WAMU aka Washington Mutual Complaint - Poor Customer Service And Disrespect
LONG ISLAND, NEW YORK -- To make a long story short, I have a checking/savings account and credit card account with WAMU. On 7/31 I found I my credit card was frozen. I wonder why because I made my payment which was actually more then my statement ending balance sometime between the 15th and 18th of the month as this is when I pay all my bills. I thought my card was stolen or something like that. Turns out my electronic payment never went through. I asked them why they frozen an account with a perfect history, and I mean never late and only 1 or two months did not pay off the balance in full (and this was because of my wedding in March), without calling me, the card holder and only name on the account.
They told me it was policy to put a hold on a delinquent account. Now this made me mad b/c I am a 25 y/o who takes great pride in being financially independent, out of debt, no student loans, and just paid off my wedding from March. I keep a very accurate accounting book, but I forgot one rule, always write down the confirmation number when doing an online payment. Anyway, I made an express payment over the phone got them to wave the 14.95 fee and take off the $39 non-payment fee. Now today, 8/4 nothing had posted to my account. Not the payment, not the two credits, but what was there was a $10.03 finance charge. I called again this morning and was told that it takes up to 2 (TWO) billing cycles to credit an account. The finance charge was interest because I carried a balance.
I again explained that I made the electronic payment as I have done every month for about 2 years since opening my account and it did not go through. They put me on hold and the call disconnected. Okay I thought, these things happen to everyone who works in an office occasionally. Called back, explained the same story and was told that they needed to review my account. Again disconnected...or I should say hung up on!!! I may be mad as anything right now, but when I deal with customer service I am nice and to the point. You don’t mess with people who can easily hurt you, like waiters (or food handlers) or customer service people. I had to speak with the accounting supervisor on staff just to have the finance charge reversed, but again, it takes up to 2 billing cycles to credit my account.
I have never had an issue with them before, and I will never have another one as I will be closing my accounts with them once my $65 in fees are refunded. In addition to all this, I wrote an email to them regarding everything that happened on 7/31 and all I received was an email stating the last payment I made. Poor Poor Poor customer service (except for the supervisor who did correctly fix my problems without any phone disconnections.) Also, for those of you who care, WAMU outsources its call center to India at night. These were the people who I spoke with on 7/31 as I was paying for a dinner for my wife and friend at 10:30pm EST when this happened. These people were rude and demeaning, talking to me as though I was a dead beat who owes tens of thousands of dollars and has never paid my bill. If you talked to me 7 days ago I would have recommended WAMU to anyone. Now I will tell people to look else were. To any WAMU reps who read this, tell you company heads to take a long look in the mirror to see what WAMU has become. Sorry, guess this was not short after all.