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Washington Mutual / Providian Credit Cards / Misinformation / Ruined credit

United States Review updated:
1
In the 4 months I have had a Mastercard with WAMU/Providian I have been fed mis-information every time I called and was not able to pay my balance, because they kept insisting I had no balance.

They never sent statements and every call I made I was told my account was in good standing with no balance - no payment due.
I knew I had a balance as I had used the card. But I was fed lie after lie every time I called to get payment information.

The only ACCURATE information I received about my account was when a collection agency called me because my account was 3 months past due! My credit rating went from Excellent to Fair because they mis-managed my account.

Attempting to work with WAMU to resolve the problem and correct my ruined credit rating I have been lied to, lied about and called a liar. They refuse to accept responsibility for this and will not allow me to escalate the matter to higher management.
I'm still working on escalating and have found a new avenue.

The person I have talked to 3 times in the past 2 days , can't even keep her lies straight and her story changes all the time even during the same call.

They claim my statements were returned as undeliverable, and they were not able to contact me because they did not have a correct phone number, then later in the call she said they left numerous messages on my home phone and received no responses.

She constantly denies that I called at all and was being fed mis-information about my account. When I told her I did not appreciate being called a liar, she insisted she was not calling me liar. I had to explain that every time she denied that I called and denied that I was fed mis-information she was in fact calling me a liar. I had to keep reminding her that I was the victim.

As of my last call, she apologized for any mis-information I may have received and they will pull the account from the collection agency. She then claimed that they had a valid phone number from the beginning and I did not respond to messages left at my home number. This lie is based on the assumption that no one was home when they called during the business day. My husband is retired and would have answered the phone if they ever called which they did not.

They will not correct my damaged credit rating and still say I should have sent payments knowing my account was a mess and the payment would not have been correctly applied to my account.

She even had the gall to ask me to make a payment over the phone, giving them access to my checking account. I refused and a told her I would not give her access so they could screw up my checking account the same way the screwed up my credit card account.

These people all need extensive Customer Satisfaction training, and the first rule of customer support is the "THE CUSTOMER IS ALWAYS RIGHT". the second rule, if the customer is wrong, refer to the 1st rule!
La
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Ky
  24th of Feb, 2008
Agree Disagree 0 Votes
I TOO HAVE HAD NOTHING BUT TROUBLE WITH WASHINGTON MUTUAL BANK. I HAD A BUSINESS ACCOUNT THAT WAS IN MY NAME, NOT MY BUSINESS NAME. I HAD ONE EMPLOYEE MISUSE MY BUSINESS ACCOUNT IN 2005 WHEN I WAS ILL AND NEEDED TO TAKE TIME FROM WORK. WHEN I FOUND OUT THAT MY ACCOUNT WAS OVER DRAWN BY SEVERAL HUNDRED DOLLARS, IT WASN'T FROM WASHINGTON MUTUAL THEMSELVES. I FOUND OUT BY CHECK SYSTEMS WHEN WRITING A CHECK AT WALMART USING MINE AND MY HUSBANDS JOINT HOUSEHOLD ACCOUNT WITH OUR OTHER BANK. AS TO BE EXPECTED WITH THIS TYPE OF CRIME, MY EMPLOYEE WAS GONE. VANISHED JUST LIKE THAT. I SEARCHED BUT CAME UP WITH NO LEADS. MY EMPLOYEE WAS NO WHERE TO BE FOUND. I PAID THE DEBT BACK TO WASHINGTON MUTUAL AS SOON AS I FOUND OUT EXACTLY WHAT THE DAMAGES WERE. AT SAME TIME THOUGH WASHINGTON MUTUAL TOOK MONEY FROM ANOTHER ACCOUNT AT THE BANK IN MY HUSBANDS NAME. TRYING TO THEN GET MONEY CREDITED BACK INTO THAT ACCOUNT OF MY HUSBANDS WASN'T EASY. HOW THE EMPLOYEE GOT AWAY WITH MISUSING MY ACCOUNT WAS SIMPLE. I HAD A COUPLE MONTHS LEFT ON MY WAREHOUSE LEASE. MY EMPLOYEE HAD BEEN PAID AHEAD OF TIME FOR SEEING THAT SOME ITEMS SELL THAT WERE INSIDE THE WAREHOUSE. THE EMPLOYEE HAD A KEY TO IT AND WAS TO SELL THE LAST OF THE ITEMS IN INVENTORY.WHICH HE DID BUT DIDN'T TELL ME HE DID. I WAS OUT THAT MONEY TOO. WASHINGTON MUTUAL HAD BEEN SENDING MY BUSINESS ACCOUNT STATEMENTS TO THE WAREHOUSE. EVEN THOUGH I HAD WRITTEN A LETTER AND CALLED TO ASKED THEM TO SEND ALL STATEMENTS TO MY HOME ADDRESS. I KEPT TRYING TO EXPLAIN THIS BUSINESS ACCOUNT IN MY NAME LOOKING LIKE A PERSONAL ACCOUNT WAS IN DEED MY BUSINESS ACCOUNT... TRYING TO GET AN ANSWER AS TO THE ACTUAL AMOUNT OF THE DEBT WAS NOT EASY. AND THEN EVEN TO IT FINALLY BEING PAID IN FULL WAS AN EVEN HARDER TASK IT SEEMED. BUT THAT'S BECAUSE I HAD PAID THE DEBT BUT THE ACCOUNT THEN SHOWED IT HAVING DOUBLE THE FUNDS IN IT. AND TRYING TO SOLVE THE MYSTERY TO WHERE THAT MONEY CAME FROM WAS A JOKE FOR A FEW DAYS. THEY KEPT SAYING THAT THEY DON'T HAVE BUSINESS ACCOUNTS SET UP THE WAY MINE WAS SHOWING IT TO BE- A PERSONAL ACCOUNT. THEY SET IT UP THAT WAY NOT ME! SO IT ALWAYS TOOK A LOT OF BEING PASSED OFF TO ANOTHER DEPT FOR HELP WITH MY PROBLEM. FRUSTRATING TO SAY THE LEAST! TO MAKE A LONG STORY SHORTER. MY HUSBAND GOT THE MAJORITY OF THE FUNDS TAKEN FROM HIS ACCOUNT BACK. SEEING HOW UNPROFESSIONAL THEY ARE AT WASHINGTON MUTUAL HE THEN CLOSED HIS ACCOUNTS THERE. I OWE WASHINGTON MUTUAL NO MONEY. I PAID THEM BACK QUICKLY, IN FULL, ALL FEE'S AS WELL, & CLOSED THE ACCOUNT. MY PLAN WAS TO PAY BANK AND OWE NOTHING TO THEM SO TO KEEP MYSELF IN GOOD STANDING. AND THEN GO AFTER THE EMPLOYEE FOR RIPPING ME OFF. WHICH I DID BUT HAD NO LUCK. YET WASHINGTON MUTUAL STILL EVEN TODAY KEEPS ME IN CHECK SYSTEMS. I'VE BEEN ILL AND HAVEN'T BEEN UP TO FIGHTING WITH ANYONE LET ALONE A BANK FOR MISTAKES THEY'VE MADE, ON AN ACCOUNT THEY SET UP, THAT I PAID OFF AND CLOSED. AND ON THE RARE OCCASIONS THAT I'VE NEEDED TO, I HAVE USED MY HUSBANDS BANK ACCOUNTS AT ANOTHER BANK TO MAKE DEPOSITS AND MAKE WITHDRAWALS USING THE ATM CARD UP UNTIL NOW. BUT NOW I MUST CLEAR THIS MATTER UP AS I NEED MY OWN BANKING ACCOUNT, AND TO GET MY CREDIT REPORT BACK TO THE TOP STANDING IT ONCE WAS PRIOR TO THIS MESS. THE SIMPLE FACT THAT THEY ARE NOT SENDING ME ANY NOTICES WOULD TELL YOU THAT I OWE NOTHING TO THEM.
I JUST WANT OTHERS TO BE AWARE OF THIS. MY CREDIT WAS EXCELLENT. I CAN'T BELIEVE THEY DID THIS TO ME AND STILL HAVE ME IN THE SYSTEM LONG AFTER THE PROBLEMS BEEN RESOLVED. IF I WERE YOU AND LOOKING FOR A GOOD BANK-WASHINGTON MUTUAL ISN'T IT- TRY ANOTHER BANK. FROM WHAT AN ATTORNEY TOLD ME THE OTHER DAY, THEY'RE ALL BAD. AND HE SITES IT ALL HAS TO DO WITH THE HUMAN'S WHO HAVE THE JOBS OF WORKING FOR THE BANK BUT ALSO FOR THE CUSTOMERS WITH ACCOUNTS THAT THE BANK... CUSTOMER SERVICE IS SOMETHING OF THE PAST IT SEEMS. YOU HAVE TO BE ON TOP OF EVERYTHING. AND MY ONLY MISTAKE WAS NOT HAVING THE ENERGY TO FIGHT THIS AWHILE BACK. I KEPT THINKING IT WOULD BE LIFTED FROM THE SYSTEM BY THEM, AND LATER THAT IT'D BE EASY TO HAVE THEM CORRECT. WRONG ON BOTH ACCOUNTS.

KYM C-SOUTHERN CALIFORNIA.

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