I took out a home equity loan with WaMu and they offered to reduce the interest rate by 0.25% if I set up automatic payments from a WaMu checking account. It worked fine for a few payments, but then I started getting charged late fees and NSF fees because my loan wasn't being paid. After months of fighting with them, they said it was because someone put a freeze on my checking account, but they had no idea who or why. I have been trying to get the fees reversed, but the two departments don't communicate and just pass the buck back and forth. So now I owe over $300 in fees caused by their incompetence. BTW, their customer service is the worst I have ever encountered. It is impossible to contact a real person on the phone and emailing usually results in a form letter reply that doesn't address the problem.
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