Complaint Review: Washington Mutual

Today I recieved my bill from Washington Mutual Credit Cards, the balance they went by my APR which is 19.99% is 1304.53, I was given a 38.52 finance charge, which they state is based on my APR, if you take 365 days and divide that by 19.99% you get 0.0548% daily periodic rate, then if you multiple the 0.0548% by the 1304.53, you get a daily rate of .71 and if you take that and multiply that by the days in my bill cycle 29 it equals 20.59, which should be my finance charge, if I do my math with any other credit card company I am with it balances out. The only company who makes no sense is Washington Mutual and this is not the first complaint I have made about them, they overcharged me this month by 17.93, if I take the amount I was charge a finance fee for and divide that by the 1304.53 it totals almost 34% interest, and WAMU is telling me I am wrong, and that I need to take the balance due which is 1304.53 and then multiply that by the amount of days in my bill cycle and the take that a multiply my apr and the divide it by 365. I had to ask the rep if she was retarded cause her formula, does not total anything like what they are giving me or what I am getting. On top of this my 38.52 charge put me over my limit 9 dollars and on top of that they slammed me with a 39 fee, and state that it is my fault, although they obviously overcharged me 17.93!!!!

Crystal0284
Lafayette, Louisiana
U.S.A.