I encourage anyone and everyone never to shop at Victoria's Secret again. I was one week late on my credit card payment, a one-time mistake. Victoria's Secret's WFNNB credit card company called me 50 times in one week. The woman scolded me, implied I was some kind of deadbeat or thief. I told her I was an attorney, and under the federal Fair Debt Collection Practices Act section 806 (5) repeatedly calling a consumer to harass in order to collect a debt is a federal crime. She said that collection agencies are exempted, being imperfect and trying to justify her egregious conduct.

I regret making a payment to this woman, I'd already mailed it in and she got a commission on my extra payment.

Never again will I shop at Victoria's Secret. I will pay off the entire 150 or so I owe them so they can't collect interest, close my account, and encourage other people not to shop there. They're getting money from these debt collection phone calls. If I start a public campaign to encourage people to stop shopping there, maybe they will lose business because of their horrendous customer service.