This writer needed $1,500 quickly and thinking 0 interest rate for a year would be a good way to go. Of course included in this loan was an immediate $45.00 charge. Then the frustration began. First It took three months to set up auto pay.(May to first of September ) Then because I wanted to pay over the phone--they charged me $9.95. In meantime, my June payment was due and I missed the date(I had just arrived back in town(I stared the procedure for automatic pay in May and mistakenly thought it was taken from my account.
Well it wasn't--there goes $39.99 for late payment .On July 10th their company they delegate (pay smart)to deduct the money from my checking account informs me they couldn't deduct from my deposit slip--which had my account on it--of course now I am wondering who in the world do they represent as it doesn't say Washington mutual. After many frustrating phone calls, I find it is Washington Mutual. Once again I resend out the application(third one) On July 18, they inform me they have received my new application and enrollment is ready.
But I must still make the payments. On July 26 (Confirmation #732737) I have made another payment of $99.00 plus another $9.95 phone charge, they said they would wave the $39.00 late fee.(so far I had paid$ 138.00. In this confirmation phone call, they said No August payments were due and my balance was $1,400.00. Well, in August I am informed that I am charged another $39.00 and my balance due is now $1,534.00. Now it has taken me one hour to try to reach WASHINGTON MUTUAL. All I get is Automated service with no ability to reach customer service. The assumption is that every one has internet. Well after I got to an internet connection I still was unable to get a customer service representative.
Last Month when I finally got through, I had to tell the nice man from Egypt ( or Pakistan) that I wanted to talk to an American supervisor--he said what for I am a supervisor? If I could have gone through the phone, I would have. I finally spoke to a representative and told them that indeed their efficiency was much to be desired--pay pal with no reference to Wahington Mutual, automatic service with representatives from Pakistan and their rudeness.
If I ever get this mess taken care of I will NEVER do business with Washington Mutual or any companies that hire its customer service represatives from foreign lands.
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