World Financial Network National Bank - Are consumers complaining?

BS! My wife and I don't have ANY debt!! Huge Scam!!

Are you by any chance Nigerian?

I have been getting numerous calls from this company demanding payment. They say they represent Blair. I do not have an account with this bank or Blair, and have never had an account with them. They opened an account in my name without my knowledge or approval. They even sent me a Blair credit card which I have never used. They call me from various area codes (614, 913, 303, 415) as many as four times a day. I am writing their president, Edward Heffernan, World Financial Network Bank, 3100 Easton Square Place, Columbus, OH 43219 to stop calling me, and also the Federal Trade Commission, Bureau of Consumer Protection, 600 Pennsylvania Avenue, Washington, DC 20580 or you can go to their website and submit a complaint on-line. They are then required to stop calling.

I am trying to locate the boss of Agent Gaines. Would appreciate a reply.
Thanks

[EMAIL="henrikaplan@verizon.net"][/EMAIL]

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My 80 year old mother has been scammed by World Financial Bank on credit cards for Fashion Bug, Blair, and Dress Barn. They do not supply any information on terms, conditions, or interest rates until you get a bill then there is only the summary on the back. Try and get a copy of the credit card agreement from any of the websites to the companies above or World Financial Bank and you will not find it.
They want require everything by mail and when you call to follow up they cannot confirm receipt and offer to call back, never happens.
Warn everyone not to take our any credit cards connected to World Financial Bank. If you don't believe this try and find out some information about them, good luck.

I understand your comments, but you are missing the point. In your words, it is you that, for lack of a better word, are "stupid". I am getting calls constantly from World Financial Network National Bank. They are not live people. It is a recording asking me to dial a number. When I dial the number is asks for an account number. However, I don't have any accounts with them. Maybe they have the wrong number or someone else fraudulently gave my number. However, I have no way to get in touch with someone to correct their error or even ask about it. The calls have been coming for months at all hours of the day. I am pursuing legal action, but if you are involved in this company, you should be ashamed of yourself and you should correct these policies that are clearly not well though out. There are similar complaints all over the internet.

214 area code is dallas, tx area code. where do you get that it's ohio. i received info by mail and havr no idea what it's about. what's alarming is that they say whether a new customer (i don't think i am) or NO LONGER a customer they continue to share personal financial information. :confused:

WFNNB is an absolute PAIN to deal with. I've been dealing with them since October to get one bill paid off. I just found out today, after several failed payment attempts and late charges, that the person I made the initial payment with over the phone (who barely spoke English, I might add) did not enter in my account information correctly. Thus, every payment I've tried to make failed because no one bothered to change the account information in the system. Yet, somehow, this is MY fault for not asking them to verify that my account information was changed the second time around when the CORRECT information was given to them. After the first failed payment, I was told to file a dispute - WHAT A JOKE. To file a dispute, it's all done through SNAIL MAIL, which is what took so long to resolve the issue (we'll see after today if the payment has actually gone through and the issue resolved). You can't speak to any supervisors, and the ones you can contact prefer correspondence via formal letters through snail mail. The way they do business in the year 2011 is absolutely asinine and archaic. They should be embarrassed.

I have an account with Brylane for yrs. and am almost through paying it off. My checkbook and check card were stolen. I pay Brylane through the internet site who is also WFNNB. My bank flagged my checking account for any suspicious checks or debits or credits. I had payed Brylane a few days before. The bank spotted a transaction that looked suspicious. I did not recognize it as one of mine so they reversed the transaction and it went back to the owner of that account. Now they are calling me and saying that I am 30 days late because my check was returned because of unauthorized payments. The transaction did not say Brylane or WFNNB ...it was some numbers and initials and was from a Wells Fargo bank whom we could not reach. WFNNB said I had to mail a check which I did on another checking account as the one I was using is flagged. How do I get this taken off my record? I have never been late paying a bill in my life. Now my insurance will go up and God knows what else if my Credit Bureau Report shows me as 30 days late. This deal with my payment was not intentionally done and I do not feel I deserve to have them put me as 30 days late in this emergency situation. They say they sent me a letter but I never got it even though I did verify the address was correct. Can I get some advice here. They wont give me a phone # to speak to someone in authority of this, but gave me an address. I would prefer speaking to someone in management for WFNNB...Please advise...

I am a teacher thus am not able to answer my cell phone during the day. I have been receiving phone calls for weeks now but their automated system does not leave voicemails of course (that would be too difficult to have an actual person call apparently). It would ease much anxiety if I knew what they were calling about but of course when you call the number back it asks for a 9 digit account number. Obviously if I knew this account number- or even what account they were calling about I would go online and pay whatever remaining balance I had. After spending a significant amount of time researching this I finally found a phone number that was indirectly affiliated with WFNNB and left a voicemail but have not heard a reply. My parents recently began receiving calls for me at their house where I have not lived in 6-7 years. When my dad inquired what account they were calling about they refused to tell him but left him a "toll free" number that lists 10-15 companies....after pressing any of them you are required to enter the mysterious 9 digit account number....

and to top it off I just received notice my credit score has dropped 55 points...awesome. But the credit report does not tell why it dropped or what account was affiliated with the negative score...even better.

WFNNB is a 1st party collections, meaning they collect their own debt and are not legally obligated to abide by the FDCPA, however, their code of conduct mirrors the FDCPA and all all FDCPA laws are followed. If an investigator is calling its because the debt has written off as bad debt. The inhouse collection agency is calling.

Aucoin, you are not reported 30 days late unless you miss two payments. You may want to call the bank again and ask if you've been reported, unfortunately banks are legally obligated to report accurate information to the cbr's. Unless WFNNB was at fault for the delinquency they cannot legally remove it from your CBR.

The IVR is easily bypassed and by giving them your phone number they can access the account. You obiously have an outstanding debt thats delinquent. Calls are also made on the weekends and at night. And with billions in AR, yes it is too difficult to make personal phone calls to every past due customer.

Where you unaware that the 1st and 2nd payments never came out of your checking account? If so shame on you!!! It is the reponsiblity of the customer to inform the company if the payment isn't take. Yes some fault does lie with the company and had the problem been nipped in the bud immediately they would have been much more accomedating.

everyone with issues with this company, please contact the ohio district attorney's office. They really fight for such unethical behavior such as companies like WFNNB and collectors who do things illegally

On Equifax, WFN does not leave a phone number. I am in good standing with them and have been for a few years, BUT it is still showing as negative on my credit report. So I wound up here searching for a phone number which is the 1800 toll free number at the top.

Yeah, I've been getting these calls repeatedly at work myself, and I keep pulling my hairs out, because when I tried replying, they ask for an extension to who I'd like to call, and I don't have that information on hand, nor do they provide the extension number for me to call... Definitely plumb annoyed by every time they call me up. Not a happy camper.

i want to know why these people keep calling my phone if i dont have a bank account with them and the number is unknown and and the gril who speaks like an answer machine was like is a serious matter and to call the 1800 number what should i do?about this situtation?

ADS called *several* times today, sometimes minutes apart... never left a msg. I answered when it said WFNNB after reading these notes all day trying to find out who ADS was... they were calling about my HSN account because my payment was late.. BUT I had already made a larger-than-due payment THIS MORNING, which she read to me as she got on the phone, duh!

"Your tone of voice"? WOW, now that is great customer service for ya! That just about says it all to me! And no I am not behind in my payments, I pay faithfully. I just have a proeblem with HSN and your company falsely leading consumers like myself!

Twice already today! Woke me up this a.m. From 2 different numbers! Top or off, I have no account with them, and never have! May play your game with them!!!:razz: I'll log the calls from now on!

What ever number is given to a person thats where they will try calling...No one has fun worring anyone neither does World Financial Network National Bank...They are the crideters its they jobs to collect...We shuld'nt blame somones job, cuz sumone might blame ours...

I know its very upsetin when sumone just keeps worring you with phones calls an wakes you up...But they also are u humans rite, am sure they do undrstnd an am sure they will cum up wit sum way to stop callin wrong numbers soon...

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"........:roll:

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.

[URL="http://www.sue4abuse.com/ianlyngklip.html"][/URL]

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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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.

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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

Just came across this and found it VERY interesting and will be logging all calls received: http://www.equities.com/news/news-headline-story?dt=2012-05-31&val=119375&cat=headline

I started receiving phone calls to my cell phone as of today, but do not even have 1 credit card, so there is absolutely no reason for them to keep calling me 7 times since 8:54 am this morning!! They should take heed.


Should the link not appear after submitting this post, I have pasted it below:

Consumer Wins $62K Lawsuit Against Bank For 56 Harassing Robo-Calls
PR Newswire
SOUTHFIELD, Mich., May 31, 2012 /PRNewswire/ -- A citizen harassed by auto-dialed robo-calls on his cell phone about a debt he never owed has won his lawsuit in federal court. The citizen charged the bank with a violation of the Telephone Consumer Protection Act (TCPA) and Michigan's Collection Practices Act (MCPA).
The TCPA prohibits calls to a person's cell phone using an automatic telephone dialing system or using a prerecorded or artificial voice message without that person's express consent.
Dan Harris said he received 56 robo-calls on his cell phone intended for another person from Alliance Data Systems, acting on behalf of World Financial Network National Bank (WFNNB). Alliance and WFNNB claimed that one of its customers had given Mr. Harris's cell phone number to them, but admitted that Mr. Harris informed them of the error shortly after they began calling.
Harris sued because he never owed WFNNB any money and never had any business dealings with the bank. Nevertheless WFNNB and Alliance repeatedly autodialed his cell phone after learning of the mistake. WFNNB and Alliance admitted calling Mr. Harris's cell phone 56 times from August 18 to October 26, 2010.
Michigan Consumer Protection attorney Ian Lyngklip represented Mr. Harris in the case. Lyngklip, senior member of Lyngklip & Associates Consumer Law Center, PLC, filed a motion for summary judgment on September 22, 2011 with the presiding judge, U.S. District Judge Sean F. Cox, Eastern Michigan District, Southern Division (Case No. 10-14867).
The TCPA allows for recovery of damages of up to $500 per call, and triple judgment in case of willful actions. The Court in Mr. Harris's case found that WFNNB violated the TCPA and acted willfully when it refused to stop calling Mr. Harris's cell phone.
Lyngklip, who regularly appears as a speaker and panelist at national events, has been named Consumer Advocate of the Year by the National Association of Consumer Advocates and also earned the Frank Kelly Consumer Advocate Award from the Michigan State Bar Association Consumer Law Section.
Lyngklip has been quoted on consumer law in Smart Money magazine, Wall Street Journal Money Watch, the New York Times and Kiplinger's. He is one of 5% of all lawyers designated as a Super Lawyer and has testified for the Michigan House of Representatives as well as the Federal Trade Commission (FTC).
Lyngklip said, "It's a big win for consumers and puts banks and others in the collection business on notice once again that harassing phone calls will not be tolerated." Harris will collect $62,500 under the TCPA and an additional $2,500 in damages plus court costs and legal fee to be determined under the MCPA.
Lyngklip & Associates Consumer Law Center, PLC, is located at: 24500 Northwestern Highway, Suite 206 Southfield, MI 48075-2406. For more information call 877-783-4228 or visit http://www.MichiganConsumerLaw.com
Media Contact: Scott Lorenz, Westwind Communications Public Relations of Michigan 734-677-2090 http://www.westwindcos.com or Litigation Public Relations
SOURCE Lyngklip & Associates Consumer Law Center, PLC

Just came across this and found it VERY interesting and will be logging all calls received: http://www.equities.com/news/news-headline-story?dt=2012-05-31&val=119375&cat=headline

I started receiving phone calls to my cell phone as of today, but do not even have 1 credit card, so there is absolutely no reason for them to keep calling me 7 times since 8:54 am this morning!! They should take heed.

I do not have an account with them, but they call an average of 5 times per day starting at 8am and ending around 9pm.

They swear I have an account and ask me all kinds of questions to verify it. Rather than answer I have requested proof via mail of my account, which I haven't received. Now, I just pick up the call every now and again and tell them it's the wrong number ;p

Did you DV them in writing as per the FDCPA??? Or just verbally request the information?

Or you could send them a cease and desist letter in writing.

If you expect people to believe you are not part of the scam or whatever this is then you must learn to speak with correct language, and spelling grammer. Your post is the most unprofessional post out there. You sound like your from Nigeria with broken English and you can't spell. So before you tell others to not be "dumb" check yourself because you look very fishy.