Chase Bank Reviews

I recently found out that this credit company went under and I am scared that they will practice this unfair process again. I have been a card holder since 2004 and have not had this problem before. I do not want them to try to tack on a late fee for something that I had no control over. I am hoping that you can help resolve this matter and request of them to send back the actual form where I hand wrote the amount of my payment. Not allowing them to send a statement that they drummed up. I know that my statement had $36.00 as the minimum due by the 16th and therefore sent $50.00 just to send a little extra. They would not take into account of my previous history of payments. Karry had the nerve to tell me of the charges on the account. I told her that I always use my card and then I pay it off and it should not be thrown in my face. I am planning on again paying this card off soon as possible and then I will not do business with them again. Please help me in this matter.

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

I called WaMu's customer service number, and was informed that there was nothing that could be done about it until the account was brought current, an amount of $251. Well, having just made a payment, I didn't have more to give, so I had to just let it ride. This has been going on with me being pushed over-limit each month, and I have been making the insane minimum payments, always on-time. I made a half payment of only $70 on a $129 minimum payment due. I lost my job due to the economy and layoffs, and simply didn't have more. The payment was made on October 1st, on time, but it was not enough.

On October 2nd, I received a phone call, telling me I was late on my payment of $59. I explained to the man on the other end of my situation, how I had paid a partial amount, and that I couldn't afford anymore at this time, and he said he understood. He then asked me if I could make a payment on a specific date of $59. I told him no, and we left it at that.

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

For nearly three weeks now they have been doing this, calling 5-10 times a day, always from different numbers, some local, some in other parts of the US, sometimes from an 800 number. I have answered many times and told them each time the same answer, but to no avail. They still call back the next day. I'm starting to recognize the numbers now!! At what point does it become "harassment"? Bullying me isn't helping me pay my past due balance. I understand that I am past due, but I can't pay what I don't have. When I have it, I will pay it, just as I have all year long. The balance on the card is now at nearly $5500, when it was only $8 overlimit on the 1st of September.

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

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

I am now in the middle of disputes with the end payees, as they are sending me to collections for the amounts due. I feel I do not owe the amounts, as Chase withdrew the funds from my account and should take care of paying back the individuals. However, Chase refuses to provide me with any proof that the money was returned back to the payees. I am now stuck in the middle trying to resolve an issue between two parties with no ability to do so. I need guidance as to my rights and whether it is worthwhile to hire a lawyer in order to escalate my issue.

I called the credit card department and asked if the money could be wire transferred. The answer was no, I asked if I could just have it put back into my account. They said in about fifteen days. Note: I call to see if that transaction had been implemented and it had not. This was the seventh day. I went to several WAMU Banks to no AVAIL. I retrieved 500 dollars of the $800.00 owed me thru a Teller transaction with no envelope and my account was closed by the fraud department, and they still owe me. Question if they can charge me for holding their money in excess, why can't I and if I cannot take money from them and deprive them of the use of their funds, how can they do it to me? Is there a DOUBLE STANDARD OR what?

I checked my checking account and found that the 4 purchases made on the 1st, posted 10/2/08 as well as the check paid to my landlord. I had a talk with a bank rep on 10/3/08 regarding the situation that took place at 1am when I checked my account. I was told that the purchases and check were not posted until 4 or 5am and that why I did not see purchases at 1am. I told him then it would not be fair for me to get charged if at 1am I had a fund close to $1600.00 to cover all the purchases and the check as well. He then talked to his manager and she informed that since no fee posted at that time therefore she could do anything until the fee actually came.

I came back next day which was Saturday, 10/4/08, and neither the Rep nor the manager was there and the fee for the bounces totaled in amount of $175.00. I came back Monday and met the Rep and had a brief talk. A few minutes later, he brought back another Rep named Lore ** and told me that she could not do anything to reverse the fee since the policy of Chase was to pay the larger amount first then the small ones. I told her about the situation at 1am on 10/03/08 when my direct deposit came and I had no bounces or overdrawns. She told me the purchases would not be posted until 4 or 5am therefore I would not see and bounces.

I told her wouldn't it be unfair for me to be charged for fee when at that time my fund was sufficient enough to cover all the charges included the check. She told me that the bank has no control since everything dealt with electronics. And they do not recognize what came first and just paid what is large. She told me she could not refund the fee because I had about $260 in fee reversed since Feb. 2008. I told her most of the fee reversed due to error of Chase but she refused to investigate and stick to her nonsense policy that Chase would pay the large amount first and then small.

With such policy, Chase stole my money in the form of bounce fee under my nose without any resistance. She became sarcastic, rude when I told her I would take my business to Chase's competitors and saying the other banks would do the same thing like Chase. I told her my complaint was legitimate and she would not do to resolve and willing to let me go as a long time customer (3yrs). I told her to give me Chase corporate number to complain and she gave me a local number and when I called that Rep said she would stick to Lore's decision. I am no fool. Sound like this Rep and Lore conspired the story when I called. They covered their bases pretty good.

BTW Lore told me that Chase was doing a good deed for me to pay my rent check so I do not have to be bounced and that would nice of Chase to do that. I told her that I do not need Chase do such deed since doing that Chase caused me to bounce the other four purchases and incurred bounced fees. I told her that all four purchases came in when I had enough fund for them, therefore they would be considered as bounced and they should be paid based on the time I made purchase. Push come to shove, I would be liable for the check only if all of those purchases paid according to the time they were made. Lore would not budged and refused to reverse the fee.

I think that is very, very unfair when Chase was holding my money to put aside to pay for the four purchases and then the check came they disregarded the money held to be paid for the others and paid for it first and caused more bounces on the other and more fees imposed. Instead of Chase making only $35 fee on the check that supposed to be bounced, they fraudulently paid the check first and the other 4 purchases after which caused more additional fees for them to gain. No wonder an article from MSNBC stated that Chase is notorious for making about $2 billions in bounced fee from last year.

Let's make the story short. I think Chase has been unfairly treating me and stole my money fraudulently by the so-called doing the good deed for its customer by not bouncing the check with large amount and paid for it which resulted in lack of fund when posting the other purchases of which there was fund to cover those mentioned purchases from the beginning. I believed I do not need Chase to do such a deed for which I didn't ask for. Just let me deal with the bounced check and paid for the consequences. I worked for my hard-earned money and Chase came in and took it with such a nonsense policy. I am going to close my account with Chase today and will never come back to them or recommend my friends or relatives to Chase.

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

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

Today is October 15th and I still haven't heard from Washington Mutual. Even though the man I spoke with said he would contact me Monday (Columbus Day), I have not heard from him or anyone. I have called 3-4 times per day and can never seem to speak with a live person. I enter all the required information and now of all things they are sending me to some Department called REO. It is just prompts after prompts but know way to speak with customer service.

I am frustrated that help is not on the way. The received all my personal information but have done nothing to assist me in saving my house. I really don't know what to do at this point. A foreclosure will certainly ruin my credit. I have one more child to assist with college and it appears a parent plus loan won't be happening for her like I was able to do for her sister. WAMU stinks and so does big government that allows this to happen. The reason I got behind is because I suffer from Occupational Depression. It has been difficult for me most of the year. I am now at a state where I can at least manage my affairs. Dealing with WAMU would send anyone over the edge... again. I want to keep the property but there is no way to express that to WAMU because they ain't listening.

I asked for merchant contact info. since I have NO IDEA who they are. She gave my two numbers, one is no longer in service & the other is satellite parts company called Merrimac Industries. The company taking my money is Merrimac Lease Coll...? I have no idea who they are!! They managed to take money from my corporate account for a non-profit outreach that I run in Sacramento. Without these funds, I will lose my lease. I have ran this outreach out of my pocket for the past several years, I just got my non-profit status & now I'm looking at having to close my doors because the bank will not refund the fraudulent charges! The withdrawls amount to $2,655.96 from the Horses, Hope & Healing account not including any charges the bank is taking for overdraft fees. I run a non-profit outreach (I privately fund) I will lose my lease if this is not resolved very soon!

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

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

Not only are they violating the law by harassing me for being 4 days past due but they released information about my account to someone who is not even on my account. They need to be held accountable for the stupid people, the hire and don't train. It is no wonder that they are failing as a company. Their employees are stupid and obviously cant read and understand the law.

So I've been waiting to hear. Never did. Today - what?? More fraudulent charges!! I'm convinced that their security for their customers’ money is not that great. I called and spoke with some manager that didn't seem to have a clue about why I am upset. Maybe he doesn't mind constantly having his hard earned money taken from his bank account time after time. Maybe he wouldn't be mad at the bank he banks with if this kept happening to him. I do mind!

And forget about calling the claims department to ask for help. You won't get it. They can barely give you any info on the fraudulent transactions. As I told the manager, I found out way more about the fraudulent charges just by googling than the claims department was able to find out. So now here I sit, yet another cancelled debit card and no way to get some money unless I walk into a branch. The branches, by the way are closed today so I really really hope I can make it home on the gas I have in my car right now. I was going to use my debit card to fill up my tank before going home from work today but since I have no access to MY money because Washington Mutual can't seem to protect it AT ALL, I guess I won't be getting any gas.

This is just horrible. Three times this happens and Wamu can't tell me anything!!! I asked the manager, “So basically, I have to sit on the phone with you guys once again for at least 30 minutes to report the claim and then just wait for it to happen all over again?” His answer was, “Sorry, but basically yes.” Nice customer service, Wamu!! Real nice.

They said that they would investigate and they noticed that huge amount is not a pattern that I have and the good thing is my card is paid off and I can take a cash advance at 19%. I told them that I want my money back in my account, they told me that it would be 5-7 business days but could take up to one month. This all comes at a horrible time for me because of everything that we lost from the storm and I was making my payments not being late or asking for help and they have all my money. My car is being in jeopardy of being taken because I may not be able to. So now I am waiting on to see what is going to happen, I am not getting any assistance with Washington Mutual to get my money back.

I think they did something to the system to make the selection moved to full payment so that I would have to take a cash advance at a higher interest rate.

I made a regular payment for $400 on the last week of Sept. It was made electronically via computer, as I make every payment. On Oct 10, our bank called to say my account has been frozen. Why? Because I am more than $2,000 overdrawn due to a $2,300 electronic payment to WAMU made Oct 08. Outraged, I called their so-called off shore customer service dept, and was told that someone MADE THIS PAYMENT OVER THE PHONE ON THIS ACCOUNT LAST WEDNESDAY and authorized the payment. I pointed out that 1) I do not make payments over the phone. I use the computer and 2) how idiotic and pointless it would have been to pay them over two grand when I only had 180.00 left in my bank and 3) my account was current with a payment made the previous week. We had no major purchases to be made, were scrimping until payday, and I had just made a very sufficient payment of 400 to WAMU just the week before.

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

My second attempt to resolve the issue did not turn any good: I went to the JPMorgan Chase Bank, N.A. Hudson Street, Branch 000243. Manager ** and customer service representative ** acted very unconfident and unsupportive. I feel sorry I ever walked there! First, I was advised to go to my branch. Second, I was told that I personally presented the same check # ** for deposit second time and that's why it was returned as insufficient fund. I found that offensive! I emailed Chase with this issue and guess what, I was told to contact my Personal Banker, Mr. ** at the Midwood Branch, for resolution. This person was not longer working there for a long time...

After talking to another representative, I finally get to the branch manager **. She tried to work it out, but the resolution was: IT IS THE UNFCU ERROR and I need to encourage them to investigate. I contact the issuer of that check again, handed her Chase resolution letter and ask her to contact the UNFCU again. She added my email address into her correspondence with the UNFCU bank and the last email from 10.09.08 states: "We continue to wait for a response from Chase. As we discussed, these funds are not at UNFCU and since Chase presented the check twice, they need to complete the investigation. We continue to correspond with Chase in order to have them resolve this issue. Julia **, Member Service Representative III UNFCU." I feel like I am being kicked back and front. It's been two and a half month since, and I am not sure what to do next ...

I also made the second purchase on the Oct 9th on the assumption that my money of $14.79 was still in the acct. This is why I could not understand why the bank chose to withdraw money that I had set on a certain day to withdraw. The Manager Barb ** was very unprofessional by saying in a cocky way, "Both withdrawals will come out of your acct" no matter what I said. I ask to speak to someone else and she stated and I quote, "We are not able to transfer to another manager within the department. It's against the company policy. It is the code of conduct and company policy." I want to know as a customer who have been with this company for 3 yrs. and I cannot speak to someone who can resolve my problems that was created by the bank in the first place or do not dump the company problems on me about changes and money emergency. I have never had this to happen as long as I been paying my bills online.

I use auto payments for all my bill payments, either through Chase or that company's website. As a result, one of my Chase credit card payments did not clear and being a Chase checking account customer. This payment should have been cleared against my negative balance. My payment is now $500 a month from $200 a month because although I have never had any problems with this credit card, I was told when I contacted Chase credit card services that they did not have to do anything to help return my account into good standing by Mr. Phillip **. And was also told no one else was available to offer any assistance.

In my almost 15 years with Chase, I have never asked them for any assist due to a problem nor have I defaulted on any payments. So much so the initial customer service rep stated that since I have been a good customer that the manager should not have a problem giving me a one time courtesy. However, she had to have the manager call me back because one was not available. I am extremely disappointed with Chase and now understand that I am truly just a number. I have stayed loyal to Chase even when I heard all the negative complaints from my associates.

On the third day of the 7-day free trial I called to cancel the membership due to their deceptive advertising. Doba.com claimed the lowest wholesale prices which is entirely false and they charged my credit card on the second day into the trial. When I called Doba, they said that they cannot cancel the membership and they will not issue a refund. So I filed a chargeback, sent in all the papers to WaMu, and now WaMu says they have no records of the papers I sent to them and it is now past the deadline and nothing can or will be done about the charge. I said, "Fine, I will close my account and never look back."

Doba and WaMu both are thieves and liars ripping off their customers and have the worst customer services imaginable.

Finally routed (after 15 min and multiple attempts) to the disputed charge claims department (after being told I could have the direct number in case of being disconnected but then being told the number was not releasable) I spoke with Helene and proceeded to tell her that I wanted to dispute a charge on my account for the $50.00 in question. While on the phone with her, the automated survey called me and left a voice mail thereby preventing me from engaging in their survey.

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

From what I understand, this is referred to as universal default when a credit company raises your rate based on something that doesn't even involve their company. I feel that I lived up to my contract with WaMu and they shouldn't be able to raise my rate. But apparently because of deregulating the credit industry (thank you Clinton), the credit card companies can do whatever they want and there is nothing the consumer can do but to pay off the whole principal at once. This is unfair lending practices to raise rates on ALREADY EXISTING BALANCES when payments have been made on time. The government needs to make it illegal to raise rates when the consumer is not in default on EXISTING BALANCES.

After several conversations with clerks at the bank in person and on the phone my money is not back in the account and remains a pending post. I spoke with Grace on 9/27/08 and she contacted the banks customer service dispute dept, however the first woman said it would take up to 6 months she hung up, the second woman said that it could take up to 5-7 days before the pending post dropped off.

Then I called on 9/29 spoke with Pamela she said 1-3 business days (9/26 1st business day, 9/29 2nd business day, 9/30 3rd day). I thought this was because Kipp canceled my debit card instead of my credit card as requested. However I had by card reactivated and had no problems until recently. And I was also able to make another purchase right after this happened on 9/26/08 with no problems. I feel as I have been treated with disrepect and did not receive the funds back in a timely manner nor was I given correct information to resolve this my self. Thank you

Duress and time consuming not to mention the embrassment in the retail outlet store when my purchase was declined.

What about the high cost of processing a check? I was told that that is all done electronically! Whadya mean? The check comes out of the enveloppe electronically? Oh yes, we have machines that open the enveloppes and pull out the checks. And that is cheaper to maintain than a phone?

No wonder the banks are in trouble.

I went on to the other location. The box I went to empty was not unlocked but all of the contents were removed. I reported this to the police. I contacted the FBI who initially said they would look into it... but refused to return my calls or provide any explanation. Items removed were both personal items and important ones. I had been involved in a lawsuit. The safe deposit box lady repeated that it was impossible for the box to have been opened if I had both keys. I had both keys. Then she said she thought I must have left it open last time I had been there (months prior). The manager when he finally returned my call stonewalled that as far as he was concerned it was impossible. I spoke to someone at the regional office and the fraud department. No one had an explanation or offered any help.

Some of the items were jewelry which were valuable peices. Other items were documents and documentation relating to a lawsuit. In addition to the above items were photographs which were also taken... family photos. I feel thouroughly intimidated.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Other creditors are using this information to raise my rates.

When I contacted them to request removal of the fees they refused. Even after I expressed to them that this was going to cause me to be short on my rent. They did not care. I have been a customer of their's for over 20 years. In addition, I found out that if you have direct deposit you are not assessed a fee.

However, they have been charging me $5 a month for the last 4 years! I only found out about it becasue a bank manager looked at my account and told me about it! I requested a reversal of those fees thorugh customer service and was referred to a customer realtions representative because they could not authorize it.

This has caused a big strain on my pocketbook as I am living paycheck to paycheck in this time of inflation.

All transactions started bouncing and had an overdraft of around three hundred dollars, I really suffered serious embarrassment. I was in the middle of my home improvement projects working on my roof, basement, driveway, and pave walkways. I called the customer service number to find out what happened. The representative stated my home equity line was decreased due to declining home values.

I was referred to LSI for reappraisal. I never bothered because I know I will be wasting my precious time. Now they want me to fax copies of the returned checks for reconsideration but the fax number is non-functioning. Now Im stock, I just dont know what to do as I really need the money

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

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

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

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

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

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

I went to the bank and was told I'd have to settle it through a letter or e-mail. The branch manager wasn't allowed to help in these matters anymore because they were giving away the farm. I sent several e-mail back and forth to the bank over the course of a week. Finally the bank refunded half of the charges. I forgot about two checks being out to my doctor's office totalling 50.00. I contacted the doctor's office and was told I needed to call the bank and ask them to hold onto the checks until money could go into the account. I contacted the bank and requested that. No response and here came more overdraft charges. Now I had a charge for 4.94 and was short 1.11 and I put 4.00 in the bank.

A few days later a charge for 11.00 came through from America Online. Instead of the bank refusing the charge like they did before, the paid the charge and then charged my two 35.00 overdraft fees. They acted like the charge for AOL came through first and overdrafted the account and that wasn't so. If there was an overdraft fee, it should have only been one.

We are disabled and on a low income. Having mutiple overdraft fees financially cripples us. It has caused us to run out of food this month and have absolutely no money. The bank doesn't care and just constantly says it's all my fault.

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

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

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

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

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

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

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

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

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

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

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

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

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

shortage of funds, making bills unpayable on that date.

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

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

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

Hundreds of dollars in overdraft fees.

Time and money

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

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

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

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

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

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

Do you have any authority to deal with WAMU? If not PLEASE suggest appropriate authority like FDIC? As a minimum, I request these charges be reversed. MANY THANKS for your attention to this! Electronic theft in form of unannounced exessive fees.

At 85 I'm frail and this huge dent in my budget caused my service-related disability of VERTIGO to intensify and cause emotional harm to my health

They also asked if I had the original agreement, I didn't. I asked if they did. They did, but they couldn't release it to me. Why? I had my name on the bank accounts. Next, I found out, by simply talking to one of the teller's (God bless his honest heart) that my parent's saving account was making O.5% per year. We raised it to 1.5%. When I took the time to find the branch manager to commend the young man....she was less than pleased.

Then, on another statement, I found a $35.00 charge for the $1,000 back up funds that originally were supposed to be a part of the checking account agreement. I called and talked to someone who said, That is standard procedure, a letter to you went out in the mail. A supervisor told me that they had attached the fee and that I had received notice in the mail. She assured me it was a once a year fee. I asked her why I would pay that when there was more in a savings account. Well, apparently, I hadn't received the information in the mail, she explained, but that was the new policy.

I must have missed more in the mail, because the WaMu credit card statement didn't come one month and I didn't remember to pay it. There was a $40.00 fee for the late payment, but they wouldn't raise the interest rate. I was upset about now getting that statement. I talked to people in the Phillipines. It was as though I was talking to a wall. I persisted and was connected to Texas to the Vice-President of I don't know what. I explained the situation. Credit card history for years, never missed a payment, now one missed and could he please not charge me the $40.00. Sure, no problem. Guess what? On the next statement the $40.00 was deducted from the account...and then added on again.

I had a lot going on, so I didn't pursue it. The calls had taken over an hour and a half and I didn't have the time or patience to do the ridiculous twisted dance again. I have not yet had the time to go back through my parents records to access the damages, but I did ask a WaMu phone representative for the records. Well, they just didn't keep them back that far. This bank is useless...and going down so they are stealing from their depositors. Class action would be my recommendation, but then we still won't get the money back.

This has happened over 20 times. They debit my account in the wrong order to get the maximum overdraft fees. I have caught them several times but now they will not tell me the time my debits actually come in. I even questioned a supervisor about it and accused them of deliberately doing this in an effort to make money from the NSF fees. How do I prove this and how do I file a complaint.

My account has been charged over $1000.00 in NSF fees.

On my last call, I was told I wrote two checks on the same day, for the same amount with the same check number. I asked for a copy of the checks. I recieved a letter stating they were unable to comply with my request and the matter was closed.

The two thousand dollars is still on my charge acount. They are charging me 32.99% interest which has accumulated over six hundred dollars.

I am paying an interest of around $20 every month instead of $9 which I used to pay earlier.

Here is what WAMU did after being a customer for a few years. Over $36 they dropped my credit line to $60 over my current balance (this way any fees they charge would send me over the limit so they could charge me another fee). Their collection calls started immediately which so upset me I told them I had initiated a balance transfer that should be there in 7-10 days. Yet they call 4 or 5 times a day even though I told them they are not getting a penny from me before that balance transfer goes through. They've already charged me a late fee so I basically told them they can wait. I tried sending email to their help from my personal email account but the emails bounce back to me as undeliverable. I sent information through their internal online mail system and they sent a reply to my regular email account that indicated I had a reply in my online account. Went to my online account but they had locked me out of it.

They control this system so I do not want my communication occuring through their system. They say they do it to protect my privacy. They do it because they have control over the system. I have never been treated so poorly by a credit card company all over $36. Oh and by the way when I called them to ask why my credit line was dropped they told me that my bill went from 36 to 161. Let's assume for a second I was someone who couldn't pay. If a person couldn't pay $36 they sure as heck are not going to be able to pay $161. I recognized this immediately and it was what set me off. I knew exactly what they were doing and why they were doing it and it made me not want to deal with them at all. I have already shifted my checking account. This credit card account is closed and they have lost any future business from me or anyone else I can talk out of doing business with them.

My credit score has dropped 36 points but it is no big deal because this will be paid off quickly and I will never deal with them again.

$1000 in NSF and overdraft fees.

This is a shameful practice, and will likely equate to a linear relationship between WAMUs plummeting stock prices and the amount of remaining customers. There is little to go WooHoo about at WAMU!

Neither customer service rep could tell me what their criteria is for lowering interest rates; in fact, I was disconnected by Les, probably because he didnt know what to tell me. Making minimum payments each month in excess of $150 is a hardship. I want to keep my good credit rating, but they make it very difficult to do. The media tells you to contact your creditors to see if they are willing to work with you, but WAMU is the worst. Obviously they'd rather you filed bankruptcy than try to obtain their money

This will not happen, because according to the above named, my account is now closed. And I thought I was doing the responsible action by paying my account off, in full. FYI- 2 of the above couldn't, or wouldn't, give me the president's of the banks name.

I have to pay a higher rate for credit, so everything costs me more.

The next month the direct deposit did not go into the new account so I contacted Social Security myself about the direct deposit into the new account and they said they had no information on it. I gave them the new information for the SS to go into the new account for the next month. The direct deposit for the next month did not get deposited into the new account again so I contacted SS again and was told they had no information on the new account. I went thru giving them the same info all over again and finally the direct deposit started going into the new account the following month.

The coupon stated the direct deposit needed to be started within 60 days. By the time Social Security got the correct info. for the direct deposit the 60 days had already passed. Now Chase will not honor the $125.00 coupon because it took more than 60 days for the direct deposit to begin. I feel the bank employee did this on purpose and the bank is scamming people to get their business and not honoring the coupons they send out. If the bank employee had not told me everything was all set I would have contacted Social Security myself and gave them the information for the direct deposit in the first place so that this wouldn't have happened.

My sister is on a fixed income and could have use that extra $125.00 badly. I have contacted Chase customer service about this and they say there is nothing they can do as I need to go to the manager of the bank. I went to the manager of the bank and he says since the direct deposit did not occur within the 60 days that I am out of luck. I feel they are training their employees to screw something up when they supposidely do the direct deposit for you so that it does not start within 60 days so that they won't have to honor the coupon. I am so mad and upset and feel I have been scammed by Chase Bank. They should not be allowed to get away with this. Their coupons are just a ploy to get customers.

The other property is now in forclosure because the sale could not proceed with WAMU having this BOGUS lein.

I contacted LA Fitness and was totally clueless as to how they obtained my new MC number ending in order to charge my account. I had authorized them to charge my old MC but NEVER my new account. The Accounting Office at LA Fitness informed me that WAMU automatically updated them with my new MC number. I NEVER AUTHORIZED WAMU TO GIVE OUT ANY OF MY ACCOUNT INFORMATION TO ANYONE! I filed a claim number after being on hold for a total of 57 minutes. When I did not receive my credit or anything in the mail, as the agent informed me I called again. This time to be on hold for 44 minutes. The new agent informs me that the claim was denied and that is why I did not receive my credit.

A temporary credit is supposed to be issued until the matter is investigated and I should be informed of the status since I am expecting and lost $405 dollars! UNDER LAW - not only is WAMU not allowed to give my account number out but I am also filing bankruptcy which LA Fitness is included and they CAN NOT COLLECT FUNDS WHEN I FILED BANKRUPTCY. This information was totally ignored and disregarded and this is after I offered to fax over a copy of my bankruptcy paperwork and offered my lawyers information. This is a total violation of my privacy and rights and this matter needs to be resolved ASAP.

I have already contacted my attorney and CAN NOT AFFORD to have that amount of money tied up because of the lack of response and care in the customer service department and the claims department. I have already spent hours and hours on the phone and STILL the matter is not resolved. There is very poor communication and lack of consistency within the entire customer service department - and that is if you get someone who speaks English and doesn't hang up on you! I will be closing this account once this matter is resolved - if ever!

Overdrawn funds and additional stress

The Insurance company sent me checks in my Name and the Mortgage company name which the mortgage company will not release to me until the work is done. I am a realtor and I have lost everything and not making money. I have $22 in my checking account, my bills are late and I have no money to fix my house because the mortgage company wont release the money to me. I have a 7 year old little boy and I live alone with him. My house needs to be put back together and I can't do it. What can I do

So I call the telephone banker who cannot explain it to me why they would charge $35 and send a check back nsf when there is apparently more than enough money in the bank to cover the check! I checked the account Sept 1 when my husband got paid and there were no holds, no pending payments, nothing. I check the account yesterday (2nd) and they have the $35 nsf charge and a balance of over $2k. I asked the manager on the phone to think logically and tell me if that makes any sense. She agreed it didnt make sense and she was sorry but she couldnt reverse it. So I asked her if they are stealing from their customers because their business is going downhill? Trying to recoup that $1.1 billion loss are we? She gets irrate and tries to tell me we dont have any money. I hung up on her.

This is not the first time. They did the same thing last month and the month before that and the month before that. 3 months ago they actually credited our account $150 for charging us that amount in incorrect overdraft fees. And so it continues. Every time i call and ask them to credit the $35 back they tell me they will. A few days will pass and I will call back and then they will say they cant credit it back because they dont have the authority to do so. They are a fraud.

One time we had over $1k in savings with overdraft protection on our account. A bill goes through and is $5 short in our checking. WAMU dings us $35 instead of honoring our overdraft protection and taking the $5 out of our savings! When we called them about it they said we didnt have the right kind of overdraft protection. WHAT?

We have been charged at least 5 $35 overdraft/nsf charges every month for the past 6 months. This adds up to more than what I pay for Enfmail for my daughter!

Alomst mos. later I am getting overdraft letters on an account that has not been active for more than 2 mos. When you call their 800 you can never speak to a human being and when you click for an operator the call gets cuts off. When you callt he local branch they are very rude put you on hold when you ask to speak to a manager then hang up on you.

I HAVE BEEN CHARGED 3 TIMES FOR OVERDRAFTS.

When trying to buy a home, the inflated interest rate and increased payment skews my Debt-Too-Income ratio making it more difficult to buy a home. Not to mention a higher monthly payment due to the increased interest rate.

I wasn't expecting a big problem with my account, maybe some online banking mistakes, nothing major -- until I'm informed that my debit card has been deactivated and my funds frozen. The teller cannot find a reason why my account has been frozen and connected me to Fraud Management, where I waited on hold for twenty minutes until I got fed up, hung up and redialed customer care again. This second time, a different teller informs me that yes, my account is frozen, and that I should go to Risk Management, not Fraud Management! I was put on hold for another twenty minutes before redialing and demanding to speak to a manager. After five MORE minutes a manager was found, who connected me to a Risk Management manager. The Risk Management manager finally lets me know, fifty minutes after I first called Washington Mutual, that my account is frozen due to multiple deposits made on the same day.

I ask them to reactivate my account. The manager says she can't, that it's marked for closing, but I can go to my local Washington Mutual Bank and withdraw my funds and close the accounts in person. I asked for the name of someone to file a complaint with, and was curtly told that I was already speaking with a manager, and was not given any further information about where to file a complaint. Immediately after this phone conversation I go to my local Washington Mutual bank. I'm a young person of 22, and immediately felt like I wasn't being taken seriously because of my age.

The first teller I spoke to didn't believe that my account was frozen at all, and got his supervisor, an assistant financial manager named Nick, on the job. Instead of introducing himself to me or calling me to him, he WAVED HIS HAND at me in a gesture of beckoning, like I was some kind of puppy. He confirmed my accounts to be frozen, and agreed that my account should not have been flagged as risky, considering I made no withdrawals from my savings account after depositing those multiple checks. When he tried to close my accounts, he informed me that he was unable to close them for another week until the date assigned by Washington Mutual for the liquidation of my account, despite my being told the opposite from Customer Service. He gave me no explanation as to why I couldn't close my own bank account, and no apology for wasting my time.

All of this happened today. I cannot access my money, shut down my account, or do anything with any of my money until Washington Mutual says it's okay for me to do so. I received no email notification of my accounts being frozen, and received a letter three weeks after the fact. I received no apologies from the managers of Customer Service or my local branch bank when I accused them of wasting my time and denying me access to my own accounts. And the crazy thing is, they accepted my deposits and credited them to my account, and a teller noted that my account was in perfectly good standing. So now I'm broke until WaMu says I can do what I want with my money.

I have no access to any of my funds for a month for no reason, and must charge everything on a card until my account is officially closed and I can retrieve my money.

I have contacted the following in order to see that action is taken against banks like Wamu and others that want to penalize customers that are attempting to pay their bills online. If you are also fed up with these policies please contact your local Representatives and NY Representative Carolyn Muloney who has been attempting to get a Credit Card Holders Bill of Rights passed through Congress. I have also been told that the following office is also responsible for oversight of the National banks and welcomes compaints from consumers. Office of the Controller of the Currency Customer Assistance Group

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

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

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

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

one year they removed the account from my credit, and never heard from them again. No all of a sudden I have this Potfolio recovery attaching the det to my credit, re-opened the account in my SSN, and hunting me . They showed up on my credit Aug 28. No numbers to contact them. I contacted Transunion and they supplied the phone number. I called and they said the account is mine, I have to pay, and that washington mutul gave it to them to collect. Have no info about my son and that Washington mutul said i never paid. Again this is my son account, i proved it and washington mutul even excepted that. Why doesn't the law requir prove of SSN on laon or credit cards?

It cost me dollars and many letters to prove my self. Hours off work to get paper work, and many phone calls. Lost low interest loans during that time. Turned down for loan with Chase (my Bank) Once I proved who I was, that my SSN was miss used, they never did proper checks on the SSN and who it belong too. How could credit be opened without my approval while on credit alert, That they made the errors. Once I won was able to dispute and have the bad info removed my credit info. Now Washington Mutul and recovery service going to trash it again. The account is still shows my sons name, and not mine. But re-attached my SSN. This could cost me my job now.

After two weeks in fighting this Wamu sent me a copy of the envelope I used which has 160.00 written on it and a deposit slip that wasnt even mine. Whoever counted my money wrote up a whole other deposit slip signed it and wrote that i only deposited 80. This is totally false. Wamu's customer service rep and manager stated there is nothing more they can do on their end.

I had bounced checks because of this.

This is time-consuming and very stressful.

Unfortunately, the payment that I had put a stop on that I was assured would be stopped, went through. I did not discover THE BANKS mistake for two days. Because of this payment going through, many other transactions were processed with insufficient funds. Since this was a business account, many transactions process daily so the fees piled up quickly. The fees alone, after two days came to over $500.

Once I discovered that Washington Mutual failed to do their job, I contacted them about THEIR mistake. They were very sorry and said it was obviously their fault when they looked back through their records to show that, indeed, they should have not let that payment go through. They then assured me that they would fix THEIR mistake.

Several days had passed and still my account had not been credited, and fees kept piling on. I called again to find out why THEIR mistake had not been corrected and the employee that I spoke with this time had no record of my previous attempt to resolve this issue. At this point I realized that I needed to speak with more competent employees and asked to speak to a supervisor. I then spoke with a supervisor named Eric, and he assured me, as I had been before, that it was THEIR fault and it would be corrected and he would call me back. He was so sure that he could resolve the problem that he gave me his personal business phone number if I had any other questions.

I never heard from him again even after I left him several messages a day. Meanwhile days are passing, and more fees are piling on. The damage that THEIR mistake has caused me financially is bad enough. The business relationships ruined by THEIR mistake is also quite embarrassing. After not hearing back from Eric, I started the process over by calling again. This is when they told me that I should be receiving a letter informing me that there was nothing that they could do to fix THEIR mistake because I did not dispute it within 24 hours. Apparently it was supposed to be my job to make sure that they did theirs correctly.

I spoke with supervisor after supervisor, all of which admitted that it was THEIR FAULT initially, but because I didn't check to make sure that they did their job, there was nothing that they could do.

Now the damage totaled over $3,000.00. As you can imagine, this has snowballed into more bills that I was unable to pay. All of this happened 4 months ago and I have been trying to deal with it. A week ago, a woman from a local branch, Shandra, called me to ask why my account was over drawn for so long. I then told her this entire story and she said that she would get it fixed because as far as she could see, just like everyone else, it was entirely THEIR fault. Shandra then had Cami call me to tell me that they would be putting $2300 plus some of the fees that had now totaled $1700 back into my account within the week. The day my account was to be credited arrived. I checked it, it had not been credited.

I called the following day to speak with Cami. She informed me that she was still in the process of ironing everything out with someone named Paul. Two days after my account was to be credited, Cami called to inform me that there was nothing they could do to fix the problem that they created. To date I am out over $4000 because of a problem that Washington Mutual refuses to take responsibility for.

I feel like this is some sort of scam that they can run on people because if you don't make sure that they do their job correctly, then you get in BIG trouble for it. I have since lost my business due in large part to THEIR mistake. I wish I knew in my job description that it was my job to make sure a large bank such as Washington Mutual did theirs correctly and ethically.

Seven work days later, I called to see if there was a problem, only to find that another card has never been ordered. I'm sorry, we can't do that, we would have had to have talked to your daughter and not you. No one told me this. And, as added information, I am a signor and guarantor on her account, as she was 18 when we opened it. They don't know who told me that, but he was wrong.

So, we had to start all over again with ordering her a card. Now we're in to the third week of my daughter being unable to withdraw cash or purchase items. Do they train these people at all? It is amazing to me the incompetence and blase attitude toward their customers. Not once, was I told, we are so sorry for the inconvenience.

Last year, the strip on my card had become worn. I was on vacation, and had ordered a new card prior to leaving town. I said, DO NOT VOID MY PRESENT CARD, AS I AM GOING ON VACATION AND NEED IT FOR RENTAL CARS, HOTELS, ETC. SHE ASSURED ME THEY WOULD NOT. I simply needed a newer card. I get to the airport, give the rental car company my card, and it had been cancelled.

My elderly father had to come to the airport; pay for my rental car, and in the process I had to withdraw large amounts of cash from my parent's bank to cover expenses my useless card normally would have taken care of. What is it with these people? I can see why this bank is in such trouble. I have yet to talk to anyone who knows what they are doing, or speaks correct English. I will be changing banks shortly.

When I told my mom, she called the right away regarding the issue. She was told that they would take care of it. During which time my bank froze my bank accounts and I have $400 fees on top of the negative bank balance I had to bring current in order for them to not close my bank accounts. We have been waiting for a letter from Chase for a week now and no luck. My mom spoke with them again 2 days ago and she was told that by law they only have to try to get ahold of her once and they have the right to refuse the check since they didnt reach her by phone. They also told her that they do not have to reimburse me for me bank fees that were caused do to them refusing the check.

Since Chase has not written the letter and said that they dont have to pay me back the bank fees, we are losing our vehicle - due to the whole situation. Is there anything we can do legally against them? If you were to look at the check my mom wrote to me, it is her signature no doubt about it. Why can they do this. They have literally turned my life upside down these last 2 weeks.

this one came today. i was happy, for a while. I went online and they said my pin was invalid. called and they said my pin was not the same as the one i chose in the store. and that they were sending it in the same mail my other card was stolen from.

then i noticed the envelope it came in was not marked chevy chase and this confused the guy on the phone. he asked if there was chevy chase printed anywhere on the envelope, and said hmm... just monitor your account and if anything happens the security department would notify me if any suspicious activity happens. if a large amount is taken (i only have 100), or if it's taken out outside my area and some other precautions. So i asked if my money dissapears will i get it back. he replied after an investigation.

Now what i'm worried about is if the first card never made it through the mail and was activated, but not used what does that mean? Someone in the process of it getting to me has intercepted the card, my account number (chevy chase sent me checks with my account number on it), and they would've had my pin had i not chosen it at the bank. So knowing that and the fact my card came in an envelope that only had a p.o.box number on it from omaha nebraska could someone have duplicated my card put it into this envelope sent it to me and now waiting to intercept the pin# through the mail? I asked if i could just go to the branch and chose it. they said i could change it but i need the pin# thats in the mail!

Now my card is activated because i didn't know the pin was changed and I activated it. I don't know what'll happen if someone takes my money when i'll get it back because i just started this job and need that 100 to buy gas and food until i get paid. should i wait until the pin gets here if it will at all? If i cancel this one and wait for the next one it'll be the same circumstances. why can't i recieve the card in the mail or have it mailed to my branch and then at the branch select my pin then and there?

I hope someone doesn't have a duplicate and it's stressing me out because i planned on putting all my money in there as i make it. I don't want someone else having access when my account reaches a certain level. i don't know if i'm being paranoid but i can't wait for an investigation if someone gets my money before i change the pin when it comes in the mail. Please advise thank you.

The next day I went into the branch and talked to an assistant to the manager and she said it was identity theft and that I need to close my cking acct., and open another one because; I have direct deposit of my pay check. I did not want to do it, but she pushed me into it saying that she would make sure the DD would be put into the new cking acct and the old acct would be closed. Nothing like that happened; first of all the DD went into my "old" account, then the funds that I had set up to be withdrawn to pay bills in the new didn't get any money, so again I was over-drawn in the new acct,

in the meantime someone had money withdrawn again from my old acct, leaving me with no money AGAIN and also over drawn. they couldn't understand why I was upset, and told me it was my fault! I now have a collection agency calling me day & night wanting me to pay for something that could have been avoided if their branch employees and Chase bank were on the same page over $1,000.00. at the time this all happened, they were in the middle of re-vamping everything from Bank One to JPMorgan Chase Bank. Because of all of this I am now in financial ruin!

For 4 months I had no money to pay my bills and now I'm so far behind that they have collection agencies calling me too. when you make very little and something like this happens it destroys your credit rating, and I can't get a new checking account so I have to rely on others to help me out! I will never work with this bank again! Oh and they did debit my accts for overdrawn charges, but after a couple of the charges were paid back they refused to help me anymore stating that I had too many OD and they wouldn't help me anymore.

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

After making my first payment on the account I called to hear balance information and the recording said my account was closed. After speaking with a customer service rep I was told that my card was about to expire so they reviewed my qualifications for the card and I no longer qualified.

My husband and I both have A paper credit scores and have never had an account closed by the creditor.

I will never give Chase my business again. They have ruined my FICO score. And have not been able to give me a reason why.

By closing my account (without a reason why) Chase has diminished my credit capacity which decreases my FICO score which has widespread implications. I will never do business with Chase again!

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

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

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

So I proceed to start with drawing money out of the account and carrying the payments up to the bank and in the month of July made 3 payments. In the mist of me making the payments Chase started to cash all the checks they claimed they did not received. 2 out of the 3 checks came back insufficient funds. Check 495 actually went through. On a closer look at check number 495 I notice some in the bank changed the date on my check from 4/21/08 to 7/24/08. It seems to me like they were trying to cover up some form of a mistake they had made or they were trying to pocket the cash I gave 7/25/08.

I have made several attempts to get this matter straighten out with the bank but have not success to no avail. I felt all effort to resolve this matter with the bank had come to an end when I went to the branch Manager. I tried to explain to her it seemed someone was holding my checks or misplaced them at her bank. Her response She could hold my checks and not cash them out for as long as she wants. I just need to learn to leave the money in the account.

I have occured about $525.00 in overdraft fees from Bank of America and Chase is still saying I owe them money.

I had to accept the $5 charge.

The added problem was that the reps at the various companies kept telling me different information, so every time I called I would be told different things. The reps would not only contradict the other companies but also contradict reps at their own company and also contradict me when I tried to correct the misinformation. Because there is no direct communication between research and customer service, and there is no visible record of transactions that both can see, the notes on these accounts got confused by reps putting down the wrong notes.

Until this is resolved, I have 9000.00 debt added to one card which is not subtracted from the receiving card. This has increased my debt and will harm my credit rating. I also had to borrow the money to pay off the debt due first, and have to wait on the money to be refunded, which nobody claims to have, until I can pay the debts that I borrowed from. I have asked both companies not to charge me interest or fees for these transactions.

The supervisor got on the phone, very rude, and repeated what Carlos had told me, that they didn't have my fax and there's nothing they could do. I said how could you not have gotten my fax yet? It takes a minute to go through, not five days. He told me to fax it again, and there's nothing he could do. A day later, after I faxed the promisary note the second time, I called the 800 number again. They said they still hadn't gotten my promisary note. I asked for a corporate number this time, and conveniantly, the lady I spoke with had no idea what I was talking about. I hung up with her and called the local branch of the bank where I took the loan out, and asked for a corporate number. No one knew it.

I called the 800 number again, and was transferred to a manager. I was upset by this point, school started in two days, and I still didn't have my money. I asked this lady, Mary, where it was. She told me that there's processes involved, and that it was going to take another week before I got my money. I explained to her that I had already waited a week, faxed the promisary note TWICE now, and that I needed my money before school started. I explained that without this money, I couldn't register for classes, therefore I couldn't go to school to get a job to pay the money back. She was angry with me and told me that there's processes, and there's nothing she could do. I told her that I was not notified of their processes, and that I have good credit and could've easily gone to another bank for this loan.

I was told I would have this money in 3-5 days, and now school was starting and I had no money. Once again, I asked for a corporate number. Of course, she didn't know it. I was fed up with the 800 numbers. I was not getting any answers out of anyone, so I looked online and got the President of Chase Bank. I called his office and spoke with a woman named Elizabeth. She told me to fax the promisary note, again, and that she would speed up the process for me.

In the meantime, my father had to give me his mortgage payment to pay for tuition. He should not have had to do that. My money should have long been here by now. I still haven't received my loan, or any word even on where my loan is at. I have no idea when I will be receiving it. Now he is behind 1700 dollars because of the banks negligence. If I don't get this money shortly, he could lose his house.

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

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

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

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

No one was helpful at all. We had purchased another home in another state. They harrassed us daily with phone calls and even had a women to come to our home with papers that wasn't dress profession nor did she have any information like a business number, contact information on her letter. This was a red flag. We paid what we could but we had another mortgage and we didn't want our renters to be homeless.

To make a long story short they started Fore Closure on the Virginia property on the home July 8, 2008. We request a copy of our promissary note and it had the previous lender. We requested a agreement with WAMU and US. We sent certified mail and even the green card signture card. We even gotten a letter stating we were trying to commit fruad. We couldn't believe this. We sent the law firm that was handling our fore closure that letter we sent to WAMU.

To make a long story short our renter went to the outside court sale and our house wasn't auction when they said. Two weeks later our renters got a note on the door telling them they had to move. I told them don't since WAMU didn't give us proof they even owned the note. I found a article on them from BLOOMBURG that WAMU had gotten property from other banks and then once a customers gets two payments behind they go into foreclosure.

I have disputed the information on my credit report. Our renters are still in our house in Virginia since we haven't gotten anything from WAMU about or the Law Office telling us the home was sold and we sent the so called new owners a letter asking for proof they purchased the home and we gotten nothing. Please do research on WAMU and look into the Article written by BLOOMBERG. WAMU had foreclosed oun properties that they din't even have ownership off!!!

We consistently struggled to make our payments hoping and upcoming job promotion would make life a little easier. In October I was laid off by my company causing a huge impact to our finances. I immediately contacted Washington Mutual to advise of the situation and was informed that since my husband is primary on the loan, I could not seek any assistance from the company unless he lost his job.

By December 2007 we exhausted all possible financial means and were not able to make the payment. The only offer of assistance Washington Mutual would make was for us to pay the past due amount in full or make a payment and a half each month. My repeated pleas that if I could afford a payment and a half I would have never fallen behind fell on many a deaf ear.

In February 2008 we started the process to do a loan modification. In April 2008 it was still unassigned and we were getting multiple letters from their attorney regarding foreclosure and a date of auction. I had to get an attorney to send them a letter to get the auction postponed until they completed their work on the modification request.

In April 2008 I was finally able to obtain a full time job and reported my new income to Washington Mutual immediately. Then came the letter stating we were denied for the modification due to insufficient income. As it turns out, they did not include my new salary and I had to start the modification request process all over again! When they finally came back, we had a payment that was even higher regardless of the fact that I am now making significantly less per year (about 20-25k).

They did however do us a huge favor by dropping our interest rate from 10% to a whopping 9.8%...in their exact words we cut you a huge deal on your interest rate. Upon talking to them and our attorney, the only option was to sign or lose the house...so we made the decision to sign. Unfortunately all attempts to work with Washington Mutual since have been a complete waste of time. They clearly stated they will not do another modification, they will not offer any other assistance and they have no intention of utilizing the new bill passed by President Bush even though we are extremely top heavy on our loan. Now, Washington Mutual has put us in the position where our only option is to declare bankruptcy and lose everything we worked so very hard for. What a nightmare!

Have to pay exorbidently more than we charged... Not to mention all the fees they tack on... This should be illegal, and I am so mad.....

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

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

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

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

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

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

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

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

On aug 20th I agreed to make the phone payment of $130.00 and then asked to speak to a supervsior about reversing the charges that sent my account overlimit. I was told that they could only reverse one of the $39.00 charges. I was so frustrated trying to deal with these people. Their account rep and their supervisor were very hard to understand for they both spoke with accents. In the middle of all this I am trying to deal with flooding in my neighborhood from TS FAY. These people have no customer service etiquette what so ever. This would have never been an issue if I would have recieved 1 phone call or 1 letter telling me I did not make the correct payment. I would have corrected this mistake immediately.

When I mentioned this to the supervisor I was told they have millions of customers and they can not keep track of all of this kind of error or they would never get their payments posted? But They can waste paper to send threat letters and they can pay someone to make threat phones calls? I can assure you I will be paying off this credit card ASAP and i will be letting anyone I know that they should not do business with WAMU.

Few months later, guess who is the vendor at my company? Chase. One of the Chase managers from a local branch that is scheduled to open corner me. She tried to solicit me to join the bank. I told her about my experience. The manager explained they had heard a lot of complaints from employees at my company on the day we all received live checks and they were working aggressively to fix the customer service issues at the banks. As incentive, the manager said, For your inconvenience we would like to deposit $50 in your account. The $50 is from Chase saying how sorry we are. It seemed nice, but I remember from my earlier incident on how I felt at the bank and refused. Glad I did because they got me again.

About a year later we had another payroll issue where I got another live check. Went to Chase again since they said they were sorry and all. Chase refused again. This time I had my mother with me who had retired from a bank that was much larger than Chase. My mother explained at her bank as long as you went to one of their branches they would cash your check. The manager at the Chase bank said this is their rules and they would not cash my check. So, we leave a deposit the check in my bank. A week and a half later the check still hasn't cleared. I called my bank to find out why and my bank says they are having an issue with Chase turning over funds for the check.

Because of the current issue, I do not have any money to pay my bills. I am not even sure when my money will clear.

About one month ago, they started up again and I had AAA fax another copy to the number I was given. I went into the branch - it was obvious that the manager and his assistant had no knowledge of flood insurance requirements. For 14 years I paid flood insurance according to my mortgage amount and now told WaMu reguires the maximum flood for $250,000. No conversations, no followup from my faxs declaring a paid flood insurance policy. They purchased additional flood ins and removed the money from my bank account.

Since this has happened, I have been researching their claim and the bank does set the flood insurance requirement. In this instance they are requiring maximum insurance for a very small loan. (under 25K) The asst branch manager, and the person in the exec office will not give me the name or contact information for any supervisor. They claim that basically one size fits all customers and there is no discussion.

The asst got so frustrated with my instance on personal service for my needs, she told me that if I didn't like the way WaMu does business, I could pay off the loan and leave the bank. My reply was - gladly, however, unless I keep the loan for 3 years (2010) it will cost me $1000 pre payment penalty. A fact she chooses to ignore.

$1000 pre payment penalty to close the loan. $1300 - 1500 per year for the next two years for flood insurance when my payments could be in the mid $200 range.

Danielle (the first rep. hung up on me) informed me that I have a cut off time of 8:00 PM in order for transfers to be counted for that day. I responded by asking how is that so when I make a transfer from one checking account to another after 8:00 PM to my Chase (checking)Debit card, the funds are immediately made available to make purchases, but not cover my pending transaction which did not occur until between the hours of 12:00 AM - 7:00 AM the next morning.

Danielle's reply was that it's your responsibility to make sure your accounts are covered and to know that the cut off time for Online/Telephone transfer is at 8:00 PM.

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

After 3 years of begging Providian/Washington Mutual to review their records and us completing a 'wrong account' form, Washington Mutual informed me they were taking the account and changing it to his name and putting it on his credit report. That was fine, but they didn't keep his address and phone number. They send his statements to me. I sent the statements back to Washington Mutual more than once and gave them my ex husbands name and phone numbers where he can be reached.

An employee from Washington Mutual calls me every day. I have tried to explain to them the same information over and over but all of them hang up on me. I have tried to explain to them that where my ex husband is concerned I am a Fraud/Identify Theft victim but they hang up on me in the middle of my explanation. What kind of customer service is that?

At this point I determined that my only practical option was to close my account since that would lock me in at my rate prior to the increase. After some thinking I realized that by some great coincidence this action was occuring in the same month that my balance tranfer rate was due to expire. In my mind it seemed more likely that the motive here was to take advantage of the opportunity to maximize their earnings now that the promotional offer had expired. I also realized that closing this account was going to negatively impact my credit score so I decided I needed to find out exactly what was going on.

A short time later I recieved the letter from Wamu that explained there were 2 reasons why my rate was going up. The first being the length of time my account had been opened, but did not mention whether it was too long or too short. The second reason given was the high balance of $3900 on a $5000 credit line. Now it seems to me that these are preposterous excuses for rasing my rate particulalry since the primary reason I have a high balance is because I took advantage of there offer to get a lower rate for balnce transfers. As to the length of time the account was open I could not get any clarification when I contacted customer service.

After explaning this all several times and threatening to contact the Attorney General for the State of NY and the State of Georgia, as well as my own Attorney I finally got the to re-open my account and return my interest to the original rate. I still do not beleive that it was just a coincidence that all this happened at the same time my promotional offer was due to expire and the fact that they caved tells me they do not want this activity examined any further.

I would also like to note that I also beleive that Wamu deliberately attempts to take advantage of their customers by printing one Due Date on the statement but requiring that online payments be processed prior to 4pm on the preceeding business day prior to the due date, without making any effort to clarify that in the paper or electronic versions of the Wamu Card Statement. So if in fact your payment is due on a holiday weekend it would have been neccesary to make a payment on the preceeding Thursday prior to 4pm, again without making any reference to this in the monthly statement.

Given the number of cards that I carry I have often neglected to do all the math neccesary to determine the actual Due Date for the payment and often have had to pay fees for Express Payment or pay a Late Fee. If Wamu, and other banks, are not able to process payments on the Due Date printed on my statement I feel that they should be required to change to printed Due Date. Given that the majority of cardholders now use online payments for most bills the only reason to continue this patern of action seems to be a deliberate attempt to confuse customers and justify rediculously high fees. At the very least they should be required to send out statemens with Due Dates that accurately reflect their expectations at at a minimum and include a big asterisk next to the Due Date that sets forth their policy in writing prior to logging in to make your payment.

I also requested for the Main address for Wamu and she stated that the call was routed to the Philippines, which I couldn't believe. She then hanged up on me. I called back furious the 1800- the same night at 22:00. I spoke to a representative named Jocelyn and requested to speak with the supervisor again. I first asked Jocelyn what was the supervisors name before she transferred the call, and Jocelyn stated that it was Jane . When Jane answered my call, she was very helpful and asked if she could help me with the situation I previously had. I gave her the names of the individuals prior to her and she was unable to identify them. Apparently their names were incorrect.

I am very disgusted with Wamu's representatives lying to me. Yet Jane was very professional and was able to handle and solve my problem with grace and kindness. She is someone that should be handling situations that are important and serious to me or anyone else who encounters problems with their accounts. I would like a response regarding this matter with the service provided to me. What consequences and actions will be taken for those individuals who gave false identification about their names and poor behavior.

A few days later I went to look at my account balance through online banking and saw that the savings account was closed and the money from the check I deposited transferred into the checking account that I closed due to fraudulent activity. I never received a letter regarding my account being closed and received inconsistent information through customer service. A few weeks later I went to use my debit card to take money out of my checking account (I checked my balance prior to going to the atm also through online banking and had money available) and I was unable to get any money out.

When I called the banks customer service I was told that my account was frozen because it was set to close, but they couldn't give many more information than the fact that the account was set to close. I never received any notification that the account was set to close. I then went through weeks of inconsistent information and terrible customer service in regards to receiving accurate information about my account being set to close. I was unable to access my money even after I spoke to the risk management department many times when they told me I could go into a branch and retrieve my money.

Each time I called or went into the bank I got a different excuse for not being allowed to take my money out. Washington mutual closed my account on July 22 and reported me to Chex Systems for fraudulent account activity. I never received a letter stating the account being set to close even though they claim they did. I only know the reason for the account being closed because I received my Chex Systems report.

I went for 3 weeks without being able to access my money, so I was unable to pay any of my bills and accrued late charges on many bills. My credit card even closed my account for late payment. I also was reported to Chex systems and had problems obtaining an account at another bank.

I was finally able to open a new account at Bank of America, but that was only after they went to great lengths to override Chex systems. Because of them reporting me to Chex systems I now will have trouble with anything that requires a financial institutions approval. I also have a negative claim on my credit report and I had been working very hard to improve my credit rating.

WAMU fudged the transactions to make my account appear to be negative when I made every effort to check that my balance would support any purchases I would make that day. I am now responsible for a $35 fee for a negative balance. I would STRONGLY discourage anyone from doing business with WAMU. Their FREE checking is a SCAM!

A few days later WAMU notified me that a transaction did not clear due to the deposit not being cleared and I was charged $35 for NSF. I attempted to call WAMU but there was a 45+ minute wait so I sent an email. I got a canned response of how sorry they were but the check will now take another 5 days to clear. The money had already been withdrawn from my other account for 4 days and the teller even checked the status of this.

WAMU had charged $35 for NSF that should never had happened if they provided the correct and accurate information on the statements and also in-person with the teller.

Today, 8/16/08 I have still yet to receive my debit card or checks in the mail. I again left work to go withdraw some cash. When I get to the teller he asks me for a secondary form of ID, something that has proof of residence. I inform him that I dont just carry around my electric bill or rent bill and dont have time to go home to get it. I offer my voter registration card, drivers license, registration, car payment reciept and a pay stub. None of which they say is good enough! I ask why this is an issue since I have already withdrawn money in the exact same manner. Let alone the fact that Im forced to physically withdraw cash because they havent supplied my debit card within the time frame given. They tell me Im out of luck and I leave.

I then call back and inquire what I would need to cancel my account because Im that upset. The manager informs me that she will make a one time exception considering the circumstances and to please come back asap as the bank is closing in 30mins. I go back. I talk to a new teller and fill her in. She says no problem and begins to enter my withdrawal request into the computer. Everything seems fine, the receipt comes out and she tells me to go to the little machine and enter in the code at the bottom of the receipt and my cash will be in hand! Except that while Im walking over to the machine I hear the guy who originally sent me away empty handed say something quietly to the girl who just helped me.

When I reach the cash machine I enter in the code...nothing happens. The numbers dont even pop up, I turn around to complain and the girl is already walking up to me. She informs me that because I havent supplied the required secondary ID that the system wont release the funds...she says sorry. And Oh by the way! My debit card cannot be activated until I provide this information as well. So even if I go home and my card is in the mail I cannot use it til I walk back into the bank on Monday (which I will again have to leave work for). I am irate at this point as I feel that the matter is not that they CANT give me my money, but that they WONT. MY money is being held for ransom, and for what? What did I do?! And why was this not an issue the first time I withdrew cash?

I am going to call on Monday and be one of the most ****** of people of the day that they hear from...I sincerely wish I never chose WAMU, I only did so cause they portray themselves to be so customer friendly.

I had to go without lunch as I had no money on hand. I cannot drive anywhere as I have no cash to purchase gas. I cannot buy groceries because I have no cash, no card! Im embarassed to ask my friends for money while over 500.00 of mine sits in an account that WAMU simply refuses to give me, for no real reason. I lost over an hour worth of wages due to the trips I had to take back and forth to the bank.

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

Undo stress! Lack of sleep! Credit problems!

After a week of nothing.. if you've ever tried to contact WAMU customer service, you would know that the VRU is created to keep you from talking to anyone live, I finally went into a branch asking for help. Apparently the branches have a hot line and once on the phone, the fraud department tells me they closed the investigation because my card was used a branch where I normally do my banking and that the person used my PIN number, therefore I either gave it to them or I did the transaction myself. So I just had to ask, so your not going to give me my money back?? The reply, not talking to me like that your not!.

That's it! I asked the branch manaer, don't they even look at the camera's?? It's not me and of course it was done at my local branch, it the only branch in town! I have never heard of bank fraud going to a different town, for the benefit of the person who's life has just been turned upside down.

I wrote a letter to the CEO of WAMU, 1 day later, I have heard nothing! I was advised by the branch manager to go to the police, but what exactly can they do.. write down that someone stole my ATM card and soem cash. I really don't think it's on their list of high priorities. By the way, I've been a member of WAMU for over 10 years.

You want consequences, how's this. Naturally, I had items pre set to be deducted for the account, therefore I incurred $300 in NSF fee's to go along with the original $ 400 that was stolen. I had to pay my rent late, incurring more fees and I couldn't pay my child custody lawyer, therefore I had no legal representation when going to court, therefore I lost a huge piece of custody ( I can't go up against a lawyer alone), and now my children are being allowed to move out of state because I could not pay for legal representation.

I told John that if they felt I was not good enough of a customer for my mortage, then I would refinance it with Hunnington-which I will. He didn't seem to care one way or another. Seems like Chase is quite arogant and I won't be making anymore payments to Chase just as soon as I can close the loan with Hunnington.

I was denied services-discriminatory. I am a older person with a disability and felt very insulted and hurt.

However, the worst thing that happened involved my kids. My husband and I thought we would begin teaching them the value of saving money so for holidays and birthdays we gave them a little bit of cash. We took them to our local Chase branch and they each sat at the desk with the teller and filled out paper work, gave her their $50 and we were on our way. My son was very exited. We couldn't wait to see what they earned in interest. WE explained the idea of the more you save, the more you earn.

After a month we went back to make a deposit. My son got his new balance and he had earned about 50 cents. We couldn't get my daughters balance because the computer system went down as she was making her deposit. We got statements the first month but nothing for the next 4 months. My husband went to our local branch to see what was going on and came home with a balance for each of them. They were each $12 DOLLARS LESS than when we started. Somehow, the accounts had mysteriously changed from a youth account to an adult account with a monthly fee of $4.00.

Our fees were refunded to us but then teller said that the interest rate was so low that they would only earn one cent a month if they had a balance of $150 or more. I couldn't believe that in trying to teach my children the value of money and how to use a bank, that we got burned so badly. My daughter is convinced she earns more money by keeping it in her dresser drawer. My son, who was most exited about the savings accounts, was very disappointed. As for Chase, they really don't care.

I want all NSF fees reversed and back in my acount.

On another issue I sent them a letter requesting that they look at a payment paln for me because of a closure of my business and lower income now from the job I am working. I had closed the account that I made the request on awhile back..the response I got back was that they could nto do anything because the account is closed....well from one other account I ahve with them that they worked out a payment arrangement with, it was closed and there was not an issue. It just seems to me that if you as an indivindual contact the credit card companies to workwith them ( which is what every one says you should do) that they find every reason in the world to ignore you, and to put you off. All I am trying to do is to work out something with them and not involve credit counselling services or ather legal aspects.

This is causing me stress, and the fact that they mess up teh addresses or do not change them ahs almost caused me to be late with payments. It is also putting a strain on my marriage in many ways...both mental and physical.

There is a credit of over 200.00 in my account and I have not been able to use these credits. I was not able to pay my bills.

I have a number of problems with this bank, first I ONLY check my balance online or by phone, so I dont know why they keep trying to charge me $2.00 for balance inquiry at an ATM. Second, I have written several letters to the media to investigate their charging practices, so I was surprised when they gave me back $340 (Described as: ATM/POS PROVISIONAL CR) and reimbursed me $102 in fees. There was no explanation why, or letter in the mail. I thought that all my letter writing must have paid off and they credited me this amountwrong! This came up as a reversal one month later. The description was REV ATM/POS PROVISIONAL CR?. I even checked my messages and notifications inboxnothing! I tried to look up what this isnothing! I have never heard of a bank doing this. I knew it was too good to be true (I even said to my wife that I have a feeling this will bite us in the butt later).

Because of OD fees and NSFs along with their reversal (because they never explained themselves) I had an account balance exceeding -$1200I have overdraft protection (with $34 fees for each) up to $700 but they cleared that high jump with room to spare, as long as it was THEIR internal charging, it was OK to go overlimit. All I can say is Im getting out and away from this bank as soon as I can. Their FREE checking is killing me.

I now have stress related anxiety and am financially strapped. I even tried to get a credit card from them...denied. Thanks for nothing.

So I spoke to a manager when it finally went through and he set up a claim. He guaranteed that he'd take the overdraft charges off and that I would be credited the $110 while they investigated. Well...NOT SO! I went into the San Leandro branch and was told that "well you have up to a $500 overdraft limit." I wanted to scream at the girl and ask "Are you that ** stupid. You work in a bank and can't count?" The rent check was for $1700. There was only $1550 in my account (over $200 in overdraft fees at that point). The OD limit is $500? All I got from her was a half hearted "I'm sorry for the inconvenience." The ** you are!

So I called Monday and practically blasted them. I was fuming because now I was wasting the time I should have been working dealing with this! I spoke to a manager again who told me that any refund takes 5 business days to get credited. I told her that was not going to happen and they were going to be credited RIGHT NOW! Well I went around in circles with them and then finally called them Wednesday morning letting them know that I spoke to the FTC and that they were NOT HAPPY and requested I speak to a manager at WaMu before officially getting them involved. This apparently lit a match under their ** and my $110 was refunded that day with all the overdraft fees refunded about 12 hours later. I am closing my accounts this weekend! Good ** riddance!

The time I wasted dealing with this when I should have been working. The stress and 4 days with no sleep caused by the stress of this. I had to cancel my WaMu debit card. Due to an unauthorized charge on my bank account back in May in New Hampshire, I had to close that down. I had NO money to get gas, food, nothing! I take BART into work and couldn't even pay for that! I told them this and they didn't care...same half hearted apology!

By the way, I didn't actually call the FTC. My had to sue a bank a few years back and told me to mention the FTC (Federal Trade Commision...for those who might not know). As soon as I mentioned that I was no longer getting half hearted apologies and started getting my money back in a couple of hours. To those of you reading this who are new customers or thinking of banking at WaMu...DON'T!! TURN AND WALK AWAY...YOU WILL REGRET IT!! They will make fees up (or hell...not even mention them to you) and charge you stupid **...like transferring money from a savings to a checking so many times.

They are charging me $39 a month in overlimit fees and I can't catch up. If I do catch up I'm afraid they may decrease my limit again and it may start all over again. I wrote to Washington Mutual customer service online and asked them to increase my limit and put a hold on my account so that I can not charge any more. I only wanted this to eliminate the overlimit fees. They refused. I have 6 .ofx files that I can email you showing all the charges.

This wouldn't have happened at all if they had not decreased my credit limit TWICE. I feel that Washington Mutual saw that I was working on eliminating thier card and they are taking advantage of my by getting as much money out of me before I can pay it off.

Back in July my same two bills were paid on the same exact date and the bills did not clear until almost a week later. I spoke with a supervisor at washington mutual to try and rectify this problem, and the supervisior said that the it's debited from your account at the same time you make the payments which is a false statment.

It's not the point of the $68.00 dollars, but i don't think that i should of been hit with two over draft fees when my payroll goes in at midnight. This is just not possible. The supervisor states that it's taken out right away. Afterall she did not want to help me at all. I hoping that someone can help me here to solve this very frustrating matter.

I am living off of one salary right now as my husband is on a temporary disablilty and am supporting him and two children, and cannot afford to lose unessecary money. I lost $68.00 for something that i feel was not my fault.

Since he cannot visit in person or see what is really happening, he lost more money than he makes in a month. We hope to have climbed out of this situation and will close the account by the end of this money. This practice is ethically wrong and certainly no way to treat our service personnel.

He has lived for three weeks without money for anything. If he were not in the Air Force, he would not be eating!

Today, while checking recent transactions on the phone, there was a $20 check printing charge. I called customer service and was told that my account did not qualify for free checks and never did. They said that there is no way that they could reverse the charge that the first person told me I would not be charged.

Loss of $20. Loss of confidence in bank. I will be closing all four of my accounts at this bank and moving them elsewhere.

Second Item: My broker unknowingly secured a construction loan for a residential home that I was building. It took nearly 3 months to fund and then every time I needed a draw, the amount of paperwork and legwork needed caused delays to the construction work. I would fulfill their paperwork requirements and they would come up. With something else. Now that we are trying to convert to a conventional mortgage from the construction loan, they have delayed me by another month. the mortgage is for 1/2 of what the property was appraised at by their own appraiser.

My business is unable to restructure debt making my expenses higher. I am unable to bid on construction jobs over what my cash flow can handle which lowers my profit margin and hurts the future of my business because my clients want me to handle every job but I cannot. The house I built now needs to be sold because the process has taken so long and I had to personally fund a significant amount of the construction due to their stall tactics. Now since they will not close the mortgage, I cannot even place the home up for sale. DO NOT DEAL WITH CHASE BANK!!!!

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

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

I discovered the transaction on July 16th and immediately contacted Washington Mutual. They admitted the error was their fault and that they owed me $10,000. Since then I have called them more times then I can count. The second time I called them they told me that thr refund process could be handled more quickly if my ban sent them a letter stating the money had been taken from my account. My bank immediately submitted the letter. Washington Mutual denied receiving the letter for over a week when the bank sent them a second letter. They then stated they had both letters! Still nothing was done to refund my money.

By this time many days had gone by, I had more bills to pay, groceries to buy, and doctors appointments to keep. I called them in tears explaining that I would noe have to pay late charges on my bills and was borrowing money from my children so I could eat. Again, they said they were sorry for my inconvenice but were not responsible for late charges or my having to eat.

It has now been 3 weeks and supposedly my refund is suppose to be on its way--however--a phone call to them this morning confirmed the fact that it still has not been processed. If you are looking for a home loan mortgage company do not look at Washington Mutual--you most certainly will be sorry--they are, in my opinion, the company that can not be trusted.

I have had to borrow money for food and gas and have not been able to pay current bills that are due.

Now every statement they raise my interest rate. I have called them & explained in great detail. I get a lame excuse that there is nothing that they can do. They claim that they are allowed to do that buy federal rules & regulations.

If they keep raising my interest rates very little is going toward the principal most of themoney is going toward the interest which they keep raising.

I was charged $243 balance transfer fee; had I known about the fee or the credit limit WaMu was going to give me, I would NEVER had filled out the on-line questions.

$243 on a credit card I do not want and a service that is a joke.

They (washington mutual), stated that I received the check. I never received diddly squat from them, just alot of headaches, from washington mutual and there staff. I have not been able to pay my bills, and it been real frustrating to deal with them... All they give you is the run-a-round.

Delaying my credit consolidation process.

I contacted WAMU promptly and was told that my $4000 was transferred to savings but the checks hadn't cleared yet, thus dropping my account into overdraft. The overdraft was corrected on the phone and I was informed that the checks should clear at midnight. The following morning I tried using my debit card again and it was again declined. Upon visiting the bank in person, I was told that my envelope that I placed my deposited checks in was empty. The manager on duty found this strange because if it was empty she should have been told this the day before and she had no knowledge of it before reading it on the computer.

After meeting with both on duty managers and hours of speculation and investigation over two days, the best idea that the managers were able to come up with was that the checks were deposited at the Dublin bank and sent down to the Chatsworth (5 hours away) back office to be deposited. At this back office someone probably found the inheritance check, as it was issued from a Canadian lawyer on an American money order, and thought it was strange and tried to bring it to the attention of the manager by leaving the checks on his/her desk. The envelope which was now empty went back in the deposit box for circulation and was then found again and marked empty. This is all speculation.

The managers and said back office have thus far, after 2 days, been unable to locate the checks and no one has any answers as to where the checks might be. After going around and around, I've questioned the managers about their role in this debacle and our next steps. Apparently, I now have to contact each of the people who issued the checks and have them stop payment on each of the checks (a plan I was going to follow through on regardless). Then after they do this, i need to get their receipts because each person will be charged $30 to stop payment and bring it to WAMU who may be able to reimburse those funds (the only thing they are offering to do).

They are claiming no liability for the lost checks and have no idea if the checks will be found. If I am lucky enough to be able to get the checks reissued, I will have a 3 month hold on the inheritance and my roommate's out of the country and I won't get her check for over a month. If I can't get the checks reissued, then I am out the money and Wamu has washed its hands of the situation. They acknowledge their involvement and that the checks were at one point at the branch, but are not taking any responsibility.

Who's to say they won't just keep taking the checks and claiming they can't find them? For the record, I've been a client of WAMU for 11 years and have never gone into overdraft or dropped my accounts below $1000. I have not caused issues with WAMU in the past despite identity fraud among other issues. This is the end of the line for me.

Loss of $6000. Reduced amount available as down payment on house. $120 total in stop payments on checks. To date - 6 hours of investigation time with no resolution.

Unfortunitly,they(WaMu) to my knowledge, did nothing illegal as the current laws are written. It sure is a great way for them to shore up their sagging profits at there card holders expense.It's pure speculation on my part but I imagin that this dramtic rate hike will generate Millions of dollars to their bottom line every month. Just another way we the consumer pay for their poor business/financial practices. When the general public makes a financial mistake. We bear the consequences. When big business makes bad business decisions. They pass along the loss to the consumer.

My family like other families are struggling with this current economy. When I paid my bill in July 75% of what I paid went to paying down what I owe on my card. When I pay my August bill 32% will go towards my balance.

So I left the bank that Friday, and I made some purchases thinking that I had enough money to cover everything that I was buying. No big deal. When I got off work I called the owner of the truck that I wanted to purchase and he told me that I could come by tomorrow(saturday). I said ok, but I had to leave to make it to Jackpot for my fathers birthday party that was scheduled for saturday night. Saturday came around and I went to pay for the auto detail on the car that I had just sold. DECLINED! My card would not work! I embarrasingly asked the man to please re-run it. DECLINED! I thought there must be some type of fraud hold on my card because WAMU put one on my card a few weeks priorn when I was trying to pay for dinner on my birthday at a really nice restaraunt. Highly Embarrasing to say the least, but thats another story.

So i call the bank. There has to be some type of mistake right? The teller informs me that my account is Overdrawn! So here I am Stuck at an auto detail shop WITH NO WAY to PAY for the services. Humiliated at the counter with customers around. I had to borrow money from a friend to pay for it. Why is my account overdrawn? I was informed that they put the money in and then decided to take it ALL out, without ANY type of notification whatsoever. I was told ny a supervisor that there was no way that the teller at the branch would have told me that there wouldnt be a hold put on the check becuase he wouldnt know - basically she was calling me a liar. I told her that I am looking at my AVAILABLE balance right here on this pc of paper and its over 5 grand!

So here I was Sat afternoon, no money. I was unable due to this to attend my fathers birthday party in jackpot NV because I had no money. I called the guy about the truck and he said that he couldnt hold it for me but it was still for sale. So Monday rolls around I call the local branch. The gentleman who helped me answered the phone, and remembered helping me, and remembered the 5,000 being made available. He said he would check into it and call me back. He never called me back. I called them after an hour and a half spent waiting. He told me that their back office placed a hold on the entire amount of the check. (keep in mind this is an OFFICIAL CHECK from ZIONS BANK) and he sent them an email and was waiting to hear back. He said he still had my bumber and would call me back later today.

He never called me back again. So I called there again tuesday morning, left a message to have Jason call me back, the lady who answered informed me that jason would not be in for about 15 minutes, and that they would have him call me. GUESS WHAT? NOT A SINGLE CALL BACK! Back to the truck. It was a really good deal on this truck that I was going to buy. that I really wanted! Guess what? SOLD. A payment made to another bank, Guess what? RETURNED!

I have suffered emotional distress and been humiliated by this bank, been embarrassed by them by not having any money to pay for services, because of this bank I was unable to attend my fathers birthday party,monetarily because I am being subject to returned checks monetarily was getting a really great deal on a truck, now im not I was saving 5-7 grand off of a regular one. I feel sick to my stomach about the way Washington Mutual has treated me.

I called Gift Services and let them know that I had received a reward for $92.00 from Chase and I shouldn't have been charged. They went on to tell me that it was a $92.00 discount, so I contacted Chase and told them that I understood it to mean that I had a $92.00 reward to use. He proceeded to tell me that I received a $92.00 discount on my merchandise. No where in the offer did it state the original price or how much I was saving on each item. I had serveral people read the offer and they all read it to mean the same as I did.

I was told by gift services that I could send the merchandise back for a full refund, but of course I had already opened it and given it away. They didn't change by credit card until more than 6 weeks later. I have called the ND Attorney General, who I know persoanlly, and forwarded him all the information I had received from Chase and Gift Services. I would like to know if anyone else was a victim of this scam.

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

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

On July 14, 2008 I received a mail from WaMU that my checks bounced because these is no funds in my checking account. I went to the branch to complain. I was told that Mr Marquez made a mistake and transfered the $ 3,000 from my checking account to my savings account, Upon reviewing the account we learned that the check I used to pay for my monthly house rental amounting to US $1,500 bounced because of Mr Marquez's mistake. Mr Marquez wrote a letter of apology which I forwarded to my landlord's agent ( the owner of the house lives in NY),

Unfortunately my landlord's agent was furious when my check bounced. He asked that the penalty of $35 for bouncing checks be applied. He also explained that since the check bounced he did not receive the money in time and another $75 for late payment will be charged as stated in my contract, I told him to make the owner write a demand letter which I will take to the bank. On July 19 I received the demand letter from the owner,

On July 25 I brought the letter to the bank and was referred to Eric Millan - their manager. I told him that these penalties amounting to US S110 is because of a bank error and they should pay this. He said he is willing to pay $35 for the bouncing check but will not pay $75 late payment fee. He said that this is my fault and I should have checked my account before issuing checks. I told him that they made an unauthorized transfer of funds from my savings to my checking account which resulted in my checks bouncing and he should not put any blame on me, He then asked me to leave his bank.

Peanalty for bouncing check and late payment amounting to US $ 110 Tarnish my reputation in the community Ruined my friendship with the landlord's agent REceived letters from Wamu threatening to report my bouncing checks to credit bureaus to ruin my credit score

On July 14, 2008 I received a notice from WaMU that my checks bounced because there is insufficient funds in my checking account. I went to the bank to complain. I was informed that$3,000 from my checking to my savings account. Upon reviewing my account, we learned that the check I used to pay for my monthly house rental amounting to US $1,500 bounced because of Mr M.'s mistaked, Mr M. wrote a letter of apology which I then forwarded to the owner of the house,

Unfortunately, my landlord's agent ( the house owner lives in NY) was furious when when my check bounced and demanded that the provision of my contract penalizing bouncing checks amounting to $35 be applied. Because the check bounced and he also did not receive payment in time and the provision of late payment amounting to $75 will also be applied. I asked him to write a demand letter which I will take to the bank. He said he will confer with the owner who lives in NY. The demand letter arrived July 19.

On July 25, 2008 I took my landlord's demand letter to the bank . I was told to bring it up with Eric M. who was their manager, I told him that this penalty of $110 is due to their bank error and they should pay for this, He said he is willing to pay the $35 penalty for the bouncing check but will not pay the late fee, He said I was to blame because I should have checked my account before issuing checks. I told him that they made an unauthorized transfer of funds from my checking account to my saving account which caused my checks to bounce and he should not transfer any blame to me. He then asked me to leave his bank, Iam being penalized for a bouncing check and late fees amounting to US $ 110. My reputation in the community has been tarnished. My friendship with the landlord's agent ended. I received letters from WaMU that they will report my having overdraft charges to my account to the credit report bureaus which will damage my credit score,