Freedom Rising

Update: I clipped this from www.hoovers.com. "World Financial Network National Bank will take credit for the credit it extends. The company is the private-label credit card banking subsidiary of Alliance Data Systems. Along with affiliate World Financial Capital Bank, the company underwrites cards on behalf of more than 85 businesses. The company's largest clients include apparel retailers Limited Brands and Redcats USA (formerly Brylane). World Financial Network National Bank oversees about 120 million cardholder accounts and roughly $4 billion in receivables". and this from the Alliance Data Solutions website (www. alliance data.com): "Alliance Data is the result of the 1996 merger of two entities acquired by venture capital firm Welsh, Carson, Anderson and Stowe: JC Penney's transaction services business (BSI Business Services, Inc.) and The Limited's credit card bank operation, World Financial Network National Bank." The mailing address listed on the ADS site is: Alliance Data Solutions 17655 Waterview Pkwy. Dallas, TX 75252 and for WFNNB from hoover: World Financial National Network Bank 800 Tech Center Drive Gahanna, OH 43230 I already shot off a complaint to the FTC online. I have sent for new copies of all 3 CR's. My former Limited & Express accounts were opened in September and cancelled by November because I had not received any statements from neither nor did I even receive a card from eXpress and I had to pay interest on both so I cancelled both accounts in mid November (before thanksgiving) after I paid them off. The calls started by 1st week of December. I'm pretty sure they are calling about those old accounts but of course as I'm not certain of this I will not be assuming anything nor will I be giving them any info in any correspondence I do send or any convo's' I finally do get to have (& record). I paid both cards off with cash (flame away...I deserve it) at the mall & now silly me has to hopefully find the receipts. (my bad for slacking, a mistake I'll not be repeating) Since posting here I have found out that WFNNB has a longstanding bad reputaton for just this sort of thing. I got those cards with the intention of rebuilding my credit and now I may well have a new mess on my CR's thank to this. Live & learn. My new question/dilemna now is this: I would like to send limited C&D's (to ADS & WFNNB) except that I am not sure if they are considered an OC since they are the issuer for both of the actual cards. (??) What is the next step from here? TIA again and thanks meggie for you quick response. Freedom

I have been getting repeated calls from an organization that shows on my caller ID as ADS. Their phone number is showing as 303-255-5125. I finally got a live person today. She hung up on me when I asked for her address. (yes this is recorded) Does anyone have any info on them especially a mailing address? I did a search on this site & so far nothing. Thanks in advance. ps.....Happy New Year!!

$25,000. Happy New Year. It's been a while...

Thanx a bunch. I saw that also (after I tried google again). I will DV them ASAP. FR

Anyone have any info on who this CA is? No luck on google so far. They keep leaving recorded msgs on my mobile phone for "special raving river" ( ) Thanx in advance.

I am truly sorry for the loss of your beloved new friend.

Sorry I haven't been around in a while... Cohen & Slamowitz Mailing Address: P.O. Box 9004 Woodbury, NY 11797-9004 Office Location 199 Crossways Park Drive Woodbury, NY 11797-2016 (516) 364-6006 (800) 293-6006 (866) 573-8900 *This number is not listed on their website but it is theirs* Fax (516) 908-7993 They still call but not daily. They still haven't validated or even bothered to send me their phoney invented rendition of validation. I have since disputed with the CRA's (still waiting) and have sent a complaint to the FTC and my states AG. We'll see what happens. Ultimately I want the TL removed and the CA's to be gone.

......after all, could it be construed as form of extortion to call somebody constantly (for example) in an attempt to frighten /coerce / intimidate someone into giving up their money under the threat (implied or otherwise) of serious consequences like those that are usually promised by any CA? Just curious as to what you all think of this. TIA

For me #'s 2, 4 and 7 apply big time. I would HATE to be in worse financial shape. However, I would also hate to get my a$$ kicked w/o even gettting to throw 1 punch. That's a good idea about visiting a courthouse. That's such a good idea that I will do that ASAP. I have never been inside a courtroom so that would be a great exercise for me & others like me & it would help to eliminate the intimidation factor..

I just found out whose number this is. Thanx anyway and enjoy dessert & coffee

866-573-8900 Is there anyone here who might know who this number belongs to? I checked google & anywho.com but no luck..... Thanx in advance and I hope you all had an excellent thanksgiving!

How's this: Dear Sirs, On November x, 2006 I responded to your letter dated Oct. x, 2006 and requested validation. You received and signed the return receipt for my validation request on November x, 2006. I also informed you that it was inconvenient for me to receive telephone communications from your office and that I wanted all communications to be done in writing only. On November 14, 2006 I sent a second correspondence in response to a telephone call from a customer service representative named D------- repeating my request for validation and reaffirming that it is inconvenient to be contacted by telephone. You received and signed that return receipt on November xx, 2006. To date representatives from your office have made several phone calls and have left messages on my home answering machine blatantly disregarding my request to limit all communications to written communications only. As I have already indicated in my previous two correspondences your claim regarding the alleged debt is in dispute and validation, not conversation, is requested. Let me reiterate for the third time that it is inconvenient to contact me by telephone at any time any place. Persistent telephone harassment is a violation of my rights under the Fair Debt Collection Practices Act. If you cannot produce competent and complete evidence of my obligation to pay you by December xth 2006 remove any inquiries and trade lines from my reports and please discontinue all contact. Until then written correspondence via the United States Postal Service is acceptable. Conduct yourself accordingly (thats interesting...why not "Sincerely".....just curious) Freedom Rising CC: AG for my state Thanx a whole bunch Frisbee ps.....not sure if they are reporting. Will be receiving current CR's very soon.

. Is it time to get the AG involved? Trying to fiqure out next steps. Thanx to Frisbee for the letter critique. Now back to psychdoc....

I received a dunning letter from Cohen & Slamowitz in october. I sent them a DV with the "inconvenient to call" disclaimer w/ in 30 days. Ironically they started calling on the very day they received my DV. So far they have called 11 times and left 5 messages. (Recordings are saved) They claim to be collecting on a Cap one debt. This is the 4th CA in less than 6 months trying to collect on this same account. I have already sent DVs to 3 previous CA's. None produce validation (of course not) so they simply pass it on. At this point I think I need to get my state AG involved. I have already filed an online complaint w/ the FTC. Here is a cut & paste of the next letter I intend to send. Dear Sirs, This is my third correspondence, which is being sent to you in response to several phone calls and messages left on my home answering machine from various customer service representatives since the beginning of November 2006. As I have already indicated in my previous 2 correspondences that you received on November xth 2006, and on November xxth, 2006 your claim regarding the alleged debt is in dispute and validation, not conversation, is requested. Please provide me with competent and complete evidence that I have any legal obligation to pay you including a copy of my original contract, application, or sales agreement so that I may identify my signature. Let me reiterate for the third time that it is inconvenient to contact me by telephone at any time any place. Persistent telephone harassment is a violation of my rights under the Fair Debt Collection Practices Act. If you cannot produce competent and complete evidence of my obligation to pay you by December xth 2006 then kindly remove any inquiries and trade lines from my reports and please discontinue all contact. Until then written correspondence is acceptable. Sincerely, Freedom Rising Does that look ok? I'm open to suggestons. While I spend the rest of the evening buried in the search function any imput on this is greatly appreciated.

The last time I did a PIF online to National City it took 2 days.