World Financial Network National Bank – Are consumers complaining?

I have a victoria secret credit card through wfnnb and i was three days late on my payment because of the way my checks ran for the month. they called me eleven times in one day and after the eleventh time of answering the phone and telling them the same thing i got a very rude lady on the phone. She proceeded to tell me to stop being such an f**king deadbeat and pay my bill. to which i just blew up on her.

It's not enough that WFNNB are harassing these poor people at home, but are doing it on this thread, as well. Do you really think this is ethical business practices (never mind illegal)? You do know it is a serious offense to cyberbully anyone these days. Not a smart move on your part. I've come to realize smart and WFNNB will never be synonymous. By the way, it is "Were", not "Where"........

Keep a call log of ALL incoming annoying, bothering, harassing, intimidating, threatening telephone calls from WFNNB, then fill out and send in the telephone call log to the Ian "Lyngklip Consumer Law Firm", and let them handle it from there.

Myself and my wife are both 68, both retired 10 years ago, and neither one of us have ever had a personal loan or credit card account with Victoria Secret or any other bank associated with WFNNB.

First call from WFNNB received on Monday, December 26th, 2011 at 8:01 am, and up to 3, 4, 5, calls per day, 7 days a week ever since, up to and including Friday, January 6th, 2012.

Exact total number of calls from WFNNB since December 26th is 27 and counting.

NO letters or notices received in the mail, just telephone calls only.

ALL telephone calls have gone to voice mail, with NOT ONE voice message.

Caller identification numbers are 614-212-7500, followed by 614-212-7506, 614-212-7551, 614-212-7561, 303-255-5145.

Caller identification names are WFNNB, ADS, WRLD FN NTWK BK, WRLD FIN BANK.

Ever heard of identity theft? Maybe they have the wrong number? Human error keying in phone numbers does occur. Maybe if you pick up the phone and tell them they have the wrong number or write to them directly? WFNNB is not a collection agency....so the FDCPA does not apply. As far as I see, there are absolutely no violations.

FYI....WFNNB is not just victoria secret. They also issue cards for Ann Taylor, Spiegel, Gander Mountain, Pottery Barn, Crate and Barrel, Bealls Florida and many other upscale stores.

We have had a terrible time with World Financial Network Bank. We feel they are totally unreasonable. Were currently locking them into a law suite over the way we feel they have treated us. I saw something on the Federal Trade Commissions website about receiving a $1,000.00 plus the cost of the attorney if World Financial Network Bank is found in the wrong . We've sent a certified letter to this bank requesting that the bank use common sense and try to understand their mistake is their mistake and we feel its lead to us being harassed by this company. Does any one have any experience with the $1,000.00 deal and how it works, Are we locked into the $1,000.00 as a limit or can we side step that limit and sue for more. Also what sum of money should a person ask for each phone call made to us from this bank after we've informed them of their mistake. I'm thinking a $100 to $200 per phone call to us by World Financial Network Bank for mental anguish etc.

WFNNB is the creditor, not a collection agency and you cannot use the FDCPA to sue them. So thinking a law suit (not SUITE) is a total waste of time. Being unreasonable is not grounds for a law suit. You have a card holder agreement that you signed. Calling and asking you to pay or demanding the balance, is not harassment.

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Its clearly obvious that Soaplady is World Financial Network Bank, and is on here clearly harassing other posters trying to discus a problem. But I take it sosplady your saying were not obligated to the $1,000.00 limit.
Does anyone else know anything about where the law suite must be filed. (suit,suite) I'll spell it anyway I want to, we're on a discussion board not a court room YET.
This appears to be intimidation by soaplady aka World Financial Network Bank. To the posters dont let World Financial Network Bank intimidate you into not getting information about this bank out to the rest of us. Together we can make a difference about this banks questionable billing tactics.

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Clearly obvious? You came here for help....I explained the law. Obviously you don't like what you are hearing. .You should also read your terms of service on attacking members of this board
The $1000 rule applys to collection agencies collecting a debt...read the FDCPA. WFNNB is the original creditor.

A Suite is
a. A group of related things intended to be used together; a set.
b. also (st) A set of matching furniture: a dining room suite.
c. a piece of music

Suit..5. Law A court proceeding to recover a right or claim.

Unless you can spell or have a basic understanding of the laws pertaining to debts, you will waste a ton of money filing any action and get laughed out of court.


Again, any further attacks, you will be banned.

I can assure you SoapLady doesn't work for WFNNB. The advice she gave you is sound. She has over 12,000 posts. You may have noticed that if you'd taken the time to look.

That $1000 that you read about on the FTC site applies to third party collectors not to your original creditor.

If you really want to get ballsy, you could try to sue them for harassment. I can tell you though that most judges will find in the creditor's favor because they won't view WFNNB's trying to collect on a debt that's owed to them as harassment.

By the way, it's World Financial Network National Bank.

You assume the debt is owed and your defending this bank when you know nothing of the details of this case.
I would like to say thanks to DELETED PM. And thanks to the creators of this website, its very helpful and informative.
Again if anyone else has information about questionable billing practices involving this bank please do not be intimidated into not sharing that info with us by this bank or any of its supporters. Because together we can make a difference.

DELETED PM may be of some help. I don't know anything about this site but you may want to check it out. Just trying to be helpful.

You obviously cannot read. I did NOT defend the bank. I simply stated that you were trying to sue a party with the wrong set of laws. I also pointed out basic law...

I've not assumed anything. You asked about the "FTC $1000 thing" and I answered your question.

Since it was clear you misunderstood the purpose of the FDCPA (that's the FTC $1000 thing you were talking about), I gave you an alternate suggestion regarding suing for harassment and my opinion based on my knowledge of how those types of cases usually go.

You made accusations about SoapLady working for WFNNB and I corrected your misinformation.

You've not given us any details regarding the specifics of your situation so, I'm not sure how you think we can help you if you've not told us what the problem is.

We're here to help you but we can't very well do that if you don't tell us what you need.

they posted that it was a billing issue.well if they have proof of that contact the proper department and sort it out(i'm guessing the billing dept).now as for your knowledge(or lack of)in regards to the FDCPA and those huckster law sites(hope you saved them because i deleted them)go ahead try and sue.the only lawyer who would take that and sue is a huckster that will take your money,and shrug their shoulders when you lose.until there are actual reforms with teeth in regards to credit cards and creditors like this.you either follow their rules.learn which dept to dispute an issue,or come on here and make a fool of yourself.you will lose if you try to sue them bottomline.

We have been trying to solve a problem with Roman's for over a year.

My wife ordered a dress in May of 2011 and it came in the beginning of June. June 14th we returned the dress and called to see if they received it so we could get the charges reversed. We were informed to send the dress back with the same freight company the company uses.

We then did not receive any calls, or statements from Roman's for over 6-months. Then in February or March we received a statement for $194.15 which is for late fees for the $10-$12 for the returned freight on the dress + late fees.

When I called World Financial Network Bank, they told me to send a dispute letter which went out on March 16th.

Now they tell me they will not do anything, and when calling I can not get a hold of a real manager.

They are a total rip-off, unethical, and will not discuss a $48.00 dress being returned so they can get almost $200.00

Personal information deleted per Terms of Service. ~OG