I was shocked to discover that the aforementioned credit card company increased my interest rate in excess of 50%. More importantly this increase occurred without my knowledge. To date I've never been late on a payment. Additionally, I always pay a significantly more than the minimum payment.

Currently my credit score is higher than when the company issued me the card! When I inquired about the rate increase WAMU could not provide me with adequate justification. Their response was ' We sent out a letter in April'! It is my intent to pay off this card as soon as possible!

I have filed a complaint with my state representatives urging them to support HR 5546, The Credit Card Fair Fee Act. Please pass the word; acts of consumer abuse such, as this should not be tolerated. Without the consumer this company would cease to exist.

Additionally, I will do what ever I can to help stop these abusive practices. If an individual or family were experiencing financial difficulties these practices only compound the issue! This is criminal. If you have been victimized by this company please consider utilizing the following is the link to contact your representative:

UnfairCreditCardFees.com

My payment was due on 09/11/2008, I couldn't make the payment until then, I went online to make the payment and it wouldn't let me schedule it for the 11th, I called customer service and she told me to schedule it for the 12th and it would show I paid it on the 11th, I just got my statement for Oct. and it shows a late charge of $39.00. I called and talked to Rena which is the customer service represenative from Washington mutual I told her the situation and what the other rep. told me, she asked why I didn't chose the speedy payment for $14.95, I told her I was told that I didn't have to chose the speedy payment because it would show I paid it on the 11th of Sept, even if I posted it for the 12th of Sept, and I told her that it was against the law for what they did.The rep. Rena started arguing with me so I told her I wanted to speak to her supervisor and she hung up on me.

I financed my mortgage with WAMU, paid off the account in full and with interest and late fees. Then I found out this week that Washington Mutual (WOOHOOWAMU) has been reporting me as a Foreclosure. Now I have to dance around the phone lines and non-english speaking customer service reps. at WAMU, woo hooo. I guess I should get on the ban wagon and sue to defamation of character.

Who do i call? Loanbusters??? I have had Lexington Law Firm handle this once before with no results. Now I have to hire another lawyer to sue these bastards, well thats not a problem.

A vendor wrongly charged my card $94.85 resulting in the card being over the limit. When the error was reported to WAMU and the offending vendor, the vendor refunded the wrong billing but WAMU would not refund the over limit fee of $35.00.

As I sit here typing this, I have now been on hold for 1 hour and 49 minutes. It wouldn't be a problem but this is not the first time I have experienced this with Wamu. Some background: I went online to check my balance and saw some charges on my account that I had not made. I called the 1-800 number provided by the website only to spend the next 10 minutes in automatic response purgatory. There are simply no options for speaking to a representative.

When I finally managed to get through, the girl I spoke to told me I had to speak with someone in another department, and that I would be on hold for "up to 15 minutes" due to a large call volume.

That was almost 2 hours ago.

I am still on hold and am basically a prisoner to my phone (and Wamu) on a lovely Saturday afternoon. Swell.

I would be slightly less furious if this hadn't just happened to me LAST WEEKEND when I was in Canada for a visit. After an embarrassing refusal of my card at an upscale restaurant, I called and learned that a security hold had been placed on my account and I would have to remove it. It was irritating enough that this hold had been placed without ANY communication to me, but to add salt to my wound, I had to *again!* be placed on hold for excruciatingly long periods of time (especially given that I was on my vacation - I hadn't planned on spending hours on the phone w/ Wamu). I had to call three times before the issue was resolved (the first two times I was inexplicably CUT OFF right when I had gotten through to a representative after waiting on hold for 20 minutes each time, the second time it happened I almost cried I was so frustrated).

Washington Mutual's customer service is the absolute pits. I see those "customer friendly" commercials on TV and I literally laugh (bitterly, it's a very bitter laugh).

Two hours and 1 minute. Still holding...