I decided to get a Victoria's Secret credit card a few months ago and have only used it one time. Right after receiving my first statement in the mail, I sent back a check that paid off this balance entirely. This morning I received a call from an extremely rude and unprofessional employee of World Financial Network Bank, who claimed I owed $25 for a late fee + $35-ish as an additional fine for the original late fee.. These errors total up to about 1/5 of my original payment, and I would have obviously paid a measly $25 fine if I had been in the wrong OR if it had even been on my statement in the first place. Also, I never received anything through the mail or e-mail notifying me of this error THEY had made and expected me to pay for. Not surprisingly, I could hardly understand 4 out of the 6 customer service reps I spoke with. One in particular, "Rob", attempted to give me the run around, but it was blatantly obvious that he had little to no knowledge or understanding of what he was even saying to me. Even funnier was when he told me that he would go ahead and schedule me for an in-store payment (today) so that "my credit wouldn't be damaged for more than 2 years." I know.. I am still laughing at his ignorance. When I asked him for his reference number and for the phone number and ext. I could reach him or one of his coworkers on, he couldn't give it to me, saying my call would be "sent to the rejected box." Right. I told him his inability to establish even the smallest morsel of credibility was making me very uneasy, and then asked if this was really just some some kid prank calling me from a phone booth. His response? ..something along the lines of, "I don't understand, mamn. This call is a real one, I assure you." 3 hours and 4 long phone calls later I've concluded that the intellectual capacity and overall level of customer service exhibited by WFNNB's employees doesn't differ much from Rob. I am canceling my card immediately and they will not be seeing a penny of my money.