Washington Mutual is the WORST Bank to work with. They kept on taking 2-3 x my mortgage payments all throughout the course of last year, leaving me penniless, with returned checks for other bills because WaMu would take all my money, it took forever to get them to stop it. They claim I was late 3 times last year, and it took me a month worth of working with Wells Fargo to gather the evidence that contradicted their attack on my credit score. Below is a letter that was back-up by evidence. To erase the credit issues with Washington Mutual, I have included one years worth of bank statements. Page 1 – January Payment – 01/06 Page 2A - $2932.80 is the payment I made to Washington Mutual for Feb/March as I was out of country for those dates. I chose to send 2 mortgage payments. Pabe2B – shows the check reference Page 3 – April Payment – 04/05 Page 4 – May Payment – 05/17 Page 5 - June was the month I first had trouble with the automatic phone pay system. I attempted to make the payment around June 20, but it did not post to my account. I followed up a week later and made the payment which was reflected in July. It posted July 7, 2005. Even taking into account the technical difficulties I had with Washington Mutual's pay system and even though it is passed the due date, it is still not 30 days overdue as Washington Mutual has posted on my credit record. Page 6 – I had trouble once again with the phone payment system. I requested payment for July around the 16th of July, it did not go through. So I requested it again around 6 days later as I gave it time to post to my account as the customer service rep suggested, it went through on August 1. As I had requested the payment a second time, the payment I requested in early July and the payment I requested in late July both came through on the first and second day of August. This should be adequate evidence that the Bill Pay system had a bug, as it is unlikely that a customer would pay their mortgage twice in 2 days. Page 7 – As you will see a third payment posted for August, as Washington Mutual turned on the automatic payment withdrawal without my permission or consent, even though I had already paid two mortgage payments. Yet another technical issue I was dealing with. At this point, I had nothing but trouble with the process of dealing with Washington Mutual. They had charged me 3 mortgages in one month. Page 8 – September's payment – 09/02 Page 9 - Washington Mutual (once again) charged me twice in September for my mortgage payment. I spent the whole month working with them to get this fixed, it was very frustrating. Page 10 – October's payment 10/24 Page 11 – November's payment 11/01 Page 12 – December's payment 12/06 Page 13 – Washington Mutual had once again charged me twice for December, once again, being a very frustrating experience. In summary – How does someone who made 15 mortgage payments throughout the year be hit with multiple late charges for mortgage payments. I have provided the banking records to prove this, as follows in this email. Regards Chetta Crowley