!

I received an offer in the mail that stated if I opened a new account with WAMU before April 4th, then I would receive a $100 for opening the account. Once opening the account, I had 60 days to deposit the opening balance. I met and complied with all their terms and conditions by March 6, 2009. They are refusing to honor the offer even though I have spoken to them numerous times and provided them with the documentation to prove I met their terms and conditions. I would never have opened this account which impacts my credit history.

After "bogus" Over Draft (OD) fees, I was tired of arguing with the people at Washington Mutual, showing them my bank statements that proved that indeed there was sufficient funds in the account. Slowly, I began the process of switching banks. I had my paycheck direct depoited into another bank account at Wachovia. Once I had enough money in the Wachovia account I used the Wachovia check card exclusively. I did this for 6 months, making sure there were not any "surprise" ISF or OD charges.

Almost 6 months after I closed my Wahington Mutual account I ma getting phone calls and letters from Capital Collectios stating I owe $162 in "Over Draft Fees" yet, no one can tell me to whom I am "overdrafted". I explained I gave suffficient time for any outstanding debts to be cleared from my old WAMU account and there was nothing outstanding on my record when I closed the account in December of 2008. NOW WAMU is attempting to "extort" $162 from me with out telling to whom this debt is supposedly owed. I do not want to ruin my credit, what am I to do? HELP!

I am extremely upset ihave had problems with wamu for over a year this has allbeen about a stolen card. The bank closed my checking account. I have had to pay the bank back the money that was stolen from my account as well as fees from the bank. i was advised not to touch my saings account. I contacted the bank and was told that as long as I kept 25 dollars in my account I would not have a problem

I recieved a message in my email today saying that i had an overage in my account. I called the phone rep immediatly she was very rude and uninterested in my situation I asked her to speak to a manager and she transfered me to the mrnu prompts and then I received a message saying that the service was closed for the night to call back tomorrow. this is very unprofessional. I will make sure and let every and any one I know not to bank with wamu

I opened another account while I waited for the situation to be fixed with the idea that I would return with the bank I have been with for 9 years. I can't not believe that with the economic status we are all in this bank would take advantage. I cannot believe that they are so bad off that theymust steal my money from my account. I am making sure that everyone I know hears about it because I dont everwant anyone to go through this.

Failure to meet the stipurlations of the Platinum Checking account results in a 20.00 dollar monthly service fee. For whatever reason, Washington Mutual began charging me a 20.00 dollar monthly fee stating that I was not meeting the terms of the account.
Unfortunately, this is an account that I do not use often and this 20.00 dollar service fee went on for a little over two years unnoticed.

When I called Washington Mutual to question the 20.00 fee they confirmed the fact that I was still a Washington Mutual Loan holder and that this account should be "free."

I asked their "senior manager" if they would refund my money and I was told that I did not catch THEIR error soon enough and they would not refund my money.

I was sent an offer in the mail to open a checking account with WAMU offering me $100 after depositing $100.

I opened the account in January 09 and was supposed to have the $100 paid from WAMU in twelve weeks. When the money did not come as it was suppose to in the third week of April 09 I inquired with my local branch. They said other people were experiencing the same delays and had no explanation nor recourse except to wait. I was charged fees for not opening an ajoining savings account, which later were reversed once I complained I wasn't told that was required.

So far as the date of this posting, they have not deposited the $100.

Somehow "WAMU" has gotten my phone number in error, as I have never done business with them. They are psycho-dialing me at home at all hours, leaving messages that indicate that the machine doing the dialing thinks they have a live person on the line, and is asking the WAMU customer to press a key to continue. There is no phone number left for me to call and handle the issue, and the caller id reads "out of area". This has gone on for months, and my husband and I are sick and tired of it. Needless to say, there is NO WAY I'd ever do business with them, nor would I recommend them to any of my clients. Their business model is obviously intrusive, unprofessional, and clearly inept!

On March 19, 2009 I noticed three fraudulent charges on my account. I was notified through my email that I was in overdraft. Since I knew I had just deposited a check the day before and that I already had money in my account, I immediately logged on to my account through my phone. I then discovered that there were three charges at an ATM for $202.25, $202.25, $102.25 on March 18th that made me go into overdraft. I called my husband at home to see if he had his card in possession and I checked my wallet for mine. We both had our cards.

He then called WAMU and reported the fraudulent charges. We were told that we would receive a temporary refund in the next few days and would receive an affidavit. This was on a Thursday, so when Monday came and I had not received anything, I called the fraud department. I was told to wait FIVE business days. On the 5th day I called again and was told to wait until midnight of the 5th day. So on the 6th day I called and was told that I would not receive my money because my claim was denied on the 20th (less than 24 hours from the day of my claim) due to fact that I still had my card and my pin number was used.

I protested this by speaking to manager after manager about what I could do to prove that I did not use my card and I was at work when the charges happened. They told me they would not send me the affidavit because my claim was closed and they are not sure why I was told day after day that I would still receive my money. So after all the back and forth I went into a branch and spoke to a manager there, who made ANOTHER phone call on my behalf to the fraud department.

After about 40 minutes on the phone with them, she was able to get them to take another look at my claim so I could provide more information. I called them again and asked what they needed and I was told well, what can you supply. They left me guessing what to send.

Since I work in law enforcement, I immediately had my superiors write memorandums and affidavits on my behalf that I was at work and I am held to a certain level of conduct, they even stated they seen me with my card when we had lunch together (miles from where the money was taken). I also wrote a sworn affidavit stating that I did not withdraw this money and nor did I give permission to anyone to withdraw the money. I had possession of my card the entire time. So I was told it would be investigated again. I tried to file a police report to help the case and I was told I could not without anything from the bank. The bank refuses to provide me with an affidavit, since the case is closed. They also stated they cannot review cameras because it is a non WAMU ATM, after my own investigation I found it to be about 10-15 miles from my house at a Barber shop.

I then left to go on vacation with the notion that they were again investigating and reviewing the ATM machine. So when I come home 5 days later there is another letter in the mail stating my claim was denied (the very next day after I spoke to them before my vacation). I again called and was told because it was near my home and they had my pin then I authorized it and am responsible for the charges, also no one else reported fraud from this machine as being a skimmer. My claim was also tagged as a do not reopen, do not refer, case is closed.

Now at no time has an investigator called me and I have requested numerous times to speak to an investigator with no avail. I can only speak to random people that work the floor. I get mysterious letters from this so called fraud department, but I am wondering if WAMU even investigates anything.

After weeks of feeling sick to my stomach of being out 700.00 (500.00 withdrawals and 200.00 fees), I kept thinking I cannot be the only person this has happened to. I just can't...Which lead me to this site and which also lead me to read a post further down that looks as if I wrote it. I almost fainted. I didn't even realize that I to had received my new debit card in the mail and it was on my counter to activate it, when my other one was used just miles from my house.

I am shifting my account to American express. I am also very angry at congress for their lack of support to consumer credit support by killing control standards. the government made decisions to do tarp, the banks claim that they still cannot make it so now the banks will climb onto the back of the wage earner and so will the government tax structure eventually.

I have had my Washington mutual account for going on 8 yrs and I have never experienced this much problems. When I lived in New York City I closed my account with Chase because they have a tendency to put holds on everyones account. I have used washington mutual so long without any issues on May 26,2009 My account was overdrawn and I deposited enough to cover the balance plus I had a rental car because I was in a car accident and can't afford one right now. The representative on the phone told me they took away my over draft protection it is a privalage and I had to earn it back by keeping my account in good standing for three days?

Where do banks do this only with Chase can you call customer services and get not an once of help but that is okay with them because thats Chase's new rules. I'm going to close my account and go with another bank this is a disgrace Chase bought a customer service oriented bank and made it corporate. Chase maybe saved Wasington Mutual Financially but they are killing the bank in BAD customer service.

It was a Saturday evening and I just finished having dinner with my two boys and a friend. I gave my debit card to pay and the server comes back telling me my card was not going through. Right after I called the 800 number and a customer service rep tells me that they have closed my account and the note states "suspicious activity." He then tells me he cannot provide any additional information and that I have to contact Risk Operations which will be open on Monday - Friday from 6am-6pm pacific time.

I was like thats unacceptable. Who closes someone's account with out notification. He also told me it was closed on Friday which mean that just didn't try to contact me. They have all my current phone numbers! It's ridiculous! So today is Monday I called Risk Operations and they said "We are closing your account due to the fact the company is uncomfortable with your transaction activity." I've banked with WAMU for over 10 years and now they are "uncomfortable," sounds like BS to me. I asked the customer rep "because I use my account and my debit card as I should I'm being overthrown and WAMU is closing my account? " Of course her response was "theres nothing I can do."

I've been advised that they will not reopen my accounts, checking & savings, and that I must go to a branch to recover my funds. In the mean time I have no access to my money what so ever. I mean who keeps cash now days?! I always use my debit card. I guess thats my fault for trusting a bank that I've been with for over 10 years. Thank God I had food in my refrigerator and gas in my car. Seriously what is a person to do?

About $350 dollars from combined late fees, returned check fees, and finance charges. My bank literally told me that if I describe the situation nicely to my creditors they should waive my fees.

Five days later I received a letter stating that after further research indicated a check had been mailed to me that I would have to go to my nearest WaMu office (300 miles away) and complete a notarized Declaration of Loss. I called them and explained that there was no local office near and Matt was supposed to call me back with instructions on what to do. He never called. After numerous (8) calls to the others Rene was finally able to help me. The problem is, Wa-Mu has a stop-payment on the first check, if there ever was one, but I won't be able to get my money until 90 days after the date the cd matured.

I was a WAMU Credit Card holder that was bought by Chase bank. We got into a financially difficult spot because we moved from Pittsburgh to Charlotte. We still had a house to sell in Pittsburgh and we were paying rent in Charlotte. In October of 2008 my sons were laid off from there jobs so things got worse. My payment was late to Chase and they immediately raised my interest rate to 29.99% and didn't notify me. My payment also raised at this time.

I couldn't afford to make the full payment so I paid about $200 of a $323 payment. They kept compound the payment amount. Which made my payment $446 the next month and so on. Then they started calling me about my deliquent balance even thoug I was paying at least $200 a month or more when I could. They called me 8 times a day every day if I didn't anwer the calls. If I did answer the calls, they only called me every other day. I told them that this bordered on harrassment but they said that as long as I was deliquent they would continue to call. They called me at work and home.

We finally sold our house in February 2009 at $30,000 less than the original asking price but I was able to catch up on my credit card payments. My payment is still $323 a month. I contacted them and asked if they could lower my monthly interest rate so that I would be able to keep my account current and they told me no that was the lowest rate available. This makes my payment significantly higher than when WAMU was my bank holder. So I am now a few days late on my payment and they have already started calling me again 8 times a day. Is this allowed? Isn't this considered harrassment if I am paying what I can? I don't see a solution.

Last month I didn't get a bill for my business credit card, without the bill I forgot to pay. Of course I received a late charge. Once again this month I have yet to receive a bill from WaMu. I haven't moved, I've lived here for fifteen years. I have a feeling that the bank is cashing in on late charges through billing manipulation. I called the bank, they said that the bills had been sent, last month and this. I said to send the bills again. And that I'd contact you. I've been late charged. $60. But I feel that I've been done more than this time.

I immediately called the customer service number and was told they are 2-3 weeks behind on mail and faxes. They suggested I fax the information over to them, which I did. I can't reach anybody to find out if my loan will be unsuspended. They are forcing me to pay off the loan and get another one because I can't use it and cannot find out when the loan will be unsuspended.

When investigating getting another loan I was told by another lender that they are getting calls from other Washington Mutual customers with the same problem. The loan rep speculated that since Chase bought out Washington Mutual, Chase is getting rid of loans that they consider unprofitable. My loan with Washington Mutual was under very good terms. Basically this request for information is an excuse to get rid of these loans. This is a bad business practice and my only solution is to terminate my relationship with Chase.

I STRONGLY SUGGEST OTHERS DO THE SAME!!!

my wife made a payment on the 3 of march over the phone.the emploey took the credit card numer and did not aply the payment to our house but stole the crdit card numer and used it to a total of over $700.00. we can not get a strate answer form anyone we take to they just keep tansfering us to diferint department.

my wife made a payment on the 3 of march over the phone.the emploey took the credit card numer and did not aply the payment to our house but stole the crdit card numer and used it to a total of over $700.00. we can not get a strate answer form anyone we take to they just keep tansfering us to diferint department. it making our credit look bad because it shows us a mounth late and has hurt our cheking acount because it comes out of our cheking acount

On Sunday, April 5, 2009 I made two small withdrawals from a WaMu/Chase ATM using my Chase debit card. The withdrawals were within my available balance.

On Monday the 6th I checked my balance on line and to my dismay the account was greatly overdrawn. There were three unauthorized withdrawals totaling $480.

Immediately I went to the branch to inform them of the unauthorized overdrafts. I filed a claim with a Customer Service Rep. who observed that I frequently used that branch of the bank for my banking. She asked me if I had disclosed my PIN number to anyone else and I said I hadn't. She informed me that i should receive a temporary credit on the account within 3 to 5 business days.

I never received the credit. A letter dated April 7, 2009 from an office in San Antonio TX informed me that my claim had been denied stating that the fradulant withdrawals were in keeping with my habits of spending. The letter did not describe my "habits of spending", nor did it include an analysis of those undescribed habits. The letter was merely a form letter with Alex Wilson as a bold face printed signature in a type face. The letter went on to say that it appeared that either I made the withdrawals or allowed someone else to make them.

In addition to $480 unauthorized withdrawals, WaMu/ Chase has levied 6 overdraft charges of $34 each which they have consficiated from my account.

WaMu/Chase has taken my meager unemployment deposit, an annuity payment and other funds from my savings that I transfered into the account so I could pay my expenses.

A telephone customer service rep. on April 14th said that the bank would also capture the remaining negative balance from my Social Security deposit that I expected on the next day.

The Office of the Comptroller of the Currency gave me the telephone of Chase Executive Offices to try to resolve this issue. The Representative from Chase at the Executive Office also told me that the the fraudulent withdrawals appeared to be in keeping with my habits (after about a 2 or 3 second review)!

NYS Department of Banking supervises the video survellience of ATM vestibules in banks, even National Banks. Banks are required to retain jthe tapes for 45 days before they are rased. The office in San Antonio did not discuss the tapes and the Representative for the CHase Executive Offices informed me that the images are sometimes difficult to pull (from the tape).

Even if she does review the video tapes I am afaraid that she will not say that she located any evidence that someone else came to the ATM where apparently I forgot to take my debit card after my $20 withdrawal.

A few days ago I went back to the same ATM to see if it issued an alert"beep" after a period of time. There was about one minute before the machine issued it's alert, which I might add was faint and if I had not been listening I probably would not have heard it.

I really doubt that CHase will make an effort to locate images on the tape of the person making the unauthorized transactions even though the NYS Banking Law states that Banks must record on video tape images of all activity in the vestibule as well as at the ATM.

I requested the copy of such check from the person who had issued it confirming that the check in fact had been cleared on october 10 2008. I took this copy to the bank branch but despite of the many trips I had made there and after I have spoken with almost everybody at this branch including the manager, I got a letter from WAMU, almost 4 months later, telling me that I'm losing my $100.00 because they never could locate where exactly the money went.

At this point I don't know who else I can ask for help within Wamu. I am hoping that writing this complaint to you helps me to recover my money. Perhaps it is a very small amount but I think that I don't have to be charge for the bank's mistake...they should asume the loss. I think is a matter of principle. I really appreciate all you can do for me.

On April 23, 2009 appox 4:00pm est, I went to Wamu using the drive thru banking system to cash a $900 check, which I've done every two weeks now for over 2 years. Well, after receiving the envelope back with only my debit, reciept and driver's license, I turned around and got back in line to tell the teller in needed the cash back - thinking maybe she thougt I just wanted to make a deposit. She keep stating she put the money in the envelope and I told her several times she didn't and there was no money in there.

I then went inside the bank and spoke with the branch manager Nick. After he reviewed the computer system for several minutes, he then asked if he could search my car. I said sure but there was really no need because the money was never given to me. He then searched the front and back of my car and I even let him see how much money was in my wallet ($16). Afer he didn't find what he was looking for we went back inside the bank and he told me he was going to have the cameras reviewed to see if there was any fraud going on and he would call me at 5:30pm.

I then went to put up my son from school and went back to the bank at 5:45 because Nick didn't call me back. I was told the cameras had been reviewed and the saw the teller put the money and my envelope. On April 24, 200p at 9:00am est. my husband went to meet with Nick to see if they were able to locate my money or had any new info. At 9:15am I arrived and the bank and my husband told me that didn't any idea where the money was.

I then called the City of Milton Police Dept to have them start an investigation because I didn't feel like WAMU had our best interest in mind. It is now April 25, 2009 and I still haven't heard anything from WAMU after being told someone was going to call me on the April 24. I'm out of $900 and no one seems to care. I haven't been able to pay my son's daycare for next week, car insurance, phone bill, gas bill, etc.

Reported fradulent activity on my checking account that was overdrawn as a result of the activity. Filed a claim and Washington Mutual decided that I withdrew the funds even though I have never overdrawn the account. I had about six $34 overdraft charges added to the funds Washington Mutual consficated from my account.

My argument is that my home my not be about to support $450k of LOC; However, it should be able to support at lease $400K based on the bank appraisal. The response from the bank is that they will not be able to lower the credit limit. It is all or nothing. I had to cancel a real estate purchase based on my ability to withdraw $150K from the LOC.

In April a check I wrote for $2400 was returned to the recipient citing non sufficient funds, when in fact the funds were available in my account.

After speaking with several customer service representatives, it was determined that this was a bank error. I requested in person at the Costa Mesa branch location that a letter be drafted to the recipient of the check, indicating that the error was not on my behalf.

The vice president and branch manager drafted a letter and mailed it to the check recipient, as well as a copy to my home address. The letter contained multiple errors throughout. First, while the letter was addressed correctly, it then incorrectly starts with [incorrect name]. Second, my name is misspelled throughout. And finally, it incorrectly refers to "Ms." instead of myself several times. I would have hoped that a letter of this nature would be proof-read before sent.

One week later I viewed my checking account information on-line, only to find that a hold had been placed on the deposit made a week earlier. Not only had these funds been immediately removed from the other account, but they had been withheld from my account balance for a week and I had not been notified! I called customer service and was told that risk operations took this action the day after I made the deposit, although the supervisor to whom I spoke could not give me a reason why.

These repeated "holds" feel as though I am continually giving Washington Mutual "loans" from my checking account without my consent or knowledge. It's unethical, and recurrent.

I opened an account with Washington Mutual in February of 2009. On Tuesday April 22,2009 I wanted to open another account with my boyfriend to pay bills. On April 22,2009 I had no access to the funds in my account because Washington Mutual said that I owed them money back in 1999. I was told that the account was charged off but they were going to take the money that I owed from the account and close it.

At this time I am very upset because they are holding my money from my direct deposit from unemployment. I should have been told up front that I still owed them money after all these years the account was charged off how could they come back and now want the money from me. The limitations in the state of Florida is 7 years its been 9 years. Now I have pending transactions with merchants that will not be paid because out of the blue I have to pay money to them. Please tell me can they do this?

My rent is due this month without the money from the bank I have to pay a 150.00 late fee and 50.00 per day after the 10th of the month. I have transactions coming thru my account that will not be honored because the account will be closed. Please help.

I requested my account closed in 12/2008 by email and phone conversation. This was not done they keep charging me overdraft fees that are now over 600.00. I opened this account up on line with false promises of being able to deposit/withdraw monies and this was not the case.

This has caused hardship and emotional distress nobody their is able to answer my questions and correct this account the nearest branch is in Indiana and I'm in nothern Michigan.

I caused an overdraft and this bank keeps charging me double, nsf fee and overdraft fee for the same thing which equals out to 68.0 and i am unable to get out of the hole because of this, can they do this? This has happened more than once and they give me the same response. I overdrew so I pay the overdraft fee and then it causes me to have nsf so I get nsf fees.

I am in debt and it is emotionally draining me how to get out of this position.

I had my Debit card suspended today. I received a automated call to verify it was I who made a purchase, which I did with some reserve. I was denied when making this on-line purchase, si I used another card with success. What I was conserned about was if the denied charge was going to be put through, having a double transaction. I called the number referred to on the automated call and proceded to enter my account information, which I was informed was not reccognised then forwarded to a on-line banker.

Through a series of complicated discussions, disconnections, which included being told the fraud deptment was closed on Sunday (they were the ones who disconnected me), and none of my answers answered to my satisfaction, I proceded to ask about the charge and why it was considered a risk. One Hour and 45 minutes later I was connected to Dennis who explained the following: WAMU accounts and charges made to them are reviewed by a computer. At it's whim (no guidelines given) the computer will suspend ones card and make a call out to the accounts owner. In the mean time, if you depend on this card, it will not be usable.

The suspecious activity I had on my account was taking my family out to dinner at a well known chain resturant Saturday night, and then the kicker was when I renewed a subscription to a professional community (well known especially to the banking community) which I did on-line and it included all my personal information including the number on the back of the card. I was told my actions triggered the account to be suspended. I guess dinner on Saturday and my other purchase is somehow unusual? I was told I can expect such reviews and service suspensions from time to time now with WAMU/Chase, un-announced and the requirement will be to plan to spend a long time on the phone to prove myself to WAMU's computer.

I used another banks credit card and successfully completed the transaction so no material damage occurred. Having received the phone call from the computer system with one foot out the door Sunday morning, I was planning to use my WAMU card as I have done for years with confidence. After the disappointing discussions today, and the time spent tracking down someone to answer a question, resulting in missing my planned event, I can see no confidence in my WAMU accounts.

Knowing my money is withheld due to my suspicious activities of dining with my family on a weekend, and trying to complete a transaction which the abundance of personal information included triggers my card to be shut down, then to be told by the customer service people they are not able to tell me why my activity was suspected of fraud is very un-acceptable. I have been a good customer with this account since 1984, I have seen to service and customer support degrade to the point where I feel I can no longer trust this bank. This is the extent of the damage.

I have had our house payment taken out of a WAMU checking acct for years. WAMU was NOT our bank of choice, so we never had checks issued. All of a sudden, our house payment can not be processed as we did not attach a voided check. Hello? We don't USE WAMU checking. After talking with 2 people at the customer service number,(the first of whom was VERY rude) I was told my local branch had not done the paperwork correctly.

I called my local branch and 'JOSH talked with his supervisor and I was told, sorry, you do need a cancelled check. So now, I have to order checks that I will NEVER use (after a 2 week wait) and make my house payment IN PERSON at the bank. WAMU/Chase SUCKS and I can not WAIT to refinance. WAMU deserves to be bought out but Chase also needs lessons in customer service.

I opened a CD with WAMU (now part of CHASE)and after it matured on 1/28/09, I called in to cancel within the seven-day grace period on 2/2/09. I got a confirmation number and was told the check is going to be in the mail the next day. I waited two weeks before calling again, and found out they'd gone ahead and renewed the CD. Apparently they wanted some more information, and instead of contacting me with specifics, they thought it best to renew. I told them I needed the money (approx $10,350) and that I DID NOT want to renew the CD, and that I had a confirmation number for the cancellation. Finally, the representative said "as a courtesy" they were cancelling the CD without any penalty fees and would be sending me the check. I waited again, and the check still did not arrive after two weeks.

Everytime, I e-mailed them, they would see the account maintenance cannot be processed at wamu.com and you need to call the product services dept. (I had opened the CD online without speaking to a representative). When I did get through to the telephone representative, they would then transfer me to a CD dept. and in the process disconnect the call. Finally, after a few tries, I did speak to one of their CD personnel, and they said they're going to send me a form for a lost check and asked me to go to the local bank.

I took their lost check form and went to the local bank at Tracy, CA (Grant Line Road), where I met with Kimberley M. Kimberley assured me that she would put a stop payment on the check, and get me a new one on Thursday I met her twice and she gave me the same story.

Thursday - I was in the hospital, with my newborn being born, and Kimberley calls saying "bad news". She couldn't put a stop payment on a bearer check and that I need to wait 90 business days before I get my money back. I was polite and said I would call her back and that I had the baby and other things on my mind, and a mortgage to pay. When I spoke to her next, she mentioned she could help expedite the payment, if I paid $250 for an indemnity bond because of the large dollar amount. I asked her why I should pay for WAMU's repeated bunglings. "Procedure" she said. I then spoke to their "Research dept" - Selena P, who immediately disconnected the phone as I gave her my ticket number.

Subsequently, I managed to get her manager Reba s, who assured me in an upbeat tone that she'd ring the right bells and make sure I get my money, especially since WAMU went ahead and renewed my CD after validating my request for cancellation and giving me a confirmation number. I told her Kimberley was following up my case in the local Tracy G Line branch and asked her to connect the dots. 30 minutes later Reba called back to say there was nothing she could do about it.

Next I asked Kimberley to connect me with her execs, and she said her branch Manager Annette T would call the next day. She called the next week and added ZERO value. I told her not to waste my time and asked her why WAMU could not pick up the $250 tab and provide customer service, given that I was short of $10,500 due to their bunglings. Annette had no clue, and I don't know why people like her are put in front of customers. They don't understand the concept of customer service, or the customer experience.

5) Why did Kimberley, Reba, Annette all provide me with false assurances? Does WAMU/Chase have no competent people working for them? Clearly people like Annette are in managerial roles with no accountability. Banks like WAMU/Chase are a disgrace with incompetent service and unfriendly customer attitude

Will any attorney take this case pro-bono and help me recover my money and get me compensated for all the trauma -mental and financial that WAMU/Chase is causing me?

I made four separate payments on my card in February as I was leaving for a trip to Mexico in March. (i always pay my account ahead of time). I called a customer service rep 2 weeks prior to leaving to notify them I would be using my card in Mexico and my dates I would be there. To play it safe I even sent them an e-mail. Upon arrival to my hotel in Mexico my card was denied. I called the number on the back of my credit card and was told my card had a hold on it for non-payment.

I was very lucky that I had enough cash on me to cover the hotel. But I had planned on using this credit card. To add injury to insult upon my arrival home I received a current statement from them with a $39.00 late fee. I will be paying my credit card in full and cancelling this credit card.

I went to cash a Washington Mutual check and because I do not have an account, they wanted to charge me a $5 fee for not cashing at the branch listed on the check. Got manager to override fee, BUT, teller would not continue to cash check unless I provided my social security number. I didn't want to provide it and teller said it was Chase's Policy and was required. Ended up giving random numbers to satisfy her ridiculous rule. Then after ALL this, she wanted to know what my job was! Are you serious? I want to cash a check, not open up an account.

I have been trying to close out a savings account for six weeks. They are giving me the run-around. They promise to call back and don't. I wrote a letter requesting closure, they asked for a notarized letter. They hang up after long waits on their phone line. STAY AWAY FROM THIS BANK!!!!!

I have a credit card with Washington Mutual I was trying to make my payment that was due in February of 2009. I tried to login on the website to make the payment before it was due but I was unable to do so because the website was down. I logged on the site a day after the account was due to make the payment. I made a payment of $900.00 because that was what I wanted to pay. A day later I checked my account online and noticed that I had a late fee of $39. I called and the rep told me that once the payment is cleared, they will reimburse the fee which they did.

A few weeks later I checked my account online and noticed that my credit line was decreased from $5,500 to $3,806 and raised my interest rate from 0% to 9%. I called and spoke with a representative that told me that the credit amount was decreased because of changes on my credit file and because I was 1 day late. I had recently checked my report and in fact it was way better than when I received the card. I asked to speak to a manager, the manager sounded like he was Indian, he did not help me in any way and was so scripted. He was of no help and seems to didn't care. I called back and spoke to another manager who was rude and I just did not want to speak with her.

I asked to speak with the CEO or the president and I was told that they would not even let me know the name of such personel. The got cutoff, so I called back and spoke to another manager who said that it was listed in the system that I already spoke to a manager. They didn't care and acted like they didn't care. I found the name of the CEO and wrote a letter and I was told that I was only able to send it to the customer care department. I sent it about a month ago and I have not heard back. I called a representative at Chase yesterday who told me to send them the letter directly. Chase sounded more professional so we will see what happens.

We filed bankruptcy back in 2006 and the house was never included in the bankruptcy, it took several calls from us and our attorney to get it straightened out and finally it was fixed. Then it happened again, at that time the bankruptcy had been discharge for 6 months. We called and faxed the discharge to them it was fixed for about 6 months and happened again, this happen 3 times in the past and the attorney called, the discharge paperwork was sent and it was fixed.

Well now again it has happened, keep in mind that I have been getting bills up until the last 2 months, and surprise, we are now in bankruptcy again. We have called and called and can never get anyone to answer in that dept. and there is now direct phone number to call them, [they] make so many mistakes that they obviously can not handle getting direct calls. They should just write off the loan instead of paying [those] working in the bankruptcy department.

Attorney fees for excess calling to WAMU

Hello my name is kandy i been having a very hard time with wamu bank customer service, One i rented a car from budget car rental then they placed a hold on the account for $554.00. I went to pay for the car rental in cash so wamu was suppose to release my money. I had the man call from budget he gave them his id infomation, they said it would be released immediatly it wasnt i called 7 different times got seven different answers now my money still on hold. Everyone cant help me i need my money theres is no help if you ask for a manager they put you on hold or disconnect you. wamu sucks

I've been a customer with WAMU for over 10 years and have never had any problem. However, on February 26, 2009, Ive discovered two unauthorized (fraudulent) transactions while accessing my accounts online. One of those transaction was to my statement savings account in the amount of $280 and the other to my free checking in the amount of $220 which caused my checking account to be over withdrawn thus resulting in a $33 overdraft fee.

According to WAMU, these transaction was done through the ATM about 15 miles from where I live. Keep in mind that I did not lose my ATM card nor did I give my pin# to anyone. This prompted me to file a claim with their claim department which resulted in nowhere. It is now almost one month, and I have spoken to four different people and have not been reimbursed for the total of $533 dollars. Each time I called, I was informed that the claim was closed due to their investigation which conclude that the fraudulent charges were valid. After several calls, they also claim that they will be sending me an affidavit. So far, I not received any affidavit. Second, all the claims personnel that I spoke to are completely useless.

I've requested to speak to a manager and was told that they would have to have one call me back within 24-48 hours. So far, no manager has given me a call. It appears that WAMU does not really know how to investigate claims, because if they do, they would find out that the transactions were fraudulent? Somehow, the fraudulent transactions coincide with my ATM card expiration date of 2/09. I received a new card around mid February, but did not activate it. It also makes me question what type of security does Washington Mutual really have to safeguard their customer accounts.

Unfortunately, it is with great displeasure to say that it does not appear that there are any because they somehow allowed someone to access my accounts without my permission and neglect to thoroughly investigate the matter. I will continue to fight this until they reimburse me the full amount. Don't know about anyone out there, but I find it hard to bank with a banker who CAN'T protect their customer from fraudulent activities.

Loss of $533, along with emotional stress, frustration, and anxiety.

I got an offer for a gift card of $100 if I open a free checking account with Wamu bank. I deposited $100 in the checking account and surprise! - it made me complete a free savings account as well where I deposited $1. Although I opened the account on Feb 22, till date the online account information does not show the deposit. When I called up customer care around 2 weeks back, they told me that they will look into this and fix it asap.

Today I checked my account online and nothing has changed. I am unable to fin the $101 that I deposited and I called up customer care. The first representative told me that my account has been cancelled and asked me to talk to the Risk department. I told them that I never reveived any notice for account cancellation. THe risk department transferred me back to customer care. THis time, however, I was told that there was a hold on my account since I opened it online and that the account will be activated on 25th March 2009; more than a month after I opened the account. The representative, however confirmed that they have record of the $101 deposit and a matching $100 will be deposited in 12 weeks.

One point for concern is that she mentioned that the savings account which I was forced to open has a minimum deposit of $300; wonder of wonders - this amount was not mentioned in any of the pages during online signup. She also said that it was not possible that I was asked to open both a savings and a cheking account since they were 2 seperate account types on their home page. What a scam! She could also not confirm that I have a gift card amount of $100 that I had originally signed up for. She said that it was maintained by the marketing department. When I asked for the contact numbers for the department, I was told that they do not accept any calls and anyway the information is logged into their database. I ask whats the use of logging information in a database if you cannot retrieve the information when required?

One saving grace: I was assured by the rep that I would be having $101 in my accounts on activation on March 25th, 2009. And I can call up on March 26th, 2009 and cancel the savings account without incurring any charges, and the $1 in my savings will be transferred to my free checking account. Frauds: The advertisement was a fraud; it did not mention anything about a savings account. The savings account did not say about $300 minimum deposit when I signed up online.

I signed up for 0% on all balance transfers and now they are charging me interest and over limit fees that are a result of the high interest they are charging even after they had charged me balance transfer fees. Is this legal.

On March 2nd, 2009, my husband deposited $800.00 in cash in the ATM at the above address. This sum was credited to our account. A week later, I called their telephone banking line to check our balance and discovered that $800.00 had been withdrawn from the account. I called the bank and was told that there was nothing in the envelope that my husband had put in the ATM, so they withdrew the $800.00 from our account. I happen to know that ATMs spit-out envelopes that are empty. His transaction went through. What gives? So, on March 7th I went to the bank in person.

I needed $600.00 that day because it was the day of our wedding and I needed to pay the wedding coordinator. I was hoping that they'd find their mistake and put that $800.00 dollars back into the account and I'd be able to take out the money that we needed to pay. Needless to say, the bank rep that was helping me couldn't seem to get onto the website to investigate the problem. (He did, however, tell me that it was on the system that my husband did conduct that ATM transaction, but that the envelope was empty). I couldn't get a conclusive answer because I needed to get ready for the ceremony. The rep told me that he would call me in 20 minutes to update me on the situation. I did not receive a call from him, but from another teller who left a message giving me a generic number to call her back. When I did, it was an automated number with no option to talk to a human.

Today (3/14), the day after we got back from our honeymoon, my husband and I decided to go to the bank to conclusively clear-up the matter. We were told again by Sophia Casillas, the Operations Supervisor, that my husband had fed the ATM an empty envelope. They showed us a picture of the envelope that did not prove anything. We were also told that two tellers had confirmed that the envelope was empty, but Ms. Casillas herself was not a witness to this. Are these tellers being watched or filmed while going through the deposit envelopes? I wonder.

We were treated very rudely by Sophia, who was treating us as if we were lying. I didn't appreciate it, especially since I have been a loyal customer with Washington Mutual since they took over Coast Federal Bank several years ago- has it been 15 years ago? Something like that. I bet that if we'd had a multi-million dollar account, Washington Mutual would have been more than happy to restore the $800.00 to us.

Needless to say, we needed that $800.00 to cover wedding expenses and to pay off a few bills. Since Washington Mutual withdrew the $800.00, we have incurred overdraft charges to the tune of $475.00. We still have a negative balance. As soon as we pay it off, we're closing the account and opening an account at my teachers' credit union. Thanks for listening.

I have an account with washington mutual. what happened is that i called their number and talked to a rep named LUIS and before i can talk he verified a couple of personal info about me and my property, in which i dont mind at all. i was 4 months due on my mortgage and explained to him why and what are my the possible options i could do. and he told me and may i quote in a very bad grammar that i just need to make atleast 1 month payment to inform wamu that i am still making payments. i said ok and i will pay through my bank, he then persuaded me to just make the payment over the phone because since i am late for 4 months it's better that way he said. as i agreed to pay it over the phone for 1 month only.

after the conversation i asked for a recap on what we talked about, all he said was about the payment that i did over the phone and i asked him if he was listening to me when i was explaining my situation, still he just kept talking about my payment and sounded like he's just reading a script. seems like this rep only cared if i will make a payment. he could atleast make it sounded that he care or he just dont understand english that much because he can't speak english that good. after a couple of days i receive a letter saying that my property may go into foreclosure because i failed to bring my loan into current.

shocked with the letter i called wamu again and this time i spoke to a different rep and informed me that i have to make atleast 2 payments to stall or avoid the foreclosure proceedings. i asked him if i could talk to this LUIS who gave me a different info but he was not there and got disconnected. i called again, this time with another rep on the line and again i was informed that i have to make atleast two payments since i am late for four that time. for me, its ok to make payments but receiving false information? that is a no-no. it can lead to severe damages.

luckily, my case was resolve also by a rep (from philippines) by offering me options and told me what else i can do. whenever i call wamu again or receive a call from them i asked for a name and if it's that LUIS i would hung up or asked for another rep. also, this LUIS a rep from philippines too i think, not just gave me wrong information but also sounded arrogant and irritable because of his bad english. outsourcing is okay, but at least get someone who could speak english.

paid and again I had one other waiver.

was in the account obviously for these when they were done. For some reason as explained to me they hold debit/credit card purchases for a week after completion and list them as pending charges.

The manager showed me how in their bank system right now there are a few charges I have made for postage from USPS, but indicated how they show pending even though the
money is there, they will not actually take the money out of my account for a few more days.

considered "excessive".

I recently mailed a deposit of $500.00 to my Wamu Account. It posted to my account on 3/10/09. I called the 1-800 number to see if it was available because it said Pending hold. The guy I spoke with said that the whole check was available. I went to the Chase branch to make a withdrawal and it was NOT available. I then called the 800 number back. Spoke with a lady and she said, no he was wrong it wont be available until Thursday. You have $100 available now. Ok.

This morning (3/11/09) I found out that my husband will be shipping from Fort Benning Ga, to Afghanistan for a year. I need to get to Fort Benning before he leaves. The only way to do that is to call Wamu and ask if they could release the funds one day early. So! I call yet again and I am told that I must go into the branch in which I made the deposit. Ok, it was mailed. The lady then said there is nothing we can do to help you. I asked to speak with someone else. I have only 2 days to get to Fort Benning.

I was then put through to a Floor Manager, who was about the rudest person I have EVER spoken with. Again, expecting some kind of compassion I explained the story yet again. She now tells me that, no the check wont be available until 3/17/09. The previous 3 people I spoke with were wrong. There is nothing she can (will) do. Call back tomorrow. How can I possibly get to Fort Benning in 1 day driving? I asked to speak with her supervisor. She said there isnt one above her.

She ended up transferring me to the Risk department where I got to explain EVERYTHING again. This lady basically said you have already discussed this with us and we can do nothing. And oh, yeah, the floor manager was wrong, this wont clear until the 18th.She then disconnected the call. Thank you for helping me have the chance to see my husband before he is sent to war, from which he may not come back from. Thank you Wamu for nothing.

On March 2nd 2009 my wife and I made a purchase at Restore Habitatt for humanity the total transaction was $193.84 I paid with my Washington mutual mastercard.at the time I had a total of $104.21 in my checking when we got home I went on my computer to transfer $200.00 from my washington mutual savings accout to my checking when I checked my Peding transactions I had bill $38.00 that was going to be charged to my account as I looked on the transaction that I made at Restore for a $193.84 was pending twice on my mastercard. my wife emitidiatly got on the phone with a WAMU Bank rep who told her to go back to the store and have them credit back one of the transaction when my wife got to the store the manager showed her that only one transaction was on the stores books and that it was a bank error she should go back to Washington mutual so that they may correct the error the bank manager informed her there was nothing they could do until the transactions claired.

so I transfered an additonal $158.47 to be able to cover all 3 transactions couple of one day later march 3 I transfered an aditional $121.47 And relised the the bank charged me an overdraft transfer fee of $12.00 we called the bank to dispute with a manager and they told me the manager was gone for the day I spoke with the rep who told me I had a transaction pending on my Account that was being posted on Sunday March 1st to my account and I did not have sufficient funds to cocer the $38.00 Itried to explain to her that there was money in my account to cover the 38.00 dollars bu she was not willing to listen to me so I let it go I felt it was petty to argue over 12.00 dollars even do it irritated me to see the payment procesed on march the 3rd not only that the transaction 193.84 was claired on march the 4th which at that time my account showed a total of 474.15 witch to me does not explain the overdraft fee.

On March 2nd 2009 my wife and I made a purchase at Restore Habitatt for humanity the total transaction was $193.84. I paid with my Washington mutual mastercard. at the time I had a total of $104.21 in my checking. when we got home I went on my computer to transfer $200.00 from my washington mutual savings accout to my checking. when I checked my Peding transactions I had bill $38.00 that was going to be charged to my account. as I looked on the transaction that I made at Restore for a $193.84 was pending twice on my mastercard.

my wife emitidiatly got on the phone with a WAMU Bank rep who told her to go back to the store and have them credit back one of the transaction. when my wife got to the store the manager showed her that only one transaction was on the stores books and that it was a bank error she should go back to Washington mutual so that they may correct the error. the bank manager informed her there was nothing they could do until the transactions claired. so I transfered an additonal $158.47 to be able to cover all 3 transactions.

one day later march 3 I transfered an aditional $121.47 And relised the the bank charged me an overdraft transfer fee of $12.00. we called the bank to dispute with a manager and they told me the manager was gone for the day. I spoke with the rep who told me I had a transaction pending on my Account that was being posted on Sunday March 1st to my account and I did not have sufficient funds to cocer the $38.00.

I tried to explain to her that there was money in my account to cover the 38.00 dollars bu she was not willing to listen to me so I let it go. I felt it was petty to argue over 12.00 dollars even do it irritated me to see the payment procesed on march the 3rd. not only that the transaction 193.84 was claired on march the 4th which at that time my account showed a total of 474.15 witch to me does not explain the overdraft fee.

I have opened an account online and have been with Wa Mu for 2 yrs now and have never has such a horrible experience than I have had with this bank

How bout the fact that the bank has charged me over 3000.00 in one and a half year for fee's alone.

they jacked up my intrest rate to 26% and cut my credit line and increased and late fee of $45 over one payment late 3 days. and the only customer service I have spoke to sounds like they are in india and reading a script

I was layed off 4 months and had a death in the family, with this intrest rate I can't pay this off!

He had another incident at the begining of February. He had issued a stop pay on a check. The check had processed once and was sent back. But they put it through again and let it clear because someone who does the processing had changed the check number. We had called to talk to someone once again about all of our problems. We were transfered again and again. Then sent to the forgery department. They filed a claim, sent us a letter stating that he signed the check so it wasn't forgery. You Think??? We already knew that. It was their fault and they weren't going to fix it.

They told us there was nothing they could do, that we needed to file a complaint. I know how easy it is to go back and fix it. We caled over and over again, but never got anywhere with those idiots. I ended up yelling at one lady because I was tired of the run around game that they play. So needless to say, the account is overdrawn because of their stupidity. And everyday a new charge is added. Well we aren't paying any of it. We are gonna get this all fixed. I am a banker in a small town and it amazes me how fast we can fix a mistake and how they haven't a clue what they are doing, plus they expect the customer to fix it. What crappy customer service!!! I couldn't believe how many complaints there are floating around on the internet, and they don't seem to care one bit.

We have a home equity line of credit with Washington Mutual. they are now part of JP Morgan Chase. The line of credit was switched from a fixed rate to a variable rate without our consent. We have not been able to establish one primary point of contact. It is a game of musical chairs. Our house is in short sale and we have been receiving harassing phone calls. The primary mortgage holder is Citibank. We have had more success with them.

We had written to V. Pandit the CEO of Citibank. We were unsuccessful when wrote to J. Dimon the CEO of JP Morgan Chase. Can you please assist us in establishing a point of contact at the executive level of Chase. Any assistance that you can provide to us would be greatly appreciated.

I recd an offer to open up a free checking account at Wamu Chase bank. The offer stated I would receive a 100.00 gift card if I open up an account with 100.00 new money. During the process, I was told I WOULD NOT receive a gift card as the card stated, although I would receive a 100.00 deposit in my account after 12 weeks. This is a complete fraudelent advertisement. The card clearly states that I would receive a gift card, with no mention as to a time delay.

Multiple calls to Customer Service,dealing with rude customer service people, resulted in the admittance that the gift card as was a mistake!! The bank has admitted the error and refuses to do anything about it. So much for bank bailouts. Dont trust this bank. What a way to try and entice new customers with false advertsing.

I am sure thousands of these cards were sent out. If no one complains about it how will they be held accountable? How can we trust this bank.

Washington Mutual uses an online bill paying system. This system dropped my scheduled bills to be paid. I then realized this an contacted my local bank, the manager, assistant manager, tellers, the manager of the bill paying service, the corperate heads of WaMu as well as anyone that would listen to my situation and nothing did any good. I showed them proof that some bills were over paid, paid 2 and 3 times when they were scheduled to be paid once as well as the bills that were not paid at all. This happened more that just 1 time it happened several times and I have the proof of that.

This situation has ruined our future. One of the bills they neglected to pay was on my equity line of credit and it was reported 30 days late on my credit report so we could not refi our loan on our house, our payment was scheduled to jump nearly $1200.00 a month in 7 months from this happening and we needed to refi. I fought for 7 months to get this cleared up but WaMu would not fix their error. The online company said they could not admit to this because others who have had this problem would claim damages and they could not open themselves for that kind of recourse

We lost our house, $80,000.00 we had invested in our home, our credit and our future. We are in our 60's and have no way of recuperating from this banking error and to make matters worse I had been paying triple ($125.00)the monthly payments which was 30.00 every month for over a year. To think a bank would ruin a very long time customers life for 30 dollars goes to show how corrupt this bank is. I wish I was in a position to take legal action against this bank but I do not have the financial resources to fight a bank with mega bucks and very good lawyers.

We lost everything. We had to leave the state (ca) we were born in because we could not afford to live there. We had to leave our grown children and other family members and move to a state (Ga) where we could afford to live. Our future was taken away from us and we are devistated. My husband has suffered from a heart attack and other health issues from the stress and so have I. We are in our 60's and have been left just wiped out. All this for a 30 dollar error on their part. Just can't get over it.

Both my son and I filed out an oline application for a free checking account with Washington Mutual it was for my son. The bank was offering a bonus of $100.00 for opening a new checking account. We did that on 12/16/08, the account was to be funded from another bank. Wamu was to do a transfer of $233.19 from Space Coast. They never did that, and the account my son created said there was an error, and requested that he created another account. My son followed the link that Wamu had to create a new account. That account was never funded automatically also.

I called Wamu and told them that we had two accounts and I wanted to fund the first account and to close the second account that was created. They told me that they would put in a request for the transfer for the first account and that the second account will be closed automatically if not funded within 45 days. I found out on 3/5/09 that they funded the wrong account, so I called them up and requested that they tell me if the promotion was on the 2nd. account.

They got back to me today a supervisor Ms. Janay and told me that I had requested that the 2nd. account be funded and that the bonus does not apply to that account. I told her that that was a lie, and that I made copies of all the documents and that I would not have made that mistake. She told me that they can't put money into any account and that I was the one who told them to do so. She also stated that they had fraud with the promotions and that she does not see the promotion in her archives. I told her that it is Wamu promotion that it does state their website, and I did verify that the promotion was on the account with Wamu.

Ms. Janay was no help and told me nothing but lies, that only upset me more. I think that everyone is responsible for themselves, and that she should not have to lie on me over the phone, to cover up for Wamu and their FRAUD. They are offering these promotions and are doing everything conceivable to not have to live up to their obligations. Also my Promotion was for a checking account, they also made us create a savings account, that was not in the original agreement. I have the printed copies and the promotional document, I can give them to you if you need to verify what i am trying to explain.

They FRAUD us to create a checking account to get the $100.00 bonus. When we completed the checking application, they made us complete a savings account. The saving account was NEVER mentioned in the promotion.

I have had a WAMU card for several years. After being a day or two late with a payment last November, my rate was jacked to 23%. When I complained, customer service refused to lower my rate so I closed the account with a balance due on the card. In January of 2009 I went on-line to make the payment a day late again. Rather than make the payment at that time, I figured I would wait a bit out of spite as much as anything else.

Then the phone calls started. Daily despite my insistence that I not be called. When I requested that the calls stop, I was given the run-around about having to submit a request in writing. After 7 or 8 days, I couldn't take it anymore and made the payment to one of their collection's people.

Knowing I didn't want to repeat of last month's call (or the $39 late payment fee), I went on-line today to make my payment -- a few days early. Well the web site is down for the transfer to Chase. I waited on hold for 8 minutes and 24 seconds on the customer care line and hung up. Tried again and have been waiting for more than 13 minutes. It is amazing to me how a company can commit the resources to hassle its customers more than daily when a payment is just a day or two late but can't manage to have an operator standing by when someone wants to make their payment over the phone prior to the due date.

I obtained a credit card from Wamu. I also have a regular bank account with them. The bank account has a bill pay option. When you sign up for the bill-pay it offers an email to remind you payments are due. You have to enter the date the bill is due, and the email comes approx a week before. I had been using it for a few months when all of a sudden I opened a statement and saw a late fee. I was under the impression the bill was due the 22nd of the month. I paid on the 18th, but was charged a late fee on the 17th. Of course I shouldn't have assumed, but who has heard of a fluctuating due date.

I called and was told that depending on the month, blah, blah, blah. The date had apparently had a week time frame that it jumped around in. Now tell me. Why have bill pay when you have to enter a due date for a reminder for a date thats never the same? Needless to say, I'm out 39.00. I am going to complain. I had an altercation w/ another bank a long time ago over 5.00. Every month I get a statement telling me I have 66 cents in the bank. So actually they have spent quite a lot of postage for something that could have been cleared up with good customer service.

I have no doubt that customer service was the begining of the end for these banks. They aren't complaining when they're taking our money. The government hands out money to them, but can't get my husband to pay 70,000.00 in child support to me. Unbelievable.

in november 2008, i had fradulent charges on my credit card from an atm withdrawal in california. i contacted them and they issued me a new account and credited me the charges. last week on my new account i noticed the november charges were reapplied. i called wamu credit card company and was told after they investigated the charges that i was responsible for activating a pin number from my home phone prior to the fradulent transaction. this information is incorrect and i have proof with phone records and my employment time card that i wasnt even home during the alledged phone call.

i was told by a supervisor at wamu after questioning these actions that i would have to obtain the atm video film to further prove that i did not withdraw the money from the atm in california. for the past 6 days i have spent many hours attempting to contact wamu without successfully getting information to help correct the situation. i have been hung up on, disconnected, give fax numbers that dont work, and staff members that i am unable to communicate with due to language barrier.

in my frustration i dont know where to go from here to resolve this issue. i finally was able to obtain an address to mail my phone records, employment records and police report to the fraud department but i am not confident that this will lead anywhere. whatever assistance you can offer me to help correct the situation and prevent any ill posting to my credit report would greatly be appreciated. thank you in advance for all of your assistance in this matter.

charges approximately $1492 and change.

About 2 year ago, I went with ESPN Total Access Credit card from Washington Mutual Card Services in short form (Wamucards). I have a credit limit of $2,000 dollars and I eventually I used the card for emergencies, when I needed it, I used the card and maxed out the card and I eventually paid them off in 2007, when I had money and it was fine. I started to use the card in 2008 for emergencies and I maxed out the card and I received a statement and made the minmum payment of $69.00 for that month. I did need gas and used the card.

The following month I received a statement and I paid the minimum payment of $75.00 and somehow they tacked on a financal charge of 27.99 percent plus addittional charge of $35.00 and made my balance an Over the Limit. I called up the customer service and wanted to know why my balance is Over the Limit. I was on hold for a longtime when I got a REP, (I forgot his name), we had a shouting match, while I was driving to work, I used the speakerphone on the cell phone. They are rude and told me that I have the pay the whole balance out! I will not recomend these people. Eventualy JP Chase is taking over ESPN wamucards. I am frustrated that I cannot get out this loop hole to pay them off!

As a result, since I am in a budget do due to the economy, I don't make the money I used to. I have been paying them almost a year paying the minimum payments. I still cannot get that Over the limit balance out or down. I already should have gotten the balance down to $900.00. due to paying them every month. I should have a balance of $1,100.00. I am still paying them and still they add a finacial charge of 27.99% and $35.00. Over the limit fee! I am frustrated!

WaMu sent me letter on 9/26/08 told me my account will be close on 10/09/08. I don't really save any money at the bank at that time, so I didn't brother do anything about it. Months later, now I received very rude phone call from collection agancy said I owned WaMu about $232. I check with WaMu, they send me a bank statment showing all overdraft fee. I call WaMu, again, they told me that is not overdraft fee, those are bank service processing fee and I must pay to the collection agency to prevent bad credit.

First my credit score already ruin, but I really don't need anymore damage. 2nd, because of my bad credit, I am very careful with the little money I have. I still remember I didn't put money at WaMu because they have to hold my deposit check over 10 business days and I need my deposit clear faster since I have many payment need to pay. When they notice me the closing, I make sure no any direct payment send with the account, because I can't afford any bank charge late fee or overdraft fee at all. I try to deal with WaMu, but they insist I need to pay, every dollar is very important to me now, I don't have the money and I don't have responsiblity for this wrong charge. Please help me.

Bad credit report issued to my already bad credit score. Nono-stop collection call. I am already in drepression medication due to economic problem, not they give me more headache.

I was shocked when I open my credit card statement to find my interest has jump to 32.99% I pay my credit card bills almost as soon as they arrive, and I pay more then I need to. I called Washington Mutual to find out why, and to let them know I do not except these terms. I was told that they couldn't give me any answers over the phone and that the terms could not be chaged at this time. I spoke to 3 different people about this account, all telling me the same thing and all were the top manager. And are you surprised! (all had a phillipine accent).

Not paying the bill is not an option to me. I have worked really hard to bring my credit score up. And if this is the outcome.... WHY BOTHER. Our tax dollars are paying for the banks mistakes and know so are we.

I have never miss a payment with Providian Credit card company, intrest rate was 12.99% the account was sold to Wamu, now Chase Bank, the intrested rate climb to 32.99%. I have since refuse to make a payment on this account. They are taking my money thru Government Bail out and now want to charge me high rates. Where is my bail out. Now I keep getting call from someone in the Phillipines, which is taking American jobs that are desperately need here in our Country,We need to stop this.

I will be reporting WAMU to the proper authories. Harassing phone calls at least 25 times daily at all hours of the day and night. I have made attempts to work out a plan. They call on the Home and cell phone. They are lower than form of life. While people are struggling to keep their homes and survive they are vultures.

Stress which can create other health issues.

Washington Mutual has been my bank for more than one decade. This past eight months, my overdraft fees went from $15.00 per transaction up to $30.00 and now escalating up to $33.00 per overdraft fee per transaction. Just this month, I have paid for $489.00 in overdraft and fees, inclusive of service charge and additional $10.00 for an incoming ACH deposit wire from another banking institution. I have had two charges on my debit card that were not from my person, and their fraud division stopped the use of my debit mastercard.

I had to re-order a new debit mastercard, and I was on hold for 1 hour and 15 minutes the first time, and got disconnected. The second time I called back, I was on the phone with the supervisor for almost 20 minutes. My card needed to be sent to Canada, because I am here working and visiting my mom. They said they expedited the card, and it was supposed to be here today. It was not here today. I called, and they gave me some story about not having the correct postal code. The supervisor repeated this postal code to me four times during the conversation.

I told Wamu I needed this card because my automobile insurance is due tomorrow, and I need to pay it. I have two bills due this weekend, and have no card in which to pay them with. I have lost $489.00 in overdrafts and fees just to do banking with them. I am so upset. They refused to overnight the card to me so I could pay my auto insurance tomorrow. This is not the only time they have charged me exorbitant overdraft fees. This has been going on for over 1 1/2 years now. Only now, the fees have gone up more than double = resulting in $33.00 each overdraft charge per transaction. My money is in my bank, but I cannot access it from Canada unless I have my card. It takes 10 days to clear an American check up here unless you have your atm debit card.

Very unreliable bank, and they were not helpful, their story has changed about not having the zip code, losing the zip code, or not having the correct one. Which story is it exactly? Lost, none or not correct? I wonder. Lori, Supervisor, Deborah B, Supervisor and Martin, Supervisor are all responsible for these matters not concluding my debit card not being sent on time.

I placed stop payments on six checks at Wamu where my checking account is. I did this online. Everyone of those checks were paid out of my account and I had to email them and tell them that check had a stop payment and they should not have paid it so after reviewing it someone would reverse the check and put the funds back into my account. A couple of weeks later I realized I had two more checks I should have put stop payments on.

I called Wamu's customer service line and and I said I would like to place a stop payment on a - Before I could finish the lady said I'll transfer you. I placed two stop payments and the chareges for all of these were debited from my account, $15.00 each. After talking to my daughter she said you had to speak with someone to put a stop payment on a ACH, I wasn't sure if this would be or not. Sometimes they sent them electronically and sometimes they sent them through like a regular check.

So I called back and said I need to put a a couple of stop payments and she started to interupt me again and I said no this could be an ACH so I understand I need to speak to someone about this. She asked my account number and I gave it to her three times before she had it correct. I could not understand everything she was trying to say. I had the feeling she wasn't sure what she was doing so I ask if there was someone else that could help me. She replied no I help you.

When it came time for her to ask me the info about the check I had the two duplicate copies in front of me and read the information from the copies so there were no mistakes. She said we were finished and I said you never took the check numbers. Her reply was We not need them for this for ACH check. I said are you sure? We dont need she replied again. I said I have to make sure these two checks are not paid I dont care if its an ACH or maybe it wont be so will this stop the checks for sure? Yes, Yea they stop.

The next day there were two $30.00 charges debited from my account. The day before there were two $15.00 charges debited from my account. Well one check came through my account that night and sure enough, Wamu paid it. I emailed them and said this has a stop payment on it you should no pay it. They reversed it later that day.

The next night the second came through. It was for $460.00. They paid it. I was furious but I still wrote them a nice email and said Sorry to bother you again but you paid this check it has a stop payment on it please reverse asap as I have checks out for my rent and my health insurance and its important these checks not be returned. I didn't get a response until the next morning. It said We have no stop payment for this check number. I wrote back and said she refused to let me give her the check numbers its not my fault your employee does not know how to do her job. They also said it was for the wrong amount. They said it was for 455.00 not 460.00.

I have no idea where this amount came from. The check was for 460.00. In the email they told me it would be best to visit a branch and try to resolve it there. I went to a branch. What a treat that was. After waiting fifteen minutes for the manager to get off the phone we were called over to see him. I told him I had a problem with my account and told him about the stop payment errors. He looked on his computer and said well every check you put a stop payment on, we reversed for you.

I said so your saying you have no stop payment for this check for 460.00? He said no but we have one for an ACH for 455.00. I said I told you the amount was an error. He said well do you have any paper work that you signed? I said how can I sign paper work over the phone? He said well without a paper trail theres really nothing I can do. I said wait a minute.

Two weeks before this I placed a stop payment on six of them and I never received any paper work. He said well you should have gotten paper work for all of them because legally we aren't suppose to do stop payments on the phone or online. I said then why do you offer it? Didn't have an answer for that. I said the girl could hardly speak english.

I have called the customer service center several times lately and I cannot understand any one that answers the phones. He says oh yea - haha- Our call center is in the Phillipines. I said how do you expect your customers to do business when half the people there do not speak our language? Didn't have an answer. He says well I have the same problems you do when I call I cant understand them all the time and he said you opened your account online so a branch cannot help you. I said can you tell me where I can go and get someone to help me? He says no I dont know.

I said well is there no customer service place in this general area or a main branch maybe that would help me? He said no, its a problem with customer service over the phone so you have to handle it over the phone. But sir, I cant understand anyone over the phone and they dont understand me either.

The consequences have been horrible. I am overdrawn almost a thousand dollars. I had, last time I account thirteen overdraft charges at $34.00 each. The horrible task of having to call me health insurance and see if they will let me still make a payment to them. I have several health issues and I cannot be without any insurance. I am on disability and my husband has a pension. We do not make money to get us through the month let alone to have to be short the 460.00, all the NSF charges, and one thing I cannot put a price on and thats the stress this has caused me.

I cant sleep and I cant eat. I have tried to speak with different people at the customer service branch but every time I call its someone who does not speak English well so I hang up. I've tried two branches and they just tell me to call customer service, I even tried asking for a supervisor and there aren't any of those that speak english either. I know I'm probably leaving out a lot of important things but just dealing with this is very overwhelming. I suffer from Heart Disease and I haven't felt well now ever since this all started.

What I would like from Wamu? My $460.00 reversed, The NSF charges, all of them, and a letter stating what ever checks were returned was a bank error. There is one more thing I would like to add. After I put the first six checks on stop payment I'm not sure what Wamu did but I could no longer see the stop payment screen with my checks listed. Perhaps if I could have seen it I could have caught the errors from the customer service rep and all of this would never have happened. I tried asking why I couldn't see my screen but no one would answer me. Thank You in advance for any help you can give me on this matter.

Banking with WAMU for a year and it's been a nightmare.In november of 2008 I had a fraudulant charge for 198.69 which I disputed and WAMU credited my account. I signed an affidavit and did everthing the bank asked me to. A month later they reversed the charges and said the Merchant had sent them info that the charges were correct. I then called and asked that I would like some type of proof of what they claimed was order and charged but was only given the runaround and never got anything. In other words they care nothing about the customer. To this day I still don't have my money, information about who the merchant is or proof of what they claim I ordered !!! Its embarrasing that we live in a country that protects it's citizens but a bank can get away with this type of business practice.

LOSS OF MONEY .

i had a washington mutual credit card account i owe them 4500$ i have had a hard time since sept 11 2001 and only made minimum paiment wich of course genereated interest and profit for the financial institution. this past 3 years my income as become much more stable and i was abaile to start clearing my debt. now i have always faced my resonsabilities and as i mention was broke when some claimed profit from the market fro 20 years.i pay close to 37 % taxes,my money is going to pay for thew fault off some that i have never seen profit from but also never gave me a break or bailed me out when needed . i refuse to pay one more penny to chase or washington mutual as my stupidity has limits.

They sent me notification that they would raise my interest rate from 9.99% to 19.99% and it stated it was due to a recent review of my account, having a high balance, credit risks, and my credit rating. Which this doesn't make sense, as I owe less than half of what my credit line is, and my credit rating now is over 750.....

I had to opt out of the changes, which meant the account would be closed, but I was able to keep paying on the balance based on my original agreement with them which was 9.99% fixed rate.

I have had a credit card with WAMU for 3 years. I was over 30 days late on my payment ONCE almost 2 years ago. My interest rate was JACKED to 29.99%, I was told with a good payment history of 6 months my rate would be reduced to the 12.99 it was originally. I have called several times only to be told that they would review my account and let me know when i was eligible for a rate reduction but its been over a year and i haven't received a letter. Basically i was told i would pay 29.99% forever. I mean why would they reduce my rate if they can get away with 30% with no recourse.

in the time my rate has been jacked i have paid over 1800 dollars on 700 principal. they have made 100% on me and i have only been able to get it down to 450 to this date.

Telephone Harassment. unsolicited calls from wamu employees who I've told for the last three months they have the wrong number. They continue to call, sometimes three times in one day. I have contacted the Public Utilities Commission as well as the Comal County Sheriff's Dept. Texas Penal Code 42.07 Harassment: A person intentionally with intent to harass, annoy, alarm, abuse, torment, or embarass another, initiates communication by telephone, causes the telephone of another to ring repeatedly, fails to hang up or disengage the communication.

These people have been told repeatedly they have the wrong number but continue like it is a big joke. I'M NOT LAUGHING! I suffer from hypertension and these people are making my life miserable. I need some help. Please.

claimed they sent me notification of an interest rate hike. did not receive one acct

due to higher interest rate was charged more money for fees and credit

I deposited a check for $7,198.00 on 2/18 at a local branch. They gave me a receipt stating that they had to hold $4,900 until 2/25 and $2,184 until 3/5. I checked my account on 2/25 and the funds were not available. First, I called the company that issued me the check (Progressive) to see if the check cleared, and they confirmed that it did in fact clear.

I called customer service and they transfered me to the Risk department. I spoke with a man, he refused to give me his name. He was very rude to me. I told him that the receipt said that the funds would be available on 2/25. He stated Well there's nothing we can do. I asked to speak to a supervisor and he refused to transfer me. He said You can call back but I will not transfer you

I felt like I was being treated like a criminal. I will be closing my account as soon as my money is there. This bank is terrible. I planned to have my money by 2/25 like the receipt and the branch said. When my funds were not there I am late on my car payment, my lights are going to be turned off.

WAMU will not work with us. We have always made are payment, but like every other American circumstantes hae changed. We have asked them to work with us and they refuse. Plus something is going on with there billing system. Please help.

I had to take a 10 percent cut in wages and hours and my wife has a disability. If it were the big guys what would they do. I'm at 30 APR. What is a middle class person to do? They refuse to work with me. Is there anyone I can report this to. I have called and called to no prevaile.

About 2 weeks ago there was a $300 fraudulant charge on my account, I complained and it was temporarily credited to my account. I faxed in everything they asked me for as proof yet they decided against me. Thus making me 300 in the hole. I then went in there on 2/21/09 to make a deposit to pay my car payment being that I have been scared to deposit ANY money into the bank for fear fraud would happen again I put money is as needed. I was told that 1 of my 4 hundreds was fake and they were keeping it.

I called the local authorities and they told me she cant just assume that its fake they have to show you proof. I asked the assistant manager for proof she replied with I dont have any proof I dont have to show you anything By the time the police arrived the bank was closed. Needless to say while still in the bank I was going round and round with the asst. mngr. and she said to me That is what you get for trying to pass off a fake 100 dollar bill. Now I dont know about anyone else but to me that is total and utter disrespect in every sense. I have been banking with this branch for years.

I called today to speak to the manager and she told me We dont want to do business with people like you. People like me? Really? People who have been loyal and put up with everyone in that branch being rude everyday? I am in utter disbelief that on top of everything I was treated like a common criminal.

I am out 400 dollars total now. My bills came through and now the money was not in there. What ever doesnt go thru I am sure to not be allowed to pay them thru ez pay anymore and not only will i owe the bank I will owe the people who didnt get paid.

I have 4 accounts with Washington Mutual that I access almost completely online. 2 are with my son, a checking and savings, 2 are just mine- also a checking and savings. Unfortunately the balance on my savings account is usually zero- I can barely pay my bills. Each month since at least 1/07, they have deducted then credited a service charge.

One of the shared accts. with my son is also savings, where since 6/02/08 when it was opened, they have never charged a service charge, max balance on this acct. has been ten dollars. Suddenly now since 1/09, they are no longer crediting the service charge...and since I had zero balance, saying I am overlimit. SIX emails to customer service have had several different reasons given for this, all saying the same thing, I owe them money- now they claim the original paperwork on my acct. showed this charge, their credits have been a bank error, now corrected.

Even though at this point they are charging me only 5.00 for january 2009 savings acct, I am quite sure there will be more to come. IF they suddenly realized they had been making a mistake, they owed it to me to notify me, so I could make a decision on closing the account or incurring the charge. Now they won't close the acct. until I pay the service charge. Business as usual for this bank, they have been so unhelpful over the years.

My Checking Account I was told to have over draft protection,but i still get nsf and or odf fees any way at 3220 s chicago rd the teller told me i dont need it.what should i do i do not bank with them my social security check comes on the 1st of the month it came two days late because sunday is the 1st, plus all my debits and check were cashed on the 2nd of feb 2009,now i have more problems with them I was sent a letter on feb 11th 2009

The bank wants to charge me 251.04 by the 21st or else be reported to credit bearu and suspend my account,i was credited some fees,and know they want to reverse because oral cancellation and not written cancellation I ordered pills w a debit card way back in november and dec of 2008 they are bugging to have money in the account by the 21 of feb 2009 i already paid for these products in full.they will not leave me alone, most are oral canellations.companys Enzyte,Paravol, Diners club where i was charged and i did not have the discount diners card but i was reinbursed the amount of $17.82now i have fees till march this might be one of the fees not sure?

I do not want to be charged triple the Price.like i said i paid in full once I did not want auto home delivery idid not sign any papers,on my free trial.

My Checking Account I was told to have over draft protection,but i still get nsf and or odf fees any way at 3220 s chicago rd the teller told me i dont need it.what should i do i do not bank with them my social security check comes on the 1st of the month it came two days late because sunday is the 1st, plus all my debits and check were cashed on the 2nd of feb 2009,now i have more problems with them I was sent a letter on feb 11th 2009 The bank wants to charge me 251.04 by the 21st or else be reported to credit bearu and suspend my account,i was credited some fees,and know they want to reverse because oral cancellation and not written cancellation I ordered pills w a debit card way back in november and dec of 2008 they are bugging to have money in the account by the 21 of feb 2009 i already paid for these products in full.they will not leave me alone, most are oral canellations.companys Enzyte,Paravol, Diners club where i was charged and i did not have the discount diners card but i was reinbursed the amount of $17.82now i have fees till march this might be one of the fees not sure?

I made a $1000 CASH deposit in their ATM on January 15, 2009.... they later adjusted my account claiming a deposit was never received. I talked to everyone from a teller to an ATM supervisor. They can not provide me with any kind of prove as to what happened to my money.

I have an account that is overdrawn... none the less I have to pay other people who I wrote checks to... and I am currently on maternity leave with no income. This situation has brought me a lot of stress ands financial strain.

I have been called from 9 different phone numbers continually from Feb. 5th until now. These calls range from 8am until 8:30 or 9:00pm. Most of the time the call are record- ings - a machine ask you to enter your Credit card # & the last 4 #s of your Soc. I will not enter my CC# or Soc. Most of the time my caller ID shows Wamu or Global Reach Int. I have ck., Sav. & Credit Card acct. W/Wamu. My bill is paid in advance. My Daughter has a Credit card w/Wamu. She lives at the same address, but a different phone #.

I talked to a supervisor at named Karen & gave her that information. She said she's your daughter, & you should tell her to pay her bill. My Daughter is 47 and I'm 64 and on Soc. Security. My Daughter showed me her bill & it shows that her bill is due in March, 2009. I went to Wamu Bank to resolve this, they said they could not help. They gave me the Executive Response#. I talked with Ms. Tanner, I gave her my C.C.#, I told her about my Daughter. She was polite, apologized, & said she would clear this up & would call me back. The worst thing about this is: receiving calls on my land ph./ receiving calls on my cell phone back to back. I even rec'd a call in church. I have print outs from Comcast that can't be denied. And I can get records from T-Mobil

I'm on Soc. Sec. & I sell beauty prod. at home. For the last 2 weeks as I have been describing the products to the customers, phone calls came in from wamu. I had 3 potenial buyers for the beauty prods. that didn't sell. They are truly harassing & stressing me out - I wake up in a sweat at night. And getting a call in church is a no no. I miss a few calls for my prods. because I cut my phone off or make it busy. Why should I be harassed? My record is clear w/wamu.

The Wamu Fraud Department called me after January 2, 2009 to report unusual activity on my Master Card. I agreed that I had not made the charged amount in question. They immediately issued a new account number and a new card. Then I received forms on which to file an erroneous chrage claim. I received it on one day with a due date of the next day, so I called them again to report that I wanted to file a complaint with the Police Department in the place where the fraud was committed.

Then I sent a copy of the Police Complaint and the completed form to the Wamu Fraud Department. I indicated that I would not pay the disputed amount on my bill. My next bill came with a finance charge for this unpaid, portion of the previous billing, which they called me to report as a fraud and which I had made the effort to file a complaint at the Police Department. The head complaint officer of the company at which the fraudulent charge was made said not to contact the local store and assured me that my charge card company would take care of it. Not so! What now?

I always pay my balances monthly. Now I have a finance charge to add insult to injury!

I have been a WAMU banking customer and credit card holder for several years. I have always paid my credit card bill on time and always more than the minimum. I just received a letter stating that my interest rate was being increased to 25.9% due to an event in November, 2008. The letter was from Chase, but the letter told me to call the WAMU number on the back of my card if I had questions. When I called I was told that they can't tell me why my rate was increased. I went to my WAMU branch and asked for an explanation and the branch manager called to find out. She came back to me after 15 minutes and said that I was now considered a default risk and therefore they felt they needed to raise my rate to protect themselves against loss.

At this new rate, the payments I made before won't even cover the minimum payment. I will never be able to pay this card off at this interest rate with the income I have now. I have been trying to close my account and opt out, but I was told that the date to opt out has been passed. I don't see any other option than to file bankruptsy, since there is no way I can meet all of my obligations. I told them the last time that I talked to them that by putting me in a default rate they were guaranteeing that I defaulted or filed BK. Their representative, Steve from Bombay, said Oh well. I told Steve that he better submit a resume to Bank Of America, since Oh well doesn't keep too many customers. I hope that Chase/WAMU go out of business due to this type of activity.

Mary had a card with wamu for a few months and kept it current. She asked me to pay her bill on-line because it was the day before it was due and she knew that it wasnt going to get there on time throug the mail. The min. payment was about 50.00 and the balance was about 900.00 so I went to the wamu website and set up the payment to come out of my bank account. I paid the 14.95 to make sure it was going to get posted ontime. It seemed to go through ok and I got a confirmation # so I assumed that everything was ok. A couple of days later we got a letter that there was a problem with the bank account # that I typed in at the time of the payment and she was charged a late fee.

She got wamu on the phone and was told that if she made a payment right then they would waive the late fees. I handed her the same checkbook with the same acct # and she verbaly gave them the same info that I did 3 days earlier. We got another comfirmation # and was told everything was ok. A coulpe of days later we recieved another letter from wamu stating that the bank acct# was not valid and that the credit card acct was closed. The bank acct. in question is a valid bb&t account and ther was more than enough cash in there to cover the 600.00 and was used to pay my bills monthly. Its been open and active for 2yrs. and is used almost daily.

We talked to customer no service and was told that this was our mistake and that they could not reopen the acct. We don't really mind that the account was closed and will no longer do business with them but we are concerned that the mistake was theirs and that they unfairly closed it and this will not look good on her credit report. We think we were unfairly treated by wamu and maybe purged on purpose to get rid of what they thought was a bad risk and therefore willingly filing a false and misleading report to transunion,equifax,etc causing undue hardship on

I have received several (more than 15 in two weeks) telephone calls from this number asking for a person I do not know. I have repeatedly told the various callers this and asked them to make a note of it. The calls continue. I asked the caller today where he was calling from and he said Florida. When pressed, he said WAMU. I asked for a supervisor to get them to stop, but when I did, the caller hung up.

In August, 2008, the company that I work for experienced some financial difficulty. Therefore, my payroll checks weren't as regular. At that time, I had on-line banking. I went on-line and told the system to pay out certain bills. Once I found out that my payroll check wasn't going to be available and the company didn't know when payroll was going to run, I called the bank to stop the on-line banking payments. I was told that it was too late to stop the payments. The bank forced the payments through without funds being in the account and charged me an overdraft fee and NSF fee for the items. The total damage for this was over 1,000.00.

Already distraught about my payroll check, I was totally upset. I went to a branch by my house and explained what was going on. The banker told me to continue to make deposits in my savings and good faith payments into my checking account so that the account wouldn't close. I did this. The bank ended up closing my account. I'd paid the balace of 1,000.00 down to 636.00 Recently, I'd finished paying the remainder of the balance and the bank is still going to close my savings account. I beleive that this was a very shady way of doing business. The bank reserved the right to not pay the items but instead chose to pay the items putting me in a very bad situation.

I was lied to by some of the representatives of the bank as to how my situation would un-fold. Now, I have a positive balance of over 4,000.00 in my savings account and the bank still wants to close the account. Economically, it's rough for everyone, especially for those that live in economically stressed neighborhoods. I cannot take care of my bills and financial business at a currency exchange, it's just become too risky. I wouldn't have ever purposely overdrew my account by 1,000.00 negligently. I wouldn't have been in this situation to begin with had the bank never paid those items. That was too much money for me to have to pay out especially since payroll didn't run for another two weeks and I was in a much bigger hole than before.

Maria assisted me with a CS issue regarding misinformation provided by SHAI of their banking division. I was concerned with overdraft fees as I had deducted the $23.00 charge out of the wrong account. The ATM then allowed me to pull money out and go under $1.00. I was advised to visit a CHASE location to deposit $ which is inaccurate as the bank cannot take my $ yet.

Now, I am dealing with penalty at work from leaving early and overdraft fees. Maria informed me that SHAI had worked the notes to read in her favor in regards to . After working with Maria, I felt assured it would be resolved as she was babysitting my account through Friday and would write off the four overdraft fees for only $9.00 being over.

Today, I received a call from Maria, who seemed to be a totally different person. She did not return my calls from Wednesday or Friday. Now she is recanting everything that she promised she would do to assist me with a simple, I don't recall that.. She said she would pass it along to Senior Management with no guarantees. No point in having guarantees as she would recant them. I told her that I didn't care for the variance of attitude she now had. Do you think she cared? She seemed like a robot! I have created a transfer of $3500.00 to my other bank which I generally only use for bills. I do not trust WAMU with my money!

$68.00 overdraft fees when promised they would be wiped off.

My frustration with banking in general is at an all-time high---but WaMu/Chase has taken the cake now in the catagory of unethical money-grubbing parasitic behavior.

And that sums up the month of December in a nutshell. My due date always falls on or around the 4th of each month. But in december, it was on the 1st. I caught that one just in time, called them, complained, requested my due date be reset back to the 4th, and was assured everything was in order. NOPE---WRONG!! When I went in on the 1st of January to set up January's payment, it was ALREADY late. They kicked me back to December 31st!! So, not only was my due date NOT reset as requested, not only was I lied to that it was, not only was I billed twice within one calender month, but THEN they have the nerve to tell me when I call and complain that they have no record on my account about my request to reset my due date to the 4th. THEN they have the nerve to claim they have done absolutely nothing wrong, and that I owe them the additional fees.

I have recieved calls regularly from their "helpful" collections staff offering to help me set up payments to clear these fees and put my account back in good standing---wow, thanks. They do NOT communicate in any way, shape or form---I have to tell each of them the same thing every time they call--no notes, no nothing. When I spoke to one individual last week, it was revieled they didn't even have my correct address updated from my september move--how can I review my statements that "inform" me of my due date each month is the idiot that handled that update in September didn't do it correctly? Statements? What statements? The November statement just caught up to me--that would be the one that would have indicated a change of due date for the FIRST december payment...

I have gone so far as attempt negotiating with them--yes, the balance up to my credit limit is mine, and I'll gladly pay that off. All the extra fees they want are unethical, and I refuse to pay for more than a postage stamp beyond my credit limit balance. And that's just not good enough for those greedy little (insert fitting term of your choice here).

I am disputing my total balance on grounds that Federal Notes are Unconstitutional, Fiat and Void, as the Judge found in Jerome Daly vs. First National bank / The Credit River Decision. I believe it is something we should all due. We owe it to our country and to ourselves to get the Federal Reserve in the hands of the people. We do need a central Bank, but not in private hands. We need to reform our monetary policies. JP Morgan Chase has been especially bad, in charging people extremely high credit card rates, cutting jobs in the US and outsourcing them, exorbitant fees etc.

I Originally sent Washington Mutual an email explaining my situation and why I don't believe I owe Washington Mutual any money in addition to complaining about the amount of outsourcing they do. Their response was to send a letter to the dispute center and also that they can not tell me where most of their work is done, but we do it to provide our stockholders with the best profit I then sent a certified letter back in January, as my payment was due on Dec. 31st. They claim they did not get my letter, and I was harassed at work by customer service agents that were outsourced, by their heavy accents however their names were Mike, Nash, Roger, Robert, Tina, etc. I think it is disgusting how someone goes and takes away peoples heritage and their way of life just to make a bigger profit for their stockholders.

In any case none of them knew of the letter I sent, and kept bothering me to resend the letter and make my payments. In my first letter they sent me, they stated that Would not incur any interest or have to pay for the disputed amount until resolved, but they have charged me interest and added my payments 3 times since I started my complaint.

Since i started having a difficult time with Washington Mutual / JP Morgan Chase, i started doing research and the amount of complaints from people are endless, especially since JP Morgan bought Washington Mutual. I used to be angry when i spoke to an outsourced customer service rep, but now I feel sorry. JP Morgan chase and the federal reserve (partly owned by JP Morgan Chase does not have our countries best interest at heart, especially when i read about jobless people with interest rates of 25 percent or more. They are damaging the economy in unprecedented ways and everyone is turning th other cheek. Something I can not do any longer. I don't believe I am wrong on this, but as an American someone who is truly proud of what my country used to be, i have to take stand. Thanks for your time.

I recently made an online purchase from a store. I noticed the purchase was showing as pending at the top of my online check register. Anyways, the order was shipped and is in transient. Keep in mind I balanced this purchase with all my other bills. Anyways again, I now notice online that the payment is no longer pending but it does not show up on my online check register as being paid yet. Its not anywhere on my online check register. This concerned me because its a birthday gift for my son.

Anyways, last time, I call UPS and they say its been paid and is being shipped. So either WAMU screwed up or UPS screwed up. After reading this site I realized WAMU is probably purposely keeping it off the online check register to bait me into going over my limit. It makes no sense that one day its there and the next its not there. I don't believe the store would cancel a paying (PAID) customer, shipped the product and call it all good.

Possible overdraft charges. Possible child not getting their birthday gift.

I am highly disappointed with the change over WAMU has taken with Chase. I have just discovered that several of the features I've enjoyed over the past 3 to 5 years of being a WAMA card member will be discontinued. I am an avid online user who enjoys the convenience of viewing my credit score information which will no longer be available!! I also saw online that they will discontinue e-mail notifications. I am a paper conserver and would rather receive all my updates through email than shuffle with regular mail all the time.

When I called to voice my complaints, the representative just stated well since we've merged with Chase these changes have been implemented and oh, you can always call the credit bureaus and get your information. I had to inform him that credit bureaus only disburse that information once a year for free and when you obtain your credit reports, your credit score is not listed. The representative couldn't say anything else to me afterwards. I can't say anymore about this WAMU/Chase change other than it sucks and I plan on continuing to complain until something is done about it. I also urge other members who are upset with these changes to do the same.

Unsatisfied customer.

I transffered to WaMu a balance based on 2.9% APR and a month later they merged with Chase leaving me victim to a 29% APR.A long story based on unethical demeanor.My ONLY action is that I will not make the minimum payment until a competent supervisor lowers the APR - so that a person wihout a job since June 2008,having one graduate student salary in the family and rising a small child - can actually afford to pay his/her way out of this nightmare. WE SHOULD ALL STRIKE AND NOT PAY! ALSO SUPPORT THE LAWSUIT AGAINST CHASE !

we end up not having enough to pay our student loans and/or care for the education of our child.

I have had a WAMU credit card for sometime now. I pay the payment every month plus extra. I received my statement in the mail yesterday and now they have went up to 34.68% finance charge on my account. I have talked to them on several occassions and it has done no good. I am trying to pay off my credit card and will not recommend them to anyone.

My finance charges started off as 14.9 % when I opened this account. I for one will tell anyone to never do business with this customer. They will not work with you in any way to lower the finance charges. I have never had an overdraft or been late with my payments. My husband does not have much work and where I work they have started laying off permanently and cutting our hours back. It would seem that this company would want to keep customers and have them satisfied but they do not care. Hopefully with prayers I will be able to continue to pay on this account normal and get them paid off. I only have two credit cards and the other one is with HSBC which is a good credit card company to deal with.

I contacted WaMu about 4 months ago to inform them that due to my financial hardship I wanted to work a payment plan because I could not pay the minimum. They put me on a 3 month plan and I was told that if I continued to have a financial situation to call after 3 months which I did. I then was told to let the account run late and call back and see what plan they can put me on, which I did.

I called and was told they can put me on the same 3 month plan but I had to pay 206.00 at which I laught, the person I spoke with said I should call a debit consolation place. I told her that I would if WaMu wasn't the only place I need to pay, but I had worked with everyone but them. So I told them to have collections go after me because I couldn't pay 206.00 dollars a month.

I am still trying to protect my credit and they don't care. I am trying to pay them but they won't work with me.

This is the only bank I know that charges an overdraft fee and an over the limit fee on one transaction. They make so much money, from things I have experienced and those of others I have read,on these fees. You wonder why they could not keep their name and became Chase Bank. MAYBE they will be a better bank now. It's unfortunate that small business banking had to become so greedy and unfair with thier terms to try to save themselves. All they accomplished was killing off their customers and losing. Good luck Chase in making angry, unhappy customers happy.

I have been a satisfied Providian Credit Card holder since 1988. Providian was bought by Washington Mutual, and that is when it all went to pot. Last summer my husband was injured at work, we had no income. I called all of the companies we were making payments to and every one of those companies helped us out in various ways; that is all except WaMu. This company not only refused to help us, which was their purgative (where has customer service in America gone?), but they turned up the heat. I paid what I could every month, they would fill up my answering machine daily, with hang up attempts to harass us into giving them more than we could. We were selling everything that wasn't bolted down just to pay what we could.

Finally, we caught up with them, right around the time they reevaluated my account and lowered my credit line to match the amount owed. What this meant was that even if we made the minimum payment every month, we were being assessed an over the limit fee. They manipulated our account to get more money from us. Coincidentally, this was exactly the same time that WaMu was acquired by Chase. Interesting, I say. They even started to fill up my machine again with hang ups. This was not because I hadn't paid them, it was because they were in a jam and trying to secure the next months payment before the acquisition was complete. They wanted my help!

I have paid them over the limit fees every month for almost a year now. Not because I was using the card recklessly, like one 'customer care' representative accused me of doing, but because they lowered my limit to create the overage. AND they don't include that in your monthly minimum, like any other company would do. After 20 years as their loyal customer, I happily closed my account and am trying every thing I can to pay them off so I never have to deal with these again. I can not wait until that day comes, because I know I'll start getting card offers!

My husband and I have had the WAMU card for about 3 years. Since 2008 we have been making double and sometime triple payments to them in a 30 day billing cycle. When the statement comes the payments do not reflect in a timely manner. They call us anywhere from 6-20 times a day. I have spoke to them and express my concerns and they act as if they can not understand my request of a complete payment history of our account. I record and track all my payments to date.

I know that this card would have been paid off long ago, If WAMU didn't put late fees and over the limit charges on it. Had it been true I would accept. My husband has had 2 heart attacks and can not take the stress. When I do talk to them they will say that we owe 20.00 in over the limit and that is the reason for the call. I really do not know how to handle this bank. The more we send the more they want. I have asked them to turn me over to collection, So that the late fee's and over the limit charges will stop. We still get those wonderful calls from those who can not speak clear English, or have no ethics on the phone. Some one should be calling WAMU for unpaid bills on their charges/accounts. Shame on them. Look at our markets and economy.

My credit score is so crummy because of this. The stress of 6-20 calls per day. No matter if we talk to them or not. It is everyday 7 days a week. I am concerned about my husbands heath over this. We pay our bills. Thank GOD we both have jobs.

In december i had made a deposit to cover some charges and they on the same day as the deposit charged me overdraft fee of $33.00 after the deposit!In january i went over and i new they would charge one, and i new that. But all of a sudden theire was three for the same thing. I mean once your account is over it is over.

Well i am collectig well fare and food stamps to take care of my family.i only get paid once a month the 3rd or 4th.gas prices are going back up, food cost more.they know this because i have spoken to them, i feel that i have been taken advantage of.my account has $1,000.00 of overdraft protection!I only get less than $900 a month for my family of six when my older daughter is down.I want this to go to an attorney and i want damages.

I have had this account for over 7 years. I orginally had a providian credit card. they became wamu. I have kept up payments on time until this last month. when i found out my interest rate went from 14% to 30%. I have paid this account in full several times. when i call and try and find out why they changed the rate. they say i am now a high credit risk because of my balances on other credit accounts on non-wamu cards. yet i have never been late on anything until now. there is no justification for them to raise my rates, especially on a loyal customer as myself. They wont even work with you on it.

They didnt like my on time payment every month? they sure as heck will not like it when i dont pay them anything because thay have made it impossible for me to past the interest rate and the finance charges. they call and harrass me everyday, there are 20 calls to my home phone and my cell phone everyday. but yet when i do talk to them they refuse to work with me. so I refuse to even answer the phone anymore or pay them anything.

Its put me into a depression because I am not irresponsible as to not pay my bills, and this company has driven me to the point to not want to pay them or take care of it. I would have been fine at the lower rate. but the raising of the rate has put me over my limit. its a unjustified rate changed, I have been a loyal customer and this is how they treat me.

I don't have an account with the WAMU. My Aunt gave me a check for the amount of $500.00. I do Online Banking with a bank in Kentucky. Because I didn't want to mail my check to my bank, I went in person to cash my check. But I was told that I would be charged $5.00 to cash my check, since I don't bank with them. To avoid the charge I have to go to the branch where she banks with. I understand if it is a out of state bank or even if it is a branch from several hundred miles. This is not a very ethical practice not to mention unfair to charge a fee to cash the check that belongs to the same bank within 30 miles radius.

I asked the teller to talk to someone above him. Then I spoke with another gentleman who couldn't help me. So I requested to talk to the Branch Manager. O. Villagas came to talk to me and mentioned that if he wants he can bend the rules but since I was making a big issue out of $5.00 he wouldn't cash my check. I asked him to talk to the person above him. He said that there was no one above him, he is the only person in charge. I told him that he is still an employee and there is some one he is reporting to. He looked at my check and mentioned that I could talk to Mary D. I asked for Mary's number, he said I cannot talk to her and I can only email her. I asked for the email address. Then he gave me WAMU's website and ask me to go and complain.

When I insisted to ask for the contact information, he threatened to call the police. I told him to call the police because I didn't do anything wrong by requesting proper contact information. He had not given me any credible information. He was lying to me and then I realized that there is no one there with the name Mary D. Actually Mary is the name of my Aunt when he looked at the check, he just came up with a FAKE name. That is the reason he couldn't give any more information.

I thought it was very unethical and unfair for them to charge me $5.00 for a check that will cost nothing for WAMU to process. I tried to call WAMU. But after 2 hours of never ending menu's I could not get a real person to talk to. I emailed WAMU on 01-23-2009 with Conformation #. Today is the 28th of June. There is no response or no email communication. It is not about the $5.00, is it ok to have companies like this get away with bad customer service and unfair fees for no proper reason? What can I do to get the attention of the upper management to resolve this.

I was treated as if I was stealing and was neglected in a big scary way. I am wondering if there is anything I can do about this. Where do I complain to get someone's attention, so that things like this won't happen again.

CA Franchise Board placed levy on my Washington Mutual checking account in error on 1/14/2009. Washington Mutual charged my checking account $100 legal fee. CA Franchise Board reversed the levy on my Washington Mutual checking account 1/22/2009. I requested the legal processing fee of $100 be returned to my checking accout 1/23/2009 since it was a CA Franchise Board error. Washington Mutual refuses to return my $100.

I have a family and bills to pay. I can not afford to give $100 away.

I have had the card about 3 years never late or defaulted and for no reason they raised my interest rate to 23.99%. i have called and begged them to lower it because of medical reasons and got the same reply sorry is there anything else i can do and this one time i asked to speak to a superviser and she asked why and i said i want to talk to one. If he was a superviser he was also a robot you can't talk to these people they don't care.

They got the bailout which we paid for well they can take what i owe them out of that. I am disabled out of work have no medical insurance and medicine that is close to $500 a month. i was willing to try to pay my debt. they were not. they defaulted and good luck.

stress, paid them and went without my medicine, can't sleep because our whole government is turning into a the same thing that wamu is.

This bank is closing my checking account and they're refusing to keep it to give me a chance to clear my name after Chase/United credit card made a suspicious report for a check that i wrote to myself on 12/19/09. Chase/United is taking a long time to sent me a letter where they explained what happend, i called them many times and i faxed them letters but i haven't heard from them since 12/30/08.

washington mutual is refusing to wait for this letter and they're closing my checking account to make a fraud report to my credit record. i feel that these two companies are not helping me to clear this matter and this fraud report would ruin my credit history. i talked to both companies but they're not listenning to me.

Wamu freeze my account without telling me and three checks bounce and they charge me bount checks fee, and late fees total: 160 dlls, The worse one is that Washington mutual is making a fraud report to my credit history without giving me time to clear my name.

On September 30, 08. Upon signing on to the Wamu website to check on my business Account, I noticed 6 charges totaling $2296.32 that were made in Arizona, Oklahoma , Missouri, Kentucky and Georgia. I immediately called Washington Mutual Fraud department to Dispute these charges. I spoke to a Representative, filed a fraud claim and followed all the steps necessary in order to get my funds credited back.

I live in Hollywood, FL and I had my Business check card in my possession at all times. In fact on September 27, 08 I had made a Deposit at the branch in Hollywood, FL. A couple days later I received a Dispute affidavit in the mail. I completed the form and sent it back to Washington Mutual Bank. On October 10, 08 I called the Bank to follow up, I spoke to a Representative who informed me they did not receive my Affidavit. They stated they would send me another one. On October 21, 09 I received the second affidavit in the the mail. I proceeded to complete it and mailed it back.

On November 09, 08 I called the bank again to follow up and they again did not receive the Affidavit. I was extremely worried because the deadline of the dispute was near, and the Rep assured me not to worry they would note the account. The Representative notified me just to fax a hand written letter disputing charges and I did. AGAIN, I called to follow up on December 2nd I was informed that the bank did NOT approve my Dispute because I passed the deadline. How convenient.I spoke to Supervisor after Supervisor and pleaded with them they need to get more proof and honor my dispute. I explained that it was hurting my business to have a Negative balance on my account on charges that were not done by me.

I did not understand How were they denying my request? I explained they needed to get copies of Charge slips or something to proof I did not make those charges and they told me there was nothing they could do. I was horrified and so upset I was out $2296 dollars. I was a Victim of FRAUD. My Business suffered tremendously because of this. Someone had fraudulently made charges on my account and MY bank was not working with me.It is Unfair and unethical what they are doing to their customers. Washington Mutual is taking advantage. Not only is my account still negative but I was sent to collections of which has ruined my credit and my Business.

My Business account has negative balance of $2296.32. I was unable to keep up with the business with no money in the account My buinsess is in the brinks of closing down.

Wamu bank notified me my secured card an saveings acount was closed on 1-12-2009 chase bank took over wamu and sent me a letter that they took over my acounts saveings and secured card now they are charging me late fees and over fees and calling me 4 times a day herasing me thretning to turn it over for collections i have both letters

(Whasinton Mutual) = Worse costumer service ever + ripoff. This is the worse financial institution that i've dealt with. First of all they do not have a costumer service, instead they have robots well trained on telling you well mr./mrs. there is nothing we can do! Is there anything else that i can do for you?. This is the only thing that they are on the same page, for everything else you get a diferent response about the same issue. I've been having issues with this company since i opened my account on june 2008. First bad experience was having my rent check returned while i had money on the account.

It was a big hassle to have to deal with the bank's mistake and at the same time deal with my landlord, i've lost almost $500 dollars on this transaction with late fees and returned check. Tried several times to resolve the issue but it was waste of time. And if it was not enough about 2 weeks ago after paying the whole balance on my secured credit card, i went to the store and when i tried to pay for the item my card was declined, when i called the bank to find out what was going on, i had one of their robts telling me that my credit card account was closed due to WAMU now being part of Chase they couldn't keep my account becouse Chase don't do secured cards, and of course there was nothing that they could do to help me and that i will be receiving my deposit within 30 days.

What was really interesting was when i called back and as to speak with a manager regarding another issue and started to mentioning all the bad experiences that i've been having since i opened my account and i was really surprised when i mentioned that thei closed my secured credit card account without notice becouse now they are CHASE, and she thank me for giving her that information wich she as a MANAGER did not know about. Well i opened a account with another bank and i'm closing my WAMU account as soon as the branch open today.

My husband and I have an joint account in Washington Mutual, and On Jan 11th, we deposited a check for $4,000, and on 13th, we deposited another check for $46,000, both from my mother-in-law. She uses Bank of America.

Then on Jan 14th and 15th, on our wamu online banking website, we found out that there were ATM deposit adjustments due to missing endorsements. We did not sign the back of the checks.

So I called the Wamu call center and talked to a representative. I asked them if we should deposit a new check, and the representative told me that checks CAN clear without endorsements and that I should wait a few days for the checks to clear.

I could have easily deposited new checks from my mom-in-law again, but following the representative's words, we waited.

Then on Jan 20th at 9:33AM, we called the bank again and asked them how long we would have to wait. Then the representative told me that the bank is legally able to hold a check for up to 10 days, and I would be able to use the money on Thursday, if the checks were not returned to Wamu. The call lasted for 12 min and 01 sec on our cell phone.

On Thursday, I checked the Wamu online banking website again and our Available Balance was about $41,000 and Ledger Balance was about $200. Wondering why there is such a difference between available and ledger balance, I called the call center again at Jan 22nd, 10:16 PM. Then another representative told me that because these are checks for such large amount, they are going to hold it for 2 more business days, and the funds will be available on Monday.

I started to lose trust in what these call center representatives are telling me, and my husband and I really needed the money by Monday to pay for our grad school tuitions.

I had called the call center three times before but none of the representatives had told me this information. I complained to the supervisor, and she just said "there is no proof" that these reps gave me the wrong information.

Also, I found out today that my credit card payments to Capital One and Wamu were returned for insufficient fund. They were 2 payments for $50 each. However, my account balance never went down under $100. This seemed to me like a clear bank error.

I called the call center again at 11:24AM and inquired about this problem and the representative told me that they had put a hold on my entire ACCOUNT, not just the checks. He said this was a legal action by the Money Laundry Law. He said that he will not write a letter to the credit card company admitting that there was a bank error to get rid of my returned payment fee.

None of the call center reps had told me that my entire account was put on hold.

Because of these returned payments, the credit card companies are charging me returned check fees. Also, my credit rating was damaged.

Also, if we are unable to pay our tuition on time by Monday, there will be late fees for approximately 120 dollars.

Been a customer of this company since 2005 - never had a late payment - as a matter of fact I have not had a late payment on an cards, car payment, mortage etc in years. I get a bill and my interest rate went from 8.99 to 17.99. When I called to ask they told me that my balances on cards were to high. This is the only account I had an outstanding balance on (4500.00 which is the balance from an engagement ring). all other cards are pretty much paid off each month.

so in reality my balance actually goes down each month. they tell me to bad nothing we can do - then advised me they raised my rate figuring they may lose me as a customer. So because Chase (they now own WaMu lends out billions to people who can afford to pay it back, those that can get screwed)

I charged merchandise, over the limit, on my Washington Mutual Platinum Master Card. After receiving my bill, my payment due was $55.00. I proceeded to pay $100.00. When I received my new bill, my balance decreased by approx. 20.00. I was informed that because I charged over my limit, a portion of my payment was applied to the over the limit amount and finance charge and only $25.00 of my payment went towards the pricipal. Is this a common practice?

I was told that I needed to pay the over the limit amount as well as the finance charge as well as an amount towards my principal in order to see my bill go down. I am very confused -- Please help. I have never been late on a bill and I have excellent credit.

I am now unsure what WAMU's financial practice is pertaining to their credit card practice.

I pay my bills online and didn't notice in my statement that Wa Mu was going to make changes to my account. Apparently I had an opt out option but since I didn't catch the notice in my statement, I missed the deadline. I didn't know the change in terms on my account until I went online to check my balance. That is my fault, but I've been through this before with another credit card and the notice is usually in the fine print anyway. I can't believe how they get away with this! When this happened to me before the credit card company was willing to work with me in getting my interest rate back to where it was. Not Wa Mu.

They told me there was nothing they could or would do to help me. They have increased my interest rate to 19% I cannot afford this! I asked them to just go back to my last statement before the increase and to just close my account. They immediately closed my account, but said they could do nothing else for me. I spoke with 3 people (robots) and when I asked to speak to the last person's manager, she said that Renee would call me back within 48 hours.

That was 4 days ago. I went through a bankruptcy a few years ago and was surprised when Wa Mu offered me this low interest credit cards last year. I have maintained a high balance, however I am never late and I pay more than the minimum. They are making it impossible for me to pay this card off in good faith.

I have a debit card from WAMU. I went over $1.29 on a purchase, the amount was authorized even though it went over my available balance, I was charged $34 for non-sufficient funds. After I made that purchase I made a second purchase that was, again, authorized, putting me over by $6.43 more and, again, charged $34 for non sufficient funds. I had told the bank in November I did not want overdraft protection.

The first purchase should never have been authorized to begin with and I would have called the bank to ask why I was being denied the amount. I would have found out then that a charge against my account had been made that I was not aware of. I would have removed one of the items I had that caused the account to be overdrawn and never would have made the second purchase. Now I have been charged for two overdrafts that should never have happened.

I have been a WAMU credit card customer for a long time. I had an INCREDIBLY BAD experience trying to redeem my reward point and, until today, the issue has not been resolved. I hope that I eventually could find someone that cares! This was my first experience trying to redeem the rewards point. On Friday (1/9/2009), I went online (wamurealrewards), but the system was very slow and irresponsive. I tried again on Saturday (1/10/2009). While I was browsing, the system kicked me off and I had to login again.

Between my first and second login, I also noticed that the increase in the number of award selections. At the end, I decided to choose the $50 Applebees Gift card. I selected the item from the list (first screen), and the system move me to the second screen where I saw the selected item name again, and next to it, I could change the quantity. So, I modified the quantity from 1 to 7. I went through this process for another two or three times because the system kicked me out again and again.

Finally, I was able to complete the process. I wanted to make sure everything is correct, so I went back and clicked on the order, and saw the order line item was not the Applebees Gift card, instead, it was a wild planet dish that I did not want. Since I could not change the order online, I called RealRewards customer service, but the call center was closed. I called the first thing in the morning at 6 AM PST (1/12/2009), with the hope that it would be easier for the customer service associate to change my order. Contrary to my expectation, the first thing he said: According to the term and condition, your order cannot be changed!

I spoke to his supervisor (Jenny) and explain the whole thing. She would have someone look into this. Few days later, I got a call with the same explanation (term and condition, my order cannot be changed!). I called the regular credit card customer service phone, they transferred my call to the RealRewards customer service and back to the regular customer service. I also escalated to the regular customer service. In short, it was a dead end.

Everyone that I talked to regarding this experience, they could not believe my experience: 1. The fact that the order cannot be changed (regardless of the reasons, especially at the time I called, it has not been shipped.) 2. Especially, the mistake is due to a system error 3. Nobody makes an effort to correct it and cares. This begs a question: Is RealRewards trying to reward or disappoint / anger its customers? At this point, I just want the seven $50 Applebees gift cards or credit my point balance back. I did not want the Wild Planet dish item.

The value of $350

I too have been dooped by the new Chase bank alias Wamu. I have been a customer for years. Never late paid above minimum. First they froze my card and asked me to pay it off. As if I was a bad customer. I see people on hear complaining about increase in rates how would you like to be paying 25.9 for being late one time when I really wasn't. I paid online the day it was due.I cannot believe in todays economy that Chase could to this to the consumer. We are paying to bail these jerks out. I am with the others: Any attorneys out there who would like to put these greedy people in their place? See how they like getting screwed.

I lost my job and am barely making it as it is on 680 dollars a month on unemployment. I cannot afford such high interest rates. I know I owe the money but come on again I can't afford your greediness.About to have a nervous breakdown here. Never even recieved a warning letter. Someone needs to have a talk with this company.

I been charged for non sufficient funds on my checking account that has a $400 over draft protection. Stop payment on that check and resend another check to the same company to pay my car loan and that check was accepted. Problem here they could have paid the first check but I was told they do not have to pay if they chose not too. So they charge me $34 for nsf and then $15 for stop payment. I resent another check after confirming again that I the over draft protection to keep from having a late payment to finance company.

I asked (Daniel) at customer of WAMU what sense that make not to honor the check and then turn around a let the second check process. Customer Service rep stated that WAMU does not have to honor the check if they chose not too. But they honored the second check. They made $49 dollars off me. Second I got a e-mail stating that they may close my account if funds are not deposited to cover the overdraft. ( I have direct deposit every month go in.) I was confirmed by the Daniel at WAMU that they will not close my account or freeze it as long as the funds are in within 30 days. I ask if I can get that in writing? Of course not.

Oh the big issue now is there is no Wamu branches or atm in the state of NC. I did not know until a week ago. No notices sent , not even in my wamu email messages. But if you google WAMU locations it gives you Charlotte, High Point and Greensboro (atm) for locations.

I been charged for $49 in additional fees. Was never informed that the state of North Carolina had no offices or ATM locations. I have direct depositgo into my WAMU account, because they offered free checking and online banking.

WaMu increased my interest rate for no reason to 23.99% out of the blue because they can just because they want to. Can you say USURY? Oh I forgot our CORPORATE FASCIST GOVERNMENT allows this robbery of its citizens. The best government that money can buy. EVERY ONE SHOULD TELL WAMU TO GO TO HELL AND NOT PAY THEM ANOTHER PENNY.

On Jan 1, 2009 there was lien put on my account by a credit agency ever since I found out which was around January 2nd or 3rd 2009 I've been trying to handle this situation I went to civil court house with the info the bank gave me the court rep instructed me to get a copy of the subpeona or restraining order and bring it back to gave me the court to put the case on the calendar Its an old case and the files are not stored in the court I reached out to the levy dept at WAMU they have no copy of the subpeona or the restraining order and dont know how to help me

I cant pay my mortgage because my money is being held

i have been with wamu for over 6 years.. and there has been a lot of difficulty with the customer service giving wrong information on my account,, and there has been several occasions that i have been assessed overdraft fees that were not my fault...and money taken out of my account without any notice or word.

i recently filed a claim with the fraud department and got no calls back about the fraud my account was frozen and they opened a temporary account 4 me so i could cash my check, then wamu transfered all my money into the frozen account leaving all my pending bills to bounce, and made me pay all the overdraft and bounce chk fees, i called and asked why this happened they told me they are allowed to do this without notice..

this happen 2 days before christmas, i couldnt even buy food 4 my kids. im still having problems trying to fight them on this. the economy is bad and this bank is part of the reason. they do bad business and continue to do so un punished for it. a lot of my bills are now behind, when i first came to this bank i was told that this bank has the best protection for your money, they ment there money.

First of all, do not under any circumstances deposit any cash over $100.00 into their (wamu atm) as they hold funds for what they claim is one business day. I find that they hold funds for more than one day, as it is now posted on day two as funds still not available. Secondly, when you make a purchase with your debit card, WAMU takes it upon themeslves to allow however much funds they choose to hold.

when you call & tell them they need to remove one or more of the charges, Wamu simply states that the business you deal with needs to call & remove it. When the company calls, they are told they can't do anything as they are not the owner of the account. what is wrong with this picture. There are plenty of other financial institutions to choose from.

no funds available, as they hold them, and then charge you OD fees on other payments coming in, due to the fact that they are holding more funds than allowed when swiping your card.They make 34.00 on each try.

Received our current statement and our rate jumped from 12.99% to 23.99%. We called to inquire and were told, they have the right to change rates any time they want to. They agreed we had never been late, and almost always paid over the minimum amount due.

My wife has lost her job, my overtime has been eliminated and we're just managing to hang on. This isn't fair and they don't care.

We had been good customers for quite a while, always paying more than the minimum required payment amount. My wife, who was pregnant this year, forgot one payment (thought she had made it as usual) and discovered it within a day of being late. She immediately made the payment online while I was on the phone with customer service. They accepted the payment and acknowledged that it had gone through, while telling us we did not have to pay until the next payment due date. When this first and only late payment was posted, they immediately lowered our credit limit to about 150.00 above what was currently owed.

We heard nothing more until after our next payment. Our next and subsequent payments were almost double what they had previously been. We called and were told we would receive a letter explaining this later. About a week later, we received a letter that was not very clear, explaining that terms had 'changed' due to several factors. Among those listed were not paying enough each month and being late (which happened one time, by one day). After this, about a month later, with no further warning, our interest rate more than doubled as well. This made it nearly impossible for us to make the new minumum monthly payment.

Though the letter we received said nothing negative would be reported to the credit monitoring agencies, we have suffered a negative report (as yet to be specifically determined, we are awaiting the report copy-we have no other negative experiences with credit at this time). We were not given written notice of the minimum payment being increased in our terms or after the fact. The customer service people and the letter we received said nothing about the interest rate being hiked up. The lowering of our available credit amount made us look very close to 'maxed out' when it was not the case. We feel we were seriously abused by this company after being good customers, seriously punished for one minor mistake which was immediately corrected.

I made a personal check to my niece for $ 14,000.00, and when she went to cashed in WaMu , the supervisor Ellie asked her for SSN and tol her that she has to reported at IRS, and I donn't know if the can do that to intimidate my niece.

I have had my Washington Mutual credit card for about 3 years. In the past, I had problems with my credit when I became involuntary unemployed, so I decided to enroll in the credit protection plan when I opened the account. Since my account was opened, I have paid about $500 in credit protection fees. On October 30, 2008, I like hundreds of thousands of other people in the United States, loss my job. I did not immediately activate my credit protection plan because I thought I would find a job and not need to use it.

After a month went by, my severance pay I received from my employer rapidly dwindled and I had to rely on unemployment to pay my bills. My monthly payments for my credits cards rapidly added up, so I decided to activate the Credit Protection that I paid for. I called customer service at the end of November. At first, I was told that I was not a member. Then after hearing from several people I was transferred to someone that rudely referred me to the website where I could obtain the proper form for activating my account. About a month after I submitted my paper work, I received a letter from the Washington Mutual Credit Protection Department denying my claim because they said I was not an active Credit Protection member at the date of occurrence.

On January 8, 2009, I called both customer service for the credit card and the credit protection department to request a refund of the fees that I have paid to date for this service since they would not assist me when I needed the membership. Per Herlena, an associate at Washington Mutual, the bank made an error in denying my claim and errors happen. I have since become employed and no longer need the service. Since the company refused to assist me when I qualified for the protection, I requested a refund for all fees paid to the program. I did not get anywhere during that phone call. I was transferred to about 6 different representatives in several departments and was on the phone for almost two hours.

Can they be sued for breach of contract or something? A company error should not justify them denying me a service that I have paid for nor should I have to pay for a program that I cannot use.

I have specifically requested on three occasions that I DO NOT WANT overdraft protection from WAMU and that they NOT approve transactions if the funds are not available. Telephone bankers always assured me this would not happen. The overdraft fees of Washington Mutual is atrocious. $33 for each overdraft even though you deposit money the next day. The worst part is you don't know when incoming transactions are going to put you over the limit.

For instance, you have a balance and available balance. I recently made a purchase which was approved and deducted from my balance which reflected the amount in my available balance. Going on that number I made another purchase which put me $10.00 over according to WAMU but according to what I saw, my available balance more than covered it! Instead of being a normal bank and stopping the transaction, they let it through to charge you money. The one $33 insufficient funds fee cascaded into three because the $33 overdraft fee (even though I DO NOT HAVE OVERDRAFT!) made me even deeper in the hole!

I was not able to pay all my expenses this month, I was hit with $99.00 worth of overdraft fees (again I AM NOT SUPPOSED TO HAVE OVERDRAFT!) Help! This is so unfair

In a nut shell, back in July 2008 someone got into my account and did an internet wire transfer with Western Union for $1,061.00. Washington Mutual authorized it because whoever called gave my SS# and DOB. I put in a claims with Washington Mutual and they said they would do an investigation. It's been 6 months and they have denied the case twice already saying that I did the transaction (which I didn't and I have told them that over and over again).

I have done my own investigation with Western Union because obviously Washington Mutual doesn't know how to do investigations, and now that I have paperwork from Western Union saying where the money was sent to they still refuse to re-open the case as per E. Martinez, Manager of the Executive Offices. I asked him if he or his Claims Dept had information as to where the money was sent to and he and the Claims Dept. said NO. I told him that I sent the Western Union information to their claims dept again because I want the case re-opened and he said not to bother because they would not be re-opening the case.

I have contacted my local Sheriff Dept, Osceola Sheriff Dept., FBI, Columbia County Sheriff Dept. & just recently Cobb County Sheriff Dept. in GA, which is where the money was wired to. Why would I go through all this trouble especially getting the FBI involved if it was me who did the transaction? Also, after closing my account with Washington Mutual, two weeks or so later, they allowed other transactions to go through for over $300.00 and now they have sent me to collections! When I contacted them to ask them why they allowed those transactions to go through, they stated that the account was NOT closed! I told them that I had gone in person and I have a witness and closed the account then they tried to justify by saying that it takes two weeks for the account to close and that I didn't do my part in informing the copanies that I had automatic drafts with to stop the drafts. I told them that I had informed them the month before and asked them to send me a bill but they (the bank) didn't want to hear it.

This has been nothing but mental and emotional anguish since the very beginning and I'm still out over $1,500! I have documentation of who I have spoken with, police reports, FBI confirmation of claim submitted, print out of transaction while it was still pending, etc. I had immediately went in person to notify the bank (which they told me from the beginning that they had to let it go through in order to investigate). If someone can get in contact with me, I would greatly appreciate it. Thanks!

I have been a Wamu customer for over 3 years. I have also been using the Quick Chek NO-FEE ATM terminals since the first one i visited over 3 years ago as well. I primarily try to stick with either WAMU ATM or QUICK CHEK ATM because they both offer no-fee atm transactions for me. Everything was fine, up until a few days ago. on 01/05/09 i was charged 10$ for ATM withdrawals and 2$ balance inquiry from 2 separate Quick Chek locations. Nothing has changed on the Quick Chek side, they still offer free atm-withdrawals and balance inquiries! Both on their website and in their physical store locations, on signs it says NO-FEE ATM above each ATM.

At first i thought it was a mistake, but then after sending a message to WAMU through the website, using my login that i have used ever since first joining Wamu. They replied that it was a PNC BANK ATM, and that non Wamu ATM transactions are not free. So why are they all of a sudden charging me? Is it because i stopped overdrafting my account? Most likely! This is quite unfair and im sure not many will notice that what they thought was a NO-FEE ATM transaction is now being charged! If they do this to everyone they stand to make a considerable amount of money! And if they do not give me back my money, imagine how much they would make!

I, as im sure others do as well, go out of my way to go to a Quick Chek for the sole purpose of not having to pay a fee to access MY HARD EARNED CASH! After years and years it all adds up, and this is purely STEALING! Today i will confront a actual human being at a branch near my home location where i opened my account, and hopefully they say this is a mistake, but im quite sure they will not.

I already canceled my direct deposits to Wamu and will close my account today, no matter what the outcome with the branch manager or teller. I WILL WAMU NEVER AGAIN! AND I WILL PICKET OUTSIDE OF THEIR BRANCH SATURDAY AND SUNDAY.

I have been using Washington Mutual for almost (3) years now and have not charged anything in almost a year. They added a blurb on one of my statements stating that I have the option to either close my account (and hurt my credit score) or my interest rate will increase. Since I don't charge on this account, I don't view the paper statements and pay the bill on-line. This month I receive my statement and only $20 went toward my balance because they DOUBLED my interest rate! I work on a commission job and my husband is laid-off. We are trying to pay off our credit card debt but how they are allowed to do this is beyond me. AND to top things off they have one of their "customer service reps" call me to tell me too bad and upset me even more. We have to stand together and NOT CHARGE anymore..let these financial institutions go under..they deserve it from what they are doing to their consumers!

I went to a drive up ATM to deposit $406.00 dollars cash. Then I got a letter saying that I only deposited $200.00. I know I put in $406.00. I tried to fight it and they still insisted that it was a deposit of $200.00. Ridiculous!!!!

I am a single mother on Welfare, and I only get $500 a month, so $200 is quite a lot to be short for no reason. As a result I couldnt pay my car, and got a letter for repo.

Deposited my severence check from Wamu - I was laid off in December - in my Wamu account - and a 10 business day hold was placed on the check. The check is from Wamu - signed by the CIO - Tom C - has the Wamu logo on it and yet I'm told they have to put a 10 business day hold on the check to make sure it is good.
How can they justify a hold on their own funds ?

As a busy professional, and average american, I waited until the last minute to try and pay my WAMU payment on 12/30 that was due on 12/31. I already knew that one of their scams (that NO OTHER CARD DOES) is charge you $14.95 to make a payment ON the due date. Well, it still 12/30, late evening, and I tried to login to their website, but could not becuase it was down for maintenance or otherwise down for increased $14.95 fees. I figured well dang, guess I will pay the fee then ask for reimbursement since their website was down. They denied my request.

I am sure this is criminal in some way, they trained me that the deadline is day before the due date, but then take down their website during the last several hours so they can get more fees. I am done, I will xfer my balance ($3400) off and don't care if they close my account like they did on another WAMU card that I almost never used so they closed it due to inactivity they really live up to their kick you when down reputation the credit cards are getting these days. As a rule I try to avoid these low end companies and use more reputable companies like AMEX and Discover.

I fell behind 2 weeks on my credit card payment when I had to fly home for my mother's funeral. I am paying up to date this week. For the past 5 days I have been receiving from 8 to 10 calls a day from various area codes, but no one is ever on the line when I answer. I Googled thenumbers and they are the Washington Mutual collections people. They call as earlier as 8 a.m. and don't stop coalling until late.

I work overnight and I hae to turn off my phone or I get woken up constantly by these idiots. I believe they are in violation of the California law by calling me 8 to 10 times and not identifying themselves, plus they are not supposed to call before 9 a.m.

When I origninally got my home loan from WAMU I requested an impound account be set up for my taxes and insurance. After several months of making my mortgage payments I realized there was no impound account. I immediately made phone calls to WAMU and wrote letters for over 2 years to get this fixed, each time being told that the impound account would be set up and they would fix the problem, but never received any information about how to start paying in to the impound account.

Then all of a sudden, a few months ago I received a letter from WAMU stating that I owed $14,000 or face forclosure. Again I began to make phone calls and write letters to resolve this problem. I did not have $14,000 cash and wanted to work out a payment plan. Again they said they would fix the problem. Next, I began receiving forclosure notices if I did not pay the $14,000.

I just received my final forclosure notice on December 27, 2008. My home has has been forclosed and I have to move out immediately. Washington Mutual did nothing to help me resolve this problem. After countless phone calls, faxes and letters, I never was able to set up a payment plan to pay my taxes and insurance. Now I have lost my house and all the remodeling work I have put into it, not to mention the $100,000 down payment!

I've had this account for many years I've not been late with payments. I received my next bill for January with a increase in the annual percentage rate of 30.92%. I was not notifed in advance of this increase rate. When I called them about this problem the operator was in another country and was very rude. I explained the situation to her she told me I was late in february inwhich was not true.

This caused a lot of stress

The overdraft fees of Washington Mutual (Wamu) is atrocious. $33 for each overdraft even though you deposit money the next day. The worst part is you don't know when incoming transactions are going to put you over the limit. Instead of being a normal bank and stopping the transaction, they let it through to charge you money.

Unauthorized tranaction caused my business account to go into overdraft. WaMu started charging overdraft fees after I disputed the charge and continues to charge overdraft fees. I would make a deposit but my branch is located in a grocery store and has been closed for two days (during Christmas)and has no night deposit box. 6-7 online cooresponding messages (during Christmas) to try and keep WaMu from charging me until I could get to an opened branch to make my deposit resulted in more fees. So...I have money to deposit, but I have to wait until I am charged multiple overdraft fees while WaMu branches are closed before I can get my deposit in?? Unethical, period.

Hardship & stress for myself, my new business and my family

I have several accounts at Washington mutual in Santa Barbara. I withdraw $2,200 dollars from my checking account. I immediately drove to my credit union which is only 5 minutes away from Washington mutual. I deposited the $2,200 and the teller at the credit union said there was something wrong with $100 dollar bill I told them I had just withdrew the money from Washington Mutual so my credit union was going to verify and let me know.

I went home with in 20 minutes the credit union said the $100 was forfeited money. On my way to the credit union I stopped at Washington mutual and talked to the bank manager (Kevin J) and explain what had happened he said he needed to see the $100 bill. I then went to my credit union asked them if I could have the $100 dollar bill they said they said their rules is not to give the money back but since I had been a credit union member for the last 24 years they were going to give it back to me I then went straight to Washington mutual gave it to the bank manager (Kevin J) who then said once you walk away from the bank with the money we are not responsible and I will call you back. He was rude and practically yelling. This happened 11/17/08. I have not heard from him or the bank. I think they are given forfeited money or they are not training the staff correctly. I am closing my accounts today and I don't ever want to do business with Washington mutual again.

Stress and lost total trust in banks now I need them to check the cash out or get cashiers check.

I used the atm in frount of the bank, It broke down in the transaction.I went to the other atm and tried to use it. It said I could not have that much money.I was over my limit for that day. The other machine had taken the amount out of my account and would not let me with draw anny more money. The bank said I took out the money when I did not because the atm machine broke down.

I have lost 300. dollars and they will not give it back to my account. I was to use that money to purchase a christmas gift.

WAMU sent a change of terms notice and opt out procesure specifying a November 30th date. Though WAMU received an appropriate opt out letter on November 28th, they state I missed the cut off as the letter was not entered into the system until December 2nd.

Interest rate increase 85% with corresponding increase in payments due.

I and my partner have repeatedly told Washington Mutual there is no one at this number that does business with them and take this number off their list The person's on the phone when asked to speak to a supervisor, said they needed our name first. They refused to give their name and would hang-up. They have called about everyday for about a month now. They have called from 0700 hours to 2100 hours, and up to 4 times in one day.

My partner works the graveyard shift. When they call it interrupts her sleep and she can't always fall back to sleep. This has caused her to suffer at her place of work in the medical field. I would like immediate action taken against this company and their practices. I have been on the national DO NOT CALL list for many years. Washington Mutual harassing phone calls and soliciting needs to stop. Please help

WAMU representatives have deceived me by not facilitating a loan modification. They are withholding information and they would not put anything in writing. Now they are telling me that my loan is with Freddi Mac and that In need to be 90 days behind on my payments to have my loan modified. In the meantime, they overdue amount is going up and adding more late fees.

I am streesed out. It is causing me mental anguish and I can't sleep. My credit is getting ruin and I am about to walk away from this house.

I received a statement last night stating my interest rate was over 34% from the normal 20% that I paid. I know not that low, but I have been working on improving my credit. My credit score is over 600 and I have not been late on any of my payments. When I called the rep last night, he informed me that they sent notice out in August and that it is to late to opt out. I honestly do not recall ever receiving a notice and two when I went on line to look at my statement, it is not accessily ready. I have to order it.

I sent an email to them and all it says is that I currently do not qualify for a lower APR. It takes them 6 months to do another review. I called all my other credit cards and not one of them is hiking my interest rate and have no plans at this time to do so and in fact 2 of them lowered it for me. Why am i paying this high of interest wehn I have not been late on any of my payments? Why are they doing this judging on my credit score? When I was first with them my credit score was much lower.

I'm a single income and this will greatly impact my ability to continue to pay ontime and where I have been working extremely hard to keep improving my credit will increase the risk in getting back to where I'm unable to make payments. Before August, I had almost all my credit cards at a zero balance, but due to the gas prices and unexpected medical bills, I ended up using the credit cards quite a bit. I'm now at a point that I will work very hard to lower the balances, but having this happen will set me back.

I have opened a savings and checking account from this branch in April and was told by numerous tellers that there will be a hold on my payroll checks, but they had asked me to bring my check stubs in to prove that they are payroll checks. So, the next time I went to make a deposit with my payroll check and stub my deposit had no hold on the funds. My next visit for deposit I was told to bring my stub in again or there will be a hold on my deposit, which made me upset because I was told by the previous trip which I had brought in my stubs to fix the issue.

The teller then directs me to the branch manager Brenda, so I explained that her tellers had told me that if I had brought in my pay stubs there would not be any holds on my deposit. She had told me that because my account is new that it would take several months for the system to recognize the check. I told her I was ok with the hold because I am a new customer, but everytime I make a deposit to one of the tellers they ask me to bring in the stub. Why ask me to bring in my stub and not resolve anything?

She apologized for her tellers asking me to bring in my stubs and that she would inform her tellers of this issue. Several months pass and recently in November, my last deposit of $17,850.00 with no pay stub was not held. I had made a deposit on December 17, 2008 of $7800.00 and the teller said that there was no hold on the deposit but went to see an assitant manager she had told me that where was no record of the previous checks deposited and that there was nothing she could do but to speak to Brenda the branch manager about the hold issue but she was not there at the time.

The next day I had called Brenda and spoke to her regarding my payroll checks, she tells me there is nothing she can do and that I would have to call Washington Mutual because the savings account was opened online. But I was making a deposit in my checking account that was opened at her branch. I called Washington Mutual and spoke to the call center manager Evelyn about my payroll checks being held. She had told me that the branch that I had made the deposit was responsible for the hold on my checks otherwise it should have cleared.

After ALWAYS paying my credit card on time and ALWAYS paying over the minimum due, I was late ONE TIME by ONE DAY. Not 30 days, mind you, just one day. WAMU not only got me for a $30.00 late fee they raised my APR from 8.99 to 24.99. I was told it wouldn't be reviewed again for 6 months. After 6 months of paying through the nose I called and ask that they reduce it my APR..Nope!! Not going to happen.

My monthy payments almost tripled.

Someone fraudulently made an $800 purchase through PayPal using my husband's WaMu card. PayPal notified him of the potential fraud so he could confirm it. PayPal dealt with it immediately, but WaMu dragged their feet on resolving it for over two months. My husband called WaMu customer service numerous times. Each time he got a customer service representative who assured him that he/she had reversed the charge and that he needed to wait 5-10 business days for the balance to go back to 0$. 10 days would go by and the charge would still be there. He'd have to call back and begin all over again with some idiot at WaMu who would take him through the same routine. After about three times round and round, he had to call and just light into a rep.

FINALLY, they reversed the charge, but now we are getting billed for late fees because it took them so long to reverse the fraud. So, more phone calls and more waiting for the charges to reverse. We work for U.S. Bank and do not treat our own credit customers with such stupidity. When and if we can ever get the account back to $0, we will close the account and make sure that everyone we knows NEVER does business with WaMu.

Unspeakable hours on the phone to resolve the same problem with multiple service reps; late charges for fraudulent charges.

Washington Mutual is harrassing me. They call my home phone at 8:25 every morning and then several times during the day on my cell phone. I checked when my bill is due and it is not due until Dec. 31. I ask them and tell them that this is when the bill will be paid and not a day earlier. Quite frankly they has upset me and I put them on the bottom of my list to pay this month. What can I say to them to make them stop?

My APR has been 12.99% for the past two years that I've had my Wamu card and I have been really good with paying on time, etc. Suddenly I begin getting really high minimum monthly payments so I call customer service to find out why. They tell me that my APR was raised to 21.99% and that they sent me a letter saying I could cancel the card if I wanted. I NEVER GOT THIS LETTER and now I'm stuck with this ridiculous rate. I moved several times within the time they supposedly mailed this letter so it might've gotten lost in the mail. They should be required to communicate this huge change in mutliple ways: 1) physical mail 2) e-mail 3) phone call Something must be done....

I am a full-time student with financial loans, etc. How will I ever be able to pay off my debt when I am paying $200 in fees?? I am barely floating now...

12/16/2008 A check was forged out of my washington Mutual Business Account. I called and reported the fraud. They pulled the funds from the person who forged the check. They said that they sent me a letter to have notarized to file the claim. (I never received it) I have tried to follow up on the case... no response. I called to see the process for dropping the claim and getting the money back. Now they say they dont have the money. Better yet, they wont tell me what to do next other than write a letter.

I have been banking with WAMU for about four years. In the past year my son has gone to college 500 miles from my home and we share an account. I also have several other checking and savings accounts. I have had $1,300 in overdraft fees in the last year between my sons account and mine. This was our fault for overdrafting and transferring etc.

However, I reviewed the fees and over 90% of them were incurred on the same day or next day after transferring coverage funds. It's just an absolute rip off. Right now I have 7 $33 overdrafts on my son's 7 withdrawals which amount to $42. So I have had them waived once before and they said they would not grant that again, but I'll try. Nonetheless, what kind of ethics does a company have that changes $231 for $42 in changes. None I would say and I will be closing all of my accounts with them by the end of the year.

Today Friday, December 12, 2008. Washington Mutual has put a hold on all direct deposits. They are claiming it is a System Error, on a Friday when most people are being paid. A company that recently became insolvent, which had to be sold to Chase. This is an outrage.

I will not be able to pay my bills on time due to their incompetence. Customer service does not want to do anything about it, and they don't even want to add some time up Sorry amount to the account.

I have been trying to reach out to WAMU and their loss mitigation department time and time again. However, my efforts are all for not. The folks at WAMU continue to drop the ball. They claim to do something and you find out later that is not the truth. Also, they will not take your calls or return your calls. I would love to visit them in person. If anyone knows where they are located, please feel free to post it somewhere online.

I could lose my house. This is causing the strain on my financially and emotionally.

Washington Mutual unfairly raises interest rates. They raised mine to 31.99%! Said they cannot negotiate a lower rate. Only option was to close the account at interest rate of 27.74%

See above. What are we to do about usary/credit cards unfairly raising interest rates/taking advantage of consumers?

In short, I have had my credit card account with them since it was Providian which would've been 2004/2005 I think. My limit started out around $2,000 and a decent interest rate (I can't remember what it was) after a year or so they sent me a letter they had lowered my credit limit to just above my balance due to my credit report. My credit report contains absolutely NO negative things at all, no lates, no missed payments, no nothing.

They did this again about 6 months later. I paid the card off after this. 2 years ago I used it for a hotel room on business. Shortly afterwards (within 6 months) I received a letter stating they were increasing my interest to 29%. I wrote them that I rejected it and paid the card off. Rejecting it did not close the account nor did I want it closed since I have had this account for several years. It served as an emergency card just in case. No balance and I could pay it off in 1 month if I needed to use it.

on 12/5/2008 I received a letter from Washington Mutual/Chase that they had closed my account, once again due to my credit report. Having no lates, no missed payments, the reason they gave in the letter was 'Too May Mortgages' I have 2 homes, my primary and my rental property and a small 2nd on my rental property (btw it is financed by Chase) I do not know HOW these jerks can do this, this affects peoples credit and for NO reason. I kept the account open just in case it was needed.

12 05 08 Washington Mutual,Railto CA an branches, will not cash, their checks, sent from their customers, who use ONLINE BANKING,also accont holder CA area, as JP Morgan Chase checks, are now issued online and sent out. Recievers of those checks, if not a Washington Mutual Customer themself, may not cash those checks, at any Washington Mutual bank.

Most banks, cash, honor an cash, their own customers checks, to non account holders. And the casher of the check, need not have a account, at their bank, to recieve the funds, of a check written, by their account holders.

But Wa Mu, the biggest single bank failure in the US history, sezied by the feds , an sold, to JP Morgan Chase, who now owns it all, contrary to what their employees were telling us, they did not merge, they were FAILING, SEIZED, SOLD, AN BOUGHT, for their failures. WASHINGTON MUTUAL lost it all, the company who bought them JP Morgan Chase, decided, BIG MISTAKE, to retain its WaMU employees, their chain of command an service an oppration, is so defective its a waste of time an efficiancy, an anyones assets.

I had made a trip all the way up to the bank, as I had done many times before to cash a WaMu check, from a WA MU customr, but wait they wont cash it because it says JP Morgan Chase the company that bought all their deposits. Personally if they dont have my depoists if I was a account houlder I dont want to be doing business with them they are just a middle man with costs added that way. It actually sounds against the law an like a stall tactic to not pay out any actual money unless its to wa mu account holders. And in this day an age , with electronic instant transfers an transactions, why would a check have to be put on hold for 5 to 7 days, in your own bank account if u dont have enuff funds to cover cashing it, because that way the bank retains that actual money until called for. Yah sounds like a stall tactic to me probally against the law, or should be, should also be against the law that they dont honor cashing their own account holders checks at their banks, to non account holders.

Check was written from my WaMu Equity Plus Account on November 18, 2008 in the amount of $79,800 to Stewart Title Company. On November 19, 2008 I flew out of San Francisco for a Thanksgiving holiday to Florida for a cruise. I did not return home until 1am in the morning on December 1st, which is when I found the letter from WaMu stating my credit limit had been decreased on November 17th, the letter was dated November 18th and the post mark on the letter was November 20th. Since this was a cash offer that was accepted on a property with this check written prior to my departure I must pay this debt.

I have to find $79,800 to pay this bad check. I am in the process of waiting for copies of the check to dispute this with the appropriate departments of WaMu. This needs to be made illegal for banks to do to consumers. I would never write a bad check.

When I was notified that my department would be let go at the end of September, I notified customer service for my WAMU Visa card. I was informed that until I was laid off there was noting they could do. After my layoff, tried calling customer service again to ask them to work with me until I found another job. I was told that unless I received a letter with an offer to lower my interest rate, there was nothing could do. As the layoff continued, I paid what I could afford. However, I was receiving phone calls 2 or 3 times a day, asking when I could make the minimum payment. Due to the balance owing, the minimum payment had been jacked up to $165.00.

After writing to the Attorney General, of Washington state, a representative called me from Pleasonton, CA; her name is Cheri G. I explained my situation, and her response was that unless I paid the minimum payment they were requesting, I was out of compliance; there was no way they could help me. In response to the attorney general's office, Cheri sent me a 3-page letter, stating that since I had refused her offer of a payment plan of $234.00. At the time we spoke, she did mention that she could set up a payment plan, but it would be higher, never mentioned the amount they would charge. I told her that I was in no shape to pay more), once again saying that if they charged it off, I would have to work with another lender/company.

So, here's the deal: consumer credit counseling agencies always tell you to contact your creditors and they will work with you in hard times. Washington Mutual is living proof that's a lie. Tell me how a bank that received millions in a bailout (they're part of JP Morgan), could be so greedy. All I am asking is lower my interest rate and give me a lower payment so that I can pay back the debt. I also received a call from the Attorney General's office, saying they received from Gorman, and they would close the case. There was nothing they could do, either. I'm looking for an answer. Are these banks so big that they are beyond dealing with the consumer directly? Must be great when all you haveto do is ask for money and you receive it. By the way, there was an article that a phone conversation was overheard from JP Morgan reps about bonuses and how they should be divided up. Check it ot, I think that you may be surprised.

As it stands now, if I were to pay WAMU $234.00 a month for their credit, I could not affod to eat. I could go ahead and send them a check for the amount, and then they could wait 3 weeks until it stopped bouncing

I am mortified that Washington Mutual Card Services has changed my interest rate to 26.74% on a mere $1500.00 balance and I beleive that this is robbery in a time of such economic crisis and holiday season and there should be laws prohibiting them from being shylocks under the guise of a banks name. I am the mother of 5 children and I cannot believe that banks can get away with such robbery/oppression. Where can I make a complaint that might do some good in getting situations like mine noticed? If the people do not speak up and if the government does not help, yes there will be a depression and that is because of unfairness like this.

the 26.74% interest rate on a $1500.00 balance means that out of my minimum payment of $48.00 they are charging me $36.20 in interest. This makes it impossible to pay off and is forcing me to write a payoff out of my home equity line which I am deperately trying to pay off in light of the economic recession that we are in. It is painful and my kids will have less of a Christmas this year as I cannot afford any of this at this time and do not wish to lose my home trying to stay a float.

Dear Washington Mutual, I think your voice mail and the prompts are one of the worst I have ever encountered. I wanted to cancel my debit card and no matter what I did I could not get someone to talk with me. I finally had my assistant spend 20 minutes trying every prompt before we got someone and the person helping and the questions asked were a waste of my time.

Every interaction I have with your bank is an encounter with stupidity. I have never had such horrible interactions as I have had with your bank, it is no wonder that you are nealry bankrupt and have had to be taken over. Your entire system of operation is based on wasted time for your consumer. It is without a doubt the major reason of your demise - the stupidity of your operations.

I have had a WaMu credit card account for approximately 15 months, which started out with an interest rate of 14.99 percent. During this time period, Washington Mutual doubled my credit limit because I have never paid late or exceeded my account's credit limit...I also tend to completely pay off the card's balance once a year.

Last month, I received a notification that my interest rate is going to increase to 25.99 percent, effective January 1, 2009. I called customer service to get an explanation as to why they would almost double my interest rate for no good reason, and was simply told that I had become a credit risk. I requested the specific reasons in writing, which I received, notifying me that my maximum balance compared to limit over past six billing cycles too high and serious delinquency.

First of all, my credit score was lower when I first obtained the WaMu credit card...and I have not paid anything late in 5 years...so my credit score is nearly 700. Also, during two of my last 6 billing cycles my card had a very small balance or no balance at all.

By nearly doubling my interest rate to 25.99 percent, I will pay more than 1/4 of each purchase back in interest...that's ridiculous.

i called to find out my balance and before she could give it to me she said she neede to ask personal questions to verify that indeed it was me she was speaking to,this i can understan, so she asked ss# address and then she ask where my ex husband lives????? i refused to answer and so she froze my acct. #1 invasion of privacy#2 non of your business#3 hes my ex husband i have no idea.ive never heard of such things and about family memebers!!!! no this is unacceptable.not only were they rude they froze my acct.

i no longer can use my card and will have to either go to a bank,lose time from work,to straighten this out or wait 10 for a letter she is sending.its xmas time and was counting on useingthis cc.i just cant believe they can get away with this.

has chase taken over wamu bank. if so our chase going to handle the complaints against wamu. i have been fighting with wamu for over 3 years.

we lost our moble home and over 35000.00 because of this bank.

I recieve afdc from the county and always withdrawl the full amount of my grant which is 800 hundred dollars from the atm. if i use an atm that has an withdrawl limit the atm will let me know to enter a lower dollar amount and its limit. yesterday i used the drive up atm at the wamu in el centro ca and i entered the 800 dollar amount the atm proceeded with my transaction and telling me to please take cash as i heard it despensing it but to my surprise no cash nor a reciept was given to me only my card back.

i immediately went inside to see what i could do and the teller said they do not deal with the atm and could not help me i would have to call my card holder. I did that and filed a complaint with my card and they said it would take 25 days to investigate the situation. that was my total income for the month and i had bills to pay and rent. I called the customer service for wamus atm and they told me to get a print out from my card stating that i did make a transaction there. so i got that but still they the local branch said that they could not do it but i spoke with sergio inside the office who said if i wait until the next day the atm would reset and they would know if the atm was over the 800 dollar amount.

so this morning i went back down to the bank and joan told me who ever told me to do that was crazy that the banks atm doesnt reset every night and is only balanced a t the end of the month.. these employees were rude did not want to give me names and whatever the csp on the phone would tell me to do to get my money they would say i was lying. i was in that bank all day yesterday and they looked at me like i was crazy.

my utilities have late charges and shut offs...my rent is getting a late fee for each day late...my kids are without food and diapers..toilet paper shampoo, drinks..i cannot sleep and have been throwing up blood stressing on how to pay my bills and feed my kids i am a single mother and can believe especially during the holiday season that this would happen and tey would be so rude to me.

Washington Mutual changes their procedures every month to benefit themselves. I opened my account with them 5 years ago and I never had problems with them until recently. I have a checking and savings account with them and since I have a small balance in my savings they take out $25 from my checking and transfer it to my savings on the first business day of every month. Yesterday was Monday December 1st and the $25 should have been taken out. If they would have taken it out then I could have deposited the money in the bank and been fine. They didn't take it out so I assumed they weren't going to but they did today when all my transactions went through and now I'm overdrawn $5 and have to pay a $33 overdraft charge.

They do this every month. Last month they took the $25 out of my account which caused me to be overdrawn but yet they still charged $5 to my savings account for not having enough money in there. Every time you try to speak to someone you get a foreign accent that is obviously reading from a script. They say the same thing over and over again, they do not listen to your problem. Then they transfer you to a supervisor somewhere in the U.S. so you think that they are going to listen to you but they don't. They just tell you there's nothing they can do.

Hello, I want someone that's going to fix my problem not tell me the same thing that the customer service rep just told me, what was the point in transferring me, just to waste my time? The last time I called just to get the phone number where I can check to see if my money order cleared. The first time they gave me the wrong number and the second time the guy was insisting that the same number was correct when I had already spoke to someone at that number and they told me Washington Mutual no longer went through them. Then the guy left me on hold for 20 minutes, I was so upset I hung up and called the branch and they gave me the number in 2 seconds. Washington Mutual has the worst customer service I have ever dealt with.

I've been charged so many overdraft charges I can't even count. At least $500 worth. I have a child and I am not rich I cannot afford to be paying these people for mistakes on their part. They refuse to accept any responsibility. I am closing my account and hope to never hear from these people again.

I have check dated 7/29/08 in the amount of $2,191.36 that was sent to [Wamu] & asked that it be applied to my acct. On Nov 14th I receive a letter from WAMU stating that for security reasons they can not process the request until they speak with me on the phone with any one of the customer service representatives. So, I called 3 times last week.

That call was disconnected so I called back & got ANOTHER PERSON WHO CAN NOT SPEAK ENGLISH. I explained that I had received their letter & that it was ok to apply the funds to my acct. My 3rd attempt was to a person who spoke english but she was unable to help even though she admitted that she saw where they had received the check. All I got was the run around because no one can help me so I said that I would have my lawyer contact them.

I just called today & asked for the name of the president of J P Morgan Chase but they did not have that information. Once the check is applied I intend to cut my card in half & close my account. I have never in my life been so frustrated with such incompetence. If it takes a lwayer to get it resolved then so be it.

Just mental frustration with such incompetence.

they rasied my insterst rate for no reason fron 7.4 to 15.9. all they will tell me is i became a credit risk. i got all three of my credit reports since then and nothing is wrong i have a 700 credit score. i can see how if they do that to a lot of people then the risk is on them they up the rate then you cant pay. whats wrong with them?

you cant talk to anybody nice they are all rude cant get over there head. they want let you know any names. i was with providian for 13 years before washinton mutual bought them a couple of years ago. now nothing but trouble

i was so tore up after talking with them for days before i got my credit report. now i know its them not me

I Purchased 2 items online. One for $540 and another for 99 cents using my WAMU debit card. At the time of the purchase there was enough balance and the transaction went trough with no problem. A week goes by and checking my statement I notice to overdraft fee of $34 on my account. Called customer services and spoke to a supervisor Audrea D in texas center team 23. She explained me that at the moment of the transaction there was enough balance on my account but later when transaction were reprocess the account had insufficient funds.

As a result the bank charged me $34 for a 99 cents overdraft. Supervisor said it was OK and ethical for them to charge that amount. A total rip off in my opinion and should be illegal for banks to rip clients like that.

I have been carrying this credit cards with WAMU (I am only complaining about one of those cards. Not the other one, not yet anyway). for a long time. I HAVE NEVER HAD ONE PROBLEM WITH THEM. I loved WA MU for they seem to be caring and understanding and the kind of bank that we have waited for, for so long. Everybody I knew or spoke with spoke highly with appreciation of WAMU and had not had any problem with them.

Now here comes this so called bank that took over and life with them becomes unbearable. IN ORDER TO GET A LOWER RPI YOU HAVE TO CANCEL YOUR CARD. WHAT KIND OF MESS IS THAT! Everybody knows your credit rating is hurt when you close an account. But they try to make you do that...telling you that it won't hurt you. I am not sure how true this is, but if I were to close and my credit rating is damage.!!!! Where is the law in this to protect us from (in my option) being robbed like this? I have never been late, never went over the limit, and paid more than the min.

These unmentionables have raised my financed charges to 25% and when I asked them to bring it down for they had no reason to do this.They threaten me with if we bring it down you have to close your account! Don't make me pay for what others did, I have been a good customer and I should not be treated like this. I have been fair with WAMU and they have fair with me.This makes you want to do your best with this bank. So doing me like this! I do not deserve this! I have never ever heard of anything like this. This bank that took WA MU over is "to me" very disrespectful, uncaring, rude and should not hold the rank of being a bank! The News and public needs to know about them.

They (not WAMU) are so busy helping these companies with a "Bail-out" SOMEBODY NEEDS TO HELPS US customers with the highway robbery that is accruing with these credit cards. Or are you telling me that we have no rights that they can raise how they want to, to the point you can not pay it and it keeps getting larger and larger? Is this how we are "the customer" to be treated! I am sure with the economy the way it is, there are a lot of us that can not afford this type of treatment. Something need to been done about this, I feel like I am being ROBBED! I want this posted for everyone to see the raise that they did to me! This is far more than should be LEGAL! There must be some kind of protection for us, if not than one should be put in order! BE AWARE, THIS IS NOT THE SAME WAMU BANK THAT WE ALL KNEW AND LOVED!

It is said that they are making us pay for the mistakes they make with others..can they do that? It is very sad that in this great and wonderful country we have credit card companies/BANKS that can run amok with no one to stop them. May I say I am trying so hard to maintain a decent credit score, I have been working very hard to pay and pay right. I am not disputing the amount that I made, things happen. What I am disputing is how can one pay off when you raise RPI like this? How are [they] helping good customers?

Washington Mutual charge my account 66.00 dollars due to a mistake I made transferring between account. I put 1.00 each account checking and saving in the new account ask they for opening a new account. When I talk to to several reps told they would reverse the funds. Don't get any more run arounds

Unauthorized charges were made to my account in excess of $88. The full amount is unclear as the charges made to my card over lap billing periods and the company's paperwork is unclear. I reported fraudulent activity immediately, then closed the account. The very next billing cycle I received a statement with a minimum payment of $10, I called and asked and was told I was responsible for payment until the investigation was resolved. I complied so as to maintain my excellent credit rating.

The following billing cycle I received a statement with a 'credit' of $34.43 to my (closed)account, though further down the statement was a 'credit' in the amount of $122.70. I called the 800 number listed above inquiring as to where my reimbursement check was and why a credit had been made to a closed account. I was told I would be sent a check for only $34.43.

I explained the amount due was clearly stated at $122.70, and that I didn't understand the lesser amount. The male operator became hostile and curt, refused to explain, told me to have a nice day sarcastically and hung up on me. I spent over a half of an hour being transferred from one department to another, each telling me they were not responsible for handling the transaction/problem in question.

all I want is the $122.70 clearly indicated on the statement I received this 21st day of November 2008. I was treated rudely and with disdain, given the run around for over half an hour, and I would like someone to be held responsible for poor customer service and outright robbery.

In the month of September I notice I had two pending charge that was made that I did not notice. One was at Walmart in the amount of $400.18 and the other one was at a gas station in the amount of $45.00. Both charges was like 10-15 minutes apart on a Friday. I contact Washington Mutual and I was advise that they will give me a refund and research the charges. I was told that I need to send over a letter and any kind of proof that I did not make the charges which I forward a copy of my time sheet from work stating I was at work at the time of the purchase was made.

I received a letter stating that the charge for the gas station was refund back to me. An couple of days later I received a letter stating that the $400.18 charge was declined and that I have to pay for the charge. Once I received the letter I contact the bank to find out why I have to pay back the charge which I did not make which was in October they said that the signature match and that they will send me a copy of the receipt.I had to call every week and find out when was it mailed. I received the copy of the receipt and I must say that the signature did not match my signature. It look as if they scribble my first name and did not sign my last name which I always sign both.

I spoke to about 7 people on 11/20/08 so that I can speak to a supervisor and once I got a supervisor on the phone and her name was Amy she put me and hold for about 20 minutes and pick up the line and hung up the phone. I called back and spoke to another rep and she told me that no supervisor was available that I could leave a message and they will call be back. I advise the agent that I left a message last month which was in October and nobody return my call and I left one on Monday 11/17/08 and was told that someone will call me by Wednesday 11/19/08 the latest and I have not heard from one person from the Bank.

I have a credit card with you I haven't used in a while I called a few weeks ago and had a new card sent to me and started using it right away I was put in the hospital for emergency surgery and the hospital told me my card was no good later I called customer service to find out why as I still had plenty of money left on my card your costomer service center was VERY VERY rude (Gracie) she told me the card was canceled due to in activity which I cannot understand seeing how I have used it recenty any ways she was very rude and disrespectful perhaps you should monitor you costumer sevice representative a little better when asked to speak to a higher athourity she told me she was as high as it gets any way as result of this I am canceling 2 credit cards I have through you one of which I have had since I was 18 years old I will NEVER bank or do bussiness through your bank ever again and plan to spread word of your customer service nightmare!!!

My limit was lowered (due to my obligations and current risk to creditors). I have no problem with that as I don't use their credit card. The problem I do have is the limit was lowered to the current balance. Of course, any interest on that balance then takes you over your credit limit. Due to being over your credit limit, the company charges you a fee that takes you even further over you limit. I have paid what I thought would address the interest as well as the amount due but the cycle seems to continue when they lower your limit again. How do you get ahead?

As a result of their tactics, I am paying undeserved fees which is money lost.

We have a credit card originally issued by Providian that was taken over by Washington Mutual. Our credit limit was over $10,000.00. However, this credit limit provided by Providian was when I was able to work. I have been on Social Security Disability for over 3 years now with income 1/3 less that it was previously. We have always paid our bills on time including this bill from Washington Mutual until about a month ago. I have been hospitalized 3 times since June, the most recent in October for 10 days. Our regular payment of $325.00 to Washington Mutual was getting very difficult to pay.

I wrote Washinton Mutual 4 times and called several times trying to work out a payment plan with them. This account has been closed for years and we had been making headway bringing the balance down to close to $8000.00. I have called every creditor we owe and they have all made arrangements with us to pay our credit cards/loans with the exception of Washington Mutual. They will not work with us at all. They call me several times a day, everyday of the week and one time on the caller ID it showed Sears whom we have not dealt with in years.

They also called my husband at work to arrange a one time payment which is what they tell me every time they call. He was called into the manager's office and was told if he had issues with his creditors for them not to call him at work. I called Washington Mutual to try to make arrangements again and spoke supposedly with a supervisor who said they could not help us in anyway, but did put my husbands work number on a do not call list. They still continue to call and we continue to pay whatever we can afford, but the balance just keeps going up because they charge us a $39.00 late fee every month on an interest rate of over 29% which pretty much negates what our payment is.

I have no idea how to deal with this company at all. They do not care what your situation is or take into account you have never had a late payment in over 5 years. So we just continue to pay what we can. This situation has caused me serious emotional damage based on my disability and I do not know how to get them to work with us.

The account i share with my boyfriend was overdrawn. Someone stole his debit card, and used it. They denied our claim stating that what we told them didnt match the account. I don't know who buys 300 dollars worth of gas at differnet gas station within a week, but i let it go. I wanted to file suite, but I just let it go. Decided to just pay it and learn my lesson. Washington Mutual called because there wasn't any activity in the account, i didn't have money to deposit yet, but they said as long as i deposit i would be fine. They didn't say i needed to deposit a certain amount. I deposited twice in the account. Not very much at all, but enough to keep the account with activity. Without notice they sent the account to checksystems.

I called customer service to ask why they sent me without giving me notice,they said they don't give notices. So i ask them well how am i supposed to know how many days i have before i get sent to checksystems. They said its in my bank statements, i told them i don't recieve bank statements, so the gentlmen said 57 days of no activity. But yet i deposited twice there was activity in that account. But i'm very upset that I didn't recieve a notice. The only way i found out was when my boyfriend said his new account with BOA closed because he was sent to check systems. I've had BOA for a long time, and i've had this situation happen to me once before, and they sent me two notices, and i paid them so i wouldn't get sent to checksystems. I'm just wondering is there anything i can do, because this is twice they did wrong by me.

I don't have a lot of money, my boyfriends working two jobs and doesn't make enough either. We owe the bank 460, and we're tryin to take care of that, but my job pays me when it makes money, so i can't even pay the bills i have now.

I applied for a credit card online based on a solicitation I received. Long story short...I applied for a few balance transfers and after entering all of them (4 in total) I got a screen that told me I was approved. It did not give me a $$ amount, nor did it say that they approved only 1 of them in full and 1/2 of another. That totally defeated the purpose of consolidating my debts.

There is much more to the story, I did read the terms and conditions and I know what I saw on the screen. After complaining, etc...I finally got in touch with ROBERT. He is the executive customer service department in Pleasanton, CA who told me he was the highest that I would get to. Basically, I am done with WaMu. All my money is in a different bank. All my debt is with other companies. And, what's worse is that the Office of Thrift Supervision (OTS) who governs WaMu found nothing wrong with them...charging me interest on a 0% Balance Transfer where I had made no other purchases other than the transfer. WaMu provided me and the OTS with SAMPLES of what I allegedly saw on the screen yet in a day and age when everything electronic is archived, they could not provide me with the ACTUAL screen shot of what I saw. This all happened right about the time the bank went under and got bought out by JP Morgan Chase. Tired of going round and round with WaMu and the OTS, I gave up....

On Saturday, November 1, 2008, I took my car in for servicing at a local repair shop. I wrote the proprietor a check in the amount of $147.88. About six days following that payment, I discovered that the check amount had been entered twice on my online banking statement. I cannot explain why this has happened, but I know the car repair shop is a very reputable business and they are not responsible for any kind of fraud associated with this payment. In fact, when the matter was brought up to my local branch recently, the bank rep conceded that it was obviously a clerical error. However, I have been told that it will take seven to ten working days to resolve the issue as it must be reviewed by the bank's fraud unit back east.

Apparently, there is no way around this review period -- if I had money to just throw around, I wouldn't particularly mind the wait. However, this error will cost me dearly when all of my checks are eventually cashed as some of them will bounce because they were written with the understanding that I had enough money to pay for them. Without the missing $147+, at least two of my checks will bounce with the resultant fees, which will probably put me another $125+ in the hole. If the review period does indeed take all of 10 days, this will not be resolved until approximately November 24.

The bank does not give out personal loans unless the applicant is a home owner, which I am not, so I'm completely out of luck here. I'm having a very difficult time understanding the bank's policy in this case. I have no way of borrowing this money until the situation is resolved to the bank's satisfaction, so I'm wondering what they expect me to do to cover my bills, pay for gas and other transportion costs, etc. while they spend up to two weeks pondering a situation that one bank employee has already described as a clerical error. Why should the customer have to pay for the bank's error?

I've talked to four people through the customer service line and the local branch about the situation, and I am not getting any satisfaction -- it's all just more spouting of the company line about protecting their assets, etc. What about MY assets?!?!? WAMU prides itself on being a bank for the small investor, but it appears to me that it's all just rhetoric. The bottom line is that this bank doesn't care about the customers with modest means -- if they did, this sort of thing would be unthinkable.

Already described above -- I literally have NO way of covering this dent in my checking account and I now will be stuck with paying fees for checks that bounce, all because of the bank's mistake.

poor customer service..online bill pay set up...I have always been ok with washington mutual untill now..I thought i was doing the right thing by setting up online bill payee..i read everything right to set up my bills to be payed out of my account...i schudled my payment to come out on my next pay day which was on 11-07-08.. making sure that there enought funds in my account...they took the money out of my account on 11-03-08...4 days early...to be sent to bill payees...this caused overdraft fees on the bills to be payed 6 in total...i called and they told me they would not help me that i should have understand terms and agreements...yes i said that i did understaning that these charges would be out on 11-07-08.

i have very little money...just enought to pay my bills i had 200.00 dollars in overdraft charges.my child and i will not eat for the next two weeks....and not able to pay light bill...i am sick overthis not sleeping.

Every time I have called WAMU Customer Service to resolve a credit card problem I've encountered poor customer service in the form circular and scripted answers to my inquiry lacking any sensical effort on the part of the outsourced Representative to address my specific concern, rather they just read off a script. Every single time I have called, I've only received a satisfactory resolution by demanding and then speaking to an American based Representative. I have nothing against people from other countries earning an honest living. However, my experience has been that across the board, America based customer service Reps are vastly more adept at resolving issues personally and individually. I have a relatively low balance and I plan to pay it off and terminate my dealings with WAMU

I notified the bank on 11/3/08 and asked again if they would release my fnds of 1199.53 which was due to close on 11/4/08 for verbal abuse. They still have not released my money and will not until my attorney sends them a subpeona. I did sign a release and this should have been good enough for them but wasnt. Something needs to be done with them. They can't just hold onto the funds which is not theirs. Again, do something to them.

The stress and economic damages is unbearable. My funds have been returned and I am still insurring bounce fees and creditors are not being paid with the funds available.

they hold my checks and atm charges until I have no money in my account. This last check was from Oct 15 and cleared today. I called the person that it was wrote to and he told me that he cashed it a few days later. They have done this many times.I am still waiting for a charge to clear from a month and a half ago! I am tired of it. I know they were sued by other people for this. HELP We are low income with 5 kids and every penny counts. I now am negative 160.00 PLEASE HELP!

I have lost about 500.00

September 2008, while reviewing a statement for my HSN Platinum VISA card, underwritten by Washington Mutual, I noticed the interest rate had increased dramatically since I had acquired the card. I review my statements from the past several months and noticed that since April 2008 (rate 16.99%) it increased to 22.99%. I called customer service and asked the agent why my interest rate went up. She stated I must have been late. I explained to her Id never been late on that card or any other account. Plus, their agreement did not carry a universal default rate. AND my FICO score had been increasing over the past 12 months. The lady could not give me a good answer for the increase. So Id asked her to reduce the rate she said she couldnt.

The reason for this complaint is WAMU VISA has increased the APR interest rate to more than 25.00% on the existing balance on a closed account with no additional/new charges. This is the second statement (November) since Ive closed the account. I called customer service and I was told since I carry a balance I will continue to receive APR increases. I understand that WAMU is having financial difficulties and JP Morgan had merged with them EVERYONE IS FELLING THE FINANCAL STRAIN. But that doesnt give them the right to ROB people. I didnt do anything to merit the rate increases in the first place, thats why I closed the account.

THE ACCOUNT IS CLOSED I SHOULD NOT BE SUBJECT TO ANY NEW RATE INCREASES!

I believe WAMU is intentionally creating scenarios to cause people to default and hit them with a lot of fees that do not have limits. If this is the case their plan WILL back-fire. People will stop paying all-together and take the credit hit the debit will go to collections or be sold then settled for a percentage of the balance due. Dah!

I applied for a credit card from Washington Mutual in 2007. Due to car repair bills, I had a large balance,but did not goovermy limit. I was paying, however was laid off in September. Like a good American,I called WAMU to tellthem that my income would be reduced to unemployment.My call was sent to the Philippines, and I was told that unless I received a leer with a special promotion to reduce the interest rate, there was nothing that could be done.

As the laoff date got closer,I tried calling customer service again, was again transferredto the Phillipines,and was aked what did I want,and was again toldterewasnothing that could be done. Aftermy layoff,I went into a WAMU branch in the US, and spoke with a branch manager. I explained what had occurred, and even though he was verhy sympathetic,he said that there was nothing that they could do. I paid a small payment against the credit card, and was shocked when the next statement I received had a payment due of $230.00.Explain tome howWAMU has a CEO for 3 weeks that makes over 18 million when stepping down? I did the right thing by contacting WAMU to let them know my situation. If WAMU had any brains, when a customer calls with financial hardship, they would have a supervisor intervene. Now, as a result, a copy of this complaint willbe copied to the aAttorney General.

The accound is being resported as delinquent,and ia wrecking my credit score.

My direcet deposit payroll check was deposited to my account and the funds were put on hold, when i called to find out why, they said it was due to the adjusted from the $2000 deposit made at an ATM location in the city of Garden Grove. Itold them i wanted to report FRAUD because it was not me, i had my ATM and it was never lent to anyone. They said that i could not report fraud because no money was missing yet they charged me hundreds of dollars in overdraft charges due to my account being on hold and automated payments posting to my account. I basically lost a whole payperiod due to their mistake.

A few days later i received a letter stating they were closing my account in their best interest and i would get any balance funds sent to me. They sent me a check which i could not cash anywhere! they wouldn't even cash it because i wasn't a customer anymore and i got stuck with funds i cannot cash! i went to open an account at BOFA and a few days later found out i had been put on check system. I have not other way of cashing my payroll checks now but to go and pay a high fee at a liquor store! this is a horrible situation i've been put in that do not wish on my worse enemy!

I was put on check system due to THEIR error which they will not admit to. I lost two weeks salary due to charges deducted on my account when my payroll check was put on hold, and now i have to pay high fee's to cash my payroll check because no other bank will take me as a customer due to an error WAMU made!

I still have yet to receive the money from the bank. They told me that the account was still active. They told me they closed the account on Oct 24, 2008 and that ehy would mail me a check. I called today and was told that the account is still open and they will not release the money. I don't have patience for [them] and I want my money back. They have no reason to hold onto it. Please advise me what you will do with them.

I'm extremely stressed that my creditors are not being paid. There is an unpaid balance of 1300 not I will be responsible for. I will not pay it. The bank should make good on it not me. Also the physical damage my mom died last month from lung cancer. The check that initially was deposited on Oct 17, 2008 was part of her insurance money due me. They told me that the check would bounce and I had to contact the party who gave it to me.

After being mailed a collection notice for a check written I did not write I contacted Washington Mutual because my identity had been stolen when my house was broken into. I have never banked with Washington Mutual before. An unknown person opened a checking account in my name online. After providing all the paperwork asked for (twice because I was given the wrong forms to fill out) my claim was denied for the second time.

After calling the Forgery Department I was not given a clear answer as to why it was being denied again, but rather told to write a letter disputing their answer. I have provided all the paperwork, jumped through all their hoops and now I'm being told I made up this claim. I am VERY upset and disgusted with the manner Washington Mutual has handled my case in their bank and through their Forgery Department.

My credit is at risk along with the usage of my own personal information. Because of my identity being stolen and nothing being done my great credit line will be damaged because of Washington Mutuals stupidity and slow reaction time.

i was not allowed to open an account beacusei opened an account online and the questions they ask you about yourself, i was fine up until they asked me what state i got my social security card in(miss, calif.) both states i lived in, and i was very young so i ould not remember at the time i was filling out the application. so, i tried again, and again, and i was told after the second time to bring in my social security card, and driver license which i did to the pomona branch, but it seemed as if people were moving like robots and i had to get to my other appointments. calling the 1-800 number tonight i asked for a manager whom i thought would help me handle this problem, and he told me call back in 7 days, and i was like what? he said call back in 7 days. i could not believe what i was hearing, i have a lump-sum of funds and this man just turned down a customer not knowing how much money i may have had, one thing i do know is that he could tell thatI AM AFRICAN AMERICA,!!!

i was very upset, my stomach started to hurt beacuse i got so mad, and my head was in a lot of pain(stress pain)

Credit card obtained 2001. Was promised as credit improved the 24%interest rate would go down. Contacted them many times through the years and they would never lower it. Currently they raised it to 32%. Called and was told that I could have froze it if i had read the statement thoroughly.

I have a card at 7% and 10% with 1.5% on my car. I was told that it was within their rights to charge what ever they wanted. I have never had a late payment since account opened in 2001.

Stress, lack of sleep, financial troubles.

A few months ago I signed up for a WAMU account in addition to my regular bank account at a different bank. I set up my account so that $20 would be taken out every time I got paid so I could build a small savings for a vacation. I was supposed to go into my saving account, and it did. BUT, when I check my checking account after two months after no use of my debit card it said I had $40 in my savings account and -$56 in my checking.

So this month I am blowing all of that $40 to close my account. So much for saving up for a vacation! And when I called WAMU and told them to cancel my account and I would pay it off, they told me i would have to go into a WAMU branch and close it in person and bring $16 to pay off my account but they would use that $40 in savings to pay off the debt I owed in my checking.

I'm 21, I had a kidney transplant, I owe alot in bills, and I don't have all that much money to blow on nothing! I can't believe this! And when I complained, they blamed it on me and my spending when I hadnt spent a dime on anything. I'm done with WAMU and I'm going back to my original credit union. They actually hand you the money in person anyway. I don't appreciate the detached experience that WAMU provides.

I called this credit company to find out why a payment of $50.00 was not deducted from my bank account. The statement that was sent in to them was due on October 16th and the amount was a $36.00 minimum payment. When talking to the three individuals listed above, they were saying that I owed $86.00. That is not what the statement had and I asked them to send back the exact one that I sent in with my payment. I also recorded the automated system that stated that they did not receive a payment from me and that the minimum due was $36.00. They would not listen to the recording at their site.

I recently found out that this credit company went under and I am scared that they will practice this unfair process again. I have been a card holder since 2004 and have not had this problem before. I do not want them to try to tack on a late fee for something that I had no control over. I am hoping that you can help resolve this matter and request of them to send back the actual form where I hand wrote the amount of my payment. Not allowing them to send a statement that they drummed up.

I know that my statement had $36.00 as the minimum due by the 16th and therefore sent $50.00 just to send a little extra. They would not take into account of my previous history of payments. Karry had the nerve to tell me of the charges on the account. I told her that I always use my card and then I pay it off and it should not be thrown in my face. I am planning on again paying this card of soon as possible and then I will not do business with them again.

The damage that has resulted is more stress to me.

In June, I made a payment on the 1st, and didn't really think about it again until the 1st of July, when I made another payment. The payment date had been moved to the 30th of June, and I was 1 day late, and was promptly charged $30 for being late. This consequently put me over my balance, and I was additionally charged an over-limit fee of $39. The following month, I looked at my bill and discovered the charges, since they did not notify me of the fees, via email or snail-mail, and was taken aback. The real joy was the new interest rate displayed for me, however. It had jumped to 28.74%.

I called WaMu's customer service number, and was informed that there was nothing that could be done about it until the account was brought current, an amount of $251. Well, having just made a payment, I didn't have more to give, so I had to just let it ride.

This has been going on with me being pushed over-limit each month, and I have been making the insane minimum payments, always on-time., I made a half payment of only $70 on a $129 minimum payment due. I lost my job due to the economy and layoffs, and simply didn't have more. The payment was made on October 1st, on time, but it was not enough. On October 2nd, I received a phone call, telling me I was late on my payment of $59. I explained to the man on the other end of my situation, how I had paid a partial amount, and that I couldn't afford anymore at this time, and he said he understood. He then asked me if I could make a payment on a specific date of $59. I told him no, and we left it at that.

The next day, I received 5 or 6 phone calls asking me this very same question. Again I told them no, each time, and it was left at that. The next day again, more phone calls. I am looking for a job right now, and I need my phone to be available for this purpose, yet I am afraid to even answer it each time it rings. It could be a job interview, but more likely it is them again, asking me the same question as yesterday and the day before, and the day before.

For nearly three weeks now they have been doing this, calling 5-10 times a day, always from different numbers, some local, some in other parts of the US, sometimes from an 800 number. I have answered many times and told them each time the same answer, but to no avail. They still call back the next day. I'm starting to recognize the numbers now!!

At what point does it become "harrassment"? Bullying me isn't helping me pay my past due balance. I understand that I am past due, but I can't pay what I don't have. When I have it, I will pay it, just as I have all year long. The balance on the card is now at nearly $5500, when it was only $8 overlimit on the 1st of September.

This is an unfair practice, if you ask me. I'm beginning to wonder if I should be looking over my shoulder for the guys who are coming to break my legs. I'm not the only one who has been laid off this year, primarily due to bad habits of the banking industry. This is just one more way for them to get me. It all started from being 1 day late, and it looks like there is no end in sight!

I have exchanged emails with them 6 times now, never getting a real answer, all I want is to cancel my account, and for them to take out these bogus charges. As simple as that, and I feel like I'm being scammed. Yes I should have read their location information, but I was new in town, and they DO portrait themselves like a nationwide bank, and in reality they are not, they have misrepresented themselves and scammed me, now they won't even help me get this account canceled without paying all these bogus fees that I simply will not pay.

I applied for a Secured Checking account and received it. I went over the limit by a small amout.I was charged over the limit charges plus Interest, I pay off the card and requested that the account be closed, however, discovery that the account still showed that I owed the monies after I deposited 6000.00 into my account I consulted with the Manager James and ask if I could pay the money off and keep the Savings account open, the reply from the manager was yes,

I paid the card off for the second time to have the bank close the account and tell me that I would receive my monies in seven days, then fifteen and then fifteen more days without interest on my money. I called the creditcard department and asked if the money could be wire transfred, the answer was no, I aske if I could just have it put back into my account they said in about fifteen days.

I call to see if that transaction had been implemented and it had not this was the seventh day. I went to several WAMU Banks to no AVAIL. I retrieved 500 dollars of the 800.00 owed me thru a Tellie transaction with no envelope and my account was closed by the fraud department, and they still owe me. Question if they can charge me for holding their money in excess why cant I and if I cannot take money from them and deprive them of the use of their funds how can they do it to me

My Account has been closed I'm A Veteran of US.Army, I'm disabled, and my monies will be tied up for at least 30-60 days that I had to open an account with another bank, my credit has been scarred

Noticed interest had gone up from 1.99 percent to 13 or more on one promotion and 23.99 on another. Wrote to Washington Mutual disputing that the rate had an expiration. Return letter CONFIRMED that, after the promotional rate expired, you would receive a new interest rate of 1.99. So wrote to them again to demand an appropriate credit and adjustment to the account retroative.

Have now received a letter stating after careful review of your account it has been determined that your finance charge(s) and fee(s) are correct.....we are unable to fullfil you request. How can they confirm the allegations made in my dispute and say that I was correct and then refuse to give me credit for all of the extra interest I have paid since March?

I have paid interest at a highly inflated rate on two promotional amounts since March 2008.

Unfair APR increase: APR Purchases: September 2008,19,99% to October 2008 28.74%.

Personal hartship

In September I received a credit card statement claiming that I was over my limit even tho I had made no purchases. I called up and requested that the over limit fee be removed since it was their fee that threw me over the limit. They agreed to remove it. I made a payemt sufficient so that when they added my interest I would be safely below my credit limit.

Today I have received a statement for October and again, without having made any purchases, and again they have added fees putting me over the limit. When I called them they said it would take two billing statements to show the reduction of the over limit fee during which time of course it keeps me over the limit. I am very frustrated with them. What good is a credit if they won't give it to me? And it wasn't really even a credit. They were only removing the amount they overcharged me.

So far I've been stuck with nearly $100 in over limit fees! My credit is suffering and they are trying to set it up so that I am perpetually in the whole so they can charge me more and more fees. I've never been late on a card payment and diligently stay below the limit. I can't even get below the limit on this card now. They are changing my balance so fast I never have a clue what the bill is going to say and I haven't made a purchase for over 2 months. It is obvious gouging. They are killing me.

On 10-14, I deposited a $22,800 check from a loan against my retirement savings. WaMu, where I've been banking for 13 years, told me that they were holding $4,900 until 10-21 and $17,800 until 10-29. When I pointed out to the cashier that the check was on them - meaning their own bank - I was told that they hadn't gotten that far yet - because the check was from JPMorgan.

I took the loan because I need to pay some big bills. Holding the majority of it for two weeks is not going to allow me to accomplish the goal I set out when I withdrew the money from my retirement saviangs. In the meantime, the bank gets to play with my money for two weeks. Inappropriate banking practices.

I am closing my Washington Mutual checking account today, which I should have done years ago, when this pattern began. What they claim is that customers who have a home equity line with them get free checking. What they actually do is give it free for a while, long enough for you to stop checking for bank fees. They they slip in a $20 monthly fee, and you're still not checking, since you have it in writing that you won't be charged. After a while, you get a notice that your account is overdrawn. In this last case, it turns out they have been charging me for nine months. Guess how much they will refund? Three of those months.

Their script goes that it's the customer's responsibility to check their statements for fees. My response is why do they expect customers to check for fees that, in writing, state will not be charged. I'd venture there are many, many people being ripped off. I've been shorted $120 that the bank is pocketing, and that is only what I know of. Chances are this has been going on for years without my catching it. The script issued to me on the phone by two different supervisors tips off the scam: Why would a bank, or any business, not correct their own errors that occurred more than 90 days earlier? Because they know they have a lot of people who actually believe they aren't being charged and they can run up the bills well past 90 days. What an unethical way to run a business.

Loss of $120. probably more; this is only for this year.

I called customer service for a nsf fee charged to my account. i checked my account on line on 10/14/08 at 10am, there was no nsf fee's deducted from my account, my husband went and deposited money in the account at 1235pm because we knew there was a check coming in. I checked the account again a 2pm and there was a nsf fee and they sent my check back to the comapny for non payment, there policy is to make deposits before 1pm, my husbands payroll check in automatically deposied every friday.

they said the check was presented friday for payment and they sent it back, anyway ... how are they allowed to do this ..his check is there every firday. This bank has me beside myself right now with all the fee's they are falsely charging us with

i had a check returned, i have a fee to pay because the check bounced, i had a nsf fee charged to my account and now i have a 14 day suspension so i cant write a check to the store

I had fraudulant activity on both my personal & Corp. account. I failed to report the information with the time period allowed on my personal account. I filed a claim for the Corp. account within less than two weeks of the fraudulant activities. Washing Mutual has strung me along saying they have ten working days to tell me if they are going to refund the money. Today is day ten, I went the bank again, they said I failed to report within ONE DAY! of the withdrawls.

The WaMu Business Account Disclosures ans Regulations booklet that WaMu provides says on page 14 that I have 30 days from my last statement to file. The rep on the phone said I only have one day so I need to take it up with the merchant. I aksed for mechant contact info. since I have NO IDEA who they are. She gave my two numbers, one is no longer in service & the other is satelite parts company called Merimac Industries. The company taking my money is Merimac Lease Coll... ? I have no idea who they are!! They managed to take money from my corporate account for a non profit outreach that I run in Sacramento. Without these funds, I will lose my lease. I have ran this outreach out of my pocket for the past several years, I just got my non profit status & now I'm looking at having to close my doors because the bank will refund the fraudulant charges!

The withdrawls amount to $2,655.96 from the Horses, Hope & Healing account not including any charges the bank is taking for overdraft fees. I run a non profit outreach (I privately fund) I will lose my lease if this is not resolved very soon!

I have a credit card with WAMU. The payment is 4 days late. When I was 2 days late they called me wanting to know where the payment was. I informed them I would be sending on shortly. I was then informed that due to it being delinquent (by 2 days at that point) the payment was double.

The very next day while I was gone they called and got my husband. He informed them that I was not home at the time. They then informed him that I was delinquent and wanted to know when I was going to make a payment. He asked them on what, as he had no idea I had a credit card with them as he is NOT on the account. They informed him that I have a credit card and that it was delinquent by 3 days. He advised them he would have me call. He then today 10/13/08, received a call when he got home from work again he advised I was not home from work yet and stated he was my husband.

So when I got home needless to say I got the 3rd degree for not telling him I had a credit card with them (WOOPS). I immediately called them and wanted a supervisor. I live in Ohio and they follow the fair debt collections act , Which clearly states they cannot release any information to a 3rd party without consent from the consumer (UH Hello husband didnt know I had the credit card why in the world would I give them consent to speak to him).

So I spoke with one rep who right off the bad said this is a collection call (again HELLO ONLY 4 DAYS DELIQUENT NOT 30 or 60 but 4 DAYS!!!), I asked her who all was on my account, she verified that my name is the only name on the account. I then proceeded to not so nicely ask why in the world did they release information to my husband who is not on the account. I was told that per the collection laws in my state (HA HA again they go by the Fair debt collections act) that they could speak to a spouse regardless if they are on the account or not. I asked for a supervisor, again same smoke was blown from her and then she transferred me to another supervisor , she was not very nice and she tried to blow the same smoke. Then asked me if I was going to send her a payment. I advised to her that I was going to contact an attorney and that she could harass him for my payment cause I am over it.

Not only are they violating the law by harassing me for being 4 days past due but they released information about my account to someone who is not even on my account.

They need to be held accountable for the stupid people the hire and dont train. It is no wonder that they are failing as a company. Their employees are stupid and obviously cant read and understand the law.

I have been with Washington Mutual for a long time but am not closing my accounts with them. Back in December 2007 - I noticed a fraudulent charge from my checking account. I had to go through the whole thing of calling wamu, filling out docs, requesting new debit card,etc. Fine. All was good. Wamu gave me back the money from the fraudulent charge.

It happened yet again in August of 2008 (what kind of security measures is Wamu taking??). Submitted all the info I needed to. Got a credit but never heard anything else. The credit is only 'temporary' while they do their investigation. So I've been waiting to hear. Never did.

Today - what?? More fraudulent charges!! Yes, more. I'm convinced that their security for their customers money is not that great. this is ridiculous. I called and spoke with some manager that didn't seem to have a clue about why I am upset. Maybe he doesn't mind constantly having his hard earned money taken fro his bank account time after time. Maybe he wouldn't be mad at the bank he banks with if this kept happening to him. Well I do mind! And forget about calling the claims department to ask for help. You won't get it. They can barely give you any info on the fraudulent transactions. As I told the manager, I found out way more about the fraudulent charges just by googling than the claims department was able to find out. What a joke.

So now here I sit. Yet another cancelled debit card and no way to get some money unless I walk into a branch. The branches, by the way are closed today so I really really hope I can make it home on the gas I have in my car right now. I was going to use my debit card to fill up my tank before going home from work today but since I have no access to MY money because Washington Mutual can't seem to protect it AT ALL... I guess I won't be getting any gas. This is just horrible. Three times this happens and wamu can't tell me anything!!! I asked the manager, 'so basically, I have to sit on the phone with you guys once again for at least 30 minutes to report the claim and then jsut wait for it to happen all over again huh? His answer was sorry, but basically yes. Nice customer service wamu!! Real nice.

POSSIBLE FRAUD...POSSIBLE CRIME THEFT BY WIRE...UNAUTHORIZED PAYMENTS INITIATED BY WAMU. We had a WAMU credit card for about 2 years, paid on time, paying much more than the amount due each month. Regardless, our interest rate had been raised over time to in excess of 30%. That was bad enough, but what happened last Wed takes all. I made a regular payment for $400 on the last week of Sept. It was made electronically via computer, as I make every payment.

On Oct 10, our local bank called to say my account has been frozen. Why? BC I am more than $2000 overdrawn due to a $2300 electronic payment to WAMU made Oct 08. Outraged, I called their so-called off shore customer service dept, and was told that someone "MADE THIS PAYMENT OVER THE PHONE ON THIS ACCOUNT LAST WEDNESDAY" and authorized the payment. I pointed out that 1) I do not make payments over the phone..I use the computer and 2) how idiotic and pointless it would have been to pay them over two grand when I only had 180.00 left in checking for the week and 3) the $400 payment I made the previous week meant my account was totally up to date.

We had no major purchases to make, were scrimping until payday, and I had just made a very sufficient payment of 400. the week before. Needless to say, all this was taking place as the company was crashing, and they did NOT offer to reverse the payment. The WAMU account is now sitting with a balance near zero, and I am in the hot seat at my regular bank for the overdraft. This is criminal. Has this happened to anyone else? I read similar stories on other boards and am wondering how many more similar victims are out there. My bank in investigating, and I have shut down the WAMU account.

I was affected by the hurricane in Texas and had no power. I made an attempt to pay my bill online from my cell phone since the phone line and elecricity was was out. I mad the payment and selected it for the minimum amount to be effective for 10/09 and when I went the atm machine at Washinton Mutual which is where I bank and noticed that my account was 1,800 and some odd dollars short and I contacted Wamu to dispute the unauthorized charge because I made the minimum payment and I also contacted capital one to dispute the charge.

They said that they would investigate and they noticed that is huge amount is not a pattern that I have and the good this is my card is paid off and I can take a cash advance at 19% I told them that I want my money back in my account they told me that it would be 5-7 business day but could take up to one month. This all comes at a horrible time for me because of everything that we lost from the storm and I was making my payments not being late or asking for help and they have all my money.

I am not getting any assistance with Washington Mutual to get my money back. I think they did something to the system to make the selection moved to full payment so that I would have to take a cash advance at a higher interest rate.

My account is depleted and I am jeapordy of loosing my car because I may not be able to make the payment . My other bills is falling behind. My bank has failed. Not to mention other payments are going to be returned causing fees and I have never been overdrawn in my account. I NEED SOME HELP

UNAUTHORIZED PAYMENTS INITIATED BY WAMU...We had a WAMU credit card for about 2 years, paid on time, paying much more than the amount due each month. Regardless, our interest rate had been raised over time to in excess of 30%. That was bad enough, but what happened last Wed takes all. I made a regular payment for $400 on the last week of Sept. It was made electronically via computer, as I make every payment. On Oct 10, our bank called to say my account has been frozen. Why? BC I am more than $2,000 overdrawn due to a $2,300 electronic payment to WAMU made Oct 08.

Outraged, I called their so-called off shore customer service dept, and was told that someone MADE THIS PAYMENT OVER THE PHONE ON THIS ACCOUNT LAST WEDNESDAY and authorized the payment. I pointed out that 1) I do not make payments over the phone..I use the computer and 2) how idiotic and pointless it would have been to pay them over two grand when I only had 180.00 left in my bank and 3) my account was current with a payment made the previous week. We had no major purchases to be made, were scrimping until payday, and I had just made a very sufficient payment of 400. to WAMU just the week before.

Needless to say, all this was taking place as the company was crashing, and they did NOT offer to reverse the payment. The WAMU account is now sitting with a balance near zero, and I am in the hot seat at my regular bank for the overdraft. This is criminal. Has this happened to anyone else? My bank in investigating, and I have shut down the WAMU account. THIS IS A CRIMINAL ACT !

I am overdrawn at my bank, and face loss of the over 2,000 (plus overdraft charges) from funds being illegally withdrawn from my bank account by WAMU or an entity of WAMU. This is theft by wire.

To get right to the point, I have several reasons why I can not make my monthly minimum payment this month to my Washington Mutual credit card bill. I have made them aware of my current situation but their collections dept calls me every day to find out if I am going to make my payment and pressure me to schedule an automatic withdrawal from my checking account. Its like they have no visibility of the call they just made to me the day before. I mean, how many times can you tell them the same story are they just out to make me feel worse for not being able to make a simple $12 payment? Its bad enough I just lost my job, why do they have the right to beat me up over it?

Its crazy - they get a 700 Billion dollar bail out and then grind me over 12 bucks. They call every day! Even three times today before noon. To me, its harassment

~Alan

Every day / every time I speak with them I become more and more outraged. I can not believe they are not listening to me or understand my story. I am currently at the mercy of the unemployment office and how they distribute checks.

After hanging up the phone I just shake for awhile. I do not like all of their attempts to have me commit to a date to pay and/or set up an automatic withdrawal from my checking account.

Later, if the phone rings again, I get an overwhelming felling its them again and worry they will have no idea I was just called and just told that person my story. Its been happening all week and they call all the time (several calls a day).

Not to mention I have a new born through all of this... (4 month old).

Do they have the right to kick me while I am down? Doesnt seem fair that this is legal.

I was on a 1.8% introductory rate due to a balance transfer. When I set up the account through WAMU, the person who entered my bank account information must have typed in the numbers incorrectly. I made my payment online and it stated that my payment was accepted. I then received an e-mail stating that my payment was returned. I called the customer service department and asked them about it and I was told that my banking information was incorrect. I told them that they must have entered the information incorrectly. I have copies of these statements with the incorrect account number. It was not my fault and they raised my APR to the 21.67% rate. That is unfair and I was told that there was nothing that could be done to change it. I have been treated unfairly and I want it to be corrected.

The 21.67% APR is eating up most of my payment. I need this corrected.

I pay my bills online and when i looked at my acct it was withdrawn with excessive amount in which that should not be when the funds for my car note was not due to be drawn until 10-10-08 that is when I had it to be withdrawn, because that when my direct deposit wouldhave been entered. I spoke to a manager by the name of barb who informed me that I will pay two withdrawals and I stated to her that my acct was not to be drawn until the 10th of Oct.She stated that it show the 8th but she could not prove that to me, also she stated that the money was drawn in an emergency situation, she could not explain what that meant as well, because when I entered the money to be drawn from my acct, I had it where it can be drawn on the 10th with a four day grace after the 10th that would have been 4 business days, she went on to explain that the company is changeing and so on that has absolutely nothing to do with my acct.

I aslo made the an second purchase on the O ct 9th on the assumption that my money of $14.79 was still in the acct. This is why I could not understand why the bank chose to withdraw money that I had set on a certain day to withdraw. The Manager Barb was very unprofessional by saying in a cockey way both withdraws will come out of your acct no matter what i said.

I ask to speak to someone else and she stated and I quote We are not able to tranfer to another manager within the department , its against the company policy it is the code of conduct and company policy. I want to know as a customer who have been with this company for 3 yrs. and i can not speak to someone who can resolve my prombles that was created by the bank in the first place or do not dump the company problems on me about changes and money emergency. I have never had this to happen as long as I been paying my bills online.

I have to now pay two withdraws amounts that was not cause by the customer. When I double check the amount and date to withhdraw before I submit and I did not state emergency on this acct. either, if that's what Barb meant

I'm an unemployed disabled American citizen who was looking for other ways to make ends meet... WaMu allowed a charge to my credit card that was not to be charged until my 7 day free trial was due for a membership I signed up for by Doba. On the third day of the 7 day free trial I called to cancel the membership due to their deceptive advertising. Doba claimed the lowest wholesale prices which is entirely false and they charged my credit card on the second day into the trial. When I called Doba, they said that they cannot cancel the membership and they will not issue a refund.

So I filed a chargeback, sent in all the papers to WaMu, and now WaMu says they have no records of the papers I sent to them and it is now past the deadline and nothing can or will be done about the charge. I said fine, I will close my account and never look back.

Still out of $199.00 because of Doba unauthorized charge to my credit card and WaMu refusing to do anything about it.

A check payment to my ex-wife for child support and allimony was paid to her account twice. I saw this on my W.M. online statement. This was promptly reported to the bank on Friday the 3rd. I called every customer support line available with no results and even drove to my local branch and demanded my money be returned but only emptey promimes. I still do not have the money returned and no way to pay my house payment as of today. 10-6-2008

I have $68.00 to live on at the present time. W.M. admits to have accidently deposited the amount a second time but cannot correct the issue as of present. How can a bank take money from a customers account twice and not take imediate responibilty for that mistake. Please Help if you can? Thanks

A check payment was paid to account twice. I saw this on my W.M. online statement. This was promptly reported to the bank on Friday the 3rd. I called every customer support line available with no results and even drove to my local branch and demanded my money be returned but only emptey promimes. I still do not have the money returned and no way to pay my house payment as of today. 10-6-2008

I have $68.00 to live on at the present time. W.M. admits to have accidently deposited the amount a second time but cannot correct the issue as of present. How can a bank take money from a customers account twice and not take imediate responibilty for that mistake.

On October 6, 2008, I called the WaMu 800 number to speak to a representative about how to dispute a charge which appeared on my account as Debit without PIN from an organization in Denver Colorado whom I've never done business with in person or online. After fumbling through their menu system which gives no clear way to speak to a representative for disputing charges (I had to go to the department that handles lost or stolen cards just to get to a live person) and also doesn't offer a zero out ability to just speak to a live person to get to the right department, I finally reached a message that asked if I wanted to take part in a survey after my call was done...of course I selected this option to rate their phone system functionality as substandard.

Finally routed (after 15min and multiple attempts) to the disputed charge claims department (after being told I could have the direct number in case of being disconnected but then being told the number was not releasable) I spoke with Helene and proceeded to tell her that I wanted to dispute a charge on my account for the $50.00 in question.

While on the phone with her, the automated survey called me and left a voicemail thereby preventing me from engaging in their survey. In my conversation with Helene, I explained that I did not do business with this company and wanted to dispute the charge. She then told me that to dispute the charge a new card would have to be sent to me and the existing card would be cancelled. Since I have a business trip in the upcoming week, I asked her if I could postpone the claim until afterwards so that I had the card available for the trip, then then proceeded to tell me that because of my just telling her that I wanted to dispute the charge, she went ahead and cancelled the card because that's their policy. Without any pre-recorded message/warning, nor any verbal warning from her in advance, my card was just cancelled without my indicating I wished to do so. I was told that it was their policy when I indicated I had to dispute a charge with Bank of America several years ago and they did not cancel my card as a result of dispute resolution. This is an unacceptable business practice for banking entity to hold their clients and their client's money hostage in this manner without warning.

I will not have the debit card available for my business trip this week. I have to scramble to find a way to be able to get a rental card and hotel secured as a result of this denial of service.

I was promised by Providian Credit Cards that my interest rate would be 14.95 as long as I did'nt default (paid on time). When Washington Mutual bought out Providian they contacted me and said that my account would remain the same as with Providian (same terms and interest rate). This is the way my account remained for appox. two years, with WaMu upgrading my account with higher credit limits for always paying on time.

About 3 or 4 months ago suddenly my interest rate went up to 23.99 even though I had been paying on time. I contacted WaMu about the increase and they informed me that because I incured some negatives on my credit report they had decided to increase my rate even though I had been paying my payments to the on time. From what I understand this is refered to as universal default, when a credit company raises your rate based on something that doesn't even involve their company.

I feel that I lived up to my contract with WaMu and they shouldn't be able to raise my rate. The government needs to make it illeagal to raise rates when the consumer is not in default on EXISTING BALANCES.

I am on disability for a chronic debilitating disease and have to struggle to keep my payments on time to WaMu and this is the thank you I get. This has caused me a great finacial impact with this account, I wish I had the money to just pay them off but I don't. This is one of the reasons that americans just can't get out of debt once they have incured a debt with a credit card company.

I was under age they told me I couldn't have an account by myself so my brother had to put his name on the account also. my brother cash some type of fake check on there and became -$3001.10 I have called Wamu many times and let them know I wanted my name removed from the account way before but they told me I couldn't do that.

After I found out that transaction had been taking place which was done by my brother I called several times and let them know this have to be removed from my record simple fact that I was underage and it was not authorize by me. They sent me a letter and told me that everything was cleared from my name but when I tried to apply for credit cards I was denied. I requested a copy of my credit reports and they have that on my reports after I was informed that it was cleared.Iam very upset and feel very violated. I have the right to sue but I just want this to be clear from my credit report.

I was trying to get out of debt with Dave Ramsey program i was payingall my bills on time the credit cards on line before the due date alot more than the minimum and had the scheduled for2 or 3 months ahead online like so many others said the balance was not dropping any and i looked at my statement that comes in the mail and no wonder my intereest rate was raised to 23.99% for no reason and no notice they just raised it i never defaulted on anything

they do not care about customers.I am 64 a woman disabled with no health insurace my medicine is over $600 a month i have went without my medicine soi could pay them off and i mean they should have laws for letting this go on in America.

GOING WITHOUT MY MEDICINE AND THE STRESS AND THE LACK OF MONEY FOR THINGS THAT I NEED AND MUCH MORE.

Unemployed, I missed a payment in April 2007. I made things right in June 2007. They told me after six months I could get the interest rate lowered. I called January 2008 and negotiated a lower interest rate of 12.99%. WaMu used this rate for February 2008 only and THEN RAISED MY RATE TO 31.99%.

From march 2008 till August 2008 I made the outrageous minimum monthly due while trying to get WaMu to honoer the agreement made January 2008. They refused. In September 2008, I called them again, they refused again, and I told them I will not pay one more cent until the agreement APR 12.99% is reinstated.

I am now receiving 4 to 6 telephone callseach day from waMu, demanding payment. They lowered my credit limit to my balance so not only are they charging a Late Payment Charge, they are also charging an Over Limit charge.

Three questions: 1. Can I get a Restraining Order against WaMu to prevent the telephone harassment? 2. Since WaMu folded, am I responsible for this debt? 3. How do I get this explanation on my Credit Bureau?

I was offered a credit card from Washington Mutual with an interest rate of 12.99%. I have always paid on time and more than I needed to pay. I have never been over my limit. My credit has not changed since I opened the card. I just realized they bumped my interest rate to the max of 23.99%.

When I called to inquire they said they pull my credit report periodically and can change the rate according to that report. They admit I have been a good customer but my circumstances have changed externally. My other credit card companies have remained the same. This prompted me to investigate other complaints on line and see I am not the only person who has been victimized this way. Is there anything that can be done?

I have cut up this credit card and have made no purchases on this account. I have been more than the minimum each month. But my balance keeps going up and they tag on over the limit fees on top of the previous fees to where I'm constantly over the limit! So I purposely did not make my payment this month (THE VERY FIRST TIME I HAVE BEEN LATE) on time until they reversed At least August and Septemeber over the limit fees and this month late fee.

THe day after my payment due date I started getting phone calls from there collectors. I told them I will not pay this over the phone and I needed to talk to someone about the fees on my account. The person who called told me they could not reverse any payments while I am late and over my limit. THen I start getting 4 to 5 phone calls a day. I don't anser and they start calling from different numbers. Harrassing me! I had already told them I want to speak to someone about my account and said I had to pay current before anything could be done. Would not let me speak with anyone. THe person told me that called me that if I payed 7hundred and some odd dollars he could reverse my late fee.

Funny my statement for September was only 242.00 and tonight I got my new statement in the mail and Eddie on the phone tonight said that all was due was $528.00 to make me current. Where did this additional amount of money due from the first guy who started calling and harrassing persisting that I pay right then come up with $700. And he wanted it the DAY after my due date to pay this amount to cover October as well.

THis why I donot pay over the phone when they call me. Something is not right when you pay over the amount due each month, do not make any purchases or cash advances and still the balance increases because over the limit fees and etc.

I have been trying to close an on-line CD. I called the number on the web-site: (800) 788-7000 to ask if I could go to a WAMU branch office to close it. They told me this was fine. Thus, I went to a Washington Mutual branch, told them I am closing my on-line CD, and filled out the paper work. I was then told I could not close this account here, but had to do it via the 800 number. They branch employees were surprised about this as well and called the 800 number for me.

However, I was then told by the persons on the 800 number I could not close the on-line even via the 800 number. I was told I must write a formal notarized request and send that to Lake Worth, FL. The person listed the information that needed to be on the form and I asked if there was a downloadable form I could at least fill out. The answer was no. I must type it up, with all the data, have it notarized and send it. I asked them if I could fax it, they said no as they do not have a fax machine.

Although my CD just matured and it was well within the grace period, I was also told even after they receive my letter it may take time to process, which could extend beyond the 7 calendar day grace period. I asked is there any way to expedite this or avoid penalties. I was told the only way was to not to close my CD and keep my money in WAMU. This was all recorded. I rechecked to see if any of this is mentioned on WAMUs web-site or in the terms and conditions of the CD. I did not find anything even close. I even did a search on the word notarized, and there were no hits.

I now face 90 days of interest penalties, which a very significant number.

Washington Mutual appears to have assumed a CLOSED/PAID and discharged account from Providian from 1994-96 and has amended the dates of activity and altered the account number to make this 'appear' as a current account on my Equifax/Experian report. I have not had any Providian account in my name for over 12-15 years. I have never done business with WA/MU. If an account was used in my name in the 1996-2003-2005 time period as shown by WA/MU on my credit report, it is a case of fraud or identity theft.

Equifax, Experian and WA/MU refuse to clear this or provide any support for this. WA/MU via Equifax is contacting my current creditors and providing this false information. WaMu has bought an assumed the practices of Providian in charges, late fees etc. Only problem is that the Providian account I had was closed some 10-12 years ago and WaMu has altered the dates to make it appear as an account current in the last 4-5 years showing an incorrect payment record from 10-12 years ago. This is the only potential negitive on my record.

Other creditors are using this information to raise my rates.

Washington Mutual absolutely do not care about customer service, solving problems or honoring their so-called protection policy against online fraud, unauthorized transactions and zero liability on their MasterCard debit cards. They have allowed two unauthorized charges to go through on our checking account which did not have sufficient funds in it, (due to us removing our money and deposits because of the recent insecurity about the bank) and consequently charged us $34 for each transaction as an overdrawn fee, when we do not even have an overdraft facility with them. They claim we have a $1000 overdraft, however, we do not. We never authorized such a thing, we do not have that line of credit with them.

One charge was a mastercard (debit card) charged twice against our account for services from Experian that we cancelled 2 months ago and they won't let me dispute/chargeback this in secure online WRITTEN communications with them through their own site. They insist I have to call a number, where I'll have no record of what transpired, (why does this bother me, because I've done this dance with WAMU before on the phone and it cost me $80 in a chargeback not granted because they said, get this, that they didn't receive the documentation...that I sent 3 times).

The second is a car payment, again stopped in writing with Wachovia, over 2 months ago, therefore unauthorized, but still allowed to go through our account that has no money in it, again with a $34 fee charged to us. THIS they say they can chargeback to Wachovia, along with a claim to them of the $34 fee. All Wachovia are going to do is refuse, then charge ME another $30 for a bounced payment, that they had no right to make. All WAMU had to do was reverse the payment, reverse the $34 fee as a customer courtesy and let me then deal with Wachovia. I repeat, we do NOT have an overdraft facility with WAMU and if we DID it would surely not cost me $34 each time for back-up funds. It doesn't at my other bank where we have an actual overdraft line of credit.

This has caused, by now, several hundred dollars in fees to WAMU & Wachovia, a huge amount of time & stress and it seems no end in sight. This is the worst bank I have ever dealt with and the CSR's have no interest or idea how to solve a problem, exercise any customer courtesy, reversals of fees, nor do they care to. No wonder the bank is in trouble.

I received a Washington Mutual Credit card in July and have made 3 online payments in August and September. Each time, my payments are more than $500 (one was 500, another 782, another 1000). Each time, my checking account is debited the day after I request the payment to post. My credit card balance reflects the payment. The MAJOR problem is that Washington Mutual does not give me access to the available credit for 5-10 business days! Their customer service team tells me that they freeze the account to verify the finds transfer with my bank. I have even printed copies of my bank statements as proof that funds have been transfered from my bank to them, yet it is not considered acceptable proof to their finance department.

When I call the customer service team, I am often transfered several times, given conflicting information, and disconnected when I ask to speak to someone of higher authority. As a result, I have had money debited from my checking account as payment on my credit card balance without having access to my available credit for at least 5 business days which turns out to be over 7 total days with the weekends included. In summary, they've got my money but won't let me use it!

I evacuated to Austin because of the Hurricane because I did not have any lights or internet. When I got to the hotel in Austin I logged in at about 10:30pm to check my balances and discovered some purchases were pending and were going to post on the night of Sep 17, 2008 and cause an overdraft. I immediately transfered money over to cover the charges and put extra money into the account. This was a transfer from one WAMU checking account to another one of WAMU checking accounts. Received the confirmation that the money was transferred as usual and logged out. (didn't keep the confirmation)

On Sep 19, 2008, I logged back in only to find that they did not post my internal transfer until Sep 18, 2008 which caused 3 overdrafts. I promptly called and kept getting different answers everytime I cornered them on a comment.

Because of the overdrafts, now my transfer has done nothing to the account and a new bill pay has posted and caused another overdraft. I called back on (9/23/2008); Told them that I wanted to specifically request a refund on the overdraft fees that should not have posted to the account because as before I logged in and transfered money over to cover my pending transactions. This time I brought up that I evacuated to Austin because of the Hurricane and was automatically told that they could wave the fees on 9/18/2008 because of the Hurricane. When I asked about the 4th overdraft fee caused by the first 3 overdraft fees, then (Sicily) placed me on hold and stated that the original Supervisor (Cindy) had declined to wave the fees. Sicily politely transferred me to her Supervisor (Dianne). After several holds, Dianne waved all 4 fees.

So charges have been waved, but I am still complaining that ironically during the Hurricane and during WAMUs rumors, this issue of this 9:00pm transfer cut off time has become an issue where it has not been an issue in the past. I'm accusing WAMU of purposely manipulating system times, forcing systems to apply cut off times without proper notification, giving a false sense of security when it comes to transfers, and purposely trying to find ways to cause customers overdraft fees. I'm telling you something is fishy and where they may be able to legally dispute some of this (only if you log on and do print outs of there rules everyday), but their intentions and acts are deceptive. I really think there could be a class action lawsuit because they are attempting to squeeze money out of the customers.

Originally, 4 overdraft fees of $35. They were credited back after my 2nd call and telling them that I was filing the complaint and stated names of who I spoke to originally. I still feel that there is something dirty going on and that WAMU is trying to gain money by taking advantage of the false sense of security that they have given the customers prior to WAMU's financial issues.

On aprox 8/24/2008, called and cancelled account. I was told the account was in fact closed. The following week, an auto-pmt processed from Wamu to my Credit Union that caused a $64 + $39 OD cost. I called WAMU and they said I needed my wife to confirm closing acct. We did that day, but that was not stated as a requirement the previous week.

Now, after closing said acct, WAMU has bumped my interet rate to 30% (usary!) and after a recent $250 pmt on a $2,010 balance - I'm still over the limit because they take so long to process pmts and applied my payment against high new interest rate and more OL fees first then applied bal to principal. What a rip-off. I'm not going to pay the 30%, the rate used to be 0% to start. This company is broke and it's business practices are illegal! I will sue them.

I am really frustrated right now with this ordeal. My WaMu credit card account is seriously over the limit. In May of this year, I took a trip to Tennessee. I placed an online payment to WaMu before going. This would have covered my expense to the hotel expense. I received no letter any contact from WaMu for 2 Months after going on my trip. I get a letter stating that my payment was not excepted because a problem with my account not having enough funds to cover the transfer. I have record of my bank statement that shows plenty of funds to cover what they say was not there.

I then get a bill with the charges I made to the credit card I PLUS over the limit charges and a late fee. They are calling now to get some payment arrangements. I have demanded my account be closed but, they are denying me that. I admit, I am to blaim for being so behind now on my account. Being denied closing my acount and the fact I was never notified to begin with of the money not being credited to the WaMu acount.

Over the limit charges, late fees, and intrest charges that I can not pay.

In 2007, I open 8 Months Certificate of Deposit with Washington Mutual bank. I requested not to auto renew the CD after is matured. I went to the rego park Washington Mutual bank on the Sep 23, 2008 and Sep 26 and told the bank teller Assistant Vice president and Simon the Financial Center agent that I don't want to renew the CD and I would like to get the cash it out. They were not able to pull out my final account balance from the WuMa computer system so they ask me to come back another day. After the Labor day, long weekend I return to the Washington Mutual bank in rego Park on Sep 6,2008 and find out my CD was renewed with a new account # with 8 months 1.5% APY rate and they have a another CD rate for 8 months 4.25% APY

The Washington Mutual bank did not notify me and I did not authorized the renew of CD. Because I did not get any legal document or call from the bank, I ask Ogbonna to show me all my bank record and see is a new sign contract. Ogbonna, Assistant Vice president Financial Center Manger refused to show me because he is too busy and can't find it. I ask him that I would like to speak to the higher bank manger and he denided my right to do so.

Because of dishonesty of bank worker, I decided to get my money out and then he decided to charge me with 30 day early withdrawal Penalties for amount of $400. The Washington Mutual Bank also withhold my transfer money for 14 days Lost of $400 plus daily intrest on bank withhold my transfer money for 14 days

WaMu has bought an assumed the practices of Providian in charges, late fees etc. Only proble is that the Providian account I had was closed some 10-12 years ago and WaMu has altered the dates to make it appear as an account current in the last 4-5 years showing an incorrect payment record from 12-12 years ago.

Equifax/Experian refuse to clear this off my record or even chalenge it to WaMu. This is the only potentian negitive on my record. Current accounts are raising my rates using this information. I wish I could have gotten in on the CAS!

This has been absolutely the worst banking experience I have ever had. To close my account has taken weeks of phonecalls, wait times, and rude or clueless employees. They apparently can't close your CC account. A sketchy toll free number is used for that. I've been waiting to close ALL of my accounts for a moment when i'm not too busy.

They've rearranged deposit times and amounts on my receipts for two years now, adjusting in favor of fees. I'm really disgusted by my treatment and I will never recommend or bank with WAMU ever again. I have personally lost $1000 in bogus NSF fees. Many of my friends have had the exact same experience,

filed a debit card claim with said bank regarding an error made on it by a merchant who was unable to correct the mistake 07/31/2008. The merchant advised me to contact my bank WaMu and have them correct the mistake. I did so an was reimburse the money taken in error on 08/05/2008.

On 09/19/2008, because of work incompetence the correction was reversed and money was taken back from my checking account severelly missing up my bank account.

shortage of funds, making bills unpayable on that date.

In the middle of July my husband and I started refinancing our home. We took out a 15 year mtg and with the cost of living going up we figured fix up a few things and extend it to a longer term. Later I could pay more to the pricipal. Anyhow. I paid the $350. for the appraisal and they didn't like the way that it was written so they extended our lock in of the interest rate.

Now September 19th and no call--after I have called them numerous times and they said I would have to pay to lock in longer for the interest rate. They said there would be something done by 9/19/2008. They haven't done anything nor called me, nor contacted me, nor sent me my appraisal. NOTHING. After seeing what occurred with other mortgages through them, I am afraid to see if they did anything to my existing mortgage. I will call them again on Monday, September 22, 2008. I am sure that I will have no answer about anything.

I paid $350.00 for the appraisal for refinancing. I paid for affidavit for the power of attorney for closing online. I had to borrow money which I didn't plan on because I started building my deck and had to pay for it. Uusually a refi is two weeks to a month. This is now more than two months. I hope they didn't do anything to my existing mortgage. I'd rather just lose the $350. Than everything.

Over the past few months I have experienced a sharp decline in customer service when calling the toll free #. I decided to go to a branch to talk to someone face to face to resolve various issues, but they tell me that I have to call the number. My 1st issue through 12/07: I was being charged a $20 service charge fee because I was told my Platinum Checking account and my savings account were not LINKED. I went into the branch and they said that they were. I did this a few times with no success and I was told that I could not be reimbursed so I closed the platinum account and moved several thousands of dollars to my credit union.

Next issue is I had a PAYROLL check deposited on 9/5/08 that had a hold until 9/12/08, which had a domino effect on my wife and I's account. I have been with this institution for over 12 years starting with Home Savings in Los Angeles, CA. I would like the penalty for the ACCOUNTS NOT LINKED and the overdrafts due to the unexplainable HOLD ON A PAYROLL deposit reversed or I will consider not only not making large deposits any more, but closing all accounts.

Hundreds of dollars in overdraft fees.

I went into this WAMU branch to wire transfer my fund to my new bank. A Sr. Financial Representative told me that Cashier Check deposit would be quicker to receive money than the wire tranfer, but after depositing my new fund using Cashier Check, I was told it will take 10 days to clear the check. WAMU was trying to hold my money longer by issuing cashier check instead of wire transfer

Time and money

My husband and I have been Washington Mutual customers for over 7 years and until this last year I've had very little complaints about this bank. I do however have an enormous complaint. Washington Mutual deliberately places an automatic hold on every single deposit that we make inside of a branch. These checks that we deposit are the only checks that we deposit (weekly). I believe it's another way for them to collect more fees from us. I've spoken to management about this issue and received no sufficient answer. I've called on numerous occasions to try and have some of the fees refunded and they are so rude and unhelpful. Placing a hold on funds when they know there are pending charges is absolutely ridiculous.

I was told to alleviate this problem (by a nice teller) to open a new free checking account. I immediately did so, but the problem hasn't stopped. This account has never been overdrawn and when I tried to make a deposit this past Friday the 12th I was informed that there would be an automatic hold placed on this check. Which, I can rightly understand that it's at the bank discretion to place hold on certain funds until clearance has been issued. But, when the check clears any NSF should be refunded as a result of the hold.

My advice to anyone opening a free checking account with wamu is to always have a more reliable bank account such as one with a credit union or local bank. I also check my account regularly and even though I've requested to have an immediate alert to any negative balances reflected on my account I never receive any. I'm currently in the process of going to a different bank.

My account with this bank is impossible to keep current. I've suffered a loss of hundreds of dollars.

I just wanted to state that my husband and I have been Washington Mutual customers for over 7 years and until this last year I've had very little complaints about this bank. I have no problem paying overdraft fees because I feel like we're being kinda reckless in our spending and we simply have to cover all of our transactions; it's our responsibility. I do however have an enormous complaint. Washington Mutual deliberately places an automatic hold on every single deposit that we make inside of a branch. These checks that we deposit are the only checks that we deposit (weekly). I believe it's another way for them to collect more fees from us.

I've spoken to management about this issue and received no sufficient answer. I've called on numerous occasions to try and have some of the fees refunded and they are so rude and unhelpful. Placing a hold on funds when they know there are pending charges is absolutely ridiculous. I was told to alleviate this problem (by a nice teller) to open a new free checking account. I immediately did so, but the problem hasn't stopped. This account has never been overdrawn and when I tried to make a deposit this past Friday the 12th I was informed that there would be an automatic hold placed on this check. Which, I can rightly understand that it's at the bank discretion to place hold on certain funds until clearance has been issued. But, when the check clears any NSF should be refunded as a result of the hold.

My advice to anyone opening a free checking account with wamu is to always have a more reliable bank account such as one with a credit union or local bank. I also check my account regularly and even though I've requested to have an immediate alert to any negative balances reflected on my account I never receive any. I'm currently in the process of going to a different bank. My account with this bank is impossible to keep current. I've suffered a loss of hundreds of dollars.