I sent a request for proof of PP to World Financial Network National Bank the end of Feb. I finally got a response from them today. This is it word for word. John Doe 123 Anywhere My Town, ND 1111 RE: Division The World Financial Network National Bank issues and owns the credit accounts for the above-mentioned accounts. As such, we are responsible for pursuing alleged credit card offenses involving these accounts. We are unable to locate an account or application given the information you provided us. If you have any further information, please contact us ata 1-800-888-1726. Sincerely, Misty Rose Account Control Department I am really confused by this letter. One, it say's they own the credit account for the above mentioned account. Well there is no account mentioned on the letter. All the paper says and has on it is exactly what I typed above. Second, why do they mention credit card offenses when I don't have a credit card with them. The only credit card I have is Discover and they aren't affiliated with WFNNB. What credit card offenses??? Correct me if I'm wrong but wouldn't this basically be an admission that they pulled my credit without authorization when they admit they have no account for me and no application for credit with them. In the request for pp letter I sent I gave them my name, address and ssn. Can I sue and use this letter as part of my proof?
WFNNB handles Eddie Bauer, Spiegel, and various other CCs. They are a subsidiary of Alliance Data Systems Corp. Alliance Data's compliance officer and VP, Legal Councel, is (or was in January) Hazel Hall, who may be reached at: Alliance Data Systems 800 TechCenter Drive Gahanna, OH 43230 or by phone at: 614-729-4255 If WFNNB has its own compliance officer, perhaps she can put you in touch. If I were you, my main concerns and goals for resolution would be that the inquiry is traceable to a legitimate account of yours, to rule out possible id theft, or that the inquiry be removed if made in error, to avoid damage to your FICO scores and interference with your credit relationships with other lenders. If the inquiry is a hard inquiry for an existing account, it should be properly coded as AR.
Like I said the only credit account I have is Discover. The inquiry is listed as WFNNB/KingSize I have NEVER applied or had an account with WFNNB. I am sure that is why they said they can't find an application or an account. The inquiry is still listed on my report. Shouldn't this letter be more proof of their guilt for pulling my report without authorization? I think I might send a copy of the inquiry, the original letter I sent them and their letter of response to this Hazel gal and offer to settle. If not I sue.
As I indicated, Hazel Hall is with Alliance Data. You may want to work thru her to find the right party at WFNNB. Although you might see non-PP penalties as some opportunity, I would be more concerned with forcing prompt disclosure and correction/removal of illegitimate or erroneous accounts, using possible penalties as a lever to obtain compliance.
this looks to me like this was the best form letter some low-level CSR could find to send you. It doesnt even make any sense. and it doesnt address your concerns at all. what did your letter say exactly? this happened to me, and i just sent another letter that said, 'Enclosed is a copy of the first letter I sent your agency that, apparently, was not thoroughly read.' To my amazement, they sent another form letter that had NOTHING to do with my situation. it was laughable. I'm just going to use it as proof when i sue them, that "I tried diligently to resolve this matter, but unfortunately, this was the only response I got." Write them again, and wait for another stupid reply. in the meantime, read this: http://creditforum.org/showthread.php?s=&threadid=229
dispute the inquiry with the CRA and send a copy of this letter that way they will delete it. I dont think this may be an intentional violation to sue for as they did not have knowledge of the pull and it may be in error. I know some experts on here might know if you can pursue them for this as a violation.
