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WFNNB listing on credit report - How to deal with it

If you find a WFNNB listing on your credit report, chances are that you may owe money to the World Financial Network National Bank or any of the business entities they underwrite credit cards for. If you want to know about how to deal with a WFNNB listing on your credit report, have a look at the topics given below:

WFNNB listing on credit report - 3 Things to do

If your credit report shows a WFNNB account listing, and there's a certain outstanding balance, there are three things you can do:

  1. If you owe money to WFNNB or its associates, pay it off
    In this case, you need to speak to your creditors and explain why you've missed payments. You should send them a hardship letter asking them to lower your interest rates so that you can pay off the bills. If you're in financial crisis and cannot pay on a monthly basis, you may try to negotiate a settlement on your account by paying as much as you can afford. Debt Settlement allows you to pay less than what you owe, and can get you out of debt legally. Check out these tips to negotiate and settle debt successfully on your own.
  2. Verify the debt if you're not sure that you owe the money
    If you're not sure as to whether you owe the debt, you should send a debt verification letter asking WFNNB to prove that you owe the money. Once they provide you with enough proof, you should work out a repayment plan or a settlement to clear the debt faster.
  3. You can avoid going to court if the SOL has expired
    If the Statute of Limitations (SOL) has expired, then the creditor cannot take you to court to collect on the debt. The SOL starts tolling from the day you first miss a payment. How long a creditor has to take you to court to collect on the debt depends on the SOL of the state you live in. However, even if the SOL has expired, the creditor may still use other legal means to collect on the debt within the provisions of the Fair Debt Collections Practices Act (FDCPA) and the debt will remain on your credit report for 7 years.

What to do if you've paid off the bill

When you've paid the account, and it still shows up on your credit report, here's what you need to do.

  • Dispute the item with your creditor: You need to contact the creditor and request that they co-ordinate with the Credit Reporting Agencies (CRAs) and update the account status correctly. Send a dispute letter to the creditor via certified mail or fax and request a return receipt so that you can be sure that the creditor has received the letter. Attach all the documents that prove that you've already paid off the debt on the WFNNB account.
  • File a dispute with the CRAs: You can file a consumer dispute with the CRAs. The credit reporting agencies are supposed to contact the original creditor within 5 days of receiving the dispute request and verify the disputed account within 30 days. They should send you the results in writing along with a free copy of your credit report, provided the information on the account is correct. However, if the account listing is found to be inaccurate, the CRAs will delete all information on that account from your credit report.
is there anyone who can help me get contact number...
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is there anyone who can help me get contact numbers of WFNNB BANK?

thanks
curlycarl




They are elusive and make charges to your account that are not yours. Visithttp://www.ripoffrepo rt.com/FileReport.aspx and report them. I have been dealing with them under different accounts unaware that it was them.

Sub: #1 posted on Wed, 05/18/2011 - 22:01

Unregistered


I can't remember the names of all the companies, but if you have a credit card with Catherine's, Lane Bryant or Brylane, it is from them. I just saw it on my checking account and it is a "pending" payment that I sent in. I have trouble with them all the time.

Sub: #2 posted on Sat, 04/16/2011 - 01:51

Unregistered


The debt seems to be well past the SOL period. It should have dropped from your credit report by now. Anyway, you can contact WFNNB regarding this issue. You can contact them and close the account.

Sub: #3 posted on Mon, 04/11/2011 - 09:48

Good Nelly Good Nelly
Industry Expert
(Posts: 2633 | Credits: 529.22)

I just received my credit report and it shows an open acct for WFNNB/THE AVENUE, mailing is
P O Box 2974, Shawnee, KS 66201
It states it is a revolving card with a zero balance and has been in effect since 12/1/1989

I live in the state of Washington, I do not have an account number so I do not know how to get this account closed and off my credit report. I don't even know what "THE AVENUE" is. Can you help me please?

Sub: #4 posted on Sun, 04/10/2011 - 22:40

Unregistered


my checking account has been charged $355.00. I have never bought anything form this source. This is a fraudulent withdrawal. I want my money back!! I've tried calling all the numbers i can find without any results. If the is from reed's jewelers or for goodies, i have bought anything from these places. I'me going to call the police now!!!!

Sub: #5 posted on Thu, 03/31/2011 - 20:41

Unregistered


The number you gave, 800-675-5685, leads to an automated system which asks if you want to speak to a specific person. Otherwise ,you are to hold for a customer service rep.,who never answers. I called again, and left a message on the first employee listed, still not getting a human. I only wanted an address for WFNNB to send a payment on my sister's
account. The account is not past due. What's going on with this company???????????

Sub: #6 posted on Wed, 08/04/2010 - 02:35

Unregistered


Quote:
Originally Posted bySOAPLADY
Closing the account could actually damage your score.



No it can damage your score. go to www.ftc.gov. The Federal Trade Commission .

PUT A STOP TO THE HARASSMENT AND RECKETEERING
THE ATTORNEY GENERAL CAN'T TRACK THEM DOWN FAST ENOUGH

Sub: #7 posted on Fri, 07/23/2010 - 06:16

Unregistered


Quote:
Originally Posted bygood.nelly
Hi Coachsmithm,
You need to contact WFNNB or the third party collector who reported the item to the credit bureaus. The contact information should be there on the credit report. When you contact them, ask them to validate the debt. Send them a validation letter. If they fail to validate the account, you will not be liable to pay it off. You can then send the credit bureaus a letter, along with the required proof, asking them to remove the listing from your credit report.



You Need to go to www.ftc.gov. Federal Trade Commission
Put a STOP TO WFNNB.

Sub: #8 posted on Fri, 07/23/2010 - 06:08

Unregistered


People

Stop this harassment and racketeering from WFNNB. go to www.ftc.gov this is The
Federal Trade Commission put a stop to phone calls.

Sub: #9 posted on Fri, 07/23/2010 - 06:04

Unregistered


Quote:
Originally Posted byAnonymous
wfnnb/stag is on my credit report would like to know what this stands for?

wfnnb stands for Stage Department Store, before it was Stage I beleive it was Anthonys Department Store, if anyone has wfnnb/mfg that stands for Macys Department Store.

Sub: #10 posted on Tue, 07/13/2010 - 23:34

Unregistered


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