Victoria's Secret Complaint - Credit Card Scam
COLUMBUS, OHIO -- 12/09/08 visited Victoria’s Secret and was asked if I wanted an Angel’s Card….I said no. The sales associate then asked again, saying I would get benefits, a catalog and it’s free. I said no…she asked again and I finally said OK. She got my information from my Driver’s License which she already had and then asked for my SSN. I said….what is that for? I don’t want a Credit Card, nor my credit run. She said…no, no….its for our head office only. I got home and in my bag was The Angel Card application, which I never saw, never was informed, never signed and it indeed was for a CC. I called the store in SB on December 10th and C. answered the phone. I asked to have this application canceled and she told me that I would have to come in to cancel it. I went in the same day and was told that Amy told them I would be coming in. They called the CC office and the gentleman on the phone asked my name and asked to speak to the Sales Associate. She was new and didn’t know what to do, but he told her I couldn’t cancel it that I would have to wait for my card or a letter.
December 11th, I spoke with H. at the VS store in Santa Barbara and told her the situation. She gave me the associates name and said that she was new and shouldn’t have presented the Angel’s Card in such a way and she would be spoken to about it. I was then directed to Customer Relations (614 577 7111). I spoke with M. at 2:04PM and she didn’t seem surprised and said I would need to speak to the bank. I was transferred to E. at the bank (1-800-695-1526). She said she had no access to cancel and I would have to find out about the status of the application and transferred me to the Application Center (614 729 7572) and I spoke to K. who told me the application had been denied.
I called corporate again (614 577 7000) and spoke to L. who wasn’t surprised at all and asked if M. had already contacted the bank to have letters sent to the credit reporting agencies to have the inquiry removed from my credit report. I said no. She said would take care of it and copies of the letters would also come to me. She said she was going to call the bank and then call me right back. She called back and said that the supervisor would have to handle the letters and that I would be hearing from K. and gave me a case #. I did not hear from VS., so called December 23, 2008 at 10:07 and spoke with J. she transferred me to the supervisor and L. said that K. was at lunch and that she would call me back.
December 23, 2008. K. called back 10:42 A.M. and said she had indeed put thru the request to have the item removed from my credit report. She had called again today, but felt she would not get anyone so close to Xmas. She said she would call me back when she heard from them.
After four attempt to reach K. (now March 26th, 2009), she finally returns my call (2:43pm) and advises me that she has contacted them, BUT did I give the sales clerk my SSN # or did she run it off of my Driver’s License? I said she asked for it for head office purposes only. Additionally, I told her that it is again the Fair Credit Reporting Act (specifically Act 616)** to run credit or issue a credit card without approval. That I was never informed, never explained, never saw or signed anything pertaining to a credit card. The credit card forms were in my bag when I arrived home.
As you can see by the consumer affairs reporting online, this is not an unusual case and from what I understand the sales associates are pressured to open up new credit accounts by their superiors and some even threatened of being fired if they don’t.
**Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000, whichever is greater."