Washington Mutual / Providian Credit Cards / Misinformation / Ruined credit
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!