A few years ago I was contacted and asked to buy what Washington Mutual called "CREDIT PROTECTION" on my credit card accounts with them. For a few hundred a year per account I could protect my accounts if I ever lost my job or became disabled. Sounded like a good idea up until I needed it.
Back in June I injured my back and needed to use my so called "CREDIT PROTECTION", this is where the scam starts.
I filed the paperwork as required which took over four weeks for this to happen. The protection was activated and my next payment should have been due in Nov but I was still disabled because of a back surgery that was done in Aug. They lost the paperwork so I had to file again and again they lost the paperwork so I filed eveything again and this time they got it straight I thought. I got a letter in the mail telling me my protection is extended from June 6 until April. Why would I think anything would be wrong with that in writing.
I get my bill that should have been the same balance as it was when I got hurt but NO, there is almost $700 (on both cards) in interest fees, late fees and my credit limit on both my accounts had been lowered below what was owed so I was also hit with over limit fees which bring on a higher interest fee also. With a little checking I also found out they reported to the credit agencies 30 day late payments.
I have called Washington Mutual many times and they state they do not make mistakes. The wonderful words "you don't understand how this all works" is everyones answer to everything. As a customer service they will refund two $39 late fees, boy aren't they nice, refund $78 but keep $622 and keep my credit screwed up. Doesn't this sound like a great deal to pay for?
Now I have gone up the chain and have been told by one "Ben Shandobil" that he answers for the CEOs of the company and that this is how this is and of course I just don't undestand. Not only does he answer for them but he also has been calling to rub in that he has checked further into this and he is still not going to remove anything from my credit. I have requested he not call but still continues to do so. Ever WaMu customer service person I have talked to states they have it on the computer that he is not suppose to call and not sure why he would be. If you run a search you'll find that this guy Ben Shandobil is really good at playing games with WaMu customers.
Bottom line of all this is that WaMu's credit protection is a scam and a really good way to screw up your credit. WaMu has no idea what customer service is and the sooner they are out of business. I would be more then interested in knowing if anyone knows anyone above this guy and can get this taken care of.
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