Washington Mutual Informative - Refusal to shut account down.....DON'T GO HERE
PENNSYLVANIA -- I am so disgusted I don't know where to turn at this point. I had seriously contemplated posting this on here, but I really feel I am at a loss as to where to go next.
My husband opened an account with Washington Mutual last year. At the time, we decided that he open the account first and then I would be added later when I started my new job. Anyway, once it was time to add me, my husband had to write a letter stating it was ok to add me and in that letter I had to provide a copy of my photo drivers license and social security card (notarized) and send it to a main branch in NJ. We had done all of this and still they had not added me to his account even after several follow up phone calls with them saying it was the right procedure and someone who contradicted it. Rediculous! So I opened my own account and made the funds transferable back and forth between my husbands account and mine. For a while all was going well. Since my husband is an over the road tractor trailer driver, I would monitor both his account and mine online from home. Within the first week of his employment following school, I noticed some very unusual bank activity being done that was not his. Along with the 3 letters in the mail of someone trying to get a cell phone and the banking going awry, my husband and I felt strongly he became a victim of identity theft and his banking information was compromised.
What started it was an unauthorized payment posted to his account from a company we do not deal with. Since he hadn't received a paycheck from his new job yet, this transaction put the account in the negative. I called the bank immediately to inform them of the transaction and that it wasn't him. I told him he's sitting in a tractor trailer with a trainer and has no access to any banking. They informed me that because I was not on the account, they could not talk to me NOR document the discovery I had made. Following that, I called my husband and informed him of the news. A few days later when he came home, he called the bank. This was the first week in June that this occured and my husband called on June 8, 2007 to request that the account be shut down immediately or at the very least halt all transactions coming or going from the account. In the past 6 weeks, we have made additional phone calls and written statements demanding the account be shut down and they are REFUSING and are continuing to bill us for NSF and Overdraft charges of $32.00 per transaction. At the time we reported it, we were only in the negative by @ $50. To date, they have hit us with so many fees it has driven the account to nearly -$400. I can't get them to stop and they continue to refuse to shut it down. Is this legal? We have consulted a company attorney, but because my husband has not completed his 90 day new employee probation, his services are limited. We have no financial means to hire one ourselves. I am very fearful this will continue and we can do nothing. I don't know what to do. I have paper after paper of emails and responses from them claiming they are investigating it, but nothing happens and no one calls or gives any indication of an update. The account just continues to go further and further in debt. We even told them we referred it to an attorney and still they refused. No reason has been given as to why they refuse. This is robbery and they will come after me to pay this huge balance. I'm appalled and deeply upset by this. They will do nothing to protect their customers. One response I received states it takes 5 business days to conduct an inquiry to one of the transactions I questioned. When I got the response it had already been 2 wks since I inquired and to date, I have heard nothing. They can't even give my husband an update. No one calls, we can't get anywhere, they argue with us, very rude and will not help.
WHAT DO I DO??? I don't even know where this would fall under legal matters to look online. We have since stopped any money from being deposited into that bank and opened a new secure bank account that we share with no one. How do I fix this mess with WAMU? I will pay for what is truly ours, but I disagree that I should be penalized to pay any charges following June 8, 2007 when they were first informed it was compromised.