Since i received my Victoria Secret credit card World Financial Network Bank has been nothing but problems. It first started out when i was one week late on my Victoria Secret account. I received a collections call about my account and explained to the guy on the phone i was recently unemployed and could not make a payment at this time i thought everything was fine got off the phone with him and received seven more phone calls from them the same day mostly abusive phone calls from people calling me a deadbeat and at the point i was only one week late on my payment and they are hitting me this hard i didnt understand why they were coming after me like this. now 12 months later i am laid off and barely able to make a payment on the account but im finding the money to pay them and they are still calling me and harassing me and im on a payment plan with them. When i got on this payment plan they told me that i would be given no more late fees or anything three payments later and 3 months worth of late fees later here i am on the phone with WFNNB and they are telling me i have to pretty much eat the late fees that i was supposedly not supposed to get. I told them i would like the call pulled with the guy who set up the payment plan with me because he told me i wouldnt get anymore late fees and also never told me they were going to access me a ten dollar electronic payment fee along with my payment each month. But come on we all know they are going to deny the fact he told me that i wouldnt be charged late fees. I'm not really sure where they find these horrible people or if WFNNB follows any rules. Last time i checked werent there laws set up so creditors couldnt harass you or belittle you in a threatening manner? Once this account is closed never in my life will i ever deal with this bank again and i will make sure to tell family and friends not to do buisness with them either!