Let me be clear in stating that this review is not written due to just ONE incident with this bank, but several. First of all, I had accounts with Bank of America but my local branch closed, so they transferred my accounts to Washington Federal. There is no Washington Federal branch in my hometown, so already I was annoyed. Second, I was living overseas last year and needed to transfer money to my account here in America. Bank of America offered international transfers - Washington Federal does not, which I was not told at the time. They said they used Wells Fargo for their international transfers. When I called to figure out this situation (FROM OVERSEAS) I was told I needed to have a Wells Fargo account to transfer money. Let me also mention that I spoke to at least 5 people on this international call, put on a conference call, put on hold and at least half of the people had no idea what a SWIFT code (needed for international transfers) was or how to point me in the right direction. As it turns out I did NOT need to open a Wells Fargo account, but use their swift code plus a few other numbers from Washington Federal. It was a headache and the customer service was ridiculously awful and uneducated in their field. Finally, I am here back in America and have since opened an account with US Bank (who does international transfers) and have transferred my money from Washington Federal - but not all of it because for some reason you can't transfer ALL of your money out of your account. What? So I left a cent in each account. I called today to cancel my account over the phone (since I do not have a branch in my town) and apparently I can't do that because I need to be there in person AND I have funds left in my accounts. BECAUSE YOU WOULDN'T LET ME TRANSFER IT ALL. REALLY? Also I had a family member close her account over the phone so I know for a fact it has been done. Again the customer service was not friendly, supportive or understanding.
In the spring of 2013, I used online bill pay to pay my county real estate taxes. I input the correct payment address and account number and they sent it to the electric company. In the fall, they did the same thing so I dug deeper and noticed that the address that I had input had changed. It appears that in a computer conversion that the bank had jumbled all the payment addresses. So the dumb CPA that I am, I thought, surely this cannot happen again. So I went and paid it again through online banking and for the third time they mailed it to the wrong address.
They care so little about my money that they send anywhere they please.
So the question must be asked: does my money really exist in this bank or is it really just a giant Ponzi scheme?
Since Bank of America made the official transaction to Washington Federal (approx. 3 months ago) my card has been declined for reasons not explained. Despite having plenty of funds I have had to leave a basket full of groceries on three separate occasions, Needless to say staff was unapologetic and unable to offer me satisfactory reasons as to why my card did not work. After my card was declined on one of the three occasions I went to a local branch and observed staff to be extremely rude and unaccommodating toward another customer who was wanting to cash her paycheck. It was my understanding the customer was formerly with Bank of America and for whatever reason her account (s) had not transferred. I was surprised and somewhat disgusted that staff did not cash her check as a courtesy and/or attempt to retain her business. I understand there are often glitches with such major transitions but the conduct of Washington Federal has been very disappointing and I will be taking my business else-ware. FYI I am referring to branches in Boise Idaho specifically the branch located on Cole Road.
Went to the ATM to get money out and all I got was a printed receipt that showed the amount I withdrew but received NO CASH! I went inside the branch and explained what happened and all they said is that there was nothing they could do. That I had to wait until the next day. Seriously? I demanded they looked at their camera so they could see I did not receive any cash. Again, the "teller" said I had to wait at least a day. I spoke to branch manager and he could not help me either. I needed my money today... not tomorrow. I understand this is not the branch's fault (probably)... It is the bank in general that has a bad ATM or something. As of today, they have lost my service.
My Bank of America account was automatically switched to Washington Federal. This isn't my primary account and as such I really had no money in there. Long story short - this bank charges a $20 non-sufficient fund fee WITHOUT even covering the cost of what, in my case, PayPal was charging me $8 dollars for. PayPal did this multiple times without telling me, the bank kept charging me these fees without telling me, and now I just received a phone call about a 6 weeks after the fact "letting me know my account is overdrawn". This is the first I have heard of this and now my account is almost $100 overdrawn. WTF. Oh, and it took me talking to at least 5 different people to figure out what the charges were for. I'm probably being hit with another fee as I type this until I can get myself to the nearest branch which is an HOUR away for me. This bank is absolutely atrocious.
I never felt comfortable with the change from B of A and I had heard about what happened with "retained" Employees and employee complaints. Their customer service is strange and not very friendly, each time I call for the same thing I got different answers. Their system for my atm card asked for a new password each time...my Federal tax return refund was rejected and others were going thru. Federal Government told me that it was rejected because the account was not active, but they also noticed it was the same account number as previous years. I am being charged for things I didnt do, and when I call about it I am told its an ERROR. Hummmmm I believe im changing banks to one that does provide credibility in their service.
When B of A sold some branches to washington federal my account automatically transferred so I went into the branch to cancel it. I was told I would either have to wait 30min or make an appointment to come back another time. I was then told I could call and do it over the phone. I called all day and only got a busy signal. I emailed them and got no response.The next day I called again and finally got through. The incredibly rude person on the phone told me she couldn't do anything. I asked for her supervisor and she told me she didn't have one! She said if I wanted a supervisor I would have to go to my local branch. Customer service reps without a supervisor, well that explains a lot. As a call center manager I can tell you right now if my agents didn't have supervisors we would go out of business. And if Washington Federal doesn't pull their head out and realize customers won't put up with that they will go under! There are plenty of banks that will bend over backwards for their customers. Citizens Community, US Bank, Glacier, Mountain West to name a few. Even B of A was a million times more helpful!
Of four different banks I work with in my current banking relationships, this has been by far the worst. Clueless customer service and a lack of appreciation for its customers.
The bank is very unprofessional and unpredictable. I have a credit rating of 800 and have been jerked around on my home loan to where I feel like I am in a used car lot being run by Larry, Curly and Moe. One minute my loan is approved, the next its not. Then when I insist on paperwork that says its approved, they tell me something like this, "Oh, I need to verify your employment. How do I do that?" Insert your own favorite three stooges line now! So, Im gonna close on Friday, or maybe two weeks from now, or today? Woo Woo wo! LOL I'm done riding this train. Its time to restart this whole process with a real bank.
I have had a lot of trouble over the last several years. First, they misspelled my middle name. They are slow crediting my deposits. They do not allow electronic checks at WalMart. They have repeatedly declined legitimate charges to Amazon.com. They sometimes demand that I telephone them and approve debit card charges line by line. I've had it with them. They seem to squeeze each account for every penny, adding up to large amounts of illegitimate money each year. Avoid them.
After a few bad experiences with Chase (post-WaMu), I decided to open a checking and savings account with Washington Federal Savings as their Ballard (Seattle) location was close to where I live.
Two weeks after opening the account, I noticed a $14 withdrawal from my checking account by an unknown party. As it turns out, personal checks are automatically ordered when opening their Simple Checking account. I inquired about this charge, as it was not explained to me nor was it documented in the disclosure or fee rate sheet, and they essentially just said it was part of the process and that it was not documented. At one point I asked, "What documentation was I given that explains $14 will be removed from my account for ordering checks?" The teller replied, "Where does it say we won't?"
Thanks Washington Federal Savings for the two weeks of great service and two days of horrible service. I will be closing my accounts.