Desperate and need help: Washington Mutual Checking Account

My husband and I had opened a joint checking account with Washington Mutual quite some time ago. This account was closed out at some point in 2004-2005, because we were moving to a new neighborhood. We switched to Commerce Bank. I had automatic debits coming out of the WaMu account, and one that was about due to come out. Under advisement from a bank representative, we withdrew all money except what was needed for the automatic debit. We went back to the branch after the debit was withdrawn, and closed out the checking account with a $0.01 balance. We moved shortly thereafter.

I January 2007 I received several calls to my home from a collector regarding an overdrawn Washington Mutual account in our names. I contacted the WaMu 800 number several times and was told that an old checking account that I closed out in the mentioned branch a few years ago with a $0.01 balance was never closed properly by that office. Because of which, ACH transactions attempted to come through and rejected, which cause the account to be overdrawn and accumulate fees to over $900.00. As suggested, I sent a letter to the branch (CRR), and followed up with the branch via phone a few weeks later. I was assured that this matter would be taken care of, that the fees would be reversed by Washington Mutual and collections would cease.

Fast forward to April 2008. I received a letter from Island National Group, LLC trying to collect on this account. Upon further investigation, I pulled our credit reports and found that RJM Acquisitions is report this account as derogatory, in the amount of $900+.

I immediately mailed a CRR letter informing Island National Group and RJM Acquisitions that their information was wrong, that it was a bank error, and I was working with the bank in resolving it.

I then sent a CRR to WaMu’s main office. I explained the situation, also provided copies of my original CRR letter to the branch in 2007, the CRR letters to the two collectors.

In June I saw that RJM was still reporting on my credit reports, so I did an online dispute with the CRAs. CRA came back that it was verified. However, I did not realize that the CRA will not send you proof if you do an online dispute.

I’ve written three CRRR letters to the WaMu’s main office since April, and have not received any letters or phone calls back.

Now what do I do???????

Thanks!!!