Department Stores National Bank

Do you think Department Stores National Bank is not playing fair?  You have rights under the law and we can help you at no cost to you.  UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business.

THE BEST PART IS…

If Department Stores National Bank violated the law, you may be entitled to money damages and Department Stores National Bank will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 312-300-5996 for a free consultation.

What is Department Stores National Bank?

Department Stores National Bank (DSNB) was established in 2005 as a daughter company of Citibank and Citigroup. The company issues Visa accounts as part of Citibank and Macy’s Inc. partnership. It also issues cards for Bloomingdale’s. Department Stores National Bank’s services are provided by third-party contractors and affiliates. 

Department Stores National Bank Address, Phone Number, and Contact Information

701 E. 60th St., N.
Sioux Falls, SD 57117

https://www.aarons.com/ 

+1 678-402-3000
Monday - Friday: 10 am-4 pm
Saturday & Sunday: Closed

Incredulous Interests

A top concern for many of Department Stores National Bank’s consumers is with their exorbitant charges. According to reviews, DSNB has charged interests well over the actual amount of the products sold. 

Malicious Credit Remarks

Many of Department Stores National Bank’s consumers reported never receiving their billing statements only to be hit with high-interest fees for late payments. In worse scenarios, consumers took a credit score hit for failing to pay charges they didn’t know existed to begin with. 

Harassing Collection Practices

Like every other financial institution, Department Stores National Bank has engaged in harassment trying to collect from consumers. In one case, DSNB filed a lawsuit against a senior citizen despite the consumer trying to arrange an alternate payment schedule. 

Poor Customer Service

Apart from their glaring service issues, Department Stores National Bank has also failed to deal with its consumers up to standard. Some had trouble reaching their lines to discuss account issues while others simply could not get resolutions for their concerns.

Unfortunately, exorbitant charges, credit bureau reporting, harassment, and lousy customer service complaints are just the beginning for Department Stores National Bank. The bank’s customers are left wondering what options they have regarding their consumer rights.

We Fix Complaints When Customer Service Won’t

Has Department Stores National Bank used misleading sales tactics? Have you received poor service? Do you have complaints with billing? Do you want customer service at Department Stores National Bank to listen?

A lot of Department Stores National Bank Corporation customers aren’t happy with their service and the Better Business Bureau lists 1,152 customer complaints against the company in the past three years, including complaints for billing and collections practices, problems with a service/product, advertising and sales, among others.  

If your complaints haven’t been heard, we can help. At Agruss Law Firm, LLC we help customers who have been mistreated by big companies--much like Department Stores National Bank--and we turn your complaints into resolutions!

We’ll not only file your legal demands with Department Stores National Bank, we’ll negotiate with the company. If your claim isn’t resolved through these negotiations, we’ll work through the legal process that is outlined in your Department Stores National Bank contract, which is typically arbitration. 

Agruss Law Firm, LLC gets results--including zero balances, refunds, and other compensation. 

Here’s How to Make Big Companies Listen

It can be frustrating when you rely on a service and don’t get the results you’ve paid for. Big companies make mistakes every day and not only is it their fault, it can cost you money, time, and leave you with big headaches. 

Have you tried calling Department Stores National Bank to address an issue, only to be told that the representative has no authority to do so? Or maybe you’ve tried talking to someone higher up in the company, only to be ignored, dismissed, or they take too long, continuing to waste your precious time. Maybe you’ve sent an email to the company which only resulted in a prefabricated response or they never follow through with what they’ve promised. 

When you’re limited in your choices for service providers or you’re locked into a contract, what can you do?

Fortunately, you do have options. 

Use Arbitration to Settle Your Complaint

Most companies like Department Stores National Bank have an arbitration clause in their contracts to prevent being taken to court for traditional litigation. This is actually an advantage for the consumer. When you request an arbitration hearing, an independent third party (the arbitrator) with knowledge of the type of situation involved will listen to the facts from both sides and make an impartial, binding decision. Department Stores National Bank will have to do a lot of work and there is no guarantee that they will have a successful outcome. 

Arbitration is Fast, Inexpensive, and Private

Arbitration with Department Stores National Bank is conducted through the American Arbitration Association (AAA). According to the AAA Consumer Due Process Protocol, arbitration through AAA will comply with their Statement of Principles, which includes:

  • The process is fundamentally fair-All parties are entitled to qualified, competent, impartial arbitrators who will conduct a fair hearing.
  • You get access to all relevant information-This includes reasonable costs, confidentiality, reasonable time limits, and meeting times and/or locations that are agreeable to both parties.
  • Transparency-AAA provides clear arbitration agreements and the ability for each side to hire their own representation.
  • Just process-Arbitration allows the arbitrator to award the same relief as traditional litigation in a binding decision. 
  • Alternative to arbitration- Mediation and the ability to take the case to small claims court should be available in some cases.

Arbitration Gives you Control and Leverage

When Department Stores National Bank is alerted that you plan to pursue arbitration, they know it will cost them money out of pocket. Not only do they run the risk of losing the case, but they will also pay for their mistake(s) and the arbitration itself. This gives you more leverage with your demands. 

If Department Stores National Bank doesn’t meet those demands and you have a real complaint, Agruss Law Firm, LLC can help by representing you in arbitration where you will get a fair, just, and transparent hearing.

Control and Leverage Triggers Faster Settlements

Large companies like Department Stores National Bank don’t like the uncertainty and loss of control that comes with arbitration. Not only do they lose the advantage in the situation, but you’re also on equal footing with them in the eyes of arbitration. 

The first step in taking on Department Stores National Bank is to formally raise your complaint. The lawyers at Agruss Law Firm, LLC can help you to do so. We will send a letter of demands to the corporate offices of Department Stores National Bank, letting them know that you’re ready to begin arbitration if a satisfactory resolution is not achieved. Typically, this is 30 days, but it will depend on your specific contract with Department Stores National Bank. 

Approximately 50% of cases will settle before proceeding to an arbitration hearing during this time. However, if Department Stores National Bank doesn’t offer a reasonable settlement within the appropriate time frame, the next step would be filing a case with AAA. Agruss Law Firm, LLC will not only put together the necessary paperwork for arbitration, but we will also help you take the next steps in the arbitration process. 

UDAAP and Arbitration

UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. This includes misrepresentation, deception, false advertising, or false promises. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

UDAAP laws are regulated by two organizations, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). The FTC expanded the initial UDAAP laws in 2004 to include unfair and deceptive acts and practices. Some standards for unfairness, in particular, include if it causes or is likely to cause substantial injury to consumers, the injury is not reasonably avoidable by consumers, and the injury is not outweighed by countervailing benefits to consumers or to competition.

Every state has UDAAP laws, which can vary widely. However, the lawyers at Agruss Law Firm, LLC understand these laws and can use them to get compensation for deceptive practices, representing consumers throughout the country in cases of arbitration at no cost to them. The company will not only pay the consumer, but they will also pay my fees as well. The consumer will never pay me a cent.

If you’re dealing with an issue with Department Stores National Bank, you might try filing a complaint with the BBB or the customer service team with Department Stores National Bank. Unfortunately, these avenues won’t always lead to a successful resolution for you, the customer. Instead, you may want to consider an experienced arbitration lawyer to take on your case. 

Arbitration is a very useful tool for resolving disputes, and Agruss Law Firm, LLC can help. With our expert guidance, we bring the big companies to the table and provide the support needed to get your bills corrected, credit reports fixed, improper fees refunded, and more. Let us pick up the sword for you; you have nothing to lose.

How Do I File a Complaint Against Department Stores National Bank?

We will use your state’s UDAAP law to file a complaint in Arbitration on your behalf at no cost to you. UDAAP laws include misrepresentation, deception, false advertising, or false promises. Under your state’s UDAAP law, you are likely entitled to money damages for your actual damages.  Plus, the other side will pay our fees and costs.  You will not pay us a penny.  These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

People, First

We are proud to serve consumers in arbitration cases. We see you as a person, not just a client – and that makes us better at the work we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Agruss Law Firm, we put People, First.

Share Your Complaints Below Against Department Stores National Bank

We encourage you to post your complaints about Department Stores National Bank. Sharing your complaints against this big company can help other consumers understand what to do when they have problems with this company. Sharing your experience may help someone else!

We are listening.

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