Complaint: Old Navy is very unprofessional in their credit card business- on line payments are recorded late or lost- mail in payments are recorded late and this almost always incurs late fees for the customer. They should be evaluated by the better business bureau or the state attorney generals office. Will not do business their again- products are sub standard anyway.

Complaint: In November 2008, my wallet was stolen. Unfortunately, this also included my Old Navy credit card. Whoever stole it maxed out the card, totaling over $2000. When I got my new card, I called to dispute the 5 charges that had been made. They canceled the new card, and when I activated it and checked my account, only 3 of the charges had been disputed. The remaining charges totaled about $800. I called back to dispute them, and they said they would cancel my card again and that it was taken care of.. I got the new card, checked my account, and they were STILL on there! I call! ed back once again, and they told me it takes some time to go through (even though the other 3 went through right away, and I disputed them at the same time) and that I should wait it out. The next day, I tried to use my card, and it was declined. I went home and checked my account and found that I had been charged a $35 late fee. I called and asked to speak to a supervisor right away. She told me I didn't make my payment for November. I checked my bank account, and my check had, indeed, been cashed. I told her about the mess I'd gone through with multiple credit cards and said I wrote the original account number on the check. She checked the original account and said they received it, but it didn't go through. I tried to tell her that my bank was showing it was cashed and went through. (There's no reason why it shouldn't have.) She said I had to contact my bank and have them fax over a copy of my statement, proving it went through, and that my account would be closed for 4! 8 hours and then it would go through if everything was okay. She also said they would send me something to fill out to dispute the charges that had been made. It's been a week, and my account is still closed - I can't even see what's going on - and I haven't received anything in the mail. I'm about to call them again, and I'm seriously thinking of filing a lawsuit. Not only will I never shop at Old Navy or affiliated brands again, but I have been telling everyone I know my story!

Complaint: In a nutshell: I gave in and got one of those store credit cards they're always harassing you to get. I spent probably $50-$100 a month at Old Navy on this card. Then I moved and gave Old Navy my new address, but statements never came and now I have a $25 late fee. There's no way to dispute this charge apparently because their idea of "customer service" is a bunch of pre-recorded phone menus. I paid it and then cut up my card. They just scammed me out of $25. This card has cost me more money than it has saved me! I am so disgusted, I'm never shopping there again. What a SCAM!!

Complaint: I went into an Old Navy store for the first time in my life about 6 weeks ago. I found some clothes that seemed to be a pretty good deal. When I went to the check-out, the cashier asked me if I wanted to open an Old Navy account and get a discount on that day's purchases -- I think it was a 20% discount but I can't remember. I EXPLICITLY ASKED HER IF IT WAS A CREDIT CARD, AND SHE SAID NO. I therefore signed up, thinking that the worst that could happen was I'd start getting more mail from them with coupons or ads or whatever. I gave her my other credit card, also a Visa card, which I thought I was using to pa! y for those purchases that day. It looked to me like she ran my credit card through the machine, but I admit I might have been distracted by my companion at the time. I guess I didn't look at the receipt closely enough to see that the charges were not on my regular Visa card. I'm sure you can guess the end of the story: it turned out that the cashier had, indeed, opened a credit card account for me, meaning that she explicitly LIED about it. I have checked with the person who accompanied me to the store that day, and she also remembers my asking explicitly if it was a credit card. After a bit of web research, I think I understand why she lied -- it looks like employees get rewarded for how many accounts they open. I am extremely angry, because this is now a very complicated situation -- I am abroad for the year, and have my other account set up for automatic bill pay, but the Old Navy bill went to my mom's house, and she ignored it because she assumed it was junk ma! il because she knows I wouldn't open another credit card. Now apparen tly another bill arrived, with a late fee, which thankfully she did open. I now have to try to deal with this from a developing country (meaning making phone calls over skype, when the internet is working) and I really hope that my credit (previously perfect) has not been damaged by this. Lessons learned: 1. Never shop at Old Navy because their employees LIE. 2. Never sign up for any sort of store card without reading ALL the fine print, asking to speak to a manager, and getting them to sign a statement guaranteeing that it is not a credit card. 3. Even if you use automatic bill pay to pay off your credit card statement, you should always check the statement each month. Had I done this, I might have noticed that the Old Navy charge was missing from my regular credit card account.