Washington Mutual Complaint - WAMU and fraud activity
LOS ANGELES, CALIFORNIA -- After a long session on the phone today I did find out some interesting facts about my accounts with WAMU. I took my family to dinner Saturday night and then re-newed a subscription to a well known professional community service. The WAMU computer saw these activities as suspicious and suspended my account. I received a call from an automated service to verify the charges were made by me, which I did with reserve. I had to use another credit card to complete the transaction and did not want to have it repeated in the event that the WAMU service put the original transaction through. After nearly 2 hours on the phone, being told there was no answer for my question, and even told the fraud department was closed on Sunday, I found out the following from [snip]:
1) The WAMU computer will "review" account activity and suspend accounts, no explanation given why a dinner with my family would be considered fraud.
2) Upon suspending the account, the customer needs to call WAMU to have a review with a banker before the account can be used again.
3) I signed up and agreed to this action in the terms and conditions and I should have read this. In no way is there text which covers what is considered fraudulent use on my card.
If I am on-site dining with my family, or making a purchase on a secured site with an abundance of information included, what do I need to do, or how do I need to insure the use of my card will not trigger such suspensions. And why does it take multiple people and indifferent customer service people to simply say this is what it is, I can always change banks at my desire. Thank you WAMU for respecting customer loyalty and your customers concern about how it may be possible to exist well together.
With one foot out the door Sunday morning and the intent of using my card to make purchases, I now know I must carry other cards with me to insure I do not get stuck, my confidence in WAMU is damaged, my confidence in the customer service process at WAMU is destroyed.