Chase Bank Reviews

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,

i reported this to my bank who said that i would have to pick up this problem with the Fraud Prevention department since they were the ones dealing with the problem. I called them and one of the two fees were taken off, but another one remained. I made several calls and e-mailed and threatened, but to no avail. To date this fee is still on my record and my account was written off with my money still not refunded. I spoke to an Olivia - #U252441, who insisted that a check was made out to me but sent to the wrong address. She assured me that the check would arrive at my new address within two weeks. I would be able to then deposit this check back into my account which would put it back into good standing.

The check was supposed to be in the account on Monday 26th Nov. 2007. To date i have not received that check. I spoke to Dave the supervisor on Jan. 3rd 2007 when i made a trip to NJ to visit my local branch. He also assured me to be patient and wait for a check to re-open the account.In March, i spoke to Cherry and Irwin on two different occasions and was advised not to call back on the matter since it takes time! I am highly disgusted with the level of service that i received and in short, this bank ripped me off!!!!

I am unable to write checks, open any new accounts and this is on my credit report, because the account remains closed and in bad standing! I feel like they ruined me!

I requested the infromation from my bank which told me that the information cannot be found due to the number of years that the transaction was processed. I, in my mind think that after all this time of back and forth with Washington Mutual for information to clear this account they know exactly what to ask for. Something unattainable. The request for information started in October of 2004 with a request for a copy of checks presented for payment in September & October of 2004 which I sent and Washington Mutual received at that time they just started making up checks to send copies of, which I did.

So here I am without a fix, a research person at Washington Mutual telling me I,m dumb because I won't listen to her reason. PLEASE HELP.

Economically i have used money that I have not had to purchase information from my bank, send faxes, certified mail, and stamps, and the time consuming hours over the phone, that could have been doing something constructive. Physically I suffer from bi-polar, anxiety. and depression. The stress of the threat to have my home forclosed upon even though I filed bankruptcy to help me keep my home that I raised my children in and now provide housing for my grand children.

WARNING: If you, or chase, bounces a check or debit card, the company can keep on debiting your account. That is chase's reasoning. I also have have payments that have cleared and two days later they are reversed with many many, bank charges. Today, my account with them will be closed. I am going to pay my bills the old fashion way, with money orders or cash. We felt that chase was a good bank to use, unfortunately it was not so. There have been times, where yet, I did write a check, putting the money in the bank the same day, but guess what at least 150.00 in overdraft charges. It is just amazing to me that these banks can get away with this.

At least $1000.00 of dollars in overdraft.

They are preventing me from paying the debt off. They are making me paying more money towards finance charge. They raised my rate from 21% to 31% so that most of my payment can go towards finance charges.

I don't understand why WAMU can't figure this out and is trying to blame all of this on me. It is unbelieveable that a fraud investigator at a bank doesn't realize what is going on. I have spoken with several people from Southwest Airlines over the past month and they all tell me that this is a common scam that identity thieves pull. They have bought five tickets for business select class so that they can change the destination, flight time/ date, and passenger name and make it harder to track who is flying.

I practically handed WAMU the people who were doing this and all they can tell me is that they think I am responsible for it! I have asked to speak to their investigators and their managers and neither will call me back. All they can tell me is that they are denying my claim because the criminals are smarter than WAMU.

So far I am out $1623.50. They are telling me that they are going to take away the temporary credit they gave me because they think I am responsible for the charges. If they do this, it will over draft my account causing me even more financial loss.

On 7/16/08, I made an ATM deposit of $78.76. After making the deposit, the ATM receipt showed that the deposit had been credited and my AVAILABLE and Present Balance were both $139.95. This was an accurate reflection of the transactions on my account including the deposit. Later that afternoon I checked my online account which also reflected both an Available & Present Balance of $139.95. In reliance upon this information provided by Chase, I decided to pay a bill for $60.00 using Chase's online billing option.

On the following day 7/17/08, I was working out of town and again checked my balance by phone (Chase's customer service line) and was told "your account ending in XXXX has a present balance of $37.05, all of which is available for use" (which refelcted my $78.76 deposit, minus my $60 online payment as well as 3 pending charges totaling in the amount of $30.77). Again, relying on the information Chase provided, I made three purchases that day totaling $23.17, one of which was an Debit purchase for $13.07. If my account was overdrawn, these transactions should never have been approved, nor should I have been provided a positive present balance. This again caused me to incur NSF fees on the following day.

Despite the fact that the ATM receipt showed that my deposit had been credited, which I verified online, I was charged NSF fees for two transactions that posted on 7/16. My deposit was finally posted on 7/17, however, the bank processed their $70 fee in advance of other pending transactions, causing me to incur four additional NSF fees ($140). Had the bank not processed the NSF fee first, those transactions would have cleared my account and no further NSF fees would have been issued.

On the morning of 7/17, I contacted Chase customer service who refunded the initial $70 NSF fees after I explained the situation. Had these fees never been charged or had they been credited back that day, the aforementioned situation would never have become an issue. I have yet to get a reasonable explanation as to why the credit was not honored (available balance should mean available balance as stated by a Chase Internet Service Center representative below), and why Chase would process a fee before a transaction. It seems the only reasonable explanation is so Chase can defraud its customers and charge additional fees. I would also like an explanation as to why positive funds were "available" on 7/17/08 when Chase claims my account was overdrawn at the time.

I am seeking a total refund for NSF fees I incurred due to my reliance on the information provided by Chase Bank through its ATM, online services, and customer service phone line & internet service center. I therefore am requesting a refund from Chase in the amount of $140.00.

I have attempted to settle this matter with Chase's online customer support, the local branch manager Emily C., who was extremely rude and hostile, and have repeatedly been told that this was not a banking error and no further charges can be refunded.

I have also made several attempts to contact Emily's District Manager, Karen D., who has not returned any of my calls. I also have a letter from online internet service center that states "Your Available Balance represents the amount of funds that you are currently able to access." Without actually stating such, this, along with the initial refund of $70, admits fault or error on the Bank behalf. This is completely unacceptable and I am surprised that Chase would conduct its business in this manner.

This situation has caused me economic stress, putting strain on my ability to pay other pending bills, possibly causing me to accrue additional late charges on those accounts. I have also incurred an extreme amount of stress over the last week due to trying to resolve these issues, causing headaches and insomnia.

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 am a disabled Vet and this has cost me over $600 and I cannot seem to find a good bank to switch to.

I tried calling to see if they received my letter and are investigating, but the Chase customer care representatives informed that without a loan number they couldn't look that up and the research dept. does not have a telephone number. My mother has advanced Parkinson's disease and dimentia and is not of sound mind to initiate any mortgage loans. She herself is unaware of doing such a thing.

My complaint is with Chase Bank for being non-responsive and not providing proper contact information which would allow me to find out who has done this in my mother's name. Is it identity theft? I don't know. Is it an acquaintance? I don't know. If I had the answers to these questions, I would know how to proceed (e.g. make a police report).

So far, the charges to my mother's account have been $828 on April 30th, 2008 and $726 on June 2nd, 2008.

Just another fee -- usuary. I have always paid my mortgage on time, made additional payments, and never been a burden to WaMu. How many thousands of dollars are they bilking the public for, just to pay off a loan! Unfair.

* Loss of $4.00 and potential loss each time I check my balance at their ATM in future. * Loss of faith in the truthfulness and honesty of Washington Mutual Bank

The next person (actually 11 people later) asked for my confirmation number. I hadn't be given one. He then of course blamed me for not checking to see if there was a number and did nothing for me except to transfer the $500. I thought that as usual, I have to do everyone's work for them on top of my three jobs and was very angry--but I got nowhere.

for the next transfer, I made sure to ask for a confirmation number because the phone representative did not come forth with one. He told me there weren't confirmation numbers. I insisted that he give me some number, any number. He checked with his manager and she told him there was a number but it had a different name, like transaction number or transfer number--who knows--some bank jargon. He was nice and apologized that he didn't know about the number and gave me something. To me that was proof that one hand doesen't know what the other is doing. So I lodged a complaint, asking for simply the fees for the checks that had bounced with the first non-transfer. That was a year ago and I haven't heard a word. I don't expect to, although some representatives tell me that the complaint is still active.

I lost about $100 in bounced check fees, but because of the recent suicide of my step-son, I was an emotional wreck for about a week. When things go wrong, I flash back to how many things went wrong with my step-son. There was quite a bit of agony (and still is, but for other reasons). All I want is an apology and the bounced check fees reimbursed.

So on Sun the 13th, I realized I had no money when I went to a Washington Mutual branch in L.A. I was told to use an ATM mahcine and withdraw money for a $1.50 fee. I realized latter you cannot do this. On a different phone call conversation the same day (Sun 13, 2008) they said Manuel had made a mistake and that they would help me get my money since I was out of town. So they agreed again that the next tuesday the money would be there.

So when I made a purchase and the card got declined. I called Washington Mutual to find out if the transfer had taken place and the asnwer was no. Katia (CD account department) said that the transaction never took place, and that they were very sorry. So she said that she would start the transaction all over again and money would be available on Thursday the 17th. 2008.

So I decided to close my CD account (I was irate about the whole situation) and transfer all the money to checking ($3000.00). I was tired of dealing with this situation. So she agreed that on the 17th first thing in the morning all my money would be there. So on Thursday the 17th, I called Katia around 4:30 and transfered me to his manager of CD departmen (Pablo), when I found out the money was still not in my account. I expressed my concerned Pablo and I told him there were a number of checks out there that needed to clear the account. Pablo indicated the bank was awared of the situation and said, we are going to take care of fees and send letters to creditors and payees to aliviate the situation. As of today (07/21/2008) I still do not have my money. Please HELP!!!

This moning (7/21/2008) I checked my balance and I am negative because of checks starting to bounce. Please HELP!!

NOT TRUE! I deposited my PAYCHECK in the ATM like the WAMU SUPERVISOR suggested on THURSDAY. Today is Monday I will not have any funds available until TUESDAY! When I spoke to a supervisor once again, she (KELLY-very rude)She told me it states on the ATM receipts and the ATM machine that deposits can be held up to 7 days. I HAVE IN MY HAND SEVERAL ATM RECEIPTS, NONE OF WHICH STATES ANYTHING REGARDING A HOLD. I WENT BACK TO THE ATM WHERE I MADE THE DEPOSIT AND TOOK A PICTURE OF THE FRONT OF THE ATM. IT STATES NOTHING ABOUT A HOLD ON DEPOSITS OF UP TO 7 DAYS. Before she refused my request to release my paycheck so I could feed my children, she asked if their was anything else she could do for me and I asked her to please not lie to customers anymore.

I have a phone Bill, Gas Bill,and a CONVENIENCE FEE going to bounce at $34 a piece! No food! I'm a single Mom who gets zero help from the government or the dead beat dads! I NEED MY PAYCHECK. I did not have an overdrawn account. I have never had a check held on my account ever and every time I talk to a supervisor, they ALWAYS give me a different answer. So if you do what they ask you to do it's just another way for them to say Oh, well sorry $34 fee for you, next time try this way......oh $34 fee for you again! that didn't work either, well lets deposit your money this way and we'll just HOLD it for a week, who cares if you don't have money to feed your kids...$34 please,

July, 19, 2008 I requested to lower my interest rate, because I have been a customer 8 years and not gone over limit and had almost perfect payment history. I escalated twice all the way up to manager Flora (they would not give me her last name. )She literally appeared to be reading a script of why she could not change my interest rate because she says I was a 'high risk customer. She took no consideration of my account history. She advised me that an insert was put in my paper statement giving me a chance to dispute this change and close my act. I explained to her that as my records indicate I have paid online only for four years, therefore I have no reason to view my paper statement, and I did not see this insert. I also don't remember seeing any information online, and they are aware that I am strictly an online customer. They also have my email address. There was no information sent there.

She was the second person I escalated to in the chain of command and she refused to take my situation into consideration or adjust my interest rate. I think it is very dishonest and deceiving and Washington Mutual should be held accountable. They should admit they were obviously preying on their customers hoping they would not read the inserts mailed to them and get stuck with a doubled interest rate. What consumer would agree to have their interest rate doubled? Obviously they feel that we as consumers don't have a choice but to accept this horrible treatment because, the average consumer doesn't have the luxury of paying their credit card bill in full. Americans are suffering in this economy already, and this type of unfair business practice should be stopped immediately and this company should be exposed

I am being forced into paying out a very large credit card balance over 4,000 at almost double the rate that I was paying before . This will make it twice as difficult to pay off my balance.

Today, my credit score is in the 700 ball park, my total available credit is about 60%, its probably been 3 years since I've had any late payments. Before I was renting, now I'm a home owner. Despite this very positive turn around with my credit score, available credit and lack of late payments, WAMU raised my interest rates to 24%. I have contacted them and pointed out this discrepancy, I got back a form letter stating that they look at trends in consumer patterns, etc.

Bottom line, this is a bait and switch situation. They lure you in with a low credit rate, once they have your balance, they increase the interest rate. If I was a greater credit risk, I could understand the higher rate. But with my overall credit situation markedly improved, this has to be unfair credit practices.

I have transferred balances to WAMU with the expectation the interest rate was lower than other cards, however now that I have transferred balances there, they have increased the rate higher than cards I moved from. I now have a balance of $9000, I pay $300 a month, but the charges are nearly $200 per month. This is costing approximately an additional $1000 per year.

I ask to talk to a supervisor. The supervisor comes on and begins asking me some multiple choice questions Based on public records. 1. Addresses I have lived ok got that one. 2. Companies I have or have not worked for. Got that. 3. Then the kicker, how old is my cousin? UH...... how would I recall that. I have met her like 4 times. Why would I remember her age? I have like 40+ first cousins. So I have to go into an office and reset my internet password and probably get charged for the hassle? WTF? Poor poor poor customer service.

They locked me out of my accounts but continue to charge fees. But wont allow me to see my accounts. I have to goto a bank to check. And get charged for walking in to see a teller.

becuase of this I will not be able to trust another bank so easily. i have a family we need to pay rent, to eat to by necessities.

it have cost me $10 so far the past 2 months.

Then the next day they will change the order of my debits/credits to where the larger debit amount will come out before the smaller ones. This causes my balance to go under zero. Then when they put the small debits in each one will be below zero and then they will charge a NSF fee for each little debit. This will all apply before my deposit is received. This just happened to me again today, another $140 fee.

Thousands of dollars worth of NSF fees, in the past 2 years.

Some time had passed and on March 3, 2008, I decided to go to my local branch to address the issue. I was told the check was never sent. I was given a confirmation page and assured I would get the check in 8 weeks. It is now July 16 and I have not received my check. For the last 2 months I have had to constantly call or go to the branch to ask the manager to assist me in this issue. I have been given the run-around? treatment, being told the manger was waiting for a different person, each and every time I spoke with him, to call him back.

Yesterday I called again and he said he would call me back in 30 minutes. I did not receive a call from him. Today I went to make a transaction and I questioned him about the check. I was told he would call me back. I received a call from the manager stating that the check had been mailed January 30, 2008 and a notice was left from USPS for me to sign for it and because I hadnt, they would not send another one. I assured the manager that if USPS had in fact tried to deliver the check and I was not home, they would have left some kind of notification because I am familiar with this practice. He told me he saw online where they left a notice and I had not picked it up.

I told him I was going to contact USPS and I would like the corporate number. He told me to call the standard 1800 number but they wouldnt be able to help me. I called USPS and the CSR I spoke with explained to me that USPS leaves one notice then another 5 days before they send the latter back. I received neither.

I called Washington Mutuals corporate office and spoke to someone in the executive office who explained to me that Washington Mutual would only send the check once. They DO NOT have USPS leave any kind of notice for you to pick up the check and basically if you miss it the first time, its your loss. They make not effort to inform you that you have a piece of undelivered mail. I explained to him that there was a section on the confirmation page that stated that you had 180 days from the date the promotion was redeemed to get an undelivered check or it was void so why would they not re-send the check. That question was not answered.

So the point of this story is that if you open an account with WAMU, and there is a promise upon opening the account BEWARE. I would never think a huge bank like Washington Mutual would be involved in such devious activities but it just goes to show that everyone tries to get over somehow.

I have been waiting 8 months for a check that I was promised that I will never get.

I finally was able to obtain the number for loss mitigation and kept calling and calling until I could get someone ... this took weeks. I was told that since we were not delinquent it was not considered a hardship and they could not talk to us about any resolutions until we were past due. (That is insane) Well come March we could not make the payment. Again we attempted to talk to someone. This is an extremely painful process and in fact it was providence that I did not have a job as it became a full time time waiting on the phone. I finally spoke with a Damon at ex 1115774 who said that he could fax me a hardship package. I told him I would call back with a fax number. He told me to call Michael D.

I did but the poor mans voice mail box was always full. Weeks past and I finally in desperation called collection department and spoke to a Jennifer who was the most helpful person todate. She apologized for everything and then informed me that it was against policy for the bank to fax the hardship papers and had no idea why Damon told me that. She promised to put a package in the mail to me. She told me though that it would be two months before a loss mitigator contacted me unless we got a contract on the house and then maybe we could move up the stack. I was given a number to fax the completed paperwork back to though to speed things up.

Based on our experience thus far with WAMU upon completing and faxing the documentation which was substantial I called over and over again to find someone who could confirm that the fax was received. I had a confirmation on my end but. Finally after a particularly strange day of being passed around like a hot potato I spoke with someone who refused to give me her name as it was "irrelavant" because she would not be handling my case but she told me there was no way anyone could confirm receipt of the fax for at least two months. (Wow) I asked then for an address to mail it to and sent the complete package certified return receipt.

Time passed and my realtor receives an offer (the only one in a year) We are trying to find someone to get it to at Wamu. Some how I called one day and got someone on the first call, explained my issue and said I needed to know who to get this contract to as we had an offer. I was told it was a Cathy Z. at ext 15826. I called her and left a message. She did in fact call me back promptly and told me that she was not handling my file as it was a short sale and that Michael D. was the negotiator. She transfers me. Naturally his inbox is full. I call Ms Z. back (poor woman she is the only one who answers her phone so she became my lifeline) She said there was nothing she could to and to be patient.

My ex husband tried at this point. He called a collections department explained his problem and was transferred to Michael who answered the internal transfer. Michael told my ex he was not our negotiator. He was rather testy about it. We explained that everyone said he was and that if he was not why did he not call us back to tell us that? We had successfully managed to leave some messages on his phone when the voice mail was not full. He put us on hold and went to a supervisor. When he came back he was really testy as he was informed that he was our negotiator.

Realtor faxes contract etc. We don't hear anything. I call. Michael's inbox is full again. I call Ms. Z. who took the time to read the notes in the system and told me that they were waiting on our hardship package. I explained that it had been faxed and sent cc rr of which I had proof it was received in their offices. She rang off saying she would look for it. She calls me back and says there are missing pages. Now the copy package I have has a copy of each original page we sent...how did they manage to lose the original? I faxed copies up there. Weeks go by and finally our realtor gets word that an appraisal has been ordered.

She comes to the house on the designated day to await the appraiser. Time passes... no appraiser. My realtor happens to look out the door and sees a woman who appears to be an appraiser across the street appraising my neighbor Joe's home whom she knows it not for sale nor is he refinancing as he is wealthy and owns his home free and clear. My realtor goes over an introduces herself and in the course of the ensuing discussing finds out that the appraiser is from 24 hour appraisals and is suppose to be appraising my home. Why she did not notice that the address above the garage door on my neighbors home was not "2084" is beyond me. Then spent 5 minutes snapping pictures of my house and left. (she wasn't happy) We were assured though that she would have the report to WAMU in 24 hours. Twenty four hours and 14 days later Wamu gets the appraisal which has to go through two levels of review.

To this date I have no idea what it came in at as Michael has yet to call me back in two months. But he told my realtor that they would only accept offers in the 450,000 or he was foreclosing. Basically he wants it off his desk as he is overwhelmed. Values are dropping daily and I have no idea how they think they are going to get 450,000 for a home that is selling for 350,000 to 399,000.00. I wonder what their auditors will think when they review this? I do know that the individual that placed the offer on my home was willing to go up to 350,000.00.

We have hired a new realtor as the home had been listed for a year with Prudential with no movement. I emailed Michael today to let him know who will be contacting him and that he really needs to look at the data that the realtor is sending him and not use the appraisal from the appraiser whose data is suspect. I fear that they used comps from a neighborhood next door which happens a lot. It is a community with ocean access ramps and the values of those homes go for much more than mine even though the square footage is less than mine.

My credit is shot and we could have been closed on the home. Wamu would have most of their money, a write off for the difference and I could move on in my life. After another 6 - 9 months through the foreclosure process they will be owed even more money and values will have declined even further. He told my realtor that they would come after us for the difference. If I can't pay now how will I pay later? I will have no choice but to file bankruptcy. It is all so uneccessary.

Time came to do the refi into a fixed rate mortgage, but everyone turned me down (including the friend) because I had a condo in Chicago I could barely afford and was trying to sell. The debt-to-income ratio thing. The rate adjusted and I could no longer support the payments - I was never late or behind in any payments before this. I now had upwards of $3,700 a month in mortgage payments with the condo and the guest home.

WAMU has been a nightmare to deal with. In attempting to do a short sale for many months, like others here, WAMU (in particular Deborah) has strung us along for months. Even after having offers on the place, they are all backing out because no one from WAMU will answer phone calls or emails. I guess they want to foreclose instead of getting a short sale done. Initially it seemed Deborah was going to be helpful in helping get a short sale accomplished, but since it seems she has disappeared off the earth.

My realtor can get no assistance from anyone else. Just terrible. Per Ms. G, one avenue to save the house would be to fax a copy of a $1,000 cashiers check, pay thousands in fees, and they would re-do the mortgage into a fixed rate (again, at high interest which again I couldn't afford anyway). How are these banks helping ANYONE?! As I couldn't afford to do that either, I'm stuck and guess I'll be losing the this sentimental property that has been in my family for 30 years. Is there anything at all we can do? My own mother who just turned 80 wants to do something with the equity in her home in Woodridge, Illinois to save the place in Southern Illinois, but in reality I know no bank in this world will assist someone who is 80 years old with any kind of a loan or restructuring.

A distraught 80 year old woman, me and the rest of my family by losing this sentimental place where family members have passed away wanted their ashes scattered (it's beautiful property on 5 acres in the Shawnee National Forest). We won't really even be able to go visit the graves anymore to remember our passed on family members down there where the memorials even took place. I've since had to move into a small apartment and get rid of basically everything I owned (due to no space). I'm paying the rent, which isn't that low, but it was that or actually become homeless (my condo in Chicago will hopefully short sale), but I couldn't live in it anymore. If only WAMU could actually help us by doing a simple refinance into a low interest fixed rate mortgage that I could afford, all this wouldn't have to happen and we could keep the place and all would be happy. In a perfect world, I guess. Distraught in Chicago!

We contacted WaMu's Care Program to request a loan modification because we knew we would not be able to afford the $500 increase. We faxed over all the documentation they requested. We began calling for status, and told that our documents were not received. We had to fax them again, and then told that they weren't received. We faxed them a third time. About a month had gone by when we were finally told that our documents were received. Everytime we called for status, we were told that our loan had not been assigned to a negotiator, and that we had to wait. Everytime we called for status, we got conflicting information. We told them everytime that we could not afford the increase and needed to get our loans modified before we began falling behind.

May came and the loan adjusted, and still, no answer from WaMu's CARE program. We continued calling until we got an answer in late May. We were told that our request for modification was denied because the loan was set to adjust in November 2008. They said it was too soon to review. We reminded them that we started the process in March 2008, which was 2 months before the loan was to adjust. Then they said that they could not modify because we were current with payments. They also said that the loan was assigned to a negotiator after May 1, 2008, which was when the interest adjusted. We told them that it was not our fault that they took so long to assign our loan, and now we are being penalized for it. All they did was apologize and offered no other solutions. They said that we had to submit a new request and start all over.

In the meantime, we are unable to afford the higher payments, and are now 2 months behind, plus, we are getting 20+ calls a day from WaMu's collections department. We've explained that we have requested a modification with the CARE program, and yet, they continue calling at all hours of the day. We have stopped answering our phone because we are being harassed. Our credit is bad now because we are behind in payments, and nobody in the CARE program seems to care about our situation. We have told WaMu over and over that we cannot afford the payments and have repeatedly asked for other options. They have told us that there are no other options for us.

Our home value has dropped substantially and we now owe more than what the house is worth. We were told that we could only refinance if we had a co-signer, 3% down, proof of more income, and pay the prepayment penalty of about $9,000. We would have to come up with about $55,000 just to refinance. It is clear that WaMu is not in the business of helping good paying customers who can no longer afford the payments. We have tried to get the 2nd request for modification expedited, and again we are told that we just have to wait.

We are now 2 months behind on our mortgage payments and our credit has been ruined. The increase in payments has caused a great financial hardship on our family and we are unable to afford the basics for daily necessities.

Well, when the first bill came, there was a finance charge of $18.75. I called customer service on 6/4 and they told me that I misread the offer (and of course I didn't have the paperwork anyway). However, they were going to switch my account to no-interest but they couldn't remive that finance charge. I agreed.

When my next bill came on 7/2, sure enough, Imy account was never switched to a no-interest one as I had been promised. They tacked on another $28.32. I called again and was told it would be changed. Meanwhile I just went online (7/14) and saw that the finance charge was not removed and online you can't tell what what you're Balance Category is. I am going to pay this loan off in full and if I ever receive another offer from them I'm reporting them to postal inspectors for mail fraud.

Close to $50 in finance charges so far for an account that was not supposed to have finance charges until January 2010

They have it and want to sell it - I'm sitting here with financing set up and want to buy it - what is the problem? What is going on? The economic damage is obvious - this lender is holding on to properties with no regard of offering for sale prior to some unknown auction date - They are keeping properties for no reason other than to be difficult -

So we asked for One. When we got it we filled it out, WAMU stated to put down real numbers so they saw our complete situation. So we did and sent it back. We never heard back from anyone until Late April when we were unable to pay the mortgage. We got a phone call from collections and asked who was our loss Mitagations person. They said that it was D. Harrison and we asked to speak with this person so they transfered us. When speaking to Lost Mit. we found out that D. Harrison was no longer there and had not been for 2 months and that our file was sitting on his desk. We were told that no one reviewed it and they would look for it, that was all they could tell us!

We decided to put the house on the market since we got no response from WAMU regarding our options or what we should expect. We listed it we a short sale broker. Next Month we got a letter from WAMU, declining us for any assistance after they reviewed our financials. No phone call, No contact from a human being, nothing. We were shocked. You could never get anyone to call you back regarding our loan. We never got any call from Lost Migation. When we called them and finally got through that only went back and stated that our financials were not enough to provide assistance to help keep our home. They never gave us any choices or Options.

We are now in final stages of loosing our home. We have a contract pending but WAMU stated this would not prolong or stop the Fore Closure. We get calls every day..and I mean every day from WAMU collections-These people have no idea who we are or what we are going through. They only want Money. I took a call from Mrs. Andrews from WAMU collections on July 1,2008. This collector from WAMU stated that I should pay something immediately. I told them to looka at my file and see what it says, they stated it was declined for assistance and headed to fore Closure. I asked who from The name of the Lost Mitagation contact on the file? They told me it was D. Harrison. I said that was incorrect and this person has not been there for Months. They transfered me to Lost Mitagation were I was cut off when I got there.

Two days later I got a call from the Jacksonville office which was Loss Mit. I argued with this woman who told me I needed to pay something on my loan as soon as possible. I told her we did not hve it and that WAMU declined our loan assistance. She stated that was our fault and that the fore closure was going to happen unless we sent them money. I also stated that we were working with a realitor and that we had a contract on the house, she said that would not stopped the fore Closure. She gave me her number and told me to give it to the realitor which I did. The realitor called me the next day and said she had to transfer me to the person that was dealing with our case file.

As of now they are reviewing the contract but it is doubtful they will stop the fore Closure. This has been my second loan through WAMU. We got the loan only 2.5 years ago. I want to know if anyone else has faced this and try to band together because I did not buy a home just to loose it. I feel we were treated very unfair from WAMU. I also wrote a reply letter to an artical published in June of 08 in consumer affairs from WAMU stated 1 Billion in assisance for home Owners I sent the letter outlining the above in detail as well. I never got a response except for the call from Mrs. Andrews.

WAMU in my opinion has been overwhelmed by all the fore Closures, they dont have the man power to deal with these and the homeowners are the ones who have to pay the price. WAMU could have extended options for us to keep the home but did not. We are four Months into a foreclosure, The effect of a delayed response back from WAMU after three months was UNEXCEPTABLE and they should be held liable or accountable in some way. We now have four months of bad credit. How do you find another place to live when that is on your credit sheet. I find this WRONG and very unfair!

We called to check the status 2 weeks later and thy had no record of the document. At that time we are told we were given the wrong fax number and gave us another one. This time we are told that they have 1 month to process and then we will see the change or get a refund. It is now July. We received a latter form the tax bill dept. stating thank you for the doc but we will let you know if we need your assistance in determining the impound account once taxes are due in November.

We called and this time asked to speak to a manager or loan officer, considering all the misleading info received. THe manager hears us out, does NOT even try to apologize on behalf of her staff; admits to not knowing certain things but states that they cannot lower our impound amount until they are told specifically from the county assessor which amount that will be. This made sense to me, but if were told this from the beginning we would have answered for that additional information. She game another phone number to call to request this.

The point is, we are obviously paying extra money. Our home is not the exemption to the the rest of America; it has also devalued. I asked the manager: from human being to human being: what would you be doing if this was your situation? She game me the run around and was cold as a brick. We are refinancing as fast as we can and do not want to deal with WAMU ever again!

It is costing us an additional $200 per month (money we don't have to spare) while it is clear that our taxes will be lower this year.

I inserted the check I was depositing into the ATM and a message came up asking me if I needed more time. I did not need more time, so I selected No. Then the ATM gave me a Transaction cancelled message and returned my ATM card, but not the check. I went inside the bank to get the check back and was told the only person there who could do that was working at a teller window and would not be available for at least two hours.

I left and went back later, missing work, to retrieve the check. I was told that the ATM had imprinted the check just as it would have imprinted the envelope it was in, if there had been an envelope, and they could not give the check back to me, that it would have to go through their ATM Department as a deposit and the funds would be in my checking account in two days.

It is now nearly eight days later and the money is not in my account, although the person who gave me the check has informed me that it has cleared their bank. I won't go into every detail, but I have been given nothing but a complete runaround complete with misinformation and outright lies from Washingtom Mutual. As soon as this mess is straightened out I intend to close all accounts with WaMu and be shed of them forever. BEWARE!!!!

Four days after I attempted the deposit and two days after the day I was told the funds would be in my checking account, I went into overdraft status and have been assessed a $34 overdraft fee. I e-mailed WaMu's Customer Service (what a joke that is) and they replied that they found no fault in the bank and I am responsible for the overdraft fee, even though it IS their responsibilty that my checking account is $250 less than it should be, now $284!

We called WAMU and someone told us the deposit had been held, but we still should be able to withdraw. This did not make sense and told her this and described what happened at the ATM. She then said well the hold will be dropped on Monday when the branches open. We checked on Monday, no luck.

Meanwhile, our negative balance grows as bills are being 'paid'. We are told the hold will drop on Wednesday as they supposedly still cannot tell what type of transaction was made (though it shows on our bank receipt and in our account online). I called today (Wed 7/10) to find out about the account. I am now being told there is a high risk investigation into my account as felt the fact that we just opened the account on 6/17 with a $1 and did not use the account again for 2 weeks and deposited a large sum of money that set off red flags. Coincidently, the lady I spoke easily removes the hold on the account.

With the hold on our account, we now have 2-3 checks bounce. Supposedly, WAMU won't charge us fees, but the banks of the person cashing the check may. The lady said we have to get invoices verifying how much was charged and submit it to WAMU for reimbursement, but cannot gaurantee the return of funds.

They put a hold on our account because we did not have activity for like 2or so weeks and then made a cash deposit of part of my husband's pay check and now we have to suffer. We now have to call all institutions we paid by check to find out if they already made the deposit and get the invoices. We cannot make any other bill payments until all of this gets clear. What's interesting is that I asked why we were not notified of this issue when it first happened. She said a notice will be sent today (7/10) almost 3 days after it supposedly was noticed by them on 7/7 the next business day.

April 22, 2008 Called and left several messages for Mr. S. No response from him. April 23, 2008 Went online. Debi B. asked me to fax my concerns. I faxed her a 12 page document including a cover letter. April 24, 2008 Received an email form Debi asking me to call the Customer Service. I did not call as I had called them on previous occasions without any result. May 21, 2008 Called Anthony of the Bayfair, San Leandro Branch. He asked me to call the Forgery Investigator at 866.

May 22, 2008 I spoke to Monica of Forgery Investigation. She told me that the forgeries were already cleared and my account credited. She couldn't explain why there was a balance of $351.78.She told me to call the Consumer Service Loans at 888 800 8738. I called C.S.L. and spoke to Justin. He told me to call the Collections Dept. I spoke to Denise at the Collections Dept and she told me to call the Loss Mitigation Dept.She told me my record shows I am 144 days overdue in my payment. I called the L.M Dept at 866 (ext 15755) and left a message with Mr. Tony S. Mr. S. did not respond. Frustrated, I called Jeannie at the Corporate Office. 800 (ext. 483). Jeannie is a manager at the Executive Office. I gave her a scenario and the above timeline. She assured me that I will hear from her the week after, by 05/27 or 05/28. I asked her if I will get a letter stating that the debt has been cleared and she said yes I will

May 28, 2008 Called Jeannie and left her a voice mail. May 29, 2008 Jeannie called telling me in a voice mail that she is still looking working on the issue and was looking for more information to resolve the matter soon. I called back leaving her a voice mail asking her to provide me with specific details concerning the information she was looking for. Told her to resolve the matter today as it has been outstanding for several months.

May 30, 2008 Called Jeannie and spoke to her. She said that she is doing a thorough investigation to resolve the problem and will give me a call on Tuesday, 06/03/08. June 3, 2008. Called Jeannie and left her a voice mail. Called again at 4.05 pm and left her another voice mail. No response. June 4, 2008 Called and left a message for Jeannie at 10; 18 am. Again she did not respond. So I called the switchboard and requested that I be transferred to another Manager. I spoke to Dianne who told me that Jeannie would be out for several days on Jury Duty. I was transferred to Javier (ext485) He said that he will call me and left me have the latest status by Friday, 06/07/08.

June 9, 2008. Spoke to Javier. He said that the debt has been credited. When I told him that there was still a balance on the account he agreed. He told me he will call back after review. I left messages for Javier on June 10, 11,12. He did not return my calls.

June 13, 2008 Javier called to say that he is on the verge of solving the problem. He said he has to deal with an outside vendor who handles claims. I made daily calls after June 13. On June 24th Javier called and left a voice mail stating that he is still working on the matter. He said that was trying to reconcile the entries on the statement. He said that he will submit the reconciliation to the party concerned and request them to credit the fraudulent entries. He said he will call me by latest 06/26/08 with the latest status. June 26, 2008 I left a voice mail for Javier - no response. July 2, 2008. Javier called and left a voice mail stating that the claim had been denied. The balance and interest has to be paid off first before he can explore avenues to clear the negative credit report.

July 3, 2008 I called and spoke to Anna and Javier. For the first time WAMU per Anna acknowledged that the transactions were fraudulent. But she told me that the claim was denied because I did not return an affidavit which they supposedly mailed to my home address. I never received the affidavit. I also told her that in all the months that I was pursing to clear the debt NO ONE EVER MENTIONED THAT I HAD TO SUBMIT AN AFFIDAVIT. I asked Javier to mail me the affidavit. He said that it was too late. Even if he received the affidavit there is nothing he can do as the claim has already been denied. And the decision was FINAL. I asked him if he could transfer me to his supervisor to appeal the decision. He told me it was not possible as the Executive Office was the highest I could go to. I asked Javier to provide me with a letter denying the claim. Additionally, I asked him to provide me a copy of the affidavit which they said was mailed to my home address but which I never received.

July 10, 2008 I still haven't received the documents that I requested. Fraudulent Activity on Wamu Equity Plus Account I am a victim of identity theft. It was first brought to my notice in January 2008 when I received a phone call from Wamu's debt collection office that I owed money on Home Equity Line of Credit account. There were three transactions made on the same day on December 3, 2007.. These transactions were definitely not generated by me. They were all transacted out of state. I live in California and on the day the fraud took place I was at home.

All statements concerning the debt were mailed to an address in New York. It appears that the thief who perpetrated the forgery had changed my mailing address to the New York destination. So I had no knowledge of the theft prior to the phone call. It perplexes me to know that the bank allowed the address to be changed on my account without any iota of authorization from me. What sort of security are they providing to their customers? I was told to call their Forgery Department which I did. Subsequently, Wamu's Risk Operations Dept mailed me a letter dated January 29, 2008 which stated: "It has been determined that there was no loss on your account."

At that point I assumed that the matter was resolved. However I continued getting statements showing the debt was still outstanding. And I started getting letter after letter from their Collection Dept telling me to pay $2.97 for interest owed on the account. Additionally, I was hounded and harassed with numerous phone calls by the Dept. After telling them numerous times that I am a victim of identity theft they FINALLY asked me to send a letter and a police report to their Jacksonville, Florida office. I posted under certified mail/return receipt the Identity Theft Report supporting my position and in addition I enclosed copy of sections 605B, 615(f) and 623(a) (6) of the Fair Credit Reporting Act detailing their responsibilities under the Act.

I followed up a few days later with a contact, Mr. Tony S., and left numerous phone calls but not a single call was returned. As I was not making any headway I called their Customer Services Dept and they asked me to call another number and that person asked me to call another number and the scenario was repeated over and over and over.

Finally I got exhausted and I went to the local branch manager and requested his intervention. He was just as useless as the other employees I spoke to. He told me to call the same numbers I had called previously. In essence he expected me to spin the wheels again. Finally, I took the initiative to call their Seattle Corporate Office for assistance. After much dalliance and numerous follow ups they finally told me that I have to pay the debt as it was "legitimate". The reason they gave was that I did not return the affidavit which was purportedly mailed to me while acknowledging that the transactions were indeed forgeries. I am enclosing an addendum of the time line detailing my efforts in resolving the issue. I am really appalled and disgusted at the lackadaisical, unprofessional and amateurish attitude demonstrated by employees of the entire establishment in resolving my concerns. During all my interaction and conversations with WAMU staff I never was once told that I would need to complete an affidavit to commence the process of clearing the debt.

The fact that I mailed the letter to their Jacksonville Office was tantamount to providing them with an affidavit/ affirmation of unauthorized use on the account; and their staff should have promptly acted on it. In spite of being told that my credit will not be damaged while research continued I have not been able to get credit on favorable terms. The transactions have been reflected negatively in all of the major three credit bureaus.

I have been a long time customer of WAMU where my family and I have banked for more than 20 years. Our conduct has been immaculate. Would you please assist or advise me as to how I can have the debt including charges removed and my well earned credit restored as soon as possible. Additionally, please provide me with your contact person for me to liaise with. Sincerely

This fraudulent acct that Washington Mutral opened up for an induvidual the address that I located on my credit file that the information went to is [address]. that is the address that I located on my credit file the person used to get service from Washington Mutural. I never lived at that address..

I then when to Washington Mutual. I talked when one manager that was working. I told me that i would have to depost 110.00 dollars so the accout would not close. I then let him know i would have to come back the next day to depost the money. The manager told me that it would be fine. I then the next day Mar. 8 2008 about 12:00pm i went the 2398 SYCAMORE DR SIMI VALLEY, CA 93065 Washington Mutual. I then talked with a teller. Then tell informed me that i would have to talk to customer serivce. I then talked to customer serivce.Then customer serivce let me know that i had to talk to there manager because then could not do anything to this account.

I went to the manager desk and he was very rude to me. He was not friend at all any at time. Then then took my money for the 110.00 that i had to pay to Washington Mutual. I then went to Washington Mutual yester day Mar. 13 2008 around 5:10pm To depost a check the teller told me that it would not let the him depost my check. I then went back to Washington Mutual to day Mar 14 2008 at 5:10pm. I went to talk to a manager and told me i would just have to paid this and i would open a new account.

I cant bank with Washigton Mutual now. I feel i was lied to as well as chated

But no ...wait it went to collections. Even after being in collections my acct. was still debited. I talked to a mngr, His reply was. Should have closed your acct. Why wouldnt [they] call me and inform me? You would think after being 300. in the wole I would be noyified. No. It had to go to $90. + in fee's. I'm behind on mortgage and my credit is ruined.

Simaler problem? I need 19 more problems like this, and an atty. will file a class action law suit.

Reluctantly, I told her what my Social Security number was, and she confirmed that this BP card was indeed linked to the same number. She told me that she would suspend the BP card account in question, to which I responded with incredulity. Why are you closing my accounts, but only suspending the account of the person who is using my social security number? I immediately asked to speak with her supervisor. When I finally did speak with the supervisor, I asked again why it was that MY accounts were being closed, when I had been a customer of Chase for some 20 years and someone else was using MY Social Security number. I was informed that the person who had the BP card had been a Chase customer even longer than I had.

Wait. Are you telling me that this was a clerical error? That someone else requested an address change, and when the data was being entered in your system, MY Social Security number was entered instead of HIS? Yes, sir. And that caused all of my accounts to be switched to the new address, regardless of the fact that his account is under a completely different name? Yes, sir. I'm afraid so. I would like a letter from you stating ALL of this, please. One moment please. I was then put on hold, and when he returned, I was told that the legal department would not allow any such correspondence to be issued.

I asked for an address so that I may write a strongly worded letter to Chase and was given a P.O. Box number. He told me that as this was such a unique situation, I would be receiving new cards with new numbers via overnight mail, but as it was a Saturday, I would not have my credit cards until Tuesday. Never in a million years did I imagine that I would be defrauded by [their] Fraud Department.

At least one of the services that I use my Chase credit card for will not take credit card information over the phone; only in person. As such, I will be forced to travel (I do not own an automobile) far from my home during my free time to give them the new credit card numbers. Not to mention the inconvenience of not having my credit cards for a few days, and having to contact all of the vendors and services to change the credit card information they have on file for me. I realize this probably doesn't qualify as damages, but I feel I have been greatly wronged due to the ineptitude and inefficiency of Chase, their employees, and their system in general.

I called them back and they said that I needed to pay $444. I explained to them that I called the very next day that I had lost my card and after that they told me that there were no records of me calling. I asked for the recorded conversation and they said they didn't have it. I kept called customer service and after no one could help me I filed a claim that took a whole month. I finally received a letter stating that my account balance was zero, it showed a negative $444.

The collection agency continued to called and I sent them 3 copies of the letter, through fax, I spoke to a supervisor and yet they kept calling saying it was not resolved. They told me that regardless of the letter, Washington Mutual denied ever resolving the matter with me so they must continue to attempt to collect the debt. The creditors continue to call and refuse to stop.

I had approximately $60 in my account before it was used by the person(s) who found it which I will not get back. This is very frustrating, and depressing and it is taking a toll on my sleep . Also the creditors have already been very rude and have used foul language on us. I can not open a new bank account due to the bad credit this has developed for me. I live with my mother who gets woken up by the early morning calls and it is taking a toll on her sleep, she works 12 hours a day 6 days a week. It is a bad report I need removed from my credit and I am not getting help from anyone.

From that point on I was placed on hold, transfered, disconnected, and passed the buck trying to get something as simple as a pay off statement. If an offer did come through it would be ruined by Wamu due to their inefficency when trying to obtain the proper information as to the payoff of the home.

I requested that they forgive the over-draft charges because i was never informed about this policy.they first refused then later a supervisor said he would forgive 2 of the charges.this action resulted in my being charged like $165.00 for approximately 450.00 overdrawn. i don't have this kind of money. I thought i had $400 in that bank account and that's what i could pay back

On July 5th I found out that they resent one of the failed payments, again from the account that didn't have enough money in it to make that payment. Now, after I'd already notified them of the mistake, and that they could plainly see (1) I paid the bill from a different account, (2) there were sufficient funds in the other three accounts, they just went ahead, without any notice to me, and AGAIN sent an insufficient funds check.

It's already cost me $66 in overdraft fees. Plus, they double paid a $250 bill so I'm now short the $250, and I figure they're going to debit my account for another $33 overdraft fee.

In the meantime they took all of our money, including her most recent deposit, which was all of our money. we are low income and I just had a heart attack two weeks ago. They have screwed up our enitre lives and all it would take is the click of a mouse to correct their internal mistake. Now we can't get anyone there all the way through management to help us get this fixed. My daughter was at work when these supposed authorizations were made. She works construction and where we live in the Appalachian mountains in Tennessee we do not get cell phone service,, and there is no phone at the log home they are building. She did not make these authorization for paymnets on her credit card. She would not over draw out checking account to do that. We always pay our bills online and our history proves it.

Now we can not use our account to pay our bills, my daughter has to go and open up a new bank account because Washington Mutual has this one all screwd up and we lost the only income we had. We never over draft our account, and we always pay our bills on time, and this has ruined everything for us.

its totally out of control now, my husband has had a heartattack and stroke and is totally disabled so there is no way ican afford to fight this, i dont know what to do, im not trying to get out of paying i just cant pay what they want, and they would not work with me.

it has set us back completely on trying to get above water after losing everything when he went down,

To me this was a half-hearted attempt by WaMu to offer help to a current homeowner for a reporting purpose whether to the Feds or somebody else. WaMu gave me no consideration nor asknowledgement of my payment history. This offer to me was a sham and only lowers my opinion of WaMu. This and other lenders are not sincere in helping borrowers, and will use such half-handed schemes to advertise their so-called efforts to help people. I just want you to know that my house has not declined greatly in value.

Now my son is going to apply for loans for school. He can't get any thing because his name is in I.C. System Inc. a debt collector. He want to get in a good school he work hard all his life for this. WAMU said they would remove this from I.C. System INC. and from his credit report but they didn't.

As I write WAMU is on the phone saying the debt collector have this account now and even if Philip is a 17 year old boy he msut pay the debt collector because once they have the account there nothing WAMU can do. I call the debt collector and they said WAMU didn't tell them this was a 17 year old boy only WAMU can call them and have this remove. Thank you

I spoke with them and they said it was because my payment in April was late. I personally think it was more than that. I think it was because of an ongoing dispute over a $1 recurring charge on my account by a company that I had no idea what they were doing. I thought it was a one time $1 fee. They have deceptive practices that I was disputing. I am awaiting a social security disability determination hearing very soon. I have no income. I have been borrowing to make payments as it is.

The hike puts the payment out of any possibility for me to pay it and bankruptcy is not an option while awaiting a SSD hearing, even one based upon dire need. I told them to close the account but the payment will be the same or more until I can get it paid off which I plan to do at the settlement of my case. I don't want to ruin my credit which is pretty good under the circumstances. I don't know what to do.

I will have to write a home equity check to pay for this for as long as there is any money in that one left.

i may have to use my credit cards and I might be in a bind because their limits are shrinking.

I called WAMU customer service to get information and was told they had to place the freeze on the account by law. I asked for WAMUs legal or levy departments phone number and was given the number for the debt collector, Malen & Assoc. I was given the index number from the document they said they received by mail from Malen & Assoc. It is my understanding of due process that a court judgment be issued and properly served upon me by my countys sheriffs department. This never happened, nor was WAMU properly served by a court rep for execution of judgment. Yet WAMU placed a freeze of $1800. on my account.

The original agreement with Malen & Assoc. was for $1251. in May of 2007. I was to make a payment of $100. per month til the debt was satisfied. I have paid $1100. of this debt to Malen & Assoc. directly and have all cancelled checks as proof. Malen & Assoc. deceptive attempt to defraud. The county clerk in the jurisdiction in which Malen & Assoc. claim to have won said judgment has no account of it. The county clerk searched for judgments or court proceedings against me and none from Malen & Assoc. or the original creditor, AIS Services, were found. This judgment or claim was never brought before a judge of arbitrator. No court or sheriff ever executed any asset seizure order to WAMU or myself.

It is my belief after exhaustive research and examining the practices of Malen & Assoc. handling of other peoples debts, that this particular debt collection company should be investigated by your office for the complete disregard of all laws. The forms I have from them look like official court documents, but arent, which flies in the face of the FTC rules. The use of the Suffolk County 3rd District Courts affiliation with these deceptive files Im sure violates their rules. The fact that they fraudulently misrepresented files for monetary gain could be considered racketeering, and conspiracy, especially since the amount they are claiming is over $1650. more than what is actually owed. No breakdown of fees, charges, etc. Just an arbitrary number the debt collectors decided to fraudulently try to steal from me.

But WAMU allows this. Why? Well, they now have an account in the negative for over $1800, and add a few of these up and soon you realize the huge lump of bad debt the bank has thanks to the likes of a few crooked debt collectors. I imagine though, that all these bad debt write-offs benefit WaMu somehow. Maybe by offsetting the taxes on earnings or maybe they can borrow cheaper or bad debts are still a valuable asset for them to trade/sell. Whatever the case, its fraud compounded by disregard of all form of law, due process, rules and regulations, ethics and procedure that they are supposed to uphold. And for Washington Mutual, still as of today 06/27/08, to not contact me, a customer, that my checking account with them is in arrears for over $1800?

Suffering panic disorder and anxiety for which i now must use medications.

I am unable to open an checking account, or apply for a credit card without her information coming up attached to mine.

They are researching it now and ask me to call in daily to see if it was resolved. Im told if they dont find where they have the check I will be responsible for addtional inerest and late payment charges!. They refuse my requests to speak with a supervisor, and only disclose their first names. They do not note the account when I call in, so I have to start from scratch with each rep I reach.

Im worried this has affected my credit. I want them to post the payment and close my account once and for all!

reinstated and submit pictures of the house under construction. No problem, except the fax number wouldn't go through all day. So I went down to my local WaMu branch and spoke with the loan manager there.(If there is a word for more than useless that wasn't profanity I would use it). He tried faxing it with no luck while I tried to re-contact the supervisor on my cell phone that I had spoken with before. Ya Right, did I honestly think I would ever talk to the same person twice there.

Anyways, spoke w/ another supervisor who gave a different fax # and he stated he would make sure it got to the review department(or escellation team)personally. So after phone calls every 2 days and weeks later they finally decided to tell me I would need an appraisal for my home. ok great, so wamu was paying for it right...wrong, that would be the second wrong assumption I would make so far, the first being having a loan with Washington Mutual. So after going round and round with them they stated I could do what they called a "BPO", Broker Pricing Offer. This basically was an estimate of the value of my home if it were to be put for sale on the market today, done by a licensed realestate agent.

No problem, I called up the agent that sold us the house. I had him write up a nice letter stating what the value of the house was at that time and sent it off to Wamu. So once again every 2 days I called them to find out the statis and everything was fine just being reviewed. Don't worry Mrs. blah blah blah it just takes time. Ok so 30 days has gone by when I call back again they inform me that they are no longer allowing "BPO"s, I would have to resubmit an appraisal from LSI. What out of the blue...just all the sudden...great, what else could they possibly throw at me...little did I know.... So I called LSI and made an appointment. In the meantime I called back WaMu and asked what my home would have to appraise at to have the loan reinstated. They stated $720K. What I bought the house for more than that 2 1/2 years ago and there was nothing in the neighborhood for less than $900K.

I wasn't worried but just out of curiosity I asked what it had been reassessed at? oh....$600K Are you kidding me.......I don't think you can even find a house within 10 miles of me for that price. So anyways LSI came out and did the appraisal. Funny thing was the appraiser asked what it need to be apprasied at and when I told her she laughed and said I'm not appraising it for a penny less than $1M. So $350.00 and 5 days later I received the report which they wanted me to fax(which by the way was 30 pages long) so I spoke with another Supervisor who gave me her email address and said she would personally submit it directly to the the escellation team. Sound Familiar.

So May 28 I called and they had received the email...ok, looks good right... so every 2 days again I'm calling and you know everything is just going, still under review, it just takes time Mrs. Blah, Blah ,Blah. So here we are, June 26, I call to find out the statis, geez, it should be close to the 15 to 30 day window they like to give and the supersivor proceeds to tell me that the review department has not been reviewing my appraisal.....What Whay not!!!!well it never made it to the review dept., they can't really review something they don't have.....are you guys screwing with me...so until now every 2 days they have been blowing smoke up my you know what telling me everything is fine when they really have been doing nothing and by the way all those supervisors I had spoken with before no longer work there.

So let me think....March, April ,May, June....thats alot more than 15 to 30 business days....so today I refaxed the appraisal, all 30 pages to another supervisor who said he would personally make sure it got to the review team...right....I just can't wait....and once he submits it to the review team it takes 3 business days for them to confirm receipt. Great, what's 3 more days when you've been waiting 4 months and are looking at another one. So I've called back frustrated yelling one minute, sweet as pie the next, demanding to speak to the supervisors supervisor(which they say they don't have) trying to figure out what works with them, appearantly nothing. I just want to know who does the firing around that place they have to have a boss or is it that bad that they don't need a boss they just all quit because Washington Mutual is that screwed up.

Today I told the supervisor I spoke with that if they don't want to reinstate my loan, just tell me but don't keep stringing me along with alot of fluff and lies when I'm living in a half finished house without a kitchen since October. So for now I would tell anybody that asked me get your money out of WaMu and run, and never look back. This is the worst experience dealing with people that don't want to take responsibility for there screw ups....appearantly it's all my fault, well I guess in some ways it is because i should have gotten out along time ago. So beware.....and good luck

On June 10, 2008 sent by regular mail a copy of my June 9, 2008 email. After receiving no response to my June 9, 2008 email, on June 14, 2008 telephoned WaMu's debit card services and discussed my claim with a representative providing her with the same information as to the name and telephone of the person to contact at Sam's Club.

On June 24, 2008 contacted WaMu's management team in Seattle and filed my complaint with their office, and on June 25, 2008 faxed copies of my written claim and email to that office. As of today I have not received the reporting supporting WaMu's denial claim. Conclusion: given the circumstances, WaMu has refused to conduct an investigation of my claim even though I provided WaMu with information to assist the bank in resolving my claim.

Seizure of my bank account in the amount of $373, and I would like for an attorney to contact me about my complaint because I am sure that WaMu has been intentionally negligent with other customer claims.

The following day, Tuesday, nothing had been resolved with my account and no one had contacted me about my missing money. I called the customer service rep again and was told that the check didn't exist but they would look into it. The next day, Wednesday, I had my husband ask his work to place a stop payment on the check and reissue it. When they attempted to place the stop pay they discovered that the check had been cashed and stamped by Washington Mutual. He was given a front and back copy of the check which he then emailed to me. I proceed to take a half day off from work in an attempt to resolve this problem.

I went to the WAMU branch that we had used to established our accounts. The teller wasn't able to help me so she had me wait for the account rep. The account rep repeated the we'll look into it line and would not give me my money. She then proceeded to imply that it was my fault that the check was misplaced because I used the ATM to deposit it. I told her that since I had proof that WAMU cashed a check written to my husband that I would like my funds back while they figure out their error. She said they couldn't do that. I insisted. She spoke with the manager, who wouldn't even walk the 10 feet to come speak with me, and he also said no.

I was furious at this point so I left the bank and went to the branch where the ATM I used was located. I asked to speak with that manager but she was out to lunch. I told them what the issue was and left my number for her to call me. She NEVER did. After waiting an hour at home for the 2nd branch manager to call me, I called my husband with the number for the corporate headquarters. He then called and spoke with yet another person up there and faxed that man a copy of the check. He said he would look into it. Apparently that person had the ability to force some action because within 2 hours of my husband calling our money was back into our account.

Thankfully, the only consequence was me wasting a half day (4 hours) of my personal time off to deal with it and a miniscule amount of interest money that we didn't earn in our savings account as a result of transferring money to cover the missing 3,000.

The physical damage is that I am woke up early in AM on my days off of work. I need rest too. What a way to be woke up every morning I am off of work. Being woke up this way really makes your day.

Sale of the lady's house has been held up since October, 2007. One buyer has pulled out and now just recently we have another buyer. We need the deed of trust which was paid off long ago released right away. Washington Mutual just seems not to care.

I am beginning to experience mental trauma associated with these constant phone calls. Working from home, they are beginning to not only disrupt my family life, but also my work environment. I don't think it's too much to ask a business to remove a phone number when I have no active business transactions with them and their employees are taking advantage of the use of the phone.

I asked the lady if I had $500K to bring in and if I told them to waive the over draft fees or I will not bring over the $500k woould you waive the fees? And she said YES! Then I said because I am a bottom feeder struggling and do not have the fortunate oppertunity to have alot of money at this point in my life and have nothing to offer them there is nothing WAMU can do for me right? and she said RIGHT!

Atleast she admitted it, that since I am broke trying to make it I do not deserve the same courtesy as someone with more money. Umm can they do that? I mean the people with less money need the money more than the rich people but we do not deserve it. Thats what I was told by my bank. She said it over the phone. If the call is recorded you will hear it for yourself.

The insurance co is telling that I need to pay $800.00+ and I refuse because I no longer need the insurance and they are not accepting my cancellation request because they say they need an official statement from WaMu saying that I am no longer required to have flood insurance.

On June 5th, 2008, I could not confirm that my check payment had arrived and posted, so I made a telephone payment of $115.00. The debit posted to my checking account on June 6th, 2008. I knew that I did not have the funds to make a $100.00 check payment and a $115.00 telephone payment ($215.00). I had my bank, SCtelco, place a stop payment on my check #1019. I did not want to post a late payment on my WaMu account and I did not want to incur over draft fees and penalties from my bank. I do not understand why my account has been permanently closed.

However I have returned the WaMu visa card. I posted the telephone payment on time and I am not obligated to make more than the minimum payment, which is less that $215.00. Also, why are [they] charging me a $35.00 return fee and a $14.95 telephone payment fee? The tele-fee was included in the $115.00 payment as per the automated instructions.

Wa mu seems to post many of my monthly payments after the due date regardless as to when I mail the payment. My balance is always around $2100 even if I double the payment amount, there are always some type of penalty fees.

This time, Jan. 08, was unexpected. Our payments had been made on a timely basis through December 07, and January 08's payment was in the mail. In their complaint WM's attorneys claimed no payments had been made since July 2005; mortgage payment amount placed at $2842 per month ($1154.37); demanded full payment of original mortgage and contained factual errors in almost every count. They also informed that although mortgage was acquired by them 7 years ago, it was yet to be recorded. I only had 2 weeks before the court date and I answered pro se requesting court costs, damages and relief from predatory lender.

My documentation verified my statements above and the judge suggested the attorney and I discuss the matter, setting a second conference date the following week. Two days later WM's attorney called to say he dropped off a Motion to Dismiss at court and put a copy in the mail to me (never received). He secured an Order to Dismiss the following day by stating I had agreed to same, without prejudice or costs. There was to be no conference. I wrote the atty and the judge that counsel misrepresented the facts, that I wanted a full discussion of complaints on both sides.

In the meantime January through April's amount due had not been settled, we mailed May's check to the attorney as instructed, however he returned it in June suggesting we contact WM ourselves. I actually attempted to, but was almost immediately locked out of the website. I wanted to be left alone, to sell my condo without threat of foreclosure, or refusal of payoff figure, an accounting of all charges made and monies paid by me before putting it on the market and certainly before closing. My credit report showed in April mortgage default since July 2005 - the first time credit information was ever submitted.

In May another report showed that I have been in default since October of 2007. This month another report showed 360 months of payments at $1350/mo due and owing. I assume they are in the process of filing a foreclosure complaint for default. One credit report clearly lists nonpayment of the months not paid this year (due to their legal action.) In this one Complaint, WM was in violation of Fair Credit Reporting Act, Bankruptcy code for Chapt. 13, Fair Debt Collection Act, filing false information with the court and attorney misconduct. Is there any law they can be made to follow?

I can't find an attorney. I want declaratory relief at least. My answer was good, but I do not know the law. I am profoundly depressed and under doctor's care - they've sent an inspector to the house, no payments have been deposited by them since December and it does not take much to see the setup here. I am legally disabled and in my 60's and, if not enough, have approximately $200K in equity that I cannot touch. Otherwise, I am without funds beyond monthly social security, my son is in college and my life is being wrecked as I am pushed further into debt by foreclosure mills. I need medical care. I need help in so many ways I cannot list them. Without WM's foot pressing on the back of my neck, I could help myself. Honestly, I can't bear it anymore. Thanks for your attention.

I tried today many times and the last call I was on hold for 27 minutes. When I go into the branch, I'm always told the system is down. I've been trying to reach someone for so long and I'm worried about what's going on with this bank. No one seems to be home! The public needs help. Please can someone dig thru this red tape? Something is very wrong at Washington Mutual, very!

On June 11, I stopped by their Garden Grove branch to deposit my paycheck, along with 2 rebate checks with a total around $1500. I got there at 6:01 PM, right when they closed the door. I was walking to the ATM to make a deposit to cover my overdraft when I passed by their night deposit box (there is a separate smaller building for the ATM and the night deposit box next to the main building). I stopped by the box and saw clear tapes all over it and wondered if it worked at all. I tried to open it and it opened easily. Then, I read the notice above the box, saying that any deposits made before 8:30AM will be posted the same business day and any deposits made after 8:30AM will be processed and posted the next business day. Great, tomorrow my deposit will be posted and my overdraft will be taken care of, so I thought

Thursday afternoon (June 12th), it was not posted yet on my account. I checked it again Friday morning, and still it wasnt there. I called the branch, explained to Tracy that I had made a deposit at their night deposit box and it wasnt posted on my account yet and she said she wasnt even aware they had a night deposit box! After putting me on hold several times, she told me that the night deposit box was no longer used and the key was with outside vendor and there was no way to get them to open it until Monday afternoon. She took my name, account number, phone number and promised to call me back on Monday with a status update.

I didnt receive any call from her on Monday so I called and spoke with a guy who told me that there was nothing they could do except to wait for the ATM department to come and open the box for them. I called the call center again and complained about their service. She connected me with someone from Garden Grove branch, who again told me pretty much the same old story. She even told me that the box was taped because they decided not to use it anymore. I told her I have no idea who and why the box was taped but when I tried to put my deposit in it, it worked just fine and I could open it easily. She told me to call back tomorrow after 1:30PM and they should have an answer for it.

Called back on Tuesday around 5PM and I spoke with Norm, Operation Supervisor at Garden Grove branch and he said they didnt ask the guy to open the box that day and hed make sure everyone there know to ask the ATM guy to open the night deposit box tomorrow. He asked me to call back tomorrow and speak with Roger (Manager) around 12:30ish, approximate time when the ATM guy would be there. I told him I was pretty sure when I call back the day after, they would still not have the combination to open the box. Surprisingly, Norm told me that he had the combination. He needed to look it up but he did have the combination. At that point, I was so upset I didnt even know what to say. All these time I was told nobody in that branch had the combination and now hes telling me that he has the combination??!!

Anyway, he said that hed make sure Roger would give me a call the day after. Unfortunately, Roger also told me the same thing: they still cannot open the night deposit box. He said hed call me again today. I didnt want to wait until the end of day so I called him around 12:30PM today and the ATM guy hadnt been there yet. He promised to call me as soon he gets more information. He called 45 minutes ago and this time, he told me to put stop payment on those checks as they cannot open the box and will need a locksmith to come and open it for them. However, the locksmith will need to arrange time with the ATM department as ATM department is the only one who has the key to get into the ATM building. I told him that it will be too much hassle to get them reissued and they should get the box opened immediately as my bill payments will bounce because I dont have enough fund to pay them. Besides, the ATM department comes by everyday to open the ATM so I really dont see why it is so difficult to arrange a time for the locksmith to come while theyre there. He said hed let me know as soon as he gets the appointment time for the locksmith and the ATM department.

Roger just called and said he got an appointment time tomorrow at noon. I surely hope they will be able to open it tomorrow. Its been going on for a week and Ive been given runarounds from about 5 people about this issue. I think Washington Mutual needs to learn what Customer Service? really means and trains their employees to be more helpful and sincere in assisting the customers.

After she verified (by phone) that this check was legitimate, I asked her to please change the name on the check to that of a third party (Mr. Nelson). I asked that the name be changed so that the funds would not be associated with me in any form (i.e., I was doing a favor for an individual who expressed interest in occupying my apartment, but the situation was a fraud).

As she verified the fund availability I asked her to please, without any interference to my account, write another cashiers check to Mr. Nelson from Colonial Banks cashier check, Document number 2, date of the check Feb. 12 2008, for the amount of $4480 Washington Mutual Bank. Please do note that remitter is Mr. Eric same as the on Colonial Bank check.

Within 3 hours I mailed the check from Washington Mutual to: Mr. Nelson (Document number 3) From February 12th to February 22nd, a period of more than 10 days I was under consideration that all my account activities were performed according to the banking laws. However on February 22nd I received a letter referenced Notice of deposit check? for the amount of $4,500; I went to the bank and asked in regard of over drawn activities. I was informed that the original cashiers check that I brought into Washington Mutual on February 12th was returned as Suspected Counterfeit.

4,500 resulting in a very hard time living in the united states as well as emotional trauma

On the morning of the 17th, I checked my account, as I do every day, only to discover Wamu had processed the payment anyway, after being told not to. I called the customer service line, which was no help. A manager had the nerve to tell me I wouldn't not be reimbursed because there were no notations on my account. My question is, how am I suppose to know if the Rep properly notated the account or not. I am not there with him. I see why Wamu has a bad reputation. I was seriously considering transferring all of my banking needs to Wamu. I don't think so!!!

As a result of Wamu's negligence, my account is severely overdrawn. Which will cost me several hundreds of dollars I will be out of, and everything I have purchased using my card will be either returned or paid with a 35.00 NSF fee that I will incur. THANKS WAMU!!!!!!!!!!

Eventually, I entered either 0 or # or a combo by accident and got someone on the phone. Being a loyal client over 10 years, I requested her to waive the fee due to this hidden fee structure. She escalated it to her manager. However, the manager didn't help at all besides kept repeating their policy.

I went to the bank to check what had happened and discovered that WAMU had deposited the money in the wrong account, and it was still sitting there. I explained to the manager what had happened who asked me to describe the teller that had taken the deposit. i described him. He looked over the account and said that he saw where the deposit was made to the wrong account but could not accept liability for the mistake. I asked him why WAMU would not accept liability and there was evidence showing the Rep wrote the wrong a/c# on the deposit slip and he said that it might have been an error on my part of the Rep hence he would not let WAMU take responsibility for it. I then asked him to write a letter to the apartment complex explaining what had happened. I explained to him that I always make my deposits in the Barret Parkway Branch, and I have been a customer since 2004 and this was the first time that I had run into such and error and he rudely stated that mistakes do happen, he was not ready to take responsibility for the error.

He went to the back office spoke with the teller that made the deposit, came back and said the teller said he could not remember making the deposit. While he was saying that the teller came to where we were and I explained to him what had happened of which he said he was sorry for the mistake.. but before he could utter another word the manager quickly dismissed him. He called the Barret Parkway office vaguely explained that he wanted to know if they were familiar with my name, a deposit was made into a wrong checking account, he wanted to know if by writing a letter to the apartment complex, if WAMU would be accepting liability. The manager on the other bank said she did not think there would be any problem. He repeated several times that he did not want WAMU to be liable for the mistatke, and finally got of the phone advised that he could type a letter to the apartment complex stating that a mistake had occurred where money was deposited to the wrong account but AGAIN would not want WAMU to be liable for the mistake.

He typed up a letter. On company letter head He once again reminded me that he was not taking liability for the error. I advised him that I would take the letter to the apartment complex and take it from there. I purchased an $ 800.00 wamu bankers draft to pay my rent and went back to speak with the property manager. She said that based on the letter from WAMU she could waive the concession fees but WAMU would be liable for the late fee and NSF 100.00 and $60.00 respectively. I went back to the wamu branch to request the manager to take responsibility of the $160.00 caused by the teller's error but he rudely stated that my account is not housed in his branch and although the error had occurred in his bank he would not be obligated to take responsibility for any fees.

I asked if he could elevate the issue to another level of management but he advised that there was no need as per he was the manager and the next level of management would kick the issue back to him. So pretty much I was stuck with the fees. I asked him if he could put his response in writing but at that point he became irate, said he was not a lawyer and his word was as good as writing. He said that I was asking him to draft a legal biding document, which he was not willing to do, all he could say was tht wamu was not taking responsibility for the fees or error and that my account was not housed in his branch, but the Barret Parkway branch. At that point he said I was taking up his take and he had to do other things. I bought a $60.00 Wamu bankers draft, took it to the apartment manager who sympathized with me and waived the 100.00 late fee (against company policy) just to help me out because of WAMU's negligence.

Monetary loss, emotional distress, violation of trust, verbal abuse from the branch manager, damage to my perfect rental history...discrimination because I am an immigrant ...this list is endless

if this wasnt' bad enough my primary residence where i had a an equity line which i used judiciously was taken back because transunion had reported me as alate payment. and guess who the culprit was. yep. wamau..i tried to get it back but they lowballed the appraisal and would not accept an independent appraisal. they finally sent me a lettr saying everyone makes an error and they would correct the info on the credit reports. they did but the damage was immense

I called to complain and was told that this was their policy with newer accounts and that I should just be "more careful" to avoid overdraft feeds. Fine, whatever, I was told that it would be over with in 3 months so I decided to stick it out. Three months passed, and they were STILL doing it!

The very last deposit I made with them was on 5/27/08 was for the amount of $1,260--again, a personal check from a friend. I went into the branch to deposit it, spoke with a teller, and was informed that the money would definitely be available by the first of June, which was important as I was going to be paying my rent with this account. I paid my rent on 6/3/08, just to give the money a little extra time to clear. And--surprise!--the check BOUNCED, despite my last statement showing that I had MORE than enough money to cover everything. I checked my online statement, and to my surprise I couldn't log in. So I went to the nearest ATM (it was after banking hours) to check my balance, and I was refused access to my account. So I called customer service about the issue and was informed that my account was CLOSED (without any notice!) because the check for $1,260 was "suspicious". Now my rent check, and all of the other bills that were due on the first, are coming back unpaid, and I've got late fees up the wazoo. I understand that WaMu is a private institution and that they have a right to refuse my business--but this should be criminal!!

well i called them and said yo can take my APR back to where it suppose to be or i can just not pay it. well she says when a better apr comes along we will drop it lower, we can not do it now. so i have decided now that i am unemployed i will not be paying them $80 a month with only $20 going to the balance. i will be calling them before they call me and let them know i will be buying gas and food not paying a credit card company that steals any chance it gets. i know that changing paying habits is just a way to scam people because i paid another bill from my bank account and they waited 2 days after it was due to say payment was denied or could not process payment.

So that is what I did. I waited until paypal had finished their investigation and had refunded the money. I called them back and asked to have them refund the NSF fees. They refused to because they said that because paypal had refunded the money that paypal was responsible for the NSF fees also. After much discussion and a supposed conversation with his supervisor the rep refused to refund them. So what I get from this is that it would have been better to let WaMu absorb the $800 in fraudulent charges that way they would have refunded my NSF fees. It is impossible to get through to anyone that can help me. They all claim it is another departments problem.

Then the next month, i made another online bill pay thru my credit union, which was rec'd and posted to my account June 4, 11 days before the due date on the statement. Payments made on time every month, then, Wamu cancels my credit card account June 6, just 2 days after recieving my payment.The reason stated is because the 2 payments i made prior that were returned had incorrect routing #s. I have proof that the routing #s I provided were correct. This is unfair. I paid my bills on time and thru no fault of my own was penalized. I have a great credit rating and have no history of late payments.

My good credit rating may take a hit now that this account was closed. My credit card was revoked.

I have attempted to communicate with executives further up the food chain at WaMu and without exception they have completely ignored my requests. You might think they would want to receive payments regularly, but apparently their so-called privacy rules are more important!

At some point, WaMu will want to foreclose their loan, and cause my client more dollars for foreclosure and late fees! This hardly seems fair when they will not provide the information to my client to cure any defaults!

Now today, June 6, WaMu debited the amount out of my account without warning. I called the claims dept. and they said that I did not say that I didn't authorize the transition, I noly said that I didn't do it and that's not good enough. I asked if I could resubmit the letter and they said no, you're just going to have to take the loss. I spoke with Angelique in claims. I begged her to help and she said there's nothing I can do, you have to figure it out on your own or take the loss. I thought banks were supposed to protect their customers. They are rude and unprofessional. I have had nothing but trouble with them.

Now that I am missing that money I am unable to pay bills. I was already having financial difficulty without them doing that!

I called the customer service line and asked why my interest rate keeps changing. I was told that in April I received a notice that the interest rate was going to change and that I had may chance to cancel my card at that time to keep the current rate. Who can read those incerts with the tiny writing that goes on for ever. I wear reading glass and still can't read them, plus it doesn't say were going to raise the interest rate to 31% becuase you don't use your card enought So what's in store for next month 41%? My minimum paymant is $101.00 but $80.00 is for the interest, at this rate I would never pay it off. As it is it will take me 7 months to pay this off as My current balance is $2781.00.

This will cause a hard ship on my family making $400.00 monthly payments which will not leave us any extra fund during the week if an unexpected expense should arise. I will never use them again. They are just plain stealing from their customers. No wonder our ecomomy is in a down hill spin, with people filing banrupt and loseing their homes. WaMu is right their to help the process with 31% interest rates. Thank you.

In March 2008, some new guy took over in Loss Mitigation and told my realtor....he refused to take any of the offers because they were too low. WELL we are almost in a recession (if we're not already) and property values werte dropping like crazy. A month later, they went to the duplex, told the tenants they had 30 days to move and that I no longer owned the property. They moved on 5/15/08 and now the property is just sitting there vacant, no signs outside or on the property.

I never was informed by WAMU that they were taking over the property. I was never, ever offered a Deed in Lieu as promised. My tenants did move and I will give them back their saecurity deposit this week. I wanted to respond because if anyone is successful in starting a class action lawsuit against WAMU, I'll be anxious to get in on it.

Other than stress and physical headaches, which I did not need, because there was another place to live at that time I was fortunate to not be homeless with my 2 grown children. We are all recovering at this time. With all the stuff about good or bad credit my credit, I'm sure will be ruined.

After speaking with several people, since I also called the presidents assistant and the CFO, I was able to speak with someone named Rosie who claimed to be a supervisor for Anabol and another young man I spoke to earlier named Tunson. When I questioned her how it could be she was a supervisor when both had earlier claimed to only report to the president she insisted they had not lied because everyone essentially reports to the president of the company.

Rosie attempted to argue that needing to know my telephone identification number before speaking with anyone was to protect me from identity theft, which makes no sense for two reasons, one, when I called in to the other number, they gave me what I needed to know after answering some personal questions, but more importantly, I still don't know my telephone identification number and I got through.

Huge Waste of Time.

Some of the things that I've noticed lately are the attitudes of tellers (metro Atlanta) - emotionless, rude and uninviting, online customer service - when you ask a question online inquiring about your account, their reply seems to be a cut and paste answer from a handbook. I'm sorry to say, but Wamu is NOT the same bank it was years ago. For these reasons I am closing out my accounts and will gladly sway friends/family from this bank.

They charge when an NSF fee with made it not enough to cover the check. I printed the statment out, took it to the bank and they still did not reimburse me the NSF fee that was placed on my account. I stopped over draft protection because my husband was spending money and not consulting me. The reason being was we had a $500 overdraft protection, but they would charge us $35 for everything that came in. In doing so it has put us in a hold of $900 at one time.

Now they are sending money back when there is money in the account just to get their $35. I am leaving this bank, because I can not balance my account when they are taking money out when I do not expect it.

I call the customer service office, spoke with managers on duty, went to the branch. I was also told that the online banking is not accurate all the time. The people of the branch is not knowledgable at all. When disputing things on my account nothing gets resolved.

I called customer service who told me that I needed to go the nearest branch, close out the account and open a new one. I went right over there (during work hours) and met with a personal banker. She went to get a woman who was more experienced in handling these matters. I notified this experienced woman that my payroll check was scheduled to be deposited on Friday (the next day) and that I needed the money to pay bills. She said not worry, the check would bounce back from the old account and she was make sure it would be re-directed to the new account the very next day and your money would be available on Saturday. I said ARE YOU SURE? She said yes the money will be in your account at 12:01 a.m. Saturday morning.

Well, the money was not there. I tried to access it with my debit card and it would not work. I called to do an automatic transfer of 200.00... twice. I still could not into my account. I went to two branches. One branch could not help me. The second branch did a memo Credit (whatever that is) and she was able to give me 100.00. I thanked the banker and told her I was going to report ms. Experience to her district manager. So I went on to pay some bills which left my account with 59.00 dollars in it.

I checked my account on Tuesday and the 59.00 was still there. Today is Wednesday. I checked it again and there sat in my new account $364.60 in the red! Now I'm histerical! I called direct and got her voice mail. I called customer service explained everything to them what happened. Customer Service said that those two transfer transactions I made went into my new account but bounced back on Monday which is why my account is the red. I said no way I should be responsible for something like that!

My account showed the amount of my paycheck and not anything extra! They sent me back to Ms. who was with a customer and will have to get back with me. Ms. gave me incorrect information about my deposit and now I am on the hook for 360.00 that I cannot afford! I am sick of Chase and I am going to get a paper check from my employer until this is straighten out. I am going to open another account with another bank.

They just last week reversed the charges, took the 1600.00 back out of my account and say they never got my claim form. No call, no nothing. They say they mailed me a letter. I did not receive a letter advising me of the non receipt. They now say since claim is closed there is nothing they can do. Mia at Card Services Dept was beyond rude and condescending. She hung up on me. I was put on a supervisor call list per my request for a Supervisor to call me within 24 to 48 hours. Its been over 3 days and still no call. I can't believe there is nothing they can do. These were clearly fraudulent charges. I should not be responsible. They should be able to reopen the claim. Its within 6 months. Is there some statute of limitations shorter than 6 months? Please help.

The law - section 204 (d)(2) - only states what constitutes a savings account and that an institution must (a) Prevent withdrawals or transfers of funds from this account that are in excess of the limits established by paragraph (d)(2) of this section, or

(b) Adopt procedures to monitor those transfers on an ex post basis and contact customers who exceed the established limits on more than an occasional basis.
Nothing is stated about a fee of any sort. Actually, they are required to prevent this transfer, not charge for it. IT IS INACCURATE AND DISHONEST FOR WAMU TO TELL US THAT THIS FEE IS REQUIRED BY LAW. I believe that it should be a refundable fee.

Another problem I came accross was with their OVERDRAFT PROTECTION PROGRAM. I asked for this "service" after I overdrafted once and wanted to prevent further fees if this happened in the future. I WAS TOLD THAT, AS LONG AS I HAD AT LEAST $100 IN MY SAVINGS ACCOUNT AT ALL TIMES, I WOULD NOT BE CHARGED ANY FEES if I overdrafted. I signed up. A few months later, my husband made a purchase which overdrafted our account. NOT ONLY WAS I CHARGED AN OVERDRAFT FEE, BUT NOW I WAS CHARGED AN ADDITIONAL TRANSFER FEE. OVERDRAFT PROTECTION ACTUALLY COST ME MORE than if I had not signed up. Also, they transferred $20 more than the amount overdrafted, so my savings dwindled considerably.

The latest problem was when I went to obtain copies of cancelled checks at the local branch. I deposited them at that branch and the checks were from another WaMu customer. They could not find them.

In March 2006 my mother passed away and my sister and I settled the estate by June. IN July I paid off my mortgage IN FULL. now, 2008 with my bankcruptcy dismissed, my credit report still shows a balance with WAMU of $186,000. I have a letter from the executive offices stateing that the loand was indeed paid in full! They cant communicate to Transunion, Experion and Equifax that I have no debt with them?

Still contacting these people at Corporate to clean up their act and my credit report. I cannot get a small equity loan to fix my house until this is done.

I feel that the mortgage company knew about our credit scores and that they lied to us by telling us our mortgage was approved, and the day before settlement they tell us our scores are too low and they want to add $200.00 to our PMI. We searched for a house that was in our price range, and by adding the extra money to our payment has put a burden on my family. I have been hospitalized twice now with chest pains. We are trying to get enough money together to move, but nobody will rent to us due to the foreclosure on our credit report. I can't see how my kids can respect me when we don't have a place to live.

My line was taken out in 2007 with a full appraisal and documentation. My dwelling has not decreased in value by 50% in one year and Washington Mutual is in breach of our contract. When questioned, employees at Washington Mutual stated they utilized an AVM to establish my dwellings value, but refuse to identify the company that provided the AVM (Value Model) or the Appraiser responsible. They state there is no paper trail. Employees further stated that Washington Mutual had established an entire department to handle the complaints generated by to their actions; a Rico Statute Violation.

The 50% deterioration verbiage is a standard paragraph in equity lines as well as 30 year fixed mortgages and is utilized to protect the lender when a building is allowed to deteriorate in terms of condition by the owner's neglect, not because of momentary market fluctuations. If this breach of contract is allowed to stand, Washington Mutual as well as other banks will be able to call in fixed rate and adjustable mortgages as well. This unconscionable action will exacerbate deterioration in the Real Estate Market.

When lending a certain amount an appraisal is required in order for the institution to be insured by the FDIC. For them to use an AVM to appraise my home, without a paper trail, is a violation of FDIC rules. This insolvent institution should not be allowed to get 2% money when they have abused their responsibilities. The home owner that is current should get the 2% bail out money and the banks that abuse the system should be paying 6%.

I have been informed by 4 people in the real estate business that their lines have also been reduced by Washington Mutual and other institutions. This is the worst example of predatory lending I am aware of and will have a negative impact on values in Florida for years to come. For the Department of Banking and Finance or the OTC to allow this Rico Statute Fraud is beyond my understanding. The only thing that makes sense out of this procedure is that the government has pre-approved this malicious conduct for insolvent institutions in an attempt to save themselves from their mismanagement.

I have not broken my contract with Washington Mutual, I have not mismanaged my resources, and I am current on my payments. Washington Mutual and others should be required to fulfill their obligations as well. In order to dispute my loan reduction, I am allowed to arrange; through Washington Mutual, and pay for an appraisal through a company called LSI. I am not allowed to get an appraisal from a Florida State Certified Appraiser but must utilize someone that is obviously prejudiced in favor of the institution. The lower the appraisal the more work they get. Talk about corruption; and maybe a kick back.

I am currently applying for a replacement line of credit. Citi Bank has informed me as has Washington Mutual that my dwelling is located in a "deteriorating real estate market" and therefore I can apply for a 70% loan to value instead of an 80% loan to value ratio which is available in other locations. This is the classic definition of Red Lining; a discriminatory practice by which banks, insurance companies, etc., refuse or limit loans, mortgages, insurance, etc., within specific geographic areas, esp. inner-city neighborhoods.

I actually think that the government; OTC and FDIC are supporting the breaking of Washington Mutual's and other financial organization's contractual obligations plus Red Lining out of desperation. A Bank is only solvent as long as the government says it is. It can be insolvent and stay in business forever (Ponzi Business) as long as there isn't a run on the bank. But; if there is justice, this reneging on contracts and Red Lining will most likely provide fuel to the run. Thank you for looking into my complaint. Reduced business opportunity, cost associated with obtaining another line if one is available. Pre payment penility

Some how the loans got mixed up and all the money i had been sending was applied to the 2nd note and the first never received payment which made me deliquent. I thought it was resolved but received a certified letter today stating that i needed to pay $617 to catch up the 1st motgage. WAMU was supposed to mail me a check about 2 months ago and i still havent seen it therefore i have paid late fees trying to catch up. All i want is for them to send me my check so i can forward to other mortgage company.

Its funny how they can add late fees for not receiving a payment but do we as consumers get to charge late fees for not receiving the money that was to be sent to me in a timely manner. Money that is mine to begin with. Money that i can use as a single parent trying to do the right thing and raise two kids. It has put me in a huge bind financially and mentally

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 asked what the new value was and they stated $537,000. I said that was absurd i have proof of neighbors selling comparable homes for $580-600k. They said it was a nationwide % average reduction and locally i may have a higher value. They informed me i could appeal the decrease by having their appraisal company LSI come out and do an actual appraisal and if it appraised higher than their assesed value they would refund the appraisal fee and adjust the equity line.

I went through the process: called LSI, scheduled and appointment, paid for the $150 appraisal (walkthrough with pictures), and waited. I was told that Washington mutual should be contacteing me within a coupole days of the appraisal report being completed. The report was e-mailed to me and another week went by and nobody from Washingtom Mutual contacted me.

I called customer service to inquire about status of the appeal. They said i needed to send my report to the Decrease Department fax# and it would take 15-30 business days to get a response. I said what is there to reply on the appraisal came in at $570k and you have my home assessed at $537k. They said there is a possibility that the credit line may not be increased. I said nobody explained that to me during my last call. She asked me to hold to do some quick calculations.

She came back on and said they would not increase my credit line unless my appraisal was $595k or higher, and even if i send my appraisal in it will most likely be declined. I said that is rediculous nobody explained that to me during the first inquiry 3 weeks ago. Had i know that i would not have wasted my time jumping through hoops trying to show you my house is not diminished in value at my expense. The original representative said as long as the home appraises higher than their electronic assessment they will refund the appraisal fee and increase my credit line.

I asked to speak to a supervisor to find out why my home had to appraise from $537k to $595k for them to do anything about it. She said that the LTV value also went down to 75% and that is why it has to reappraise for such a high amount. I said under those standards and the original $537k appraisal i should only be able to borrow $13k.

This makes no sense. I followed their instructions and they changed the rules along the way. I wasted my time and money of a futule effort. When i pointed this out the the supervisor and demanded my appraisal fee be refunded since the original instruction and goals were met; to have a higher yielding appraisal than they originally estimated. She denied the refund. Whe i said this is poor customer service if they do this then why give the impression that the credit line decrease can be appealed. Why not just decrease the credit lines and not offer an appeal process. The supervisor responded well then we would have customers that are upset. I responded, well what do you think you have now, after i wasted my time AND money to reach the same end result!

I wasted 3 weeks time in trying to get my home reappraised and then $150 in appraisal fee with no increase in credit line. I then wasted 6 weeks trying to refinance with another lender and delaying my home improvment projects over 2 months due to lack of funding.

The representative stated my home equity line was decreased due to declining home values. I asked what the new value was and they stated $537,000. I said that was absurd i have proof of neighbors selling comparable homes for $580-600k. They said it was a nationwide % average reduction and locally i may have a higher value. They informed me i could appeal the decrease by having their appraisal company LSI come out and do an actual appraisal and if it appraised higher than their assesed value they would refund the appraisal fee and adjust the equity line. I went through the process: called LSI, scheduled and appointment, paid for the $150 appraisal (walkthrough with pictures), and waited. I was told that Washington mutual should be contacteing me within a coupole days of the appraisal report being completed.

The report was e-mailed to me and another week went by and nobody from Washingtom Mutual contacted me. I called customer service to inquire about status of the appeal. They said i needed to send my report to the Decrease Department fax# and it would take 15-30 business days to get a response. I said what is there to reply on the appraisal came in at $570k and you have my home assessed at $537k. They said there is a possibility that the credit line may not be increased. I said nobody explained that to me during my last call. She asked me to hold to do some quick calculations. She came back on and said they would not increase my credit line unless my appraisal was $595k or higher, and even if i send my appraisal in it will most likely be declined. I said that is rediculous nobody explained that to me during the first inquiry 3 weeks ago.

Had i know that i would not have wasted my time jumping through hoops trying to show you my house is not diminished in value at my expense. The original representative said as long as the home appraises higher than their electronic assessment they will refund the appraisal fee and increase my credit line. I asked to speak to a supervisor to find out why my home had to appraise from $537k to $595k for them to do anything about it. She said that the LTV value also went down to 75% and that is why it has to reappraise for such a high amount. I said under those standards and the original $537k appraisal i should only be able to borrow $13k.

This makes no sense. I followed their instructions and they changed the rules along the way. I wasted my time and money of a futule effort. When i pointed this out the the supervisor and demanded my appraisal fee be refunded since the original instruction and goals were met; to have a higher yielding appraisal than they originally estimated. She denied the refund. Whe i said this is poor customer service if they do this then why give the impression that the credit line decrease can be appealed. Why not just decrease the credit lines and not offer an appeal process. The supervisor responded "well then we would have customers that are upset". I responded, well what do you think you have now, after i wasted my time AND money to reach the same end result!

I wasted 3 weeks time in trying to get my home reappraised and then $150 in appraisal fee with no increase in credit line. I then wasted 6 weeks trying to refinance with another lender and delaying my home improvement projects over 2 months due to lack of funding.

the bank said they can not do anything about it.Therefore i have to pay for the ballance..

I knew that. She puts me through to a supervisor who is instantly dismissive and rude. He tries to give me the same story about no payee and amount and once again I walk him through the steps I took online. We discover that in choosing Other as a reason to stop payment on a check (the reason I chose), you are not ABLE to enter the amount and payee information because it doesn't come up. The supervisor is obviously shocked by this, but tries to cover his butt by saying, Well I don't know why YOU can't see it (the options), insinuating there's something wrong on my end. I get pretty upset at this point, and shoot back, So you're telling me you can see it? To which he once again replies, I don't know why YOU can't.

I hang up with him and call back later and am connected with another supervisor Ronald. He said the payee and amount information was irrelevant because I had entered a check number and that was enough for the stop payment to work - period. He called the branch where it was cashed, and they refused to connect HIM to a branch manager! I couldn't believe it; they were actually giving their own people the run around! He says he's sincerely sorry, but he can't do anything about it because it was done at a branch and they weren't cooperating. He reversed the $15 fee and told me I would have to take it up as a civil matter with whoever cashed the check. I told him I appreciated his help, but it was absolutely not an issue between the person and me, it was WAMUs fault for cashing a check that had a stop payment on it.

They continuously refused to give me my money back because they said there was nothing they could do about it because the person all ready had the money. Maybe Im crazy but, the person wouldnt have the money if they hadnt ignored the stop payment and given it to them in the first place, right? The branch where the check was cashed was right down the street so I went and met with a manager. She initially tried to give me the same story about the payee and what not, but once I informed her about the 800 number supervisor being refused to be connected to a manager, she quickly changed her tune. She claimed to have reversed the amount, how I dont know seeing as the individual got cash for the check, and apologized calling it human error. What I want to know is how this is legal? Isn't this a matter of bank security? In this day and age with all the fraud and identity theft, how could a bank just outright ignore a stop payment on a check and hand over YOUR money? Not only that, but still charge you for it?

Then I was transferred to the dispute department and spoke w/a customer service rep by the name of Delia in California. When asked to speak w/a supervisor she placed me on hold & then came back & stated the Supervisor Cathy will call me back. I asked for a number to contact the supervisor & was given 1-800.... I asked for the Cathys extension she stated NO. I then asked would this get me in touch with the supervisor & the representative stated yes. Then after further conversation the rep stated I would not be able to directly speak w/a supervisor.

I called customer service back to report the issues I am having w/the dispute department and Charlene Kemphart stated she doesn't believe the dispute department actually have supervisors available & will not be able to assist me further. She also stated she could call herself a supervisor or manager. I can not believe there is not a specific entity to speak with in order to resolve proper complaints. The ability to be able to replace charges on the account which causes previous charges to go overlimit & then apply fees is Fraudulent & Robbery. I am requesting a resolution immediately.

Not only did I receive an overlimit fee when the fraudulent charge occurred, now receiving additional overlimit fees totaling more the $100. I was better off not processing a dispute. Then I would only have to account for one at the time the charge was placed. WAMU should be responsible for ensuring customers receive the proper notification prior to assessing overlimit fees or at least have a chance to speak with upper management without being lied too. They don't even care when you advise the Supervisor a complaint would be filed.

so far this has cost me over 150 dollars on less than 40$ worth of transactions had i known my account was negative i would have deposited money i don't feel its my fault that they offer a service that they do not fully support

I will be in default of my mortgage even though you have my money. Please help

This again happened in Month of may, again I was charged 15$ as late fee. I called Wamu and asked for supervisor and I talked to Catharine in San Antonio customer care center, she called the payee and called me back telling me that I provided incomplete information..mind you that with the same information wamu paid check in month of march. I called payee back and they said they never told wamu about missing information and late fee was charged because of late arrival of check.

I called wamu back and this time I talked to Kelly, now she tells me the same thing about missing information. I asked her about sending me a letter stating this case details with timeline so that I can take the matter up with Payee...she refused and told that she can only provide me information on why I was charged late fee and why my payee refused to refund the money. She might have some issues with giving this information in writing I guess as She become pretty offensive on this matter. Anyways, I spent almost 8 hours on phone with wamu and paid 30$ for no fault of my own. I am done with them and warn you to do online banking with them.

To add insult to injury, I had moved out of my house to try to sell it, then needed to move back in. Hoping, that WAMU would work with me. While still in pre-foreclosure and requesting additional documentation from me for a workout, they (1) sent an inspection company to the house - who then drilled out the deadbolt on the house. Keep in mind there is a huge FOR SALE sign by the realty company in the front yard, a lockbox with a key on the front door, and numerous ways to contact me for permission. (2) After I called the inspection company and WAMU to complain, they then CHANGED the locks so I could not get into my own house. When I called WAMU, another anonymous customer rep told me they had the right to do whatever they wanted because I was late on my mortgage, and if I needed a place to live, I could pay for a locksmith to redrill the locks and get a new key.

I was forced to look into a reorganization bankruptcy, but when WAMU repeatedly refused to communicate with me (even though I had a short sale offer on the house), I was advised to file for a total dissolution bankruptcy. Because they were not willing to work with me at all, there was no motivation to try to keep the house even in bankruptcy. I proved to them that even on disability I could make the minimum payments, but they would not consider working with me at all unless I paid every single penny I was late on. They would not roll the amount into the loan, or add it as a balloon payment. I was told that if I could catch EVERYTHING up, THEN, they would consider me for a loan modification. I finally got someone to be honest and tell me that EVEN IF I were to catch all payments up to date, my credit was already ruined and they would NOT work with me. When I asked if I could talk to someone about doing a deed-in-lieu of foreclosure instead of filing for bankruptcy, they said they would send me the paperwork for approval. Just before hanging up the phone, I heard the customer rep say I don't know why these people wait until they get foreclosed on before trying to do something.

I called one more time about being locked out of the house, and was told again, we can send you a key, your realtor can let you in, or you can hire a locksmith. However, no one could assure me that the foreclosure had been put on hold even though a short sale contract had been submitted and I had offered to catch up the past due amounts. I am proceeding with bankruptcy, and am looking to move back home with family.

I tried to be responsible, never complained about the adjustable rate, paid my payments on time, and tried to get ahead of the problem while working through a second recurrence of cancer. I did not want to walk away from the responsibility, I did not want to file for bankruptcy, and I wanted to keep the house, and was willing to keep the mortgage even though the market value had dropped by almost $100,000. WAMU's response was to lock me out of my house before foreclosure, without notice, without permission, without apology, and without legal right.

I would like to know if anyone else has been illegally kicked out of their home before foreclosure, while still being told they are still legally responsible for the debt?

I believe that this is illegal. I understand that home values fell 10-15% in a year, but there is no excuse to reduce Line of Credit for 90%. Someone needs to protect consumers from this kind of practice.

So, I wait. And wait. A week later and no pin, I go to a branch. I tell the guy I need a pin and he says you should have received it WITH your card. Seriously? How secure is that? I tell him no, but he won't believe me. He tells me he can't get me a pin, but he'd be happy to change the name on my account that the first said she couldn't do. So, i call CUSTOMER SERVICE. I'm told I can't be helped with a pin, so I ask for a supervisor. At which point the woman says fine, but i'm telling you now he won't be able to give you a pin. Pardon me, I thought I called CUSTOMER SERVICE. So, sure enough I'm told not only that he can't get me a PIN then (he can order one and I'll have it in 7-10 business days - A FULL MONTH AFTER I STARTED THIS MESS), but that no pin has ever been ordered for these cards.

So, I go back to the branch I went to last week with my paperwork from when I got the cards (now I had to prove I was right). I spoke with a branch manager who asked me to swipe my cards and use the old pin number I had for my old cards. Sure enough they worked! Okay, even she seemed surprised that no one had asked me to do that in 2 weeks.

Here's the worst part about WAMU - no one seems to know what they're doing. And everyone tells you something different. That's fine, but not when you're dealing with people's personal finances. They need more people to pull their money out of their bank so they go under (I plan to do that when I move next month, and my husband will be closing his WAMU accounts too)!

I had to get a loan, with the car as collateral, from American General to get the account back into the green. There was nothing I could do to stop the bank from paying out money I didn't have, there is no such thing as courtesy overdraft fees, that's ridiculous. I've looked and looked for a bank, or credit union, or someone that will give me a checking account that absolutely Will NOT pay people money I simply do not have! They can Wait for me to be able to pay them, they don't have to gouge me to death like this.

...banks like Chase will practically dig a grave and bury you in it, so to speak. I did manage to convince the bank manager to reverse $70 worth of fees, but since the fees that smacked me were far more than that, it was like a drop in the bucket.

The 2 bills I paid over the phone will not let anyone use a check over the phone, and the bills are in my mother in laws name. I'm honestly scared to put money into the account.

My concern is that the other six thousand six hundred dollars now vanished into thin air. When I contacted WaMu about the credit reduction on my home they stated that in 2007 the home was appraised for thirty five thousand more than it was worth and now the value has decreased based on their home value assessment, that was the cause for the reduction on the line of credit. They stated, Even if I did not pay eight thousand on the principal I would still owe thirty five thousand. I should not be penalized by them for their mistake. I consider myself a valued customer because I have never been delinquent on any payments.

I expressed my concern to their consumer lending support center and they have not offered a solution to the problem. I believe that if I paid eight thousand dollars they should apply it to the new reduced amount of twenty eight thousand or they should increase the home equity line back to thirty five thousand. My six thousand dollars should not have vanished into thin air. I would appreciate your prompt inquiry into this matter.

Called customer service - rep agreed it looked odd and started an investigation and suggested that I resubmit the payment - I knew better. The investigation would take up to five days. I also wrote to WAMU via online and received a message that I would receive a reply about the NSF charge in five days. In about three days - the payment was listed on my ledger as having been paid - even though the rep told me it couldn't be once it was canceled and even though I was advised to resubmit the payment - which I didn't. In the meantime I had written to my creditor and explained that the bank had incorrectly refused their e-bill and they had no idea what I was writing about as they had been paid?

4. The error was over $1,000 and I decided that I needed to change banks as I couldn't get a straight answer from WAMU customer service and was astounded about the run around - one message even stated, Thank you for your concern... My concern? It is my account! Things were weird and they hadn't even admitted their error or given me back my courtesy NSF. I spent over a week transferring money out of WAMU to a linked savings account; changing all my bill payments and opened a new checking account elsewhere - I was ready to close the WAMU accounts - no way...

First call was met with, We are having technical difficulties, can you call back. Called back ten minutes later, I can close one account over the phone but you will have to visit a branch or send a letter to close the other. I explained that I opened my accounts online - had no branch - and was assigned to Internet banking and I insisted that he please close both accounts - today. I was put on hold. Finally, after five minutes he came back we went back and forth and then he came up with - You need a zero balance to close your accounts. I said, Mail the remaining balance as a check. We went back and forth and I became agitated and continued to insist he close both accounts. He verified my address where the check would be mailed and finally agreed to close both accounts - I asked for a confirmation number.

They did not in fact close both accounts - they closed the checking and transferred the money to the savings where it sits. I am just simply astounded that any business could handle folks money in such a shoddy and cavalier manner and not be penalized in some way. I write this to warn others that you face similar treatment if you enter the WAMU Twilight Zone - stay away from them and save yourself the hassle and stress. I had been a good customer for nearly two years and was generally satisfied. But a bank that will make a major transactional error while handling a large payment and not apologize or follow up with an investigation is frankly, scary.

Chase refused to dispute the charge and refused to close my accts so the charges continue to acrue. I have been reduced in hours at work from 40 to 20-25 hours a week, I couldnt afford to pay Direct TV at the time and cant afford to pay Chases mistake now. If someone tries to run a card and there are insufficient funds it is turned away. Chase should have turned the charges down and were only interested in what fees they can charge me. It was theft on Direct TVs part and greed on Chases part. Point is, they souldnt have and shouldnt be allowed to issue funds without a customers authorization. Checks are signed and CCs are signed. What is there to protect us against Debit cards that there was no PIN used on to Authorize the transaction. It should have been treated as a CC then and rejected for lack of funds.

I now have 400.00+ in fees and cant pay, My credit will take a huge hit and I have no idea when I can catch it up. Its all I can do to keep up with the Mortgage, car payments, insurance, gas, and groceries for our 3 kids. If I pay Chases mistake then something of more importance will not and Ill lose it, house, cars, etc.

On April 17, I suddenly received numerous letters from WaMu in my mail. (Not my EMAiL, mind you, but the MAiL! Go technology!) I logged in immediately to my WaMu account and realized that I had somehow inverted or mistyped my bank account number I was required to supply off of my checks. I fixed the information and made my payments again. $15 minimum payment, $50 extra. Oh and I got to pay a lovely $39 late fee that could have been avoided if they'd contacted me at any time in the 2 weeks following my payment and before the payment was actually due.

Yesterday, (May 10) I received a letter in the mail from WaMu: Your payment for $50 was returned unpaid. As a result, your account will be debited for the check amount and your credit card account(s) has been permaently closed. Please destroy your credit card(s) and any checks or other offers you may receive from us. etc. Pretty brutal, huh? Kay, I realize I screwed up in typing the account number. But I fixed it and they got their payment. A day late, but they got it. Then they got another $50 on top of it which even went above and beyond their late charge. And that's what this letter is referring to and the reason my account was closed. The extra $50 I wasn't even required to pay them yet. The little to no margin of error with this company is scary. Have I happened to mention how much I adore Capital One?!!

Second time, I was on the phone for over 40 minutes, literally, 40 minutes (I know because they phone had a time read-out)! I would have stayed on longer but the guy at the hotel at to make me get off because I was tying up his phone line.

So then I called back on October 28th and the guy told me the card had already been sent . . . back in July! Well, no card ever arrived and I called the executive office Friday, which confirmed that they had never even sent the card despite my requests. Best part: I finally received my card in January after returning to the United States; didn't even get my PIN number until April!

A lot of sleepless nights, still recovering and I can't say my brain is a 100 percent yet . . . a lot of chronic headaches and general fatigue. Hard to get things accomplished. I had to live on the little I had in traveler's checks, and really had to stay in hotels (if you can call them that) I never would have stayed in otherwise and spent two nights on buses . . . hoping my health returns soon, or at least someday . . .

The 2nd month I got a charge of $10 excessive fee for having 7 time internal transfer. I call them and telling them I did not know about it and hopefully they can waive the fee. I get all the way to the supervisor and putting on hold for almost 10 minutes. They cited me with all those Federal Reserve rule. They insisted they cannot waive the $10. I got very mad and told to close all my account and transfer to my checking, so I can close it with a couple of day. The supervisor said if I do online I get another charge of $10. I have to go to the balance to close it.

I called customer service on 5-7-08. The lady was very difficult to communicate with. I told her what happened and she replied in ways that made no sense, and repeatedly stated that I made the deposit after I told her I did not. Her supervisor told me she would send an email to the bank mgr Jeff at my request asking him to contact me.

As of 2 days later he had not. I called the claims dept as advised 5-8-08 and spoke with Amy, who informed me first that it must have been a forgery then upon a closer look that the check was not made out to me. She called me back today and said the $10 was back in the acct and it would take 24-48 hrs to get the rest. When I asked her to call the branch about compensation she repeatedly said that it would be better coming from you. She said similar things about 7 times before agreeing to contact the branch.

This branch also told me yes when I asked if the overdraft protection would be the same as my old bank, and I found out later Chase charges a $10 fee for use of overdraft protection and that when online bill pay is used the money is taken from the acct. immediately, regardless of whether the payee receives the check or decides not to cash it (thank you, Mark of IL). The bank mgr did agree to reverse one fee due to that confusion, however I felt misled when opening the acct.

I want to be returned to the state I was in before I was misled then money illegally taken from my acct. Returning money 3 1/2 weeks later does not compensate me for spending time on the phone with customer service and with the claims dept, and time w/out access to my own funds. I want proof the bank cares about its customers: money compensation or the ability to close the account without owing the $100 bonus. The clerical error was outrageous; to treat a customer reporting this error like an annoyance is much more outrageous.

Over a month has gone and Washington Mutual has not refunded my money.I have called them several times and continue to ignore me. This is worst experience I ever had with a bank. Washington Mutual is not to be trusted, offers no protection to his customers and when sometime ago I ignored some friends and acquaintances complaining that $500.00 or $300.00 were disappearing from their accounts and the bank were making it very difficult for them to get their money back, I regret that I didn't listen to them at that time.I will be closing all my accounts with them.

A lot of money is in question here and this has caused me a lot of sleeplessness and stress.

I contacted WAMU and was told it was my fault. I sucked it up and paid the $150 fee to my apartment complex plus a $50 returned check fee. The same day (my move-in day) I deposited $1530 in CASH to my checking account to cover my security deposit and first month's rent. It has been a week and my CASH deposit is still on hold, they have returned my checks to the apartment complex as overdrafts, then put a hold on part of my DIRECT DEPOSIT from my job.

I also paid two of my utilities companies with this account, and even though there is enough available funds to cover both, they returned them as NSF. I have repeatedly contacted them about this problem. I cannot get a person on the phone, just the automated system. I have sent messages via their website and have gotten canned answers that have nothing to do with my problem. Now I have to borrow $2000 just to cover all the things they returned and pay hefty fees. I work odd hours, so going to a branch is pretty much out of the question.

I now have to pay 3 $50 fees to my apartment complex, a $50 fee to my cable company, a $25 fee to my power company plus the $34 each charge from the bank. I have NO ACCESS to my money. I'm a single parent and I have to borrow money just to have food for my son. I could lose my apartment or they could raise my rent from the special rate to the market rate of $931/month. My credit is suffering. I have been so upset and stressed out that I have had two migraines in a week that required medical attention. I have not been able to sleep or eat worrying about this.

It is now 3 weeks later, I've been trying to get the funds back into my account, the excuse I get from Ariel and Marie is that customer service just doesn't answer the phone... They're both on hold for hours at a time.

I need that money desperately, I live paycheck to paycheck and every bit counts. It's just not fair that the bank made the error and i am without money that I need to survive on. I keep getting the run around everytime I call the bank and when I do leave messages, they don't return my calls.

Wamu claims I can have an apprasial done on my home by a company named L.S.I.. I CAN NOT bring in an independent appraiser. They claim they will refund me the appraisal amount if my home comes in at $xx. I asked Wamu to forwrard me thier recent appraisal findings and they said they were unable to do so. Their figure shows my property value is now worth $60,000 LESS than it was 18 months ago.

Also, I am paying taxes and insurance on the original appraised amount (higher amount). So really my mortgage payment should be decreased (as my taxes and insurances are escrowed) to fit the NEW appraisal amount. The rep for Wamu told me that my insurance companies would have to call them to discuss that. I am already in a dispute with them (18 months now) over my oringinal mortgage loan that they botched and still have not corrected the situation.

Between my battle over the botched mortage loan and the recent HELOC nightmare--this is going to kill me financially. I honestly do not know what I am going to do. My equity line is used as buffer and provides me with a sense of security in case of emergency etc..I need to have access to that money. I am a hard working, educated single parent. This company has ruined me. I can't sell my home and I can't keep my home. I will fight them to the end though.

I wish the government would do something about this before we all lose our homes. I am more than possitive that I am not the only one they have done this to. they are not even my original mortgage co. I had no say in who bought my mortgage so that just leaves me high and dry, to let them do what they do best. I wish some one would help!

To this day I have been told several times that they would fix the problem and yet have not. Now when I call they just leave me on hold until I get ****** off and hang up.

I have been faxing the same paperwork to countless fax numbers and spent hours repeating my name, address, phone and last 4 digits of my ss# to no avail. I still have no loan modification, no answer as to why my payment jumped so much a month. I have explained myself to tears and now in the next month will loose my home, and my 3 children and I will have no place to live.

It turns out it was in recovery for not being able to pay the balance of only $150.00. That was all he charged. They never mailed out a single statements and because of that our excellent credit score could have been ruined for a measly $150 due to Washington Mutual's incompetency. We are planning to close our account and NEVER again deal with this C-Rated Bank.

Our credit score would have been ruined if my husband didn't inform me about the credit card account that hasn't been arriving.

I asked for the missing bills and was told we are not sending you any more bills or letters. If you want a copy of a bill you have to put request in writing. O.K. what is the address and since I want to pay my April bill where do I send my payment. She said she couldn't give me that information over the phone. I asked, why not. You have to put request in writing.

Finally, after a few go-rounds of this conversation I was given a fax number and could send my letter to that number. I then questioned the fact that since I was not aware of the current status of my card account, what would happen if I didn't call but waited for a bill since sometimes mail is lost. I was told in no uncertain terms, well, it's your bill. It's up to you to call. We don't contact you. Once again, I asked, what would happen if I didn't call, what happens to my account. Oh, you account would be sold to someone.

Thiis became an unbelievable conversation. I had to ask, who are you and where are you. What is the name of your company. None of this information was forthcoming up front. I am assuming that WAMU wants to sell these accounts and are not going to contact customers. I guess they will make more money by selling and not by allowing customers to pay their bills. Sounds fishy to me and that WAMU is manipulating customers. I had to go to a local WAMU branch near my home to tell my story, get the right telephone number and where to send a payment. Keep you eye on the practices of this bank. Not interested in paying customers and they want you to bank with them!

She was ordered to go into the bank and withdrawal $8,000, she does not have the proper ID so they did not give it to her. The three individual then drove her to another location of Chase Bank, and thats where they go the money out of the account and left. They pushed her out of the car and drove off after a few blocks.

What I dont understand how the bank would give her $8,000. She provided three IDs include her US Passport (this has been expired since 2005), her Non Drivers ID, (this has been expired since 2000, around there) and her work ID, which just get her picture and name. Ive ask who can they give her the money without proper identification and they Ms. Roc (Branch Manager) replied, she was under some kind of Hypnotism, she was not there at the time, so I dont know how she knows that.

She also mention her assistance who the transaction was done by said they verify her by the documents and questions that the have in the computer. When I ask what questions she was verified by she cannot answer me that, she kept saying she verify her by the questions in the computer. All of this is happening at the front desk of the bank, I would suppose the bank does have an office for their Manager to take issue like this into the office. But all was done in front of all of the customers in the bank; she was very unprofessional and rude and didnt want to office any assistance. Wheres the customer privacy?

Ive asked for Chase Corporate number to file a complaint and I was told she does not have it. Please help with all advised of what can be done. The bottom line is she was under something what was controlling her, the bank should of notice that, one of the person actually went into the bank with her. They bank should of not let someone walk out of the bank with $8,000.00 without proper verification, but did. On top of that matter, no one at chase wants to office any kind of assistance.

She will not go back into that area of work, she's scared for her life. Which is not a problem with Chase, as they will not even care

I called and complained, went through one person to the supervisor and got the run around. She stated she couldn't do anything about it until the time came where WAMU reevaluates it. she could not tell me when that time would be. It has been 7 months and they have yet to reevaluate. I am just disgusted with these people.

The economic damage is the difference between 8.99% and 24.99% on $6,000. Loed knows what that will come out to be by the time it's paid for.

I called Wamu and they said it was the store charging me twice.So I spent two hours dealing with the store and there corporate office traced it back to Wamu, they said they were still holding for some reason.So I called Wamu back, I explained the situation again so he said I had to get the store on a conference call so they can remove the hold, so I did, and they removed the hold.

Meanwhile I got out of the customer rep that they were having some problems with similar situations. So no problem yet. Until later that afternoon, I received an overdraft fee for 34.00 ,it was reversed also, but they didn't reverse it because they made the mistake in the first place. They used my one overdraft reversal I had available.

Also a check posted to the account when it was negative and was returned, I will probabally get a charge from them now.

I called WAMU and explained the whole thing again, I explained how the whole thing was not my fault, but they don't like to hear that, so he said hang on I need to talk to a manager. I waited on hold for 10 minutes and the manager got on the phone and said, yes sir, I heard you wanted to speak to me unbelievable, now I had to explain it all over again, but she wasn't listening to anything I said, all she said was the reason the check was returned was because your account was overdrawn.

Now I am pretty upset. I had to keep explaining that it was not my fault, I only spent the money that was available in my account and she wasn't hearing any of it. She kept saying it is not Washington Mutuals fault. I told her I wanted to speak to her manager, and she got wise and said give me your phone # and I will have one call you Monday. This situation is a lot more upsetting than it sounds and the manager was really rude. I thought I liked this account, but I guess I don't.

Maybe they just don't care about their customers. I told her that I am closing this account because I can't believe how you treat customers. She said have a nice night sir. The problem is really turned out to be customer service.

So as instructed, I opened both accounts on the same day, although the Savings account did not get funded until January 30th. Although the interest rates have come down, they were as follows between February and April. This information was provided to me by one of the WaMu customer service representatives: * 2/15 - 3/20 = 3.93% * 3/21 - 3/28 = 3.49% * 3/28 - present = 3.25% But as I noticed on my account statements that I was only getting 0.25% interest, instead of these higher rates.

So I called WaMu on April 16th, and spoke with a manager named Cindy Davis (extension 5059). I was told that I was only getting the Standard Rate for savings accounts, instead of the higher Relationship Rate. I asked Ms. Davis to retro-actively credit my account at the higher interest rates, instead of the 0.25%, since WaMu had mistakenly not linked my accounts. She said that there seemed to be a mistake on WaMu's part in not linking my two accounts together, and that she would file an official review with the wamu.com back office. Ms. Davis indicated that corrective action would be taken within 3-5 business days in the form of an official letter response to my home address, and the appropriate interest rate credit. She also linked up my checking and savings account, so that I could realize the higher rates going forward.

I requested that I get a phone call about this situation, and a few days later, I did get a phone call message from the WaMu Management Resolution Group saying that I should call them back. So I called them back, but all I kept getting was a general voicemail box for Team 34. I left them several messages to call me back on my cellphone, but failed to get any response back. I left detailed messages with my account number, phone number, and the interest rate problem, and to call me back. But I got no further response from anyone on Team 34. The next day, I called WaMu customer service and asked them to calculate the interest amount I should have earned based upon my balance in my Online Savings account for the months of February, March and April.

This time I was told that they can give me the interest rates, but they cannot help me calculate the actual interest amounts I should have earned. They said that only the back office could do this, and that if I wanted this information, I should do the calculations myself. Again, I was told to wait a few more days to get an official response by letter. So I waited a few more business days, and got no response. So I called WaMu Customer Service again. This time, I spoke with a different manager, who told me that she could not give a status update, because whatever decisions that would be made would be sent out in a letter. But she did inform me that Ms. Davis had filed my interest rate review on April 18 (2 days after my call with her).

Because I received no phone calls, and no letters, I called WaMu Customer Service on April 29, and after much discussions with the customer service rep, finally spoke with a senior manager, named Katie Biltz, based in the New York call center. She informed me that the back office had made a final decision that it was my mistake, because I did not open both the checking and savings account at the same time using the same application. I mentioned that this is not what their website states (as noted above). Wamu.com only says that you need to have both accounts, but nothing about the fact that they need to be opened using a single application. I asked Ms. Biltz to help escalate this decision to their back office, as well as to her manager, and she refused.

She told me there is no further escalation I can do, because the wamu.com back office had made a final decision, regardless of the fact that I was promised a written letter of their official decision. Now, Ms. Biltz said that Ms. Davis was wrong about this, and that I will not be sent any letters, and no official communications about their decision. And if I was not happy with their decision, I was told to send a complaint to an entirely different department that handles general WaMu account services. This is unacceptable behavior, and customer service. Either they should change their website information about the Online Savings account, or they should honor it and give the interest due. But putting the blame squarely on the customer is not right. And by telling me that I have no further recourse, with no official communications in the form a written response is also unacceptable.

As a consumer with limited knowledge about the mechanics and processed in opening online savings accounts, especially one where the higher interest rates require multiple accounts to be opened simultaneously, WaMu's position that it is all my fault is disingenuous. I did what I was asked to do, which was to open a checking and savings account on the same day. It is WaMu's responsibility to link them and to provide me the higher interest rates as they have advertised. I would greatly appreciate your investigation into this matter, and to help remedy my being cheated out of thousands of dollars of interest income. Thank you very much.

I have been cheated out of thousands dollars of interest income, despite having done what the wamu.com website instructs. I could have earned high interest income with another online bank.

I called the bank by phone number and they transfered me right back to the branch manager that refused to help me. I was not asking for all of the fees to be removed but they could help me more than they did. I had several charges that were less than $20.00 including some that were less than $5.00 and they charged me $35.00 for every one of them. It was a stupid mistake on my part but there should be a maximum amount of fees that they can charge for one simple mistake. Because of this, I have no money in my account right now and when my tax rebate comes in, it will go to Chase Bank.

They took a week worth of pay out of my last two weeks of work! After paying all of my bills and thinking I had all the money in my account they threw me into negative. They went into my account, without notifying me, and took out another weeks worth of pay. Now remind you they already took a weeks worth of pay from my last paycheck and now took another week by going into my account. This company still owes me $1000.00. I have been fighting it since 2001 and here it is 2008. Never work for them let alone bank with them!

They have sent me to collections due to the negative amount in my account cause of them. This negative amount wasnt my fault. It was cause of them taking my money. I have refused to pay this bill cause they owe me money. Now its on my credit and its of course a closed account now and deliquent and it has majorly ruined my credit. Now they have made it to where I can't get my own bank account for 7 years starting from the day they closed my account! So now I have to wait another 4 years before I can get an account by myself.

It took a week to get my debit card (this was of course right before Christmas and my daughter's wedding) and more than a week to replace the money taken out of my accound fraudulently. I also emailed the website in China and TRIED to communicate with a person who clearly did NOT speak much English which was obvious from our *live person* communication. I was told there was nothing they could do and that the charge had already cleared. I asked for a supervisor/manager/owner and he said I would have to get back to them the next day as it was a different time there and no one in that position was there at 2:00am.

Then on December 28th 2007 I recieved a letter from WaMu Debit Card Claims from ALEX WILSON who was investigating my fraud claim. I was to fill out this Affidavit and return it in 10 days. I filled it out on 12/29/07. My daughter was getting married that night, so I laid it on my counter, and it got buried and/or misplaced and never sent, which I guess was partly my fault. Then I got another letter February 26th 2008 stating that WAMU has closed the investigation and since I did not send the affidavit to them in the timely manner I was suppose to (10 days) they were reversing the credit of $205.75, and that I better make sure there are sufficient funds.

I called this department and tried to explain I had misplaced this affidavit and it was a rather stressful time with my daughter's wedding and all that was going on, and the woman I spoke with was extremely RUDE and said, *that's not OUR problem.* So they took $205.75 out of my account. I had to transfer money from my small amount of savings to cover this amount because I had other bills to pay and this left me financially strapped and stressed. Then on 4/26/08 I recieved an email notice from WAMU so I went to my accounts online and there was a$10.00 EXCESS ACTIVITY FEE which I had NO idea what that was so I enquired with an email and they told me that my savings account is a *Limited Transaction Account* and that this type of account has likmitations placed on the amount and type of transactions which may be performed, due to FEDERAL REGULATION.

I was charged this fee because the account exceeded the number of transactions allowed. My statement savings can have only *SIX* limited transactions within a statement cycle without penalty. They went on to say I can find their policy regarding *Limited Transaction Amounts* in the Account Disclosures and Regulations relating to deposit accounts and other services and electronic fund transfer agreement and disclosures under the heading: Limited Transaction Accounts. This brochure is given to ALL customers anytime an account is opened. I have been with WAMU since the early 1990's, and I am quite certain I do not have that brochure, nor was I even aware OF this policy. The person who wrote me this email is: Paul Shaj Mannencheril/ Washington Mutual Customer Service who apologizes if this has caused me any inconvenience. Gee, thanks Paul...NO problem. I didn't need that $10 you took from my account. Just help yourself.

Having taken back the $205.75 that was STOLEN out of my account online has added financial stress to my life just as the $10.00 has. I survive on Social Security Disability, and 2 very small pensions, so YES.....this incident has created financial and emotional issues. I have copies of ALL correspondence in regard to the fraud situation and the excess activity fee incident.

I called them back and asked to speak to a manager because most of the customer service people do not speak english. First, they don't let you directly speak to the people in the levy department so everytime i asked a question i was put on hold for them to ask it for me. I requested that they send the info again and they told me that i had to pay $35, eventhough I still have not received the original paperwork. All they kept saying is sorry and were not will to help at all, so basically I had all this money taken out of my account with no proof that it was for legit reasons except for what customer service told me.

The money taken from my account was exempt because it was financial aid for my tuition. In order for me to file for a hearing I need the paperwork and they are putting a delay on me getting my money back which will also delay me paying my tuition for summer.

In number of time I've been question with all WaMu branches managers about my issues and they just ignore my issues.

Reps for WAMU informed us that they would never sell to us an intimated we were the wrong shade.They kicked us out off the property with 1 day notice and refused to allow us to take our SS cards,pass- ports and the medication need for my children and myself as well as clothing wedding rings,computers and many other items including cash.

We are now homeless.Even worse, an employee in the Executive Office said to get over it and start new and that if someone in my family died we would have insurance to start over!!!We wrote to the top officials at WAMU,Kerry Killinger and Stephen Rotella and they refused to intervene or respond.When we called back we were told these persons agreed with the treatment we received and we should be glad we werent sued for wasting their time.

We have had real estate agents and mortgage bankers call so we could buy the property but when it was indicated we were the purchasers WAMU cut off all communication. While we have called WAMU in excess of 30 times to resolve this problem we have only receive 1 callback though we are promised a response within 48 business hours.Based on their treatment of us we have to assumed this is somehow ethnically based which is illegal;when we suggested this we were told to sue and see how far it goes and that they have been sued before and havent loss.....

We are homeless without medical care, prescribed medication and 98% of our personal property.The doctors feel that I may suffer another heart attack due to the stress ar posssibly a stroke.My children are constantly ill and missing school and my wife is considering a divorce or separation at best.While the financial strain may be intolerable at this point the mental stress on us is incalculable.

I call this morning to inquire why my money was not there I was told a new story 5-7 business days. I asked to speak to 1 supervisor who hung up on me and another who told me that there were liars working there and they have given me incorrect information. I will be closing my account by the end of the day.

i have asked for a rate reduction but have had no success,my minimum payment is 279.00 a month now.

When I received my first statement, there was more than $30 finance charges. I called and asked what happened. It was my first bill, and I am planning to pay off the balance transfers. However, they told me that from the first day of the balance transfer, they need to charge the finance charge on the balance transfer. I asked if it can be waived since I will pay off everything & it was my first bill. They said no and will only stop the finance charges as long as I pay off everything.

Then later I found out that the money I paid to cover the balance transfers total but they applied them to all the new credit card charges I made instead of the statement balance. I asked them why, they replied that because whenever and whatever amount they receive, they will apply to the credit card charges first, and of course, they will continue to charge me finance charges on the balance transfers, which I thought I have already paid off.

So, I paid them everything. Today, I received my 2nd statement, and there is a new finance charge, I asked what happened. They stated that it is the remaining finance charges due to my new charges and the time before they received my payments. I asked what is the way to stop their money making from me like that. The result is to stop using that stupid WAMU VISA card, and pay off every single penny.

In today's electronic banking era it doesn't take two weeks for checks to clear. I understand that banks will place a temporary hold on certain types of checks from time to time, but it seems WAMU is taking advantage of my money and penalizing me for making a large deposit. If the bank puts this type of hold on all small businesses, it will restrict the businesses ability to pay its suppliers in a timely manner. This banking practice is unfriendly and should not be allowed to occur. If you are a small business be aware of this new WAMU banking practice. By the way, the deposit receipt even says that they will pay any fees for overdrafts or returned checks that result from the hold when the checks clear, but only upon request. This must be the new way for WAMU to generate new fees and penalize its customers for banking with them.

Fortunately we have a healthy cash flow, so the hold doesn't impact us. It concerns me though that this new practice could lead to other anti-consumer/small business practices.

Now I have been turned back over to the collections department who is putting words in to my mouth saying that I am refusing to make y payment when that is not the case at all. I will not send payments through the mail for personal reasons thus leaving me with online payments which is fine but the way I look at this is if they transfer me hang up on me and lock me out of my account is them refusing to take my payment, which if I am not mistaken in the state of California means my balance is paid in full. I am tired of fighting with these morons, they are trashing my credit and I have had about all I can take.

They absolutely have NO IDEA anything about customer service. Not to mention they assessed 2 late payment fees for locking me out of my account the first 2 times which they have said they will return to my account AFTER I pay it current, how does that work if I owe money they want it NOW but as the consumer I think they should have to return it since they screwed up and include the interest, which will never happen according to them and their lovely collection company IC collections. What do I do from here?

My credit has been seriously impacted. They have harassed me to the extent of me turning my phone off which mind you I need for work. All hours of everyday. It is sad that a consumer should have to be treated this way. Also was declined to refinance my truck because of them!!

I was charged for a $33 overdraft charge which should have been waved.

At this point, after talking to my sister inlaw, a family friend in the mtg ind and my brother in law, an appraiser, it seems we may be victims of a BAIT & SWITCH.. Meaning, WAMU baited us with a PROMISE and COMMITMENT of 5.125% but NOW are scurrying around because THAT RATE does NOT EXIST!!! I am being told by EVERYONE that this rate hasn't existed in months. My lawyer is recommending we seek other lenders! WHY??? Why isn't he STRONGARMING them into the rate they promised us and the rate we signed for with NO POINTS??? Shouldn't my attorney being making WAMU aware of the RESPA & HUD LAWS??? And that by changing ANY part of what they promised and agreed to, they are opening themselves up to being sued for bait and switch????

I am at my wit's end.. It seems like NO ONE in the Realestate Business is ethical or looks out for the BUYER!! Everything's about money no matter WHO gets hurt... WAMU WILL be held accountable for turning my life into the turmoil that they have.

We have lost money for all inspections, surveys, legal fees... We have been through nothing but emotional turmoil since 4/10. I am physically and emotionally drained. I will not have any faith in the legal or real estate professions if this is ALLOWED to go on. I cannot believe there isn't more Federal Regulation of lending ins

Just this afternoon (April 17, 2008), I transferred $50.00 from my savings to my checking. My wife is currently laid up and not able to work (short-term). Anyway, under these circumstances I have needed to access my savings. I probably have accessed it (maybe) 3 or 4 times in the last 30 or more days (at least thats what it seemed like to me). I was shocked because when I went to confirm the transfer amount and accounts (I dont recall receiving any warning at all), it suddenly showed an additional $10.00 charge on the account (excessive usage fee)? HOGWASH!!! I am transferring all money to Wachovia and closing my accounts. Im sure this does not affect Washington Mutual greatly, but if I were an attorney, I think this kind of service would justify a class action lawsuit!

I explained to branch manager that I had account at bank for almost 20 years and had a continuous flow of funds over $10,000 a month and that my son had had account for a number of years and that I needed her help in getting funds deposited as he had to pay tuition asap.She said sorry cant do nothing for you and I then said as the Branch Manager you have the power to do anything and I need your help.She then turned and just walked away leaving me standing at the Teller window.I never met such an incompetent manager in all my life.It is scary to think that she is resposible for a bank.I will close out all of my accounts within the next two weeks at this bank.

I was told to sit and wait. They will send me a letter when I am eligible. I only owe $375 and will pay it off next month if not this month. It seems unlawful to not take a request into consideration. They could not give me a reason or could not tell me why I cannot have a reduction. 31.99 % is a loan shark! We have several credit cards that have high interest rates and we are working very hard to pay them off. We got into financial trouble when my husband's career of 15 years was eliminated from his employer. He had to start his own business and we are trying to recover from this catastrophic financial mess. We are good people, educated, and hard workers. We don't deserve this interest rate.

Only emotional stress...I'll survive.

Although payment was made in accordance with directions on statement before a late fee would apply, a late fee was applied. All of this is documented by WAMU. Despite and contrary to stated directions on bank monthly statements WAMU claims phone payments must be received before 3pm Eastern Standard Time. How much money do suppose WAMU collects from this scam?

i am getting very unconfortable i ask for a different person to assist me close my account. she said she's the only one who can help me. supervisor? no i am the boss. dazed and confused, i even forgot the perpose of my call. i need to talk to somebody else...anybody....marketing...the door man...no one? she asks me my age -because i'm acting childish- this conversation went on for few more minutes of nonsense and awkward feelings. she was telling me how she manages her 4 credits cards and how she bounces her ballances back and fourth....etc. irritating, irresponsible, clumzy, nosy, careless, poor customer assistance skills.

I work only 23 hours a week, since I live in a small town and go to school. When my account is overdrawn (usually after payday) I can't afford to eat or buy gas. THIS ISN'T LIVING. They are attacking me because I am on the poverty line. This is wholesale disenfranchisement.

Can not pay. Not enough income to pay all utilities and mortgage not even with my wife income.

About 3 years later 2007/2008, I get a letter from RJM acquisitions saying that WaMu sold them my account with a negative balance. I had no idea that i would need to keep receipts from checking account transactions from 2005! I have no way to prove that I paid off the account, but am confident that I did - I know that I NEVER would have not paid off the account because I had been told that you couldn't actually close an account without paying off any debts on it. The bank never contacted me to tell me I had an account balance or anything of that nature! I heard nothing about this until 3 years after I supposedly closed an account with a negative balance on it...

I'm a student, I don't have much money. I was told that the account was good and paid off and could therefore be closed, so I closed it. Now I have some collection agency coming after me trying to make me pay money when I can't really afford to be paying some BS charge that I know I don't owe. I have perfect credit, no history of not paying off debts or anything. There is nothing to suggest (in my track record I mean) that I would do something like this, yet WaMu and RJM acquisitions can just accuse me of owing them money?

On April 10,2008, 15 days before we are scheduled to close on our home we receive a call from WAMU and Andie says this: While your house appraised for what you are offering, due to the declining market value of homes we are now going to require 10% of the purchase price to be put down on the house OR 5.75% rate... WHAT??? But we were locked in and the house was appraised at WHAT we offered??? How can you determine if it will deline in value or not.. They're changing the terms o my MORTGAGE because of their ASSUMPTIONS? This is 2 weeks before closing...

Then we begin to read of the events that took place at WAMU days before we were informed of these changes to our LOCKED IN RATE.. April 10, 2008: Last date to submit new applications or locks. May 31, 2008: All WaMu Wholesale Sales Centers will be closed by this date. June 13, 2008: Generally, all loans must be closed/funded by this date. We will, however, honor outstanding loan commitments with expiration dates after June 13, 2008 up until the expiration dates set forth in those commitments. June 30, 2008: All WaMu Wholesale loan fulfillment centers (LFCs) [San Diego, CA; Pleasanton, CA; Downers Grove, IL; and Jacksonville, FL] will be closed by this date. Current Pipeline: *Locked loans with an expiration date prior to June 13, 2008 may be extended per current policy provided the loan is closed/funded by June 13, 2008. *Effective April 8, 2008, a condition will be added to each new commitment which will supersede the normal expiration provision. *Floating loans must generally be locked, closed/funded by June 13, 2008. Again, they may only close and funded after June 13, 2008 if a loan commitment has already been issued and the commitment expires after June 13, 2008. *If a loan is locked with an expiration date past June 13, 2008, it will not be honored unless a loan commitment has been issued and the commitment expires after June 13, 2008. *We are unable to make any exceptions regarding the closed/funded date of June 13, 2008. Again, however, we will honor outstanding commitments with commitment expiration dates beyond June 13, 2008. WaMu will continue to originate loans through Consumer Direct and our Retail Lending channel.

HOW ironic is it that the date my WAMU mtg agent called was April 10? Then I see a news clip about how WAMU Raised $7 Billion on 4/7. I cannot believe that I now have to use this HORRIFIC company but at least I'll be able to refi with another lender in a year or so.. Whatever happened to LOCK IN RATES being contractual? It's also odd that SINCE we put an offer on our home We've RECEIVED nothing from WAMU about our Mtg. No Commitment, no loan agreements.. NOTHING. I am requesting tomorrow that they send me anything and EVERYTHING they have that is associated with our purchase. I am now beginning to think that our Loan Agent NEVER locked us in as she said... otherwise I don't know how the can renege on a CONTRACT!

2 weeks before our 4/25/08 closing date my husband and I were informed that WAMU changed the terms of the MTG we were Locked into and told us that instead of the 5% down that they said they required.. NOW, on 4/10/08, they will NEED 10% down or charge us 5.75% and points.....

I have now heard 5 other stories that this has happened, one person was remodeling a home and they yanked the rest of the funds needed to finish, another was using this money to live on, my self, this money was taken out on a home my grandfather gave to me he is 97 years old and my mother 73 and uncle 72 live in the other house on the property, the balance 80,000.00 was being used to pay for the mortgage on these 2 homes and I was going to need a little to refi my own home, it keeps adjusting too high. It's gone without notice.

The people who knew took their money out before Wednesday 4/9 I would have if I knew. Now I will lose the home for my mom, uncle and G-pa and possibly my home. This is like your mortgage lender without notice calls your loan due in full, pay now or move. I am worried that this will lead to banks closing with our funds, etc

The lost of 3 homes, 3 elderly folks without a home and a family of 4. with a good credit history, now probably foreclosure,bankruptcy

The original loan was $100,000. All of that money was paid to 2 people. There was no balance on my house. It had been paid for cash! Now I have this huge balance and I'm about to lose the house again because I can't afford the payments.

It has cost me literally hundreds of dollars until I finally figured out that they were posting the credits last. Someone should file a class action law suit.

My wife will pay the $200.15 pretermination penalty. I am just venting and I feel that other WAMU customers should know inconvenience of dealing with WAMU which made me close my accounts. I will also be advising my daughters to do the same.

In addition, should you want to dispute this action, you as the customer, are required to pay for the cost of a full appraisal, which would cost $200-$300. Once again, a requirement that was never included or stated in the original loan documents. Is WAMU possibly making these rules up as they go? And none of this is helping those WAMU borrowers who are and have faithfully met their obligations to WAMU without issue. In fact, you are likely being double penalized because as they reduce your line, your utilization rate effectively increases which will likely have an unfavorable impact on your overall credit score. Nice. Beware - folks, things with WAMU are not as they may seem. Make their primary regulator, the Office of Thrift Supervision, aware of it. Send your issue(s) regarding WAMU to The Office of Thrift Supervision Consumer Affairs Department.

Reduced Credit Line w/o warning, and not supported by any documentation to show action warranted within the terms of the original contract, and negative impact to a consumer's credit score w/o any negative action whatsoever by the consumer.

My minimum monthly payment has increased from $189 to $252 overnight. This will be a crushing blow to me financially.

This additional jump in my debt has placed even more pressure on me - a solid payer, never late. Besides my parents' deaths, I also got laid off and then received this news that the APR was being raised. How does this serve anybody except for the companies who will do anything to squeeze as much as possible out of the consumer? This is downright cruelty. I sacrificed simple necessities for the next 6 months to pay off this card and I vow never to use a WaMU product again! When will the public be able to make our voices heard regarding these credit card companies? WaMu will never receive my business again in any form.

I called today to try to determine why the Cashiers check was held and to get reimbursed for the bank charges for the returned check because the money was there. The first representative I spoke to was Charlene, and although she wasn't very knowledgeable, she was polite and exhibited great customer service skills. She explained that the check was held, but it could not be guaranteed. I asked to speak with a Supervisor. I have been a customer there for over 15 years and felt that this new rule or policy was fair considering my history with Chevy Chase. Charlene placed me on hold and transferred me to Deana (or Dena). She had a very nonchalant attitude toward solving my issues, and her tone was very defensive instead of resolution focused. She disconnected my call during the conversation, and I am now forced with sending an on-line complaint. I would like assistance with getting my problem resolved. Thank you for your assistance.

On going fees for returned checks because Chevy Chase Bank is now holding Cashier's checks for over 2 weeks.

Their reason was that my Merchant Account lists me as Retail Account which means I do face-to-face transactions. So since I did not provide a receipt with a card swipe, they approved the chargeback. It's obvious that the customer made the purchase online; and, he approved the charge on the phone and in writing. I called my Merchant Service account and found out I am listed as Retail (even though I only do online sales). So that's easy for them to change. (I'm not sure why I was set up as Retail initially.) So I asked my processor how to contact Chase to dispute this. He tells me (and gives me a number) I can call them--but, he says, their policy is not to talk to merchants. What kind of foolishness is that? I pay them money so their customers can spend money through their bank--and they won't talk to me!

I called the customer, and he's as irate as I am. He said tomorrow he's calling Chase and telling them that if they don't pay me, he's canceling his credit card account with them. He also offered to pay me with a check or a new credit card. But it's not the 15 bucks I care about. I don't want the chargeback on my record--especially for such a lame reason as this.

It looks like Washington Mutual and SYB could see legal documents and let me out of this deal but I was told I signed the papers also and was responsible for the debt. My husband was out of control with his undiagnosed brain tumor. He threatened to kill us and everything if I didn't do as he commanded. I have doctors report saying what I'm telling you really happened. I didn't sign any papers willingly. I wasn't working and was sick. I couldn't pay anything. With in 48 hours after this happened I was being held soly responsible for this debt. I lost my home, my retirement, my savings, plus my fybromyalgia became worse. Now I'm on social security disability. I couldn't afford and still can't afford an attorney to fight for myself and through no fault of my own, I lost everything. Can anyone help?

The initial Universal Residential Loan Application we received had Mr. Wigley's name as the interviewer. However, when we received the FINAL paperwork, Mr. Wigley's name had been replaced on that document with the name of the brother of the owner of Capital Funding Group. We have never met, nor have we ever spoken with, this individual. When we received our first monthly mortgage statement, the P&I payment was for more than $7,200 rather than the $800 promised payment. In addition, we had been told that Capital Funding would pay for six (6) months of Mortgage Insurance since our loan was so close to the 90% loan to value ratio. In looking at the loan documents we had signed, we also noticed that we had agreed to a 3% prepayment penalty if we sold out house with a year, and a 2% prepayment penalty if we sold withing 2 years, etc. HAD WE KNOWN, WE WOULD NEVER HAVE AGREED TO SUCH TERMS BECAUSE OUR PRIMARY REASON FOR REFINANCING WAS WANTING TO SELL OUR HOME AND DOWNSIZE!

While trying to find out what had happened I was informed by Mr. Wigley that his former employer had closed his business, and he was now working for a relative of the former owner. When Mr. Wigley started asking questions about the changes made to our loan, he was fired from the new company. We soon found out that either Capitol Funding didn't make the promised mortgage insurance payment, or WaMu incorrectly applied that money to our principal and interest rather than the impound account as our payments have skyrocketed. It's been extremely difficult to get access to any of the original paperwork as the former company is no longer in business, and WaMu (our lender) has also been of little help. WaMu has not let me see their records of what might have happened to this money; and as a result our monthly payment to our impound (escrow) account is more than $1,300. When I've tried to show WaMu they are double billing us for home owner's insurance, they tell me they had a shortage and needed to make it up by increasing our monthly payments. This shortage can not be verified in looking at my records. Mr. Wigley is willing to cooperate with anyone looking into this matter since he too was improperly treated (for example, his last two (2) paychecks have never been sent to him).

We will not be able to keep paying the minimum Neg-am payments of $4,500 a month. We have exhausted our savings, we have exhausted our daughter's college funds, and we have been paying the mortgage for the last few months with our credit cards.

I called up Risk Management and was told that I can go to any WAMU to get the check since the check was deposited on 11 Feb. It gave ample time for the bank to close the accounts. So I went to the bank to get my cash but it was still put on hold and have to get the payer and me to sign a waiver! So I called Risk Management about this again and she was using unprofessional language. From 11 Feb to 7 Mar, they did not do any investigation to finalize the closure until I called. She said they would do an investigation and get it resolve within 72hours! I really can't believe what kind of service WAMU had!

It is not small amount - $2,800. Most of us are living with pay check to pay check! They are holding my amount for almost 1 month. I had to pay extra interest, numerous phone call from creditor for payment. This is giving me tons of problems!

I argued with WaMu until I was hoarse because I made that payment five days early. I can't produce a confirmation number, and they waited 33 days to call! Several loan officers and their supervisors have called WaMu, but they won't admit they might have made an error in processing the payment; and even though we have excellent credit history, it isn't good enough to take my word. I agreed to make the payment again, but the total was much higher than one monthly payment so I asked for a breakdown. In addition to the late payment I was also charged for the following month (not due for another 20 days) AND $15 for the late payment--and $15 for the advance payment for making payments (2) by phone. I was livid and made no bones about it. One $15 fee was dropped.

Now WaMu is the very first thing on our credit indicating a 30 days late payment, and it is the only one on a 30+ page credit report. As far as I know, it is the only one in 25 years. Those bums didn't call until the 33rd day so they could collect extra fees and unearned interest. How many others have been duped for a phone payment or lost check? Because of one late payment (a payment I made by phone five days before due but not processed), our credit score dropped to 680 from the first tier above 800 (800 according to Huntington Mutual). WaMu has falsely reported a late payment and wrecked our chance of getting a mortgage while the rates are low. Thank you.

Our credit score dropped to 680 (last time I checked) and we have been denied a first mortgage by several lenders because of a late payment in the last twelve months. Lenders have called WaMu, but they won't budge or admit they may have made a mistake processing my phone payment. The late payment they reported to the credit bureaus has kept us from getting a first mortgage to consolidate monthly payments and save thousands a month in payments and interest.

I can tell you this, the representative at the office I went to in Merritt Island told me that the loan number wasn't right. As she kept typing on her computer, I thought she was straightening out the situation. She looked up about three minutes later and said, "Oh, you're still here?" I replied, "Yes, Ma'am, I'd like an accurate account number." She responded, "Ohhhh, just eliminate the first four numbers."

It looks like I'll have to re-mortgage just to resolve the issue, but it sure won't be with WAMU! If I want to sell my home or if I should die in an accident, my personal finances will be a mess because no one in this day and age of technology can give me a valid address.

I have had to close this account and now my debt to credit ratio has shot up and will impact my credit score. This is no way to treat a consumer, one of many that pays his or her bills and shows financial responsibility.

My stress level is really high, as I try to squeeze payments for many of my debts and just to think that this Washington Mutual is not helping consumers, they just take advantage from individuals that need their services.