Well this week we've been going rounds with Washington Mutual. In case you don't know the whole annoying story here it is...
At the beginning of the month I shipped all my payments to bills off, like I usually do. I went online with Washington Mutual and requested that a check be sent to the bank we have our car loan through for 403.00. Then, I was done with the bills, I had about 500.00 left for the month and I was happy. Everything was as it was supposed to be, or so I thought.
A few days later I went to Washington Mutual to check to see if my transaction for the online bill pay went through. I noticed that they had upgraded their system and that while my online register was still available and working fine their bill pay was not showing any data from the payment I had made on the car. I assumed that because of the new system my request didn't go through and I immediately mailed a check out. I went on my first grocery trip that week and spent about 100.00 leaving 400 for the rest of the month. Between the 1st and the 13th several small checks were written, there was more than enough money to cover them all, I was fine.
On the 17th I went online to check my account, (
-41.79)! What the crap!?!? What happened?!!? I went back through the online register to see if I could quickly spot the trouble maker. And there is was, the payment for 403.00 for the car loan from the online banking service. That was enough to tip us over.
I immediately called Washington Mutual Customer Service and explained the situation. They shuffled my problem to an investigator. I felt slightly reassured, it was a technical glitch on their end that caused me to not have the information I needed.
Meanwhile all those small checks and a few bills that we originally had covered started to clear. With a 29.00 overdraft fee for each one the amount quickly turned into about 300.00 worth of fees. I called them back at the beginning of this week and the CSR explained to me that the investigation would be done probably on Tuesday and that if they decided in my favor they would automatically deposit the "refund" for the overdraft charges. So I checked frequently on Tuesday with no change in the account status. I checked first thing on Wednesday morning. A new overdraft charge of 29.00 and a NSF fee of 29.00. So now, not only is every check clearing collecting Washington Mutual money, but also every day that my account holds a negative balance they are charging me 30 bucks! For a small glitch that happened on their system at the beginning of the month!
I immediately called customer service again, distraught at this revelation that Washington Mutual was raping me and my family. This Service Rep seemed to know a bit more, and she was more confident with the phone call than the other phone monkeys. After I explained that I need them to STOP charging me! She explained to me that there was nothing I could do to get them to waive the fees. I again stated that this all happened because of their transition to the new system. She agreed that probably was the case. Then goes to BLAME me, THE CUSTOMER, for not calling when I saw that the transaction didn't go through and verifying that it was accurate. (admittedly I didn't even think of that) It had always shown up immediately before, how was I supposed to know that it was malfunctioning in a way that would send the check but not register it in the system instantly.
Anyway we had to STOP Washington Mutual from robbing us blind, and we have fantastic friends that stood by us and helped us out of a sticky situation. A LARGE loan was made to get us out from underneath Washington Mutual's thumb. As soon as we can, we will be transferring our business to another bank. Preferably a smaller one (it seems that WaMu didn't suck SO much before it became big enough to envelope Providian). I recommend you do so too!
We are blessed to have such wonderfully friends as the Felix's, The Tenney's (even the Tenney's extended family), The Crocketts, and My Sister In Law Kathy. They all stepped up when we really needed help. We really appreciate the love and support they showed us these last few weeks.