I was first a card holder of Providian Bank but a short time later was informed that my account was now issued by Washington Mutual Bank. I had a interest rate of 10.83% and everything was fine. I never had a late payment and on many occasions paid more then the minimum payment due. After the turn over of my account, a short time later my interest rate jumped from below 11% to over 22%. They said that there was a problem in my credit report and raised my rates for it. The problem I have with that is there was no problem with my credit reports. I have three other cards by different banks that have no problem with my credit reports so WASHINGTON MUTUAL lies to create more revenue by charging more in finance charges under false pretences. When I try to call to talk to customer service about the problem I get someone in India that speaks very poor English and does not address my issue. I have emailed Washington Mutual on several occasions and they give me the I'm sorry about your problem but again does not address the issue. It's because they are cheating me and God knows how many others to make more revenue to make their quota dollars and give their big wigs the big bonuses.
Anyway I would like to hear from anyone that has had the same problem or any problem with them so I can get a enough documentation to maybe start a lawsuit. If anything I want to warn anyone that might be thinking of getting involved with WASHINGTON MUTUAL about their tactics.
I am on social security disability and my income is limited. The only thing I want is to be able to pay my debts under reasonable terms. With a payment of $153.00 on a $5,088.02 balance and the finance charges at $96.11 I will never pay this off and afford to get the meds I truly need because I only have very little money left to buy food.
Well God Bless and I will update as I get more information on Washington Mutual.
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