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Washington Mutual Credit Cards

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Washington Mutal Won't Even Honor Its Own Emails
Posted by on
I have been discussing my APR with WaMu and keep getting different stories depending on who responds to my email. Bottom line WaMu offered to lower my APR to 10.99. My statement arrived and the APR was 19.97. I emailed them and they said..sorry for the mistake, we will lower it to 13.99 because the last customer rep made a mistake when they lowered the rate to 10.99. I will believe them only when I see the lower APR on my statement.

My goal is to pay them off and never do business with them again. Read below the original emails.

Date: 04/25/2008
Subject: APR
Dear Marc,
Thank you for your recent e mail regarding your account.
Our records indicate that your purchase APR has been 19.74% variable since you December 2006 statement date. We have lower your purchase APR to 13.99% variable.
It takes 1 2 billing cycle for this to appear on your monthly billing statement. You will receive a letter within 7 10 business days regarding your lowered APR. We do apologize for any misinformation you were given by a previous representative.
If you have further questions or would like additional information, please e mail us through our secure Contact Center or you may also call our Customer Service Department toll free at 1 800 356 0011. Representatives are available to assist you 24 hours a day, 7 days a week.
Thank you. We look forward to more opportunities to meet your financial needs.
Sincerely,
Customer Service Representative
P.S. We hope you enjoy the convenience of online account access. Keep in mind, at our website you can check your balance, pay your bill, and more 24 hours a day!
Original Message Excluded:



Date: 04/23/2008
Subject: APR

Hi,
I just got my statement for April and I see my APR is still 19.47. I understand my rate is variable but I have a hard time believing my rate would be almost 9 points above the 10.99 that you quoted last month. Since prime was only 5.25 last month I do not understand how you came up with 19.47.
Please explain this number unless the 19.47 was just an oversight and then please adjust my statement.
Thanks
Marci

Date: 04/02/2008
Subject: APR


Dear
Marci,
Thank you for your recent e mail regarding your account.
Since you are a valued customer, we have conducted an immediate review of your account and lowered your APR on Purchases to 10.99% Variable. Keep in mind that your rate is a variable rate that is determined monthly based on the Prime Rate. The APR referenced is based on the Prime Rate in effect for the billing cycle beginning March 2008. We will send you a letter with complete details.
Keep in mind that variable APRs may change due to changes in the Prime Rate or as otherwise provided in your Account Agreement. In addition, your Account Agreement may include a provision that would increase your rates, including any introductory or promotional rates, in the event of certain circumstances (for example, if your payments are late). Please refer to your monthly billing statement each month to check for any changes to your rates due to these events.
If the Annual Percentage rate is still unsatisfactory, y
ou may request to close your account by phone, e mail, or if you prefer, you may write to us at: Card Services, PO Box 660509, Dallas, TX 75266 0509. Please include the account number(s) for the account(s) you wish to close.
If you have further questions or would like additional information, please e mail us through our secure Contact Center or you may also call our Customer Service Department toll free at 1 800 356 0011. Representatives are available to assist you 24 hours a day, 7 days a week.
Thank you. We look forward to more opportunities to meet your financial needs.
Sincerely,
Customer Service Representative
P.S. We hope you enjoy the convenience of online account access. Keep in mind, at our website you can check your balance, pay your bill, and more 24 hours a day!
Original Message Excluded:
     
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madconsumer on 2008-04-26:
as their first email stated, it takes 1 or 2 staments to make the change. if they replied in April, it would be may or June before it would show. the statement in April, is for marches activity.

changing the credit card apr, is not secluded to just wamu, are all doing it.
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Fraudulent Acts / Poor Customer Service
Posted by on
DALLAS, TEXAS -- First of all I like to say that I was a member of Washington Mutual Credit Card Services for approx. one year until I happened to run into a problem with my account these are the most rude, tackless, uneducated, no interpersonal skills, evasive, desrespectful, idiots in the business world today that I have ever come across they should be barred from running a company as bad as there people skills are, first of all when you call into the customer service rep and he/she tries to make you think that you have lost your mind they don't know how to speak to the customers forgetting that we are their job security, but anyway after my first run in with my accountI found out that they are overcharging and have a lot od hidden fees; make sure you all read the very fine print in your credit card terms agreement I decided to cancel my credit card and let them know that I didn't want to do business with them or any other company that they are affiliated with. I was aware that once I closed my account that interest would still accumulate until payment was rendered in full. On 2/27/08 I mailed my final payment which was due 3/3/08 blessed that I was finally through with this wicked company full of bureaucrats.

On 3/10/08 I received another bill from them stating that my bill was past due I was shocked because I knew that I mailed my payment the same way I did in the past so I called them up what do you know someone answers the phone I couldn't understand and pretty much with no pulse tried to get more money out of me telling me that I can make a payment over the phone "oh yeah" it will be another fee of $9.00 and some odd change so I started investigating I called my financial institution to see if the check had been cashed but it hadn't so I filed a compliant with the USPS to see if it somehow got missed placed or when & if it was mailed still hadn't heard anything so I call them back to see if they received it or not some stupid idiot name Michelle answered the phone with her rude ignorant self like she's having a bad day still can't find a decent person who works for Wamu yet.

So I'm now convinvced that they have received my payment, but they destroyed the check because it was a final payment and the account is already closed so they now want to keep you you paying interest and late charges on these credit card account just another way for them to keep making money, I find it strange that how have all my other payments reached them (using the same addy on the bill) but now that I'm paying my account off this payment so happened to mysteriously not reach you and I mailed it in the envelope with the bill that they provide I know this is illegal and if anyone out there is thinking of joining any parts of Wamu don't believe the hype that this company is selling find a company that stands for something and not full of mess unless you like rude, disrespectful,incompetent behavior from the top to the bottom then by all means link up with this company you'll be sorry later once you run into a problem, but believe me speaking from experience I wouldn't be surprise if this company goes out of business on customer service alone. In conclusion be wise in the companies you select to do business with make sure you investigate before you make any commitments I wish I had, thank God for this experience I'm much more wiser in my decsion making now. I hoped this blog helps someone, a lot of companies are into scams like this another so be careful if you run into a problem leave your account open until you decide to pay it off that way they can't pull a fast one. And if any represenative from Wamu reads these comment your lights should come on remember God don't like ugly and when you try to get over on people you only curse your own money I'm not looking for your company to be around in the near future so tell your spineless customer services reps/emplyees that they may want to get their resumes together. A very dissatisfied customer
     
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tnchuck100 on 2008-03-15:
I understand your frustration. Most banks have poor customer service today. While your suspicion that they received your check and "shredded" it is possible, but unlikely, there is no way to prove it.

Call your bank, place a stop payment on the check. Explain that it was lost in the mail. Many banks will waive the fee under these conditions. Issue another, sending it certified mail/return receipt requested.

Even after this there will probably still be one more statement with a small amount of interest. When you get a zero balance statement send them a written account cancellation notice certified mail/return receipt request.

Today you have got to cover your butt. Big business is ready to nail you at every turn.

madconsumer on 2008-03-15:
I just could not get past the lack of periods. so what ever the complaint is, it makes it seems so invalid.
tnchuck100 on 2008-03-15:
mad, you should not criticize someone's lack of periods until you master the proper use of capitalization.
shells_dell on 2008-03-16:
You should have paid it off by going online through their website. I pay all my credit card payments either through a companys website or through my internet banking service. No lost mail to worry about and you can print off your confirmation number.
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Sneaky APRs & hidden fees
Posted by on
I just transferred a credit card balance to a brand new WaMu card a couple of weeks ago. I was persuaded to do so by the ad mailed to me offering 2.9% interest, "not an introductory APR", etc.

Imagine my surprise to find the following on my first paper bill:

Purchase Current Cycle as 11.99% APR and my Cash Current Cycle as 19.99% APR.
The latter is bad enough but then they've -added- the two percentages together for a total 38.09% APR as my "Effective Annual Percentage Rate".

(If there is a way to find APRs on the website, I've yet to figure it out.)

I know enough to know this is NOT how it works. You can't legally charge -both- interest rates simultaneously on the same balance.

I just received my card & my first payment isn't even due, yet WaMu appears to be trying to charge me an APR as if I have been defaulting for a year.

Except that this is far more than that. My "Terms Sheet" from WaMu says the default rate would be "only" 30.99% APR.

-------

In addition, the minimum payment they suggest is approximately $35 less than the finance charge given on the paper bill.

(Remember: it's virtually impossible to find the finance charge rate at the website when signed in to my account. Well, if it's listed, it's really well hidden.)

I get the impression from this that WaMu is trying to make customers go over their max, by paying just the minimum and not paying attention to the details of their bill. A bit eager for the penalty money due if a customer maxes out, aren't they?

In my opinion, WaMy appears to be manipulating customers so they can cash in on their inattention. Is this the way they always conduct business? If so, I was better off before I transferred my balance.

Come to think of it, I was lured into transferring a balance from a previous card by a mail offer with the promise of 2.9% Variable APR. I went to the site and followed the directions. Where is my 2.9% ?

n0m0ney

p.s. I just sent an email to the company today with a paraphrase of this comment. I'll update when and if I hear anything.

In the meantime, I will be paying a minimum of at least the "minimum due" PLUS the finance charge they are illegally inflicting on me.

I -so- regret transferring that balance!
     
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BobJohn on 2008-09-09:
"In the meantime, I will be paying a minimum of at least the "minimum due" PLUS the finance charge they are illegally inflicting on me. " Instead of paying the minimum you should be paying the very maximum you can to pay off your balance and get rid of the card.
Ponie on 2008-09-09:
Some people should not be allowed to have credit cards.
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Charge Dispute
Posted by on
FAYETTEVILLE, NORTH CAROLINA -- I am stationed in Iraq. Before I left from Ft Bragg I purchased a hotel room at the Howard Johnson hotel in Fayetteville for one night. I signed the credit receipt for the $63.65 and was shipped off the next day.

I went online while in Iraq and found that the hotel charged me for 2 nights instead of one. I called WAMU card services and was told that I needed to fill out the complaint form (which took 2 weeks to reach me here in Iraq) and then return it to them.

When I did so, I called a month later and was told that the they never got the letter. The customer service person (located in the Philippians) that I talked with could not help me and ended up transferring me to another customer service individual who also didn't seem to understand that I was in Iraq and that I didn't have the capability to FAX anything. When I told him 3 times that I couldn't fax anything, he hung up on me.

I called back and was finally able to talk with a manager he told me that he was unable to help me because the system (ironically) had just started doing an upgrade and he couldn't access my account and that I needed to call back in 2 hours. I called back 5 min later and a different customer agent (again from the Philippians) was able to access my account just fine, but still unable to help me.

I guess I will have to wait till I get home to take care of this and pay all the interest charges in the mean time. It seems so easy for a merchant to take your money but so very hard (especially from Iraq) to get it credited back from this company. :-(

I am also tried of being treated like a number. I feel like cattle being hustled through the process. When I get this straighted out I think that I will be closing this account and recommending that all my friends and family do the same.
     
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Anonymous on 2008-08-31:
First of all, thanks for your service to the country. 2nd, did you take this matter up with HoJo's? The merchant is always the best place to start, because it's much easier to have them remove a charge than to dispute it with the card company. The card co. has to investigate, contact the merchant, etc, etc. As for being hustled through, you're right. CSR's are graded on how quickly they handle calls. They're expected to get through callers ASAP.
Anonymous on 2008-08-31:
I second those thanks. Did you try just calling the hotel?
IraqVet on 2009-01-28:
Your welcome to you both. I appreciate your input. I was able to get this squared away with the hotel and the card company at the same time but it took me 3 months. Even though it was fixed, I still wouldn't bank or use a credit card from a company that outsources their CSR jobs. But unfortunately I don't think we have a choice :-(.

Thanks again
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Random Interest Rate Hikes & Change Of Terms
Posted by on
I became a Providian Platinum Visa cardholder in 2004 and in mid-2007, I believe, WAMU purchased Providian. In January of 2008 I received an interest rate hike from about 15% to about 28% as part of a change in terms of service. I've requested a copy of those terms and will follow-up if there is an opt-out that provides interest rate relief for me. But I've been otherwise fighting with them for about a month for a detailed explanation for a hike and reduction to a reasonable rate to no avail. Apparently I went over limit (by less than $100) in January, but I've always paid much more than the minimum and otherwise have good account performance. WaMu is not open to negotiation to retain a cardholder. They're clearly trying to thin their consumer credit card portfolio and rake us through the coals in the process.

If you're considering a credit card with them, DON'T. If you have one already, pay-it-off and close-it as soon as possible. They are not the same bank...not the same lending partner we chose back in 2004. They're just stock-price driven thieves now...cogs in a growing WaMu machine. My problem is similar to a problem arising with Bank of America Credit Card customers.

Check-out this news post at Yahoo: http://news.yahoo.com/s/bw/20080207/bs_bw/feb2008db2008026105146
     
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madconsumer on 2008-02-25:
read the fine print in the agreement. it states they can and will change the interest rates at will for any and no reason.
Suusan B. on 2008-02-25:
"Apparently I went over my limit (by less than $100) in January . . ." It appears you answered your own question as to why your interest rate was increased. Wamu is no different than any other credit card company - - you agree to the terms and conditions when you use the card and they are just waiting for you to be late with a payment or go over your limit so they can charge fees and increase your interest rate.
jktshff1 on 2008-02-25:
Most credit cards allow you to disagree with the rate increase and cancel the card and you will keep the old rates, but you must pay on time, not use the card, or you go to the new rate.
ALinOhio on 2008-03-19:
I have had this same card (Providian Platinum Visa) forthe same amount of time and just yesterday 3/18/08 I received the new terms saying my rate is going from 12.99 to 24%. this is crazy!! I have never been late and have never been over my limit. I just made a huge payment and pay on this account every week for the last couple months and I feel like that's why they are doing this to me. good thing I've gotten the balance way down because it's getting trasnfered and I will never have another card with them again! It's nice to see I'm not the only one this has happened to! I have opted out with my Bank of America card a few years ago to keep my rate at 5.9% and I would suggest anyone with this card to WRITE them a letter so your rate doesn't change until you can transfer it or get it paid off.
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45 Minutes To File A Fraud
Posted by on
I have found fraudulent charges on my credit card and have now spend upwards of an hour to speak to the correct person in the fraud department. Then I find out they are not located in the US. When I ask to speak to someone here in the US I am told I cannot guarantee it. It is amazing to me that we are financially hurting, however, banks continue to hire employees in other countries. This is one main reason there are no jobs in the US.

Unbelievable... OH and back to my fraudulent charges who knows if I will receive the credit back.
     
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Harassment Washington Mutual
Posted by on
My husband and I are getting between 6 and 16 calls a day from Washington mutual. We pay a portion of our bill every month on time and they continue to call us and ask when we are going to send in a payment. We have asked to speak to a supervisor hundreds of times and it is just like talking to a wall because they do not understand English. They are a broken record " we can set up a payment".

They are on an automatic redial system - and the fact the phone rings from 8:00 A.M. until 10:00 P.M. is a more than annoying.
     
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tnchuck100 on 2009-01-09:
Try sending the entire payment due instead of only a portion. See if that helps. It might.
j hobson on 2009-01-17:
Paying customers come under pressure from the Pakistan autodialer as well. They are polite but insistent that you owe, even when you don't!

My Story

Once when visiting they said "upgrade from your secure card to a regular one". The lady at the WaMu branch closed the card and reassured me that the balance would be taken out of the principle I deposited, and gave me the remainder of what that bank owed me ( about $20 ). I had auto payment set up to the card was paid off every month no matter what anyway.

Then the phone calls started.

On the line several times a day, each caller identifies himself as "David". They claimed that that balance was not taken from the deposite, and that I still owe.

So I paid what they said I owed at a branch.

More calls.

"A payment made at a branch take up to a week to post, but you can pay us now"

More calls.


So my original deposite that was supposed to be returned to me might come by they end of the month they said,

So people at the branch said something different than the card company..

but its cool they won't report you to the credit agencies as being delinquent ( unless they cancel your auto-payments and you forget to check up on them for 30 days )

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Exorbitant Interest Rates
Posted by on
Do NOT get a Washington Mutual credit card! I can't stress this enough. Even if you pay on time, more than the requested minimum due, you will ALWAYS and inevitably be hit with exorbitant interest rates.

I pay on time, more than the minimum every month. Every dang month! My interest rate is....THIRTY ONE PERCENT! 31%! This seems impossible!

I am going to sell my soul to pay this credit card off and never again deal with WaMu.

Thank you

     
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Anonymous on 2007-09-18:
Stay away from Washington Mutual Bank - period.
Washington Mutual customer service is in INDIA, e-mails are from INDIA with wrong information, secure messages are from INDIA with wrong information, and the phone number, 800-788-7000, is answered in INDIA and you are given wrong information. This is one of the worst banks for customer service.
Anonymous on 2007-09-18:
If you want to complain about Washington Mutual Bank, send your written complaint via certified return receipt to: Office of Thrift Supervision, Department of the Treasury, Consumer Affairs Department, P. O. Box 7165, San Francisco, California, 94120-7165, Tel: 650-746-7000. In addition, send a written complaint to your State Attorney Generals Office, Attn: Consumer Affairs Department.
Anonymous on 2007-09-18:
cary1212: I voted your review as 'Very Helpful'.
Anonymous on 2007-09-18:
Oh' geez, not the I voted your review as 'Very Helpful' again...
Anonymous on 2007-09-18:
LOL...you cannot escape the "VH" Super..
Anonymous on 2007-09-18:
cary1212 thanks for warning the membership of WaMu's loan shark interest rates. I too voted your contribution 'Very Helpful'!
Anonymous on 2007-09-18:
There is currently NO regulation on what a CC company can charge so they do what ever they want. This is because we are taught that it is the safe way to do business on a day-to-day basis and is supposed to be part of getting people used to living without cash.

This is just another way the government and corporations are working together to gain total control of all of us. What is the answer?

Think, watch and fight them while we still have the tools to do so. I am not talking about violence, protest or meaningless special interest groups. I am talking about learning the constitution and the system then you can fight them with the same tools they are perverting and using against us.

It’s up to us…
DaniHansen on 2008-01-28:
I had a Providian card with an agreed upon interest rate of 16.99%. It was originally 22% but I was a single mom at the time recovering from a divorce, so ... fine. I was going to close my account once I paid it off, but because they lowerd my interest rate so significantly, I kept it. We had friends stay with us for a few months that were misplaced by a hurricane, and when they moved out, I spent money on said card to get my house back into shape. All well and nice. But big mistake, it turns out. We've always made our payments and even tried to pay extra every month to pay the thing off (I've remarried since I got the original card years ago). Our balance kept climbing down, we made a payoff plan, we were looking forward to getting things paid off eventually.

Well, then Washington Mutual bought out Providian. And the troubles began.

They had the nerve to raise my interest rate to over 24% within the first year stating that my overall credit score gave them the right to. I fought and fought and fought with them, and nothing. Fine. So we've been throwing even MORE extra money on it in an effort to pay it down quicker, not missing any payments, mostly paying early, every single month.

So 2 months ago they raised my interest to 32.99%. In case you didn't get that, THIRTY-TWO, POINT NINETY-NINE. I called them, and most conveniently, their "system was down." Uh huh. I called them again the next day, and demanded a viable explanation for the interest raising, asking them to pull up my payment history and pointing out the fact that we've been very faithful in paying back the money in an effort to pay the card off, and how are we going to get the thing paid off if they continue to slap us with an interest hike like that? The answer was that I am a "perceived risk." Now I understand banking lingo but that's a hollow cover for "We can do what we want, and we don't care about you as a customer." I will be writing up a formal complaint, and I hope to warn other consumers to stay far, far away from Washington Mutual, because, contrary to their nice commercials, their customer service is, in fact, horrendous. They punish people by charging them extra money for something they didn't even do, and cover it with some legalese catch phrase that means nothing. I told them I am a "perceived risk" anyway because I could get run over by a truck tomorrow and then they wouldn't get their money back anyhow, which holds true for everyone, so please give me a better explanation and concrete tools to fix this situation. She had nothing to offer me. I will now be writing letters to their complaint department and to the State Attorney's office, because this is nonsense, and has unfair business practice written all over it. We will never own a credit card again, unless it's with our local credit union, who I love. Stay away from banks, they're trouble.
ALinOhio on 2008-03-19:
I agree. Do not get a card from WAMU! I have the same providian platinum and have always paid on time and never gotten close to my limit. My rate as of May will go from 12.99% to 24%. I would suggest anyone to send them the letter in writing as it states in the terms and opt out to keep your rate where it is, but you CAN NOT use the card again or you default that. I did this with a Bank of America card a few years ago to keep my rate at 5.9% to pay a balance off.
mark_tidman on 2008-09-25:
WaMu did the same thing to me. In January 2008 they agreed to a 12.99% rate. They honored their agreement for one month and then raised it back to 31.99%. While disputing it with WaMu I continued paying the minimum amount hoping they would fix the account. They have not. Effective September 2008 I have stopped all payments to WaMu. They will get no more money from me until they abide by their agreement. I am filing with the Tennessee Attorney General's Office and Tennessee Consumer Affairs for protection. I am also sending letters to all three credit bureaus documenting WaMu's illegal actions on my credit bureaus. My current balance is $4K but should be $3K. WaMu can eat my $4,000.00!

Oh - WaMu calls my house seven times a day. I let the callers listen to the television until they hang up!
mark_tidman on 2008-09-25:
WaMu did the same thing to me. In January 2008 they agreed to a 12.99% rate. They honored their agreement for one month and then raised it back to 31.99%. While disputing it with WaMu I continued paying the minimum amount hoping they would fix the account. They have not. Effective September 2008 I have stopped all payments to WaMu. They will get no more money from me until they abide by their agreement. I am filing with the Tennessee Attorney General's Office and Tennessee Consumer Affairs for protection. I am also sending letters to all three credit bureaus documenting WaMu's illegal actions on my credit bureaus. My current balance is $4K but should be $3K. WaMu can eat my $4,000.00!

Oh - WaMu calls my house seven times a day. I let the callers listen to the television until they hang up!
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Poor Customer Service
Posted by on
MODESTO, CALIFORNIA -- Poor customer service. Confusing website and hard to obtained auto-payment from their online website. Instead of sending appropriate paperwork to set up the auto payment plan, they continue to clutter up my mail box with offers to set up more credit cards with them.

I'm very displeased with Washington Mutual and their lack of care for their credit card holders.

Stephanie
     
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tnchuck100 on 2008-03-11:
Auto-pay is generally a bad payment method. You lose control of how much and when. You will find many complaints here where people are charged unexpected amounts and at the wrong time. Save yourself some grief - pay your bills yourself.
grandma005 on 2008-03-12:
I agree. Don't let a Bank have control over your money. Write due dates of bills, post it where you can see it and pay it yourself. Don't give Banks a chance to earn more NFS fees.
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Credit card interest rate going through the roof
Posted by on
My credit interest rate since I obtained this card has gone from the usual 6.9% to get you to purchase the card to 31.99%. How can anyone pay off a debt when the interest rate is that high? I called customer service and asked for a reduction and they stated that it can only be done once a year during your annual review. How do we know when that is? I have had this card for 5 years and NEVER has it been reduced. The interest rate went up 4% in the last month and I have been paying more than the allowed each month with no late fees. No wonder people can't survive today. Can you please do something or let me know what I can do to resolve this issue?
     
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Hugh_Jorgen on 2007-06-23:
If your credit is good, go to www.bankrate.com and shop for a new card with a zero interest (or really low rate) for six months to a year - transfer your balance and try your best to pay it off during the low interest period. The credit card companies don't want you paying it off and with interest rates over 30% you never will.
Anonymous on 2007-08-02:
Washington Mutual customer service is in INDIA. So, they have to raise rates to pay for all these phone calls to a FOREIGN country. Besides, Washington Mutual has LOUSY, HORRIBLE, and PATHETIC customer relations.
DieselBoi on 2007-10-12:
My father had the same problem. The offered him a very low interest rate, he used the card for some home repairs, and then they jacked it up to over 30%. He even called and asked what the deal was, since he only had it a few months, paid on time, and has good credit. They replied that the purchases were erratic. They did say that they would decrease the interest back down to 6% while he paid it off, but if he uses it in the mean time, it will default back to the interest rate in the 30s.
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