• Report: #421807

Complaint Review: Providian, Wamu, Chase

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  • Submitted: Sun, February 08, 2009
  • Updated: Thu, February 12, 2009

  • Reported By:Glen Allen Virginia
Providian, Wamu, Chase
1301 Second Avenue Seattle, Washington U.S.A.
  • Phone: 800-788-7000
  • Web:
  • Category: Banks

Providian, Wamu, Chase Harassment and fraud from Wamu- soon to be Chase Seattle Washington

*Consumer Comment: FDCP

*Author of original report: critical typo in my last update

*Author of original report: update/additional info

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The people my tax dollars "bailed out" openly and intentionally went on a campaign of obvious harassment by repeatedly calling my home /office number to inform me I was seven days late on a payment. No matter what I said they continued to call, demanding a payment by phone. I sent two desist letters, and informed them I would make a payment online as usual by the next due date which was Feb 12th. 2009, as was on my current statement.

They finally accepted those terms, which were the same as what I offered them thirty calls prior which they had made in a period of three days. My account would have been roughly three weeks behind by that date if they had honestly and legitimately accepted the terms, but the representative lied about accepting the terms.

With my account being less than thirty days late now, for the sole purpose of revenge, in that I asserted my rights to NOT be pointlessly harassed by phone in a desist letter(s), which had become illegal at the level they perpetrated, Wamu (soon to be Chase) closed online access to my account and "sold" my account to a collection agency called Phillips-Cohen. I don't know any details about the account at this time -including terms, payment, amount I owe, interest, added fees...nothing.

Wamu (soon to be Chase Bank), has acted carelessly and recklessly in it's efforts to collect a debt, which was fueled by the greed of their collection department, who were likely motivated to endlessly harass me by phone, for which they would get a share of whatever they could collect as reward.

However, calling me thirty plus times to collect on an account when it became seven days late in no way facilitated my ability or desire to make any payment over the phone. Under no circumstances will I give out my checking account information to an unsolicited caller, no matter what the reason.

I no longer know the terms of my loan, but in the face of a temporary finically challenging time, such actions Wamu has taken do in fact cause one to consider chapter seven bankruptcy, which is undesirable, but an available option to me. They could have worked with me without resorting to harassment, threats and revenge tactics, but chose not to. Since their receipt of bail-out funds, these companies most of all should well understand temporary financial hardship.

They not only should understand it, I personally can witness and attest they are creating the hardships intentionally, by being reckless and careless in how they do business with their customers. One would think tax payer funded bail out funds would have humbled them for their history of poor business practices. It seems to have only increased their abusive attitudes toward consumers who bailed them out, which has now proven to be a grossly irresponsible way to restore economic troubles in America and the world.

Ronald
Glen Allen, Virginia
U.S.A.

Click here to read other Rip Off Reports on Washington Mutual

Click here to read other Rip Off Reports on Chase Bank

Click here to read other Rip Off Reports on Providian Financial

Click here to read other Rip Off Reports on PROVIDIAN NATIONAL BANK

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

This report was posted on Ripoff Report on 02/08/2009 11:02 PM and is a permanent record located here: http://www.ripoffreport.com/r/Providian-Wamu-Chase/Seattle-Washington-98101/Providian-Wamu-Chase-Harassment-and-fraud-from-Wamu-soon-to-be-Chase-Seattle-Washington-421807. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
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Updates & Rebuttals

#1 Consumer Comment

FDCP

AUTHOR: Ken - (U.S.A.)

You might want to check your facts. I believe that FDCP applies to collection agencies. The bank holds your debt directly, and is not subject to this particular legislation.
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#2 Author of original report

critical typo in my last update

AUTHOR: Ronald - (U.S.A.)

I put WaMu/Chase had sent me a "trouble free" due date of 2-12-2008, which was a typo. The correct date in the first line of the update is 2-12-2009. I cannot edit typos on this board. The point here is absolutely certain though and I have documented irrefutable proof, WaMu/Chase violated several sections of the fair debt collection practices act of 2005.
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#3 Author of original report

update/additional info

AUTHOR: Ronald - (U.S.A.)

To add to this report, I have a letter from WaMu saying "it's easy to over look a payment" and says if I pay by 2-12-2008 that I will avoid any collection calls any negative credit reporting, and they would continue to report the account in good standing as it has been for five years.

But they did the harassing calls anyway to the max, lied to me on the phone, and lied in writing. It is not yet 2-12-09 yet the account is a derogatory item on my credit report, turned over to collection. I've contacted an attorney, but no replies back yet. This bank broke the law plain as day, and it just doesn't seem matter.

Enough is enough. I will beg my constituents to NOT give these thieves any more bail out funds, and please someone please sue these people into oblivion. Chase in particular is burning as many struggling people as they can, so they can go to our government and hold out the beggar's hat and get rewarded for their self created misfortune. A multi-billion dollar heist from every tax paying American and nobody cares?
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