Complaint Review: Victoria's Secret World Financial Network National Bank CPP North America

I have never bought a single thing using my Victoria's Secret credit card, yet they sent me to collections for "late fees."

In February 2009, I signed up for a free month of Identity Protection (through CPP North America, LLC), expecting to receive a promised Victoria's Secret gift card in the mail.  CPP sent me more information in the mail which required a signature before I would be fully enrolled.  I did not respond.  (Modification of a contract, to which I never assented.)  I never received the promised gift card, nor did I receive any bills in the mail.  I would have called to cancel my membership had I believed myself enrolled.  Apparently CPP didn't believe me genuinely enrolled either, since they unilaterally cancelled my membership after a couple months. 

In August 2009, I was denied Graduate PLUS loans because my credit report indicated a bill was "currently past due." 

Yet it wasn't until October 2009 that I finally heard from World Financial Bank.  They informed me that I owe them $156.12, presumably about $30 for Identity Protector, and the rest in late fees.  They refused to waive any late fees, despite the fact that I was not aware that I owed them anything, and they never sent me a bill.  I said I would not pay the bill, and they sent me to collections.

Talk about bad-faith practices.  Anyone have a class action going?  Otherwise I'll just file my own complaint.