Wamu offered me an option to select bi-monthly payments for automatic withdraw payments on a 4-unit apartment building I just bought and I made the payment for the following month and figured auto payment was set up, but they don't allow bi-monthly payments on rental property even though it was a selection on the paper work they gave me. So, I didn't pay the month after I sent in the paper work, I figured a month and three weeks was more than enough time for auto pay to be set up, but it wasn't. They put my property to a forecloser agency right away. I paid the month that the auto payment didn't take affect and filled out the auto payment paper work again. I filled out the paperwork like the first time, because they said they never received the paper work on the first setup. The same thing happened again, that is when they told me that bi-monthly payments were not accepted. They gave me two lates to the credit agencies and ruined my credit. I thought I was the customer to be catered to?? Wamu is the worse company I have ever dealt with, there should be a class action law suit against them for bad business practices. Wamu puts you on hold for 10 to 45 minutes, dropped calls all the time when they transfer you to another department that knows nothing and not working with the customer to lower interest rates, they are more interested in foreclosures then helping anyone. Wamu is the worse company by far I have ever worked with. Please stay away from Washington Mutual at all cost.

I am going through a divorce and part of the temporary settlement was for my husband to give me 3000 to assist me in moving to a new home. I deposited 1500 in cash and a 30 check in the ATM because the branch was closed.

I was moving in the next morning, so I wrote two checks to the apartment complex for my security deposit and first month's rent. I also wrote a check to my cable company for installation. Over the past week and a half, I've had to write a few more checks for household goods, a doctor's visit and groceries.

I was informed that My two checks to my apartment complex were returned as NSF because Washington Mutual put all of my funds on hold. My direct Deposit went in last friday, and all but 100 of that was put on hold as well. I had two small checks that would be covered by the

Updated On: Monday, May 12, 2008

One of the ridiculous messages I got:

NSF Transaction Amount Action Fee Date
Check 0009 283.56 Returned 0.00 50808
Check 0010 30.64 Returned 0.00 50808

As of the time this notice was generated (which may be later than the time the transactions were presented), the available balance in your account was 533.33.

Even better:

Thanks for contacting WaMu. I'd be happy to assist you and apologize for
the delay in responding to your request.

I apologize for the inconvenience. Our records indicate there were four
checks returned. You did not receive any fee for each of these checks.
There was a check returned on May 6, 2008; one on May 7, 2008; and two
on May 8, 2008.

As you requested, the records for your account have been reviewed.
Unfortunately, the following items were returned unpaid:

- Check 6 in the amount of 750
- Check 7 in the amount of 931
- Check 9 in the amount of 283.56
- Check 10 in the amount of 30.64

The ledger balance in your account on May 6, 2008, was 1, 417.21.
However, part of your deposit in the amount of 1, 530 that posted on May
5, 2008 is due to expire as the date of May 12, 2008. The funds will be
available on May 13, 2008.


The original cash deposit was made on MAY 3rd. Another deposit was made on MAY 6th. A payroll direct deposit was made on MAY 9th. There were more than enough funds to cover all of these transactions.

I was informed that WaMu posts all debits prior to posting any credits. So if my payroll deposit goes in at midnight, any and all debits will be posted prior to the direct deposit. I have seen my direct deposit not get posted until 4PM.

Avoid this company at all costs.

Used WAMU for 3 years, no problems. Had several debits show up from credit report companies. Complained to WAMU who declined to remove the charges until after I called several times. When I called 800 number to inquire why these charges kept showing up, found out the 800 number was in the Philippines? WHY THE PHILIPPINES?

Incident = On February 28, I requested two different stop payments from my WaMu checking account. These were stops on two different loan payments to two different companies(not WaMu), after I had refinanced the loans and changed the payment dates. Not only did WaMu NOT stop the payments, they still charged me the fees for the stop payments that they never did!

This caused a $1300 shortage in my checking account, which in turn caused 6 different other checks/drafts to bounce, including my March mortgage payment! To top it off, they have hit ME with 6 overdraft fees totaling $210.00 Add it all up and they have shafted me for $1574.41, leaving me more than $900.00 overdrawn, and they had the nerve enough to leave me a voice mail saying they needed to speak with me about my NSF activity!

I called their customer service 1-800 number and was led around in circles by customer service agent A.J. Zapata about how their computer system could not let them refund the money. I then called their corporate headquarters and was told by executive rep Eddie Ramirez that not only would they not refund my money, but that he was going to report me to WaMu's corporate security if I ever called again to harass HIM!

After over three years of sterling payment history wtih Washington Mutual on two different Visa cards issued by them, I opened one of the two bills this month to find they had jacked my APR to 24.99 percent, a full 8 percent!! I was advised by someone at customer service who spoke English as a second language that I was "sent a notice in November 2007 that explained if you do not close your account, you agree to an increase (repricing) of your interest rate up to 24.99 percent." Of course they hid that in the fine print of a paper bill that I have no use for, as I do all of my payments online, not through the mail. I tried to get them to reverse the rate hike back to the original interest rate given my past loyalty, sterling payment history, etc., but they could only "apologize for the inconvenience." I asked them to close my account and now I'lll have to take forever to pay off the outstanding balance thanks to the jacked up interest rate. Another very unhappy Washington Mutual customer here...