Victoria's Secret Credit Card

I made two purchases with my Victoria's Secret consumer credit card that I had for 10 years. Incidentally, I was practically begged to sign up for, because the sales associates are required to sign up so many accounts per month to keep their employment. This means that when you walk into a VS store, you're being scouted as a potential VS card holder instead of being assisted as a potential consumer.

These purchases were made in October and November of 2010. It was then that VS suggested that I go paperless, to save the trees. After that, I didn't receive a bill in the mail, nor anything on line. By the time I did receive a reminder, there was a late fee and past due fee on my account. I disputed it and they agreed. I made my final payment in January and requested to close my account, and wanting to save the trees requested not to receive anymore catalogs. I still receive catalogs and there is a 30-60 days past due on my credit report, as well as a drop in my credit rating for the very first time in my life.

The last time I was in VS was on 24 Sep 2011. I handed over my MasterCard and then recalled that I had points card with them. So I mentioned this to the cashier. I signed for the purchase on a computerized pad and walked out. Three months later, I've received a forwarded letter indicating that my VS account is overdue and I owe the original cost of $54 plus fees amounting to $30 as I write this. This would explain the random phone calls that began on 24 Nov 2011 from numbers in OH and CO, none of which left a message on my voicemail! These calls are coming twice a day now (29 Nov 2011), but I have yet to be at the phone to receive one.

I just tried contacting VS customer service and was informed that the credit card office is only open until 20:00 EST, entirely useless for those of us living on the west coast who don't want to waste time at work making calls to discuss personal finances. I am completely disgusted at this entire incident. The VS credit card should not be referred to as a rewards card, this is misleading. The cashier should not take a person's credit card and then charge to their VS account without informing the customer. I do not and have never had a physical VS credit card in my possession. Giving my cellphone number and signing an electronic pad should not be sufficient for a cashier to charge to any account! Fortunately, there is a 90-day return policy. This is the one saving grace of my situation. They can have their bra back and never have to deal with me again.

First, I tried paying online and they said that my checking account was closed. So they closed my account! My checking account was alive and well and I had to contact my bank and have them write a letter stating this. My account was opened again. The next month, I made another online payment and then got phone calls about 3x per week but they don't leave messages and I screen phone calls. So I have no idea who is calling. Then I finally pick up and they tell me that my account is invalid again! I proceeded to make an over the phone payment and they still charge me the $15 payment fee! I will never use this card again! I wish I could close it! It's the only account that has caused me such grief and is messing up my credit! I hate this card! Buyers beware!

I attempted to pay my VS card online and could not access my account. I asked them to send me my username and password, and they did. Even after using the information that they provided, I was still receiving the error message that my information was not found. I was forced to pay a fee because their system would not acknowledge me.

In January 2011 I went to Victoria Secret website to pay my VS credit card payment, my password would not work so I called the customer service number at the back of the VS card. The representative told me she would take my payment over the phone for a $15.00 charge or she would reset my password and I could make the payment online. I went online and paid off the entire balance. Because of all the problems I had in the past I called and asked them to close the card. Two weeks later I received a late payment charge because they claimed the payment was made late. I called customer service again and asked why the card was not closed since the payment was made in full. The customer service rep said that after I made the payment their was a late fee assessed after the payment was made. I explained I tried to pay it over the phone, no luck, they refused to refund and close the card. It is now August and I have received $225.00 charge for late fees added on to the $25.00 late charge. Victoria Secret customer service is by far the worst customer service I have ever experienced.

I have received over 400 calls from a company they have hired to recover this money that is adding up every month. I refuse to pay this money since I originally tried to make my payment and should not be

The sales clerk indicated that I would receive 100 points if I signed up for a Victoria's Secret Credit card on the day I purchased a bra. I indicated that I was Canadian at the time of purchase. I was not informed at the time when I signed up for the card that I was required to have a US checking account in order to pay my Victoria's Secret credit card bill.

When I received my first invoice, I went to pay online and it would not accept my payment. I contacted the customer service department and they informed me that I could only pay online if I had a US checking account. They would not accept a check from a Canadian account. The only option I had was to pay with a money order. By the time I could get to a bank to get a US money order and send it along with the payment, it was past the due date. I have been corresponding with Victoria's Secret and World Financial Network Bank regarding the situation. Victoria's Secret cancelled the service fees on my account; however, the World Financial Network National bank continues to send me bills for late fees (on a zero balance) and harasses me with automated phone calls, telling me I need to pay my account.

This is totally unacceptable. If Victoria's secret wants to do business in Canada, then they need to disclose that they require a US bank account in order to receive payment on a Victoria's Secret Credit Card. Considering they just recently opened a store in Edmonton, Alberta, Canada, I hope they have changed their policies.

I had already given her my bankcard to charge, so I did not know when signing the screen that she had charged it to my "brand new account" that I didn't open. She put my angel card in the bag and I didn't notice it until I got home. That's when I saw my account number and limit on the temporary card.

The salesperson asked if I wanted extra savings in the future with no obligation. She stated that with an "Angel Card" my wife or I could expect extras savings and information on sales. However, what she didn't mention was that this card is a CREDIT CARD. At no point did the term CREDIT come up. She asked for information, and then slyly said she needed my driver's license and social security # for verification. She was totally misleading, but reassuring that this was just a great way to save, no obligation. It was a total deceiving lie to issue me a credit card that I absolutely did not care to open.

Multiple credit cards can impact credit reports. And I simply do not choose to carry additional cards. After checking on the internet, this deceiving tactic seems to be a running strategy of Victoria Secret. There are multiple reports of people being equally deceived by this cloaked credit card referred to as the Angel Card.

I told her about my last call and how the woman took my account information and she said that THEY HAVE NO RECORD OF THAT! So I told the lady to cancel my credit card account and AGAIN went over my checking information. Of course this time it went through. How convenient!

To make a long story short, VS admits to me calling them 9 times to change my address not counting me changing it 2 times on the bill. They said I needed to call the number on the back of my VS card finally after complaining the 10th time. Why the hell didn't they tell me this the first time and why didn't they change it when I sent it on the back of the bill! This incident doesn't even begin to explain all of the problems I've had with them, but this was probably the worst.

VS agreed to remove the late fees, and I made a payment for the remaining balance due of $44.30. Victorias Secret was then supposed to submit a credit correction to removed any incorrect reporting activities. The account has a zero balance and all past due activities on this account should have been permanently removed. But when the Credit Bureau agancies contacted them, they said yes the account is 0 balance, but they don't want to remove the late payment history. Now I have a black mark on my credit report.

As we are in the process of building our credit history, having lived in the USA for 20 months, anything like a luxury Credit Card is not needed. We are looking to finance a house purchase with a mortgage and the net result of this was a decline in my credit score by some considerable margin. According to a mortgage company we spoke to, we have dropped into a lower catagory and are unable to get the lowest rate we were originaly looking at. This basic lie to get me to take their credit card could cost us thousands of dollars over the next 15 years!

I put in a change of address at the time I placed a charge. They did not update my address change and I therefore did not receive my bill. I eventually got notice and paid the bill.

They said they would take that off of my credit report since they failed to update my address, but it is still on my credit report.

Today I find a credit report denying credit for a Victoria Secret credit card. The fact is, I never knowlingly applied for this card. In fact, I was asked the usual question before my transaction and I said NO. It was then I was invited to fill out a form for future coupons and mail offers. I did so. Next thing I know I'm denied credit that I never applied for and the report will show up on my credit report.

On 11/12/01, I purchased one undergarment for $40.85 from Victoria's Secret using my B of A debit card. During the transaction, the sales associate asked if I would like to join their Angel Club to receive free catalogs and discount coupons. Without a second thought, I provided the associate with my name and address, which was being entered into a cash register, as I spoke. When asked for my social security number, I relayed the number then asked why was it needed?

It was too late! The associate was running a credit check for a credit card that I did not approve. Upon receipt of the credit card in the mail, I contacted the Victorias Secret Credit Card provider and asked that they remove the inquiry and credit card account that I did not authorize.

When I spoke to Sabastian at the Credit Company, he informed me that he could not remove my account due to a balance of $40.85. I informed him that this exact amount was debited from my B of A account so how could it be on the VS card? After calling B of A and looking at my receipt, I realized the sales associate never used the B of A card that I presented, but placed the transaction on the new credit card that I never authorized. I have been unsuccessful in my attempts to talk to a live person at the VS headquarters. I have left messages requesting a return telephone call since November 24, 2001.

Garri should write to the company, preferably via certified mail, return receipt requested, enclosing a check for $40.85 and directing that the account be closed.