Claimant says: "PURCHASED AN ITEM OF LITTLE VALUE, UNDER 26.00 DOLLARS, OVER ONE YEAR AGO. AT THE TIME OF PURCHASE, I TRIED TO BE NICE, AND SIGNED UP FOR THEIR CREDIT CARD, TO GIVE THE CLERK POINTS-KNOWING THAT I PROBABLY WOULD NEVER USE IT. HAD TO PUT THE ITEM ON THE CREDIT CARD (VIA REGISTER RECEIPT- NO CARD ISSUED) TO ACTIVATE AND GET THE GIRL HER POINTS. AFTER AN EXCESS OF THREE MONTHS WITHOUT ANY TYPE OF CORRESPONDENCE FROM THEM; NO CARD, NO PAPERWORK ,OR STATEMENT. I GET A HARASSING PHONE CALL FROM THEM (AND TO THIS DAY), OR” ...Show more »

Claimant says: "PURCHASED AN ITEM OF LITTLE VALUE, UNDER 26.00 DOLLARS, OVER ONE YEAR AGO. AT THE TIME OF PURCHASE, I TRIED TO BE NICE, AND SIGNED UP FOR THEIR CREDIT CARD, TO GIVE THE CLERK POINTS-KNOWING THAT I PROBABLY WOULD NEVER USE IT. HAD TO PUT THE ITEM ON THE CREDIT CARD (VIA REGISTER RECEIPT- NO CARD ISSUED) TO ACTIVATE AND GET THE GIRL HER POINTS. AFTER AN EXCESS OF THREE MONTHS WITHOUT ANY TYPE OF CORRESPONDENCE FROM THEM; NO CARD, NO PAPERWORK ,OR STATEMENT. I GET A HARASSING PHONE CALL FROM THEM (AND TO THIS DAY), OR FROM COLLECTION AGENCIES ABOUT THIS. I NEVER DID GET A CARD AND HAD TO GET A HELPFUL AGENT (THEY ARE NOT TO GIVE OUT THE NUMBER, BUT GIVEN MY CATCH 22, SHE DID SO I COULD PAY FOR THE ITEM IN QUESTION) TO GET THE ACCOUNT NUMBER SO THAT I COULD PAY THEM OFF. I DID PAY THE BILL IN FULL, 25.00 AND CHANGE, BUT THEY WANTED LATE AND FINANCE CHARGES. I SAID UNEQUIVOCALLY NO. NOT FOR THEIR INEFFICIENT BOOK KEEPING AND PROCEDURES. SINCE THEN, I HAVE BEEN CONSTANTLY HARASSED AND THEY HAVE PLACED A CHARGE-OFF ON MY CREDIT REPORT-WHICH I HAVE DISPUTED WITH THE CREDIT CARD REPORTING AGENCIES. WFNB HAS COME BACK AND SAID THESE ARE VALID CHARGES; WHICH IS SIMPLY A LIE. EVERYONE I HAVE TALKED TO HAS SAID THIS NEEDS TO BE RESOLVED ON THE BANKS END- INCLUDING THEIR OWN PERSONNEL-BUT YET NOTHING HAS TRANSPIRED AND I AM HAVING MY CREDIT SHAFTED FOR A BUNCH OF INCOMPETENTS. NO ONE SEEMS TO HAVE TH AUTHORITY-INCLUDING THEIR SUPERVISORY STAFF,OR SO THEY SAY, TO DO ANYTHING ABOUT IT. I HAVE EVEN TAKEN THE TIME TO WRITE THEM ABOUT THIS SITUATION. I HAVE LOOKED ON LINE AND THIS SEEMS TO BE THEIR MO. I HAVE FOUND OUT THAT THEY ARE THE FINANCIAL INSTITUTION BEHIND SOME OF MY EXISTING CREDIT CARDS, I HAVE CANCELLED ALL BUT ONE THAT I AM IN THE PROCESS OF CLOSING. THIS OTHER CREDIT CARD, I HAD NOT USED IN A WHILE AND THE SAME THING HAPPENED- OVER 2 MONTHS WITHOUT A STATEMENT FOR THE NEW CHARGES AND THEY WANTED TO CHARGE A LATE FEE. I WAS ABLE TO GET A SOMEWHAT COHERENT PERSON OVER THE PHONE AND DUE TO MY CREDIT HISTORY THEY REVERSED THE LATE CHARGE. THIS IS ONE OF THE MOST UNSCRUPULOUS INSTITUTIONS I HAVE HAD THE DISPLEASURE TO DEAL WITH.*” ...Show less »