Are consumers being scammed by World Financial Network Bank?

Ok so it is harrassment though. These people have a leagal contract with these companies. So they have every right to call. Also they are not fake cards. Alot of people arent aware that they have a card because they sign up for it at the stor to get a discount on their merchandise but at that time the purchase is now put on their credit card. The sales associate may not make that clear but dont blame the bank blame the store. People need to quit being dumb and liisten to these people. They call becuase YES, you have a card if you feel that you dont then do background research on it

I have received a phone call from this company and talked to an agent named Mrs Smith regarding something to do with my daughter. They said she had to calll them( it was imperative that she call them otherwise they would have to take action that would directly affect her) whatever that means. Anyone else receive a phne call form this company?

This organization has been calling a lady who I am a caregiver for and threatening her with all kind of legal action, bad credit reports, etc. She got a drug discount card through Roamans and did not use it...then called and canceled the card. They continued to bill her $10.00 a month even after cancellation. She is disabled and has cancer...the agent yelled at her over the phone and she was in tears

Oh no, that is terrible! Perhaps you could file a complaint for her with the FTC, BBB and your AG, you can easily do this online.

WFNNB does tend to assess the late fee before the payment is due. They also seem to have a lot of problems with online payments. When I couldn't access the account online to pay my bill I called them - they told me too bad - that's my problem so I mailed my payment but was assessed a late fee (because I could have paid the bill by phone). I then started receiving harassing phones (5 or 6 a day!) until they finally bullied me into making a phone payment to get "current". Then they just started taking various payments from my checking account. Since I pay them out of a small personal account separate from my family account and don't keep much money in the account (it is used mainly for when I take the kids to McDonald's or the movies, etc. because I don't usually carry cash) I ended up with huge bank fees (the bank paid everything that hit the account but charged me for the overdrafts. I called WFNNB about the unauthorized payments and was told once again that it was my problem - seems to be the stock answer to everything for them! I went to my bank and transfered money over to cover my overdraft and told them what happened. Apparently once you approve a payment over the phone it gives them carte blanche to keep submitting phone payments without further authorization from the account holder. As lone as you do actually have a balance with the credit company it is not really considered fraud. My bank closed out the account for me completely and reopened a new one because it was the only way to protect myself in the future. They also advised me to never make phone payments. Since all this mess ended up costing me several hundred dollars which I couldn't afford I am not able make my payments (which have extra fees tacked on all the time now). I have explained this to them - if they would admit to taking the payments in error the bank could reverse all the penalties but since they won't I'm still juggling things to make up the lost money. They call me several times a day (often times the same person!) and I keep explaining the situation. They repeatedly insist on my making a phone payment even though I keep telling them my bank won't honor it because they are monitoring the account to make sure nothing else slips through. This morning they called at 8am (same guy who usually calls) and after we repeated the conversation for the 3rd time in one phone call I just hung up. When I get caught up I'll be glad to pay them off but I will not sacrifice something else in order to reward the nasty, bullying, and downright dishonorable methods they use to collect debts. Times are tough financially and I will put people who can treat others with some shred of dignity and decency before those who are nothing more than bottomfeeders. I will also not purchase anything from any company that uses WFNNB for credit.

I have been harassed by them for some time. 3 times today. Paid visit to here office today.
Didn't get by security. They are part of a huge company Alliance Data. Stock symbol ADS
Would like to join forces to fight this company.

Reply = Anonymous Grandma;
Does anyone out there know if World Financial Network National Bank is behind the credit cards I recently applied for from Bealls (in Florida) and Kohl"s Department stores all over the US? As the Privacy Statement they sent me with the 800 number to opt out asked for my social security number, I assumed it was some kind of scamming company. But maybe my getting credit cards from one or both of the afore mentioned stores triggered it.

I have an Avenue credit card through this bank. So far no problems with the bank unless they are involved with the Account Assure rip off. They are also all over the web and I just received my letter saying that I have enrolled in the protection plan for my credit card. I specifically said I did not want any protection plans. I see that there are problems with this all over the internet. I intend to call Monday and cancel altho from what I've read tonight, they tell you you are cancelled and then keep billing you. So I will cancel my credit card and tell them why, and I will notify the store and tell them I don't appreciate getting screwed and will not be shopping in their store any more. And last I intend to have a little talk with the salesgirl that filled out the information for my credit card.
This is a major rip off.

My daughter and I have a credit card with Victoria Secret's that was issued from WFNNB and they are legit, they also issue cards for Maurice's, Buckle, Abercrombie & Fitch, and probably other stores. I'm just letting you know that this one is legit. We pay our Victoria Secret bill. My daughter is signed up with lifelock and they report correctly to the credit bureau no problems.

World Financial Network National Bank
Handles Lane Bryant accounts credit services for them. We just canceled the credit card. I would not advise anyone to use the.

I opened a Bealls Outlet credit card in May(sponsored by WFNNB), charged articles. My first statement was fine but I was informed I would have to turn over to paperless statements. BIG MISTAKE!! The next month I never received my email statement. Charged more articles, figuring all was fine.The month following I did receive the email statement with $21 late fee.I fought it and they removed late fee of $20 claiming $1 processing fee-whatever. Paid my normal balance and they received it.I just received this month's email statement and another $21 late fee is on there for me NOT paying the previous late fee and they lowered my credit limit to $100!!Also, my phone has been ringing off the hook from several locations in different states that WFNNB has representation. What should I do?I hate to risk my credit standing for $21, but my husband says once they have you on the hook they will keep billing and billing for the $21/mo.That is part of their scam!

@Chen

It is probably the collection department of the company. Your Daugther is hiding something from you. She probably did not pay her credit card or financing. The reason they won't give you any information is because there is a LAW that forbids them to give info on a person to a third party unless having written authorisation or a copy showing you have power of attorney. Tell your daughter to call them and listen to the conversation. YOUR DAUGTHER IS HIDING STUFF FROM YOU.

If her daughter is an adult, it's none of her mother's business. Her daughter can hide whatever the heck she wants. It's not her mother's place to have her daughter call the company and listen in on the conversation either. WTF?

The first computerized question they asked was what my social security number is - are they insane!
BEWARE!

I just got a letter in the mail from these guys advising me that they had rejected a credit application I had never made, for a New York and Company credit card. I called a few numbers for New York and Co. and was finally given some numbers for the World Financial Network National Bank. These are listed below in case it helps someone else.

Fraud Dept: (800) 888-1726 (don't give them your soc. sec. number - I just typed in 9 arbitrary digits)
New York & Co Corporate HQ: (got this off their Yahoo Finance page)
450 West 33rd Street, 5th Floor, New York, NY 10001
Phone: 212-884-2000

-HTH

they are supposedly a crooked bank that backs or finances beals peebles and the other stores in that chain about 5-6 others they probably do many others , but only sure of the mentioned out fits but my g/f cancelled her peebles card,mos ago it had life insurance case u go to happy fishing lake,they still get their money but AFTER CANCELLATION they still billed for several mos ins several dollars a mo ,{note on a cancelled account}got to $19.99 today she got a letter they were going or did to the three major credit bureau's who ever that may be===SO BEWARE OF THEM AND THEIR AFFILLIATES L.J.B.