Washington Mutual/Providian's poor business practices have damaged my credit rating and sent account to collections
We opened a Mastercard account through the local branch that has our checking accounts. Cards received and used, suddenly no stores would accept them.
Numerous calls the toll free number on the cards were answered with "Your account is in good standing and there is no current balance". We never received any statements and everytime we called we were told the rejection issue was not related to our account and must be the retailier and there was no balance. So we stopped using them altogether.
On Oct 16th, we received a call from the collection agency that was sent our account and told we had a $1400 balance and our account was 90 past due.
This is a direct contradiction to what WAMU was telling us.
The collection agency informed us that the statements were being returned as undeliverable as they had been sending them to an incorrect address.
When I called the corporate office, I was told they did not have a valid phone number so were not able to contact us, while later in the same call the same person said they left numerous messages that went unanswered.
Funny how a disconnected phone number suddenly became numerous unaswered messages.
At no time did WAMU ever attempt to contact us and when we contacted them - they lied about the status of our account.
WAMU denies that we called at all, refuses to pull the account back from collections and repair our damaged credit rating. The person I spoke to kept demanding to know why we never made a payment - and I kept telling them it was because we told repeatedly no balance - no payment due everytime we called. And she still kept asking!
After getting no where with her I called the corporate office back and demanded to speak to someone else with the authority to correct their mistakes and I was told I had gone as high as I could go. And that I had received the final word on my account.
I requested to be transferred to the CEO and was denied that as well.
I immediatly filed a complaint with the Federal Reserve.
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