Banana Republiccredit card fraud

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a verified customer
Verified customer

Three months ago I received a call from a collection agency stating that I defaulted on a credit card with Banana Republic for $257.00. They claimed that I took out this credit card several years back. As I had never received any kind of bill I was shocked and asked why no bill was ever sent. I was not sure if had taken out a credit card with this store or not as I don't usually use credit cards and if I had, I would never spend so much. I spent time calling the head office of Banana Republic and was totally verbally abused by these people. In the end I learned that they did not have the correct address for me which explained why I never got a bill. I asked for a written statement which I never got.

Today I was contacted again by another collection agency telling me that my debt had been sold to their agency and they now wanted $137.00, I again called Banana Republic. Still I have seen nothing verifying that I ever took out a credit card. Today the woman I spoke with said that they had the wrong information and that I actually owed $37.40 but because they took down the wrong information, they sent the bill off to the collection agency. She actually said, "We are so sorry. We did make a mistake here but there is little we can do about it now. If you pay the collectors and they send us a letter stating you paid them, we will reinstate you." Is this woman daft? She admits that there mistake is costing me and she will kindly reinstate me for paying off their mistake. Never did they offer to pay for their mistake and why she thinks I want to be "reinstated". Well I will never go into that store again. And I still have seen nothing to prove I ever took out a credit card with them in the first place. They were so apologetic and full of "there is nothing we can do. We make a mistake and we are so sorry". What a sick and sad establishment.


  • Sa
    sanaz Jun 11, 2010

    Banana Republic did something similar to me... I applied for a Banana Republic card while at the store. When they were running my credit they informed that I qualify for a Banana Republic Visa card. I turned down the offer and stated that I simply wanted a card that can only be used in Banana Republic and its associated stores. I did not want to open up a line of credit with a major credit card company ie. Visa. A few weeks later I receive a Banana Republic Visa card with over $5000 credit on it. My credit was affected because it increased my open line of unused credit (since I pay most things cash). When I called and told them that I had only consented to a Banana Republic card and not the Visa card, they told me exactly what they told you, that they make mistakes. But this mistake has affected my credit. That's not a mistake you can just make. You can't just go and open a line of credit for someone for over $5000 nonetheless and then say "oops". On top of that they tried to tell me that they can now open up a Banana Republic card and get "rid of" the Visa card, which in reality means they're going to cancel one card (this affects your credit) and open up another one (this also affects your credit). Totally missing the point. I am so frustrated with this company. I have contacted a couple of lawyers for the fraud that I believe Banana Republic committed. This company needs a class action suit to teach them to stop messing around with people like this.

    0 Votes
  • Tu
    tuttifruiti Jan 15, 2011

    wow !! similar thing happened to me. i made a purchase in the store and signed up for what i thought was a BananaRepublic store points card.. I have the same concerns as Sanaz.. i do not want to open any credit accounts for fear of a credit rating change. Anyway, during the store transaction the clerk mentioned that my Visa card will be in the mail. Well, I said I did not realize i applied for a visa, meant only to be a store points card. She said I could just cancel it after I receive it... Unfortunately any activity on credit reporting is not good.. I also did not realize that the purchase was charged to that new card. My fault completely because I pile up my paperwork for weeks . In this case it was the xmas season and I had out-of-town guests for a month. When the card and statements arrived in the mail they were added to my to-do pile. When I received a call from a collections agency it turns out my $37.purchase had accumulated $90. in late fees. My first call to the BRvisa # was transferred to the collections phone #. I called BRvisa again and asked to speak to a credit service manager.. Wow !! I am still surprised that she removed my late fees ! and amended the negative report sent to the credit agency. It still does not change the fact that a new query and account has been added to my credit report.. But at least the bad mark was removed and the fees removed. I never expected this.. Wow, I am still reeling, unbelievable customer service ! must be my lucky day, think i will go buy a lottery ticket :)

    0 Votes
  • Jj
    JJ abums Oct 06, 2011

    Once again, READ THE FINE PRINT BOOKLET! Don't be a idiot and just assume its going to be ok, the stores have absolutely no control over what type of card you are approved for.

    0 Votes
  • Ba
    Banana Republic Scam Sep 18, 2014

    I closed my Banana Republic Card with a ZERO BALANCE. Please ensure it is closed and that I stop receiving fraudulent bills for charges I didnt authorize. I received a bill for $199 even though Banana Republic acknowledged that I closed my ACCOUNT WITH A ZERO BALANCE. I shouldn't be liable for fraud. I have recorded calls proving that Banana Republic scammed me.

    0 Votes
  • Ph
    Phony Reward Card Feb 07, 2017

    Same situation as some of the people before me. Banana republic scams and con people with this "member" card. They never even told me it was a credit card and I kept thinking it was JUST A REWARDS card. They quietly charge your new purchase to this "rewards" card and if I hadn't check my mail (luckily it didn't get lost), where I found this shiny new visa card, I would have had to pay the ridiculous 25% interest. Someone needs to put a stop to this fraudulent business before more people get scammed.

    0 Votes

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