Chase Bank Reviews

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Updated Jul. 03, 2026

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Chase (NMLS #399798), the U.S. consumer and commercial banking business of JPMorgan Chase & Co., offers home purchase and refinancing loans, in addition to its other financial services. The company provides home loans in every state and Washington, D.C., and its services are available online, through its mobile app, by phone and in person at more than 5,000 branches.

Chase Bank Reviews

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Page 24 Reviews 4245 - 4445

JenniferPrineville, OR

Reviewed April 2, 2009

I also have been going through the loss mitigation department since November. They told me it was worked out in December and let me know that making a payment in January would mess up the process. Now, it is April and I am 4 months behind. I have good news though. I just received my docs and I am happy with my new payment. I have some questions about my escrow but I cannot get a hold of anyone with information. They now want me to sign and send it away but I just wish I could get some answers. This has been a very scary process and I have some tips for any of you. Write down everything!

Every time I call, and I call at least once a week, I write down the name of the person who helped me, the questions they ask, the information they give, etc. Then the next time I call and Joe tells me something new, I let him know that last week, Sally told me this. It seems to make them nervous and anytime I did that, I got a serious reply. Also, twice I went to my local bank and had them call and write me a letter stating what happened. Hopefully, I am in the last step and all will be okay. I love my home and just called to see what they could do to help and suddenly my credit is destroyed (not if I sign) and I owe tons of money (not if I sign). I'm kind of backed up against a wall. By the way, my contribution amount is only $600. I saw some guy that needs $3,000. Well, good luck to me and good luck to all of you.

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NelsonWoodland Hills, CA

Reviewed April 2, 2009

The website for Chase/WaMu was down for over a week, while Washington Mutual (WaMu) Bank was changing over to Chase Manhattan. I was going to make my credit card payment electronically but couldn't. Instead, I mailed my payment from the post office late Thursday night. Chase claimed they did not receive my payment until Wednesday the next week. Since it was one day late, I was hit with a late fee. After calling customer service and getting nowhere with the service rep, the manager finally credited me with the late fee.

Then I noticed that my interest rate had gone up. They had retroactively (to the start of the previous billing cycle) raised my interest rate from 1.87% to 18.24%. I called customer service again. I got nowhere with the service rep. The manager was not even listening to what I was telling her. She said that it was my fault since (she claimed) they had sent out notices and emails that the website would be down (I was not aware until the site went down). Also, since they offered other options: a phone transfer with a fee, and going to a bank to pay the bill, she claimed it was my fault. It’s too bad if it costs more or if it was inconvenient. I explained to her it was unreasonable to raise my interest rate over 16% just for being one day late considering their website was down.

In addition, the mail should have gotten from CA to IL in less than 5 days, especially when sent from a major post office. She said that it was in the terms and conditions, and there was nothing that she could do. I told her to consider the intent of the rule (not just the literal interpretation), that I was not suddenly a great credit risk for being a day late considering the circumstances. She said that they had rules and regulations, and there was nothing that she could do. I said she had the authority to lower my interest rates. She denied that she did. I asked her who did. She replied, “Nobody, they had rules and regulations that we have to follow.” I said that she had to be wrong; her boss certainly had to have the authority. She asked me if I wanted to talk to her boss. I said sure. She put me on hold and then hung up (and hung me up too). Consequences: over $200 extra in interest for the previous month. And for every month including this month, an additional $200 (or an additional 16%-17% of the balance) until the account is paid off.

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BradBradenton, FL

Reviewed April 1, 2009

I just found out that my mortgage company foreclosed on my property and I found out due to a money-hungry lawyer looking at clerk of courts documents. I was never notified by WaMu. When I called, they said they had tried to reach me on my four contact phone numbers. Not one of them was mine. Now they say I owe them $4,000 and my payment I have sent will be returned because they will no longer take any payment unless it is in full. I must pay a reinstatement fee to their lawyers over and beyond. When I asked how they came up with the number $4,000, they said I had not made a payment since November 2008. Wrong! I then said I have a statement from January.

I was passed to 3 different people who said they had my info and would help. The help was to try and pay the full amount that I don't owe and I needed to contact their lawyers to get the amount. I owe them to be squared away with them. If I can't pay in full, I was told their new president has new plans to help (if I qualify). Not. My neighbor has not paid his mortgage since August 2008 and still no foreclosure. Why? He owes more than the property. While me, they can make a killing on my home. I have too much equity - free money to WaMu.

Side note: I have called their law firm 6 times, all different hours. All voicemails and no return calls. This from a firm that says they are serious about FL foreclosures. Yeah, they're serious about selling people's homes. Their website is all greed. To all WaMu customers, I am sorry and good luck. I served this country. I fought for this country. Now I wish I didn't live in this place because it is no longer a great country to me! When you want to screw your own, that is sad. But be careful, some screw back.

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JoseEaston, PA

Reviewed April 1, 2009

I have spoken to several managers about this, that they are always charging insufficient funds fee because what they do is place the biggest amount first, then they place the small amounts. This week, I was charged $175 insufficient funds fee and last week, on 2/24, $105 then on 3/16, $105 again. I could go on. If you check my records, you would see that they always do the same thing, put the big amount and then place the smaller even if the big amount was done last.

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ShashiMountain House, CA

Reviewed March 31, 2009

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 Meredith. 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 Park, who immediately disconnected the phone as I gave her my ticket number. Subsequently, I managed to get her manager Reba smith (209-460-2412), 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 Grant 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 Travellian 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. My questions: 1) Why did WAMU/Chase renew my CD after getting my cancellation request, and giving me a confirmation number? 2) Why did WAMU/Chase not send me my "large amount" CD via some mail they could track instead of being el-cheapo and sending it through some postal blackhole? Apparently, they've contracted it through Citi and have no clue if the check even got posted. 3) What if somebody else forges my name, and gets the check deposited? How do I recover my money back 4) Why should I lose out on interest, investment opportunity for a large sum, because of WAMU's cluelessness? 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

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MarkRunning Springs, CA

Reviewed March 30, 2009

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

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AliceBrunswick, ME

Reviewed March 30, 2009

I applied for an assistant program for 12 months, which was granted but my account was closed by them. The interest rate went down during the 12 months but after that it went up to 28.49 %. I paid on time for the whole 12 months and have paid on time for the last year. I called and asked them for help again and they denied the help because according to them I have too much disposable income. My bills per month are 1700.00 in just credit cards and I have two car loans that are 510.00 between them. I only make 2400.00 dollars a month. I asked them to at least lower the interest rate and they told me that since the account is closed they cannot adjust the interest rate. So out of 260 dollars a month in payment to them 185 dollars goes to interest. They told me that my monthly bills for credit cards are only 1500. a month and that I make 3200. a month. I don't know how they came up with this number because I don't make that much. I work two jobs and one pays me 1900 a month and the other pays me between 400 and 450 a month. I have asked them for assistance several times and they say the same thing. They can't lower my interest rate (even though I have paid on time for over two years) and they can't put me on an assistance program because I have too much disposable income. I fall behind nearly 400.00 a month and have now exhausted my savings accounts.

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DonnaMashpee, MA

Reviewed March 30, 2009

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.

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ShirleyPhiladelphia, PA

Reviewed March 27, 2009

I opened a Home Equity Line of Credit years ago for the amount of $50,000. I have been paying this account for years, and they still claim that my balance is $45,274.41. I have paid them thousands of dollars, and I have receipts, but they have only given me credit for $4,725.59!!! For all these years. I stopped making purchases with the account years ago also, so there are no additional purchases that would give me a this balance.

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MelindaCanby, OR

Reviewed March 27, 2009

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.

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SallyMount Morris, MI

Reviewed March 27, 2009

I was layed off 08-08-2008. With the loss of over half of my pay I just keep going behind in my bill. I called wamu/chase starting in jan and i'm still fighting with them for help.thay ask me to send information 4 times now, sometimes the samething.Thay tell me everytime thats all thay need,and then want more.I'm givin 10 days to get everything to them each time or thay will drop /close my case and i'll have to start over. thay take forever and I think thay do this in hopes that people will get tired and give up. well i'm not asking for help for no good reson,I need help and need it now.I have never been late in 11 years or defaulted on a payment and this is how thay help me out. now i know why there is so many foreclosure, wouldn't you think helping me out a little would be better then me giving them the house back and them losing a lot of money?? I'v also been told if i havent missed a payment thay can't help,that i just don't understand. why not help befor its to late. I have read other people storyes and it seem that there are alot of me's out there that wamu/chase don't want to help.

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DuaneGroton, MA

Reviewed March 26, 2009

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!!!!!

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DMount Prospect, IL

Reviewed March 25, 2009

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.

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ReginaCarmel, CA

Reviewed March 24, 2009

I began by trying to work with the local mortgage department in Carmel CA when my exhusband divorced me and took my cash and equity. I just needed a little loan modification until I could get back on my feet. I dealt with Carolyn Daniels in the local office. She strung me along until I asked for the new JP Morgan Chase program that was to help home owners modify their mortgage. I faxed documents to WAMU Dec 9 2008 for a loan modification. I re-faxed the same info, per Shelly's request at WAMU on March 14th, and on March 14th in the evening I refaxed updated docs per Greg's request. I have asked for Doreen Martin to call me about my status, she is the reviewer. I am trying to avoid default by being on the offense verses defense. I have no other debt but my home loan and equity loan. I have excellent credit. All I want is to have a dialog with the reviewer, if they can't help me they should just tell me so I can make other arrangements. I am being forced to go into default when this could have been avoided.

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ShawnaFort Lupton, CO

Reviewed March 23, 2009

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, surprise, the idiots make so many mistakes that they obviously can not handle getting direct calls. What a bunch of incompetent idiots. They should just write off the loan instead of paying the idiots working in the bankruptcy department.

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BarbaraSan Antonio, Tx., TX

Reviewed March 23, 2009

I have used Chase Bank for approx. 17 years although it was first, Northside Bank and then Bank One.

I have two visitation/therapy dogs that are highly trained and go with me everywhere that has no food or clothing. After 8 years of going in the bank and being welcomed by Chase staff and customers, I was suddenly told, No dogs allowed. I realize this man may have been afraid of dogs, and he was certainly ignorant, as he told me to tie the dogs out front which is againt the law and opens them to theft and injury. He also said they would go to the bathroom inside. I explained about therapy dogs and that they are as highly trained as service dogs, but they do a different job. They do go to the bathroom before entering a facility and they never bark outside their own yard. We do go to all our banks and the other banks all welcome the dogs. These are 22 lb. shaggy terriers. Not large dogs. I am going to notify the local animal groups such as AAPAW of what happened. Many, and there are many, of the animal workers will not go to a store, etc. if it is not dog friendly. I have encouraged them to go to Chase now I will discourage them. I told him I would have them wear the Therapy Dogs Inc. jacket to the bank. He said, no. TDI is a national organization based in WY and is on the internet.

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CynthiaBrandenburg, KY

Reviewed March 23, 2009

Chase (who took over my account from WuMu) took at $95.90 payment out of my bank with out approval from myself or my husband, causing Insfunds and bounced checks. What can I do?

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KiffHouston, TX

Reviewed March 23, 2009

The Wamu to Chase conversion has been a horrible experience. I called customer service and they were rude and not helpful. I had a automatic payment with Wamu and Chase did not honor it and I received a 39 dollar late fee. They increased my APR and added a bunch of fees associated with this card. They are unwilling to make any credits and only offer us to payoff the card.

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KanzaydiaBayshore, NY

Reviewed March 22, 2009

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

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AngelaYpsilanti, MI

Reviewed March 21, 2009

I had a loan modification right through my mortgage company last Sept, Washington Mutual (WAMU). I hadn't missed or been late with payments, but I was looking at falling behind because I was spending thousands in medical care for a newly diagnosed incurable chronic illness. I thought the modification was the answer to my prayers. I paid my payments every month, and received a letter at the end of January saying I was several payments behind. Shortly after my modification WAMU was bought by CHASE. I called WAMU, who is still handling the loan, and figured it was a simple error. They hadn't credited one payment to my account. It is now March, I have not missed or been 30 days with a payment since I've owned the home for 11.5 years, but apparently my house is now going to foreclosure, because they are still not crediting my payments. I have continued to make the payments, have called WAMU repeatedly, & no one will straighten this out. I have the documentation for the modification, monthly statements, payments deducted from my bank account, yet my house is going to be taken? I can't afford an attorney to battle this, so I sent copies of all my documentation to 3 local news stations & ABC World News praying someone will pick up this story. I have received one back with a couple of phone numbers, and have yet to hear from the other 3. I am too sick, too tired, and too broke to fight. If one of these news stations don't pick this up, I have no idea what to do, other than continue my payments, and attend the foreclosure hearing, if I even know about it. Present all of my documentation to the judge and hope for the best. I have filed a complaint with the BBB, but I am sure they have a lot of complaints, & are probably not answering them because they have a D rating. I happen to be in a mortgage nightmare through no fault of my own, and can't seem to get out of it. Stress is no good for my health condition, and I am nearing the point of walking away to save myself rather than my home

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CarolynPoway, CA

Reviewed March 21, 2009

WA MU has foreclosed on our property 2 times when we were in negoations with their loss medigation department. I have been working with them for 12 months to get a modification agreement on 2 residences, something that should have taken 30 to 60 days at the most. One was completed finally in Oct. 2008, the other one they kept coming back with denial and asking again for update financial information. I have provided this to them 3 times along with a hardship letter, of which I really don't think anyone reads or cares about. I was laid off work in 2006, my husband has had 4 strokes and is on diability and unable to work. I finally started working in July 2007 full time and then in Nov. 2007, had to go part time as I work in a business that is related to the real estate market. In Jan. 2008 we started delivering newspapers to make extra $$ and did that for about 6 months until I was hired back full time. In Sept. 2008, they forclosed on the house we live in when we were in negotiations with their loss medigation department. The foreclosure was recinded in Oct. 2008 and then we continued with the loss medigation department. Thank goodness we had hired an attorney to work with us, as WA MU is ruthless to work with on your own. We were offered a modification in Feb. 2009 for this property, with a very high (downpayment) whatever that means in thier mind. We were offered this at 3pm PST and had to give them an answer by 5pm EST. Well we all know that is not possible considering the time difference. We notified them that we would not take the modification and were informed as well as my attorney that we could reapply in 30 days for another modification. This was also when the great Obama stimulas plan had just come out and we wanted to see what difference that would have on the situation. Well it didn't have any! So I called WA MU on March 19, 2009 to ask for a new modification package to get this rolling again, and was politely told that the property was sold back to the lender on March 2, 2009 and there was nothing we could do!

Once again, with in the WA MU structure, the right hand does not know what the left hand is doing. My husband and I are not of the group that bought over our heads, this property was inherited and do to circumstances beyond our control, we have ended up where we are. We are both in our 60's, have worked hard all our lives to be homeowners, and should not be facing this type of financial disaster that we have in front of us.

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HectorHialeah, FL

Reviewed March 20, 2009

Washington Mutual keeps calling my mother about a mortgage in my brother's name (HENRY MARTINEZ), they want to speak to him, they want to know who will pay the mortgage. He has been dead since July 25, 2005. He did not own a home and lived in an apartment. I can only assume that they are looking for some other HENRY MARTINEZ. My mother only speaks Spanish and I keep telling her to have them call me but she gets nervous because someone is calling ALL THE TIME about her dead son! Can you help us? I have tried to call the number that registers on the caller ID, but I cannot ever get to a human being, because I don't have whatever account number they are calling about, and when I tried entering his social security number it doesn't work because he does not have an account with them. She thinks that the address that the man keeps saying is 6190 West.... but she cannot tell us the rest (she is in tears by the time they get to the rest).

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RobPickerington, OH

Reviewed March 20, 2009

I check my account Saturday 3-14-09. i had 219 dollars. This was with all transations from the week. I planed on having about 60.00 till I got paid again until 25th. I got gas, cigareets and food for the time leaving about 60.00. apparently here machin was wrong and i went under 37.00 dollars. They have now charged me 5 or 6 NSF fees at a pop for less than in nsf. I went to the bank on 3-18 to put money in the account, and was told I had to do over 200.00 to bring current, the manager was too busy getting ready for lunch and just blew me off. Stated the computer does that and they can't do anything about it. i advise her that people program computers not computers telling people what to do. I said it seems like see was too occupied getting her lunch plans done to liten to me. I verified this by waiting just two minutes for her to leave. I then called the toll ree # and was refused a manger direct line, but was transfer to a mangers voice mail I was told would get a call back that day. I left a message for jeanice best. 4 hours later nothing, I called back and was told mrs.best was n vacation and her manager mr.boone was not allowed to take my call unless I follwed the chain of command. The lady I spoke to was chonshondra, she said that the rule for call back was 24-48 hours. She said people check mrs best voicemail and they would call back. I waited until 3.20 at 4:00, ow52 hours from mty first message. I got put on hold for 15 minutes for mr. BooneBrabdy lewis then told me that she was not allowed to transfer me to mr .boone and she had no way of getting his ecxtension. She basically put up a wall againest me speaking to anybody, even though I was customer. she also lied several other ways, stating there was no v.p of customer serivce and she had 0 access to a directory. she refused several tiemes to transfer to mr. boone finally she hung up on me, becasue I didn't want to speak to anybody else, seeing I was lied to serval times about small things. I am not going to file several compliants to try and fix my situation due to this error. 40.00 should nnot be 200.00 plus in fees. That is like robbery.

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PeterHollister, CA

Reviewed March 20, 2009

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

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PamelaMchenry, IL

Reviewed March 20, 2009

We have WaMu (Chase) for a mortgage company I have my payments up to date. So we thought. About 14,000 later they are still telling me I'm behind. All the money I sent was placed in a holding account that made us get late fees. I went without a statement almost half of the year last year but I sent them the regular payment. My husband got a letter saying he was 3,000 behind, so he called and talked to them to find out why the payment more than doubled. We needed to catch up or the house would be foreclosed. They let me make partial payments to get it caught up. At the beginning of this year they suddenly would not do the partial payments and sent me a check back and said I was behind even more. I sent them a hardship letter with all the required information (they asked for on their web page) they needed over a month a go. Over the weekend they sent a payment statement saying that we are a month behind again. Every time I call I get a different person thats rude with different stories. We talked with a HUD counselor, and he was a big help. I did everything he said to do to save our home. I don't know what to do. I feel they are making it look like we are behind so we don't qualify for the mortgage help, and they ruined our credit to find a new loan company.

There are six of us living in this house and I used all my money to fix the mortgage so we could stay here. I have nothing to even get an apartment. We couldn't afford it any way because my husband was recently laid off. We are currently looking to refinance with a different company, but because of the credit issues, and WaMu pulling stunts like they did, I fear it will be almost impossible to get a decent loan

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ThanhAlhambra, CA

Reviewed March 19, 2009

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.

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SherryBenton, AR

Reviewed March 19, 2009

My husband(At the Time)and I purchased a house for our Daughter and when we were divorced they contacted WAMU to refinance the house out of my name into theirs and to get lower interest rate at the time they were advised NOT to make a payment that was October 2008 they heard nothing till late November then they had to call them and were told paper work in process NOT to make payment it would mess things up again Hearing nothing from them till Janunary and not from them BUT an attorney saying the property was in foreclosure. Things have just gotten worse from there contacted WAMU and she said she would take care of thing AGAIN NOT to make a payment. Again in March from same Attorney FORECLOSURE again this time in July.......MY Credit is ruined because of this I Don't KNOW What to Do!!!! The house is vacant and has been since 1st notice of foreclosure...Now some realtor has sign up....Help

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MollySan Mateo, CA

Reviewed March 18, 2009

Chase took over my Providian account last month. I went online a few days before the payment was due as I always do to make the full payment. The site said it was temporarily unavailabe and it wouldn't be back up until the day my payment was due. I decided to go ahead and drop the payment in the mail. It still should have and very likely did get there on time. If it was late not only would it have been postmarked on time but this would have been at their fault. I called them as soon as I got the $39.00 late fee on my next statement explaining all of this. The woman I talked to said they can not take off the late charge. She also told me I could have called to make a payment because they had waived the late fee due to the online mess. I did not call because I knew there was a fee and was not notified that it would be waived. She didn't see a problem with the fact that I wasn't notified, insisted the late charge could not be removed. I then asked her to close my account and she did. They would rather lose the business of someone who has always made her payments on time in the past and has very good credit then remove this bogus charge.

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BillyBucyrus, OH

Reviewed March 18, 2009

The bank gave me a credit card with free account transfers for one year no interest. And new purchases 7.7 percent. I took them up on it and ever since they keep telling me cause they dont get payment within this few day window im charged late fees and also keep uping my interest to 27.7 percent. Thats just in 6 months. I argue and say i pay all my bills on the 10th or the 12th of the month and i havent missed a payment yet and have the paper i printed online to prove it, but their records show im late.I even paid three to four times the minumum amount due. They are ripping people off, if you go online to chase banks you find thousands of people bloging about being ripped off by this bank the same way i am with charges and high interest rates increasing each month to the max of 33.3 percent. its time someone takes them on and puts a stop to their criminal activity.

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SanjitFremont, CA

Reviewed March 17, 2009

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.

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JayPortland, OR

Reviewed March 17, 2009

I SIGNED UP FOR O% 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

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FredrickTacoma, WA

Reviewed March 17, 2009

I recently opened 2 accounts at WAMU bank branch in WA State. I had a child support officer wrongly place a hold on my funds in my bank. The decision was immediately reversed after a phone call and letter was sent to release all funds to WAMU and a copy myself. I then checked with bank and for a week nothing was done. I then had to twice take in my copy of the release in order to get my money released. I checked my bank many times for the money to appear back in my account but nothing. After spending over an hour on the phone and customer service giving me numbers to call that were disconnected, I reached the Levy Dept which then went on to inform me that my funds were released but due to the fact it was a new account that was opened with a $100.00, I had no money in my account because Chase charged a $100.00 processing fee to hold my funds! There was no notification of this and who charges a $100.00 to do nothing but press a button. Why did they not charge the person placing the levy? They then went on to tell me that this would not be returned and in so many words, this is what they do and I am screwed. I am closing 3 accounts, going to the BBB as well as the Attorney General and anyone else that will listen. In my 18 years of dealing with child support, this has happened twice. Once at US Bank and then at Bank of America, who never charged me, just released the funds. I was happy having used WAMU before but Chase is a Corporate Money Monger who will do what they can for your few dollars. I signed up for WAMU service but got the Chase shaft!

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PaulClearlake, CA

Reviewed March 16, 2009

we fell behind on a payment and we asked for help we where told to send bank statement income and hardship letter we did 8-26-08 we got calls every night we told them we sent in all paperwork they inforemed us that a jennffer brown was taking care of it we went on this for 4 mo we get a letter in the mail saying she will contacted us in 45 day we got the money together to caught up on are payment and still need the help we get a letter saying a payment was going up starting apirl 1 09 we called agian they are still working on it we get another letter saying we are diend because the paperwork is not current and up to date and that they changed companys and that we don't make enough income to Qiulfly for the modifcation loan please help us we don't want to lose are home we have two kids a 14 year old with sma type 2 getting ready for back surgery and a 2 year old with only 2 heart value and is getting ready for a heart surgery please find it in your heart to help us out not only are we stress on are kids we have to deal with wamu that don't want to help

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DawnValley Stream, NY

Reviewed March 16, 2009

I inquired about a transaction through customer service. since then they have place a fraud alert on my account dening me access to my account. fter speaking with 2 diffrent supervisor and getting no where. i am still unable to access my account. and have been given no reason as to why a fraud alert was placed. they have poor customer service.

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MariaDeltona, FL

Reviewed March 15, 2009

On January of this year I was late in my mortgage payment for the first time since I've held my mortgage with WaMu. On February 7, a payment for my overdue payment and for the month of February was made via telphone authorization with one of Washington Mutual's employee. On March 8, I received a call, person calling left a recorded message, for me to call about my mortgage. I returned the call on March 9 at 4:33 p.m. During telephone conversation, I inquired the reason for the call, since I was within the grace limit period (15 days) to make the payment. The employee told me that this was a "courtesy call". I then asked if WaMu calls "ALL" its mortgage holders to remind them of their payments. To this the employee stated that they do that frequently. I told the employee that I do not need for WaMu to call me about my obligations and that they will receive the money for the mortgage between the 13th and 14th of this month. I asked her if I am going to start getting those calls because I believe they should not harrass people that way if under the terms of the contract the payment is not overdue. Since then calls keep on coming at least 2 times a day (which I've chosen to ignore). I made my mortgage payment for March on March 14 at one of WaMu's branches. I tried calling but, per their recording, their offices are closed over the weekends. Much to my surprise, there was another message to the effect of "collecting a debt" last night 3/14). Again, this morning I get another call from WaMu and their rep is telling me that they have not received the March payment. I told him that he needs to go to their computer system and check before they make such calls that are becoming harrassing in nature. He told me that their systems do not show any information for at least two days, I told him that that was not my problem and stated that according to the documents in my mortgage contract, payments made during the weekend when the due date falls on a weekend,the payments are due on the next business day. This does not make my payment late. I asked then what the reason for the call was and he said it was a "courtesy call" to which I replied a "courtesy call" for what, since the payment has already been made. I added that I do not want WaMu to call me, I know my obligations and I do not need them to remind me constantly through harrassing calls. Can they actually do that? By the way, I asked the rep to record the phone call.

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RobertTorrance, CA

Reviewed March 15, 2009

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.

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RyanSf, ca

Reviewed March 15, 2009

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.

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PhilKenosha, WI

Reviewed March 14, 2009

My wife and I have never had any problems with WAMU... Since Chase has taken over WAMU we have had never ending problems with Chase...We both have direct deposit payroll. Everytime payday comes around Chase locks the account so we have no access to our checking account to withdraw money to do foolish things like pay bills and groceries.. GOD FORBID I keep food on the table..... I Hope Chase Corp. Rots in Hell. Thank God corporate America keeps everything screwed up.....

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BarbaraSchaumburg, IL

Reviewed March 13, 2009

I have an ongoing automatic withdrawal setup with a business to withdraw $400 the first of every month. I assumed this month I was okay

since this bill should now be paid completely - so that part is my own error. My bank account did not have the funds to cover this months payment - I believe I had $250 in there and my payment is $400. The payment date came (March 1) and for some reason the bank paid it and charged me an overdraft fee. Fine, I had waivers on my account since I have never been overdrawn with them. The next day the only check I had written also hit the bank, which was paid and again I had one other waiver. So at this point everything is fine and I just will deposit the amount of money needed. But thats not how it worked. The day after all of this, USPS postage charges made from my debit/credit card from the prior week in February then cleared bank system - for 3 charges of approximately $3.00 each - I was charged $105. These USPS charges were all done prior to March 1 and the money 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. I went to the bank this afternoon and spoke with whatever manager was on duty at their location on Schaumburg Road in Schaumburg, Illinois. He asked me if the postage charges were real and I said yes. I explained that these were done prior to March 1 and the money was in the account for these when they were made. He said that although from the bank end it would have showed "pending charges" in their account system prior to March 1 it is my own fault and the $105 in overdraft charges stand. I do not understand how the bank could accept charges and list them as pending when the money is there for a week instead of clearing them when they were done, and then charge me overdraft fees when the money was in the account when the debit card was used. 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. Now, this is not the first time this bank has had ridiculous charges. In September of 2008, again with USPS, I used my savings account to pay for four postage charges. They proceeded at that time to hit me with $40 in "excessive use" charges. Since the account was opened online, you would assume that they would send an email to me to let me know of the charges. But no, they sent a regular mail and in the meantime charged me even more before I knew that using a savings account to pay for postage was

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JoyePrescott Valley, AZ

Reviewed March 12, 2009

I recently mailed a deposit of $500.00 to my Wamu Account # xxxxxxxxx. 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 so much Wamu for having some compassion. Thank you for taking the time to help me. 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.

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TennyHuntington Beach, CA

Reviewed March 12, 2009

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.

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TennyHuntington Beach, CA

Reviewed March 12, 2009

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DianneMurray, UT

Reviewed March 11, 2009

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

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JamesMount Airy, NC

Reviewed March 11, 2009

they jacked up my intrest rate to 26% and cut my credit line and increased

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CandiceWheatland, WY

Reviewed March 10, 2009

My husband has had an account with WaMu for a few years now. Recently, in December, there were a couple of unauthorized transactions made to western union. When he called to talk to them they said they couldn't tell him who had recieved the money or any information pertaining to it. So he had to file a dispute, sign an affidavit and so on. They credited his account for the two amounts taken out. He than recieved a letter from them a couple of weeks later stating that they were going to withdrawl the credits back because they hadn't recieved the affidavit. We tried to call someone about it but got transfered numerous times, and then they acted as if they couldn't hear us and hung up on us.

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MaryLexington, SC

Reviewed March 8, 2009

I consolidated several bills with the card years ago. Theinterest rate was set at 4.99 percent which was suppose to stay the same until the balance was paid off and that I would pay 2 percent of the balance (minimum payment) til paid off. and with no service or finance charge. Now they have raised the 2 percent balance payment to 5 percent and are now charging me a $10 per month service charge/finance charge. I called Chase and they said if I would let them raise the interest rate to 7.99 percent on the balance that they would cancel the finance charge and would lower the minimum payment to 2 percent of the balance. I don't know what to do! Is this a legal thing that they are doing to me and what recourse do I have?

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ReginaCanyon Lake, TX

Reviewed March 8, 2009

I sold my home (8510 Park Olympia, Universal City, Texas 78148), that was awarded to me during a divorce, in November 08. The title co sent your co all paperwork from the courts that all monies would be sent to me. December 08 the automatic withdraw for the second mortgage was taken out of my checking account. I phoned your company speaking with Alex who informed my my check should be sent to me within 2 weeks at the new address I had given her. Three weeks later I phoned and spoke with Dante who informed me it was mailed to the new address. One month later I called and spoke with a manager, Lori Torke, who informed me there was no check that had been mailed nor did they have my new address on the computer, but she would generate it - two weeks pass and I phone, Miss Torke was unavailable but spoke to Penny Ward who informed me

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LyudmilaValley Village, CA

Reviewed March 8, 2009

I bought the property on January,2008. I used to pay for the property regularly from the time I bought it, sometimes I paid in advance. However d/t economic situation in USA, I lost my highly paid job on April,2008, and as a result of the stress my health was deteriorated and my primary care physician put me on a state disability program . After these dramatic changes in my life and inability to pay this monthly amount of money for my property, my loan officer placed the claim on June,2008 for refinancing to the Washington Mutual and faxed all required documents to be placed on a special program to reduce my monthly payments.( I have all proofs of faxes my loan officer faxed to the WaMu.) Usually time for review cases similar to mine is 90 days.

Twice a month he called and asked about my file situation, and I continued to pay accurate for my property. My loan officer informed me after phone conversations with the Bank, that everything is under control of Wa Mu, but I need to wait until the decision will be made. I was waiting with hope, and expected to receive the decision on September,2008. But nothing was happened. On October, 2008 my loan officer called to the bank and talked to the supervisor â€“ Sharon, she explained that Wa Mu doesnâ€™t have the file under my name. Loan officer faxed the proof that he faxed all required paperwork before. Sharon excused before him for loosing my documents during the period WaMu was under Chase Morgan control, and promised to put urgent on my new file under Loss Mitigation Program, and the decision will be made during 2 weeks. My new file was placed on January13, 2009 and for review my request. I call every week to find out about the decision regarding my situation. On 02/08/09 I received the letter that my file is denied d/t missing: additional pay stub, additional bank statement, 2007 tax return. On 02/11/09 I faxed third time ( I have all proofs of faxes previously faxed to Wa Mu) pay stubbs, current bank statement and 2007 tax return and on 02/13/09 I left a message to the loan workout specialist re: my situation, but nobody called me back. There is no progress in my request for loan workout 9 months, since June,2008. I called to the WaMu on 03/02/09 to find out is my request to be processed. I talked to Melissa on 7:00AM and she explained that loan workout specialist doesn't have second page of my bank monthly statement for February,2009. I donâ€™t understand why, because I sent all pages, however faxed again and sent by certified mail to the bank statements for January,2009 and February,2009 (both pages). If I didnâ€™t call to the bank on 03/02/09 , nobody noticed me about missing pages. I gave before my e-mail address, my cellular phone number, my home address. This is the possibility to be in touch and finally completed my request for a loan workout ( loan workout specialist were working with my file from January13,2009 : it will be almost 2 months. It seems that my case is â€œirresolvableâ€?. Many times I wrote the letters to the loss mitigation department and many times sent required documentation, but decision is still pending. Nobody paid attention to my request for making a final decision.

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MiriamWest Haven, CT

Reviewed March 7, 2009

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 Vikram Pandit the CEO of Citibank. We were unsuccessful when wrote to James 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.

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EdwardTracy, CA

Reviewed March 6, 2009

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.

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DeniseEvans, GA

Reviewed March 6, 2009

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.

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JacobPalm Bay, FL

Reviewed March 6, 2009

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 at (800) 517-04907 ext. 2800 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. Bottom line 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.

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GayarreDetroit, MI

Reviewed March 6, 2009

i had my tax refund put on a chase debt card but when i try to use i it said my birth date was wrong so i fax them the necessary id to update my card but 2 weeks ago but my card has not been updated ? why is this and it only takes 2 biz days to update so i fax it once a day for 3 days so i call back to find what wrong chase said thay did not get it so now i keep faxing my id but no update 10 fax later nothing help me get my money from chase i need my money from chase help help help help.

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DanAugusta, ME

Reviewed March 6, 2009

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. Won't break my heart if the WaMu managers responsible lose their jobs in the transistion to Chase.

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MaryRiverhead, NY

Reviewed March 5, 2009

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.

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KimPort Orange, FL

Reviewed March 3, 2009

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. kim gucciardo

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DanielScottsdale, AZ

Reviewed March 3, 2009

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 stupid!!! 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 waiting for them to move on march 9th on wamucards.com

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WingyElk Grove, CA

Reviewed March 3, 2009

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.

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TammySouth Plainfield, NJ

Reviewed March 3, 2009

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.

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DavidCharlotte, NC

Reviewed March 2, 2009

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, My question is is the bailout money going to support forigen country's , plus I now get rape on the intrest too. We need to stop this.

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RonaldNew Port Richey Florida, FL

Reviewed March 1, 2009

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.

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HowardEvanston, IL

Reviewed Feb. 28, 2009

In Cook County, Illinois, we can pay our real estate taxes at Chase Bank. I have done this in the past with no problem. The other day I went to the Chase Bank near my Evanston, IL, home to pay the real estate taxes on our house and on a condo my wife owns. The teller called one of the bankers over to review the transaction. He pointed out I needed my phone number on the check and that I needed to fill in on the tax payment voucher the amount being paid. Okay, I did it. The teller could have told me that. Then the banker said he noticed that I banked at a local bank and asked if I had a Chase account. I informed him I did not have a Chase account, I had been banking at my locally owned bank for nearly 20 years and was very happy and did not want to switch. He went on to say that Chase would like me as a customer, even in addition to being a customer at my locally owned bank. I said no, I was not interested. He wanted to know why and I told him Chase as a mega-bank and I was not interested in dealing with it. Too big, no personal attention, etc. as I get with my bank. He continued to give me a spiel until I told him that I resented it and found it very annoying. I had raised my voice at this and seemed to get attention of others in the bank. At that he desisted, apologized and walked away.

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LindaAshland, OR

Reviewed Feb. 28, 2009

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.

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VeronicaDanville, CA

Reviewed Feb. 27, 2009

On January 26, 2009, I had scheduled to pay my first & second mortgage loans for February 2009. First mortgage payment for $2515 and second mortgage payment in the amount of $620.71. I've checked my bank transaction history which documented that both these payments were made and funds were withdrawn from my checking account on January 26, 2009.

On 2/18/2009, I've received a statement from my mortgage company stating that they've never received my payments. Thinking that it was a mistake, I first contacted my mortgage company and they confirmed that no payments had been received. Mortgage company employee also told me that if the payment is 30 days late, they will have to inform the credit bureaus. Then on 2/20/2009 I called WAMU customer service at 1-800-788-7000 and through the phone system, I've connected to bill pay department-CONFIRMATION # 79696853. Customer service representative stated that they will put a RUSH search on this matter and will contact my mortgage company to assure them of the situation and get the funds back to my account as soon as possible. I asked bill pay representative to contact me when they call the mortgage company because without my authorization the mortgage company will not speak to the bank about my account. Bill pay representative assured me that they will call me. I've waited for several hours and still no one called me. So I called WAMU bill pay again and spoke with another representative (because everytime you call, you get someone else). She told me that a "third party" company has been informed about the missing payments and they should contact me within 3 to 5 business days but in the meantime, they will be contacting my mortgage company. Seemed to me that this problem was being handled like a routine issue and it did not matter to WAMU that I was out of $3135.71 and because of them I was late paying my mortgage. What's worse, it was almost a month since the money was missing and if I did not pay my loans within 5 business days, it was going to be 30 days late and negatively affect my credit rating. I asked to speak with a manager and was transferred to X5029. Manager, I think her name was Aaron, told me that since they are in the east-coast, this "third party" company was closed already but she assured me that first thing on Monday morning 2/23/2009, she will talk to them and call me back. I've waited again on 2/23/2009 to hear back from WAMU or their mysterious "third party". No one called. About 11 am west-coast time, I called WAMU again and asked to speak with the manager at ext. 5029. I could not speak to her and left message in her voice mail. She never called me back that day. Then on 2/24/2009, I called WAMU again and asked to speak with the manager at X 5029 (Aaron); customer service rep said she will connect me with another supervisor name Diana at Ext. 5028. I then spoke with Diana and pretty much begged her to resolve this problem, either get my money back so I can pay my loans or get in touch with mortgage company directly to get the money to them. She said if I request my money to return to my account, they will not pay $16 late charge fee my mortgage company imposed and WAMU will not get involved in explaining that payments were mailed out but apparently lost. Basically, if I decided to have my money returned, WAMU was not going to take any responsibility for this problem. Stuck between rock and hard place, I told WAMU to resolve it so I am penalized. Diana said she will get in touch with "third party" company again. Again no one called me back on that day. I called again on 2/24/2009 and this time spoke with supervisor Jason at EXT 5091. He said it appeared that put stop pay on these two checks and funds will be transferred back into my account by the end of business day on Friday, 2/27/2009. Today,2/27/2009, I checked my bank account and no funds had been returned. I called WAMU again and spoke with manager Jennifer Scanz at Ext. 5009. She said according to their file notes, no stop pay was issued on the checks and this mysterious "third party" had called my mortgage company but they would not speak to them because I did not give authorization... I was extremely upset and told her what Jason had tol me few days earlier. She said there is nothing she can do but to put a stop pay on the checks now and I have to wait 3 to 5 business days for my money to be credited to my account!!!! I asked her why didn't this "third party" call me at the same time they called my mortgage company to obtain my authorization....again Jennifer did not know the answer. I asked her what happened to the two checks to my mortgage company...NO Answer! I want a written explanation from a WAMU official as to exactly what went wrong here. Why my two payments to Nationpoint dissappeared since January 26, 2009? Since bill pay confirmed that these checks were not cashed at all, why over a month later I have not been credited the $2515 and $620.71 back into my account? Why did this "third party" representative who supposedly contacted my mortgage company didn't call me at all?

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CarolTacoma, WA

Reviewed Feb. 27, 2009

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.

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RobertMiami, FL

Reviewed Feb. 27, 2009

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.

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JeanJersey City, NJ

Reviewed Feb. 26, 2009

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.(basicly abusing at the time illegal practice of edge funds made slowly legal by margaret Tatcher and Regan era. now my governement without consultation decided to bail out banks that had been flirting with risks and illegality. 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.

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RochelleSan Jose, CA

Reviewed Feb. 26, 2009

Well, sign me up for the class action suit in California. I, too originally got the Chase card with no annual fee on a promotional balance transfer and have used it specifically for that for the past six or more years, using the automatic payment feature to avoid all those late charges I'd been hearing about. Last month's bill (taken out of my account on 2/18/09 or there about) included the $10 monthly service/finance fee and the 5% minimum payment. I had gotten the terms letter back in November and skimmed it, but nothing jumped out of the fine print at me, and nothing changed with the auto-payments until this month.

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DeenaLongview, WA

Reviewed Feb. 26, 2009

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.....

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WilfredoBrooklyn, NY

Reviewed Feb. 25, 2009

My name is Wilfredo Dominguez, 77, and

seriously believe that, since 1998, I have been a victim of fraudulent bank practices where, during the years, the amount has accrued to about 12K dollars from my direct deposit social seurity account of far less than $700 per month (SSA). I recently discovered the bank's unauthorized practice in late Dec 2008. At that time, I entered the Bank so as to change my account to a Debit/Checking. I quickly discovered that the bank was charging me a monthly fee of $12 dollars to maintain my SSA account. I demanded that this unauthorized practice be immediately stopped. I also demand recovery of the unauthorized fee. The bank maintained that they would check their records. Subsequently, I was told, over the phone, lthat their records, viz., Personal Signature Card & Application (PSCA) authorized support of such a monthl fee. Upon receipt of the PSCA, there is nothing in my signature, or in the PSCA copy that can remotely be construed in permitting the bank to charge a monthly fee. In fact, the PSCA makes no mention of any monthly fee. During the years no Notice and/or Statements were ever received by me because, as claimed by the Bank, they did not have my apartment number? While the monthly fee of $12 has been corrected, nev ertheless, the Bank refuses to refund the unauthorized fees that were taken from me during all these years. Bear in mind, I opened an account at Manufactuer. Since then, the bank was taken over by Chemical, and in 1998 Chase took over. During those years, no fee was ever taken from my account.

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BryanFt. Lauderdale, FL

Reviewed Feb. 25, 2009

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.

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VanCanyon Lake, TX

Reviewed Feb. 25, 2009

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.

Harassment as defined by Texas law is defined as follows 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.

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WayneBuchanan, VA

Reviewed Feb. 25, 2009

claimed they sent me notification of an interest rate hike did not receive one acct 7165

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InglisheCollege Park, GA

Reviewed Feb. 25, 2009

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

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RobertConverse, TX

Reviewed Feb. 24, 2009

WAMU WILL NOT WORK WITH US. I KNOW THEY ARE SCREWING THE CUNSUMOR LIKE ME AND YET NEED A BAILOUT. WE HAVE ALWAYS MADE ARE PAYMENT, BUT LIKE EVERY OTHER AMERICAN CIRCUMSTANTES HAVE CHANGED. YET MR. ALAN FISHMAN WALKS OUT WITH 18 MILLION,WHATS WRONG WITH THIS PICTURE HERE. WE HAVE ASKED THEM TO WORK WITH US AND THEY REFUSE. PLUS SOMETHING IS GOING ON WITH THERE BILLING SYSTEM PLEASE HELP

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NorineWaianae, HI

Reviewed Feb. 24, 2009

What is going on??? WaMu WAS such a reputable company?? Did the CEO's steal their clients money,so they have to go after and rip off all their clients for money to cover their butt? I'd don't want to lose my house?? I got a forclosure notice in the mail just a few days ago. To my surprise my husband I have to pay back a $14,000 + attorney fees??? Why cuz I lost my low paying full time job!! We were only on 1 income. My husband did the part of the paperwork like they suggested, so we mailed in their paperwork...guess what they LOST IT. Great!! so now we didn't know what was going on until now?? We sent in the papers in December. Now WaMu says we will contact you within in 30-40 days.

Bull! thats too late, we would lose our house by then. Oh, well I guess we'd have to keep calling WaMu everyday and hound on them to take action. I am not going to lose my house, not in Hawaii.oh, hell no.!! I got a new job,just temp, but it's part time. By now we are trying to see how we can come up with $14,000 in a few months....unreal!! We are making calls and contact anybody else we know that can help us reduce the amount, modify the mortage, cuz the amount kept going up and up and up and soon, it was getting out of hand each month. We scrimped and tried to save, but living in Hawaii is expensive and at times it was hard. I'm just scared of what will happen with our mortage??

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JuliaPlymouth, MA

Reviewed Feb. 24, 2009

We were offered a 2.99% fixed loan paid off at 2% of the balance monthly, so we paid off our car loan with it. We have had the account a couple of years, and we pay a little more than the minimum due as the budget allows. So imagine my surprise when I open my statement this month to find my payment had more than doubled, and so was late, with a late fee of 39.00 tacked on, and a new 10 dollar service charge to be assessed to the account-every month, and to make it worse, the service charge is accrueing interest at a 10.99% rate!! Now we cannot possibly afford this new payment, as my husband is laid off from his job, and mine is now in jeopardy. We closed the account and have to pay a 3% balance transfer fee to transfer it to another credit card company. We have excellent credit, and never expected this kind of thing-if you have a contract with a bank, fixed apr, fixed terms, how is it legal that they can just change the loan terms?? Our actual car payment was alot less than the new payment they are charging us. I guess we don't eat this week because we've got to pay these crooks. Where's our billions of dollars in bailout money? Did they spend it to implement this new scam?

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ShannonWhittier, CA

Reviewed Feb. 23, 2009

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.

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PatriciaFrazier Park, CA

Reviewed Feb. 22, 2009

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.

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ThomasKeansburg, NJ

Reviewed Feb. 21, 2009

Good day my name is Robert Williams and my father Thomas has continued to recieve harassing calls from Chase Bank. I explained to the rude woman that called today at 9:36am that my father has dementia and short term memory loss. WHAT HE CAN'T TALK?!, was this cretins response.

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MaryannCave Creek, AZ

Reviewed Feb. 21, 2009

I have a line of credit with WAMU. I have had it for three years. After the first year they sent me a letter stating I did not have adequate flood insurance. I increased it to their requirement. My line of credit is for $234,000. My insurance is for $112,000. After three years they now are saying I need to increase my policy $76,402.00 This would make my policy at $186,000. Now this coverage is for the dwelling not the interior. The home is 1400 sq. ft. Cost to replace the block which is the only thing covered under this policy is less that $186,000. My home owners covers the interior. I am told by my insurance agent cost to replace the Whole house would be $169,000. Replacing the block should not cost more than $100,000??? This would be double insurance for my home which is NOT NECESSARY. What can I do to stop this robbery being required by WAMU?

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IreneBrooklyn, NY

Reviewed Feb. 20, 2009

when my husband was alive we transfer his ira to a higher annunities and Dime Saving Bank never closed the account. Now this bank is a chase bank and they want me to spend $25.00 to get a check of $6.70 that was left in the account. I think this is outragious. My money I can not get it. But, they send me a 1099 for this amount in the bank.

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GustaveCrete, IL

Reviewed Feb. 18, 2009

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?

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GustaveCrete, IL

Reviewed Feb. 18, 2009

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ThomasMiami, FL

Reviewed Feb. 18, 2009

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

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LindaHouston, TX

Reviewed Feb. 18, 2009

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.

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VeraElk Grove, CA

Reviewed Feb. 17, 2009

Dear Sir:

Please help, 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 at 603-358-0120 & 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. The see address above. They gave me the Executive Response#, it is the # that is shown above. 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

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Rev.Bloomfield, NJ

Reviewed Feb. 16, 2009

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. Great, so far, eh?

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!

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DavidGlendora, CA

Reviewed Feb. 16, 2009

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.

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WilbertTucson, AZ

Reviewed Feb. 14, 2009

On 11/26/04 I used a Chase Special Rate Reduction Convenience Check (#2218) for $19,400 with a fixed APR of 2.99% for the life of the loan. I discontinued further use of the credit and have paid in a timely manner a monthly payment more than the minimum required payment since that date. My statement closing 1/20/09 increased my monthly payment by 250% and imposed a $10 transaction fee. With my current balance of $6,238.26 my monthly interest is $15.85. The transaction fee effectively increases my interest rate to over 4.5%.

I have the original flyer which accompanied the offer and it does not mention a transaction fee at the time of use of the check or otherwise. I called customer service of Chase and they agreed I had always paid my account on time (I have always paid all of financial obligations including other credit cards on time)and that my account was in good standing. They offered to permit me to opt-out if I were willing to pay a substantially higher interest rate on the remaining balance.

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JohnPhila, PA

Reviewed Feb. 13, 2009

THIS BANK WITHOUT NOTIFICATION BEGAN CHARGING ME A 10.00 SERVICE CHARGE,AND INCREASED MY MININUM PAYMENT 3 TIMES THE AMOUNT AND HAS PUT A GREAT BURDEN ON ME AND MY FAMILY I CALLED THE BANK AND THEY SAID THEY SENT ME A NOTICE WHICH I NEVER RECIEVED, I BELIVE I AM NOT ALONE WITH THIS AND WOULD LIKE TO KNOW MY RIGHTS ON THIS MATTER CAN I SUE THEM

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SingBurlingame, CA

Reviewed Feb. 13, 2009

I received my statment in Dec and found out a charge of $150 from United Airline which I didn't know about. I called United and found out it was a change panelty from a traveler whose airline ticket we previously paid for. We only paid for his original ticket, but not responsible for any change he made. I checked with United, they said he called and made the change himself. I'm positive that the traveler did not know the credit card number or card holder's name. Yet the airline did not verify anything with him then let him use my card to make the change. However the airline said since I was the original purchaser for the ticket so they can just charge to the same card if there is any additional afterwards. I thought this is rediculous. Therefore I contacted my bank, Chase bank, to dispute this charge. I did not hear any update from them for over 1 month so I called and followed up. The rep said they have had closed the dispute because they received the airline receipt, with my card number, traveler's name, and approval code. So they think it was a valid charge. Not only they did not protect their clients' right but they also failed to notify us with any decision they made. We are the ones whose credit card got mischarged, and we are the ones who need to call the airline and bank back and forth to discuss the matter. I think Chase is very irrsponsible. I want to report them. I will have another letter reporting United Airlines as well.

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ElizabethMeriden, CT

Reviewed Feb. 13, 2009

They outright refused to help me with a 1st. time problem re my Feb. 2009 payment. They basically said ''you made your bed now lie in it''

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MaryHampton, VA

Reviewed Feb. 11, 2009

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 (scotts) 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.WHAT THE HECK.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.

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KirstieBronx, NY

Reviewed Feb. 11, 2009

I have been with chase for about 6 years with no problems. Recently a fraudulent electronic check was debited from my chase account without my permission or knowledge. It did not have my name as the payee rather it had the name of a daycare that has my last name. Chase not only honored the false check,but when I tried to dispute it or get info as to what I could do chase told me I could not do nothing.Then they stated that because the payee had my same last name it had to be me. This even though I have never used another name business or otherwise to right a check. Not only have they given me the run around, but chase has been uncooperative. I have decided to never use chase bank again.I have lost faith in the banking system period. They are all con artist.

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DonnaChula Vista, CA

Reviewed Feb. 11, 2009

I applied for a streamline refinance.

They approved it sent me a promisary print out. I have never been late on my mortgage and have owned my house for about 18 years. they told me it would not cost anything. i didnt want any money just a lower rate to help me make the payments (my husband was laid off) they said they had to appraise the house and they would pay for it. So they did that. 2 weeks later I got a turn down for not having any equity. I knew that, no body does! i just wanted help. I then told them did they just want the house then, they said well youve been turned down for a streamline

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DonnaChula Vista, CA

Reviewed Feb. 11, 2009

I applied for a streamline refinance.

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DonnaChula Vista, CA

Reviewed Feb. 11, 2009

I applied for a streamline refinance.

They approved it sent me a promisary print out. I have never been late on my mortgage and have owned my house for about 18 years. they told me it would not couse anything. i didnt want any money just a lower rate to help me make the payments (my husband was laid off) they said they had to appraise the house and they would pay for it. So they did that. 2 weeks later I got a turn down for not having any equity. I knew that, no body does! i just wanted help. I then told them did they just want the house then, they said well youve been turned down for a streamline

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RobSan Francisco, CA

Reviewed Feb. 10, 2009

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.

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CherylCalumet Park, IL

Reviewed Feb. 10, 2009

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.

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BrandonGrandville, MI

Reviewed Feb. 9, 2009

I have been dealing with chase bank now for 6 years and have not had a problem until about a year ago. Whenever i go in to make a simple deposit in to my bank account i have nothing but hassels. They are never polite its always what do u want instead of what can i do for you. Also its a busy bank i understand that there will be time i have to wait in line however when i sit in line for 20 minutes while one teller is working and the rest are just talking i have a problem with that. Overall though what i am trying to get at is CUSTOMER SERVICE SUCKS at chase.

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MichaelWellington, FL

Reviewed Feb. 8, 2009

I bought my house in April 2007 and put down 15% and had a mortgage of approx. 367,000. Things were going well until all the problems in the morgtage industry started to happen for I was a mortgage broker and am directly effected by the demise of the industry. My original loan was with People Choice and with in 3 months was sold off to WAMU, i was makeing payments and then start to fall behind, I also could not pay my past taxes and life went on .I tried to make up the difference and things in the mortgage business got worse. It was like you went to work on a Friday , opened the the store closed the door that night and came back on Monday and the business shut down, was gone poof!!! I was more into commercial side of the business and it to went poof! As a result I started to get futher and futher behind, around Sepetmeber 08 I start to talk to WaMu about a modification they were at first helpful but later on it became a nightmare and a guessing game. After i was approved , the girl told me to just do the mod and worry about it later so what choice did I have . From that point on I never was able to talk to the same person, I was never able to get a straight answer and was bounced around to 8 different people , giving me different stories. One of the biggest issues that i had that i was never given FULL disclosure of the new loan amount and the equity that they were eating up $50,000 plus , to this day I have never gotten disclosure , all I know is that my payment went up from where it was by 3-4 hunderd dollars a month and my rate went down by about 1.5 % I also went to a fixed note amount , I waited til the last minute to make my decision for I could never get the information I requested. One day i got a call from WAMU and the man on the phone said to me send it the paper work TODAY or I will put you in forclosure, he told me they had to have it post marked today !! so with that I ran and had it noterized and sent it off via fedex, still with no idea where the money was being disperced to , that night I called again and the lady on the other end said she would send me the disclosures again , never got them .. I do't know if they paid my taxes and where the other money went . At this point I am behind again because the payment went up and I am going to try to find a way to save my house, I was approved again for a mod, but they wanted money upfront, which I was unable to get so at this point, I dont know what to do . I feel that I did the original modification without full disclosure and by the way i am still getting letters from the first lien holder People Choice, so who really know what happened, who really OWNS the note... all I can do is get an attorney and fight to keep my house. These Modifications are a joke all they do is help the bank not the people

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PaulBabylon, NY

Reviewed Feb. 7, 2009

Mortgage for home with Washington Mutual. Have been trying for over two months to remedy problems concerning payment. Mortgages payhments have been made from two accounts: Business account with Chase (WAMU's Parent Company) and one other personal account. WAMU claims they did not receive certain payments. At WAMUS request faxes were sent to WAMU for them to investigate.Additional fax (same as original) were sent by the branch manager at Chase to WAMU requesting answers. Included in each fax was documentary proof from my bank accounts that in fact the money for the mortgage was sent AND each bank provided documentation that the funds were received by WAMU.In spite of WAMU claiming they have opened investigations via their moneyh tracking division, no answer has been forthcoming except they are working on it. I have reqested several times thaWEAMU fax a letter to me indicating the account was current. This was needed as we are renewing auto leases and in today's times they auto supplier (Saab and Lincoln)insist upon such a statement).

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BobbiIndianapolis, IN

Reviewed Feb. 7, 2009

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!

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ColleenPhoenix, AZ

Reviewed Feb. 7, 2009

My husband is owner of an insurance restoration co in Phoenix,Az. We were contracted by a homeowner to do repairs to his property in Nov. since the repairs were over a certain amount the insurance co put the mortgage co., CHASE,on the check with the homeowner. The repairs were completed in Dec. and the homeowner sent in the check to the mortgage co. to be reissued to the homeowner and to our co. During this whole time of repairs the homeowner was late on payments which the insurance co. and the mortgage co. knew but we did not. The home we did the repairs on has since been sold at auction on Jan. 6th 2009 and supposedly bought back by the bank and now they will not release the funds they received from the insurance co. that was intended to pay for the repairs that were done by our co. Why does the bank think they are entitled to those funds when they money was issued by an insurance co. for repairs that were completed. How do we get our money from them? When we call for status for the last month all we get is the issue is in the REO Dept. and someone will contact you in 24 to 72 hours. Not one person has called to let us know if they are releasing the money. What is the issue, we did the repairs and the insurance paid the claim $26,446.01. We need to get paid!!!!!

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JimPagosa Springs, CO

Reviewed Feb. 7, 2009

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.

I've had a WaMu credit card account for five years now. In that five years, I've used it often--charge it up when needed, pay it back down again, etc. In that time, I've noticed a trend: Every time I get close to my credit limit, my payment due date gets bumped up a few days. Hmmm... How convenient for WaMu. I handle all my payments online. They generally all work like a swiss clock---my deposits post on such and such days, and this or that bill is due on these days--I go in a few days prior, submit my payments, and it all works. EXCEPT for when WaMu decides "Hey, if we bump up the due date, he'll probably not catch it before it's late---oh goody, a late fee. Oh, and how convenient! That late fee will kick the balance over the limit also! Another fee!! FREE MONEY FOR US!! That's a fantastic idea!!! 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...

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LonelyssNorthridge, CA

Reviewed Feb. 6, 2009

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

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DarrenSanta Ana, CA

Reviewed Feb. 6, 2009

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.

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SamuelHouston, TX

Reviewed Feb. 6, 2009

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.

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TracyAtlanta, GA

Reviewed Feb. 5, 2009

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.

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DianeNew York, NY

Reviewed Feb. 5, 2009

1st problem-Chase charged me $10 for plain checks. I found out when I saw it on my statement.I don't get charged for checks. The customer service man agreed that the charge was wrong and told me that I would have to locate the person that made the error and get them to fix it! What utter crap.

2nd problem-Speaking of statements Chase stopped sending mine for six months. I called, I came to the bank to no avail. They claimed that they didn't have my apartment. I've been a customer for about 15 years and I still live in the same place. On the 4th repartition of the story and visit to the bank I asked them to print out my statements.The customer service woman said she couldn't because there were customers waiting. I didn't settle for that.

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MarinelaLehigh, PA

Reviewed Feb. 5, 2009

Hi there and please accept my sincere regrets for your sticky financial situation!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!

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TammySummerville, SC

Reviewed Feb. 4, 2009

As everyone else... I feel that I am a victim of Chase. I have been a good customer with Chase for many years now. I too accepted a transfer offer from Chase; a Fixed 3.99% rate for the life of the loan, with a minimum payment of 2% each month. I received my monthly statement (for Jan 2009) from Chase and I was shocked to see that my minimum monthly payment has changed from $103.00 (2% of bal) to $255.00 (5% of bal), plus a $10 monthly fee. I called Chase to see what was going on. The Chase representative said, due to hard times for them, they are making these changes, because they aren't making any money on the account. I said, we are all having hard times. Like others, the Chase rep said, that the only option available to me, if I wish to keep a 2% min monthly payment term, was to agree to a 7.99% rate. We are getting ripped off, because they do not want to stand by the agreement. What will stop them? For all of us that Chase is doing this to, is there any help? Any help would be appreciated.

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MattQueen Creek, AZ

Reviewed Feb. 4, 2009

I have been a victim of Chase Bank rearranging debit card transactions so they can charge fees as well. I have $105 in fees charged ($35*3) because they put the largest transaction first which happened 3 days after the smaller transactions. What ever happened to just DENYING the transaction!! I would much rather suffer the humiliation of being denied a purchase than paying a $35 fee for a $6 debit purchase. This practice must STOP immediately. Transactions should be processed in the order they occur, not in the order that a BANK sees fit to process them. They claim there are "holds" on certain types of transactions, but I guarantee that is ** and they have a computer script that works in their favor every time. How could a bank who received $127 BILLION in bailout money continue to FLEECE the middle class with illegal fees and get away with it. Someone in the legal field please take these criminals down immediately!

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SheliaBessemer City, NC

Reviewed Feb. 4, 2009

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. This company is stealing from the very customers that keep them in business. 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.

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AnnWashington, DC

Reviewed Feb. 4, 2009

For years this bank has collected unfair overdraft fees from my account and maybe many others. It appears that instead of applying the transactions in the order that they are processed, Chevy Chase chooses to apply the transactions with the largest amount applied first causing a ripple effect that accrues the most fees. For example if three transactions came in for $10, $20, $50, and your current balance was $55, automatically the $50 payment will be applied first causing two overdraft fees totaling $70, instead of applying the the two smaller amounts first which would have resullted in only one $35.00 overdraft fee. I think that with the economy being in the state of recession, Americans are feeling the pinch not only at the pumps or grocery store but also at the banks. This kind of questionable business dealings is making it hard for all Americans and also affecting consumer spending. I've been a faithful customer of this bank for so long and what do I get for this loyalty? Unjust Fees. There must be something that can be done about this.

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AmandaBoise, ID

Reviewed Feb. 3, 2009

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

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DaleCanton, SD

Reviewed Feb. 3, 2009

My previous payment was $150.00 and now it was raised to $350.00 they told me it was due to the economy. My credit rating is above 750 and I always pay my bills. Chase will never get any of my business ever again.

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NicoleMilwaukie, OR

Reviewed Jan. 31, 2009

I am a mortgage loan officer & due to a sporatic year with all the changes had multiple months with no commission & fell behind on my mortgage w/ Wamu, this mortgage was a Long Beach Mtg opened 8/2006 @ a Predetory lending rate of 9.20%, I sent in all of the required info to request a modification in Oct of 2008, @ 90 days behind on my payments. Received a packet in the mail randomly (no calls, nobody from Wamu reached out to discuss the terms)January 8th containing my approved modification docs lowering my rate to 6.55, ONLY IF I SEND IN A REQUIRED CASHIERS CHECK BY JANUARY 16TH IN THE AMOUNT OF $2500 TO COVER (And I quote) This amount includes charges for the modification fee and necesary advances including but not limited to recording fees, attorney fees and costs, returned check fees and late charge fees, if any. Additional sums may become due as a result of the timing of this letter and Agreement. Nothing in this letter precludes our collections of additional advances. AND A pmt of the new mortgage amount of $1,598.75 before Feb 1st. SO, they want over $4,000 from me to modify my mortgage to terms that are still not affordable & are setting me up to fail once again.

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HarrietteCarson, CA

Reviewed Jan. 31, 2009

I was so angry with this woman, but I knew she was African American because I am.Picked up on the intonation immediately no matter how overly proper, over compensating she tried to sound. I was inquiring about my mortgage loan. This month, 3 payments were taken out. Her comment Why are you just inquiring now, you have been with us for 10 years and never inquired before. Well, I was charged $99 in fees because the third payment was not in the account after paying two payments and frankly, I do not remember 3 payments being taken out of my account ever. It was not until I looked at statements again and was able to see a cycle showing 3 payments required.Any case, this woman did not have the right to respond to me in that manner. Probably, nothing will happen with this complaint, but there needs to be some training for your workers on customer service. The young gentleman at the desk was very helpful and sensitive, but the African American woman in the mortgage dept., she had to be one who answers phone inquiries was wrong. From the location above, the mortgage dept. was contacted.

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GriseldaSan Diego, CA

Reviewed Jan. 30, 2009

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.

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DarleneOgden, UT

Reviewed Jan. 30, 2009

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 . I guess there is such a thing as carma. Good luck Chase in making angry , unhappy customers happy.

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BarbaraBath, MI

Reviewed Jan. 30, 2009

Chase Bank has re arranged my debits coming through so they can charge me fees of 35 dollars when i had the money available they mess with your accont I have paid over 1,000 in fees yes it is a newer account they decided to close my account after i paid all their fees and they never contacted me to let me know they were going to close my account my husband and I deposit on the same day every week we live pay check to paycheck so we have to deposit so bills are paid wich they are. they told me at customer service there is nothing to be done now our tax refund check is going to be direct deposited 1/30/09 what will they do with our money they have all the control how do I get help? I had one overdraft fee that was our fault they are still closing our account

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PaulMiami, FL

Reviewed Jan. 30, 2009

I aquired a HOME EQUITY LOAN with Washington Mutual about 5 years ago, the loan was At Prime Rate The problem is that when the Prime Rate went up, the Payment went up immediatley day by day, but when the Prime rate goes down, WAMU does not adjust it, sometimes it takes months and only adjust it when you complain.

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WendyDes Plaines, IL

Reviewed Jan. 30, 2009

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!

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DonnaAmity, ME

Reviewed Jan. 29, 2009

Just like everyone else. I was told I had a 3% rate for the life of my balance. Just like everyone else, they doubled my payment and gave me a $10.00 service charge. This is extortation! We all need to band together and fight this.

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CarrieParker, CO

Reviewed Jan. 29, 2009

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.

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DianaWesley Chapel, FL

Reviewed Jan. 29, 2009

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

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JosephCorona, CA

Reviewed Jan. 29, 2009

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.

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EllisBrooklyn, NY

Reviewed Jan. 29, 2009

CHASE HAS BEEN GIVING FALSE AUTHORISATION AND APROVING SALES ON MY ACCOUNTS KNOWING THAT ENOUGH MONEY WAS NOT IN THE ACCOUNT .THEREAFTER CHARGING $35 FOR INSUFFICENT FUND PER TRANSACTION EVEN IF MONEY IS IN MY SAVING

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AaronNewport Beach, CA

Reviewed Jan. 28, 2009

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.

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JacalynBatavia, IL

Reviewed Jan. 28, 2009

In Dec. or Jan 2008 I asked my personal banker, Pete Lesniewski, to transfer all the $$ I had in American stocks to my money market account. This $ resulted from the death of both parents. I was not keeping a close eye on the statements (my fault), only looking at the bottom line.

He didn't not call me for a follow up visit in 2009 as he should have. I called and saw Carol Larson in another branch to go over the losses for 2008 on 12/30/2008. I asked her to transfer "all the $$ in my money market account" to annuities. The trade date was 12/31/08. When the trade confirmation came in the mail, it showed $17,256.78. There should have been more. My husband and I met with the branch mngr., Mr. Vince DiMarco, on 01/09/09, who gave me a printout showing Mr. Lesniewski did not put the $$ in a money market, he invested in different stocks. Mr. DiMarco explained he couldn't help me, to call Mr. Slattery, the financial division mngr, which I did on 01/12/09. Mr. Slattery was going to open an investigation, and I was not to talk to anyone from either branch in Batavia. On 1/20/2009 I got a call at work from Carol Larson telling me I had to sign an investment switch letter, and I should fax it back to her immediately. She faxed it to my place of business. The letter showed sell: $17,256.78 JP Morgan Liquid Asset Buy $37,802.00 ING Architect. I couldn't see how they could take $17,256.78 and buy $37802.00. I called Carol and told her I wasn't going to fax it, as I didn't understand. She wanted me to come to the bank directly after work. I set an appt. for 1/21/09 for 4:30, and called Mr. Slattery. He instructed me to sign the document and Carol could explain, if I wasn't comfortable not to sign it. (all vm) Yesterday, 01/27/09 when I got home from work, a UPS Express envelope from ING was in my mailbox containing a check for $37,802.00. ING can't seem to tell me anything, can't find my accout, but do have record of the check being cut.

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AmyTorrance, CA

Reviewed Jan. 28, 2009

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. My Aunt lives only 18 miles from me. 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. Oscar 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 Diamond. I asked for Mary Diamond'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 Diamond. 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 the Conformation # 412278934979EF0D. Today is the 28th of June. There is no response or no email communication.

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EarlOakley, CA

Reviewed Jan. 28, 2009

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.

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JoanPiscataway, NJ

Reviewed Jan. 28, 2009

I went through a divorce in 2000. I kept the marital home. It had a $146,000 mortgage on it, with my ex as the primary borower, and me as the co-signer.. I dont' work and still don't. He signed the title to the home over to me. That is in my name alone. The mortgage was bought by Washington Mutual and his name and mine were both on the mortgage for quite awhile after the divorce. And, the mortgage loan number was the same as the one assigned to us when we first got this loan from another institution. Suddenly one day I notice that I have a new loan number and that his name is not on the statements anymore.. Just mine. I never did a quit claim or refinanced the mortgage. I called them after noticing this and spoke to a woman. She said this was done awhile ago and she had no idea when or why I was assigned a new loan number! I gave up.. Since then, they sold my mortgage to Wells Fargo. I don't talk to my ex husband and now I'm wondering how he managed to get his name off this mortgage! I kept the loan which is at 6 3/4% since I did not want to be totally reponsible for repaying if I were to run out of money. I could have refinanced at a lower rate if I had only been notified of this! I am still trying to get WAMU to give me the hows and whys of what took place! I am so angry that I was not even notified! And why the new loan number? What's up with that??

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PatriciaDetroit, Michigan, MI

Reviewed Jan. 28, 2009

In March of 2008, Ms. McKissick contacted me by phone and asked if a loan modification would help. At the time, I had an adjustible rate mortgage with a payment of $1114.20 a month. It is important to note, the rate had not adjusted.

She stated, while the loan is being modified, you do not have to worry about making payments, I accepted. A few weeks later, the Loan Modification papers arrived. I was instructed to sign and send a money order in the amount of $95.00. When the papers were returned, they showed a payment of $707.09 as of May 1, 2008. Apparently, the time it took to modify the loan, WAMU took upon themselves to report my payments as being late. I have lived in my home for 23 years. I have mortgage it several times. I have never been late or missed a payment since I have owned a home. I am sick and tired of loan agencies being allowed to take pen and ink to paper and ruin the lives of families. The incorrect information which appears on my credit report is preventing me from getting rid of this ill-fated loan. The agency that initially set this loan up,the State of Michigan have shut them down. I am now sueing the company and according to my attorney, whoever purchased the loan, purchased everything that comes with it. In my opinion, WAMU should be taken to task for the hardships they have brought upon families. If anyone knows of a class action lawsuit, please forward the information tto me.

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PatriciaDetroit, Michigan, MI

Reviewed Jan. 28, 2009

She stated, while the loan is being modified, you do not have to worry about making payments, I accepted. A few weeks later, the Loan Modification papers arriced. I was instructed to sign and send a money order in the amount of $95.00. When the paper were returned, they showed a payment of $707.09 as of May 1, 2008. Apparently, the time it took to modify the loan, WAMU took upon themselves to report my payments as being late. I have lived in my home for 23 years. I have mortgage it several times. I have never been late or missed a payment since I have owned a home. I am sick and tired of these agencies being allowed to take pen and ink to paper and ruin the lives of families. The incorrect information which appears on my credit report is preventing me from getting rid of this ill-fated loan. The agency that initially set this loan uup, the State of Michigan shut them down. I am now sueing and according to my attorney, whoever purchased the loan will be responsible for compensation. However, until then,WAMU should be taken to task for the families they have caused an hardship.

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BettyMartinsville, IN

Reviewed Jan. 27, 2009

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 iwant 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 they are the crooks greed mongers and they have loan sharks beat by a mile.I am disabled out of work have no medical insurance and medicine that is close to $500 a month you can't get blood out of a turnip i was willing to try to pay my debt they were not they defaulted and good luck.

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LuzLos Angeles, CA

Reviewed Jan. 26, 2009

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.

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ShawnaMonroe, WA

Reviewed Jan. 26, 2009

I am writing to let you know how very disappointing I am with Washington Mutual Home Loans.

I recently sold my home and I cant believe all the fees you added to my closing and payoff balance. I was sad to sell my home, but extremely excited to get out from under Washington Mutual Home Loans. I have been going back in forth with you for years about your outrageous fees you charge your customers. When I went online to see who else has had these problems. I wasnt shocked to see hundreds of people have had the same problems. You state that I havent paid my mortgage since October. I have check numbers and days you cashed my checks in November and December. You state my property taxes werent paid, so you put that on my closing. When you paid those out of escrow in October. You tacked on hundreds of dollars of late fees. When I pay my mortgage late, I always add on my late fee. So how is that possible? I am shocked that your company has stayed in business for so long. I have heard of employees embarrassed that they worked at WAMU. Just because they are honest people, and you cant be honest when you work there. When I have have called WAMU mortgage I dont get the same person twice. There are no contact people who you can talk to. Chances are when you call back, there is nobody by that name. I paid my late fees and my back payments in March of 2008 in the amount around $5,000.00 to bring my loan current. It only took you a month to start holding my checks again. Every time I made a payment you held it up until a week after it being officially late (the 15th). Then you slammed me with a late fee. Which then I added that fee to my next payment. . As far as the Escrow, I would have a positive amount if you guys actually did what you were suppose to do when I refinanced my loan. That was to have my property taxes taken out of my payment. Of coarse that didnt happen. I would like an explanation on all of these charges. These include: Recoverable Balance of $580.00, Other Outstanding fees of $10.65, Payoff statement fee of $30.00, Reconveyance Fee of $45.00, late charges of $319.22, Interest to 1/23/09 of $4,095.54, Escrow/Impound Overdraft fee of $1,817.77. And why are you charging an interest of the payoff of $216.96? Are all these fees your way of ripping off the customer. I want refunds on the payments you said I never made. Refunds on all these Misc fees you are asking for. I want explanations, refunds and the solutions you are going to provide by the end of Febuary. Shawna Crayton-Renando 17082 155th St. SE Monroe, WA 98272 #0666203211

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PhoenixHollywood, FL

Reviewed Jan. 26, 2009

Complaint Description:

On September 30,08. Upon signing on to the Wamu website to check on my business Account,( Account # 8844787165 ) 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,Florida 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,Florida. 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.

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KathrynWarsaw, MO

Reviewed Jan. 25, 2009

Over draft fee's $39.00 2 times. I called ask why. They are very hateful nasty.I made payments by on-line soon as I get the bill.They said I was late. One time I was over my limit of $400.00. I tryed to increase it. They told me they would. I have banking statement on-line banking when I sent when they got payment.

These people lie very rude.

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MichellePortland, OR

Reviewed Jan. 25, 2009

Washington Mutual hold the mortgage to my home my husband and I recently fell into some hardtimes due to economic conditions he lost his job and also had medical prblems are income was impacted significantly. I contacted WAMU to inform them that I could not afford to make the 2mos that I was behind in my mortgage they offered me a modification in which they stated that they could put my past due payments on the back end of my loan. I paid $1800 in processing fees for the modification only to find out just recently that they never modified my loan, I continued to make payments as I could and communicated with WAMU reps who had no idea what they are doing. I recently asked for another modification because the rep assured me that it would possibly save my home I submitted paperwork in 11/08 its now Jan 2009 and they keep telling me the same old thing their still processing my paperwork in the mean time we have received a forclosure notice and are planning to vacate these people won't give you a straight answer they just want you to continue sending them $$$$ with the intentions of taking your home. Wamu is scamming decent hard working people and there is no one to hold them accountable!

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DavidYuba City, CA

Reviewed Jan. 24, 2009

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

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FernandoOrlando, FL

Reviewed Jan. 24, 2009

(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.

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MyunghaClaremont, CA

Reviewed Jan. 24, 2009

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. However, even after a few days on our Wamu website, it only showed that there is a "Temporary hold(s) on previous deposit(s) and funds never became available for our use. 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. Then we waited until Thursday. We could have deposited another check for the same amount, but if the previous checks DO clear and the new checks clear also, my mom-in-law's bank account would be overdrawn, so we just followed the wamu call center representative's words. 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. Today morning at 10:35AM, I called Wamu call center again, and I got connected to a supervisor. Her name was Jen May. Then she finally told me that our checks, the ones we were waiting to be cleared, were actually mailed back to us on Jan 14th and 15th. 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. I told her that there is sufficient proof and I have the evidence of the calls I have made. And I told her that Wamu needs to take responsibility for the action of its employees, and Ms. May just said there is nothing that she can do. 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.

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BlancaConcord, CA

Reviewed Jan. 23, 2009

WAMU took $21,000.00 from my Home Equity Loan. I filed an Affidavit within the bank in November 2008(Case # 208 12 11 4990) and they said that my claim for reimbursement will not be honored because I reported the fraud more than 60 days of the statement date.

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ChrisMeriden, CT

Reviewed Jan. 23, 2009

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) - welcome to the good old USA.

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JoanneAustin, TX

Reviewed Jan. 22, 2009

Like many people I've seen on the internet, Chase Bank is screwing me, too. I have seen so many people posting the same thing- they make charges, then Chase goes back and puts the bigger charges through so that there will be a ton of overdraft fees. I don't overdraw often, but one month, I had 9 overdraft fees because my account showed that everything had gone through, and then Chase went into my account and put a $550 charge through before the other charges, which created 10 overdrafts. I understand overdrawing is my mistake, and I wouldn't have minded paying the fee for one overdraft. They did it to me again this past weekend, and now I have over $200 in overdraft fees. I made charges on Thursday and then one big one came out of my bank on Monday. They went BACK in time apparently, and posted the large charge before the smaller ones, so that way they get all the overdraft fees. Isn't this illegal? It should be. Didn't Bank One get sued for this back in the late 90s?

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BernadetteLos Angeles, CA

Reviewed Jan. 22, 2009

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.

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KirstinPort Orchard, WA

Reviewed Jan. 22, 2009

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

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

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SeanBurtonsville, MD

Reviewed Jan. 21, 2009

Twice I deposited cash money into this locations ATM and both times CCB took the money out of my account. I even made sure the camera saw me put it in. Now I have to wait 10 business days for my cash deposit that CCB stole. I will cancel my account and bank somewhere else. DO NOT DEPOSIT CASH INTO THS ATM!!!!!

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CathySavannah, GA

Reviewed Jan. 21, 2009

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.

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ValerieKelso, WA

Reviewed Jan. 21, 2009

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.

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WeniatySan Diego, CA

Reviewed Jan. 19, 2009

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.com), 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 (item RC1500). 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 (Note: IF (only if) I selected a wrong item in the first screen, in this second screen, I would see the wrong item name again). 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? (item RC1284) that I did not want. Since I could not change the order online (order #612103), 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.

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JoannSpokane, WA

Reviewed Jan. 19, 2009

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.

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SaraVelma, OK

Reviewed Jan. 19, 2009

We have been looking at foreclosed home that JP Morgan Chase owns, its was to go to sheriffs auction on the 14th of Jan. but for some reason it did not. I contacted the attorney handling the case he told me to get in touch wit hwho ever owned it, which is Jp Morgan Chase, so i was on the phone for over 4 hours just trying get someone to talk to me about this home. I finally got a number for the person that is in charge of this case and i have left her numerous messages she will not return one single phone call. I have tried several other Chase Mortgage offices and they act like don't have time for me, or they direct me to their website in which i have been on numerous times that piece of property is not listed on there. You know thats pretty bad when theres thousands of foreclosed homes in the US and here I am trying to purchase one and have the money and can't get the time of day.

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KimMebane, NC

Reviewed Jan. 17, 2009

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.

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JackKissimmee, FL

Reviewed Jan. 17, 2009

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.

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JalyneJamaica, NY

Reviewed Jan. 16, 2009

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 THE 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 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

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RobertBerkeley, CA

Reviewed Jan. 16, 2009

Borrowed nothing; cost $500.

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KarenKennesaw, GA

Reviewed Jan. 15, 2009

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

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KimberlyInglewood, CA

Reviewed Jan. 15, 2009

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..

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DebbiePuyallup, WA

Reviewed Jan. 14, 2009

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 the hell is wrong with this picture Get out of WAMU while you still can. Their are plenty of other financial instituions to choose from.

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TerryBlairsville, GA

Reviewed Jan. 13, 2009

Received our current statement and our rate jumped from 12.99% to 23.99%.

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LisaCitrus Heights, CA

Reviewed Jan. 12, 2009

I have had my phone number for 8 years. For the past 3 years I get continuing phone calls from Chase bank looking for someone I do not know. Every single time I tell them that this person is not at my number and I do not know him. They ALWAYS say we will take the number out of our database BUT guess what - two days later the calls start again they call weekday evenings a 9pm, they call SUnday mornings at 7am they call alll day loong at least 5 times a week - HELP. What more can I do?

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JeffGarland, TX

Reviewed Jan. 11, 2009

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.

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LucilaOxnard, CA

Reviewed Jan. 11, 2009

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.

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KimberlyWoodbury, CT

Reviewed Jan. 10, 2009

I took a loan out with Chase in July 2007. I have made the payments on time until June of 2008, when I had knee surgery. I fell behind and had been communicating with Chase about the when the next payment was going to be made and have been making the payments before the 30 days is up. I received a phone call from a very rude Loan officer wanting to know about the payment, I stated to him as well as the others that had called that the payment would be made before the 16th of the month. He proceeded to tell me that this is a sub prime loan to give me chance to rebuild my credit, I stated that i understood that, but that I have also been communicating with Chase since my knee surgery to let them know about the next payment. He stated in a very arrogant and superior matter that he was the Loan Officer on the the account and he makes the decision on whether the loan continues or not. I was to say the least very mad. He stated that he better see the payment by the 16th or he will take care of it himself. I feel that I have been treated unfairly and very rude by this Loan Officer. I have communicated and continuing make my car payments with the hopes to catch up soon.

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ReneeWest Palm Beach, FL

Reviewed Jan. 10, 2009

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.

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TedAtlantis, FL

Reviewed Jan. 10, 2009

I simply cannot accept the fact that JP Morgan/Chase has decided to punish me, a taxpayer, right after our government sponsored bailout plan which gave them $25 billion to improve their balance sheets and help keep our economy running.

I have three cards with balances of $3K to $5K each. Because of my excellent credit, I was offered a low fixed rate from 3.99 to 5.99 for the life of the loans, provided I made monthly payments on time. I have never been late and always paid more than the minimum. Now, they have broken the contract, changed the agreements, increased minimum monthly payments, charged a monthly service fee and effectively changed the interest rate to approximately 7.5%... I'm concerned that the effect of the TARP program is clearly helping Wall Street and punishing Main Street...Was that the intention? I think not. Since our government is now in the banking business. All of us should step up, speak out, and insist that these predatory and punishing practices be stopped immediately. I struggle to meet my expenses and I honor my commitments. JPM/Chase, now a government sponsored entity, must be held to that same standard of responsibility. They must honor their commitment to their customers, the taxpayers. If this situation is allowed to persist, it will destroy the American consumer, the credit system, and ultimately, the trust that we, as American citizens, have placed in our government.

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KathleenOakdale, CA

Reviewed Jan. 9, 2009

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

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TerriSanta Clara, CA

Reviewed Jan. 9, 2009

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!

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NoraOrlando, FL

Reviewed Jan. 9, 2009

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 Eddie 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 at the number indicated above, I would greatly appreciate it.

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LeoMontclair, NJ

Reviewed Jan. 8, 2009

I have been a Wamu customer for over 3 years, not sure exactly how long, i just know a LONG enough time. 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:

http://www.qchek.com/our_services.asp 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! Be it 1$ or $1,000. 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. Seeing as WAMU is more about making money than keeping their customers happy. Either way how can they get away with this? What else can i do? SHould i go to the BBB? Even if 1 out of 10 people do not see these charges WAMU stands to make ALOT OF MONEY from this THEFT. 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.

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MaureenMilwaukee, WI

Reviewed Jan. 7, 2009

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

This is very troubling to us as we have four children, are college educated, and have been working extremely hard to even make ends meet, and are at our witsâ€™ end. Our trouble began after losing over 6-figures income from three bad clients in a 10-month period, causing us to declare Chapter 13 bankruptcy last year. This helped temporarily, but whatâ€™s negatively magnified our situation even more is the exhorbent rate of 10.5% we have been paying for nearly three years and are still paying - this despite the Federal Reserve dropping rates, over $12 Billion in Federal â€œBail Outâ€? monies, and Chaseâ€™s own current 30-year rate being 5-6%

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KellyOak Park, IL

Reviewed Jan. 7, 2009

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!

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LauraTempe, AZ

Reviewed Jan. 7, 2009

Rollover/Transfer paperwork was filled out and sent to Chase to transfer HSA balance to another HSA provider 10/26/2008 and they never transfered the funds.

When called, Chase refused to transfer the balance claiming that the account number provided by the new HSA company is invalid. I have had to escalate this through my new HSA company and have no access to my HSA monies to cover any medical expenses I have until this is resolved. Chase is holding my funds hostage and giving me the run around. What is really anoying is that they have transfered others accounts at my company, just not mine and we all have the same type of account number for our new accounts. It's taken several phone calls just to find out I have no power to make them transfer the funds, I have to rely on the new HSA company and hope that they can help me.

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KharymmRialto, CA

Reviewed Jan. 7, 2009

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!!!!

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KurtLand O Lakes, FL

Reviewed Jan. 6, 2009

WAMU has refused to aknowledge my flood insurance, which has been adequate for over 2 years, and remains adequate even with their new higher coverage equirements. I have faxed the dec. page to them twice and my agent has faxed it to them twice.

today, I received my statement, 2 weeks prior to the autodraft and WAMU is going to charge me 350.62/month for forced placed insurance. $3506 for the year: TEN times what I paid AAA for my current flood insurance. The WAMU loan is an equity line. The main mortgage is also with WAMU and there is no mention of any problem with flood insurance on the first mortgage statement, only withe the WAMU equity line. Both loans are listed on the policy declarations page.

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TammyGreen, OH

Reviewed Jan. 6, 2009

I sent in modification papers towards the end of September 2008. I called several times in October and they had received the paperwork October 1st. I called back in November and our file had been assigned to a negotiator the first part of November. I had my husband call today Jan. 5, 2009 and they told him the file was just assigned to a negotiator Dec 18, 2008! I called them back and talked to Kimberly and explained the situation and because there wasn't any notes in their system, which I know there were because everytime I spoke with someone they said they were putting notes in the system and I could hear them typing. I told her again that our file was assigned to a negotiator and how would I know that they were called a negotiator if I hadn't been told that our file was assigned to a negotiator. She continued to repeat that there wasn't any notes and our file had been assigned in December! Finally I told her I hadn't made Novembers payment and Decembers payment and I'm not making Janurary or Feburary payments until I hear back from them about the modification. In my case, I don't care what the outcome is because I will just file bankruptcy and in 2 - 3 years buy another house when the housing market is good again. I'm not thrilled about having a $1700 house payment for a $800 / month house. For first time home buyers the banks, the mortgage experts, the middle men all got what they wanted - MONEY - and didn't care if people had roofs over their heads for their children. I work hard every day as does my husband and we deserve to own our home but it's not going to be like the way that WaMu wants it. I don't want to pack my family and my belongings up and move and start over that's the last thing that anybody wants to do so I am giving WaMu 2 more weeks to let me know their answer before I do pack up. It's not fair to the hard working middle class home buyers that didn't know what to research when they bought their homes they just trusted the experts! So I got nowhere with WaMu and she said that I should hear from them by Monday the 12th and I guess I will have to wait and see what they have to say. You would think they would want to work with homeowners by lowering their payments - they still get their money and the homeowners have money to pay their debts and maybe spend a little to boost this economy. I guess WaMu / Chase wants to own all of their houses and then go out of business like the rest of the banks that have failed because they won't have any cash flow when the right number of homeowners walk away from their homes!

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TatianaFalls Church, VA

Reviewed Jan. 5, 2009

they do have the nastiest staff members, they are rude and don't care about your situation, all they like is the money. i hate them.

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MaryClementon, NJ

Reviewed Jan. 5, 2009

What a joke. After receiving a notice in the mail from Chase Bank that because I haven't used my card for a while, they closed my account. There was no prior notice nor was I give any opportunity to fix it, my account was closed. I called the company and got a robot, I mean spoke with a 'supervisor' who repeated that there was nothing they could do, it's closed. This conversation went on for about a half hour with the bottom line being that there wouldn't be absolutely any way this account would be reopened, but instead he invited me to apply for another card. As for the closed account, it will remain closed. I always want to add that I have excellent credit and work very hard to dodge these credit companys scammish bullits meaning I'm on the phone all the time fighting with these companies to do their job right. I asked them how they could possibly close my accout, someone with good credit, then ask the government for a bailout where I, as a tax payer, have to pay off. I got a long winded speach about how they are a good company and it wasn't their fault.

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ThomasShoreline, WA

Reviewed Jan. 5, 2009

Deposited my severance 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 CFO - Tom Casey - 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?

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JohnWinter Springs, FL

Reviewed Jan. 4, 2009

When I opened my HELOC with Washington Mutual for $100,000, their computer could not handle six digits so they input the line for $99,999.99 and told me not to worry about it. I had not used the line at all and began getting threatening letters saying I owed them $0.01, that’s right a penny. I called them and they again told me not to worry about it and apologized. The problem is that they reported it to the credit bureau and it is still showing as a delinquent payment. I would like to enter this in a stupid bank contest.

To add insult to injury they lowered my HELOC from $100,000 to $10,700 in violation of Reg Z, The Truth in Lending Act, Reg B, The Fair Housing Act, and yes they used unfair and deceptive practices. They used a bogus fly by appraisal, which was almost $100,000 less than recent comparable sales in my small neighborhood within the previous two months. There is a reason why they went belly up and the new owner is no better.

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MichaelGarland, TX

Reviewed Jan. 3, 2009

I have been charged excessive overdraft fees on my Chase Bank checking account. The fees stem from debit card transactions. When the debit card is presented for payment at a retail establishment and sufficient funds are available in the Chase Bank account the transaction is approved. The problem is that the transaction does not settle for several days in the Chase Bank Account. When items do settle each day, Chase rearranges the transactions so that the largest item settles first followed by the next highest (i.e., from largest to smallest). If an item settles on the same day as the transaction described in the first paragraph which is larger (i.e., settles first) which overdraws the account then Chase will assess an NSF fee on the transaction in the first paragraph (that when presented at the retail establishment was approved because funds were available at that time).

I have been hit the hardest after bank holidays and weekends where numerous debit card transactions are approved over the weekend/holiday (i.e., sufficient funds available and therefore transactions are approved) but on a subsequent business day when the transactions settle in my checking account a large draft such as an automatic EFT set up to pay a credit card etc (i.e., EFT is set up to clear on the business day - Not over the weekend or holiday) settles on the same day as the debit card transactions. If the EFT is the largest item it settles first (regardless if all debit card transactions were approved in previous days). If the EFT transaction overdraws the account then Chase charges an NSF fee for every debit card transaction over the weekend or Holiday. Each fee is approx $35 and can add up to several hundred dollars.

My complaint is that if a debit card transaction is approved for payment because sufficient funds are in the bank account at the time the debit card is presented at a retail establishment, etc, then once approved funds in the Chase Bank account should be earmarked or restricted to pay for the approved transaction. For people who live pay check to pay check and bank balances can drop close to zero it is extremely difficult to keep up with the manner transactions settle in a Chase bank account. The funds charged are extremely excessive. If transactions settled lowest to highest, normally there would only be one NSF fee opposed to numerous fees charged. Someone needs to challenge Chase on this. It makes no sense to me that you can use your debit card one day when sufficient funds are available only to get charged a fee for insufficient funds several days later on that transaction.

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MichaelRochester, NY

Reviewed Jan. 2, 2009

First, important of note, I do NOT have an actual account with Chase. I get unemployment through an account through Chase. I get it regularly as I get paid unemployment in down time from my job as a school bus driver.

I get checks from my boss as a DJ through personal checks. His account is through Chase Bank. As I do not have an account anywhere, I have to cash it at a Chase location. (My ex made an account in my name with my info and made it overdrawn. This put me into check systems.) Anyhow, they charge me $5 for EACH CHECK! This has to be illegal as it's out of THEIR BANK! I don't know of any banks that do this other than Chase. I could understand if it was out of another bank and me trying to cash it at Chase, but that is plain ridiculous.

I signed up for Netflix using my Chase Card. Because Chase didn't switch my zip code, I had to try more than once with Netflix. All they do is check to see if funds are there. FIVE TIMES it came out of my account! For a total of about $80! Chase did their best to NOT help me. From under trained customer service people to MANAGER Idella (ID number **) being more rude than I have EVER had service, ANYWHERE. This includes the DMV AND Wal Mart!

They told me I could get info from Netflix to get it taken off of my account. Then when I called with it, they gave me the runaround and said that Netflix had to fax this info. Then told me I couldn't have the fax number to just give them. Which would have been easier than arguing. THEN made Netflix call on a line that only accepts customers of Chase (one that needed my CC# and pin) THEN told Netflix to call a different number for that fax number that I was told would be made available when Netflix called the main line. They even gave Netflix a hard time when we made the 3 way call to Chase.

BANK ELSEWHERE!!!! CHASE is nothing but criminal. Currently, Netflix is sending a fax with the cancellation of the FIVE charges. Of course Chase took it out within SECONDS of getting it and it'll take 1-3 business days to put it back. CRIMINALS!

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BogdanLong Island City, NY

Reviewed Jan. 2, 2009

I have never experienced such abject indifference and rudeness to customer service dealing with any other bank or business in my entire life. I went to use one of their atms where supposedly the atm scans your check and automatically processes it. First time the atm said it could not read my check and returned it so I tried again the second time the atm said it could not read my check and didn't return it. I went to the branch manager who told me it wasn't her problem. That I needed to call the phone number next to the atm. Furious, I called the number and was put on hold for NO JOKE 30 minutes after the robot kept telling me that they were experiencing high call volume and should call back another time.

Eventually when I got through to a person they were one of the rudest people that I've ever had to deal with and seemed almost ticked off that I had the nerve to call. She asked me for the exact amount of the check, which I told her was approximately a thousand dollars but was unsure of the exact amount as I work different hours every week and it changes so I had not looked at the exact amount before stupidly shoving it into the black hole that is Chase atm machines. She told me that they needed to know because they would look for the exact check so I ran to my car to root around for the pay stub which I found and told her the exact amount. Afterwards she said WITH AN ATTITUDE that the amount would be credited to my account within 24 hours until they resolved everything.

THAT WAS almost 4 days ago!!! I've called daily and it seems every person I speak to doesn't know their ** from their elbow and no one seems to know what happened to my check. I didn't receive a claim number and just got off the phone with a women in India who told me that she doesn't see a record of anything but that their system is updating. GOD HELP ME if tomorrow when I go to the branch if no one knows what happened to my check I'm going to go there with the cops and make a scene, call them and say that I have a dispute with a business owner and they have to show up. I recommend anyone who has a problem with this bank do the same. Get their business ID number and complain to the Consumer Affairs department, Better Business Bureau and attorney general's office.

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ScottRio Rancho, NM

Reviewed Jan. 2, 2009

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's still 12/30, late evening, and I tried to log in to their website, but could not because 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 certain they do it on purpose and with or without proof would win in jury trial. However, I am not interested in that, just PISSED and wanted to tell people about it. 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.

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RaymondSan Diego, CA

Reviewed Dec. 30, 2008

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 THE NUMBERS AND THEY ARE THE WASHINGTON MUTUAL COLLECTIONS PEOPLE. THEY CALL AS EARLIER AS 8 A.M. AND DON'T STOP CALLING UNTIL LATE. FOLLOWING ARE THE NUMBERS THEY HAVE CALLED FROM: (321) 549-3042//(402)220-4353//(201)267-9017//(303)481-0027//(412)595-9025//

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SandraCambridge, MA

Reviewed Dec. 30, 2008

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

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

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GeorgeWashington, DC

Reviewed Dec. 29, 2008

I agree with most of above complaints. Lets just take it that the chase credit card services who ever they are offered by are the worst in the world. Back to me- By mistake i used my credit card instead of my atm card to withdraw money and i realised it later when i checked it onilne. I called them to change the color of my card and they said i will get it in 4-6 weeks. After waiting for that period, i called again and now someone else said that it is not possible!! why wasnt i told before. Also they charged transaction charge and finance charge which i wasnt informed when i called him. On top of it, this was the primary card i am using and they cant change the design!!! i have similar experience with buy.com chase credit card. they cant find out how much balance i have on my card now as buy.com is not affiliated with chase!!!! then why do u give them authority to put the name on credit card.

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ScottWatsonville, CA

Reviewed Dec. 29, 2008

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.

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JerryManteca, CA

Reviewed Dec. 28, 2008

In september I wrote wamu stating that I was not going to be able to make oct. or nov. payment. They responded that ther was nothing thay could do. get this,becouse I was currant! OK I know how to fix that. due to changes at work and some high vet and doctor bills / five doller a gallon gas plus I had to pay back a personal loan to a relitive before the end of the year I havent made a payment in three months and january doesn't look good. I get calls from wamu everyday from different locations. the left hand doesn't know what the rihgt hand is doing. all the phone people just ask the some questions but have no answers. I owe twice as much as my house is worth 09 is going to tank even worse, I can't wait 15 years to break even. I can rent a house like mine for half what wamu wants/if im not building any equity aren't i just renting. Ican save about 17000.oo a year renting some where else. wamu can't scare me with threats. Iwish that they would make me an offer to modify just cuz I'd hate to pack all this stuff/but to get out of this mess and save 15,000 a year yea i'll move

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AnitaCenterville, OH

Reviewed Dec. 28, 2008

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.

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SamanthaLos Angeles, CA

Reviewed Dec. 26, 2008

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. It's insanity and must be stopped by the attorney general.

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TomBensenville, IL

Reviewed Dec. 26, 2008

I will tell you this I started my longer journey to get a better mortgage

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SydneCoeur D' Alene, ID

Reviewed Dec. 26, 2008

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.

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LorenaSanta Barbara, CA

Reviewed Dec. 24, 2008

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 Johnson) 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 Johnson) 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.

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DouglasEncino, CA

Reviewed Dec. 24, 2008

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.

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Chase Bank Company Information

Company Name:: Chase
Year Founded:: 1799
Address:: 270 Park Ave
City:: New York
State/Province:: NY
Postal Code:: 10017
Country:: United States
Website:: www.chase.com

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