Complaint: Having had a credit card with this organization for well over two years, my account was always in good standing. Recently, without any notification, WaMu increased my APR to 25.9% from 16%! They deemed me a higher credit risk for no apparent reason other than stating my credit score dropped. This company never told me what occurred, nor did they explain adequately the reason why. It was simply an excuse to charge me more money for my balance. I have never been late on any payments with any company, ever. My advice is to avoid them and Read Your Agreement! Companies like this one use unfair Agreements to jack up y! our interest rate whenever they choose. The sad thing is that our governmental regulatory offices allow these companies to get away with almost anything they want. The Credit Scoring system is a joke, one that is abused and used to make you feel inadequate when applying for credit. The whole Credit business is a big scam.

Complaint: I would like to network with others who are having trouble with WAMU. I am willng to go public with my story, as my complaint has not been answered.

Complaint: I could absolutley kick my own a** for ever applying for my TWO Providian cards in 1999, of which I am still paying on, due to my outrageous 32% interest rate on both cards. I recently lost my job (6 months ago) and in early May/08, lost my house in foreclosure. Regardless of my circumstances, I have never missed a payment or been late in the last 3-4 years, until this month. The payment is now 2 weeks late (I will be making the payment tomorrow) and I have never been so harrassed and abused in my life; not even with the foreclosure!! They called my husband last night and threatened to freeze our checking account until! I "get my s**t together". This infuriated me so I grabbed the phone and told them they would get paid on Friday, to leave me alone. At that time, he completely went off like a lunatic so I hung up on him. He called right back with the same rude attitude telling me that they WOULD get their money regardless. I called back this morning, hoping to get someone with some manners,or an IQ higher than that of a block of cheddar cheese, but had no luck. The ignorant, rude, miserable, uneducated female that answered IMMEDIATELY started yelling before I could even reitterate that I would be making the payment tomorrow. I hung up on her and called back hoping to speak to a manager. Another ignorant female, named Landa got on the phone and listened for a moment and then cut loose on me too. THIS COMPANY BELONGS TO THIEVES and is operated by soul-less morons. Their Customer service reps (I am using the term loosely)are COMPLETELY IGNORANT. I understand that they have a job to do, but do they have to be a**holes too? Additionally, there is a time and place for ghetto slang/ebonics and that is not in the workplace!!!! IGNORANT, RUDE, INCOMPETENT, LOSERS!! BAN PROVIDIAN!!!!!!!!!!!!!!!

Complaint: My WaMu Platinum Visa was Providian VISA for many years until they merged. I have an interest rate of 9.84% as of this months bill. I have a credit limit of $15,000. I only use this card a few times a year and when I do I pay the full balance when the bill comes in the mail. Last months total bill was 33.00, I accidentally paid 28.00 instead of the full balance...leaving a $5.00 carry-over balance. On the next billing period I spent $700.00. When I received my new bill of $700 I went to go pay the full balance that was due about 2 weeks later. I noticed that I was charged an interest charge of $3.50 on this bill. $3.50 interest fee from an APR of 9.84% a year based on a $5 carryover balance?!!! I called them and questioned...they said the $3.50 was based on my CURRENT month's spending! The charges that weren't even due yet. Well, that was enough for me, I canceled the card right then. The customer service rep with a heavy accent (I suspect he wasn't even an American) offered no options for me and could have cared less. My opinion of this company is very low.. they are simply out to make money off people by gouging them in any way to make the big bucks. I would stay away from them unless you want to get screwed.

Complaint: I am warning everyone to avoid Washington Mutual - I have a credit card with them that I obtained at a promotional rate, then 10.24% APR - I kept this card in good standing for over 18 months, never late. In March I noticed that my interest rate doubled, and having never been notified, I called to complain. I was told that I had been notified of the increase, even though I would have closed the account immediately had that actually happened. They would not tell me why they were increasing the rate, only that they review accounts periodically and make adjustments as they see fit. I was told by a supervisor at the time, after threatening to call the attorney general's office, that they would revert my rate back to the 10.24% and make the adjustments, but I would have to close my account. The Employee apparently lied to me, as did several other employees whom I followed up with each month thereafter when I did not see the promised change occur. This month, I called again, spoke to another supervisor, Maria for 43 minutes who promised me that she was going to see that the changes were put through. She put me on hold, and as expected, never came back to the phone. When I called back, the person I spoke with told me the system was down, and refused to put me back through to Maria. I called back today, and was told that nobody every said that my rate would be reverted, that they cannot do that. I have never dealt with a company such as this in my entire life - I will be complaining everywhere I can about this issue, and warning other people to avoid this company - they are the worst example of deceit I have ever witnessed.

Complaint: Do not get this credit card, WaMu of Dallas Tx. My interest went from 12% to 26% without being told and never had a late payment with them for 5 years. When I called and asked why they told me they sent a form with my bill stating changes on my charge and if I did not agree with the changes I was suppose to call and cancel my account. I did not read a paper that came with the bill because their bills always have a bunch of ads in them and I just throw them out. My husband called and talked to them to try to get the interest down they told him no, so he closed the account. In the mean time the interest ! caused it to go over the limit they changed the due date which caused a late fee a total of 39 + 39 = 78 and the payment went from 250 to 350. I tried talking to them again to get the interest rate down and was told that becaused we closed the account they could not make any changes to it and it is against their policy to reopen it.

Complaint: I never use my washington mutual credit card, until I went out of town. The cashier said that my card was denied. How can this be because this was my first time using it. I call the call center, which was not in the united states and he or she said my account was close because I never use it. I use the account on the 18th and my account was close on the 17th. I did not get a letter stating that the account will be close if I do not use the account at a certain time. Their policy do not include anything about cancelling on a credit card, if it not use in a certain amount of time. I am going to a lawyer on this matter.

Complaint: I have had a card with these theives for 3 years with a balance, all of a sudden the interest rate jumps to 31.99% !!!! when you call them their policy is that they do not reduce interest rates, they will let you know if any promotions come up. A loan shark would be better to borrow money from

Complaint: ALERT!!!!I set my WaMu payments up through their (WaMu's) Pay Smart option. The payment is automatically deducted from my checking account, monthly, avoiding any issues; I thought. Of the three Payment Options offered on the Pay Smart form, I chose the first, "Minimum Payment from your monthly statement". I have noted increases in the monthly withdrawals, though I do not use the card and payments are automatically deducted. Here's the catch. After analysis of credit risk, based on credit useage patterns with us (WaMu) based on events and circumstances, i.e. "average payment compared to balance over the past six billing cycles TOO LOW" and, "payment compared to balance over the past year TOO LOW". Repeating myself...I checked the MINIMUM PAYMENT option on the Pay Smart form. The only other choices were "Balance in Full" and choosing an arbitrary amount. After consulting with a service representative, at WaMu, I chose the minimum because it would always cover "drum roll, folks".....the MINIMUM......and I would never be late; the reason for choosing the offered Pay Smart payment option in the first place. Also on the nasty-gram telling me that my credit risk is unacceptable I am offered, for the first time, an "encouragement" that I "pay more than the minimum payment". That's the first that I heard of it. Oh, the increases in my checking account withdrawals to Pay Smart. Those are due to increases in my "minimum balance"..... charged for paying my "minimum balance" and then added to my "minimum balance" to be deducted as "minimum balance". Cyclic. Ah, speak to a customer representative and ask for a supervisor. Try to talk with them about their circular reasoning. All you get is condescending rhetoric about not following the rules. I even asked for a suggested "minimum" that wasn't really a "minimum" that would stop this downward spin. Not their job! PAY SMART is just another gimmick invented to trap the unsuspecting consumer into accruing unseen charges based on unstated rules. Be warned. Ignore the MINIMUM CHARGE. Pay more, or you will...Pay more. WaMu ALERT!!!

Complaint: WE HAVE BEEN A CUSTOMER WITH WSHINGTON MUTUAL (PREVIOUSLY PROVIDIAN) FR 10 YEARS. IN THE LAST YEAR OUR INTEREST RATE AND MINIMUM MONTHLY PAYMENT GOES UP CONTINUOUSLY EACH MONTH. AS OF OUR NEW STATEMENT FOR OCTOBER 2008 OUR MONTHLY PAYMENT HAS MORE THAN DOUBLED AND IS MORE THAN MY CAR PAYMENT. OUR INTEREST RATE HAS JUMPED TO 29.99%. I AM NEVER LATE AND ALWAYS PAY ATLEAST MY MINIMUM AND SOMETIMES MORE EACH AND EVERY MONTH. WE HAVE ASKED BY PHONE AN MAIL FOR HELP IN REDUCING OUR INTEREST RATE AND THEY WILL NOT HELP IN ANY WAY SHAPE OR FORM. DONT GET A CARD FROM WASHINGTON MUTUAL!

Complaint: WAMU has broken agreement to return my interest rate to my origional rate after raising it for no reason and without notification. When this origionally happened I called and was told that they raised my rate because "we can". I stopped paying during this dispute, until I made an agreement with a WAMU rep. to make my account current in three payments after which my interest rate would be returned to the origional. Not only did the payment arrangement not bring me current for reasons I do not understand and they will not disclose, now that I am current they say they will not lower my interest! rate. I have a few other cards and I have had absolutely no trouble with them. They have dealt with me honestly, information about my account is easy to find and questions are answered honestly and to my satisfaction. It is only WAMU the has hidden what it's doing and broken agreements after I kept my end of the bargain.

Complaint: I had a closed credit card account with WAMU however it had a balance that I continued to pay on time, every month. When the balance was just over $200 I paid it off in full in August. In September I got a bill for $3.27. I called to ask what the charge was and was told it was a finance charge that continued to accrue. (How can a finance charge accrue on a zero balance?) The representative told me another charge would accrue the next month. He told me to send $10 and they would refund the amount overpaid. I told him I would not send them another dime! Also, the check I had sent paying off the ! account in full posted at my bank way before WAMU's closing date. Shouldn't the balance due mean "total balance due"? I am disputing this charge. Even though it seems minor, I just want to pay off the account and they seem to make that an impossible task!

Complaint: Hello Fellow Suckers, You have been caught up in Wamu and can now see who they are: CROOKS CROOKS CROOKS Up til now they have done everything but break your thumbs and smash your knee caps. That is forthcoming when it passes Congress! My last payment last year when I wised up was at 48% I have been with Prov/Wamu for 9 years and have paid them over $21,000, which is 168% of my last balance and they still want another $15,000, which totals over $36,000, to do business with them on a yearly average balance of #2,400. THEY WILL NOT GET ONE CENT MORE, IN FACT THEY OWE ME!! Don't get caught up in their arbitration settlement as it is a bogus kangaroo court that never looses. I quit payment, got caller ID and the jackels they set upon me just get a recorded message as I can tell immediately by their ID who it is. Good luck, I refuse to pay more. So sue me. Politics, lobbists and corruption is our reality, sad, very sad.

Complaint: Quote: "WaMu becomes biggest bank to fail in US history." 9-26-2008 Dear WaMu victims the beast is dead, toast, kaput let the bells ring the tyranny is over. The assets have been sold to J P Morgan Chase & Company so what the future holds so hold onto your hats. Hooray!!!

Complaint: I normally do not look in detail to my statement, but fortunatly this time I did to notice I was being charged 47.40$ p/mo for credit protection that I signed for to be 7.95$ p/mo. I immediatly called and was told that the company changed that 3 months ago. I have a credit rating of 770 and plan to keep it that way, but I am not going to pay 47.00 times 3= 150.00. like I said I never signed any agreement or agreed to anything but 7.95p/mo.

Complaint: I originally got my credit card through Providian and never had a problem with them. After Washington Mutual took over it wasn't long until they raised my APR from 14% to 23% for no reason I'm on time with all my paymets and have never been late. When I called them to lower the rate to where it was they said they sent me a notice in March stating they were raising my rate which was a lie because I never got a notice. The girl I talked to was rude and in no way any help. She said I will transfer you to someone who can tell you why your rate was increased. When I was transfered on the p! hone I was transfered to Trans Union talk about a slap in the face. Today I recieved another notice they were amending my APR yet again, again I call and again a rude call center guy with vague answers and get angry because I keep questioning him. He then hangs up on me. What a Jerk.......... I want to take them to court and sue them for fraud and taking advantage of consumers. Anybody know a good lawyer

Complaint: I have had a card originally issued by Providian for 5 years; the balance has gone up and down and paid off a few times; I have made my payments on time and pay more than the minimum. This past Spring WaMu raised my interest rate from 11.99% to 31% and lowered my limit to the outstanding amount; when I called it said it was due to my credit profile (I have no late payments!). This ability to raise interest rates to a level only charged by finance companies or thugs is absurd. I know they are trying to cover their losses but they are creating problems for those of us t! hat would like to pay off their debt responsibly. Something needs to be done; the interest rate is totally outrageous considering the cost of money today.

Complaint: WaMu has raised my interest rate to 19.99%, causing my monthly payment to jump from $260.00 per month to $394.00... Their reason is that I'm at risk of being a write off, how is that so? I haven't been late making payments. My interest rate was lowered 8 months ago or less. Now since we're in an economic crisis, they're economic crisis is now more important, so they are setting up the consumers for failure. I explained that I've been on disability since April, and am not able to make the payment of $394.00, they offered me no assistance, none, not ! addresses to write to, no one I can speak to, nothing! This is what Obama has been screaming since he started campaigning, we, the tax payers always end up screwed. If I make this payment then the mortgage may suffer, or the car note, or the life insurance... This is so wrong !!! Venesta

Complaint: Ok me and my husband got this card last year after missing one payment they called us nonstop all week long even sundays. As early as 6 am and as late as 9:30 pm so we stoped this card. We have applied for a mortage which they told us we need to get this card paid off since then we have had to call this company everyday for the last week only to hear that, They sold our account and they do not know to who. But the will get this info at any moment. A week later they still have no clue as to who they sold it to. How can you own a company and sell someones credit card info and NOT KNOW TO WHO!!!! I'! m so very upset with these people all I want to do is pay the money so I can be done with them and I can't even do that.

Complaint: They changed my due date. Moved it up almost one week. Never sent me a note or email. I have been paying this company directly from my bill pay on my checking account...monthly for the last three years. No problem. This past month, they charged me a late fee of $39.00. I was shocked to see that they had moved my due date. When I phoned the company they basically told me too bad and hung up on me. I closed my account today and transferred my balance to my Chase account. Please do not sign up for this card!! Plus, when you phone you will most likely get someone that speaks very broken English. This alone should mak! e you wary. Thanks.

Complaint: Wow! I didn't realize there were so many complaints about WAMU. They reduced my credit from 3250 to 2561 overnight without telling me as well. I'm looking right now for a card to transfer my balances and will cancel my 2 WAMU cards immediately and NEVER be associated with them again. I always make my payments and even paid the card off several months ago. If they decide to reduce my credit again BELOW my current balance and try to charge me overlimit or other fees, that's when I will be consulting a lawyer. Unfortunately, credit cards have become almost a necessity, but they can't get away with screwing their! customers to line their pockets!!

Complaint: I have a credit card with Washington Mutual and have had it for quite awhile now. My payments are always on time and I pay more than the payment due. Because I would not pay my account in full last April to keep a low finance charge, they are now charging me 31.99%. I have called and talked to the supervisors several times about this and they say because I did not close the account to keep the lower charges then I will be charged the 31.99% now. They do not want to work with their customers and they are ripping people off from their hard earned money. I would advise anyone to not do any business with this company unless you are wanting to be mistreated! They definitely do not care what their customers think. I informed them that this is no way to keep good customers and to treat their customers. I also informed them that without us customers, they would not be in business! They don't care!

Complaint: Here is my HORROR story of WAMU. I do everything electronically, I will be changing that ASAP! I went back and looked at all my previous statements online and noticed that the due date for every single statement had a different date, I'm not talking about a day or even 2. I'm talking about 4 different dates...wtf! I have all my payments set up electronically for every 4 weeks, well, I have been hit with late fees and then over limit fees because the changing of the dates, forget about paying it all off every month and then they have the nerve to jack my interest rate. I had 2 cards with WAMU and canceled one of them...another kicker they raise that interest rate to 30%...wtf is going on??? This is just crazy. This is just insane, are we the ones bailing them out with our own money, out of our own pockets??? If there is anyone out there with some advice and or a class action lawsuit, sign me up!!!

Complaint: A while back WaMu bought a credit card company. wamu kept sending me checks for low apr 1.99? and cap on borrowing $250.00 I am having trouble with my business this year. I went in to the bank and anounced i was writting one of thoes convience checks for the limit. No one said a thing, in fact one person said good idea. I was going to put most of the money in savings as insurance against these hard economic times. The check was returned because i wrote it for the limit and they posted a 20.00 Membership fee on the account the same day the check was deposited and they r! eturned the check. Boy was I supprised. I went to my checking account and saw this 15000 negative balance on my checking. Would they do anything about it? No. No way, I had gotten rid of the other checks because i didn;'t need them. I called the bank on a Saturday and said, I have checks written against that account. She used the cash advance feature and then the credit card company part of wa mu charged me 3 (75.00) 1 (45.00) one overlimit fee $20.00 they wont do a thing. Oh and the convinent interest rate went to 23.99 APR What a deal

Complaint: I don't use credit cards and have them only for emergency. After I attempted to use my Washington Mutual card for an emergency, I was told by the vet it was denied. I called WAMU whose customer service is in the Philippines and was told the card was cancelled because it wasn't used in over a year. I spoke to a VERY RUDE supervisor by the name of Ben trying to get the card reinstated, and he said I was at the end of the road that the card is cancelled and reported as voluntary to the credit bureaus. He said I could always apply for another one. I have a small home equity line of credit and nine months the bill was WRONG. It showed that I was delinquent on the loan because it was due in 1964 when I was only nine years old. Yes, this was a computer error but took nine months to resolve. Because WAMU would have lent $1,000,000 to anyone, now we are all suffering because they had no guidelines in making loans. WASHINGTON MUTUAL STINKS. This has been posted on January 6th of 2009.

Complaint: I just got off of the phone with the Wamu Customers Service for my Master Card credit card. They increased my annual APR from 9.99% to 17.99% without let me know. They said the increase was on my statement...what is that? But they sent a letter in Dec.08 saying Wamu will be Chase and they will increase my annual APR from 9.99% to 12% then I called to confirm if they have more changes and they said no. Then on 02/16/09 I received a letter saying they had some mistakes on my account and the APR will be 17.99%. I called today to close my acccount and say I don't agree with the increase an! d they close my account and told my account has already changed to 17.99% APR. I explained I didn't know or got any letter about that and they kept saying I did plus the changes was showing on my statement, which is a very trick way to tell the customer the changes...I spoke with the manager but she was terrible rude and told me anything could be done. Wamu sucks!!!

Complaint: wamu keeps changing my billing and phone information, then I dont recieve a bill, then the charge me later fee's and finally put it on my credit report and closed my accout. They would offer me anyproof someone was changing it and in fact accused me! I asked for documentation on the "authorized" changes and they refused!!! They will take no responsiblity or clear up my credit reports! This is all over $800 , ruining someones credit, ruins their life!

Complaint: Here is my complaint.I have had my card since 2000.I've never made a late payment(EVER).(this card,or any card for that matter)My interest rate is 31.99(unreal)I've called many times asking..How can this be,and Why?? I get the same insane answer,You're a credit risk(wtf?)At anyrate..I get home from work one day,and there is a message on my answering machine from WAMU.I call them,and they proceed to tell me there is strange activity on my card( once again, wtf??) Then they tell me..Someone in Texas has been using my card??( Yes,I understand credit theft,but I inform them my card is in my purse,and I live in Dayton,Ohio.They proceed to tell me SOMEONE has been taking out cash advances,I asked them...How can this be??I don't even have a passcode(because I've never taking out a cash advance on ANY card ever),so my point is, someone would have had to have called THEIR company,and set up a passcode with them to do this in the first place,and then they would have had to have gone to a bank to take out a cash advance???..They(WAMU) tell me they are investigating into this matter,and cannot tell me anything else right now?...OK!? I truly believe it was done within their company because they are CROOKS ,but at anyrate,then they tell me they will be canceling my old card,and sending me a new one as well.( I've still never recieved the NEW card btw,and this was 4mths ago,but I do of course still get the bills,and Would you believe there was another 100 dollar cash advance taking out again...I see this from looking at the statement!!(remember I NEVER got a New card,but a bill with a new cc number,and the balance I owe with bogus cash advance charges, AND how could anyone have my new account number??I don't even have the NEW card..GO Figure)However this is only some of my problems!! On my NEW statement they have now decreased my credit limit. I had a limit of 14,000(mind you,I owe 7000,but I would have still ! had 7000 left) but now I only have 250.00 available,and they informed that they sent a letter telling me ALL of this(BS)I never got a letter because they NEVER sent one!!I'm truly floored...How can a company get away with this.They are Robbing their customers Blind!!