My Providian/Washington Mutual credit card is trying to make me pay for over $1200 in charges I didn't make. They supposedly sent me a new card in March or april (why I don't know) but I never received that card. It was activated on 4/30 between that time and June $1200 in charges were made to local businesses in the chicago suburbs (I was in Pittsburgh at the time with my newborn). Late June they call saying my account is past due, which since I never used this card, ever, I was quite surprised.
Then the fun with the fraud department begins. At first they say my card was activated from my home phone and since someone in the household supposedly did it they rejected it as a claim. My home phone is my cell phone so I pulled up the call records from that day, no call to WaMu, between this time one of the collections/billing people called me and asked me for a secondary phone number, so I gave them my mothers.
Then all of a sudden the activation call came from my mother's number so I'd have to take it up with her, claim still rejected. I talked with a manager and ask which number it was activated from she tells me my mother's, then I ask her to give me the actual number, she fights this for a bit, asking things like don't I know my own mother's number, but she eventually starts searching for the supposed activation number, it takes about 5 minutes and at about the halfway point she asked me my mother's name, which I stupidly gave her. I believe she just looked it up on the internet.
Now I have my mother's phone records proving she did not call WaMU on 4/30 and I faxed WaMu the records, they STILL are rejecting the claim. I get calls almost everyday from the collections/billing people and no matter how many times I say it's on fraud alert so stop calling me, they still do.
What really gets me is the card was activated from a phone number not on my account information and I had this card for 3 years and never used it once. Neither of 2 things raised any red flags or even a phone call or e-mail to me. Doesn't most credit cards have some kind of security features for inactive cards?
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