I had several fraudulent charges/debits against my WAMU checking account which I disputed and thought I had them reversed in my favor. Several months after this, WAMU came back and re-reversed my initial credits. The total was about $3000. I had dozens of conversations with customer service reps at Wamu in many different departments with no luck. I could not get a reason in writing as to how they came to their decision and I have had no luck with getting them to change their mind.
I chose to let my checking account go into default (as I did not have the $3000 to pay at the time and I totally disagreed with WAMU on every point) and just a few months ago, this $3000 debt was sent to collection with ER Soultions and has appeared on my credit report.
I was hoping to hear what my best options are to get this off my CR
a) try to sue WAMU in small claims court
b) offer to pay portion of the debt if they remove the info from my CR
anything else I could do that would work?? comments/ideas welcome!