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Report: #362036

Complaint Review: WASHINGTON MUTUAL - SANTA MARIA California

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  • Reported By: santa maria California
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  • WASHINGTON MUTUAL WWW.WAMU.COM SANTA MARIA, California U.S.A.

WASHINGTON MUTUAL Think you WaMu bank account is really closed? THINK AGAIN SANTA MARIA California

*Consumer Comment: I agree 100%......

*Consumer Comment: The same thing happened to me!!

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I had a WaMu account for over a year, until i started getting random charges on my account for no reason. I foled claims/disputes and i would get credited back. Then after "investigating" the claim they found it to be true and they would reverse the credits. I got pretty fed up with WaMu so i went in and closed my account at the WaMu branch on Betteravia/Broadway in Santa Maria. Turned in my Debit card and all.

I withdrew all my money the same day. Come to find out MONTHS later, they NEVER closed my ACCOUNT!!! Now i supposedly OWE them $400 bucks!!!!! (i got a collection call) WaMu is a MONEY HUNGRY BANK! I know im not the only one something like this has happened to my boyfriend had a similar situation.

Im now a proud member of (((competitor's name redacted))). They are so much better! WaMu Has horrible customer service and they are just a very shady bank. They run your credit for credit card offers without your consent, even to this day im still getting denial letters from them running my credit for their credit card offers!

F$%K WaMu!

Jennifer
santa maria, California
U.S.A.

Click here to read other Rip Off Reports on Washington Mutual

sorry, allowing you to give a competitors name would instigate others to just file against their competition, to only come back later to suggest their company, ..plus, if you post a competitors name more than likely they will show up on search engines as a Rip-off! - - your comments on this policy are welcome. CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report. In this case we removed an alleged competitor's name

This report was posted on Ripoff Report on 08/12/2008 10:56 AM and is a permanent record located here: https://www.ripoffreport.com/reports/washington-mutual/santa-maria-california/washington-mutual-think-you-wamu-bank-account-is-really-closed-think-again-santa-maria-ca-362036. 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. READ: Foreign websites steal our content

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#2 Consumer Comment

I agree 100%......

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

POSTED: Saturday, September 13, 2008

Read my comment posted :

I want to start by saying I have been using a debit card for 19 years and am ware of how to use a debit card(bank of america). I have never incurred an overdraft fee with bank of america in those 19 years.
I recently opened a Washington Mutual Account in order to take advantage of a $75 promo AMEX certificate. I used my account for debit purchases only, checking my account at the beginning of each day and after each purchase as to make sure I did not spend more than I had. I did not use my "checkbook"register as I did not write checks.
After each purchase my account seemed to have been reduced by the amount of the purchase. My last purchase I made brought my account to just a few cents, which is where I wanted it since I wasn't really goint to use the account anymore.
Well, three days later, I get a notice that my account is overdrawn by $230. I contacted WAMU(Washington Mutual) and asked what happened? How is it that when I used my card last at Subway for $20.30, I still had $20.67 left in my account and haven't used my card since.
WAMU advised me that since that purchase several other creditors submitted an authorization code for payment and since WAMU gave me (unwilling) a $200 overdraft credit they paid them.

I advised WAMU that they would have been responsible to pay them anyway since they were the ones who gave the authorization code. I asked them why they gave an authorization code or why they allowed these purchases to go through even though there was no money in the account to pay the merchant?

They once again said it was because of the $200 credit limit they automatically gave me. WAMU tells me that the creditor has 3 days to submit an authorization code or it drops off and that while WAMU is waiting the 3 days they do not reduce my balance? Who would this benefit? This does not benefit the consumer. Why would WAMU let me spend more money than I have, or better yet, after a purchase is made with a debit visa/mc, the bank should automatically reduce the amount in your checking account. They should have the responsiblity to do this. Bank of America works this way, this is why I have never had a problem in 19 years. WAMU is trying to tell me that this is the norm. They refuse to reverse the charges and tell me if I don't pay I will go to collections. Of the five charges that came through three were from starbucks for $3, costing me $38 for each cup of coffee. $38x3=$104!

Now do you see why WAMU had no problem allowing the $3 charge to happen, even though I apparently had no funds. I say apparently, because I was calling the 800# each time to check my balance. This is what they call a "convienience charge". What ever happened to "DECLINED". I had cash in my pocket and lot's of cash in my Bank of America account. I jsut wanted to clean out my WAMU account and bring it as close to zero as possible.

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#1 Consumer Comment

The same thing happened to me!!

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

POSTED: Sunday, August 24, 2008

I closed my account at WaMu after some fraudulent charges on their part. Last month, I hear from a credit collection agency saying I owe them $600 for expenditures that supposedly occurred over a year after I closed the account!! They claim they only closed the account for nonpayment of the $600. And to top it all off, they can't produce a check, receipt, transaction number, or any info about what this expenditure is! I'm considering taking legal action.

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