I have never bought a single thing using my Victoria's Secret credit card, yet they sent me to collections for "late fees."
In February I signed up for a free month of Identity Protection (through CPP North America, LLC), expecting to receive a promised Victoria's Secret gift card in the mail. CPP sent me more information in the mail which required a signature before I would be fully enrolled. I did not respond. (Modification of a contract, to which I never assented.) I never received the promised gift card, nor did I receive any bills in the mail. I would have called to cancel my membership had I believed myself enrolled. Apparently CPP didn't believe me genuinely enrolled either, since they unilaterally cancelled my membership after a couple months.
In August I was denied Graduate PLUS loans because my credit report indicated a bill was "currently past due."
Yet it wasn't until October that I finally heard from World Financial Bank. They informed me that I owe them $156.12, presumably about $30 for Identity Protector, and the rest in late fees. They refused to waive any late fees, despite the fact that I was not aware that I owed them anything, and they never sent me a bill. I said I would not pay the bill, and they sent me to collections.
Talk about bad-faith practices. Anyone have a class action going? Otherwise I'll just file my own complaint.
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