This report is tied in with 1800flowers.com which I posted about a while ago. Normally I never had problems with the bank until this problem cropt up. When I informed wamu about the overcharge and showed proof of it, plus not much lator the dead and damaged product I figured it was going to be a cut and closed case. Turns out, even with the evidence wamu sates its a merchant dispute and their not responsible wether the charge was correct or incorrect. Federal banking law, and CA banking law states otherwise.
What is actually happening, Wamu owns part of the huge flower company, so what gets sold they get comission on. The deal they have is they wont do chargebacks even if the law states they have to.
After talking with Wamu's credit card devision, and having the head superviser telling me I have to deal with merchant who made the illigal charge in the first place who said they would fix it in email but refused on phone, I file in small claims court. Send a copy of the subpoena which despite the fact where they are informed they cant touch or charge my account till a decision is made in court do it anyway and Wamu stated "As long as we didnt sign the subpoena, we dont have to follow it" Which several Certified attempts were made and the manager involved in evading a court order is about to find out what happens when a court order is purposely evaded which Ill post about shortly, as I hate to spoil suprises.
When I saw the few hundred complaints about Wamu, decided to post my 2 cents as well. The bank breaks as many laws as they can get away with and they do it becasue the few who try taking them to court they try getting out of it by evading court orders.
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