World Financial Network National Bank

I received a letter today stating that my MetroStyle credit card has been suspended pending completion of their investigation of potential security concerns and/or irregular credit card transactions. I am supposed to call 1-800-888-1726 to discuss my credit card account. If I don't contact them in 30 days, my account will be permanently closed. This sounds very suspicious because until today I have never heard of World Financial Network Bank or the MetroStyle credit card. I do not nor have I ever had that credit card or done business with that bank.

The second sentence in the letter mentioned "a review of your above-referenced credit card account" but there is no above-referenced credit card account in the letter. They had my correct name and address. The letter was not signed and had no name on it. At the bottom of the page, there is an address to send bankruptcy notice/related correspondence to. On the back page was information about the Federal Equal Credit Opportunity Act and special notes for Massachusetts, Ohio and Washington residents. It looks like an official letter, but I do not know anything about this bank or this credit card.

World Financial Bank keeps calling me at work even after I have told them to not call me. They constantly call at least 20 times or more a day (back to back). I am currently working with a debt management firm and have told them that, but they keep calling. I don't know what to do.

World Financial Network and Express Clothing - I tried to pay an account (Express cloth) on line, not an option on expressclothing.com. I tried to pay in person at store with bill. They would not accept payment because I didn't have my driver's license. I was hospitalized and lost my job. Calls started from WFNN, 3-4 times daily, have now reached 20 or more a day! The purchase I charged at Express was $36. The amount owed with late fees and finance charges is $260! Purchase was 9/21/11.

I have a credit card through Catherine's. I pay my credit card usually more than the minimum amount due. However, 3 months ago, the company that I work for changed the days we were paid. I notified my bank, I have direct deposit. However, my check did not go into my account. I was able to track my deposit down however, it took a few weeks. I notified Catherine's that my payment would be late.

However, within 3 days, World Financial Network Bank began calling, at first 2 to 3 times a day. Then it got up to 5 times a day. I work a distance away from where I live and leave at 7:30 to 7:40 in the morning and return home between 6:15 and 6:30 PM. So the people I live with were burdened with the calls, they would ask that whoever was calling leave a VMM and I would return the call, either that night, or the next morning. They never once left a VMM! I hate World Financial Network Bank. My account is now caught up. They do not need to call!

I have received a call every 4 hours every day from World Financial Network Bank. The phone numbers they are using are: 303 255 5347, 610 295 5284, 814 414 0782 and 913 677 8319. The big problem is, I am 12 years old. My mother has called so many times to get my cell number off their system but they won't stop calling! What do we do about this? My mom has said she thinks she needs an attorney to press harassment charges. Can anyone help?

I signed up for Marathon Visa card with World Financial Network Bank. They advertise a very aggressive rewards program. Up to $0.25 per gallon, if you spend over $1,000 per month. They do not post your rewards balance on your statement. When I called to check on why rebates are not posted on statement, they said they were going to correct that, but when I asked my rebate balance, it was about 1/20th of what it should be. They said I was using it for commercial use, but could not provide proof of that.

Their phone system is deliberately set up to make it hard to reach an attendant. I could have used a legitimate rewards card, like my Chase Freedom card, or Chase Ink card, and I would have earned $300 to $400 in rebates for these purchases. Instead, Marathon Visa promised higher rebate amounts, but didn't deliver. They denied me what I calculate to be about $714.28 in rebates. I suspect I am not the only one. It is very fishy why they would not post your rebate totals on your statement.

I paid my bill in full with WFNNB (Goody's Family Clothing) at the beginning of the year. Shortly after I did I receive a statement through the mail that I overpaid and I was entitled a refund of $100 plus. I never received my refund; instead I started receiving collection calls every 30 minutes stating I owed $349. I have told them several times I paid and was due the refund. They also continued to call my home phone number and I have asked several times for them to stop calling my home number. They refused. I need help.

I received paperwork in the mail which asked me to respond. When I called the first time, they pretended not to hear me. When I called back, I was disconnected. When I called for the third time, they asked me for my social security number. The reason for this paperwork they said is that if I do not contact them, they will release personal information that will include my social security number and income, account balances and payment history, and my credit history.

The WFNB is used by many retailers and other organizations for the purpose of handling billing and other financial services--in this case, Peebles, a department store in Chestertown, MD.

In the last six months, my stepfather, who is now 100 years old and partially to almost fully deaf, made a purchase. He always pays his purchases and even many of his bills with his credit card. I must assume he got confused when the sales associate asked if he had an account with Peebles (offering to do a deep discount on 'today's purchases' if the customer signs up right away). I can't say what took place exactly, but somehow, he ended up paying for his purchase with a Peebles credit card, and not his usual VISA or MasterCard credit card.

We can't seem to find the original invoice. I am going to assume that he paid it (I do remember a similar call several months ago from the same source, the MSNB), although he must have paid it late, because there are no purchases listed on this due-in-June-11 invoice. The June invoice lists a $13.98 late fee and $14.98 listed as "fees charged." So, now, he is being double-billed for I do not know what. All it says is "Fees Charged $14.98" which brings the balance of that bill to $28.98. In addition, on that same bill was another pending fee of $25 if he did not pay his balance (consisting of late fees on top of late fees).

He remembers trying to pay over the phone using his credit card but the bank (WFNB) would not accept a 'credit card to pay another credit card.' Unable to resolve the issue, he set the bill aside.

Today, we received an early morning call with an agent from WFNB, politely demanding for him to pay over the phone. He got confused and hung up. I continued the conversation a few minutes more, explaining that he can't hear very well, and that he is a senior citizen. She was very insistent that we pay right away, but you don't push my stepfather around like that. I told the agent that I would try and locate the invoice in question, then sort things out. I hung up the phone and went in search of the invoice, which I found deep in a pile of papers waiting to be filed.

So, I found an invoice. On it were the items I described above: a $13.98 late fee from his previous transaction; another $14.98 in "Fees Charges" (whatever that means) and a dire warning that he would be charged another $25 if he did not pay this bill on time (June 2011).

I found this absurd beyond reason so I called the bank (WFNB) to ask them what exactly these fees were for, especially the $14.98. The agent refused to speak to me about the account because my stepfather refused to give some stranger the last 4 digits of his Social Security number. My stepfather was growing upset at this point (his hearing gets worse when he is upset) so all he could do was to tell the agent that I had his permission to discuss his account. The agent insisted on having the last 4 digits of his SSN.

I then asked if we could close the account. I handed the phone to my stepfather so he could confirm that he wants the account closed. I took the phone away from him before he could hang up to confirm that the account is now closed. I asked what the amount of the final invoice would be and she (the agent) refused to give me that information. I threatened to go to the Better Business Bureau and explain how they were taking advantage of a senior citizen and charging excessive late fees, undefined additional fees, and more late fees for paying the late fees not on time. She did confirm that the account was closed effective immediately (today is August 25th).

After speaking with MSNB, I called the local Peebles store and asked the manager if he could help us out. After listening to my story, he was kind and thoughtful that he offered to contact the MSNB and try and get the late fees waived. I am now awaiting for his return call. If he is successful, we will be able to throw the bill away because it is nothing more than 'air money.'

MSNB is charging exorbitant fees to customers who make all the right efforts to pay their bills. They are adding charges on top of charges so what was once a small purchase, of perhaps $20 or less, is growing into a behemoth. They must be stopped from harassing people who do not pay these suspicious fees and be penalized for charging excessive fees. In addition, they should be reprimanded for taking advantage of the elderly, confusing and upsetting them.

World Financial National Network Bank provides credit services to customers of Z Gallerie Furniture among other retailers. A purchase from Z Gallerie placed on credit through them with WFNNB was paid monthly on a regular basis until it should be paid off based on our calculations. Some small amount, as I recall, between $10.00 and $20.00, was said to be outstanding.

We contacted WFNNB to resolve the matter and paid the outstanding balance. For reasons I don't understand, a small balance owning still appears on the account, which is then charged late fees and interest even after we've called twice to resolve the problem. I have documented, when I called, who I spoke with, their ID numbers, along with the claim by WFNNB that the next invoice would reflect a zero balance. The zero balance has yet to be achieved in spite of my efforts.

I am disgusted beyond belief with this company and the way they treat their customers. My headache began with not paying my bill last month. Now this past week, I have been receiving calls every day all week at 8 am. It's like they get to work and start the harassment. My account is not in collections. I intend on making a payment, but the more they call, the less I want to deal with them. Their customer service is absolutely lousy. They are all Indians, not American citizens from what I find. They lecture me about cursing, but then they want to harass me at 8 am every single day for something which really is no big deal. I have spent an hour today trying to explain to them this situation, but obviously, I am not dealing with very intelligent or bright people.

I do not even have the emotional patience to deal with this. Stay away from this company at all costs. Their fees are ridiculous. They will harass you to no end. They are a horrible company. I have a $1000 balance on my credit card, but after complaining over and over again to them about their treatment and seeing no improvement, I have no choice but to get rid of the problem, which is these people, this so called company that could care less about consumers and their disgusting business practices.

I'm writing in hopes that you will help me to solve my dispute with the World Financial Network National Bank. In August 2009, I was billed twice for the same purchases in the amount of $78.40. One of the statement belonged to the above noted credit card account **, which was never used to pay for those purchases. Moreover, the items were completely and timely returned to the store. I continuously, everyday, morning and evening, receive telephone calls harassing my family as well as statements demanding payments. I've sent numerous letters and tried to call to explain the situation but to no avail. I have a grandson who is very sick. He does not sleep because of those morning and late evening calls that wakes him up. I, myself, am already emotionally destroyed. Every call and mail delivery from the bank affects my heart. Moreover, they spoiled my credit history, which was excellent before they started billing me for the money I do not owe.

WFNNB has placed 2 unauthorized and unlawful credit inquires on my credit report. I have made numerous attempts to have WFNNB removed the unlawful credit inquires and they have made no attempt to do so. I have contacted them via telephone several times and I sent them a certified notarized letter on 4/8/2010, asking them to remove the inquires. I have received no information about this from them and they have made no attempt to contact me. I am unable to get anyone on the phone that is willing to help me. The inquiries are still on my credit report. These unlawful inquiries are lowering my credit score and I am less likely to be able to receive credit from new companies due to these inquires.

I have a Metro-Style Credit Card that owned by World Financial Network National Bank (WFNNB) they are demanding card holders to pay a processing fee if they do not go paperless. I do not always have access to a computer and if I don't get a hard copy bill I'm subject to forget to pay. I am disable I asked the bank to wavier the processing fee and they said no. this is unfair consumer practice. Can anything be done about this?

I'd like to find out if it is legal for a credit company to now begin to add a charge for paper statements. Blaming the fee on the recently passed law that necessitates a longer 2-page statement, WFNNB says "register for paperless" or pay the fine. As if they couldn't take any increase costs out of the interest that they collect at the present time! I will now have to pay $1 every month for any store credit card that's been issued by WFNNB, because I don't own a personal computer.

A telephone internet rep tried to force her services on me, telling me she was trying to "help me." She began screaming into the phone very loudly at a very high octave, and she kept cutting me off. And she never did do anything that she asserted. She was very angry and raging, and her energy caused me a headache.

And when I reported her to a manager, he offered me a twenty dollar gift card, and I told him that it seemed like she had another agenda, and I had to remind him of the purpose of the call originally. This company is exploitative, and the customer service is very poor. Every time I call to pay my bill or set up online bill pay, they give me red tape. And i still haven't paid a bill since this summer, because the customer service start fights with me or they just won't take the payment electronically or over the telephone. They urge me to mail the payment or go into a store, causing me stress and inconvenience.

Amn getting notices about accts with Woman Within, Blair, etc., companies they own, that they are going to start charging $1.00 per month for sending out paper statements for their bills. If you don't have a computer, or don't want your bills sent online, your acct. will be charged $1 extra/month. People should be made aware of this change.

I have had the displeasure of calling about my Victoria's Secret card three times. Each time it has taken me at least five minutes to make it through their automated phone system into the queue for a customer service rep - just to get in line. This last call took 6 minutes and 18 seconds just to get transferred into the queue. When I opened the account in '07, I signed up to receive online statements. Just as I have with every single bill I have that offers the option, but unlike those other companies I deal with, I have never received a statement for my VS card.

Each time I have called about it, the customer service rep has assured me that they have been emailing me and I must not be checking my email/junk folder. This email is my main email for work, school and family - I have to check it several times a day and I know enough to check my junk mail folder every time I check my inbox. Still, they insist that I am doing something wrong. This is the first time I have been late (by two days) making my payment, despite a complete lack of reminders from the card company. Finally I convinced the customer service rep that I'm not a complete idiot and that I do, in fact, know how to check my email. After having to argue with her (really? yes.) she set my account back to snail mail statements. Hopefully they'll come now.

After being rude and implying that I'm dim, she actually tried to sell me some lifestyle credit nonsense. I had to tell her three times that I was not interested. Finally the call should have been over and I was waiting for her to disconnect so that I could take the customer service survey at the end, but she just stayed on the line. Finally she asked what I wanted - she was rather snotty about it - and when I told her that I was waiting for that survey she said Oh. and click, she transferred me without another word. The phone system is miserable to get through and once you do make it to a CS rep they all (at least in my experience) are rude, impatient, fail to listen to the customer and only grudgingly help - and then only if you argue with them long enough. Terrible customer service.

I was assessed late fees and will probably see late payment on credit report.

I made a purchase with dressbarn an affilate of World Financial Network National Bank on 07-18-2008 for the amount of 26.00. The company elects to send there invoice electronically via email. I did not receive an invoice via my email until 09-24-2008. The invoice stated that I was 2 months deliquent on this account. When I received this statement I could not believe that this account was 2 months deliquent. I have always paid this account as soon as I got the bill and never made installments payments, I have always paid this account in full. When I called and explain my problem to the customer service office thay explained to me they could only take one late payment off.

This same issue happened to me with another company that uses this company to service there credit card account. The issue consisted of about the same dollar amount and once again I did not receive a bill until 2 months of deliquent charges was placed on my credit card. For this issue I went into the store to complain to the store manager. As I approached the service counter another customer who I have never met before was complaining to the manager about the same issue that I was having. This is not an isolated problem.

Appartently, this company is having issues with sending out invoices via the internet. This is a problem that the company knows about and has not taken care of this matter. They are stealing from there customers by charging them unnecessary deliquent fees. This is very coinsedential that the same issue has happened to me twice for about the same amount in funds. Please invesigate this company.

I would like for all deliquency to be refunded and for my credit rating to be returned back to original credit standing. excellent

I purchased an item from Friedman's Jewelry including the purchase of a lifetime warranty on the item. I used my Friedman's credit card. I received a letter from World Financial Network National Bank advising me to destroy all Friedman's Jewelry credit cards I have. The item I purchased is broken and I have contacted customer service at World Financial Network National Bank discussing that the credit card is to be destroyed and I have a lifetime warranty on this item purchased. I was given a customer service phone number by World Financial Network National Bank to reach Friedman's warranty.

When I called that number I was then told that the number I was given was indeed the warranty department, however they only addressed two year warranties and that my lifetime warranty was now void. I called World Financial Network National Bank back and spoke with another customer service rep and explained my case in full. I also, NOTIFIED THEM OF THE BILLING STATEMENT THEY SEND TO ME MONTHLY HAS A STATEMENT ON THE BACK OF IT EXPLAINING HOW I COULD POSSIBLY NOT BE LIABLE FOR ANY CURRENT CHARGES IF THIS TYPE OF MATTER WAS EVOLVING WITH THE MERCHANT. World Financial Network National Bank then advised me that I was correct, however I had to send in an enormous amount of paperwork to show this type of problem.

WORLD FINANCIAL NETWORK NATIONAL BANK then offered to eliminate the amount of the warranty that I had originally paid and as I explained that just was not fair. The interest on the amount was way more. I feel that I should no longer be liable for this account being that my receipt shows I paid for the warranty and WORLD FINANCIAL NETWORK NATIONAL BANK monthly billing statement s they send out says that I possibly will not be liable if I experience this type of problem. I was told that I have to continue to pay the remaining bill with interest and if I do not do so that this will reflect on my credit report and affect me mentally and more. Please help me in advising me on what to do.

Pu native damages, stress, absence from work trying to resolve this matter, and more.

helping with hardship has not been true. I was told that my late fee could not be removed I was told today that a collection rep could have removed the late fees. This bank needs to have an audit regarding helping customer who are behind. the bank has charge me close to $261.00- $285.00 in fees. What was the purpose of me giving them my bank account number to post date payments? This has been going on since Dec of 2007. I had death in the family. I called them to let them know. I tried also to use my credit insurance and they cancelled me.

I have been treated very unfairly. I have been depressed because I have been trying to recover from three lost a Business partner and two family members with no insurance.

The end of October of 2007, I applied online at Chadwick Of Boston for Credit Card since I spend about $200-500.00 on online purchases and was recommended by one of their representative to do so as well. So I applied for the credit card which is provided by World Financial Network National Bank; then I received a rejection letter dated November 8, 2007 that I was rejected due to having poor credit performance with Lane Bryant. I never had a account with them. On November 16th, I responded to this letter stating that there must be a mistake and asked them to take another look at my application. As the same time I asked for my three credit reports, and there is nothing on my three credit reports stating that I had ever had an account with Lane Bryant.

In the meantime, I went to the bank regarding my application. My credit reports came back faster than them responding. So, I looked up the bank's telephone and called it regarding my application, and the person that assisted me could not find any records of my application when I gave her the reference number from the letter. Just that fast my application was dumped. I was told that they do not keep these reference numbers long enough for an applicant to call about their rejection letter and to find why they are rejected. Now Chadwick of Boston and Lane Bryant credit cardholders are under the same bank. I was highly recommended to re-apply due to this happening often, per the representative who was trying to find my application. So, I applied again and received another rejection letter for a completely different reason and different reference number. Now this states that I was rejected due to limited credit experience, excessive obligation not in use, lack of open accounts, and excessive obligation in relation to credit limit. None of these make sense.

I purchase a dress for my daughter on 1/19/2007 at Ann Taylor San Francisco Store. After discount and 10% credit for opening a charge account the price reduced to $92.26. I paid the entire balance on 2/14/2007. On May 2007, I received a letter from Ann Taylor Card Holder Service, stated that When we checked our records for your Ann Taylor account, we found that we made a mistake, we credit your account with another customer's payment of $52.26. To Fix the mistake, we added $52.26 back to your account balance. The correct amount you owe us will be on your nxt billing statement.

I have called and written letter to both Ann Taylor and World Financial Network National Bank explaining my story. It has been 6 months since I correponce with this 2 entities. I am still receiving billing statement each month with late fee and financial charges added onto my account. I do not feel that I should be paying for mistake that Ann Taylor's empoyee made, and I can not afford to keep paying for one dress over and over again. I think this is a scam to get customer to pay extra money and financial charges on the charge account. Please advise on the next step of communication. I would appreciate very much for your office to look into this matter, and deliver consumer from suffering unnecessary harassment.

I made a purchase on this card in May, they failed to send me a bill by mail or email for over 5 months or any contact for that matter. I was charged over $100 in late fees and interest because THEY FAILED to live up to there end.

This caused me over $100 in fees of which they credited me only $50. Additionally me credit rating has been severly damaged, as it now shows that I am over 120 days in arrears for this account. I would like them to correct the credit notices and refund the remaining amount.

On march 28,2007 i attempted to pay a parcial payment on my newport news account . they informed me that my account was under bankruptcy chapter7 . however, i never filed a bankruptcy . i asked when this had come about they told me they recieved a court order on march 2, 2007 .i asked for a docket number , where &what court this was issued from and no one was willing to cooperate , they told me that it was ''irrelivant''.

i was completely outraged because i never filed a bankruptcy at all .this could affect my credit report and ruin my life in a big way.noone wanted to give me the answers that i needed to know . i am not a victim of identity fraud , this mistake i believe is on thier end and someone needs to rectify this and iam at a nowhere with this .please help me !

they were very abusive with me .they caused me mental stress and no peace of mind ,afraid my credit is at stake and could affect my life in a big way .

This is a credit card account I got tricked into at Victoria's Secret. The Angel card was supposed to be a membership for special offers and coupons and such. I gave them my VISA card but they started this charge account and charged the $33.00 purchase to the Angel Card. By the time I received a bill, it had a finance charge already. I called customer service to dispute the finance charge, they refused to do anything about it.

By the time I gave up and just paid them the original charge plus the finance charges, they received it after the due date. So now I've paid $90 for a $33 purchase and I just received another bill for $43. I called customer service again and they refuse to do anything about it. I will again pay the finance charges on the finance charges to avoid negative credit reporting but I will never do business with Victoria's Secret again.

Jan 2003 I order merchandise from Chadwick's of Boston. Merchandise was received. I go about my life. May 2003 my tenant gives me a stack of envelopes from Lerner's. I haven't bought anything from Lerners in over 10 years, so I tear open the envelopes and learn that my Chadwick's purchase has been billed by Lerners, payment is long past due, there are over $100.00 in late fees and my credit rating is being threatened.

I don't make the connection between my January purchase and these statements because. I ordered from Chadwick's; the statements were sent to my old address (haven't lived there in 4 years); and are in my maiden name (I've been married 6 years). Still confused, I call the numbers given because I suspect identity fraud. I ask Mary in customer service about the bill and tell her of my concerns of identity fraud. She can't help me and gives me another number to call (1-800-888-5562).

I call. They can't help and give me another number to call. I call. They (Misty) can't help me and gives me Chadwick's address in Columbus, Ohio. On it goes and I'm no closer to having this resolved. I'm on the warpath. I call World Financial yet again and this time speak to Stephanie, Toni, some guy and am told I need to speak to 'Carol' because no one I spoke to will remove the late fees. Meantime, I've already written and e-mailed Chadwick's, who told me I need to deal w/World Financial.

No one cares that I did not authorize using my 10 year old Lerner's charge account, my maiden name and address. No one is taking responsibility for the screw-up Chadwick's made, which has the markings of an intentional act, since they managed to send the merchandise to my correct address, using my correct name. I've sent a check for the purchase to Chadwick's, because I placed my order w/them. I didn't know, nor do I care that they and Lerner's are the same company.

My wife and I purchased two new chairs from Kanes Furniture using their twelve months interest free financing. We never reieived a bill or our credit cards and just assumed they would send us a bill after twelve months. After a year or so we tried to remember which month we purchased the chairs. Soon thereafter we applied for a credit card and were denied due to delinquent credit payments. We knew this was not true and couldnt figure out why this was.

Three weeks or so later we received our first bill from a collection agency from within World Financial Network National Bank. We contacted WFNNB and were told that they had the wrong address and phone number but no letters (bills) were returned to them. After some research we found that all the information was right on the bill of sale from Kanes and was clearly their mistake. We also checked the address they were sending the mail to so we could ask the residents why they threw our mail out.

The searched found that this address did not exist. We contacted account manager Mr. , who told us that the mistake was theirs but we still had to pay at least eighty percent of the balance which included interest and late fees. We didn't care so much about an extra two to three hundred dollars but our credit had a black mark because of their mistake. They would not budge on removing this from our credit and told us that our credit wasn't that good anyway.

Three weeks later we received a call from WFNNB's legal department telling us that this is our fault and not theirs. We could pay eighty percent and still have this on our credit or pay the full amount and they will remove this from our credit. I told her this was blackmale and I was told to take it or go to court. My wife and I decided to just pay the minimum payment until we checked this out further and were told we could not make a partial payment only the full amount. I don't see how this can be legal.

After all this haggling we have a seven month late mark on our credit and interest and late charges are still building to the amount of almost 700 dollars.

I have a caredit card with this company. In January the payment went past due. I received a phone call at my work from the company. I cannot receive phone calls at work unless it is in the event of an emergency. I told this to the caller and they said that they can call me at work and they will call me at work. Then on March 5th I received another phone call from this company at my work and again I told them I cannot receive calls at this number.

The lady name Jody said that they didn't care and they would continue to call me at my work. I finally had to hang up on her because she was so rude. She would not let me speak and she was yelling at me. I then spoke with a lawyer and they stated that under the Fair Debt Collections Act that a collector cannot call you at work if your employer doesn't allow phone calls. I have filled a complaint with the Better Business Bureau, the Federal Trade Commision and the Attonery General's Office of Ohio. I would appreciat some action against this company's unlawful actions.

If they continue to call me at work, I can lose my job over it!