lovegage Posted January 24, 2008 Report Share Posted January 24, 2008 My husband and I got behind on our credit card payments. We since then were able to come up with money to pay off one of the credit cards; my husbands WAMU credit card was up to $3000.00 we call them to see if they would take off some of the recent late charges and overlimit fees. After much persitance they agreed to take off 1 late charge and 1 overlimit fee. So we paid off the entire balance. By the way the new billing cycle started the day after we paid off the card. Now we receive a new statment from them in the amount of $209 when we called we found out that the floor supervisor that we were speaking to initially did not credit us the fees they had aggreed to so that left a balance of $74 plus they added another overlimit fee and a late payment fee, they also increased the finance charge from 12.75% to 22% on the new statement and callculated the finance charges based on the previous amount due. How is this legal we paid before the new billing cycle started, what are our options. I plan on disputing the bill but what grounds do I have to stand on. Link to comment Share on other sites More sharing options...
gypsie Posted January 28, 2008 Report Share Posted January 28, 2008 I plan on disputing the bill but what grounds do I have to stand on.None, if you didn't get the agreement in writing, then it "never" happened. Most of us here have lived and learned that game. Link to comment Share on other sites More sharing options...
Fozzle Posted January 28, 2008 Report Share Posted January 28, 2008 Find out who the top dog in customer service is, and contact that person. It's like that the phone call was recorded on their end. Link to comment Share on other sites More sharing options...
lovebug5 Posted February 5, 2008 Report Share Posted February 5, 2008 When you signed up for your WaMu card, you received a little pamphlet by the name of "Terms and Conditions." I got one when I received my card and I'm assuming that you did to.This "Terms and Conditions" pamphlet tells you that they're allowed to raise your APR, charge you fees, or anything of that matter when you default. By activating and using your card, you agreed to their Terms and Conditions. From what I read in your original post, WaMu has done absolutely nothing wrong. As another member said, if you have nothing in writing, you have nothing whatsoever. Pay it, move forward. Link to comment Share on other sites More sharing options...
Big Time Posted February 6, 2008 Report Share Posted February 6, 2008 Charge the $3000 back on it, then BK it in a few months, or just report it stolen after you buy some stuff. Use your left hand to sign the CC receipt so the signatures don't match and go to a store about a hundred miels away from your hometown. Use the card to fill up with fuel on your way there.Also get a cash advance and say the PIN # was written on a slip of paper in your wallet, which is what was stolen.Go ahead and file a police report and get a new drivers license, too. That'll make it look legit and show those smug bastards at Wamu that you won't tolerate their disrespect. Link to comment Share on other sites More sharing options...
Big Time Posted February 6, 2008 Report Share Posted February 6, 2008 Don't really do any of that stuff. Link to comment Share on other sites More sharing options...
Houdino Posted February 6, 2008 Report Share Posted February 6, 2008 Big Time,Do I sense just a teeny, tiny bit of hostility???Are you a former WaMu customer? Link to comment Share on other sites More sharing options...
Big Time Posted February 6, 2008 Report Share Posted February 6, 2008 Actually, no. All predatory banks act like that, though, and I'm in a bad mood tonight. Link to comment Share on other sites More sharing options...
Houdino Posted February 7, 2008 Report Share Posted February 7, 2008 I did like the "Filler up on the way there!!" though. Nice touch!! Link to comment Share on other sites More sharing options...
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