World Financial Network National Bank, for Lane Bryant, Chadwicks, Roamans, Silhouettes, and a host of other credit cards. I am behind, so I'm not surprised that they're calling, and yes, they do use several different numbers to throw you off, so I always Google the number.
World Financial Network National Bank, for Lane Bryant, Chadwicks, Roamans, Silhouettes, and a host of other credit cards. I am behind, so I'm not surprised that they're calling, and yes, they do use several different numbers to throw you off, so I always Google the number.
The Federal Fair Debt Collection Practices Act requires debt collectors and debt collection companies to identify themselves, and to identify themselves as debt collectors, up front, so they should be required to provide a real company name and the fact that they are a Debt Collector on Caller ID when they call, but only a few do. The Federal Trade Commission should be doing more to enforce the law against this often abusive industry. Their use of different names such as ADS and World Financial Network National Bank, etc., also appears to violate this federal law.
If this is an actual nationally chartered bank, with several similar sounding names which is one of the things that make that questionable, I have not been able to verify their actual existence as such or the location of their real executive offices as distinguished from collection boiler rooms. It appears to specialize in questionable debt and abusive charges. It will be interesting to see what the newly created federal Consumer Protection Agency, which will be operated within the Federal Reserve, with which all real national banks are affiliated, does about abuses, but Obama has not yet announced its head and it is not yet up and running.
Don't waste call blocking slots, because the collectors have lots of lines and will quickly use up your available blocking. Get Caller ID, which is cheap, and just don’t answer anyone you don’t want to talk to.
Never answer a collection call, or any other call from anyone you don't know and who does not identify themselves fully both on Caller ID and at the beginning of the call. As they say on cop shows, "Anything you say can and will be used against you." Don’t return their calls, and especially not on your unlisted cell phone. One particular thing you should NEVER do is to acknowledge owing, or promise or make even the smallest payment, on an old debt because many of these are barred by the applicable Statute of Limitations and they are trying to trick you into reaffirming them and starting the clock all over again. If you answer a call and there is no live person on the phone, etc., hang up immediately without saying anything. Like the Devil, about all they can really do is lie and threaten. Many will threaten to take actions which are prohibited by your state constitution and laws, or by federal law, such as seizing homesteads, cars, and pets protected from seizure, or wage garnishment, prohibited here in Texas. If you are subsisting on SSI or SSDI, Social Security, etc., those funds are protected from seizure under federal and state laws. It is also illegal to threaten to sue unless they are actually authorized and intend to do so. The Attorney general of Texas recently busted some for threatening actions illegal in Texas against Texas residents. A lot are buying up actual or alleged debts so old you can win any suit on a plea of the statute of limitations, for pennies on the dollar, and trying to brow-beat, threaten, and defraud debtors into reaffirming them.
Collectors are among the lowest forms of life. I've been one and known many others.
Just pay your bills. They are legit. My wife has an Avenue card and these people collect debts of people that haven't paid their bill ontime. We have been late in the past and they call to collect. Just pay your bill and they will stop calling.
Its Bealls they are also known as Palas Royal, sorry if the spelling is wrong, dont have my credit card handy, anyways, yes, they will call you all day long and then some. I have had a hard time keeping my bill up recently due to the suicide of my father and missing work to deal with family issues, and I have told them this, and they dont care, I have never been late paying them, I got credit increases every 6 months, but, now, when I am late due to family reasons, they dont care. As a matter of fact, since I was late 3 months in a row, they took all of my credit from me. So, I tell them as soon as I get everything back on track, I will be able to get you back on track, until then, I will pay what I can.