World Financial Network National Bank - Are consumers complaining?

First off, World Financial Network National Bank adhears to all federal and state laws. The bank itself is regualarly audited by the U.S. Gevernment to ensure laws are follwed.

People who claim they were scammed are, for lack of a better word, stupid. WFNNB's internal collections department is ran off an automated dialing system that, depending on the time of day calls specific numbers, whether its a home, business or cell phone. Federal law currently does not set a limit of the number of times a call can be placed to someone who has an account past due. The dialer uses out-going numbers only from specific states that the calls are generated. Numbers are provided on the statement for collections, the indivual client's customer service(Express, The Limited Victoria's Secret etc.) as well as the payment and customer service mailing address.

While on the topic of statments, a lot of people think WFNNB scam them by sending them late or not at all. This is not the case. Statements are sent every month when the account bills, just like every credit card company. However, and this is imortant, so read carefully! WFNNB does NOT, again, WFNNB does NOT send statements. Statements are sent by the client themselves, ie., Express and Victoria's Secret. Also, the paticular clients are not the postal service, they have no control of the mail. You as an account holder are responsible for payments every month whether a statement is received as you are aware of holding a balance with the card. See your credit card agreement you are supposed to read before accepting.

Now onto the subject of late fee's. Late fee's, as with every credit card company, well ever, are assessed whenever a payment is missed. Once again see your credit card agreement YOU signed. Niether WFNNB or the client is under no obligation to waive or credit any late fee's. Only under special circumstances, for example return mail on the account. Now of course if there is a mistake on behalf of either company then LFs are credited back. Now onto e-statements. No one at either WFNNB or the client just randomly decides to sign an account holder up on web statements. Account holders have a habit of setting up an online account and select to receive e-statements without realizing it. Then they like to blame it on the company for some reason. Now ask yourself, does that sound right?

Moving on. Third Parties. Third parties are companies client's allow to solicit business to their account holders. 90 percent of the time account holders agree to the solicitation with out reading what they are agreeing to (sound familiar statement complainers?) The matter should be taken up with the individual third party and not WFNNB or the client as the third party will notify both companies and then they will clear any fees depending on the siutation.

There is a lot more information that I can give and I will be returning from time to time to answer any questions and misconceptions people have regarding WFNNB.

I have never heard any collector sending out statements. It is usually up to the debtor to act in a proactively responsible manner.

*If* the collector does break the law (some do) then talking about it anonymously on a public forum does no good at all, the proper complaints need to be filed. And the Federal trade Commission, in their annual report to Congress on the complaint system, does say that many of the complaints it receives are actually not against the law at all. One of the complaints they specifically mentioned was that collection account tradelines were not being removed from the credit report after paying the collector. Which they won't be, until the SOL is passed.

Got a notice in the mail and When calling the 800 number to opt to be taken off their list, they ask for an account number?? don't have don't know and then they ask if you don't have an account number they ask for your nine digit SS number to which I hung up. They are a fraud and be cautious. No one should ask for your SS number over the phone.

Mail them a Cease and Desist letter.

I missed one payment and the calls started two to three times a day. I was told by one lady to pawn my jewelery I had purchased from Friedman's (they had some deal with them for credit card) and when I asked where can I take my jewelery to be fixed I was told to make a payment and she would tell me. Friedman's closed a year ago declared bankruptcy so I'm sure they got paid already. No need to press one for english.

I tried to settle with them and they said no they wanted the full amount. And after agreeing to send half on the first and the rest on the 15th I got two phone calls asking for a post dated check for the first. Today is the 29th.

World Financial Network National Bank called my personal cell phone today from a 614 (Columbus, OH) # asking for my mom! I'm an adult with a family and my mom has never used my cell # or even been on a cell phone plan with me. The lady identified herself with the bank but I don't think she left a name. She asked me to have my mom call her at 1 800 323 9135 ext 6345. Last month I got similar calls from California, but I never let them get any farther than asking for my mom. I just told them they had the wrong number. This time, since it was a Columbus #, closer to where I live, I got curious.

[QUOTE=Anonymous;339971]214 area code is Ohio.
I am building a case against World Financial Network National Bank. If you have complaints against this bank, please call me. [color=Red][/color]Phone number removed for your safety Bossy4455[color=Red][/color][/QUOTE]
Correction. 214 area code is in fact Dallas, not Ohio.

Quote:

I just contacted billing for Blair corp whose billing is handled via World Financial to settle a bill for my 86 year old mother they will not discuss the bill with me even though I wanted to send a Power of Attorney by FAX. They continue to charge late fees & interest while they wait to receive it.They said it was not their policy to accept the POA unless mailed??????this is how they treat clients & their clients customers whom they collect for...very unusual...let's get the banks cleaned up & Blair too!

hey I got a letter from them for a returned check from a credit card and I'm tring to clear it up but I can't reach anyone and even the credit card company has no Idea.

I keep getting phone calls and asked to call a toll free no. 1-800-888-9265 but when I call that no. I get an automated system and I am asked to give a nine digit account no. but I have no idea what they're talking about and I never get a chance to talk customer service, because they just keep repeating the same message. What can I do to stop this, they always call during the day while I am work so I never get to answer the call.

I have been getting phone calls for a couple of months and when I call the 1-800-888-9265 all I get is an automated system I am asked to give my 9 digit account no. but I have no idea what they're talking about and this message just keeps repeating and I wait to talk to a customer service representative no one ever gets on the phone and they always call while I am at work so I can never get the call personally please tell me what I can do?

Quote:

For five years, when I moved into my house, I was harassed by all kinds of bill collectors because I inherited a number that belonged to someone who defaulted. It was aggravating, because they did not beleive that I did not know the person they were looking for. Eventually, it got so bad, I had to find out my rights, and threaten to sue. They stopped after that.

Collection agencies are scum bags. They rarely follow the law and they prey on people's ignorance. They do not care who they are talking to. My brother is the biggest dead beat, but some how he keeps getting credit card offers and taking them. My poor parents, they get these calls and have been getting them for 20 years!!

I know me personally, I would never talk to any one over the phone in this regard. If they really want something, they will sue me and have me served. Then, I will show up to court with my attorney and have them handle everything.

I agree TMftwiz, there is a lot of mis information on this board.

Get this book, and read it.. from what I am hearing, so many laws have been violated, that you can end up on top

Debtors Rights, by Gudrum Maria Nickel, Arrtoney at Law

I used this book numerous times.

These people are hounding me with several phone calls a day and asking for a person who does not & never has lived here. I've told them that several times. They asked for that person's number, but how can I know some unknown person's number? Still, they call, at 8 a.m. & again at 5 p.m. and 8 p.m. I do not know how I can get them to quit.

Send them a Cease & Desist letter, Certified Mail, return receipt Requested. If they call you again after you get back the green card, sue them and collect your $1,000. In the meantime, file a complaint with the FTC, the FCC, the Bureau of Consumer Affairs, your State Attorney General, etc.

They can only get away with it if you let them.

The World Financial Network National Bank is extemly shady in alot of differnt ways. I cant believe some of the stuff they do



Quote:

while i was going through my own settlement (which was bad enough) i got calls also all day for my dad. it was bad enough getting my own considering our names are different im not sure how they got my number but i told them that it was the wrong number and this lady actually argued with me one day. but it eventually did stop

Okay. I have never heard of this bank either. but in the mail, i recieved a customer privacy statement. they have a number on the paper. it is 1-800-220-1181. ihaven't tried calling it myself yet.

[QUOTE=Anonymous;339971]214 area code is Ohio.
I am building a case against World Financial Network National Bank. If you have complaints against this bank, please call me. [color=Red][/color]Phone number removed for your safety Bossy4455[color=Red][/color][/QUOTE]
i have the same call me at 718-258-1926 day time . meir

I'm also having problems with World Financial Network National Bank. They use very unethical practices if not illegal ones. I have filed a complaint with the FTC. Please, everyone who thinks their rights have been violated by this company, file a complaint too. They won't investigate until they have enough complaints. Don't let them get away with what they're doing!!

This is a legitimate company. Look it up, people. It only took a moment to find all kinds of info on them - including who they underwrite credit cards for.

I have an account with WFNNB through Dressbarn. I get the statments from Dressbarn and they ask me to make checks payable to WFNNB-Dressbarn. I don't ever mail in payments, I go into the store to pay (I also don't pay by check). There have been times when I didn't get statements because of a post office mess up, but I just go into the store and they can pull up my account. Once I forgot to make a payment on time and when I called WFNNB to see what I could do, they were very gracious. They waived the late fee and let me pay. I haven't had any problems with them.

The only thing I don't like is that they want your SSN if you don't have your account number. Better make sure you have it handy when you call!

File a complaint with the Department of Treasury/ Office of the Comptroller of the Currency. These bastards are a "national bank" and fall under DOT/OCC domain as well as FTC. File a complaint with the Ohio BBB as well since the company is HQ'd there. They violate FCDA/FCRA left and right. These agencies need to know about.

They actually need tosend bills first. You need to "look-up" this company. They are known for violating the FCRA. You were luck.

Quote:

Everyone that has a credit card from the clothing store called "Avenue" should look at the back of their statement near the bottom above where it says "New information." You will find that Avenue is somehow connected with WFNNB.

Quote:

I GOT ONE TOO.
The best information I could find (I have no credit cards with the World Financial Network National Bank). The best I can think of is an old card I used once with the Limited. I've also seen Victoria's Secret associated, Ann Taylor, and a few others. If you read through that statement, you have to object in writing to a number of specific things in there- my life is too short to read the entire thing but it includes a dollar fee for every paper bill they send you, agreement to arbitration, consent to information sharing, relinquishment of your first born child, etc.

A letter has to be sent within thirty days of something (what? I have no postmark on my bulk mail). Anyway, every person on the account must sign a letter refusing any or all of it and if you want a contact person, the man ultimately responsible is:

Ivan Szeftel ??? Executive VP & President, Retail Credit ServicesI believe he's at:
17655 Waterview Parkway
Dallas, TX 75252

which is the address for Alliance Data Systems, Inc., the parent company of World Financial Network National Bank.

Incidentally, he's said to be 55 and receive $475,000 salary and $75,560 in bonus, though I'm unsure what year that information is for.
(NICE!)

Just received a notice of "change of terms" on my "Maurices Credit Card." Addressed to me personally. Look scum suckers, I do not, and, never have had such a card in my life. I have never had any dealings with your organization. I have 3 credit cards with major banks all paid up in full every month. I do not have any store cards. So go and take a jump.

Recently I received a notice from WFNNB stating that they became the new creditor on my Fashion Bug Credit Card account. I had a FB Credit card years ago, never used it and shredded the card a long time ago. Three foot long paper notice with tiny print describing terms and agreements which included: "If you do not comply with your obligations under this agreement, you agree to pay all attorney fees, collection costs, court costs, that we incur."
Very threatening. They also wrote that they may disclose information about me to basically anyone that they want to including my insurance company, non profit organizations, retailers, direct marketers, publisher, etc. They wrote that if I wanted to cancel my credit card, I would have to cut it in pieces and then send the pieces to them with a letter telling them why I wanted to cancel.
So I called the numbers on the paper for customer service. Before I could speak to anyone, I was asked for my social security number.
Another number just takes you around in circles.
So, I called Fashion Bug customer service. Again they asked for my social security number. Hung up. Then, I called fashion bug number for placing an order. I told the man that I was not placing an order and that I just wanted to cancel a credit card. He asked for the last 4 digits of S.S. no. Then transferred me to someone who canceled the account.
Then got a message on my voice machine home phone. someone from WFNNB telling me that they are returning my call ?????? I called them back spoke to someone and told them off. Asked why they did not have a website, yet there were other WS devoted to complaints about them, etc. Extremely rude ignorant idot goes on to defend the bank acting like she knew it all. Tried to tell me the laws, etc. I could go on but I have already written a book on here.

[FONT=arial][SIZE=2][COLOR=black][FONT=arial][SIZE=2][COLOR=black][FONT=arial][SIZE=2][COLOR=black][SIZE=2]Poster of "Don't be Dumb" - YOU ARE A COMPLETE MORON, BEYOND IGNORANT.

Recently I received a notice from WFNNB stating that they became the new creditor on my Fashion Bug Credit Card account. I had a FB Credit card years ago, never used it and shredded the card a long time ago. Three foot long paper notice with tiny print describing terms and agreements which included: "If you do not comply with your obligations under this agreement, you agree to pay all attorney fees, collection costs, court costs, that we incur."

Very threatening. They also wrote that they may disclose information about me to basically anyone that they want to including my insurance company, non profit organizations, retailers, direct marketers, publisher, etc. They wrote that if I wanted to cancel my credit card, I would have to cut it in pieces and then send the pieces to them with a letter telling them why I wanted to cancel.

So I called the numbers on the paper for customer service. Before I could speak to anyone, I was asked for my social security number.
Another number just takes you around in circles.
So, I called Fashion Bug customer service. Again they asked for my social security number. Hung up. Then, I called fashion bug number for placing an order. I told the man that I was not placing an order and that I just wanted to cancel a credit card. He asked for the last 4 digits of S.S. no. Then transferred me to someone who canceled the account.

Then got a message on my voice machine home phone. someone from WFNNB telling me that they are returning my call ?????? I called them back spoke to someone and told them off. Asked why they did not have a website, yet there were other WS devoted to complaints about them, etc. Extremely rude ignorant idot goes on to defend the bank acting like she knew it all. Tried to tell me the laws, etc. I could go on but I have already written a book on here.[/SIZE][/COLOR][/SIZE][/FONT][/COLOR][/SIZE][/FONT][/COLOR][/SIZE][/FONT]

[FONT=arial][SIZE=2][COLOR=black][FONT=arial][SIZE=2][COLOR=black][FONT=arial][SIZE=2][COLOR=black][FONT=arial][SIZE=2][COLOR=black][SIZE=2]"Don't be Dumb" poster- You are a MORON, BEYOND IGNORANT

Recently I received a notice from WFNNB stating that they became the new creditor on my Fashion Bug Credit Card account. I had a FB Credit card years ago, never used it and shredded the card a long time ago. Three foot long paper notice with tiny print describing terms and agreements which included: "If you do not comply with your obligations under this agreement, you agree to pay all attorney fees, collection costs, court costs, that we incur."

Very threatening. They also wrote that they may disclose information about me to basically anyone that they want to including my insurance company, non profit organizations, retailers, direct marketers, publisher, etc. They wrote that if I wanted to cancel my credit card, I would have to cut it in pieces and then send the pieces to them with a letter telling them why I wanted to cancel.

So I called the numbers on the paper for customer service. Before I could speak to anyone, I was asked for my social security number.
Another number just takes you around in circles.
So, I called Fashion Bug customer service. Again they asked for my social security number. Hung up. Then, I called fashion bug number for placing an order. I told the man that I was not placing an order and that I just wanted to cancel a credit card. He asked for the last 4 digits of S.S. no. Then transferred me to someone who canceled the account.

Then got a message on my voice machine home phone. someone from WFNNB telling me that they are returning my call ?????? I called them back spoke to someone and told them off. Asked why they did not have a website, yet there were other WS devoted to complaints about them, etc. Extremely rude ignorant idot goes on to defend the bank acting like she knew it all. Tried to tell me the laws, etc. I could go on but I have already written a book on here.[/SIZE][/COLOR][/SIZE][/FONT][/COLOR][/SIZE][/FONT][/COLOR][/SIZE][/FONT][/COLOR][/SIZE][/FONT]

Evidently you carry my account with Catherine's.
Today I received your two long page change to my agreement as a cardholder. Have no interest in reading the changes - just asking a little much, as I am not an attorney - and will cancel my account with my next payment.

im really confused to the last few posts, carol this site doesnt hold accounts? its a debt forum.

I have been attempting to apply for a OneStopPlus VISA. I wonder if your company has started to accept PO boxes? That is all I have at this point. I cannot receive mail at my residence because I have a fence and the post office will not deliver mail because of it.

Thank you!

deborah i think you got the wrong site this is a debt forum

I received notice that you are my new creditor of my Lane Bryant credit card. I would like to cancel that account, but I was never given an actual card by the store. Please advise me and let me know how I can cancel this account. Thank you for your time.
Yours Sincerely,
Mallory Sanderson

CELL PHONE REMOVAL PHONE NUMBER: 1-888-382-1222
This is the National DO NOT CALL list. It blocks your number for five (5) years. You must call from the cell phone number you want to block. You cannot call from a different phone number.

WFNWNB/Columbus Oh are sending mandatory increase in their financial charges (RETROACTIVE!!!)...as follow;
your APR will be a variblerate calculating by adding 21.74% to the value of an index and will have a minimum & max of 24.99% as 10/1/09 ... this increase as per new federal legislation???? Do they have any class act on their way?. They want me to accept their arbitration, I'm unhappy with all this. No time to react!!!!! Thanks for your prompt response regard this I'm Confused

I have recently had trouble with this company. I received numerus calls from them in one week about fifteen to my cell phone, 20 or so at my home some as late as 10pm CST, and then a number of other calls to my place of employment. All basically threatening and harrassing. On the second phone call, I explained to the agent that did not get paid for another week and that as soon as I got my paycheck I intended to go to the store and pay in person, the full amount. She began telling me that I was going to have a large late fee and in order to avoid that I needed to arrange payment that day. Then she also explained that I would have an additional $10 processing fee for doing it by phone. I said I will make the payment in one week but I don't have the money right now. I went basically by what she was telling me and the next morning I checked my statement and I still had 13 days left before the next payment was due. I went by the store the next week and ended up paying all but $20, just because I wanted to see what happened that month when I was about 10 days out from due date. One week after I made the payment the calls started again. I even spoke to the manager of the credit company and he was not helpful and extremely rude, basically turned the whole thing around on me. Saying I should have not told the agent that I would pay that day in the store (which I didn't say that, and I have no idea what she did understand about needing to wait a week for my next paycheck) When the second batch of calls started, I picked up the phone, and when the agent asked for payment, I immediately cut them off and said, that payment is not due til the 4th of Dec (at the time it was the 15th of Nov) and I hung up on them. The next day I went on line to the website like the bill showed I could do and set myself up for online bill pay. I was shocked when I logged on and saw that the $10 processing fee was not a requirement. It specifically shows that it is only applicable if you wish to have the payment credited to your account within 24hrs. This is not disclosed on the phone, they want you to think its mandatory. WFNNB is a fraud. My advice to those with a balance is pay it off! If you need to charge to a card, use VISA AMEX Discover, MC. Something that is ligit.

Pay your damn bills and we wont call you... How simple is that, if you dont have a job get 1... I tell you what this isnt your fault its yours. You guys need to be adults and take respontiblity for your own actions. This forum is ridiculous and most of these THINK its WFNNB & WFCB but we identify ourselves you would know

Is this a MLM company using a pyramid scheme?

There'sthe typical attitude of that whole company.... By the way, ALL of these people aren't looking to avoid paying their bills......some have paid and are still being harassed... some have fallen on hard times and have tried to make arrangements but are met with bullying representatives..... so please keep your rude assumptions to yourself...

:(Your bank recently took over the servicing of my LB account - I had elected electronic statements and pay my bill online - I cannot access my account online any more and due to electronic statements have nothing with my account number on it - so until I receive something in the mail - I guess my account will go unpaid - I am not planning on answering any harrassing phone calls from rude people like you.

Have you heard of this bank charging customers on behalf of metro style clothing an interest rate of 105.9070% and when they were called out on it they said that since there was so little due that is why they were allowed to charged this amount for their annual percentage rate, I think technically they owe me over 5% of their company's earnings the day they sent me the bill and accepted the last payment from me. Let me know what you think

they lost my payoff payment. couldn't find it charged me a late fee & additional interest. requested i redo my online payment and yet again lost it. they waived the late fee, however not the interest. this was three weeks ago and they still have not posted my payment. any suggestions!

yep. mine is lb too. they told me i had to register as a new user to access my account!