Victoria Secret switched to paperless w/o consent and then didn't send any paper or emails bills. Was charged late fee's and reported to credit agency

ComplaintsBanksWFNNB

Complaint

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Steph
Country: United States
I've been an account holder for 8+ years and never late and always paid my balance in full. Some time in the past few months my Victoria Secret credit card (WFNNB) was changed to paperless statements with out my consent. I never received any paper or paperless bills. I got a call one day saying that I was past due 2 months and immediately paid the bill in full. I then came to find out that they also reported it to the 3 credit agencies after my loan agent told me that I had a negative mark. I immediately contacted V.S. to remove the late payments, charges and the negative credit report. They removed the late payments and charges but referred me to their mailing address since no one on the phone could get it removed and there was no department that I could be transferred to! I sent a letter to them and received the vaguest letter I've ever read in my life. Basically stating that they investigated the information and the account is accurate as currently reported on your credit file. This doesn't even answer the good will letter to remove the negative credit report.

I shouldn't be responsible for something that wasn't my fault in the first place. Changing to paperless statements with out my consent and never receiving any notification that their was a bill. They removed the late fee and finance charges but refuse to remove the negative credit for a loyal customer that was never late and paid on time. This has to be illegal and WFNNB is committing fraud.

I feel so emotional right now. Being a loyal and good customer user to mean something. Guess they rather loose a good customer over a issue that was not even my fault.

I urge everyone who was a WFNNB (Victoria Secret, Express, or any other department store that uses WFNNB) to immediately cancel their cards and just stick with your regular VISA, MasterCard, AMEX or even Discover. At least these big banks still understand the meaning of a loyal customer and customer service!

I'm going to continue to social network, blog, twitter, facebook, BBB, FTC, credit agencies, news channel, and whatever method I can get the word out that WFNNB is committing fraud!

Comments

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  • 0
    lucy
    | 2 replies
    I just found out now!! my payment was due July 1 and now it's July 6. And that the paperless statement was on by itself??? please help. what should I do??
    • 0
      It violates the Fair Credit Billing Act. replies to lucy
      | 1 reply
      FCBA requires that they mail out statements at least 14 days before the due date.  Since you did not agree to paperless, FCBA still applies.  It also appears that they may have made this "error" systematically for their own benefit, racking up late fees and interest, so there may be consumer class action attorneys interested in this.  You might contact one in your state and run it by them.
      • 0
        And by the way.. replies to It violates the Fair Credit Billing Act.
        Once you have established credit, you are far safer using normal bank cards like MasterCard or VISA, than department store cards.  The rates are generally better, and you are you bank's customer in any disputes, not some sucker who has to buy stuff on credit through anyone who will lend to you.
  • 0
    sharon christian
    I want to switch to pales statement from Victoria secret.
  • 0
    sharon christian
    I want to switch to pay less statement for Victoria secret.
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