Complaint Review: Washington Mutual/Providian Credit Cards - Seattle Washington

First of all you need to be aware that before getting these credit cards we had a FICO score over 900. We own our home, having paid off a 30 year mortgage in 9 years, our cars are fully paid for and our credit report has no history of late payments to any creditor at any time. We normally pay all credit card bills in full monthly and only occasionally carry a balance for no more than 4 months and we we always pay at least twice the minimum payments when we do. My husband and I both called them over and over again over the course of the 4 months, and we questioned it everytime they claimed no balance - no payment due. We kept telling them it was not correct we used the card and wanted to pay for what we charged. We could not send a check to them if they denied we had a balance with no guarantee that it would correctly posted to our account. This was account mismanagement on their part and as soon as I filed a complaint with the Office of Thrift Supervision WAMU immediately agreed to resolve the complaint on our behalf. If WAMU was not guilty of account mismanagement, they would never have agreed to it settle.

WAMU finally resolved my account, but not without my filing a complaint with the Office of Thrift Supervision. WAMU's carefully crafted letter informing me that they would resolve the issue in my favor, while at the same time avoiding taking any responsibility for the problems their account mismanagement caused. In effect they have perjured themselves in a legal document sent to a goverment agency. The letter is still denies having correct contact information and mailing address, yet in 1 of 5 recorded calls where Ms Herring confirmed they always had my correct contact information and mailing address. As well as apologized for any mis-information I may have received when I called with questions about my account and missing statements. They also still claim I never called them. The credit cards were sent to my PO Box otherwise I would never have received them. They misdirected my statements to my street address. They never looked at my account record to locate the PO box They never called me to get a correct address, claiming they had a transposed number - however they claimed transposed before asking me for a correct number. How did they know it was transposed if they did not know the correct number to begin with. They never flagged my account, so when I called someone could ask for correct information. All I can say is if you have a credit card with WAMU, close it immediately before they can do this to you, if they have not already caused a problem. If you do not have one - never get one from them. I'm planning on closing my checking accounts with them as well. I am trying to contact Mastercard and inform them of this fraudulent activity, but no one seems to know who should be notified.

You opened a WAMU Mastercard account approximately 4 months ago. You activated the cards (which were sent to you, I assume, at your correct address.) You used the cards to the tune of $1400. You called and they said your account was in good standing and you had a zero balance. How many times did you call? When did you think the bill would be issued? Did you read the enclosures that came with the card? It is not their responsibility to make sure that they have the correct address to send a bill, and you are required to pay what you borrowed regardless of receiving a bill. Now if your card was stolen and I misunderstood your post, then never mind, but why didn't you call the police and file a theft report?