[Porsche-O-Phile]

I've had some issues with Washington Mutual also; some of it was my own fault (I overdrew my checking account in order to pay some bills on time), but they got downright NASTY over this - when I went in a few weeks later to make a depost (which would've un-negatived my checking account and brought everything back to "normal"), they told me basically they'd closed my account and reported the amount owed (it was only about $200) as a "charge off". Of course they claimed I still owed it to them - so give them the money. I basically laughed in their face and said they were welcome to have it IF (and only if) they would provide me written documentation that it was not "charged off" (i.e. the obligation was settled to their satisfaction) and either my payment would be recorded on my credit report or the "charge off" would be removed - otherwise I'd keep my $200 since the damage had already been done and I had nothing to gain at that point by paying them. Not that I don't mind paying them, but I expect something in return.

Their so-called "customer service" manager was completely unwilling to work with me on this; to my knowledge, the "charge off" is still on my credit report, despite my good faith effort. Oh well. Typical. This was the worst (but certainly not only) problem I had with Washington Mutual - they're no different than any other bank.