I had a mortgage with WashingtonMutual for four years. I have tried to delete PMI, WaMu sent a letter indicating that I must have an appraisal done at my expense. I found an appraiser in my area for $275.00. However, Wamu told me that it is there choice on selecting an appraiser though it's at my expense. So I had to pay $335.00 directly to Wamu. After I followed all guidelines for PMI deletion needless to say Wamu declined to delete this senseless charge. Wamu is a fraud.

I have had a Washington Mutual master-card for about 8 yrs. I have repeat-edly requested my account be reviewed to lower my interest rate(presently @ 31.99%). I received an offer from "wamu" @ 12.99% 'PREAPPROVED'rate and a transfer bal. of 0%. I spoke to the customer service rep and she told me because my account was older than 90 days she could not honor the offer.The agreement does not state ANYWHERE terms of this nature. (product #222T92E) I have been an excellent Cardholder with a good track history, (with no consideration). I think this offer is truly not honest and over the past eight years they keep telling me they'll review my account, HELLO? In hindsight I think this is wrong. (p.s.--the highest card I hold has a 15.99% and lowest is 8.99. There's nothing wrong with my credit. Help. Chana Fonte.

It is time to do something about credit card lenders such as WAMU who practice deception in their credit lending practices!

I have been a customer with WAMU since 6/2000 with a perfect payment history. To my surprise, when I opened my latest statement my interest rate jumped from 5.99% to 16.34% to now 25.29% all within 6 months.

What kills me is that I have not been late on any other credit account that could warrant such a drastic measure on WAMU's part. This Ladies & Gentleman is called "LEGALIZED LOAN SHARKING!" And trust me when I tell you that I am going to do something about it.

I called WAMU this afternoon and successfully spoke to 1 Customer Service Rep, 2 Supervisors & 1 Customer Relations person. I had to kindly ask them to stop apologizing and giving me the typical sterile and robotic answers that they dish out to customers and start taking responsibility and accountability for what they are doing to their customers.

At first they tried to state that they periodically review customers accounts and change interest rates based on their review. When I asked them what my FICO was, they stated that they were not allowed to discuss that with me. I advised them that that is not a correct statement because legally they are not allowed to run a full credit report on me and that the truth is that my excellent credit score had nothing to do with it. Then they stated that my credit limit on my account was high. When I asked them who set my credit limit, they advised me it was them. When I asked them to specify what area of a signed agreement noted that if I used my credit line, it would increase my credit rate, and they advised me they did not know.

So in recapping my conversations with all of them I stated:

" So let me understand this...I have been a perfect paying customer for 8 years, you don't have any idea legally what my FICO score is and you don't know who really authorized this unjust credit rate increase and there is nothing you can do about this? - Well here was my answer to them...Isn't the real problem is that your CEO in April was asked to resign by the stockholders for mismanaging the home loans turning WAMU into a foreclosure nightmare? Isn't this the real reason that you are picking on your good paying customers is because your company made horrible financial mistakes and now you want to tap the good paying customers for more money? If they consider me a risk, how does jacking up my rate 10% and increasing my payment by $100.00 a month solve mine or their problems? Or are they just like the large oil corporations who increased the gasoline prices 125% in the last 12 months, or the food industry who increased all of the food prices by 38%, or the water company who increased water usage by 50% starting July 2008?

I really get it now...so all large corporations are all squeezing us to death. Well I am not going to take it any more! It is time to go after them & my first mission is WAMU and it is for Loan Sharking.

I will get in touch with Rep. Carolyn Maloney (D-NY), who chairs the key House subcommittee with jurisdiction over unfair credit practices, along with Reps. Mark Udall (D-CO), Keith Ellison (D-MN) and Lincoln Davis (D-TN). They are among the now 61 sponsors of the Credit Cardholders Bill of Rights Act, HR 5244, introduced by Rep. Maloney.

If this does not work, I suggest that we all quit our jobs (if we even have one right now), collect unemployment & declare bankruptcy. That would allow us to completely dissolve our credit card bills (that we have all been using to pay for bare essentials because we can not possibly keep up with the cost of living) and allow us to make reorganized mortgage payments and get food stamps (to help pay for the inflated food costs.)

The Banks and Lending Institutions have financially ruined this country. I don't feel sorry for them at all. I hope the stock market crashes and we fire and imprison all of our elected officials for doing a crappy job! I am sick of all of these messes and look out because I am going after all of them...starting right now!

I'm sure everyone gets these "pre-approved" credit card offers once in awhile. We've received hundreds from Washington Mutual in the past couple years. We decided to "accept" the "offer" [note: we did NOT "apply"] because the terms were better than our other cards and our plan was to transfer the balances. We were rejected.

We have had a credit monitoring service since early 2006. It alerts us to ANY changes in our credit. So when WaMu stated in their rejection letter that the initial offer was made based upon a "preliminary review" of our credit, then went on to state that it was an issue on our credit that led them to reject our acceptance of their offer, we scratched our heads. Our credit score has done nothing but go UP in the last 2 years. We have had no derogatory info whatsoever posted since January 2006 when my score was about 615. as of May of this year, my score is 688, my husband's score even higher (the "offer" was in my name).

It's my humble conclusion that Washington Mutual is LYING. I think they send out scads of these "pre-approved" offers just to see who will bite. This actually violates Texas law [see link below] and there are dozens of pending complaints against WaMu for this deceptive practice.

http://www.oag.state.tx.us/alerts/alerts_view_alpha.php?id=78&type=2

If there had been no harm, I wouldn't complain. I just would never do business with WaMu again (and I won't!). But every time a creditor checks your credit report, a note is made. If the number of inquiries don't match the number of new accounts proportionately, that is a negative.

Washington Mutual did damage to my credit. Take care that they don't do the same to you! I think it goes without saying that a business that conducts itself in such a way does not deserve ANY of your business.

I have been working in customer service for about 4 years now, and never had I ever been mistreated by a rep ever. They make bill collectors seem nice.

One day I was depositing a check that my sister gave to me, and they denied it saying that my account is under fraud investigation. Due to the fact that I was making to many deposits (Cash deposits)

so I called the customer service to see what was going on- they transferred me to Fraud Risk Operation. Let me tell you, she (Debra) was trying to make out to be a criminal. She told me that my checking account was going to be closed and my card was going to be deactivated, I was begging and pledging with her that I can assure her that this is not a fraud issues and she just kept interrupting me and speaking over me. I had asked her for her name over and over she just told me that she didn’t want to give me that information. After repeatedly of me asking her for her name I finally got it.

Finally, after I was asking for her advice and possible help to resolve this issue she told me that I should have not been a fraud criminal and I should be held accountable for my actions then she hung up in me.

So now I need to do further research to make sure that my voice is heard.