I got the Dressbarn credit card 1/09, and used it the following year, making timely payments.
In April 2010, I was called by WFNNB and told I was seriously late in my payments. When I told them I hadn't received any bills, they insisted that I must have, and told me they had sent them to my previous address at 800 Anderson Street. I had moved to my current address at 25 Julia Ave December 2007, and had never given the old address to the dressbarn people. Interestingly, they had my current phone number (At Anderson St, I had phone service through Comcast whereas on Julia I had to switch to phone service through Cablevsion (and so a new phone number) since Comcast does not service that area.
The WFNNB representative insisted that I must have the bills since they were never returned to them. I have no control over what the new resident at 800 Anderson St does with mail delivered to their place which is not addressed to them.
She also insisted that I didn't open the account until 1/10, so had no payment history, and that I gave them the Anderson St address.
I mailed a certified letter to WFNNB, the return receipt of which indicates they received it June15, 10. To this date, I have gotten no response other than another bill. I included copies of my acceptance letter and bills from 2009, showing the Julia Ave address and payments made to them by me. I also included a copy of the latest receipt from 1/10, which shows that the wrong credit card number was entered by the cashier.
I included other receipt copies for comparison.
I concluded that in February and March, the bills were sent to the wrong address.
To make things more complex, when I had called the Dressbarn in April, they insisted to me that I had a zero balance. It was not until May that I finally received a bill. It showed that I was considered delinquent, and was already being charged $332 for a $255 purchase.
I had the balance transferred to another card, but not quickly enough to avoid another charde of $28.94.
To this date I have been billed approximately $106 extra for a series of mistakes which WFNNB and its subsidiary, the Dressbarn, themselves, made. I will need to pay this $28.94, otherwise, another $20 will be added each month. This is in spite of the fact that when a charge is being challenged, the balance on that particular charge is supposed to be held in abeyance pending the resolution of that challenge.
I am out of work now, so this extra unwarrented expense really hurts. Also, it is unethical and illegal. I proved what I told them on the phone was true by mailing the appropriate documentation. The three or four WFNNB reps I spoke to on the phone insunuated I was lying, and refused to consider my side of the story. Now that I have documented it, WFNNB is ignoring my certified letter and simply continuing to bill me.
I cannot attach anything to this, but will be happy to snail mail them if you would like to see any or all of the bills/receipts or a copy of the letter I sent.