World Financial Network National Bank – Are consumers complaining?

We had a similar problem. We didn't receive an electronic statement but the paper statement had been cut off. They tried to charge late fees and, quite frankly, could not have cared less about the problem, much less apologize for their mistake. Go figure.

I was informed last week that Brownstone is listed on my credit report from last year that I had a late charge and that I should request it be taken off. I knew nothing about this. I was in a car accident in December and was off for 7 weeks, that last four in which I had no income as I had been placed on leave of absence. I am playing catch up now and want late charges removed. How do I do this?

Name: World Financial Network National Bank
Phone: (800) 675-5685
Fax: (614) 729-3763
Address: 4590 East Broad Street

Columbus, OH 43213
Google Map
Website: alliancedata.com
Original Business Start Date: May 1989
New Owner Date: January 1996
Principal: Ms. Robin Wooton, Consumer Relations Manager
Customer Contact: Ms. Robin Wooton, Consumer Relations Manager
Type of Business: Credit Cards & Plans, Banks
BBB Accreditation: World Financial Network National Bank is a BBB Accredited business.
Additional DBA Names: Limited (credit Card Billing Issues)
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WFNNB
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Mr. Dan Groomes - President
Mr. John Alatsis - Director of Sales & Service
Mr. Christopher Judge - Vice President of Operations

Some of the company contact information and principals of this firm, World Financial Network National Bank (WFNNB), are also principals World Financial Capital Bank (WFCB). The BBB maintains separate reports on WFCB and WFNNB.

Please note that World Financial Network National Bank and World Financial Capital Bank are both wholly owned subsidiaries of Alliance Data which is headquartered in Dallas, TX. BBB maintains a separate report on Alliance Data headquartered in Dallas, TX.

BBB processed a total of 1732 complaints about World Financial Network National Bank in the last 36 months, our standard reporting period. Of the total of 1732 complaints closed in 36 months, 669 were closed in the last year.
These complaints concerned :
3 regarding Issue Not Defined



5 regarding Advertising Issues
1 - Advertisement did not disclose all conditions required to take advantage of an offer
2 - Advertisement misrepresented a service
1 - False or unsubstantiated claims in advertisement
1 - None of the Above - Advertising Complaint Issue


1499 regarding Billing or Collection Issues
490 - Failure to correct billing errors
63 - Failure to provide itemized billing as requested
69 - Failure to substantiate charges
194 - Improper collection practices
475 - None of the Above - Credit, Billing or Collection Complaint Issue
15 - Unauthorized bank debits
193 - Unauthorized credit card charges


39 regarding Contract Issues
7 - Failure to honor a contract or agreement
4 - Invalid or false contract
22 - None of the Above - Contract Complaint Issue
6 - Unauthorized changes to the contract or agreement


102 regarding Customer Service Issues
19 - Failure to provide promised assistance or support for products or services
14 - Failure to respond to phone calls or written requests for assistance or support
28 - Inappropriate behavior by customer service personnel
41 - None of the Above - Customer Service Complaint Issue


7 regarding Delivery Issues
4 - Non-delivery of products
3 - None of the Above - Delivery Complaint Issue


2 regarding Guarantee or Warranty Issues
1 - Failure to honor service under the terms of warranties
1 - None of the Above - Guarantee or Warranty Complaint Issue


2 regarding Product Issues
1 - Defective, damaged, or incorrect product received
1 - None of the Above - Product Quality Complaint Issue


35 regarding Refund or Exchange Issues
13 - Failure to honor promised refunds, exchanges, or credit
7 - Failure to honor refund, exchange or credit policies
15 - None of the Above - Refund or Exchange Complaint Issue


23 regarding Sales Practice Issues
11 - None of the Above - Sales Complaint Issue
1 - Sales presentation did not disclose complete pricing information
2 - Sales presentation did not disclose key conditions of the offer
1 - Sales presentation not consistent with advertisement
7 - Sales presentation used dishonest sales practices
1 - Sales presentation used high pressure methods


15 regarding Service Issues
4 - Improper or inferior service
8 - None of the Above - Service Complaint Issue
3 - Unauthorized service



These complaints were closed as:
1594 Resolved
697 - Company resolved the complaint issues. The consumer acknowledged acceptance to BBB.
886 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to BBB.
1 - Company offered a partial (less than 100%) settlement which the consumer accepted.
10 - Company offered a partial (less than 100%) settlement which the consumer failed to acknowledge acceptance to BBB.


136 Administratively Closed
80 - BBB determined that despite the company's reasonable effort to address complaint issues, the consumer remained dissatisfied.
35 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer.
16 - BBB determined the company provided proper verification that indicated there was no obligation to resolve the issues of the complaint.
5 - BBB determined that while the company addressed the complaint issues, the complainant was dissatisfied and the matter was outside BBB Rules of Arbitration.


1 Unresolved
1 - Company failed to resolve the complaint issues through BBB voluntary and self-regulatory process.


1 Unpursuable
1 - Company cannot be located.

Hello, I have a qustion?. I am military, last July I purchased a dress from LewMagram. I did not like it so I returned it within 3 weeks. No bill at the time. I leave and am not at old adress nor number. I assumed no bill because I returned the dress within 3 weeks of receiving it. I get a call at my parents house this past 31 March 2010. I called and I am told that even though, I returned it, they have no priif that I did and that it is too late to do anything. I have to pay the full amount. I don't mind paying for dress, even though I returned it, but the fee's are 4 times the amount of item. what is my next option. Help is appreciated.

And Lane Bryant which they just acquired and totally ruined.

Hey, I just found these guys on my credit report that I'm working so hard on.
They've dinged by credit, simply by checking it. They've done this without
our permission, and we've never even heard of them, so frankly this is a little
scary. I don't know if this is some fraudulent thing or not....
if you know of anything, I'm interested. From what I just read from you thread,
it sounds like I might have reason to find out what's going on...
Thanks

I had someone steal and use my social, and the first thing I was told when I filed a police report is no one should ever ask you for your full social security over the phone. They may ask you for the last four digits for verification, but even then, if you are not comfortable with that you can do other verification methods.

I reported them to the Better Business Bureau. They are the bank for The Company Store, an online mail-order business. They claimed they sent me electronic invoicies (I didn't), and a myriad of other lies after my account went into collections because their bank would not accept my Chase electronic payment. It's a long story, but the bottom line is that I was trying to send them money, not refusing to pay, and the ineptitude and downright stupidity of their incompetant customer service people caused my credit rating to be damaged. I sent them $150 as opposed to a $14 minimum, then no invoices for two months, so I figured it was because I sent so much money the first time, then I get a call saying my account is 60 days past due. I asked why didn't you call me to let me know 30 days ago? Where are my invoices? No answer. I'm on the verge of a class-action lawsuit against these people.

Report them to the Better Business Bureau like I did. They are a poorly-run and from what I gather, shady operation that harasses people and provides crap customer service. Here is their email address: info@columbus-ohbbb.org I strongly urge anyone who has had a problem with this bank to write to the BBB and complain like I did. They filed my complaint and I'm waiting to hear back. I'll keep you posted.

Same thing happened to me. I reported them to the Better Business Bureau. They are thieves. I think we should file a class-action law suit against them. And I'm not kidding.

I just looked up the World Financial Network National Bank's rating by the Better Business Bureau, with whom I filed a complaint. Here is their rating for this bank, and this is taken directly from their website: Based on BBB files, World Financial Capital Bank has a BBB Rating of A+ on a scale from A+ to F. That explains a lot. I can see how far my complaint is going to get me. I swear to God I'm ready to sue.

So get this. I have not had a bill since I paid off my account in January. But heres the thing, SOMEHOW, I was signed up for some kind of third party service which was charged in March. No-one can tell me how this charge got on my account. The bank refuses to do a fraud investigation because they have an agreement with this service that they will not question their charges ON ANYONES ACCOUNT. So, this third party can charge ANYONE without the company filing fraud against them. How convenient is that. Then, because I know I have not charged anything on the account, I have not been looking for any ebill from them. I get 60-100 emails /day so unless I'm looking some things are immediately deleted. So. I don't see a bill for Three months. Now I have three months of Late payment fees on a charge I did not authorize!!!!. The bank refuses to do anything about it saying its not their fault. The third party payer won't do anything because they already got their money.
STAY AWAY FROM THIS BANK. FRAUD, FRAUD, FRAUD.

This is the regulations, If your account has been noted as an uncollectable account in the
state of NC, then no offer can be made by the collection company. What ever the person who owns the account offers is what they have to accept as offer in full. The account has to be marked settlement offer and zero balance owed on your credit report, New federal law for NC residents. Also, if the account is not reported after two years and reinstated on your report, by the same term of the law the account has to be deleted if it is also an uncollectable account....

I know what you mean! 2 days after I payed them $200 online they took another $400 out. I had no clue I got late fees at my bank. I'm trying to plan my sister's bridal shower its hard when you got no money.

This is a perfect example of how WFNNB treats their customers!

They have debited my account and I have no attachments to them. The name on my statement is world financial bank of ghanna. So if anyone has any info on that um open to suggestions