I opened this acct July.
I called WAMU (Visa) to see if they received my check that I mailed close to the date it was due. Customer service rep said no, and to be safe and not worry about a late posting, I should make a payment with him by phone, which I did.
The following month statement had $14.95 WAMU pay-by-phone charge. It also showed my $46 mailed check payment posting the same day as the phone payment. I was also charged $35 'return payment fee' claiming that my checking acct was invalid along with another $46 for the amt of the payment they claimed they had to return. (which they did not return, it cleared my bank)
In order to clear this up, they wanted me to send proof from my bank showing that the payment was made.
During the time it took to prove that it was their error and not mine, they suspended the use of my credit card. (This has never happened to me before.) Apologies from the very polite foreign-contracted c/s reps and supervisor but this was too time consuming and I hoped this would be the end of it. On the next statement they reversed the improper charges.
I paid online as they suggested for the next bill. When I went to use my card, it was suspended again! Not having the time to be on hold, I went online to check and received an ineligible access message to my online acct, telling me to call WAMU. The automated voice said that my payment was received (in advance of any due date) but when I spoke with the c/s rep, he said the payment was returned due to lack of funds. (this is not true.) Then he said the acct was not valid. (not true.) I told him my bank cleared the payment.
After 30 min on the phone, I asked for my acct to be flagged and to have a supervisor call me. I was then transferred to a supervisor who told me that she will reverse a $39 late fee but that I will still need to pay $64 now which is current due plus a month in advance plus late fee. (haven't even received a statement for next month yet!) I asked Gladys (supervisor) if she hears what she is saying? She is asking me to pay fees as she is saying she will reverse them? She asks me to mail and fax a letter with bank info as proof that the payment cleared my bank.
I told Gladys that I will send her my info as she requested to clear this up, and I will contact an attorney about their fraudulent handling, and I will bill them for me services and time to resolve this matter. She is paid to assist me as are the c/s reps, but I am not on WAMU's payroll.
I am sure that if this is happening to me, it is happening to many.
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