Chase Bank Reviews

Washington Mutual re-assessed property values on their home equity line of credit and reduced the available credit without notice. We had 80,000.00 left on our line of credit always paid on time, my last statement showed this available credit, but on Friday, April 11th, the available credit was only 4900.00 (approx). when my husband called he was told they will be sending out a letter explaining this soon.

Wamu closed a loan on my house without my authorization. They accepted documents that were obvious forgery. The signatures were drastically different. When I brought this to their attention they said there was nothing they could do because I had paid the loan off with another loan. I feel I had to. I was about to lose my house. I didn't find out about the wamu loan until my house was in foreclosure. Is there anything I can do?

It has been confirmed by a Washington Mutual Employee that they post the debits first and the credits second to your checking account. So when my paycheck was electronically credited to my account at midnight on 3/31 I was still overdrawn until that evening but the debits kept rolling in. I check my account online and it said I had $3800.00. But when I tried to use my debit card to withdraw cash it would not let me. Of course when I used my debit card to pay for things that day I was allowed but I was charged $30.00 every time I used the card. I cannot believe this is legal. I am closing my account.

Though they are written providing notice, WAMU has now begun reducing lines in FL. I received notice this week basing the decision on a significant decline in the value of my property. However, how significant is defined cannot be determined, since WAMU, through their loan care center in TX, stated that they will not provide the updated value they are relying on to make this decision. Do I not smell a regulatory compliance issue here? The language included in my orig. loan documents define the basis of a significant decline as the value they relied on at the time of application - which was never provided to me as the borrower. Again, misleading.

I have had a credit card with Washington Mutual for over 6 years. At the time I got the card, the company was Providian. I have always paid them before the due date. I have never gone over my credit limit. I have always made at least the minimum payment and usually, over 50% of the time, have paid more. Last month they increased my APR to the default rate of 51.55%. I called them to ask why. They said they didn't have that information but could send me a letter within 30 days. I just got the letter. It is because of other credit issues I have. None of these issues is late payments. None are defaults. I have one argument with Sallie Mae over a student loan with a balance of less than $350.00. I don't feel this is a fair business practice at all.

I have a credit card with WaMu, pay completely on time, and am paying down my account. Now I have discovered that my APR has jumped to 21%. The answer for the question why? Because we can. My amounts on my cards recently jumped because both my parents died and I needed to pay for funerals which are very expensive (another issue). So, because of a general profile based upon formulas known only to the card company, my reasonable APR jumped to a default APR.

I contacted Chevy Chase Bank today to inquire about a Cashier's check which was deposited on March 7, 2008. According to my on-line records, this check was being held, and I was unclear why a Cashier's Check would be on hold. I have deposited a Cashier's Check for $3,000 into my checking account (each month) for the last 3 years, and it has never been placed on hold. It is a check that I receive from one of my tenants, and there has never been a problem with the Cashiers Check clearing. In addition, no one in their company (Dena or Charlene) could tell me when the check would be taken off hold. As a result of the check being placed on hold, a subsequent check bounced that I had written to my builder. Of course, Chevy Chase bank has charged me for the return check. It seems to be their practice to return checks even when they see that you have funds which are placed on hold.

A customer placed an order through my webstore for $14.94. Then his credit card was compromised. His bank, Chase, sent him a list of charges to approve or disapprove. He approved my website's charge by writing "yes" next to my website's name. (And he disapproved 4 other obvious fraud charges on the sheet they sent me.) So then I get a chargeback from my processor. I call them and explain that this is a mistake--because we're both looking at a piece of paper where the customer approved the charge from my webstore. The support person says she can't really explain why I received a chargeback notification, but to go ahead and fax in all the supporting documentation anyway. And be sure to call back in a few days to make sure they received the documentation and that the chargeback was reversed. So I faxed all the supporting proof of sale documentation to my processor, including the piece of paper that had the customer's approval for the charge in my webstore. My processor forwards that to Chase - and Chase approved the chargeback anyway!

On 8-29-03 my husband took out a loan through SYB. 48 hours later he was in hospital being diagnosed with a grade four brain tumor. On 11-12-03, I was being treated for fibromyalgia. At this time Washington Mutual got the loan. At the time of this transaction both my husband and I were ill. We didn't know of his brain tumor. August 18, 2003 My husband went and got a complete physical from his doctors and got back results as being in great health. But he was out of control, I couldn't stop him from doing anything.

When an electronic payment is sent by mail, the funds are withdrawn from the account when the payment is SENT and not when it is received by the intended recipient. Chase mails the payment 5 days prior to the due date. Chase sent a mortgage payment to Citimortgage by mail and immediately made an overdraft protection transfer and charged a transfer fee. A deposit was scheduled for the next day so there will be enough money to fund the payment. The check has not been received by Citimortgage yet. I requested the information about where the withdrawn funds are held until paid out. No reply yet. I believe they should not withdraw the money until a request for payment has been submitted from the payee.

We wanted to refinance our home in order to pull out enough equity for us to cover any moving or other expenses while we downsized to a smaller home and to help our daughter with her college expenses. We were told we had gotten a 6-month loan at 1% interest which would have made our monthly payment around $800 month. We were warned that we had to sell within 6 months or the loan would become prohibitively expensive. After things were approved, we waited around 2-3 weeks for the documents to be drawn up. Our agent, Mr. Wigley, brought all of the paperwork to our home along with a Notary. Mostly because we had done quite a bit of previous business with Mr. Wigley, we did not go over the documents. Mr. Wigley did not explain things page by page - nor did the Notary. During the signing process, Mr. Wigley kept assuring my wife that this was a great loan package and all we needed to do was pay the $800/month and sell our home within the 6 month time frame. Because we knew and trusted Mr. Wigley, WE DID NOT GIVE MORE THAN A CURSORY LOOK AT THE PAPERS which turned out to be a huge mistake! We were never informed of any changes to the loan, and we were never informed of any problems with the loan.

I deposited a check that paid to my nickname. That's usually what I go by. The check was returned to me stating that it was 3rd Party Check. I had requested payer to reissue a check to my legal name. I deposited and without knowing it, they decided to close my accounts and hold all the amount in my accounts. I called to see if I can get all the money back but they told me the check will be issued to me on 26 Feb, the day the accounts will be closed. I waited for more than 1 week and I did not received my check.

Originally we had 5 or 6 mortgages at the same time with WaMu. All were paid off years early except 1 with a current balance of $10,700. The payments are only $220 a month. We didn't risk our credit rating by skipping a $220 monthly payment when our average income is $200,000 generated by 24 rentals in Indianapolis. Last fall we began shopping for a first mortgage on our personal residence. We own a $420,000 home free and clear. A mortgage for $300,000 would pay off everything we owe saving $4,000 in monthly payments but we are being denied a first mortgage by lenders because we had a late payment in the last 12 months. That late payment was the one reported by WaMu.

I have long been trying to have my deceased husband's name removed from my mortgage, but no one at Washington Mutual seems to have an address for their mortgage loan dept. All they can give are names of floating representatives who have no interest in resolving problems with existing loans because they get paid to spend their time making new loans. I have been given three different addresses to send death certificates, and none of them are valid. Because my payments come directly from my bank account, I don't have a current address. Is it possible that bank employees have no way to access addresses of their own offices that provide customer services?

I have had a Wamu Credit card since 2005 and have paid on time, never been over my limit on this card and all my accounts since 2002. I have just found out that my rate was bumped from 10.99% to 23.99% and when I asked them to explain why, I was told that it was based on my overall credit, which does not make sense. When I received this card in 2005 my credit was much worse than it is today, further more my balances were much higher in ratio to the limits.

Since Washington Mutual took over Providian credit cards, my APR rate has change from 7.99% up to 29.45% without any good explanation from Washington Mutual, as I never pay later, always pay more and never go over my credit limit. I contacted customer service, had a conversation with someone at customer service, with no results. I am getting sick just thinking how to get out of this debt with this APR. I have other credit cards with much better APR but don't have room to transfer at this time such amount.

ID Secures partners with Chase Bank and sends my 84-year-old mother checks that if she were to cash, automatically enroll her in ID Secure costing $150 per year. My mother has a Chase checking acct. and a Chase credit card. They are targeting only aged seniors with these mailings. My husband and I also have a Chase checking and credit card, and we don't get these constant come on mailings. These need to stop. They are actually entrapment of seniors.

Two incidents - First, Chase Mortgage started calling me a year or two ago about a Barbara Allen. Calls amounts to two to three calls per week left on my answering machine. I had to call four times, to finally get off their calling list. I don't know how many times I had to tell them that I wasn't Barbara Allen, I didn't know Barbara Allen and I wanted them to stop calling me. Well, I received a call from them again on 2/22/08. I called the number left and when I started to explain, the woman hung up on me. I called back. I again stated I did not know Barbara Allen, I was not Barbara Allen and I thought I had straightened all this out over a year ago. I emphatically stated to remove my phone number, stop calling me and that if it happened again I would report them. I received another call on 2/28/08, I saved the recording. I called Chase Mortgage again, explained the above yet again. I was asked to hold and when the gentleman came back on he read that there was a note by my phone number advising not to call this number and it did not belong to Barbara Allen. I told them that what they were doing amounted to harassment and to stop.

In early 2002-03, I was forced to file a Chapter 11. During the time before all this was occurring my mortgage company sold our mortgage. I don't have the specifics in front of me, but I still have a large folder with all the info. This occurred one last time when Washington Mutual acquired the mortgage. My wife sent payments to the lender before Washington Mutual for an entire year before I finally sold the house and the Chapter 11 was a done deal. My own attorney was telling me: Don't worry about the payments! Washington Mutual was still receiving the payments because I have the cancelled checks to prove that they were diverted over to them. But in the long run they claimed I never paid them for a year. And this became part of my Chapter 11.

I got this coupon in the mail back in July/August that said if I opened up a Chase free checking account with direct deposit, they would give me $100. So I go in to ask a couple questions like minimum deposit or balance requirement, and how long does it have to stay open? They said none and 6 months. I was sold; here's some money, open it up. The plan was to use this checking account as a starting point to save for the new tC. Once I sold the supra, I would open up a savings account to transfer the money from checking to savings. Hence why I asked if there was a minimum deposit or balance. So I sold the Supra in September, open the savings as planned and transfer all the money from checking over to my savings. From then on, every pay period, I would transfer the direct deposit that had been going to checking over to savings. Last week, I finally bought my tC. State and Federal refunds were coming in, bonus was announced, I had the money.

A few years ago I was contacted and asked to buy what Washington Mutual called CREDIT PROTECTION on my credit card accounts with them. For a few hundred a year per account I could protect my accounts if I ever lost my job or became disabled. Sounded like a good idea up until I needed it. Back in June I injured my back and needed to use my so called CREDIT PROTECTION, this is where the scam starts.

On February 20th, after searching everyone on their website, I called WAMU's 800 # to inquire about the fee to obtain copies of deposits I had made. I was told by the representative (had a very heavy accent) that the fee would be $5. I knew that I had at least 5 checks in the deposit I had made, and I only was willing to pay $5 to obtain this information, so I asked for clarification. Was it $5 total...or $5 for each check? She answered, "It will be $5." I should have asked again, since that really didn't answer my question--but that is hindsight. I had taken that to mean $5 total. The next morning, I checked my account, and $90 had been charged for the request. I immediately called to cancel the request. I was told that it was too late; the request had been put through.

Washington Mutual Bank is probably targeting some individuals to profit from with their business practices. I was once late on my payment, and they jacked up my interest rate from 11% to 31%. Then again, my credit card was fraudulently charged in another state. They are not doing anything about it. I need to file a complaint with the government.

I paid my bill off $2,095.00. I called and asked them to waive the interest fee and close my account. They never did; they charged me interest and an LPC. It was one day late; they gave me no grace period, and as a courtesy they should have waived the fees. All the other credit card companies waived the fees. The people I spoke with were very nasty, talking loud. So I talked back. They were rude and could not speak English and comprehend. I want reimbursement by check.

Chase confirmed they had given me payment deferral. They even sent me the paperwork and told me where to fax it. I was told that having received the paperwork represented the deferral was approved, but I needed to fax it back in with my signature, which I did within 24 hours. Two months later, I learn that they were showing me as past due.

We operate a couple of businesses. We have deposited funds from one account to the other and washington mutual decided we have too many debits and credits, so after two years without a problem or a phone call or any type of discussion, they closed the account. Now, I don't have a problem with them closing the account. If they deem that is in their best interest then as a business they have that right. Additionally, I think we signed something giving them that right. But I don't understand how they deem they can hold our POSITIVE BALANCE of almost $2,000.00 for ONE MONTH without giving it back.

My Washington Mutual card was paid as agreed; I paid more each month than what was required. I paid more often than what was required. I accidentally used wrong routing # twice to make payment, but I made another payment to make up for my mistake. Because I put in a wrong routing # to pay on my account twice, WAMU reported me.

MY Home is getting foreclosed, and I need advice. On several occasions I have spoken with several WAMU Representatives. I called the numbers that were listed in the paperwork that was sent to my home. I am beginning to believe that it does not matter if it is a customer care representative, or even a manager/supervisor at the local branch. I believe the result is never what it should be, and I am realizing that the service is almost always below average. The normal call usually ends up with me being transferred a couple times. (I have been told, it is because they are working out the phone system issues--supposedly still after a year.) Ultimately the call ends up with someone who does not put any notes in the system about my concerns, but informs me they are documenting everything. Then a few weeks go by, and I get another letter. I am sure this is because my previous calls were not documented properly; or the notes, if they were recorded, are probably located in a different part of the system that they cannot access at this department. (This is a typical response from one of their customer service reps.) The entire customer service experience with WAMU has been nothing but a waste of time and a huge inconvenience to me.

I got a charge on my credit card from Blizzard Entertainment for $14.99. I called WAMU and they wanted me to fill out a form. I thought that is why I pay finance charges. I am really upset with WAMU for not helping me more. I am waiting for the form since I could not find where to download the form on their website. Please stay away from these people. I do not think they know what they are doing. All I can say is they provide very poor service to their customers.

I Went to Walgreens right next to my house to buy somethings and and my card wouldn't go through. I tried 3 times and all it said was Invalid card or something like that. So I went outside to call Washington Mutual because I KNOW I have money in there and they told me that my account was canceled because a person living in my same household (had my same address) owed the bank money and they told me I can go in anytime and take out all my money because my account was going to be canceled if my brother, which is the other person living in my household, pays the bank. I kept calling and tried to fight it and the lady hung up on me. My brother has NOTHING to do with me or my expenses, which is why this made me so mad.

My Principal amount on my loan is not going down. I have been with this company for years & I owe almost as much as when I started. I don't think they are applying my payments correctly. Also this company becomes very threatening if you are late on your payment. Threatening foreclosure when you're not even a month behind. They also hold your checks and then charge you for a late payment

I have been paying for credit protection on this credit card in case of an emergency. Last year I lost my job in part because I was sick. I called and emailed washington mutual about my problem so said they would send me paperwork to activated the credit protection plan I have been paying every month. They never sent me anything and sent me to a collection company. This is after almost $50.00 they charged me every month for the credit protection they back up and don't want to pay and are ruining my credit score.

It started out I was just getting a card for the Home Shopping Network when I realized it was a card for WAMU. I was pleased, thinking I could make payments at the local branches. I thought the ads for the bank were kind of neat and it made me think about changing from my current bank for awhile. Then I discovered I could not do that. I was able to make payments online and ahead so that worked out. I paid my payments on time every month, paying $150 on the 6th of every month and sometimes more on the 20th. Then we refinanced our home and decided to pay off all our medical and credit debts including our HSN WAMU VISA card which was almost at its limit $2500. As soon as we paid all of these off, much to my surprise, the account I had made sure was current and paid more than necessary on to keep a good record with them and the one that actually made my credit higher had its credit limit reduced from $2500 to $250!

I went into Chase Manhattan Bank after receiving 2 emails stating someone is trying to use an atm machine and I should call them. I have no account with Chase. So I went to the bank and was told the email address was them, but not the email.

This a very good class action claim. I'm sure millions of consumers are caught by the same thing. Electronic payments are deemed not received by Chase until the transfer is authorized, even though the transfer is immediate. This is inconsistent with normal checks, which are deemed received when delivered. Someone can make 500k here without too much work.

I love WaMu. I balance my checkbook. I pay my loan through auto-pay. I pay my bills on time. I make sure that I have the money in my account before I spend it. I account for all my receipts when I use my Debit Mastercard. I take responsibility for my actions! I read the fine print!!

Someone put money (about $2200) electronically in our commercial account and then when I looked online the next day I saw that they pulled all that money. I called wamu and first thing they said was that because I called so late (next day) that they could not help me and that I have to make a dispute with that company. I told them that I do not know them and the problem is that I wrote checks for that amount and that they are not going to be covered, but they told me that it nothing they can do. And then they overdrafted my account and they sent me to the check listing so I cannot open a business account. They never did anything to help me to solve this problem but know they report me to the checking company that I did not pay the overdraft. If they charge me every time $30.00 for transactions it starts going up and up. I called them and said I will pay what is owed but I need you to call that company of checks and tell them that it was paid. And they told me that they cannot do anything, I believe that wamwu does not care about their customers at all.

My 85 year old father wanted some information on a loan that he would be eligible for so that he could make repairs on his home. Washington Mutual talked him into taking out an $150,000 equity line of credit on his home. He did not request this high of an amount. My father had cataracts which prevented him from reading the documents he signed at the bank. In October of 2007, my father passed away and in his will left his estate to his eldest son (who is handicapped), his daughter and 3 grandchildren. Upon learning of this loan and contacting Washington Mutual, it was learned that we had to sell his home and payoff this loan. My father had no income to pay back this loan to begin with and if they had done a credit check or the like, Washington Mutual would have known that my father wasn't eligible for such a high loan amount.

When my stepson was 16 years olds, my husband opened a savings account so that he could start saving his allowance. Because he was a minor, my husband had to put his name on the account. That was four years ago and in the meantime my stepson had jobs and used the account, never abusing it. My husband left the account as is, never thinking anything would go wrong.

In October of 2005, Chase Bank reported my account to the three credit agencies as being charged off to bankruptcy, causing my credit score to drop and denial of credit. After several months of disputes and talking to Chase, they agreed that it was a mistake and said that they submitted a universal update to remove the bad information from my reports. I checked my credit reports in 2007, and the information had been removed; my credit scores were in the low 800's. Due to the data breach at Chase in 2007, they agreed to pay for one year of credit monitoring.

I opened an account with Washington Mutual in September of 2007. Around mid November of the same year, I discovered an unauthorized charge to my checking account, and reported it. The account was subsequently closed due to it having been compromised. I then opened another account to replace the account that was closed, and in the first week of December, asked a friend of mine to deposit $150 (which is a payment toward a larger amount that she owed me). The person made the deposit, but decided to also deposit a $1,200 check into my BRAND NEW account, which was a sincere effort to pay me off in full, figuring what could go wrong, if the check bounces, I can pay the returned item fee.

I was a victim of identity theft as was my husband and others in our apartment building last year. Several accounts were opened under both my name and husband's (plus the other victims) by presumably the same individual. We promptly pulled our credit report, filed a police report, and notified all the relevant companies about this. Washington Mutual was the only one which required a notarized affidavit which was filled out and send back to them including information that our whole building was effected by the same thieves. My husband bank account was closed but now they have denied my claim. When we called they would not give any information on why a denial took place and required us to fax them saying we again did not open the account. They have effectively put us in a catch-22: we have to deny the denial without any recourse.

I went on vacation on Nov. 08, 2007 and came back on Dec. 11 and on Dec. 12, I called 911 and was taken to the hospital and surgery was performed and from there I was taken to rehab center till Jan. 16, 2008. Before I went on vacation on Nov 08, 2007, I made advanced payments to my HELOC and mortgage loans. I also notified WA-MU on 888 and 800# and branch people. But when I came back on Dec. 11, (My ex wife opened the letters) there were many letters and threatening phone calls from WA-MU demanding money. WA-MU also assessed the late fee for Dec. payment though I made payment in advanced for Dec. payment. I have all documents to prove. WA-MU person talked to my ex wife demanding that my son answer. Since I was in hospital and had a surgery, I had no clue what WA-MU is talking about and my ex-wife did not understand, so I had to arrange to call my son from San Jose to come and straitened out this mess with WA-MU. My son drove from San Jose and took several days off from work and searched all receipts and went to the branch #1354 with all receipts to straighten out the mess and then and then only WA-MU reverted the late fees. WA-MU demanded wrongly and did not realize by acting irresponsibly WAMU caused significant problems on me as well as on my son. I think it is very irresponsible, harassment and greedy act on part of WA-MU

I have enrolled in wamu online statements. I have no other contact with wamu but online. Today I accidentally clicked and requested a copy of a check. No where in that webpage did it tell me I was going to be charged if I click request it. It does not even says how much. Only after I requested it, a pop up window told me I will be charged for it. But again, it does not say how much I will be charged. I immediately called the bank to the 800 number and explained that I did not know they were going to charge me. They did not care about my situation and told me there was nothing they could do. That I was still going to be charge for it because I requested it. But I did not know I had to pay! It did not warned me at all before I clicked!

I went into my local Washington Mutual branch to deposit a $3500 check. Before leaving the bank I was told that the deposit posted to my checking account and the funds were immediately available for withdrawal. I checked my receipt and it confirmed what the teller told me. On the same day of the deposit, I initiated a $3300 ACH transfer from my checking account to another bank.

i had a balance of $987.50 and wamu bounced 3 checks,one for $100, one for $12.17, and one for $100. This incurred $90 of insufficient funds fees and when I called them on it they said there was nothing to do and it was my fault.

I made a $12,000 deposit to my daughter's WAMU account, as I needed to make a tuition payment early in 2008. We deposited and saw it posted on Dec 24, 2007, but the funds had not cleared in 10 business days (Jan 8, 2008). When I called to talk to customer relations (1-800-788-7000), I ran into several very disturbing problems.

My savings account at Washington Mutual was closed without any prior notification on 12-11-07. They said it was done at a branch I have never been to. I never signed any paper to authorize such cancellation of my account. They say a check was mailed on the 12th of December and I still haven't received it. I went back to the branch several times and I spoke to many representatives in person and by phone, but they still don't know why my account was closed and all they say is that they can't do anything to get my money back until I get the check. It's been more than 20 days and I still haven't got the check.

June 2003 when I opened a platinum checking, platinum savings, and CDs in Washington Mutual Bank, they said there would be no monthly charges as long as I keep $10,000 as the combining balance. Since my CD exceeds well over $10,000, I opened these accounts. In June 2007, I received a monthly bank statement from WAMU and found out they were charged $20 ($10 each for May and June) for monthly fees into my platinum savings account. They did not send me a May statement. It happened before when they mistakenly de-linked my CDs from my checking or savings, and it was corrected through call center easily then. As usual, I called their call center and heard that their policy changed, and it is no longer combined, but balance of platinum savings account is by itself since May. They had never informed me about the policy changes until the day I called and refused to refund the money. Failed to answer my questions of when and what address they mailed me the information regarding policy changes.

Don't use this bank if you will ever need customer service. The customer service calls are answered all over the world, including Manila, Philippines. In addition, they can't speak English. They can't even pronounce Washington Mutual, which is sad. Once I was tired of repeating and respelling things over and over to many different people; I asked if they were in the US, and they lied to me and said they were in the Seattle area. I asked them a very simple geography question about the Seattle area, and they had no clue what the answer was. I was later told that they were instructed not to tell the customers that they were out of the country, but that rule has since changed. I went into my branch to discuss this with someone, and what I got was a haughty, indignant attitude from the manager who loudly told me that outsourcing was now industry standard, and I would not find another bank that did things differently.

No matter how early I make my payment on my credit card, it never is applied on time, so of course I am charged $35 for late fees and $35 for over-limit fees. In Novemember, I paid my bill on Novemember 2, it wasn't due until Nov. 4, which was a Sunday. And still, I was charged $35 in late fees and $35 in over limit fees because they didn't post the payment to my account until Novemember 6. I make all my payments online, and on WAMU's site, you can get your payment to post right then by paying an extra $14.95 to make it cover right then. I wonder if they are doing that so they can make extra money to go along with all the late fees and over limit fees. I closed my account with them because of this issue, one I have had since using a credit card from them. At the rate it is going now, I will never get it paid off! I have made numerous attempts to have this settled to no avail. Their csr tell me that they can't refund my late fees or over limit fees back to my account because it is closed, but yet they can charge me all these fees. I just wish once I could call them and actually understand the person whom I am speaking too, but I am thinking that will never happen.

Washington Mutual decided to close my credit account on December 14th. The firm informed me through a letter that due to inactivity, the account has been closed. They also stated that information on Transunion such as balances too high in relation to limits has caused the closure--which is ABSOLUTELY FALSE. I check my credit every month, and my score on that credit agency is 742. This is a horrible business decision by upper management that will effect 1 million as stated by one of the reps! The government needs to step in on these financial firms because they are doing business that is hurting people who may need to retain lending in the future, such as myself who is looking for a mortgage next year. Now my Fico score will go down due to this blunder. Please, ALL OTHER WAMU CARD HOLDERS THAT HAVE HAD YOUR ACCOUNT CLOSED ON DECEMBER 14TH, LIST YOUR COMPLAINT HERE and maybe something can come of it.

I have been a member of Washington Mutual since 1999 and my dad even longer. In 06 I found out that that we have become a victim of online banking (Washington Mutual) Identity Theft and it had been going on for 2 years and I never got a statement for a year and a half because it went somewhere else. After I found out, I did my own investigation and got all my statements for 2004-2006 and I was blown away. I mean I was taken for a lot of money, but what makes me more upset is how much money the bank made to $5000.00 overdraft and$1500.00 on extra charges and the fact their customer service didn't want to help. I feel the bank owes me for all those overdraft charges and extra charges and the $180.00 they had the nerve to charge me for the staements I needed. You would think they would try and help you in anyway possible.

Washington Mutual decided our safe deposit box belonged to another customer who was not paying their bill. Without notifying us, and while continuing to charge us rent on the box, they drilled it, removed our property, then sent it to the State Controllers Office. When we went to the bank to open the box, there were two boxes with our number on it, neither of which could be opened with our key. One week later, the boxes were drilled. The one they thought belonged to us was empty; the one they thought was empty contained the property of another person. After one month, the bank located our property at the State Controllers Office and had it mailed back to the bank. At no time did they realize that the documents with our names on them belonged to a bank customer, nor were we notified, even though their records clearly showed us as the renters of that box. When we went to the bank to receive our property we were kept waiting for two hours before any employee would talk to us, and they then informed us that they would not return our property. The bank manager and assistant manager never return our phone calls, failed to keep us informed of the progress of our case, and always blamed other employees who no longer work at the bank, and deny any responsibility for our inconvenience and loss.

I have been banking with WAMU for approximately 3 yrs. This is my story: On 12/14/2007 I personally went to a teller and withdrew from my acct $370.00 and made a deposit to another WAMU acct for $140.00. The amount dispensed to me was supposed to have been for $230.00 but instead I received $140.00. The receipt clearly states that the amount dispensed was $140.00. On 12/15/2007 I contacted the branch manager, Alexis, and explained to him the situation. Alexis stated that he would put in an investigation and that I would have to wait until Tuesday 12/18/2007 for the results. Even though I clearly had the receipt as evidence. Therefore on 12/18/2007, I called him on the phone in order to obtain an update. However, after 3 different attempts, Alexis stated that a response was not back and that in the meantime he would deposit $90.00 to my account. That same day during the night time, I called telephone service, and CSR stated that an investigation was never filed and that $90.00 was never deposited to my account. The CSR placed the investigation the same night and stated that it will take about 5 business days for the results. So, here we are 12/18/07 at 10:27pm. It has been 3 business days from Friday and I still have not received MY money.

I went in to close my Chase Business Checking account. The business banker helping me asked why I was choosing to close my account. I communicated that I was tired of paying a $10 service fee for months when I didn't maintain an average balance of $4000 in my account and thought Chase marketing techniques were predatory. The business banker for the duration of the transaction insisted it was MY fault that I was closing my account because: a) I didn't follow up and contact someone at the bank to find a better suited account (even though I did and communicated this to him, and also mentioned I was in the lowest balance checking account they maintain - something he should have already known) and b) the predatory phone calls I had received from one of their branches were simply a person trying to help me move to a better account type (again, communicated that the individual on two different accounts called and left messages under false pretenses that she needed to talk to me about my account - only to call back and discover she was only trying to sell me something).

I am a customer of Washington Mutual and was in good standing until I became a victim of internet identity. The theft, which was done on my on-line banking, had been going on for 2 years until I found out so I was blown away on all the overdraft charges. There were 22 in 2 weeks and all started in 2004 to 2006, but I never really saw a statement until 06/05. I was in severe depression and had an unstable mind. 9/06 is when I realized what was going on and and couldn't believe all the money the bank made from me on overdraft charges and other extra fees - $6000.00. They should have called or at least frozen the account and atm card since they couldn't by mail. I am prosecuting this case and I also hold the bank partially responsible as they did no handle my case in a professional matter and won't admit they were wrong or even apologize.

I went online to try and pay the balance of $201.71 which was applied after I mistakingly assumed that the Statement opening date referred to the month you received your bill, in that month. Anyway, I found out that you can only pay the balance of your statement online and nothing exceeding that amount so as to pay any additional amounts that have accrued since. You also have to wait 3 business days in order to make another payment. I asked the supervisor why in the year 2007, with all the technology available, that you cannot exceed the balance in order to stop interest being applied to interest? Their answer was that I could pay the bill when I receive my statement in January. Excuse me? I would never finish getting my balance to zero based on that recommendation. I have never encountered such imbeciles and "robotoids" in my entire life.

I had a mortgage through Chase which included home owners Insurance. This year the sent me a check for an overpayment on my insurance. Though I do not own the home any more I thought it was a oversight from when I did own the home, so I cashed it at the local store from me last week. I went in there yesterday for gas, and the owner tells me Chase put a stop an the payment. The company that cashed the check tells him if I do not resolve this in 7 days, Orange Co. FL will issue a warrant for my arrest.

When I was deciding which bank to open a savings account with, I researched a few of the banks and Washington Mutual appeared to have the least amount of fees. Most of the other banks had all these fees listed and I already had a wamu checking account so I thought I was in the clear in terms of the fees. This month I was charged an excess activity fee. I called immediately and was told that it is federal law that I get charged for anymore than 6 transactions per month. First of all, I am required to transfer every month to avoid a monthly fee. Second, all my transfers were from one wamu account to the other except for the direct deposit from my job. Third, I called to try and close my account and I was told that they would have to charge me another excess activity fee which would put my account negative and then I would be charged a fee for my account being negative from their fee! I don't even know who to talk to or complain to! Washington Mutual has all these ads for being the little guy among the big national banks and being truly free, but it seems as though they just hide their fees better. Is there anywhere I can really write so someone will listen? All I really want is for Wamu to be more upfront about their fees, rather than having this front as being Free and being the Little guy; when they really just hide their fees better. I don't think they should be allowed to have commercials like that and still be so underhanded with their fees.

I am a student and have been a customer of Washington Mutual for several years. For the first time, my account was apparently overdrawn this past week. Wamu continued to charge Overdraft fees even though my account balance continued to dip negatively, all the while continuing to permit the use of my ATM card for all purposes, including withdrawing funds and paying at retail facilities. Certainly I would not have been using the card had I known this was even a remote possibility. In fact I had deposited far more money than I spent in the past week, just last week, and the only reason I continued spending was I believe it had been credited. The charges were $30 dollars each and included charges when the amount spent was 1 cent. (to McDonalds). I refuse to understand how or for what Mcdonalds charged me one cent, but nonetheless it is present on my Washington Mutual account as an overdrafted withdrawal.

In November 2007, my girlfriend wanted to start a small business and so we decided that we should open a bank account for it. I had previously worked for Washington Mutual and remembered their policies being reasonable when I worked for them, so we went to our nearest branch and signed up for a Small Business checking account. Less than one month later, I check our account balance through the Online Banking service and discover that we are overdrawn. I do a quick overview of charges and it turns out I have a charge for $59.95 that I never approved, to pay for a product that I had been offered for free. No big deal, I think, this sort of thing happens all the time and when I worked for WaMu there would have been no cost to a customer that had this happen to them.

My sister and her husband fell on hard times because of the son-in-law abandoning pregnant wife and children and asked the bank to work with them on an overdraft fee. WaMu bank refused and is collecting fees daily .

Last night I attempted to use my Debit card to pay my bar and food tab in NYC. The waiter notified me that my card was denied. Not only was I embarrassed in front of several people, I was thrown into a panic. I had thousands of dollars in my checking account and I thought that I was cleaned out. I called Customer Care and they told me that my card was cancelled and that a new one was on the way. Meanwhile, I had a brand new card in my possession issued less than a month earlier. Apparently they are issuing new cards with improved security features? I never received notification of this. Their only response was sorry but we can not reactivated your card and I see you have a Chase credit card, why don't you pay with that? Unfortunately, I did not have that card with me and I had no cash. I was forced to borrow $ to settle the bill from the people that I was taking out.

$280 dollars and asked for $10 dollars quarter roll. But unfortunately I sent all the whole cash ($490) and deposit slip. When I got the receipt with quarter roll, I figured out that I gave the $490 to her. When I asked for the extra $200, she refused saying I gave only $280 and $10 for a quarter roll.

I had an credit card account with Providian who is now WaMu. The account was paid in full and left open until after I had completed my closing. For unknown reasons, even though I paid on time and paid off my debt, WaMu mistakenly closed my account without notifiy me. For a year I still checked my account online to assure there were no charges. No where online did it state my account was closed. I called to request a replacement card and they told my I didn't have an account and that I had requested to close the account. I assured them I did not and that it was an error completed by their support office. The refuse to reopen the account saying it was past 30 days adn that I would have to re-apply.

They told me that their new policy is to have five day holds on cash fund transfers. My customer sent my money, it no longer appears in their bank, but WAMU won't tell me if it is even enroute to me. If it is, they'll hold it for five days before I know about it. They treated me like I am going to bounce every check!

My experience with Chase Bank began when I inquired about their rates, thinking I had lost my credit card that I held with another bank. The person I spoke with at Chase said he needed my driver's license to verify my identity and would let me know the next day about the rates. In the meantime I found my credit card and told him I was no longer interested in pursuing an account with Chase. However, he began to call me with various offers of lower rates, offering various options, and with follow up calls. I asked him to stop calling.

Where do I begin? Chase suckered me in with the promise of a free $80 when I opened a checking account. Not a good deal as Chase has successfully charged my account with $3,243 in fees to date. Some was my fault, I am not perfect. However, when a payroll check for $308.80 was taken off of our account due to suspensions, I called, enraged, and asked when I would receive the money. A representative made a note on my account about my calling and told me to call back on Wednesday of the following week to find out when it would be available. When I did so, the rep asked me what check? I see a note, however I do not see a check in the pending files. There must have been an error. It was about that time I racked up about $3000 of the fees because I literally could not keep up with everything going through, and I am currently in debt to them still a grand total of $311.80, after I put my claim into them and settled $652 and some change. I will not pay the $311, it is literally just buying me time.

On Nov 11th, I notified WAMU regarding 2 fraudulent pending debit transactions and was informed nothing could be done until the transactions are posted. I informed them the transactions put our available balance negative and they informed me there was nothing they could do as the transactions had not been posted. I took it upon myself to cancel my debit card and have a new card issued in 7-10 days. On Nov 13th at 3:45AM, I notified WAMU that the fraudulent transactions had been posted. With the fraudulent transaction claim completed, I was informed it might take 7-10 days to reverse the fraudulent items. I complained that my account was negative due to the transactions and overdraft charges would be incurred and was assured all would be corrected in 7-10 days. On Nov 26th, WAMU finally reversed the fraudulent transactions and only 1 $30 overdraft charge, conveniently forgetting the other $270 in overdraft charges incurred due to the fraudulent transactions. The reversal was posted with the date of Nov 26th and not when the fraudulent transactions actually posted on Nov 13th.

Without any authorization and without me providing any credit card information to Trilegiant or authorizing Chase to provide them with my information, I was charged $89.99 by Trilegiant. I had no contact with Trilegiant or any of its subsidiaries by electronic, written or telephonic means. I contacted Chase credit card Customer Service who first told me they had proof I had authorized this charge, but then could not tell me what sort of proof they had - was it my signature or a telephone recording or what? What proof did they have that I provided Trilegiant my credit card information (which I did not, so I must assume Chase provided it to them). Tomorrow I will be calling both Chase's Dispute Center, Trilegiant, the Connecticut BBB (report filed) and the U.S. Attorney General's office (report filed). More than just getting my money back and stopping further charges, I intend to do everything possible to bring down legal consequences on Chase, Trilegiant and whoever else is involved in this criminal conspiracy. I am already a witness and instigator in a Federal RICO investigation of the insurance industry falling out from Hurricane Katrina, so this will just add to the fun.

On 11/16/2007 I could not use my debit card at the dr's. office. When I called WaMu they stated there was a lien on my account by a collection company. They could not help any further. When I called that number a general mailbox is used. I specifically told them to call after 4 or 5 pm when I get home from work. They only call at 9 or 11am. I called WaMu again asking for any further info, like a copy of the said judgment; they could not and would not help me.

My WaMu interest rate was arbitrarily changed from around 20% to 31%, and I cannot get a reason why. I have never been late, over limit, and have always paid more than the minimum. I have nothing negative on my credit report to trigger the so called default rate. In fact, my credit score has increased each month since the issuing of the WAMU card almost 2 years ago. There is absolutely no reason for jacking up my rate. There is no human at WAMU with whom I can discuss this, and the supposedly explanatory letters I am sent do not even begin to address my questions.

We've had our business account with Washington Mutual for approx. 5 years. Husband went and deposited a $6,000 Certified Funds check on 11/20/08. They put a 10 day hold on our check. I was furious and called the bank and had it out with them. Their manager Sherry called and verified the check on Wednesday with the bank in Texas. Our certified funds check is still on hold until 11/28/07. In the meantime, my husband made a deposit on 11/21/08 into another account so as not to complicate things more with the business account. On Friday, we tried using our atm card from the personal account. Our card was denied. We called the 800 number and were told that absolutely no debits would be approved because there was not enough money in that account or in our business account to cover the initial $6,000 certified funds check.

I opened a WAMU credit card with a limit of $1,500 in Sept. '06. I have paid on the card and did run it up to it's maximum amount. Since finding employment in May '07, I have made payments on the card. I had a late payment once and they raised my interest rate to over 20% and doubled my minimum payment. I got calls 20 times a day from a number (identified on-line as WAMU) with no message left and no way to return the calls. I called the numbers that came through and no one answered. This went on for a month, and then I got a statement telling me I had until a certain date to pay a certain amount. I called customer service and was put into a voice mail tree that asked me to verify that I could send the payment. I did and I sent more than the payment, but had to stop payment on the check as I had a car repair and had no other money for a week to use.

WAMU is arrogant and ignorant bank that treats customers as dirt. Their customer service is below ground zero. I thought if I would file a complaint with BBB that would make them listen to me, but they did not even try to call me. Not even once.

I have recently had a few unfortunate circumstances which have caused me some financial hardship. I have been dealing with their fees knowing I am having difficulty. On Nov. 7, 2007 I acquired a small loan to help me get current with my bank account and bills. Wanting the money to deposit into my account as quickly as possible, I deposited the check from the lending agent through an ATM machine. Then I sent in my car payment. I had no idea until 5 days later when I received a notice in the mail that instead of depositing the check in my overdrawn account, Washington Mutual had put a hold on it. This caused checks I had written to other businesses, including my car payment, to be returned with a fine at both Washington Mutual and the other places the checks were returned from. When I called the bank to inquire about the hold, I was told that because the deposit went through an ATM there is no person in the entire hierarchy of Washington Mutual Bank who can lift the hold. I am now late for paying my rent as well. By putting a hold on the check that was supposed to bring me current, WAMU has caused me to fall further behind while they are collecting more fees. No one at Washington Mutual will listen to me.

Over the past year, I've been banking with Chase bank, with a workplace checking account. Every time I've written a regular check, regardless of who or what company, it has consistently taken 5-7 business days for those checks to clear my account...until now. In October, I handed my Landlord a check for the rent on the 10th, and it didn't post to my account until the 16th. This month, I handed my landlord my rent check on the 12th, after 5:30 p.m.; he had to deposit it the next day. Interestingly this time, the check somehow manages to clear in less than 24 hours, and somehow posts to my account on the 14th. The problem with this is the fact that I checked my account on the 14th, after I got out of work, to find that at that point the check hadn't been posted to my online account activity view. Due to this, I made the decision to use some of the reserved funds, which caused 4 insufficient fund fees to be posted to my account.

My husband lost his job, and I have been very ill with the MCRA staph infection and have been in the hospital for several months, had 9 surgeries and extremely high medical expenses as a result. My husband has retired because he turned 65 and was unable to secure employment except for part-time which he accepted. We tried to set up a payment plan with WAMU. They would accept it one day, and then denied the plan existed the next day or refused to honor the agreement. They wanted nearly double of what we said we could possibly pay, so they continually reported us as late to the credit bureaus even though we paid the bill monthly. They always wanted more despite a payment plan and then raised our interest rates because we didn't pay the full amount.

I spoke with Saundra about the Washington Mutual Bank policy about third party checks--seeking a solution to a third party check regarding a joint venture investment. I told Saundra that my accounts at Bank of America and Nevada State Bank allowed me to deposit the check in a similar situation; especially since my son-in-law had signed the check and gave me a copy of his driver's license. Saundra's response was, "Why don't you just cancel your account with Washington Mutual and open a joint account with B of A or Nevada State?"

This bank practices shady accounting techniques in order to charge overdraft charge after overdraft charge. They don't show transactions as they occur. I had a business checking account with WAMU for quite a while but moved and signed up with HSBC. I went to a branch one hour away to close my account, and they told me they couldn't since I had pending transactions. The last purchase I had made was a good 3 days before. The rep even had all the recent transactions listed in the computer. I told him to give me the remaining balance--of course, stressing to cover all those recent transactions from a few days prior.

My son accrued fees of $120 from using his WaMu debit card 4 times in 5 days to buy items totaling less then $25. He had plenty of funds available in his savings account but a zero balance in his checking account. A few days before this happened he checked online to his WaMu account but was blocked from entering and told to call the 800-number. They did not tell him his checking was at zero balance or warn that he should transfer money from his savings (that would be looking out for the customer). He only was assured that a new password would be sent via email so he can view his account. That password was never received. Thus he was never able to view his account to notice his checking account was at zero balance. He was charged $120 in fees in less then 5 days!

I have used online banking with wamu for appx. 18 months and have lost several hundred dollars in overdraft fees. once I was overdrawn by $3.00 after having purchased 3 songs from iTunes. I had to pay $90.00 in fines for 3 ninety-nine cent songs. Several times I have checked my account balance in the account summary page on the wamu web site. It shows a dollar amount under the your balance column. If you are overdrawn there is NO negative sign preceding the stated amount.

We had a CD with Washington Mutual which was going to mature in three weeks. I called the bank and told the representative that we wished to redeem the CD at the maturity date. I was told that I needed to call back on the maturity date. When I expressed surprise I was told that the department that handled it wouldn't know what to do with a request that was submitted early. When I called back on the maturity date I was told I needed to send a notarized letter. I had to draft a letter, get it notarized, and get it there before the 10 day period after the maturity date in order to avoid a large penalty.

I opened two accounts with Providian bank cards, and then WaMu purchased this firm. I then get a change of terms notice that has increased my rate from a low, single digit to over 30%. I called WaMu to inform them that is is an error on their part, and they seemed unable to understand English. I have never been late on any of my credit accounts which also include a mortgage and am now paying my balance off from them every month to avoid paying them one cent.

In dealing with WaMu I have been charged numerous over-draft charges in what appears to be a devious manner. They charge me months later for balance inquiry fees, one after the other, to maximize penalties against me. I have paid nearly $300 in penalties for what was massive error on their part. I should have listened to friends telling me not to open or stay with WaMu. I have paid the price.

I cannot believe further action has not been taken against WAMU. In spite of their friendly-checking claims, they are downright nefarious in charging fees. WAMU has a way of posting fees and charges such that, even if you have adequate funds in your account they can charge NSF or overdraft fees. They are staunch in refusing to refund those fees. I have even proven to them that charges went through and did not bounce back as claimed. This affects nothing. This can't possibly be legal.

I applied through WAMU home loan center via phone. I was approved and offered specific terms for the loan. After finding the property and getting back to them I received a commitment letter directly from the office manager. The terms that were on the papers at closing were very different and in their favor. By this time, I was already committed and due to our specific situation had to close or would have incurred @$20,000 in costs if we had not closed that day. Without another lender lined up and ready to go right away we signed. Since then I have been trying to get the issue resolved (or at least the prepayment penalty canceled so I can refinance with someone else). I spoke to so many different people in so many different departments now. The office manager will not return phone calls, e-mails, letters. Now the executive resolution center will only refer me to their Ft. Worth Texas center. That office won't speak with me any further because I have OTS to report their dishonesty.

I manage a college textbook store. We've recently received a rash of bad checks that bounced when trying to deposit into our business account. So not only do we loose the amount that the check was written out for, we also receive a fee from our bank for depositing the bad check. So recently, we've started verifying checks to us. Most banks give you a toll free number, and you just enter in the account number on the check; takes 3 minutes. Well it seems like WASHINGTON MUTUAL seems to be the ONLY bank we've dealt with that CANNOT verify a check for a business.

I've been charged by WAMU over and over again for overdraft fees, which increased from $22 when I first opened an account to now $30. I have no idea what this is based on and how they calculate it. I've also noticed that they will deduct large transactions first, and then the smaller amounts after it to ensure you get charged more times for overdraft fees. Example: I paid $351 on 10/25/07, and just around midnight today, I see that they've already deducted it first, while two other smaller payments that I've made 3 or 4 days ago are deducted after it. It makes no sense at all, and now I've been charged three times for overdraft fees. That's $90. If they had deducted the money according to the dates that I had paid, then I would have only been charged for one overdraft fee.

WAMU Bank refused to correct an accounting error regarding my checking account, and they charged me about $150.00 in NSF fees. I took my money out in time-- and they REFUSED to close my account. They then sent my account to COLLECTIONS even though my account is still open!

I went to a local WAMU to make a Home Equity payment. I wrote a check indicating how much was to be applied to interest and how much to principal. The principal amount was entered incorrectly as a late fee, later reversed, then reapplied as another type of fee. This amount began to appear on my statements as a penalty. Not realizing how this fee originated, I paid it and later realized what happened. I have unsuccessfully tried to get my money back. I have refinanced and am waiting for the bank to issue a refund of the amount that was overpaid. Although my new bank asked for a pay-off amount until October 17, 2007, I found out today that WAMU is still going to calculate interest due from Oct 1 to Oct 12. Go figure. This bank's customer service and how their systems are setup to enter payments has to be one of the worst ones in the States.

They are going to ruin my credit. . . .I DID NOT GET ANY MONEY FROM CHASE!!!!!

I opened a checking account with Washington Mutual in May 2007. A month ago I became unemployed and can barely support my basic needs such as food or shelter. I was hoping since my balance was low, Wamu would only accept my transactions until I ran off out of funds. I ran out of funds around 09/26/07. However, my card kept accepting small transactions, and for every transaction they charged me $30. Yesterday I went to make a deposit into my account, and surprinsingly my account was overdrawn by $500. Out of $500, $480 belong to WaMu. I asked them if there's a way to reduce those fees, and they told me there was no way to do it since my account was recently opened.

I opened a new Washington Mutual credit card account and found that I did not receive my first billing statement. I called Washington Mutual customer service and advised them to send me out another billing statement. I also informed them in that call that I made an online payment through their website to post to my account. I asked the rep if my payment was late, and he said it will be one day late. I asked if I could get a 1-day grace period as I had not received my bill. He said no, and so I said if my interest rate will go up because of the one-day late payment then I wish to cancel my account. The employee then stated to me, "You don't scare me!"and hung up on me! He did not even cancel my account as I had asked. I called back for the employee's name and to speak to a manager, but all Washington Mutual would give me is the employee #457588 and an address of where to mail my complaint but no manager's name. (They are too afraid of me escalating this absurdity.) Well, I researched and contacted their corporate office and will be sending a letter to the President of their customer service department, Anthony Vuto, today.

On 10/1 I used auto bill pay with Washington Mutual as I do every month. On 10/4, I cancelled them after finding out about some additional expenses I would have. On 10/5, Wamu paid them all anyway! When I called them, I continually got the run around, telling me they were cancelled, then they were not cancelled. Two supervisors told me it took a day, and I would have my money back the following Tuesday. Then Tuesday, (after I got mad at them), all of a sudden it takes 3-5 business days. In the meantime, my account is almost $1000 overdrawn, and I have been charged almost $300 in fees! WHAT THE HELL! I feel helpless, as if there is nothing I can do but cancel my account, which is more of a pain for me than for Wamu. Who regulates banks and makes THEM accountable for their mistakes? Every person on the phone told me that the checks had not been written. They were sitting in THEIR bank collecting interest. In the meantime, me, with three kids and LOTS of bills, has $300 in fees, and an account that is $1000 over drawn. HELP!

I made an ATM deposit over the weekend expecting my paycheck to be cleared by Monday. Although it was not stated on the printed Washington Mutual receipt, a hold was placed on my check. While my deposit was on hold I made several purchases. I called their 800 number, and John (the supervisor) insisted that it is stated on my receipt. Well it isn't, and now I'm expecting to be hit with overcharges. I asked them to please remove the hold, since it is my paycheck (state check), and of course they refused. They went as far as suggesting that next time I make my deposit by walking into the bank and not through the ATM. This is an inconvenience to me, and it's a huge price to pay for their incompetence. This is a very sneaky way for them to make money off their customers for having given them a free checking.

A creidt card was opened with Washington Mutual in my now ex-husband's name. I had no knowlege about this card. Once we divorced, the credit card company changed the name to my name. They keep calling my home, and although I have spoken to several reps and even their fraud department explaining I had no knowledge of this--the debt has now hit my credit in the amount of approximately $9,500.00.

I have a Washington Mutual check account. I have been trying to set up ACH transitions between it with another bank. I placed the ACH on 9/25 via its online banking. Its online system took it but did not do anything further. I checked again on 9/28; WaMu had not made the transaction still. And, my ACH request was sitting there. I then issued cancellation to that request online again. Its system "took". Then, it did execute the ACH for the original request that night, resulting in my ACH return. It totally ignored my cancellation. I then was penalized by WaMu and my other bank. I called their call center (1-800-788-7000) on Ocotber 9 a.m.. Its CSR insists that I have to pay the $30 penalty. I told her that WaMu did not follow my request for the cancellation. She said that I have to pay the penalty. Then, I talked to her manager Chris. The manager told me that WaMu won't do ACH the same date you place the request. It will take 2 or 4 or more days. I told her my other bank did my request on the same date. Why cannot Wamu do the same as other banks? She said that is the "WaMu way" (for taking more than 2, or generally, 4 days). She insisted I need to pay for the penalty. That leaves me with no option but to stop banking with WaMu. Simply I do not have money to waste when WaMu does not follow my request in handling my money.

I have an account with Washington Mutual Bank and I opened my banking account online. The online banking offers direct deposit, but you can see your transaction history through the internet, as well as have the option to receive paper statements. WAMU charged me overdraft fees in the amounts of $29-$32 for charges that appeared on my online transaction history a day late. My account would have a positive balance on one day, and then the next day, I would see a charge that would make my account negative and the corresponding overdraft-fee charge. The charge would be dated for a previous day such as 10/01/2007, but on 10/01/2007 my account was positive, and the charge is posted the next day on 10/02/2007 with the corresponding overdraft-fee charge. I contacted WAMU many times regarding the way they post transactions. The mere fact that I can see my transaction history online helped me to identify how Washington Mutual charges overdraft-fees. They mark certain transactions as being on a particular day without notifying you of the charge until the next day, when it's too late and you have to the suffer the overdraft fees. WAMU's policy is that they will refund overdraft fees if you deposit money into your account (to make it positive) on the same day the negative transaction occurred. They get around their refund-policy by posting the dates for electronic transactions a day earlier without notifying you, so that the next day, you will have to pay the overdraft fee. The part that is not fair, is that you can call customer service on the phone (to check/monitor your account) and online/telephone bankers also do not see the transactions until you see the charges yourself on your online account history. So, calling the customer service line is no different than signing into your account online to inquire about your transaction history. WAMU cannot justify their dishonesty regarding this matter.

In July I signed up for AutoPay with WaMu to have my mortgage payments debited automatically from my checking account. I misunderstood when the autopay would start and the 7/07 payment never was debited, I overnighted the payment and it took them 2 weeks to post it. Then it was August and the payment was not debitted. I got a phone call from WaMu and authorized a debit for the 8/07 payment explaining about the autopay. The person on the phone wanted me preauthorize the September payment, and I said I was afraid to because of the autopay. She said there was nothing in the system for it so I preauthorized a September payment. The August authorized payment went thru. Then the 9/07 autopay went through, and then the preauthorized payment went through. Now my account is overdrawn (dramatically). I called, and it seemed all taken care of: they reverse the payment and eat $76.00 in overdraft fees. This all ocured from 9/16/07 to 9/21/07. On 9/24/07 WaMu redeposited the preauthorized 9/07 payment. Now I am overdrawn out of control and have over $400.00 in overdraft fees. I could not reach anyone at WaMu over the week end to resolve this and my bank said their hands are tied. They couldn't do anything. I got through to WaMu this AM and they say it isn't showing and fax them the print out from my bank. I have not received any response.

This is the first time i have done anything like this, but I am at the end of my rope. My complaint is about Washington Mutual who holds our home loan. We have been in our house for 9 years now, and when we first moved in we were fine, had good credit and lived comfortably. We refinanced in order to do some home improvement and we were taken advantage of. Our payment went up $250, and we were told it would go down. So we refinanced again, and the company WAMU. We got into an ARM loan, and now we are paying. We tried to work with WAMU, but they refused because we had gotten behind on payments. about a month behind. We had to resort to living off of credit cards to get by, before we knew it we were deep in debt. Again we tried to work with WAMU and they were completely non-understanding and rude. We tired all we could to catch up and never could. Eventually we had to file bankruptcy. We were told by our lawyer that WAMU would let us re-affirm if we wanted to and we could keep them out of the bankruptcy. So we did that, and NOT once did WAMU contact our lawyer about anything. After our bankruptcy was finalized we tried to contact WAMU, and again and again they have treated us like dead beats. We aren't asking that they take away our payments. We asked for some help to pay the late fees owed and catch up the one month we are behind. The girl in the loss and litigation dept.tells us that they would negotiate our late fees, and then the next guy says NOPE. They have even told us we should be able to make the payments because we should have more money now since we filed bankruptcy. We have caught them in flat out lies on the phone. Now they almost laughingly scold us on the phone when we call, and they tell us that they may not help us at all. It's disgusting how we are treated. We work hard for what little we have and are trying to stay out of foreclosure, but they are making it impossible.

My husband opened an account on July 2007 at one of the WaMu offices in Massachusetts for $8,000 to consolidate some of his personal debts. Today, September 30, 2007, I am reviewing my credit report and I just found out checking my credit report that Washington Mutual/Providian financed him andincluded me as an Authorized User/Co-Signer. I did not sign any loan documents that relate to this account. I did not know that a bank could co-sign someone without that person signing any papers.

I don't know how is it that they do it, but they continue to throw my account into negative and charge me $32 over and over. The way they list transactions justifies their charges, but it isn't accurately reflecting the chronology of how they happened. I have started keeping receipts. These receipts show balances totally different than what they report days later into their statement, which they use to justify their bogus overdraft charges. In about a month that I've had an account with this horrible bank, I've been charged hundreds of dollars in overdraft charges.

My paper check #1125 was written to pay my May mortgage and sent with a paper bill. Washington Mutual converted the check to an electronic payment and withdrew the money from my account 5/3/07. As of 8/8/07 I still have not received credit for the money they took because they claim they do not know what THEY did with the money.

I have a WAMU checking account and credit card. I use online bill pay to pay my credit card.

Washington Mutual Bank did a buy-out from Sierra Pacific Mortgage and took over our account. When my wife did not receive a mortgage payment notice, she contacted a representative at Sierra Pacific and was told there is a time period of 30 to 60 days for everything to get caught up with the new bank receiving all the accounting information. My wife was further advised to call Washington Mutual and check with them as well. When my wife called Washington Mutual Home Loans, they did not have any information in regards to our account.

I have been a Providian, now washington mutual, customer for 5 yrs and have never been late on a payment. I always pay more than the minimum amount due.

I opened a checking account with Washington Mutual on June 21, 2007. I made a deposit on June 25. My deposit was placed on hold and is still on hold as of July 1. I called the branch where I made the deposit at and they said they couldn't release the hold and they had me call the branch I started the account with. I called them and they told me to call the branch I made the deposit at. I called the 800 number and they told me the branch I opened the account at could release the hold. I went there yesterday, June 30, and was told that they couldn't do anything about it. I told them I wanted my money back, and they couldn't do that either as I have -180 according to them, even though I have $800 in reality. I couldn't get the money or my check back as it's on hold.

I have been a (Providian) now Washington Mutual customer since 1998. I have paid my bills on time and my account never was mismanaged but without warning or notice my interest rate was increased above 30%.

I had a special interest rate that had expired in June 2007. Chase received payment on the entire balance on May 24, 2007 . I was then charged 36.33 on my June statement for interest from May 16th to May 24th. Regardless of what the terms are on the back of the letter (of which I did not read where I had to pay the balance off my May 16th or be charge interest), they claim that I had 0% interest till June 2007! This is grossly misleading. May is May and June is June.

Chase closed my online account; therefore I cannot view my statement. They didn’t send me a statement in the mail. I called them the 15th trying to pay my bill. I then found out that they changed my due date to the ninth. How am I supposed to know that? I can’t get online and they did not send my monthly statement in the mail.

I opened a free checking account with Washington Mutual in 1999, at the time they didn't require a savings account to be opened as well. In 2005 I decided to open a savings as well since they offered a Platinum Savings account that wouldn't incur monthly fees if I signed up for at least $50 a month to be automatically debited from my checking and deposited into my savings.

I had taken out an instant credit loan in approximately 2002 from the Bank of New York, and had been making regular payments since then. The loan was for $800 and there was about $530 balance left to be paid. The first month after BNY switched to Chase, I went into the office to make the payment on the date that it was due: 4/9/07. They told me they had no record of my account, I spoke with two people, and they told me to go home, they had no record of my account. I did not receive anything in the mail about the switch to Chase, a new account number, or anything.

Our Family is in the process of refinancing our Home Mortgage. Washington Mutual has given our broker incorrect information and documented that in the past, we had a foreclosure. We called Washington Mutual and it took us 3 days to get a return call even with us contacting them on a daily basis. The person we talked to with a conference call with our Broker told us that they are in the process of sending us a correction letter. This was 2 month ago. When we finally received one, it was not the document our broker specifically asks for.

I contacted WAMU on several occassions and explained to them that my credit card and checks were lost and stolen while I was traveling. Well...WAMU stated to me that the credit card would be closed and nothing would be allowed to go through on my account.

Washington Mutual filed foreclosure against my property in June, 2006. I had gone through their Homeowners Assistance Program in Jan 04, which ended up being a nightmare and only the beginning. I never missed a payment since the Loan Modification Agreement was signed in March 04.

I originally had a loan with another company for my modular home. It was bought out by Washington Mutual. It went from a fixed rate to an ARM. I had no input nor was I given any consideration when this was changed. Washington Mutual has ruined my life. I also worked with a loss mitigation specialist who promised to help lower my payments but instead almost doubled them. I am going to lose my home because of this. They never send a statement. They call when I am not at home even though I have told them the hours I can be reached at home.

I had made some overpayments by accident to a closed account at Chase with no balance. I called my bank to report the error and they said they would take care of the problem. Shortly thereafter I got a check from Chase which I cashed. I thought the issue was resolved. Months later I got a call from Chase customer service saying that I had not paid my bill. I told them I didn't have an account and shouldn't have a bill. They indicated that there was a $400.00 balance. They sent me a statement and a letter indicating that my bank (B of A) had reversed a fund amount of $400.00.

Fax: 210/588-3202 Checking account with line of credit opened in 1988 and closed/paid in full/zero balance in 11/2004. Beginning in 10/04 (even before the account was closed) late fees were reported to the 3 credit bureaus and have hit every month since then (10/04, 12/04-12/06 and then 2/07! They are coming from the WAMU account number but under the name AMER SV BANK which WAMU purchased.

My husband and I own a real estate brokerage firm. We are Realtors and we also have origination licenses. We originate first mortgages and refinance mortgages for a local mortgage broker. We are very knowledgeable of FHA, FannieMae, and all of the government lending guidelines. We are extremely aware of all of the unscrupulous, predatory practices of many of the sub prime lenders. In September 2005 we were granted a 90 day deferment to pay our personal mortgage on our personal home with Washington Mutual because our home was located in the Katrina/Rita Disaster areas. We made our mortgage payment on November 30, 2005 as agreed with the deferment agreement. Washington Mutual told us that we would not be reported as late and that no late fees would we added nor collected during this special 90 day period. In December 2006 we had our credit pulled so that we could refinance our mortgage out of the ARM which has been increasing by 1% every six months, only to find that Washington Mutual had not only reported our mortgage late during the 90 day deferment period but that they had in fact reported our mortgage as 6 months late which is considered in a foreclosure status to most lenders.

Today I am paying both Washington Mutual and Chase bank because none of them bother to look in to the issue as long as I pay my monthly minimum. Today both Chase Bank and Washington Mutual have harassed me over the phone at all hours of the day plus any day of the week to pay them. I try to explain the mistake both banks have made but no one listens. I have no other recourse but to make this complaint.

We deposited four payroll checks and a refund from State of Illinois checks. ALthough we were not notified in any way shape or forn- Our accounts (and the accounts of our children) were frozen. We were told that the notes as to why were vauge and they would wait until the person came back to work. In the mena time we were left without any money at all. We spoke to a Supervisor named Andrea. When we told her that we would be seeing the appropriate govermental bodies for an audit. She replied that we wouldn't be the first people asking for an audit. While we love our branch people- the customer service line people do not speak enough english to be of any help at all.

I am very busy and I use the Washington Mutual Express Deposit that is supposed to credit your account at closing that same day. I am charged 28 dollars for each one. They have also held my daughters payroll checks without telling her and charging her 28 dollars for each NSF

Washington Mutual increased my APR from 12.74% to 21.74% even though I have never been late with a payment, never missed a payment, or gone over my limit. When I contacted them, they would not give me a reason for the APR increase but said they would lower it after talking with several account managers. After five months, the rate has not been lowered. They have increased the monthly minimum payment due and I am barely keeping the limit from going over each month.

My husband and I opened a checking and a savings account. The savings was set up for odp. A few months back I was laid off from my job, so we did a lot of transferring of funds between the two accounts. Chase converted our savings acct. into a checking, but didn't tell us they removed odp. I was charged $350.00 of overdraft fees, even though there was money in our other checking acct.

About two weeks ago I tried to make a payment to Metro PCS over the phone using the automatic bill pay by phone. The bill pay system declined my payment that I was trying to make through my debit card. I call the one eight hundred number for WAMU and I spoke to an agent, the agent advised me that the payment was processed and that it was pending for payment. So the next morning, my cell phone was cut off because on non payment

I had a credit card with Chase Bank with 0% interest for a year. My balance was $3,500. I lost my job but had credit protection so my payments were frozen. The month I got my job back they immediately raised by interest rate to 29%. No amount of talking to anyone would lower it. They would not agree to restructuring of the debt through Consumer Credit Counseling either. The $3,500 has increased to $5,800 with interest, finance charges etc and I refuse to pay it.

Washington Mutual keeps ripping me off with all of these bogus $27 fees saying that I'm overdrawn on my checking account. I have, since the first incident and after having that incident reconciled, only had money put into my checking account to pay bills. The first incident they accidentally put my funds into my savings account when I asked for it to be put into my checking account and then they proceeded to charge me for overdrawing funds in my checking account. Now it appears they're saying that I have overdrawn my checking account again. I've kept a close eye on everything I do with my money and where I put it and how I record it in my checkbook.

When paying my credit card bill last month I made an error when I wrote the check. The amount owed was $275.00. I put this amount in the box on my check, but when I wrote the amount below I mistakenly put two hundred and 75/xx. I was unaware of this discrepancy until I received my February statement. On this statement the company had raised my increased my interest rate from 3.99% to 23.99%, and was also showing my account delinquent.

I have both a mortgage loan and an equity loan from them. I had a legal court ordered name change and have had a nightmare having WaMu recognize it. In other words, no transfer of any kind, just getting the new name on the loans. It's been over 4 months and 15 phone calls to customer service, various departments and their executive response team to get them to do anything.

In 2001 my husband and I purchased a truck through Bank One, which Bank One sold out to Chase Bank. Our interest rates went way up, due dates on the auto finance and credit card changed, which made our payment late. In May 2006, my husband was diagnosed with cancer. We purchased the credit life on the auto at the time we signed the finance note, and called Chase Bank Auto Finance to get the credit life for my husband started. The female we spoke with told us we had none, but we needed to pay our payment.

I had heard horrible reports about Washington Mutual before this incident. However, I saw a great interest rate of 5.00% online for checking and savings with no monthly minimum and decided to sign up online. Once I finished inputting all my person information online, I was told that I would receive an email with my account numbers. When I received this email, it only listed the last 4 digits of my account numbers. I assumed this was for security reasons and I called WAMU's 800 number to get my full account numbers. What followed is why I'm sending this complaint.

Going through hardship, I contacted WaMu regarding my home payments; I was three months behind. They set me up with a Loss Mitigation Specialist who said she would work with me to try and refinance to a lower house payment. This was March of 2006. After faxing and mailing all the information she requested, over a period of 4 months (she kept requesting more and different info everytime I talked with her) and, in the mean time WaMu started foreclosure proceedings, she finally sent paperwork. Not for the refinancing, but to pay back the attorney fees for (2) letters sent out by their attorney in the amount of almost $3,000.

I enlisted into the army jan 1999 at that time I fell under the Soldiers Sailors Act. After fighting with what at that time was Providian and now Washington Mutual I got my 6% interest for about two months then after that not only did they discontinue to obey federal law but shot my original interest rate to 29% to regain the lost funds from the act which in itself is illegal. It specifically states that they cant raise the interest rate above what it was before going on active duty. Ive fought for 8 years to get back my money and get this corrected with no luck -- apparently they don't need to obey federal law.

We have had many problems with our checking acct. with Washington Mutual over the 5years we have had it. This time, we are done with them. I deposited 3 separate local checks into the ATM at our branch. I have done this many, many times. However, I could not withdraw any cash. I waited over the weekend, thinking it was because it was a Friday and it had to be ledgered.

A cash deposit of $643 was made in the branch through a bank a teller. The next day when I checked the account the deposit was reversed and only had credit of $443.

Washington Mutual has threatened foreclosure on my home 5 times in the last three years! Each time they claim payments have not been made and I get a letter with ridiculous amounts due in order to cure the default. Each time I have had to prove their records are incorrect. In order to do this I have to take days off of work and spend HOURS on the phone, being switched back and forth between departments and each time I'm transferred I have to start over explaining the past three years experiences to phone operators who act like they could care less.

I would warn anyone to stay as far away from Chase as one possibly could. I was not a customer of Chase, they happened to buy out the bank that I was dealing with. This was a horrible thing to happen. I have had nothing but bad experiences with them. The customer service reps are extremely rude. I even had a so called supervisor by the name of Miss Garcia practically threaten to put false information on my account after I told her she was not helpful and I wanted to deal with someone else. After they took over, my interest rate was raised to 29%. After about a year, I called to request a lower rate and was told that a lower rate was not available. Impossible! My rate was raised in the first place because according to them I had too much credit. I wish something could be done about them. They shouldn't be allowed to get away with this. If you ask me it's a form of theft.

What a mess Washingon Mutual has beome. There on-line banking is so unreliable. If there is a problem the customer service people you talk to are plesenat, but if it goes any further there is no follow up and no return communcation. I had a deposit stolen, I reported the problem. my account was closed. They didn't tell me I coudn't get my money out of my account once it was closed. It's been 2 months and it's still tied up in there. No one will give me an answer. I call customer service. They tell me to go into the branch, the branch tells me there supposed to handle it on the phone.

In the process of selling our home, we discovered that a line of credit had been taken out on our property. A Ma Alexander Kuang Shin has a $173,000 credit line (revolving) on our home of address. This loan was provided by Washington Mutual. We spoke to Washington Mutual on many occasions trying to clear up this dilema. They are unwilling to help or investigate this situation. They claim they cannot look up any such accounts unless the actual loanee asks for it. Washington Mutual suggested we contact ITC title company, and ITC says to contact Washington Mutual. The sheriff will not do anything without an account number, which we don't have. We feel there has been some fraud in which our home was used as collateral. We are not wealthy and cannot hire an attorney, or private investigator.

I paid the May mortgage payment late and was in the process of paying in Aug (all payments, June,July and Aug) when they sent back the May payment and foreclosed. I cannot get in touch with the attorneys representing them and am trying to get in touch with their work out dept. I was trying to catch up due to my son being involved in a divorce, which has cost me personally $45,000 i had to borrow and am repaying it, plus he borrowed $50,000 on his home.

The bank advertises that there is no fee for foreign or domestic withdrawals but every month I get charged a dollar for each withdrawal.

My original account was with Bank One. I set up an automatic monthly payment of $200 with Bank One when I opened the account. They were subsequently bought by Chase and, even though I have had a zero balance since May of 2006, the company continues to withdraw $200 from my account every month. I have called numerous times to attempt to resolve this matter and have been told that no one in the organization can get computer access to stop these payments. Chase has issued me refund checks twice, once in June and once in July. I canceled the card in June. Upon checking my bank statement on August 6th, I see that Chase yet again taken $200 from my account. I find this to be totally unacceptable.

Washington Mutual Mortgage decided we needed wind insurance for our home. We already had wind insurance on our current policy. No one notified us about this change! Our payments went up over $300.00 a month. My husband and insurance agent worked on getting the bogus insurance removed and our payment back to normal. We were told that it would be corrected. Our house payment was supposed to go back to the regular amount and the money they took from escrow repaced. Today I received a call telling my the payemnts were still wrong and they were once again taking the money out of escrow. I tried to explain the the woman about the insurance mistake, but she wouldn't talk about it. My husband is once again taking off from work to go to try and straighten this out. Washington Mutual is not helping us.

Back in March we started to refinance our home. Nathan the loan agent dragged his feet to do everything. I was calling every week to get things going and he never got back to me. Not until I started threatening to go with another company did Nathan bother to get back to me and get things going. This was now mid May. We continued the process, he said he had to charge me over one point in a half for a 30 yr. fixed rate. I told him the point fee was too high because out interest was not low; however, we wanted to get this going and we took the point fee. I then received the complete package in the mail for my husband and I to sign.

I have contacted Washington Mutual on more than one occassion for failure to pay my property taxes. Taxes were due on 3/29 and the response received Please accept our apologies a property tax payment was made from your escrow account on 04/12 all penalties were paid from our funds. Now, they paid my homeowners insurance in error and cannot reverse their mistake.

Briefly: After settling on a minor reduction in charges for overdrafts on April 4, 2006, I paid them immediately. The next day Chase charged me for 3 more overdraft charges ($96) when there was no new account activity since April 3rd. They refused to refund the $96.

I was discharged from a Chapter 13 back in November 05 and was to start making my regular payments in December 05. I made two payments in January 06 which would have been December and January's payments. I did not make February's payment, but did receive a statement that a payment was made in February. I called and talked to WAMU in March and was informed that I was four months behind and in Foreclosure. Of course I freaked out, knowing that I only owe two payments not four.

House went into foreclosure after husband lost job. Washington Mutual uncooperative. Put house up for sale through RE/MAX. Thirty people came through and only one buyer. There is a signed sale contract in the amount of $294,900 that Washington Mutual is refusing. Because of a "driveby" inspection, they feel we should get more money for the house. The house is in need of lots of work so potential buyers were turned off. Washington Mutual is charging us $630.10 for this driveby inspection. Nobody from this outfit stepped foot in this house to inspect it and they are charging us that exhorbitant amount for someone to inspect from the street?

As a result of the mergers and acquisitions in the finance industry in the late '90s early '00s, I ended up with existing mortgages for both my home and rental property being taken over by Homeside, then by Washington Mutual Home Loans. When they changed over the existing loan numbers to their numbering system, a year later when they changed their own numbering system due to their database software upgrades, when they first implemented "ACH Drafting automatic draft service"; all these would end up with me getting a delinquent loan payment threat letter for one property mortgage or the other.

For the past 6 to 8 months we have been trying to get the proper payoff amount and have had NO success. WAMU is overcharging and not applying payments properly. I am at my wits end and am filing a formal complaint with the Comptroller of the Currency and Equal Housing Lender. I will also forward this via email to Channel 2, Channel 4, Channel 5, Channel 7 and whoever else will listen because we know Washington Mutual is NOT!!! You really need to have someone take care of damage control. Because this is a train wreck waiting to happen.

Our home loan was transferred to Washington Mutual. It took several months before we even received information on where and how to make payments. The customer service department is rude, unknowledgeable and unhelpful.

I took out a home equiline loan from Washington Mutual. I was told that in addition to using checks, I could use a VISA card that worked like a debit card. No mention was made of any fees for using the card at this time, or at any time I worked with a sales person. However, when I used the card at my primary back to get a cashiers check the boat vender requested for a purchase of a boat, I was charge a 2% fee.

I opened a joint account with my boyfriend at Washington Mutual in '98. After we split in 2001, I tried to close the acct but it was the bank's policy that both of us had to come into a branch, and my ex refused. The acct stayed open until last month, but had no funds in it.

I have a home equity line of credit with Washington Mutual (WAMU) since March 2001. It's an interest only required payment. Payment is due on the 1st of each month. There is a grace period of 15 days. I generally pay more to reduce the balance. In November 2005, I noticed that the entire payment (interest plus what I thought would go to principal) went towards interest only. I though this to be a mistake. December's payment was applied correctly. In January and February the payment was again applied to interest.

I opened a saving account December 14, 2005. I have a checking account with the same bank except that I opened the account in New York. I requested full access to my saving account (deposit and widrawal). First error, the person who opened my account did not give me my account number. Second, I don't have access to deposit or withdrawal money from my account except if I go to the teller. I am not allow to deposit or withdrawal money from any ATM. I requested another debit card to make transations with my saving account, the bank argue that I can not use my debit card from my checking account because was opened in another state. It passed 8 days and I did not receive the card requested.

This company has consistently failed to post my payments thus causing my payments to be late and billing me late fees. They have also changed payment addresses more than four times and further claim my payments are late. I have made all payments and they have entered my property into foreclosure. They lied to the court claiming I have not made several payments and later stated they are holding onto the payments.

I made my home loan payment for April 2004 on time, as usual. WAMU did not cash the check until June 21, 2004. They reported it as late and the person I talked to at WAMU was really nasty when I asked them to remove it.

I refinanced a 20 yr old mortgage to lower the interest rate and the lender made an error and escrowed my hazard insurance. I have never escrowed the insurance the whole time I have had the loan. After notifying them of the error they removed the escrow, but unforunately for me assigned servicing of my account to Washington Mutual who then put it back on.

Foreclosure procedings started after I called asking about balance on account. They informed me a returned check 10/04 1747.26 and no payment 7/05 balance owed $3473.67.When advised something is not right and I called them back advising an error in the amount of the returned check and where is the other money. They said I would have to get a copy of my cancelled check. Within 3 weeks (November) they sent foreclosure papers saying I owed for Sept-Dec 05. I paid November, they sent it bak mid December, and refused my Dec. payment.

They removed $250 from my account due to them applying a deposit to my account from a bank which had insufficient funds. The deposit was signed by a "Doris Jefferson" and they wrongly made a 1 digit error and applied this deposit to my account. The problem came in the fact that they did not do +250 and then -250. They simply removed $250 from my account.

Washington Mutual has misapplied our mortgage payments for more than 6 six months. They did the same thing last year, it took us months to get it straightened out. They have done it again. Customer service is useless. They all say the same thing, fax a request.

This company holds our payments and then bills us for 2 months with late fees. I have mailed the payments with tracking numbers and they are received before the payment is due. They are in the processing of doing the same thing right now. They claim that they have not received my payment for December or January and now are asking for late fees. This is a racket with these people. I bet if you check into this that you would find a lot of this.

Washington, which holds my mortgage, consisently mis-posts payments to my account, requiring me to make telephone calls to correct. Some telephone operators are rude. Supervisors always are. With each payment, I send extra money to apply to my principal. Invariably I find that the money is either not applied to principal or is applied to future payments. Not clear to me why the posters would make those decisions rather than following instructions on the payment remittance, which is quite clear as to where the extra money should be posted.

My parents were behind on my house payments due to illness. They had been talking to the same person at Washington Mutual. They sent a check to catch up all the payments. Only to find their check being held--The company said it was short. After my daughter talked to the company it was discovered the check was $21.00 short. Washington Mutual held the check and sent my home into foreclosure.

Received November 2005 Statement indicating I had missed a monthly payment. Contacted Customer Service and was told I had missed June 2005 payment. I denied it and faxed them copies of my bank statements and copies of my cancelled checks. Never heard back from them concerning "missed payment". Received December 2005 Statement once again showing I had missed a monthly payment.

I had a checking account with Washington Mutual and there has been so much trouble with them that I finally closed the account. The account was in the red and I had several attempts to find where to send the money to. I one point I was sent to their Employee services, I am not an employee. In the mean time Washington Mutual turned the matter to a collection agency.

I signed up for electronic bill pay using Washington Mutual after being a customer with them for 5 years. To test out their system, I only set up one Payee - my monthly rent check. Although my rent check is being debited from my account on the 28th of each month and my rent isn't due until the 5th of the following month, my rent is consistently showing up late.

Washington Mutual (WAMU) took over my loan from Great Western Bank some years ago, that I initiated in July of 1979. There were occasional problems but the real incompetence did not emerge until I attempted to obtain insurance coverage on my now-vacant property so I could begin rehabilitation. Previously WAMU had forced me to initiate an escrow account to cover property insurance on this address.

I have been charged Around $1000 in late fees and over draft charges, they are misleading to customer about their free checking account they never provide them with facts that free checking isn't free as they say.

I have a Home Equity loan. Starting in September 2005 I began calling Washington Mutual to try to obtain information on what my options were if I was not able to continue making payments. I wanted to see if I could get my payments reduced. Since February 2005 I had been paying all the bills myself because of divorce. I knew I was not going to be able to continue this and wanted to find out what my options were. The house had been on the market since June 1st without any movement.

We had a home loan and an equity loan with Wamu.We refinanced and they were paid off everything including the $500 cancellation fee. Almost a year later we go for a home loan to purchase a property and we find out that they never closed out our account and are saying we owe tham a $500 pre-payment fee and are charging us interest every month we don't pay it and it is reflecting negatively on our credit report.

Breach of express promise to reverse all, and or part of bank fees assessed against my personal checking accountamounting to a sum in excess of $450.00, and or provide me with next-day resolution to my benefit of excessive fees discretionarily assessed againt my account. Pattern of conduct indicative of abusive treatment in context of fiduciary relationship. Breach of trust; ethical breach.

I am a full time mom and recently admitted to grad school at CSUEB. In order to pay for the expenses of Grad School, I applied for and received a student loan. Ironically I asked for Washington Mutual to be my lender. I deposited my student loan check into my Washinton Mutual account on Saturday Oct 22nd using the banks ATM machine in Castro Valley CA.

My loan was with Homeside Lending in Florida when it was bought by WAMU. The only way I knew this had occured was I happened to be working there at the time. They changed the mailing address numerous times with no previous notice, I went for over one year with no coupons or statements with which to send in my payment, and at one point, while working there, I was told that I could now send my payment into the servicing department in our overnight work and it would be posted the next day.

On 9/1/05 I deposited at my Chase branch two money orders each $500.00 and a $1731.00 tax return check.I found out the bank lost one of my m.o. and short changed me $500.00. The assistant manager credited my acct for the $500.00, then took $500.00 from my acct.a month later because the m.o wasnt found by the bank.

I had a savings and checking account with WAMU for over 9 years. I recently had checks stolen from my locked vehicle. I reported it to them and the police. Lately some checks had started to come in (the stolen ones) and it made me overdrawn. They said they would look in to it. I was not going to pay the charges that accrued. I had my $5 in there to keep the account open until my next paycheck.

i deposited more than one thousand dollars on Sept 23, 05, to the automatic machine. However, they held my check and when a $600 - bill came, they returned it, without paying it. Furthermore, they charged me 23 dollars a lot of times , in total: $275 due to insufficient funds, but they hadn't explained to me clearly the BIG difference between depositing the money to the automatic machine, to going inside the bank.

On September 9, 2005 We deposited into our account $480.00 dollars cash. This was done thru the ATM. On the following week we received a letter from the bank advising us that we keyed the wrong amount and that they had only received $180.00 dollars. I immediately called the 800 number and was advised that they would have to do a research to see if the bank had made the mistake.

I recently wanted to refinace my home from an interest only to a 30 year fixed without taking any cash out, I have been informed that I have been denied due to my credit report, which states that I have had a mortgage within one year, and I was a previous customer with Washington Mutual, so I don't understand, however, I have provided them with the name of my mortgage company, and still no phone calls.

I had a loan with Washington Mutual (loan 1). I also had a home equity loan (loan 2)with Washington Mutual. To take advantage of the low interest rates, I refiananced with Washington Mutual. I consolidated both loans. Loan 2 had a penalty for early termination (before 3 years of having the loan). The bank reps told me that since I was in Georgia that this clause was not legal, so, I consolidated both and ending loan 2, seven months earlier than the 3 years. I was penalized $500.00. I have sent letters to them stating that I was given incorrect information causing my actions. I have been ignored.

I have paid extra interest for 2 months on a loan that should have been refinanced by the end of Feb. I have taked hours of my time calling and trying to get a resolution to this. Emotionally, I have been very frustrated and angry to near tears at time. I cannot get anyone to help me.

I did this until I recieved a letter saying I had late fees. When I asked the reason for the late fees I was told payment was not received, when I said that was not so because I am ahead with my payments I was told my account is not set up for split payments which no one told me until I brought it to their attention. My problem is why did someone not contact me when the first split payment was received and where did the late fee come from? Adjustments were made but now my interest has gone up and so has my balance.