World Financial Network National Bank – Are consumers complaining?

By Good Nelly

Ask Nelly

World Financial Network National Bank is the credit card banking subsidiary of Alliance Data Systems Corporation. It is based in Columbus, Ohio. The company issues credit cards with its affiliate, World Financial Capital Bank. Read on to learn about consumers' experiences with this company.

Consumers' complaints against World Financial Network

Several consumers have complained against this company in the DebtCC forums. Here's what they have said about World Financial Network National Bank.

• Fraudulent approvals: Consumers suspect that the company makes fraudulent credit approvals. They say that the company offers credit card accounts even when consumers have just been hit with a negative entry on their credit reports. Learn more...
• Harassing those without an account: The company is said to harass consumers having no credit accounts with them. Instead of calling the actual debtor, World Financial Network National Banks calls wrong numbers and harasses people for payment. They even call consumers at odd hours of the day and inquire about unknown persons and their contact numbers. Find out more...
  
  To tackle the creditor, consumers now maintain a record of their calls. They feel that the only way to tackle the company is to identify their calls and keep talking to them without using profanity, unless they hang up the phone.
• Sending automated request for Social Security number (SSN): One consumer reports that he has received voicemail from the company asking for a payment. When he called back, the recording asked for his Social Security Number (SSN). He hung up the phone instantly, but a few days later a company representative called and insisted that he make a payment over the phone with the consumer's American Express card. The consumer hung up the phone but he later on verified with American Express that they had no dealings with World Financial Network National Bank. Learn more...
• Sending mails with privacy statements: World Financial Network National Bank (WFNNB) often mails privacy statements to those who do not even have an account with them. They even send letters to non-customers requesting them to provide information on their accounts with WFNNB. Learn more...
• Unauthorized withdrawal: Customers have complained that the company makes unauthorized withdrawals from their checking accounts. Find out more...
• Insisting that payments be sent by phone: Customers complain that the company intentionally asks debtors to send in their payments by phone and not by mail. That's because the company can earn additional $10 or more through phone payment. Find out more...
• Not responding to customer calls: The company calls individuals repeatedly, especially at their workplace and asks them to call a toll free number. Once a customer calls the number, he receives an automated message repeatedly asking for a nine digit account number he doesn't have, and cannot get in touch with a live person. Learn more...

Positive feedback about the company

In spite of so many complaints against World Financial Network National Bank, the company has received some good feedback as well. For instance, a customer has an account with the company through a store named Dressbarn. He receives statements from the store but makes checks payable to WFNNB-Dressbarn. He doesn't mail the payments, but he pays at the store directly. Once he did forget to make a payment on time and called the company to find out what to do. However, the representative at the company seemed very gracious and he even waived off the late fee.

How to contact World Financial Network National Bank

If you have an account with the company and need to dispute payments or if you're looking to negotiate an alternative payment plan, contact the company at the following address and phone/Toll Free number:
3100 Easton Square Place
Columbus, OH 43219
United States

Phone number: 614-729-4000 or 614-755-3175
Toll Free: 1-800-695-7444