I had an adjustable rate mortgage for which the full principal and interest payment was automatically withdrawn from my account monthly. After 3 years, when the rate adjusted, without warning, they changed the repayment option I was in to the "minimum payment" which didn't even pay the full interest amount. Without realizing it, despite my monthly payment having increased by 50%, I was in a negative amortization situation--the amount of principal owed was getting LARGER each month. FRAUD!

Thsi WaMu cashed my 2 checks (1000$ and $430) the checks were not endorsed nor am i ever thier customer. they refuse to cooperate with police or give account. I reportedd the lose but when Western Union gets the return from a "bank" they consider it good...

I am disabled Sr. and chased this down with great difficulty to be stone-walled with no accountability by the bank. To do what was done has to have involve ' priviledge' at some management level. I want and need my money !

Please help?

This bank is a rip-off!! They withdrew $$'s from a working check account to cover another overdraft of $74 in another account without telling me (I had over $2000 in an attached Savings account that they should have taken from) and therefore threw my other 1 account into overdraft. Of course they immediately began charging me $34 OD fees. This is completely unreasonable and unethical in my opinion.

Anybody thinking about opening accounts with WAMU, should DEFINITELY RECONSIDER AND LOOK ELSEWHERE!!

I am closing my Washington Mutual checking account today, which I should have done years ago, when this pattern began. What they claim is that customers who have a home equity line with them get free checking. What they actually do is give it free for a while, long enough for you to stop checking for bank fees. They they slip in a $20 monthly fee, and you're still not checking, since you have it in writing that you won't be charged. After a while, you get a notice that your account is overdrawn.

In this last case, it turns out they have been charging me for nine months. Guess how much they will refund? Three of those months. Their script goes that it's the customer's responsibility to check their statements for fees. My response is why do they expect customers to check for fees that, in writing, state will not be charged. I know one other person who left the bank for the same reason. I'd venture there are many, many people being ripped off. I've been shorted $120 that the bank is pocketing, and that is only what I know of. Chances are this has been going on for years without my catching it.

And f.y.i., the script issued to me on the phone by two different supervisors tips off the scam: Why would a bank, or any business, not correct their own errors that occurred more than 90 days earlier? Because they know they have a lot of people who actually believe they aren't being charged and they can run up the bills well past 90 days. What an unethical way to run a business.

WAMU's customer service specially the fraud unit is a disgrace. WAMU notified me that I deposited an "empty" envelop thefore they are taking the money out of my account. I looked at my account and found a series of fraudulent transactions. When I reported this to WAMU they declined my claim right away. No investigation, no nothing. Reason for denial is because I did not lose my ATM card nor did I share my PIN with anybody. That the PIN is a personal ID. How stupid can that be? So what is the use of the camera that are installed in each ATM, what is the use of a fraud department if they do not want to investigate. And this transaction was done the same night that WAMU was bought by JP Morgan. Is this an inside job or what.

I have been with this bank for more than 10 years and this is the kind of service I got. First day: I waited 1 1/2 hours and 6 transfers. Second day, customer service said "I cannot help you, you have to call this number, Can I help you with anything else?", 3rd try, I went to the branch office, branch office called the department and transferred the phone to me saying they are declining again. That a manager will call me within 48 hours to explain why I was declined, 24 hours had passed, I am still waiting. They could not even give me the name of the manager.

Is this the kind of service you give to your customers? You're like a Goliath treating small hard working people like dirt. LOUSY customer service, the tone and attitude are condescending. if you cannot do your job or unhappy with your work, just QUIT. Other people who really need jobs can provide better service than you.

I wonder how many fraudulent transactions were committed on 9/24/08. if you have the same experience, please, let your voice be heard. I am all alone here trying to fight this giant institution.