Also, there was this following text near the bottom of the letter: I never (nor my s.o.) applied for a VS credit card, so did an actual fraudster tried to open an account under my name? Or is this letter a phishing scam itself? I noticed the typo "amounton" and was suspicious. Low level of authentication indicative of ID Fraud.Low level of authentication indicative of First Party Fraud.High average credit limit or loan amounton revolving/real property trades or credit balance to limit ratio on revolving trades.Current address reported by recently opened trade only.Here are our reasons for declining your request: "Based on information obtained from the credit-reporting agency, we are unable to approve your application at this time. Comenity Bank issues all Victoria's Secret credit cards, and we handle any account-related matters. So I've never (as well as my s.o.) applied for a credit card but received a rejection letter addressed from Comenity Bank, which states that my "recent application for a(n) Victoria's Secret credit card. No promotion of illegal, fraudulent, or nefarious activities No self-promotional content with prior mod approval. No referrals in posts, comments, or private messages. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests Suggestions, Ideas, and Feedback - Post your suggestions hereĬreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service However, the fine print document I received states "Your use of this account, or failure to close the account within 30 days of receiving this document, indicates your acceptance of the terms of this agreement, including the assessment of any interest charges and fees." So I don't think I should ignore this.Official User Flairs Thread - Learn how to customize your user flair Not under hard inquiries, and not under open accounts. I checked my Credit Karma, and there no record of this bank and card in my account. I got a representative, but he said that they can't view the Victoria's Secret accounts and the only thing I can do is call that line that wants my social security number. I tried called the Comenity Bank customer service line too. Since they shouldn't have my SS number, since I never applied for this card, I didn't feel comfortable putting it in the phone system.
![victoria secret comenity bank number victoria secret comenity bank number](https://consumerdebthelpassociation.com/wp-content/uploads/2018/02/Victoria-Secret-Bal.-2093.90-Offer-523.50-Savings-1570.40.jpg)
I tried to call the Victoria's Secret credit card phone line, but the automated system would not let me speak to a representative without giving my social security number. The sticker on the card doesn't say "Call to activate", it says "Call before use to CONFIRM RECEIPT of your credit card" (Yes, in all caps). I've never even heard of this bank until I got this.
![victoria secret comenity bank number victoria secret comenity bank number](https://1.bp.blogspot.com/-mLdYTplaziQ/YJyr9htm_II/AAAAAAAABSU/xbk0JpD9r_o-h4sbfD2n4kVZlImaxpxAwCLcBGAsYHQ/s473/victoria-s-secret-credit-card-home-victoriassecret-comenity.png)
I've also never had an amount with Comenity, the bank that this card is through. I never even had a non-credit rewards card with them.
![victoria secret comenity bank number victoria secret comenity bank number](https://i.pinimg.com/originals/34/40/07/34400768b8fb071324ec384f2514db0a.png)
I haven't shopped at Victoria's Secret in months, and I have never had any account with them ever. I thought that it was one of those promotions to get you to sign up or something, but I looked closer and the card has my name, an account number, and all the works. Yesterday, I received a Victoria's Secret Angel credit card in the mail. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.