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	Ray NY Complaint: I received a call at 6:45 pm on 3/5 for my sister Archie from the World Financial Network National Bank. I was treated rudely and was hung up on. The caller did not ask for me to identify myself -- after hearing that my sister was not home -- one would expect to be asked 'When would be a good time to call?' Or to be asked me to identify myself Or at least hear -- 'Goodbye'. The caller hung up on me very rudely. (God forbid that I actually pay the bill!) Not only did I become enraged and distracted from my work -- but I honestly do not feel such business practices are successful in achieving your business goals -- namely collections. A friendly conversation could have uncovered information or maybe could have secured payment. No one in our household has been rude or hostile -- and if anything, we are eager to resolved issues about balances.

	Anonymous EmailAddress: lakelyn2000@yahoo.com Complaint: While in college, I received credit cards from WFNNB for Express, Victoria's Secret and Structure. I was shocked that they would give me them since I had no credit history. I was a great credit card holder, always paying my bill on time for the first 5 years I had my account. Late last year I was laid off and unable to pay all of my bills. I have accounts with other creditors such as Sears and Discover card. Those companies were willing to help me while I was unemployed by allowing me into hardship programs due to my situation. I did not receive any offers like that for my WFNNB accounts. Instead, I received harassing several times a day, even on Sundays. Some of the representitives who called me told me to file bankruptcy, ask my family for money, etc. Excuse me for choosing to pay my rent and car note with what little unemployment I got paid. I had to eat too. I would not recommend these cards to anyone. I started to work again a couple months back and decided to payoff my accounts. They agreed to let me settle them for a little less than what I owed, so I agreed to do it. They charged my bank account for the payments and I thought everything was ok. Now, with in the past week, I have been getting harassing phone calls from a collection agency about the accounts I paid off. Apparently, the woman handling my account didn't file the paperwork right and my accounts got sent to collections. I have spent the better part of the past week trying to get this issue resolved. I can't reach the woman handling my accounts, I have left several voicemails with her to no avail. When I call and talk to other people at WFNNB, they transfer me to her voicemail. It is frustrating to me because I decided to do the right thing and pay them off, but I am still getting harassed because of their mistake. I would like to report them to someone, but am not sure who to report them to. I wou! ld appreciate if anyone could pass on any information to me about this. Thanks

	Norman Sullenger 625N. Abrego DR Green Valley,AZ 85614 Complaint: It seemed American Home Furnishings without my knowledge sold my contract to WFNNB.Months went by without receiving a statment.Upon contacting WFNNB Iwas told my account was payed in full.That was about a year ago.A letter dated 08/14/04 came demanding full payment of $407.33. The amount I had been told was payed in full.WHATS GOING ON WITH THIS MICKEY MOUSE financial instatution? Maybe small claims court is the answer.

	joanne Complaint: I would like very much to be able to make credit card payments online. I dont see how wfnnb does not have a site to do this being they are such a big company. thanks

	Anonymous Ny EmailAddress: tonischool@yahoo.com Complaint: I signed up for a store credit card for Lerners (now Ny & co.)in Jan. of '04. I made my first purchase to recieve the 10% off that very same day. A week later when I try to make a payment at the store they say that nothing was posted to my account. I call cs service they same the same thing and tell me to wait. 02/05/04 I call cs service to make a payment over the phone they still say I owe nothing. So I ask for it in writting. After recieving my actually credit card in the mail, I go shopping with it, make payments in full. Then in May of 04 the company sends me a letter stateing that the first purchase I made was posted to another costumers account and they are so very sorry for the trouible I had to go through trying to make a payment, they say " Oh nothing will be transferred to your account due to our error.", they even give me a $25.00 gift certificate to use. My next billing statement shows that they charged me for the original purchase and after calling them up they state I have to pay the interest. After speaking with WFNNB, a crazy lady stated that the two letters sent by the company were mistakes and I need to pay the amount, but she will waive the interest. NOT SO. Every bill since then I have been charged interest. So I filed a compaint with the Attorney Generals office of NY and OH, the BBB, FTC, and the OCC.

	Patricia St Petersburg, FL EmailAddress: toimpatricia@netscape.net Complaint: In order to improve my FICO score I am cancelling some of my credit card accounts. My advisor tells me that having more than fifteen credit cards can be a negative thing. I have three mail order catalogue accounts that are evidently under the auspecis of World Financial Network National Bank. I have been trying to reach this bank to cancel the cards but am unable to do so. Does anyone know how to reach this bank?? Thank you - Patricia

	Nicolette Emmaus, PA Complaint: This is the most ridiculous credit card company out there. I have their card for THe Limited and Express. I have always paid my bill on time but every once and a while they don't get it on time since it has to go from Pennsylvania to Texas which takes up to a week. They will then call and harass me as early as 7:30am on a Saturday or Sunday morning and have somehow gotten my cell phone number and have called me on it. But then if you answer they are rude and when you tell them you have already mailed the payment they tell you that they recommend you pay them right now over the phone. I'm like I don't think so and then they get pissy with you and on top of it to pay them over the phone I believe it's an additional $5.00? or I think maybe even more. Why can't they set up a website where you can pay their bill or why can't tghe companies that use them as their creditors set something up through their store's website? Also.....if all of these stores are owned a! nd use the same CC Company....why can't there just be one card to use at all the Limited Co. stores (Express, Vicki Secret, Bath & Body, Structure, NY and Co....) It makes me not want to shop these stores with so much un-needed BS from WFNNB.

	Ian Morgan Washington D.C. Complaint: I signed up for a Victoria's Secret/WFNNB card in order to get the pitched 10% off a purchase. I received a statement and paid it off. When I moved I sent a change of address notification to all my creditors, including WFNNB. I received no other statements from them, and made no further purchases. Years pass and I decide to check my credit record. To my surprise I find that WFNNB has tarred my record with a $271 bill that I 'failed to pay'. When I disputed this, WFNNB farmed my contact details out to various shady third-party collection agencies. I wrote them in May 2004 requesting evidence of what they purport I owe them. It is now November and I have received nothing. This is a non-responsive company that has a bad history of illicit fees and charges (look up the lawsuits against them in Florida). Do not trust this company!

	Anonymous Complaint: I want to forewarn every one of the horrible business practices of WFNNB (World Financial Network National Bank). They are the bank that manages credit cards for such retail stores as Express, Victoria's Secret, and Ann Taylor etc... I think that it is appalling that these stores that seam to have excellent customer service would hire a company with such low end, disrespectful business practices. I always make my credit card payments on time, this month I was a few days late and immediately the calls started pouring in. Of course the call came up private and I don't answer the phone unless I know who it is or have some idea of what is about. They called, and I counted, 20 times over the week-end and 3 times the Monday after. Finally I pick it up and they ask, "Is (my first name) there?" Which is already rude not explaining who they are and why they are calling first. Once forcefully engaged in conversation I tried over and over to tell the gentleman on the phone t! hat I had already sent a check and they should be getting it in a few days. He rudely persisted on getting an over the phone payment for a payment that wasn't do until the following month. I explained to him that I was unable to make that payment at this time but would do asap. This obviously wasn't good enough as he continued to harass me and when I told him I was out to dinner and it was very rude of him to keep me on the phone as I have already explained my situation to him and would get the payment (that wasn't do for another 25 days) to them as soon as I could. Finally I hung up as he would not relent. I called back to make a complaint I spoke to a woman who said she would fill out a complaint form and when I explained to her that the person that had just called me was rude and persistent to the point of harassment she calmly said, "That is what we are trained to do." I am appalled that such reputable retail stores such as Ann Taylor and Express would let such a rude an! d utterly formidable company run their credit card and that they would push this company upon their customers makes me not want to shop at these stores ever again.

	Anonymous EmailAddress: texas794162001@yahoo.com Complaint: I am glad I am not the only one having problems with WFNNB. I had gotten a little behind on my payments with their clients due to certain situations. They would call me numerous times, but would never bother to leave a message. Then a couple of weeks ago, they sent me a letter saying if they did not receive a payment, they may be forced to contact a district attorney in my city. Well needless to say, I sent in my payment as instructed, which was only what I could afford at the time. Heaven forbid, you have other bills to pay besides them. Now two weeks later, they are calling again and telling me it is very important that I call them back. I thought they would be happy I was paying something to them. I, too, wish they have an online payment site. I would sure love to get them off my back once and for all.

	sasha Complaint: I have been a loyal customer for Lane Bryant. On one occasion, I missed a scheduled payment. My balance at the time was $15.00. WFNNB customer service called my house and harassed my husband. They gave them information on my account to which he is not a card holder. They have no respect for privacy and confidentiality. I was saddend to think that such unprofessionalism exists at a corporate level.

	Robert Kilkelly 30 Brookside Ave Albany , NH 03818-7316 EmailAddress: rkilkelly@verizon.net Complaint: WFNNB , Lerners Layne Bryant. My wife purchased a coat from Lane Bryant. The bill was given to a lerner's account by Lane Bryant. The Lerners account was closed in 1993 with a bankruptcy. It shows as closed on our credit histories. The bills were sent to an address that has been out of date since 1990. Then we recieved a call from WFNNB 's collections in 1992. We contacted Lane Bryant and they supposedly straightned it out with WFNNB. A couple of months went by and the calls started all over again with interest being added to a late charge. The coat was paid for on the Lane Bryant account three years ago. The calls stopped for awhile. Now in 2004 and 2005. My wife recieves harrasing phone calls from the collections for WFNNB . The have threatened to ruin outr credit and legal action they have called at all hours and given me information on my wifes account, ( I have no interest in the account). They have offered to stop for a payment of $100. I have advised my wife to not pay. They told her they will take us to court. I told her to tell them fine, do it. I am legally deaf and they are so rude wheen I tried to explain that I cannot hear them. I believe that the companies and the bank involved should be put out of business. I cannot even get in touch with them on the internet If I could I would use relay services. I think that this is what they are afraid of , because if they talk to me online with a deaf ! relay sevice , I can print a transcript of what they say to use against them in court. My wife and I have a good record since the bankrupotcy and it is in jeapordy . I have even been called a deadbeat by the collection people.

	speechless Complaint: Where do I begin.... This has been one hell of a nightmare.WFNNB has the worst business practices I have ever dealt with. This started a year ago when I received a statement from Chadwick's. Not a problem. I ordered a few things and paid from them promptly. Then there was a $700 charge to my account off of the net. I received that bill 3 months after the fact. I called, stated I never ordered OR received this. Months went by with no statement. Then the phone calls started. I told them to send me a statement and I would check into the purchases. I never received the detailed statement, just a bill. Six months ago, my husband lost his job due to injury. I am supporting 2 small kids and the household and shelter, food and clothing are the priorities. All financial responsibility falls on me. I have been harrassed on my job, threatened by "Investagator ___" saying that he had called corp office to supena them about my employement. Funny thing to that is that I DON'T ! work for corp office. I reminded him of the privacy act on dept collection and called my lawyer. I offered to pay what I could because I am tired of trying to prove that I DO NOT have articles that I don't know what they are. I was told that was not good enough. They would NOT accept what I could pay. I feel violated in every aspect of the word. I have told everyone I know NOT to get one of those cards associated with that bank. They have called my mother who is seventy years old ( nearest relative not living with you). This has been horrible. I hate to break it to them.. when it comes to my family vs WFNNB, guess who wins that battle? NOT THAT BANK!!!

	WFNNB sucks Camp Lejeune, NC Complaint: I bought my wife's engagement ring through reeds jewelers. I applied and qualified for the credit card which covered only a portion of the final price, the rest was cash. Shortly after our engagement I was deployed overseas to Iraq. Now I have finally returned home, and thought I was up to date with the payments, however while the money was supposed to be automatically transfered from my personal bank account to the cards balance, it was not. The WFNNB recieved my automatic payments, however did not apply the money to my credit card balance. Now, almost a year la they call me almost 2 or 3 times a day. They seem to enjoy calling around dinner or early in the morning, especially on Sundays. I know the address of the phone number that shows up on my Caller ID, so I'll definitely have to drop in and say hi to Veronica my account manager. Hope you can read this Veronica, I know where you work. A federal ID will definitely get me past whatever security guards your com! pany might have.

	COS Chester PA 19013 Complaint: I have been a loyal customer for Avenue,I just got there card about a month ago.My payments were only 10.00 a month,and I on my first payment I paid 40.00.I was late 2 days and they sent me an e-mail that my account might be closed.I just want to know why.I know I do have bad credit but I was really trying to the right thing.

	Leigh Complaint: I have been a loyal customer for Lane Bryant and Avenue,and used their credit cards that are backed up by WFNNB bank. This bank is awful, and they harass me when I missed the payment for the first time, and always have paid on time. Guess what? They have no respect for any deaf people who can't use the phone. They just keep calling and harassing for hearing people to answer and won't listen to them explaining they must use relay to reach a deaf person like me. They don't have customer service manners or have a respect to use relay or use their tty to contact their deaf customers. I would give them a bad credit report and a bad customer services especially they discriminate against deaf people who cannot use the phone. THey need to respect, and contact properly by using the relay, email provided or use their TDD user representative!!!!

	Robert Kilkelly 30 Brookside Ave Albany , NH 03818-7316 EmailAddress: rkilkelly@verizon.net Complaint: WFNNB , Lerners Layne Bryant. My wife purchased a coat from Lane Bryant. The bill was given to a lerner's account by Lane Bryant. The Lerners account was closed in 1993 with a bankruptcy. It shows as closed on our credit histories. The bills were sent to an address that has been out of date since 1990. Then we recieved a call from WFNNB 's collections in 1992. We contacted Lane Bryant and they supposedly straightned it out with WFNNB. A couple of months went by and the calls started all over again with interest being added to a late charge. The coat was paid for on the Lane Bryant account three years ago. The calls stopped for awhile. Now in 2004 and 2005. My wife recieves harrasing phone calls from the collections for WFNNB . The have threatened to ruin outr credit and legal action they have called at all hours and given me information on my wifes account, ( I have no interest in the account). They have offered to stop for a payment of $100. I have advised my wife to not pay. They told her they will take us to court. I told her to tell them fine, do it. I am legally deaf and they are so rude wheen I tried to explain that I cannot hear them. I believe that the companies and the bank involved should be put out of business. I cannot even get in touch with them on the internet If I could I would use relay services. I think that this is what they are afraid of , because if they talk to me online with a deaf ! relay sevice , I can print a transcript of what they say to use against them in court. My wife and I have a good record since the bankrupotcy and it is in jeapordy . I have even been called a deadbeat by the collection people.

	Carey Complaint: I just received a collection notice for a past due bill for the creditor WFNNB/New York & Company iao $137.26. I've never had a department store card or credit card with them. I have no idea why they are trying to collect money from me. After reading all the complaints about them I'm afraid they are going to ruin my credit over a bogus bill! If everyone keeps filing complaints about them why are they still in business?

	Tammy Banks 121-26 Irwin Place 11434 Phone: 718-978-6218 EmailAddress: tbanks12@juno.com Complaint: I received three letters in the mail from a company called Asset Acceptance LLC located at p.o. box 2036 Warren, MI 48090 they were writng me about an account from three WFNNB accounts - Victoria Secret, Express and New York & Company I have never had these account I called them to dispute them they replied these were accounts that posted on my credit report in 1993. I replied this was fraud. Is there anything a consumer can do not to be harrassed with fraud account also if the account posted on my credit report in 1993 that would have ment that it was there for over 7 years there has to be a law to protect the consumer from something like this. It's like serving a crime you did not comment and asked to do it again. Something has to be done and soon

	Anonymous EmailAddress: tonischool@yahoo.com Complaint: WFNNB The address I have for this company is 220 W. Schrock Rd., Westerville, OH 43081. TO ALL OF YOU WHO ARE TRYING HONESTLY TO DEAL WITH THIS COMPANY IT IS BEST TO SENT IN A COMPLAINT TO THE OCC WHO HANDLES COMPLAINTS WITH BANKS. ( A.K.A THE FED'S) They helped me and found that all of the charges to be stupid and took care of all most everything. I didn't owe anyone a dime.OH YEAH THE PERSON TO TALK WITH AT WFNNB IS KASSY XXXXXXX . SHE CAN BE REACHED AT 1-800-675-XXXX. She's kinda slow, so if your iq is above 1 she may get confused by big words like " I". To get them to stop calling you must write them a letter and request them to stop (that's the legal thing.) If the company doesn't stop calling you after recieving the letter then they get fined in the thousands per phone call. Don't give up, next time they call your house say your busy but you can call them back at theirs. Good luck to all

	PO Box 161056 Louisville, KY 40256 Complaint: WFNNB took over the Service Merchandise accounts here in Louisville, KY. We paid a bill off back in 2001 and then we find out from our credit report, in 2004, there is a negative comment from them. Now the bill has been paid off for 3 years. How can they go back and report something BAD??? I think this company is only out to hurt people and get whatever they can from innocent people. I think they show no professionalism, coothe, or care about people. THe company needs to be put out of business.

	Tammy Idaho Complaint: I got a letter from RMS on 4/4/05 showing that I owed $380.61 for WFNNB/New York & Company. I called RMS to find out what this is about. It is from 1993! Appartenly WFNNB/New York & Company show this debt. I have never heard of them, nor did I have a credit card of any kind back in 1993. I can't find anyone to help me with this problem, so I'm mailing off letters requesting proof.

	Anonymous Complaint: When visiting in Conn. before Christmas, I made a purchase at an Avenue store in Bloomfield where the saleslady persuaded me to apply for their credit card in order to get a discount and 2 boxes of chocolates. A few weeks later the credit card arrived, and then I began getting bills for late charges with no explanation. In January after requesting the original bill twice I still had not received it so I cut up the card and returned it to them. Eventually I got the original invoice for $10.50 which I paid immediately, but my last bill amounted to $82.00 in late charges. I continue to get harassing phone calls and requests to pay by phone even though I have written explanations to the bank twice and tried to explain the situation to rude bank employees.

	Anonymous Complaint_against: WFNNB Complaint: Been getting calls from WFNNB. Seems my wife missed 1 payment and they started calling non-stop. What makes matters worse it they have their computer call and then when you pick up either it hangs up on you or asks you to hold for someone. In my state that is illegal but Tom at WFFNB who was on the phone one night said they are a National Bank and don't have to obey my state laws. NOT TRUE. Anyway, there are a couple of tactics to deal with people that call and are harassing and rude. First, keep in mind their goal...they have to call X number of people per hour and have to collect X% of the balances they call on. (These are some typical stats) With that in mind, first, don't pay if you can't or don't want to. Second, keep them on the line for as long as you can. In fact, make it a game. I did. I told them flat out I was bored and wanted someone to talk to. I answered their questions with questions, asked them unrelated questions, made nonsensical statements and even point blank told them what my goal was. There is no requirements you take their crap or give them what they want to know. However, if they get flustered they may screw up and violate your rights under the Fair Debt Collection Practices Act which also has some protections for you even if you are not the person they are wanting to talk to. Lastly, if they do harass you or get very rude, make sure you get their name, employee number and business name. Keep a log. Also, feel free to e-mail their execs or call them at home and let them know who it was that was rude to you and that you are calling them at home because the company they manage felt it was ok to do so to you. They can't kill you, they can't really even do much more than they are doing other than take you to court...which if you haven't paid and are not going to is probably where you are headed anyway. They'll try to make you mad, try to make you feel guilty and claim you are a bad person.. try to get you to break down and cry and give in to their demands. You have the power.. otherwise they wouldn't have called you to begin with.

	Kathy Complaint_against: WFNNB Complaint: I HAVE RECEIVED A LETTER FROM ASSET ACCEPTANCE LLC, TO MY MOTHER IN LAWS ADDRESS, STATING THAT I OWE FOR A SERVICE MERCHANDISE ACCOUNT THAT I HAVE NEVER OWNED. GET THIS! THEY ARE OFFERING A DOLLAR FOR DOLLAR DEAL, THAT IF I PAY HALF, THEY WILL MATCH THE OTHER HALF, AND TAKE MY BALANCE TO $0. WHAT A JOKE. MY HUSBAND THINKS THAT SOMEONE MAY HAVE STOLE MY IDENTITY, BUT AFTER READING ALL THE COMPLAINTS, I THINK IT MIGHT JUST BE THE DUMB BANK.

	A Complaint_against: WFNNB Complaint: I had a Victoria's Secret card that went to collections back in 2000 due to being laid off. In 2003 I received a settlement offer. I was working again at the time and trying to re-establish credit so I called in to accept the offer. The agent was very nice and explained that it would be best for me to make the payment over the phone for an additional $5. I made the payment and kept record of her name and her extension. A year later I receive a letter from RMA demanding the balance on the settled account. Also, around the same time I pulled my credit report and lo and behold they have put the balance on my credit report as a new account in collections. I called WFNNB to try to get this straightened out and I was told to fax in my settlement letter (which I did hold on to) and that it would be straightened out and removed from my credit report. I faxed in the requested information and called back to verify that it was received. I was assured that it was rec! eived and that they would straighten this out for me. I gave them 30 days before I pulled my credit again and it was still showing on my cbr. I called back and this time I had the pleasure of speaking with the rudest person I have ever spoken to on a business phone call (including the collectors that called when the account first went delinquent- they seemed like sesame street characters compared to this gem). She basically told me that I had no rights to demand that they straighten out what they put on my credit report because I was a deadbeat (not in so many words). I asked for a supervisor who upon hearing what I had to say about how horribly I was treated began to justify her treatment of me and basically told me that because I had an account go to collections and settled on it for less than the original balance that that is just way it is and I should expect to be treated any kind of way. I wonder if she would feel that way if her mother or grandmother hit hard tim! es and was treated like scum when trying to do the right thing??

	Anonymous Orange County California Phone: 714 761 8653 EmailAddress: choyak@gmail.com Complaint_against: WFNNB Complaint: This WFNNB bank has the laxest policies for new accounts that I have ever seen. I had an identity theft which changed my address on the experian and opened a fraud account and then stole money from this account. I had to go through alot of rigamarole and it isn't completely solved yet. I filed a police report and informed this 'bank' that it was a fraudulent account. I am pondering if I can sue this bank for it's abyssmal security practices or is it not worth it and just write alot of bad reviews about them.

	jimmy melbourne Florida Praise for: WFNNB Complaint: Im sorry for everyone's frustrations with any financial institution, but you do take a risk when applying and accepting any credit. Unfortunately, other people are human too and very capable of making mistakes; however, this does not excuse rudeness on either side. I have had an account with WFNNB for over 10 years and have always had remarkable service. Infact, after the Hurricanes of 2004, I was contacted in writing by WFNNB advising that my interested would be suspended and any minimum monthly payment due could be skipped without penalty. Although I did not accept their offer, it was reassuring to know they cared enough to offer any help !

	Kathleen Walsh Complaint_against: WFNNB Complaint: I paid off my WFNNB account balance from an Express card and it still shows on my credit report.

	Ruth Holt 968 Chili Riga Center Road Churchville EmailAddress: rufus51@rochester.rr.com Complaint_against: WFNNBNEWYORK&CO Complaint: I have had an account with what used to be Lerner New York for over 35years and I have not really had any problems othere than the fact that I cannot make a payment online as I can with Lane Bryant which is with WFNNB also!!!! If I call to make a payment over the phone there is a charge incurred of either $5.00 or $15.00 I don't remember which one. I cannot understand why a bank that has so many company's going through them cannot set up a wesite for payments. I usually try to get to the store to make the payments so it's posted the same day however there are times I cannot make it there&I have recently had some medical problems that restrict me from driving. So if I cannot get there & I haven't given my payment at least a week in the mail I get a late charge incurred. I have read some of the other complaints and I see a lot of the same things as complaints. Please if you want to keep customers happy and shopping in your stores make it more accessable to them to m!ake payments.

	Amanda Complaint_against: WFNNB Complaint: I have had an Express and Lerner account for over 3 years. I have never had a problem until recently. I almost had my balance paid off and had my account set up for automatic bill pay. For some unknown reason Express decided to double the minimum required pay. So my automatic payment was $5.00 short. Needless to say I got a harassing phone call from Express saying that I don't pay my bills regardless of my explanation of auto-bill pay and having receipts for every transaction. I told the guy who called that I paid my bill on the 1st and it was due on the 10th. His answer? "Sometimes it takes longer than 10 days to process...you still didn't pay your bill" COME ON! I did so pay my bill! I arranged a phone transfer so it would not affect my credit (still watching my credit report to make sure they are not lying) and asked that my account be closed immediately because obviously they are not listening when they insist I never paid my bill. So I get transferred to this lady who stated that it wasn't because it wasn't paid on time but because they doubled the payment due, even though the account was almost at zero. So then I get transferred again to someone else who said it will still count as an unpaid bill and go against my credit. They then went on to say, and I quote "The minimum payment was $25.00 and you paid $25.00" So he just basically said that I paid it in full and I got mad and told the guy that he just verified that the amount was paid, why can't anyone give me a straight answer? He said he was reading the wrong line on my account! So, in a nutshell, I've heard three different stories about my account in less than 5 minutes. I still don't know which is correct but becuase they insisted on jerking me around I closed $2000 worth of business. NEVER opening a card with them again! I'm not holding it against Express or Lerner, still great stores, just bad choice of vendor!

	Shari PA Complaint_against: World Financial Network National Bank Complaint: This company keeps calling ON MY BUSINESS FAX LINE and asking for my daughter by first name. They are extremely annoying and harrassing, calling about 15 to 20 times each day (judging by my caller ID). They refuse to leave a phone number and will only give the company name and their first name. I've gotten calls for the past month from several employees and have (1) politely asked them not to call again because it's a business fax line (2) told them that this phone number is a fax line and is on the DO NOT CALL lists for both federal and Pennsylvania purposes (to which they argue with me because they claim they are not telemarketers so it doesn't apply to them!) and finally, (3) screaming at them in the phone as loud as I possibly can that they are not to call my number again because it's my number, not my daughter's number. Nothing seems to work. I found their phone number (1-800-675-xxxx) on this website and I thank you very much. I intend to call them at !their toll-free number every time they call me to use up many of their minutes. I'm dealing with the same person listed in another post - KASSY XXXXXXXX. I'm also reporting them to the BBB, the federal and state attorney generals' office and every other possible agency I can think of which takes reports about bad companies. Hope everyone else does the same - let's give them a taste of their own medicine!

	Anonymous EmailAddress: choyak@gmail.com Complaint_against: WFNNB Complaint: This has to be the worst managed bank in the world. I received a call from WFNNB that my 'shop at home' payment was past due. I do not or never had a 'shop at home' account. When I acquired the address it was not my real address, then I know that this was an IDENTITY THEFT case. After opening a case with the local police, and reporting to all 3 credit bureaus, this bank does not call anymore, NOR did they send me an affidavit to sigh and return. WFNNB credit security practices most be abyssmal at best, because they just opened an account with my name and SS number but did not verify any other data like mothers maiden name or DOB etc. There was another fraud account opened, but that company sent me an affidavit to sign (praise them it is Dell), but this hokey WFNNB sent me NOTHING. Hopefully the police will contact them soon, but the police told me that there are a huge number of identity theft cases pending.

	Carolyn P.O. Box 2885 Muskogee, OK 74402 Phone: 918-682-9164 EmailAddress: carolsan727@yahoo.com Complaint_against: wfnnb Complaint: I am making a complaint againt wfnnb. I have never had an account with them to begin with. Someone gave my number as a contact member. I have asked these people not to call and they keep calling all hours of the day. They are rude, they will hang up and they keep saying they are removing my phone number of their list but they keep on calling. I have had my phone number over 20 years and I don't want to change. Can anyone give me any advice on how to stop the calls?

	Anna Complaint_against: Express Credit Card A.K.A. WFNNB - Express Complaint: I purchased clothing using the Express credit card. It was only for 80 dollars. It wasn't but 2 weeks after purchase that I started receiving calls for payment. Ever since then I received call constantly - sometimes twice in one day. I was also in the middle of a huge move - i told them this and they proceeded to file against me on my credit. Lovely! Anyway I have made the payments but will never purchase with that credit card and it has been closed. They harassed me to the point where when i saw their phone number - i didn't answer. It was insane. I was going to make the payment - send a bill (that's all they needed to do). Anyway stay away from these idiots! Thanks.

	Lyndsay Complaint_against: WFNNB/World Financial network National Bank Complaint: People out there are right.WFNNB does not know how to balance the books.I have three accounts Lane Bryant/Spiegels/Kingsize Direct all through this bank.The companies send me bills which I faithfully pay each mth and now this bank is takeing money out of my account with no permission and not stateing which account this is for.These companies if they need the business really should have their own billing system.And you are right you can not contact them I've seen 3 different addresses for them no.Any one know how to e-mail them?

	Nikki Maryland Complaint_against: WFNNB/Express Complaint: I am working on eliminating harassing letters from a company called Asset Acceptance, LLC in regards to a closed account that I settled over 5 years ago with WFNNB/Express. I called WFNNB today, and they admitted to me that I owe them nothing, however in December of 04, they sold my account to Asset Acceptance, LLC who is now trying to get $400 out of me for the letters to stop. I am waiting for a return call from a supervisor to explain to me why my account was sold to another collection agency when the account was settled 4 years prior. So, if you want to get turned over to another collection agency when you don't owe Express any money and be continually harassed years down the road, get the Express credit card. I guess that is the added benefit?

	dani EmailAddress: danidemas@hotmail.com Complaint_against: WFNNB/Lerner New York Complaint: I am glad I am not the only one who is receiving statement from this Asset Acceptence. On November 17th 2005, I received notice stating that I owe $340.00 with Lerner New york's name at the top. I was instantly frantic since I knew I did not have any otustanding debts with anyone so I immediatly thought I was a victim of Identity Theft. I argued back and forth saying I don't know anything about this and then learned that there was a charge of $39.00 placed on my Lerner New York card in December of 1991. This company has since added their own fees and interest bringing the total to $340.00 (This is illigal). I can not even verify the charge is mine because Lerner New York refuses to give me any information or a copy of statement since they sold my account information to Asset Acceptence in December of 2004. I did confirm verbally that the last transaction was $39.00 in December of 1991 but they refused to send me statement. I had 3 different and very abusive conver! sation with the staff at Asset Assurance, 2 of which were alleged supervisors and they insist the burden of proof is on me. I explained I can not prove a payment from that long ago since my bank only retains records for 10 yrs and this is over 15 yrs old. I am filing a suit against Lerner New York/WFNNB for selling my information to a third party without notifying me first-It is a law according to the Federal Trade Commission and am also filing complaint with Pa and Phio State Attorny general about the practices of Lerner New York and Asset Acceptence, I strongly urge everyone with these complaint to do the same so they maybe someone can put a stop to this.

	Sharon Westerfeld Complaint_against: World Financial Network National Bank/New York and Company Complaint: I received a credit card in the mail for which I did not apply. I do not want this card and when I called to cancel it, I was told I had to cancel it in writing. This should not be since I did not want it in the first place. They should never have sent me a card for which I did not apply. Since they did, I am now forced to spend my time and stamp to cancel this card. This should not happen!!!!!!

	Raj Address: onlyhindustani2003@hotmail.com Complaint_against: World Financial Network National Bank/Express Complaint: Let me stary off by saying they have no respect while talking to their customers. Once you get their card they don't care about you. In short they do not know how to do Business. I had received a bill from express for a men's denim jacket for about $92.89 which i had never bought. They asked me to write a letter to address the issue. after a month i received a letter from them giving me some false charges for the jacket which i had never bought. I know my credit history, i am 21 years old i have about 6 credit cards, never paid any late charges on any of them. I know i had never bought the jacket, i don't know how they got that fake receipt. This is fraud. For humanities sake never ever ever go for a credit card associated with world Financial Network National Bank.

	Anonymous: Complaint_against: WFNNB Complaint: After nearly a year of wrangling with WFNNB about my purported debt I finally got them to the point where they agreed to settle it for $68 (vs. the $270 they were asking for initially). At this point, I was happy to do so. I sent in my check and then made sure that it was cashed (which it was) and kept records of EVERYTHING. This was June 2005. Imagine my surprise last month when NCO Financial Systems started to mail and call me to collect on this debt. They had even added an "interest" payment to it, increasing the debt and leading one to believe that more interest would be added if I didn't pay. I was incensed. I immediately contacted WFNNB and actually got them to admit their mistake. Victory! My payment hadn't been "referenced as a resolution". They said they would clear everything up with the credit reporting agencies and NCO Financial Systems. However, I wasn't too surprised to come home yesterday to find a voice mail from NCO still trying to collect this debt. Fortunately I got a name and extension from a real person at WFNNB and have left a message with him. To be continued... Lessons learned: 1. I wish I had kept a copy of my last statement from these bozos. Will do so for 5 years with all future credit cards 2. Never, ever do business with WFNNB. They are incompetent and crooked 3. Keep all correspondence 4. Be persistent in dealing directly with WFNNB, not their third party collection agency scumbags 5. Keep detailed records of all calls - date, time, name of person you are dealing with, phone number and extension of that person

	Cheryl Butler Complaint_against: wfnnb/express Complaint: i had a credit card from these people in 1997. The 400.00 debt was discharged in a bankruptcy in May of 1999. they have listed the debt as outstanding on my credit report making it difficult to get a mortgage unless we pay them off. Thisis illegal, and we intend to ccall the supreme cout and our attorneys.

	Anonymous Complaint_against: WFNNB Complaint: Called Home fax number. Asked for someone that did not live at my house (dont even know the person). The person refused to hang up when I told her where to stick it. There fax number has been disconected.

	Chuck Old Towne Alexandria, VA 22314 Phone: 571- EmailAddress: aweful@wfnnb.com Complaint_against: World Financial Network National Bank (WFNNB) Complaint: I used to have three cards all issued by WFNNB (Victoria's Secret, Express, NY Lerner). About a year ago, my Express card showed a later payment by about 5 days, which I knew had to be their fault since I use electronic payment from my bank's BillPay. Further supporting this was that the Victoria's Secret and NY Lerner payments made to them on the same date were NOT late. I tried to call them and resolved the situation, they promised to waive the late fee, which they did. Much to my dismay was the fact that a month late, this so-called late payment showed up on my credit report and knock me back about 40 points. When I tried to contact them again, I was given the run-around and told essentially nothing could be done. I immediately canceled all three card issued by them, however the damage has been done and it will probably take me a year or two to restore my credit scores.

	k.s hattiesburg EmailAddress: ihateWFNNB@badcustomerservice.com Complaint_against: WFNNB/NYCO Complaint: I have the new york and company WFNNB credit card.I have pass throught the very very very bad customer service of WFNNB. They are unhelpful, unpolite at all. I have moved to the new aprt and i forget to call in and change my address. I do change the address on the post office. i don't receive the payment for 6 months, and i forgot about this card too, i don't use it that much and i only use in one times that cost under $100. After i saw from my credit report today,, i immediately call to customer service of the WFNNB bank, the customer representative was very unpolite and call me a bad debt, say i don't pay the amout of $268, and want me to pay immediately, i request a settlment but the guy just say he will not provided and he just want me to make the payment immediately. I will make the payment since this is my fault,, but i just don't satisfatied which the customer service the WFNNB provided, a very bad customer service that i never been through.

	D.B. CityStZip: RI EmailAddress: retales@cox.net Complaint_against: World Financial Network National Bank Complaint: I just wanted to add my 2 cents here. I tried to settle a debt with these people after being out of work for a year and a half due to 2 operations. It was a Chadwicks card who by the way is also Newport News. I wrote them 2 letters and both went unanswered. However, they continued to harass me by phone. I tried twice to speak to someone by phone and they just got nasty and talked over me so I hung up on them. I changed my phone number to an unlisted number and somehow they found it and started calling again. Now I just ignore them or hang up on them. I had no choice but to send this to a debt management program because they were so unreasonable. When will these morons realize that professionalism and kindness will get them everywhere. I do not respond to being bullied nor do I respond to fear tactics. This is an awful credit company that should be put out of business. Don't let them bully you if you have tried to contact them and settle your debt but only met with! tricks and nastiness. Contact a reputable debt management program, like Help With Debt, and have them help. Then send them a cease and desist letter and remind them that if they call you after receiving the letter that they will be violating the Fair Debt Collection Practices Act. If they do violate it again then report them to your Attorney General who will make them stop. If you are trying to settle the debt then you are doing what is required by law and don't let them scare you. Good luck to you all and do not apply for any of their cards. Research the bank first before applying and be sure it's not World Financial Network National Bank.

	doug funneh oh Complaint_against: wfnnb Complaint: just like this says in the header, post your complaint. obviously if you come here you are not unique in having credit card problems. i work for a transparent company of wfnnb, and just because you are posting something here means something didnt work for YOU. in my experience, the people who call in that have the biggest problems with their credit are the ones who have a lot of other issues in their life as well. they dont know how to communicate effectively what they need, almost all of them get caught up in their own financial psycho-drama and misplacing blame onto someone else...if you're polite and willing to conversate, you will be helped much easier. look: dont make purchases you cant pay for. or it will cost you. theres no secrets there. settle down when you call in, answer the questions we have, we already know that you know it all, we're trying to help you. but dont expect to make us feel sorry for you if you cant do what you signed a contract to do. if there is a! legitimate problem, you will be helped, but if you are negligent or irresponsible, please look deeper within before you lash out. peace you consumers of the nation

	Trace Oklahoma City, OK Complaint_against: WFNNB Complaint_against: wfnnb just like this says in the header, post your complaint. obviously if you come here you are not unique in having credit card problems. i work for a transparent company of wfnnb, and just because you are posting something here means something didnt work for YOU. in my experience, the people who call in that have the biggest problems with their credit are the ones who have a lot of other issues in their life as well. they dont know how to communicate effectively what they need, almost all of them get caught up in their own financial psycho-drama and misplacing blame onto someone else...if you're polite and willing to conversate, you will be helped much easier. look: dont make purchases you cant pay for. or it will cost you. theres no secrets there. settle down when you call in, answer the questions we have, we already know that you know it all, we're trying to help you. but dont expect to make us feel sorry for you if you cant do what you signed a contract to do. if there is a!! legitimate problem, you will be helped, but if you are negligent or irresponsible, please look deeper within before you lash out. peace you consumers of the nation ========================================= In regard to the above comment: I have had a terrible experience with WFNNB recently and am a person with excellent credit history and now can only hope it is not ruined by WFNNB. My complain: I have a NY and Company gold card. Back in March, 2006 I noticed a late fee on my account, can't recall how I found out. I called WFNNB immediately and was told I was late on the previous month which I did not receive a statement. The rep first said they didn't receive return mail from me then said I wouldn't receive a bill in the mail since I've been paying online. She was polite and waived the late fee but in order to keep my good record I had to make a payment over the phone and pay a $7 electronic payment fee which I agreed to just to keep my credit clean. Contrary to what the rep told me I've been receiving statements in the mail and email notifications thereafter. On 10/21/06, I received an email from NYCO stating that my October statement is ready to be viewed. I logged on to my account and ready to make a note of the due date. To my surprise there was a late fee for the purchase I made in September, 2006 which again I didn't receive either a statement in the mail or an email. I gave them the benefit of the doubt back in March, this time if I trusted it was a mistake I would be a fool. I called immediately and the rep was rude and demanded payment. When I explained the situation and my suspicion she said they didn't receive return mail and went on saying it was MY responsibility to either call or check my account online for due date if I made purchases, the company doesn't have to send me a bill! Okay, was that the most ridiculous thing anyone has ever heard? I wanted to be done with doing business with WFNNB I paid my account in full including the late fee, finance charge, electronic payment fee and all two purchases including the one hasn't come due ($28 extra for a balance of $50!). Then I asked to close my account which I know won't happen. My friend closed her NY and Company account but was able to have the store clerk looked the account number up and make a purchase. I also cut up the card so I won't accidentally use it again. Today, 10/25/06,I called to speak to the supervisor but was transferred to her voice mail. A message was left at 11:45am and it's 8:56pm right now, she has yet to return my call. Does anyone think she will call? No worry, I will call again tomorrow, 24 hours is all I am giving her. I will ask for her name to be enclosed in the letters I am sending to NY and Company's CEO, CCO, and whoever's name I could find from the company web site. Furthermore, I refuse to be the victim of this company, I will pursue this further and find the governing agency to file my complain. This is an unethical, if not unlawful, practice that shouldn't be allowed to go on without consequences. To Doug Funneh, Do not be so quickly to judge the people who posted the complains here. Yes, some of them do have financial problems but it didn't mean WFNNB didn't fraud their customers. Of all my store credit cards and VISA cards, never once the bills got lost in the mail or the emails got lost in the cyberspace. It happened twice within 7 months,both times the paper statement and email statement were lost at the same time, with WFNNB, any rationale?

	Dan Michigan EmailAddress: SD42361@aol.com Complaint_against: WFNNB - The Avenue Complaint: On 03/13/06 I was contact by a guy in collections at WFNNB who said that I had an Avenue credit card with a balance of $335.00 and that I needed to make a payment over the phone, as the credit card payment was past due. When I informed the guy that I did not open the Avenue account and that I had never received a credit card or statements from them, I was told that a $335.00 purchase had been made with the credit card in December 2005, when the account was opened. After I explained again that I did not open the account and did not authorize anybody else to open the account, I was told that I would need to call customer service and then was given the number. After my conversation with the guy ended I retrieved my credit reports from online to verify whether the account was real or not. Once I confirmed that an Avenue credit card had in fact been fraudulently opened in my name I called the number the guy gave me. When I contacted customer service the first thing they asked for was the acct. #, which I didn't know. When I explained that the account was fraudulently opened in my name and that I did not know the acct. #, I was told that I had to have the acct. # before I could speak to anyone in customer service and they hung up. I continued calling them and hearing the same thing until I asked them how I was going to get the acct. # being the account was fraudulent and the statements weren't being sent to my address. Upon hearing that the lady I was speaking to, who clearly needed a hearing aid, said "You can find out your acct. # by looking at your credit card statement." After a few more attempts I finally got a customer service representative that listened to what I was saying and was willing to assist me. The lady I spoke to told me that the Avenue account, which had a $150.00 credit limit was opened in December 2005, and that one purchase of $335.00 had been made with the card that same month. When I asked her to verify the address on the account I discovered that the credit card and statements were sent to my sisters address, who was an employee at an Avenue store at that time. As the conversation continued the lady told me that I could get a copy of the original application, sales receipts, etc. by sending a written request to the Fraud Dept.Before I contacted the Fraud Dept. I placed a fraud alert on my credit file and contacted the police. I then sent a certified return receipt letter to WFNNB's Fraud Dept. requesting the account information that the police said I would need in order to have my sister prosecuted. WFNNB received my first written request on April 17, 2006, however, they never responded. What they did instead was call and harass me day and night. After months passed with no response I sent a second letter via certified return receipt mail to WFNNB's Fraud Dept. requesting the information again. In my second letter I also told them that they were violating Federal Law by not sending me the information I requested in writing on the fraudulent account and that they were holding up a police investigation. I also told them that I would contact my state Attorney General, U.S. Attorney General, FCC, and BBB, if they continued to ignore my request. My second written request was received by WFNNB on July 1, 2006, however, to date they still haven't sent me the information I've requested. Instead, I received a letter in July 2006, from Fraud Investigations, which states that they have concluded that I am not responsible for the disputed balance on the account. I'm glad WFNNB closed the account, but what I really want is the information I've requested so I can have my sister prosecuted that way she doesn't do this to me again, being this is the second time she has stolen my identity. I'm not only frustrated with WFNNB, but The Avenue as well. My sister was at the Avenue store working when she opened the fraudulent account in my name, so I figured they would have brought charges against her, but they didn't. The Avenue also didn't do anything except terminate her employment when they discovered that she had stolen thousands of dollars worth of merchandise from them, even though she has a prior felony for Larceny. If The Avenue doesn't care what their employees do, I highly doubt they care about their customers either. And as for WFNNB, well I think they need to change their name to WORST FINANCIAL NETWORK NATIONAL BANK, because that's what they are!!!!!

	Shannon Michigan EmailAddress: SD42361@aol.com Complaint_against: WFNNB Complaint: I'm curious how much sacrifice Doug Funneh feels a person should make in order to resolve a matter with WFNNB? In February 2006, I found fraudulent charges on my Avenue account statement so I called WFNNB to report them. WFNNB told me that I would need to send a written request to their Fraud Department if I wanted documentation of the charges made. I sent the Fraud Department a certified letter requesting copies of the sales transaction slips and other information, however, I didn't receive anything. Then, a lady from the Account Control Department called me. I told the lady that I had never made any purchases with the account, but that my future sister-in-law, who at the time was an Assistant Manager at an Avenue store, had admitted to making the purchases and was willing to accept responsibility for the account balance. The lady from Account Control said and I quote "Do not make any payments on the account, because I won't be able to help you if you do," then she said she was sending me a Change of Responsibility form, for my future sister-in-law and I to sign. When I asked! about the information I requested, the lady said the law prohibited her from sending me the information and that the police would need to get a subpoena before she would be able to send them the information or talk with them about the account. I had no idea that WFNNB was in violation of Federal Law, until I contacted the FTC. After that the harassing phone calls from WFNNB started pouring in. I told every person I talk to what the lady from Account Control had instructed me to do and even gave them her direct number to confirm what I was saying was true, however, it didn't seem to matter. In June, I sent the Change of Responsibility form and another certified letter to the Fraud Department, requesting the same information I had previously requested. Needless to say though I still haven't received the information I requested and the account still hasn't been transferred into my future sister-in-laws name. WFNNB calls me at least 5 times a day, 7 days a week, and has even went as far as calling me on Thanksgiving Day, Christmas Eve, Memorial Day, and on the Fourth of July. I have also had times where they have called and not said anything, or simply hung up on me after I've said hello several times. I've called the lady at Account Control numerous times and left messages on her voice mail, but she never returns my calls. Yesterday I received a letter from WFNNB which states that Federal Law requires them to tell me that my account has been reported to a credit bureau. Are they kidding me? Since when do they care about what their required to do under Federal Law? Needless to say when I called the lady who sent me the letter I was forwarded to someone else, who then forwarded me to the voice mail of the lady who never returns my calls. If WFNNB wants their money they need to transfer the account into my future sister-in-laws name, like they said they were going to do in June, because I'm not paying for charges I didn't make. Also I've noticed that several people have mentioned contacting the OCC, but I have no idea what OCC stands for, so if somebody could e-mail me that information I would greatly appreciate it.

	NOT Linda Smith NOT Puckett Drive or wherever Complaint_against: WFNNB Complaint: For over six months we have been receiving calls from agents of World Financial Network National Bank for someone not at our home telephone number. We have repeatedly explained that the person they are trying to reach is not at this number and has not been at this number since we were issued it over five years ago. We have been accused of being the person they seek. We have been told we were not the ones to be asking any questions, they would be the one asking questions, we were only to answer them. We have been hung up on when we insisted on knowing the name of the person calling us or have tried to ask them to repeat their firm name so we could be clear regarding who was calling us. We have been spoken to in the most rude and unseemly manner even though we have no idea who the person is they are calling and certainly have no idea where they are now. We also believe (based on caller id) these are the same people who have made vulgar statements then hung up on us when! we have tried to question them further about who they are, who they are calling for and why they are calling. We have asked and begged them to do a telephone number search on the number they are calling to verify our telephone number currently does not belong to the person they are trying to contact. During all this time we have tried to remain civil and have repeatedly requested that, since the person they seek is not at this number, that they not call again. Still these calls have persisted. Today (11-12-2006) we were finally able to weasel enough information out of them to find out we don't live on the same street as the person they are trying to reach and they are calling in an attempt to collect a debt, two things we never knew until today. We still have no idea what debt they are trying to collect. We have no personal knowledge of the person they are trying to reach. Whenever we have made attempts to contact a representative of World Financial Network National Bank in the hopes of finally putting an end to the calls, we have met with resistance, even being told if we would stop lying to them and just pay the debt (because, according to the various agents we've spoke with, we know we owe it) they would stop calling, although they refuse to discuss the matter with us and insist on speaking to the person they are calling. What little we have now has been many months in gathering. How can we convince them that we are not the person they seek, we do not know that person, we are not hiding that person, and we do not live at her address? Even when we have managed to have them verify the phone number via the internet and believe we have reasonably justified their not calling us, they persist. But we are at our wit's end and it seems, since this is a number they have on file for this person, we have no recourse but to tolerate their repeated! calls. How can this be legal? Why should we be forced to endure this harassment?? Thank you for allowing us this chance to vent.

	Contract Fly Gal Complaint_against: Avenue Complaint: I have the same problems with this company as all others seem to have. I paid my Avenue bill promptly. They did not cash the check although they received it. When checking my bank statement I found that I had a debit that I did not recognize. I stopped payment on the unapproved debit. Months later I receive a nasty call from World Financial asking me to pay my bill and why did I stop payment on my check. I did not stop payment on a check as there is a charge for that and I would never do it. It took me abut 4 months to figure out that World Bank had debited my account without approval and also cashed the check. I am STILL fighting with them over a $99 payment which I paid twice and they are billing me finance charges for... Now I get a call from a non English speaking person and that is the final straw.

	Another upset and ex customer Complaint_against: wfnnb Complaint: I too have had the experience of being called by a rude collection agent for WFNNB. Due to a change of address I did not receive a bill and very honestly forgot about my purchase, I did try to give my new address information at the store at the time of purchase but it was refused. My first phone call from the bank was very upsetting, first I had to ask 3 times what the call was about before I received a very curt and rude answer. Be very careful because their practices are not eithical. I called to get the payoff amount, sent in the amount I was quoted but they neglected to tell me the very next day I would have another $20.00 late fee incured. If I had not called to make sure the account was closed I would have been late on the $20.00 late fee balance and they would tacked a late fee on that. It could have been a vicious circle. I told them to close my account and I will make sure none of my credit cards are through their bank. I will never open anothe! r card through their financial institution. There are too many banks with good reputations to deal with this kind of a business

	Sue Ready Minnesota Complaint_against: WFNNB Complaint: I too have had a horrible experience with this company. The harassing phone calls on Sunday, at work. The company just wants to bully the consumer into paying. I owe 2 times the amount I charged, already paid the debt off. By the way Doug. I own cars, a house, land and own NOTHING! I work hard for my money. This company is a discrace to all of us hard working Americans. Where do they come off thinking that just because they are bullies they deserve to live in Mansions, expensive vacations ect. You are part of the problem Doug! Get a job were you actually make a positive difference. The executives of this company need to learn what actual positive actions for a society. I suggest we all protest this company and other credit card companies that take in bucket loads of money, only because they are good bullies!

	anon Complaint_against: WFNNB Complaint: Well, I got a good one for you. I have spoken to them regarding the accounts and even mailed correspondence listing check numbers showing what checks will be sent and when. WELL!!!!! Needless to say they call me everyday nonstop 4-5 times, from different numbers thinking they are slick....NOT!!!!! (by the way this is illegal in most states)I'm in NJ and you can only call 2x's a week not a million times a day! Anywho I stopped answering the phone. ( I was a collector for a living so I know the protocal!!) In the stores the people are wonderful,on the phone they are rude and very nasty.I agree with a lot of people, they should have you pay via a website but they will probably charge you $10.00. I cancelled all cards with them!!

	Mackey EmailAddress: MackeyB@yahoo.com Complaint_against: World Financial Network National Bank Complaint: I quit complaining about these people and just started ignoring them. They can't get blood from a rock, only harass you until you cave. Don't let them. They aren't going after you if you really don't have the money. Just relax, and pay when you can. These idiots will continue to call. Get an answering machine with their credit card. Prosecute? Nonsense! THEY will be the ones paying if they keep up the BS. Hard times come on good people too. They are rich, you aren't. Please, help me stand up against these people by sending them the message that we won't be bullied into paying with our rent/food/life sustenance. They issued the card on risk! They took a risk too. They must learn that their rich company will survive without your meager pennies, BUT YOU WON'T. Who's more important? YOU ARE! I AM! GO POUND SAND WFNNB! I'll pay when I can! JERKS! Mack

	Jolene Olkin Martinez, CA EmailAddress: doctoroh723@gmail.com Complaint_against: WFNNB/Shop At Home Complaint: Apparrently Shop At Home went out of business and WFNNB took over all their accounts. I had gone on the Shop at Home website and made a one time payment of my minimum. I accidently checked no more paper bills, so not only did they not send me bills they did not even send anything elctronically. They began to call incessantly from early in the morning to into the evening, multiple times a day, Monday through Sunday. They even dragged my husband into it. I am deaf and he answers the phonecalls. They were rude, demanding, nasty, obnoxious, inconsiderate, and everything they are to all the other people. My husband sent a payment to cover two back months and started me again on paper bills. The check was due by 12/16. They called on the 17th and said they had never recieved it and threatened to charge an additional $29.00. My husband checked the online copy of his check which shows it being processed by their bank on the 15th of December. I am considering turning it over to our lawyer for a consult. Can't wait for their next bill to see what they have done. If there is anyone else who has experienced such fraud from any aspect of this bank, perhaps we should band together for a class action suit against them? Email my husband at the above and he will be my spokesperson. Thanks.

	Brendan ape Cod, MA Complaint_against: World Financial Network Natonal Bank Complaint: About a week ago I started receiving calls from this number which I later identified to be WFNNB. When I did not pick up, the caller left no message. When I did, the caller repeatedly asked to speak with "John". After I told the caller several times that there was no John at this number, they still continued to call. After reading previous posts, I am concerned that somebody may have used my phone number as part of their information for a credit card. I'm assuming the repeated calls with no messages means that this bank is trying to recoup some owed money. I don't know what to do. I've never had a credit card in my life, and these people don't seem to care that the person they are looking for is not at this number. I want the calls to stop. Is there a way I can force them to stop calling, i.e. like the do not call list? I don't understand how they got my number. It's not even a land line, it's a cell phone number!

	Phyllis Complaint_against: World Financial Network National Bank Complaint: This company has called me more than 8 times in a day. And in the past 14 days I have had over 59 phone calls. This is no joke, they are logged in my cell phone. I have only missed one payment and already discussed with them that I would pay them on my next payday. Very annoying.

	Lynn New Hampshire Complaint_against: WFNNB Complaint: These people are unbelievable! I got involved with them through Ann Taylor who totally messed up crediting my account & credited the wrong account. I have been harassed, most rudely, by WFNNB. Five months later I am stil fighting with them. I'm prepared to take them all the way to court. Beware!

	Pam EmailAddress: phunter1@juno.com Complaint_against: Complaint: I received three calls (at work) from WFNNB about a Chadwicks account I do not have. The first time the lady was nice and verified my information was not the right person. After I got off the phone I called Chadwicks to make sure I was not crazy. The next call, the man was rude and would not give me the SSN he was looking for. When I asked him to speak to Chadwicks customer service he hung up on me. Today I got a third call and I was so angry I asked to speak to a supervisor. He refused and asked me to verify my SSN; I refused and hung up. Now I know there is another person with the same name in my city, but after two times of me telling them they have the wrong person I would think they would finally get the message.

	Louise Complaint_against: WFNNB Complaint: This company or bank is very annoying. Every time they call to ask for me and I'm not home , the person on the other end is very rude. They will not leave a message with the person to let me know they called. They just get grouchy and hangs up in a huff. My family is now at the point where if they see the number come up on our caller ID they will just ignore the call. They just don't want to deal with the person on the other end. Also, if the call is that important to them maybe they should leave a message. I'm not saying I'm perfect, due to the fact I have been late on a payment, it's just rude for them to treat people the way they do. Maybe if we just called them back at least 6-7 times a day they would see how it feels to be harrased by numerous phone calls.

	jim Complaint_against: wfnnb Complaint: My wife and have been recieving harassing phone calls from the mental midgets at WFNNB in refrence to A item that was returned and another item that She never recieved from a mail order house. My wife has spoken to thier alleged supervisors at least 10 ten times and got different ansewrs each time . They have yet to provide a reciept for anything . Yet each time we ask for a supervisor the phone agent gets very nasty so the last time that I spoke with one of thier bugger picking idiots and demanded to speek with her supervisor she hung up on me.

	Anonymous Complaint_against: WFNNB Complaint: Fool me once, shame on you. Fool me twice, shame on me! WFNNB dropped the ball, the first time and lost my on-time payment for my first ever balance on my VS credit card. I had proof the money cleared my account. I jumped through their hoops to resolve the issue (e.g., write a letter and send copy of cashed check). Received a letter stating they were sorry for the mistake and my balance would be restored to zero. Low-and-behold I get my next statement and the balance, lates fees and finance charges were all still there. Give it time.....next statement comes and STILL the balance remains. And, let's count them, that's two times they've dropped the ball! Call customer service number on my statement........."we can't help you with that". Great, now I have to waste my time writing another letter. It is a shame that a credit company cannot take better steps to ensure that their cardholders credit remains intact. If this had been left unchecked my credit could have suffered because I would have been "delinquent" in making my payments. When in fact, I paid everything ontime and in full and it was just the bank that screwed up and lost the payment. I'm not even going to go into what it was like to be called by WFNNB all hours of the day, all days of the week.........to collect on a charge I had paid. What a joy! And the caller was very impolite, to boot! I will be canceling this card without further delay and NEVER will do business with this company again if I can avoid it.

	disgruntled California Complaint_against: World Finacial Network Bank Complaint: My wife has been receiving calls and harrassment from this bank over an account which we never had. When you look it up on the internet, the woman it is named for has a different middle name and address. We never had an account with this catalogue company, have never ordered anything from it, and are treated rudely by the personel of this bank. They say they have sent forms for us to fill out, but we have never received them. They probably made an error in the entry of the social security number and are blaming my wife. Why should our great credit be screwed up because of their error.

	R Complaint_against: WFNNB Complaint: So I have had quite the experience with these people. I had three cards opened under them that were fraudulent. They all go along with the other ID Theft things I have had. So back in May I called and reported all of this. They said to fill out, notarize, and send in the affidavit that they would send me. I recieved it and sent it in. They tell me they never recieved it. This was in December. So they sent me another one and told me to fax it for quicker response. So I did. Again, they say they never got it. An investigator called me and accused me of trying to get out of my finacial responsibilities and basically calling me a liar. They call me all the time. Also, their call center people advised me to make a payment to hold the account while I was waiting on the fraud investigation, telling me that when the account was deemed fraud, I would get that money back. I later found out that paying those small amounts was an admittance of responsibility and legally I am ! responsible for the accounts now. I'm currently writing a dispute letter which one of the ladies told me would get the calls reviewed and if thats what happened, the bank would be responsible. I hate them so much.

	Tom Augusta, GA 30909 Complaint_against: World financial Network National Bank Complaint: HORRIBLE HORRIBLE HORRIBLE, They do not research who is applying for their cards. Then they harrass the phone numnber that the applicant used to get the credit card. Even after telling them 10 times that the person does not belong to the number they still call. A+ for persistance in annoyance. F- for documenting that the party does not belong to the phone number.

	Terry Hartford, CT Complaint_against: World Financial Network National Bank Complaint: STAY AWAY! They issue credit cards for stores like Victoria's Secret, Limited, Dress Barn, and several others. They claim that I charged merchandise on my account but never sent a statement. A settlement offer came in the mail and I called the Account Audit Manager immediately. I explained that I would be willing to pay whatever I owe, but I want to verify that I made the purchases. He stated that he didn't have any specific information about the account. I asked him to send me a copy of the statement. (Which I am entitled to by contract and law). Never heard back from them until the account was referred to a 3rd party collections agency. I've made repeated requests for verification of the supposed debt, but no one will give me dates, times, amounts of purchase/s. I've been harassed at home and at work over this and WFNNB doesn't care about resolving the issue. STAY AWAY! They are not a legitimate bank. Their Customer Service is non-responsive.

	Not Happy! Complaint_against: WFNN Complaint: I also had the 'pleasure' of dealing with the people at WFNN. I agree with everyone......they are EXTREMELY RUDE and unpleasant!!!! Having my eyes gauged out with a hot polker would have been more pleasant. They are nasty, nasty people!!!

	Leatrice Metairie, LA. 70003 EmailAddress: lkindred@cox.net Complaint_against: WFNNB Complaint: I had a Victoria's Secret card that was always paid on time for over 2 yrs. 3 yrs ago a stopped working after I had my first child so that I could care for her medical needs. I settled my account with WFNNB one month ago and called today b/c I haven't received confirmation of this transaction. The represenative very rude and informed me that they had no intentions of mailing me a confirmation until I called and complained about it. B/c if their delay I asked if it could be faxed b/c I'm trying to buy a house and I need this proof of payment. The rep replied " Well then I guess you should have payed it before 35 days ago and then you wouldn't be worried about a deadline". I spoke with this rep's supervisor who was even worse than the first and told me that she didn't care what was said to me and that she would not even review the tape of the conversation that I was complaining about. I will never get another card from this company again. They are training a bunc! h of rude/heartless leaches.

	Anonymous EmailAddress: nicdanor@aol.com Complaint_against: World Financial Network for National Bank Complaint: I have been receiving phone calls for this company for the woman who USE to have MY phone number. They've been calling 9 months and I continuously tell them that this is no longer her phone number. In the last 6 days, we have received 7 phone calls. Some calls have been as early as 7 am and as late as 8 pm. I've talked to supervisors 3 times and they have said that I should have told the people to take my number off ALL the accounts and I would not receive anymore calls. (Did I need to tell them that? I figured they'd think about that.) That was 2 days ago and someone called tonight. I've contacted the Department of Licensing for my state, and they will begin the investigation and process in suspension and finings on WFNFNB's business license. I have also contacted a consumer rights lawyer who has told me I have the right to sue for harassment, which I may to do. I have good credit and my family should have the right not to be harassed for some bum who does not pa! y her bills.

	Candice Passaic EmailAddress: lovelycandy32000@yahoo.com Complaint_against: WFNNB & Express Complaint: THESE D SONS OF A GUNS......... I am too through with WFNNB and Express... they are so quick to offer you credit but then leave you high and dry when you need help during hardships. I opened an account with Express around 2000, during this time I was a full time student and working part time, but when I was no longer working part time of course I couldn't make the minimum due. So I contacted Express to see if they would be wiling to work with me but to no avail, they could care less. So of course I was sent to COLLECTIONS WFNNB so after a few harrassment calls I finally ask my Dad for the money to put in my bank account to pay the balance that I owe. They were so quick to take the money out of my account BUT GUESS WHAT!!! The BULL is still on my credit report after 7 years and not only that, it doesn't even show that I PAAAAIIIIDDDDD!!!!! I am so HEATED!!!! Those Punks!!!!

	Cat Complaint_against: WFNNB Complaint: On 02/24/06 I recieved a call from this bank requesting to speak with my mother who recently had a stroke. This call was at 8:30a.m., I explained she was not in and that she was in a hospital recovering from a stroke. At 9:25 they called again, I repeated myself. They called again at 9:40 a.m., 10:45a.m. and again at 3:45 p.m. After the 10:45 call I called them back (*69) and explained the situation again for the fourth time. They told me my mother would have to write a letter for the calls to cease. SHE CAN'T WRITE, SHE JUST HAD A STROKE !. Do you know they called again at 3:45p.m. at which time I reported them to the Federal Trade Commission.

	P Tate Seattle WA EmailAddress: WFNNBsucks@gmail.com Complaint_against: WFNNB Complaint: Don't pay your bill online!! They will opt you in to only getting a statement via email. Not a problem if they would send the statement to your email address!! Never got one untill yesterday. Now the shirt I payed $25.00 they want $100.28 with late fees. They also dinged my credit score. Plus I had to change my address 4 times. I called the customer service number and reached Susan in India who was no help at all. Finally I get her superviser who was rude and talked over me untill I yelled at her and told her she wan't going to win this one!! She finally removed the late fees and today I go went back to get online and make sure she did this. Guess what I can't get online again today!! What a joke!! So I'm closing my Avenue, Lane Bryant and now my Eddie Bauer account. Anyone intrested in filling a class action lawsuit?

	Justin Troy, Michigan 48084 EmailAddress: jcarroz@hotmail.com Complaint_against: World Financial Network National Bank Complaint: I've had a credit card for Express stores for years, but rarely use it. I was shopping this past January and went to use the card. I was informed that I had a $100 credit on the card because at sometime in the past I had over paid, which is a not uncommon for me to have done. I used the card, the teller informed me that I still had a $15 dollar credit and I thought my business was concluded. I received a bill and a collections phone call some time in February saying that I owed them money. I quickly got in contact with a customer service representative and explained my story. The representative said that they had put the information into the computer and that someone would get in touch with me in the future. For another month I didn't hear anything and as the adage goes "no news is good news". This morning at 7:05 a.m. I received a phone call from a collections agent that was not only unprofessional, but rude. He informed me that no notes were in the system regarding my customer service call and that my payment amount had increased. I find it outrages and insulting that this incident so now on my credit history and that I must continually waste my time with this nuisance. I encourage every one with a grievance to write Express directly so that they my better remediate the actions and behaviors of their credit card provider.

	Anonymous Versailles, KY, 40383 EmailAddress: kay_curtis57@hotmail.com Complaint_against: WFNNB Complaint: I have credit cards with a couple of businesses that use this institution. They call me about 8 times a day. I have no outstanding balances due so I figure they just want to sell me something. The earliest they called was 8:30 am. The latest they called was 8:30 pm. THAT is illegal, the last I heard. These people are the most obnoxious, pushy, ill-mannered bunch I have ever dealt with and there is no way they are going to sell me a thing.

	Jennifer Corotis columbus, ohio 43206 EmailAddress: jca10c9@mac.com Complaint_against: world financial network national bank Complaint: received a phone call from World Financial Network Bank late on Friday March 17, 2007 telling me I have failed to make payments for two months on a Eddie Bauer account and The account was opened while at their outlet store in November 2006 with a grand charge of $78.00. When I got off the phone I looked everywhere for any statement from Eddie Bauer. None. Checked emails. Nope. When I called back last evening to find out where this BANK has sent my bills, the person (with a very strong accent) refused to provide my address as she stated for me to tell her and she would tell me if it was correct. I called back today just to see what additional information I could get from this bank. I also wanted them to continue to refuse my request to know where they sent my statements because I wanted it recorded (of course, I made that statement before I turned on the phone recorder). I think I know a grift when I hear it. She had a very strong accent as well but from the other side of the world. And she said the same thing, I mean same word for word script as previously stated. So the bank made $36 on me and EddieB lost a customer (plus is receiving a lot of bad publicity). Anyone interested in filing a petition for sanctions or a class action suit against this scam please contact me. Maybe the bank will be willing to pay back every penny of late fee charges? Haha.

	Samantha Brooklyn , NY EmailAddress: manta1107@aol.com Complaint_against: wfnnb Complaint: I have paid this account off since 3 years strong now and still i have not received a letter stating that the account is paid off in full. I don't understand why all my information is on my creditreport for other people to see but there is no information about these agencies that have you sending them your money every month. I would like some information on this particular agency so that i can get a payoff letter to report to the credit agencies that i have paid this bill since 2003. I hate the way it looks on my creditreport as if i'm not even trying or i haven't tried yet!

	Sarah Complaint_against: WFNNB Complaint: Did not contact me about a balance of $28 for 3 months, and then didn't leave messages. Assumed the number was solicitors so did not return. Charged me late and processing fees of $70, after not ever informing me of the late balance and screwing up my credit.

	Amanda California Complaint_against: World Financial Network National Bank Complaint: I had a Crescent Jewelers Gold Account that I paid religiously. For this reason, in October 2006 I was able to upgrade to a platinum account, which I used to PAY OFF my gold account. About a month later, I received a zero balance letter stating that I had paid off my gold account, but I started to wonder what was going on when I didn't receive a bill for my new platinum account. I waited until December, and still no bill. I contacted Crescent Jewelers with my name, social security number, address, everything. I did not have an account number for the platinum account because I hadn't received a bill yet! Crescent Jewelers said they could find NO RECORD of my platinum account, and all they had record of was that I had paid off my gold account. They said I would have to contact the store where I made purchases. I contacted my local store, where I had done all of the paperwork, and they were also unable to find ANYTHING related to a platinum account. One of the salesgirls said she vaguely remembered me, but still, there was nothing they could do. They searched ALL of their files, thinking it may have been misplaced, but found nothing. They said there was nothing further that they could do. Still I contacted them again in February 2007, had them run my information again, and STILL nothing. Then lo and behold, now at the end of March 2007, I am getting NUMEROUS phone calls a day from WFNNB. I have explained this to them, and all they can do is waive a few of my late fees. That's it. They expect me to make four months worth of payments right now. There's a reason I am making payments, and it's because I can't afford to make that many payments at once! My husband was out of work for two months, and I'm pregnant. But these people are so rude and hateful, they just don't care. My husband and I are already going to file for bankruptcy. His being out of work has really damaged our credit, so I don't plan to pay WFNNB anyways, but I still cannot believe that a company like this is still in business. All of the stores who work with them are going to lose customers. I hope that someone puts a stop to WFNNB soon!

	J Complaint_against: wfnnb Complaint: Ok, I got a credit card for the Dress Barn, I was religiously paying it off, and did not really owe to much, then my landlord raised my rent, because of high heating costs, and my boyfriend took another job else where, and I was left having to pay the whole rent myself, and no longer had the extra money to keep up with all the bills I paid, so I got behind, and of course do I not pay the rent,no I pay the whole rent, and the lesser of the two evils was not paying the credit card because the prospect of living on the street was not one I would of picked. So today I get a calle from Agent so and so, in a threating manner, and a loud tone in her voice, and if she thought that was going to get her anywhere it was not. Considering this was the first call I have ever recieved. Oh I will have to borrow the money and pay the evil one, but she is the one that will go to one hot place for being so nasty. I am not one to shirk my financial responsibilities, but sometimes! it happens. don't these vulchers know you get more with honey than you do with acting nasty.

	Jessica WISCONSIN EmailAddress: jessicalbarrett@yahoo.com Complaint_against: World Financial Network Bank Complaint: Recieved a call Sunday But was not home, My father answered the phone Poor customer service asked to take a message of what it was regarding THEY SAID NO and hung up the phone.. Not only do they have the poorest speaking english i have ever heard but they rudeness is un called for i finally got ahold of them by calling them seems i never got a billed sent to me so of course they won't give you any leway! so i paid it not the bigest deal but Honestly what HORRIABLE the WORST customer service when i called to activate my card.. The man David or something or another i know they have to use fake names but he wanted me to sign up for a payment protection plan i got scamed into once and let me tell you i said not but somehow the recording said yes when turns out they aske you to verify your last name or house number and use that to say you said yes to the payment protection plan... always say NO i will not verify that with you!!! if they have already asked you about that payment ! protection plan you verified it was you earlier. I wish this company would get a boot up there ass and be shut down they are ruining the Name of good compaines. That don't need that customer service brought onto them! World finanical network Bank has the most complaintes i have ever seen on the BBB.. Check it out for yourself www.bbb.com FIle a complaint with them and see if anything happens!\ Peace and love to the haters of WFNB
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	Nancy Dix Cleveland Ohio EmailAddress: techgrad1961@yahoo.com Complaint_against: World Financial National Bank Complaint: Today my retired husband received a call on our line for our grown daughter who has moved and had her land line disconnected with calls forwarded to us. Some rude woman said well this is the number we have for her....what is her cell phone number (my husband did not tell the woman our daughter even has a cell phone..it was just her asking)--he said he wouldn't give it out and she said you HAVE to give it to me--he replied, I don't h