[X]

3
Helpful
Votes

Washington Mutual Complaint - WAMU free checking

Review by Chief- Wiggams on 2008-01-23
CUPERTINO, CALIFORNIA -- I made a deposit of four thousand dollars in the ATM outside of my local branch. The line was long, I had to be somewhere and I was not okay with bringing around all that cash, so I went for the ATM. Seems understandable when you are an unsuspecting consumer with a large corporation. Anyways, I made the deposit and went on with my business. A few days went by and I noticed my money was still pending authorization to be released. I made the deposit on a Wednesday and it was now the weekend. I went into my branch on Monday morning and spoke to the operations manager. She told me that the fraud preventions department had a hold on my money. She gave me a number so I called i. After 20 minutes of hold time, I was able to speak to a representative. Our conversation went like this, also Keep in mind they say all calls are recorded for quality purposes.

WAMU-"are you calling about your four thousand dollars?"

ME-"Yes, why is it still pending verification?"

WAMU-"was it a cash deposit or a check?"

ME-"Cash."

WAMU-"Okay, I was able to verify your cash deposit of four thousand dollars and we're releasing it to you now."

ME-"So no everything is in order? Does it take effect imediatly?"

WAMU-"Yes, you're all set"


After all of that b/s I went back into the bank and informed the teller that I wished to close my account. She closed my account and gave me my money, so I took it to my other account with Bank of America. About a week later I received and letter stating that I owe WAMU 2,000 dollars. WTF!?!?

They stated that I had not deposited 4,000 dollars and that I keyed in an incorrect total for my deposit. This is not true!!!! I told the branch operations manager that this was a mistake and that I want this resolved. She went on to accuse me of fraud, telling me that I didn't have 4,000 dollars. I have my withdrawal slip from my other account with Bank of America that states my withdrawal of 4,000 on that same day just 27 minutes prior to depositing the money into my branch atm at WAMU where this all went wrong. I was completely shown no professional courtesy by WAMU employees. They made me feel like I have no rights, no credibility, and even like in their eyes I'm trying to fraud them. I was told by the operations manager that I was a fraud! My blood boils whenever I think of WAMU b/s!!! WAMU is full of dishonesty and schemes. I personally believe that there are others just like me, being targeted and exploited by WAMU. People who have done nothing wrong and were victims of bad business practice. This isn't even the whole story. The nightmare goes on, and on. I have enough proof to hold up my defense and it is my intention to begin a lawsuit against WAMU as I promised the branch manager! How can a bank of all places be involved in such sceemes. I know there is more to this story on WAMUs side. However this happened, it could not have been a mistake! Someone at WAMU is accountable for this! I need some guidance as to how I can approach this with enough ammunition to take a shoot at WAMU for their growing suspicions of fraud and bad business practice. They recently had a collection agency contact me about this issue, telling me that I owe them 2,000 dollars. I told them to, "blow me!". STOP WAMU FRAUD!!!!!


If someone wants to tell me about their WAMU nightmare I would love to hear about it. I just need advice and a better understanding as to how I should approach this issue.
Comments:18 Replies - Latest reply on 2008-01-27
Posted by tnchuck100 on 2008-01-24:
First, you are dealing with two of the worst banks out there. Second, why would you withdraw cash from BofA and deposit it in a WaMu ATM? A cash deposit in an ATM is hard to prove. Why didn't you simply write a check from BofA and deposit that? That would leave a proper paper trail. You are in a tough position. Good luck.
Posted by Hugh_Jorgen on 2008-01-24:
Chuck is right - I would never trust an ATM for a cash deposit - I would be afraid of just this type of situation coming up.
Posted by Anonymous on 2008-01-24:
Since they already gave you the full credit for your deposit and the 4 grand in cash then I would assume the burden of proof is on WAMU to prove that you didn't deposit $4,000. Very interesting review -- Thanks for sharing.

(Kids do as Hugh and chuck say and NEVER DEPOSIT CASH IN AN ATM)
Posted by Principissa on 2008-01-24:
If you didn't deposit $4000.00 than why did they give it to you when you closed the account. Stew is right when he says the burden of proof is on Washington Mutual.
Posted by Anonymous on 2008-01-24:
Sorry, but this is a little fishy. What exactly did you deposit? Even 40 brand new hundred dollar bills would be a problem in a single envelope for an ATM. Did you maybe split it into two deposits, which would probably work?
Posted by yoke on 2008-01-24:
I was thinking the same thing Ken. There is no way $4,000 was going to fit into one envelope. Something does not sound right.
Posted by Principissa on 2008-01-24:
Ken I didn't even think about that. I just went to my ATM this morning to take out money and it clearly says on the machine, no more than 10 paper items in one envelope for deposit. At least at my bank those 40 bills would have taken 4 envelopes to deposit, not one like this person claims. Good catch Ken.
Posted by CYH on 2008-01-24:
Very fishy indeed Ken. If you think you have a case, contact a lawyer instead of relying on unverified information from a website. The banks have ways of protecting themeselves and I'm sure you are not the first person this has ever happened to, so the tapes should reveal everything. In the meantime I wouldn't go near another ATM machine at any bank to do large transactions such as this if I were you.
Posted by Ponie on 2008-01-24:
What they all said, starting with Ken's catch.
Posted by chris513 on 2008-01-24:
perhaps the OP used a 4,000 dollar bill...i have a few of those here next to my 2 dollar bills...i never knew until recently that 2 dollar bills are bad luck...who woulda guessed?
Posted by Principissa on 2008-01-24:
LOL!
Posted by Ponie on 2008-01-24:
chris, he used two 2,000 bills. Took two of yours and added a few zeroes to it.
Posted by Principissa on 2008-01-24:
No wonder why he's having such bad luck getting this taken care of.
Posted by Chief- Wiggams on 2008-01-25:
trust me, 40 bills does fit in thee ATM! I wanna contact a lawyer, but I'm pretty unfamiliar with how this will be approached legally. Besides, as I said, I got my money back once it was confirmed and I closed my account. So contacting a lawyer would help how? Sue for slander or something. My losses are limited to WAMU trying to collect and my credit suffering. Is that enough for a law suit? Also 40 bills does fir in the ATM at WAMU De Anza Blvd. Cupertino , CA. Don't believe me go and try it for yourself. Perhaps it varies.
Posted by tnchuck100 on 2008-01-25:
Chief, you still did not tell us why you chose to transfer cash instead of using a check for this transaction.
Posted by Chief- Wiggams on 2008-01-25:
I was going to buy a used car from craigs list. My girlfriend advised me that after saving all that $ it would be a waste to blow it on an old rx- 7 that over heats. Besides I'm gonna buy a bike soon anyways. Why is that so important? Dude, if you don't wanna give some addvice to me thats cool, but don't try to discredit me so that others who are not so skepticle can help. If I am b/s'ing oh well, your advice would do no harm or good, but I assure you I'm not. WAMU is upto some shady bussiness these days and I'm never gonna shut up about this injustice. Something needs to be done about WAMU! F that place!
Posted by tnchuck100 on 2008-01-25:
You have ceased making any sense. No one asked WHAT you were going to do with the money. The question was WHY you chose to transfer cash instead of using a check for this transaction.

Who is "Dude" that is discrediting you?
Posted by nwyjmahindru on 2008-01-27:
I believe you 100%.. it happened the same thing to me with wamu. i made a deposit of 486.70 dollars through the ATM like i always do and few days later they took $200 out of my account as a "key error" so i called and after a long wait and asking questions about how, why, and when the representative solve the clue and told me that i had deposited $286.70 not 486.70 so i went to my branch and i spoke with the manager and he made some phone calls but then he told me they will investigate it and will give me a call,,, few days later i went to block buster to rent a move and guess who was working there?... wamu manager!! and he told me since he's off duty he can tell me about it now. so what he told me is "this happened before and i always tells the customers not to use the ATM for deposit, just of withdrawal only" and i said that means i'm not getting my money back, he said, NO..
so if u wanna do anything about it I'll be glad to support you cuz i hate wamu and i want my money back. btw i thought of calling channel 9 news (they helped me with a different situation before) or any news channel but i'm not sure if they would help with this matter.

Your Name:
(displayed with your comment)
Your E-mail:
(required)

Your Experience/Advice:
Check spelling


By clicking submit you agree that you have read and accept the Terms of Service & Privacy Policy.


Note: All comments are reviewed by a moderator before being published. Please be sure to read our guidelines before commenting.