Somebody made a mistake, fix it!
I believe in honesty
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FEB
22
2008
Washington Mutual —
On Feb. 9th, I was speaking to Pam Bacci of the Mortgage (Refinance) Division in Chicago of WAMu for us to do a modification of our mortgage. We were told that in order for us to get a better rate, we have to pay down the existing loan amount to the conforming loan amount of $417,000. I then proceeded to do that so on Feb 13th, I went to a local branch in National City CA (#1470) to make the said deposit. The teller, Cynthya, asked me if I had already made a payment for February and since I knew that the monthly payment is automatically taken out of our account on the 1st of the month, I told the her Yes, I have made my payment for this month and I want the whole amount ($14,765.00) to be applied towards my principal so the principal balance should have been $416,999.62. I then explained to her what I intend to do (loan modification). She called a supervisor (I did not catch his name) to make sure that she is doing the deposit correctly and for IT to be applied wholely to the principal. That was on a Wednesday afternoon (3:48 pm), by Friday, February 15th Pam called me saying that the loan amount does not reflect the full amount of deposit I made, the principal balance still shows at $423,599.62, the amount missing was about $6,600. Pam directed me to go back to the branch where I made the deposit because she cannot do anything at her end. So that same day I went back to the branch, spoke to Sonia (of their Mortgage Division), she then preceeded to call the customer service number (5669268937) to find out what had happened. Sonia then came back to me saying that my mortgage payment for the month of February was applied on the 14th (I made the deposit on the 13th) and that my account will be credited by the 25th! I told Sonia that it will be too late because my rate lock will expire for the loan modification that we are trying to do! She then spoke with another person in the mortgage department of that branch, explained my situation and she (the other person in the mortgage division-did not happen to catch her name because I was very upset at this time) said that it is out of their hands and that I have to call the customer service toll free number everyday to check on the balance. They could very well credit my account way before the 25th! Sonie also spoke with the teller to see if she did everything right and if the teller remembers me and she did. So I left that branch not satisfied and very, very upset because someone dropped the ball and they cannot fix the problem. In the meantime my rate lock will expire so we will have to start all over again with the loan modification! So ultimately, I am paying for someone's mistake in that branch which should not be the case because I did everything correctly!NOTE: the reviewer indicated that they are a client of Washington Mutual
Washington Mutual is not recommended by jaybcee
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