I never got the statements letting me know when my zero interest was going to endI had I tensions of paying of my entire balance early this month when I was charged in interestI am a disabled combat veteran and can't afford to pay the interest chargesI want to pay the principle and close the account
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the DSW Rewards Visa credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the ConsumerFinancial Protection Bureau regarding this same matterPlease find enclosed a copy of our response dated September 28, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Rosa M [redacted] Compliance Dept– Consumer Responsescc: Better Business
the letter from Comenity references November and it should be November as the date I was reported late by Comenity If Comenity can send me an updated letter to reflect that the day late charge in November will be removed, the dispute can be resolved Thank you for your help Regards, [redacted]
Dear Mr [redacted] Thank you for your complaint addressed to the Revdex.com, regarding the above-noted accountComenity Capital Bank issues Orbitz Rewards Visa accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate this opportunity to assist youYour complaint indicates that you disputed a charge that was placed on your Orbitz Rewards Visa account, and Comenity Capital Bank has found you responsible for the chargeYou further state that one of our representatives assisted you with speaking to the merchant, and the merchant stated that the amount for your hotel stay was $1,However, you were billed a different amount and state that there is a difference of $Furthermore, you state the recorded call is evidence of what was billed to youYou are requesting that we listen to the call in question and issue the difference to your accountPlease be advised that we have listened to the call in question, and also requested the receipt for the final charge the merchant billed to your Orbitz Rewards Visa accountOur records indicate that the situation referenced in your complaint has been previously investigatedA response along with a copy of the signed receipt was issued on January 21, 2016, explaining our finding and resolutionComenity Capital Bank position remains unchangedWe have enclosed a copy of our previous response for your recordsWe sincerely apologize for any inconvenience this matter may have caused you and hope that you find this information to be helpfulShould you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Rosa M [redacted]
Complaint: [redacted] I am rejecting this response because: The credits that they showed were due to another error on their partI wasn't aware that an item I never picked up wasn't sent back as it states in their policyThe store held onto the item for monthsThe customer service rep apologized SO much for the error and reversed all the chargesSo those charges & credits happened because of the Lane Bryant end not mindVery disappointed that you didn't research those credits farther since they can only make one credit every months as I was toldMore lies that were told to me againI will not pay this balance EVER because of there error! Regards,Paula F [redacted]
Dear Ms [redacted] : We received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns I understand from your complaint that money is being taken out of your personal bank account You do not have an account with Comenity Bank nor did you make any purchases You are requesting that no more monies be debited from your bank account; due to you not knowing why these payments are being debited from your account I am happy to share my findings with you After a thorough review of our records, an Avenue credit card account was located in your name Please find a summary of the Avenue account below I have enclosed a copy of the account Credit Card Agreement (CCA), as well as copies of billing statements which show the account activity that comprised the account balance and delinquencies The Avenue account was opened on May 10, 2014; use of the account or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees The last purchase of $was made on May 10, 2014, and the last payment of $was received on August 15, 2015, and the account is current As of the date of this letter, the account balance is $with a minimum payment of $due on September 16, If you believe that this account was opened due to ID Theft, please complete the enclosed Identity Theft Victim’s Complaint and Affidavit please return the completed Affidavit, to our Account Control Department (Fraud) along with a copy of your driver’s license, and a written request for the application Once this is information is received you will be notified by mail of the findings Listed below is the address and telephone number for our Account Control Department: Account Protection (Fraud) Department West Schrock Road Westerville, OH ###-###-#### (TDD/TYY ###-###-####) We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience If you have any further questions regarding this letter, please contact me at ###-###-####, ext [redacted] *TDD/TTY ###-###-####) I will be happy to assist youSincerely, Renee S [redacted]
Dear [redacted] : We received your complaint regarding the above-referenced credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concernsIn your complaint, you state that there was an inquiry on your [redacted] credit report on February 1, 2015, and you did not authorize your credit file to be obtainedYou are requesting that the inquiry be removed from your credit fileWe understand your concerns, and apologize for any inconvenience or frustration this matter may have caused youWe attempted to locate the account in question; however, we are unable to locate the account with the information you have providedTo better assist you, we need additional information to locate the account(s) in questionPlease provide the following: ? The information showing on your credit report ? Complete Comenity Bank Account Number ? Any Previous Names of Accountholder ? Any Previous Addresses ? Home Telephone Number ? Social security number This information can be mailed to the address listed above, or faxed to my attention at [redacted] I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist youSincerely, Jenny W*** Consumer Relations Specialist
We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accountComenity Bank issues avenue® credit card accounts, and we are here to assist with your account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you spoke to Comenity Bank regarding a charge on your account as well as a late fee of $During this conversation, you were advised you were charged for a magazine subscription, that you state you never ordered, as well as a late fee for non-paymentYou were assured that the late fee was being removed and you were transferred to the magazine company to request a credit for the magazineOn October 24, 2016, you again received a statement with another late fee assessed to the accountYou are requesting that the Revdex.com determine whether the Bank is charging customers for subscriptions that were not authorizedI am happy to share my findings with you.When customers make purchases, they are offered an optional magazine subscriptionThis product is offered through [redacted] a third party vendorPlease be advised that [redacted] and Comenity Bank are separate entitiesGenerally, this magazine service includes a free trial period which is disclosed during the enrollment offerIf the magazine enrollment is not cancelled by the end of the trial period, charges for the magazine subscription(s) will be applied to the avenue® accountOur records indicate that a charge of $for a subscription to Weight Watchers magazine was applied to your account on July 18, On July 22, 2016, a billing statement was issued to you which reflected this charge and provided a phone number to call, should you have any questions regarding the chargeAfter a thorough review of the account, credits totaling $were issued on October 25, 2016, for Bank fees that were assessed to the account due to this matterAdditionally, [redacted] has issued a credit in the amount of $for the magazine subscription.Please be assured the account was closed at your request on October 24, 2016.We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused youIf you have any further questions about your account, please contact me at (800) 675-5685, ext(TDD/TTY (800) 695-1788)I will be happy to assist you.Sincerely,Renee S*Consumer Relations SpecialistCC:Revdex.com
Revdex.com: I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me My original complaint was mistaken, but I did not realize that from my previous communications with them The previous customer service representatives did not address my complaint properly and gave me inaccurate information After opening this complaint with the Revdex.com, they addressed this misunderstanding promptly and thoroughly
I called the individual at the extension provided immediately upon receiving the communication and left my information and number that I could be reached at on her voicemail My call was not returned...this is indicative of the service that Comenity has provided throughout the process of trying to settle my mother's estate I have still been unable to pay this final bill after the account was passed to collection weeks ago as the collection company now indicates that the account is under review/research If Comenity has given me any time at all between granting my access to the account and handing off to collection, this matter would be resolved.At this point, my preference would be to pay the balance, which has been doubled since the original purchase weeks before my mother's passing, and to ensure that this matter is documented online for others to socialize how awful it is to deal with Comenity I have searched other reviews and seen several other customers that Comenity has reached out to and asked to contact them to help with their case - it seems evident that comenity does this when Revdex.com gets involved with no real desire to assist, only to clear the complaint for public perception
Dear Mr [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts Comenity Bank issues gordmans, LANE BRYANT, and christopher & banks credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you are receiving calls from Comenity Bank regarding payments owed on the above-referenced accounts You state these calls are irritating to your wife You are requesting that the calls are stopped and you advise that you will make the payments when you can Per your request, a "cease and desist" status has been placed on your accounts This cease and desist request will stop all future collection calls, but it will also suspend authorizations for new purchases on all of your accounts since we will be unable to contact you You will continue to receive certain legal communications as permitted by law Your request to cease and desist contact on your accounts may be changed at any time by contacting us again in writing at the below address: [redacted] ** [redacted] We understand customers may experience difficulty making their payments due to economic factors You may be eligible for enrollment in our 12- month Customer Hardship Program, or our Long Term Workout Program These programs provide customers with special terms in order to bring the accounts current If you are interested in obtaining information on whether you qualify for these programs, please contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####).Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance Their programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditors We support and participate in the programs provided by CCCS agencies Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####.We value you as a customer, and we sincerely apologize for any frustration or inconvenience this matter has caused you If you have any further questions about your accounts, please contact our Payment Solutions team at the telephone number provided They will be happy to assist you.Sincerely, Renee S***
I returned the merchandise upon receipt with the UPS carrier man, the warehouse received the merchandiseI have proofs of this: 1) the credit registered on my Wayfair account webpage showing the word "Returned"2) the UPS dropped the delivery tag number in their system indicating that the returned item had been successfully and finally received at the Wayfair warehouse.In addition, please note that I have not retained any paperwork related to this dispute to furnish documentation a second timeIf you wish, I will provide 1) a scan of my Wayfair page proving receipt of the returned merchandise indicated by the company markings and 2) a printed copy of my receipted check for the shipping and handling part of the bill As for the late charges, there should have been none at all to begin with I returned the item without opening the same day the UPS man stopped at my door Regards, [redacted] ***
the error in the account is yours if somebody took the time it would take to accurately research this, you would see that there is no money on the account that is for merchandise its all finance charges and late fees thats it I am a responsible person if I make a mistake, I own it you should do the same thing you ignore the fact that I have repeatedly said I could not access my account via your web site I therefore had statements sent via my bank, td bank all the payments I made were of merchandise, and interest accrued on the merchandise no money there is for merchandise its interesting that you claim that [redacted] cant be the address on my statement, for reasons that boggle the mind, yet the letter you sent me has the address correct, [redacted] the statement for december was received by me in february this is as a result of your erroneously having my address as [redacted] ** they arent the same thing you ask for my address and I give it to you you should figure out a way to make the address the way the customer tells you it is against the law to threaten me with negative information on my credit report history if you continue this threat, if you do anything to my credit report, I will have no alternative but to report you to the FTC for violation of the fcba youve already lost a customer I will never shop in victoria's secret again as a result of your actions, I no longer have a victoria's secret credit card start doing the right thing straighten out the mess youve made with this account I will pursue this legally Regards, [redacted]
Dear Larhonda DLacour:Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.We previously received and responded to correspondence submitted to the Revdex.com regarding this same matterPlease find enclosed a copy of our response sent to you on June 12, 2017.As stated in our previous response, please contact our Account Protection Team at the phone number listed below and reference case number [redacted] , should you have any additional questions regarding your fraud case.I hope you found this information to be helpfulShould you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####.Sincerely,Jenny W***Compliance Dept– Consumer Responses
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Woman Within® credit card accounts, and we are hereto assist you with all account-related questionsI appreciate the opportunity to respond to yourconcerns.We understand from your complaint that your balance has increased even though you have notplaced any ordersYou are receiving harassing telephone calls throughout the day, and youwould like them to stopYou state that we agreed to the minimum due amount of $permonth, which has not been processed.Please understand, when an account is delinquent, we will make attempts to contact the customerregarding the status of the accountMany times a payment is overlooked by the customer, anda reminder call is helpful to bring the account back to a current statusDue to potential negativeramifications for our customers if an account remains delinquent, we may call until our attempt tocommunicate is successful.Bank records indicate a billing statement was sent to you on March 22, 2016, with a balance of$900.91, and a minimum payment of $40.00, due by April 17, We did not receive a paymentby April 17, 2016.Please keep in mind when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement.A billing statement was sent to you on April 21, 2016, with a balance of $947.22, and a minimumpayment of $85.00, due by May 17, A payment of $was received on May 5, 2016.The statements that were issued from May to October had an increased minimum paymentrequirement due to the missed payment for April When the minimum payment is not paidin full, the past due amount is added to your next month’s minimum dueWe have enclosedcopies of the billing statements, which show the account activity that comprised the accountbalance.I have listened to the telephone calls, and I am unable to find the conversation where we statedyour minimum payments would be $During one of the telephone conversations, you wereadvised that your payment would go back to $a month, after the account became current.Please be assured, we received your payment of $1,on November 8, As of the dateof this letter, your account has a zero balance; therefore, no further collection calls will be placed.I hope this information is helpfulIf you have any further questions regarding your account, pleasecontact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assistyou.Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Dear [redacted] We received your additional complaint, sent to the Revdex.com, regarding the above-referenced account Comenity Bank issues Avenue credit card accounts, and we are here to help answer your questions I appreciate the opportunity to assist you with your concerns.We understand from your additional complaint that you are questioning a matter regarding the routing number associated with your financial institution You are requesting an answer regarding why, or if, the Bank drops the first zero of the routing numberWe previously received and responded to your complaint submitted to the Revdex.com regarding this same matter on August 27, 2015, September 11, 2015, September 21, 2015, October 2, 2015, and October 14, Please refer to the previous response dated October 14, 2015, regarding the matter of the routing number Please understand that Comenity Bank’s decision remains unchanged and the Bank considers this matter closed.We hope you find this information helpful If you have any further questions regarding this letter, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, Renee S [redacted]
We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountComenity Bank issues VICTORIA'S SECRET credit card accounts, we are here to answeraccount-related questionsYour complaint was forwarded to my attention and I appreciate theopportunity to assist you.We understand that you set up auto payments for your account and you continue to be charged late feesalthough you have made your payment(s)You state that the minimum payment and the monthly duedate are being changed and that managers should not be allowed to change this informationAftercalling the Bank to discuss these concerns, you were left feeling like you were inadequate, and that noone wanted to help you resolve these concernsYou do not feel that the late fees should be assessed toyour account, and that the company would rather send your account to collections than help youunderstand what is going onYou are requesting help to get your account back on track.I have reviewed your account and I am happy to share my findings.Bank records indicate that the Annual Percentage Rate (APR) for your account is 24.99% and themonthly repayment schedule is 5% of the monthly balance listed on your statementThe minimumpayment due date is the 7th of each month and does not changeThe minimum payment can changesystemically based on the monthly statement balance and late fees will be assessed if the minimumpayment due is not received, received after the due date, or received for less than the required minimumpayment due, as explained in the Bank's Credit Card Agreement (CCA).As the balance increases, the minimum monthly payment may increase based on the explanation above;however, again, the minimum payment due date remains the same every month.Bank records indicate that you have made multiple payments in the past months; made after thepayment due date or made for less than the required minimum payment due, resulting in late fees totaling$Enclosed are copies of the billing statements reflecting the fees and the Bank's Credit CardAgreement (CCA).Bank records further indicate that you called our Customer Care team on April 8, 2016, and I havereviewed this callDuring this call, you were verifying that you made a payment, and you wanted to besure the payment would post to your account before the due date so you were not charged a late fee.Our associate advised that the payment should post in time, with no late fees, and that she would monitoryour account to ensure thisUnfortunately, we did not confirm that you asked for the minimum paymentamount from the associate and believe this is where the confusion occurredThe call interaction waspleasant and you were thankful for the information the associate provided to youWe sincerely apologizeif you believe your experience was less than satisfactoryComenity Bank strives to provide world-classservice to its customers, and it is never our intention to cause a customer a hardship.As the account minimum payment due by April 7, 2016, was $85.00, as reflected on your March billingstatement and, we only received $on the payment due date, your account was assessed a $35.00late fee for the minimum payment shortage, not because of a due date changeHowever, the associateyou spoke to on April 13, 2016, issued a $credit to remove the late fee assessed to the account onApril 7, 2016.In addition, I reviewed your communication sent through to the Bank's Secure Message Center on April18, 2016, and the telephone callDuring the internet interaction, you indicated that you made a $75.00payment for April and you are now receiving telephone calls about a past due paymentYou state thatyou called the day before (as described above), to verify the minimum payment due, and to be sure thatyou would not be assessed a late fee; the associate informed you that you were paying the correctamount and that you would not be charged a late feeNow, the minimum payment due had increased to$and the automated system indicated the minimum payment as $90.00; due "today"The Bank'sInternet associate responded to you and advised that the $payment was received on April 7, 2016;however, the minimum payment due was $and, as a result, the account was charged a late fee;however, this late fee had been credited to your account.During the April telephone call, our associate explained that the April payment for $was$short of the minimum payment due of $85.00, and is the reason why the account became pastdue and was charged a late fee.Please be advised that the minimum payment reflected $because the May minimum due is$and the account was past due $When an account is past due, the payment due will reflectthe current amount due and the past due; including unpaid bank-fees.In addition, in reviewing your account, please be advised that you enrolled in Account Assure, an optionaldebt cancellation program, on February 21, This program charges a fee of $per $of themonthly statement balanceIf the balance is zero, there is no feePlease refer the enclosed statementsfor the fees assessedIf you wish to cancel the program, please contact me using the number below.In an effort to help you resolve these concerns and to get the account back on track, in the interest ofcustomer service, I have issued credits totaling $to remove all late fees assessed in the past 24monthsAdditionally, I have removed the current and past due minimum payment; however, be assuredthat your pending payment of $scheduled for May will still be postedThe credits, new balance,and minimum payment due will reflect on your next billing statement for May 2016.You are a valued customer and again, we sincerely apologize for any confusion or frustration you haveexperienced as a result of this matterIf you have any further questions or concerns, please contact meat 1.800.675.5685, ext [redacted] (TDD/TTY 1.800.695.1788)I will be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
Dear Mr [redacted] We received your complaint, submitted to the Revdex.comComenity Bank issuesVICTORIA'S SECRET credit cards, and we are here to help answer account-related questions.Your complaint was forwarded to my attention and I appreciate the opportunity to address theconcerns.We understand the concerns explained in your complaintHowever, as Comenity Bank is notauthorized by the accountholder to release information to you, we have mailed the responsedirectly to Mrs [redacted] .I apologize for any confusion or inconvenience this may have caused youIf you have anyfurther questions or concerns, please have Mrs [redacted] contact me directly to provideauthorization to speak to you at ###-###-#### ( TDD/TTY ###-###-####)Iwill be happy to assist you with this authorization.Sincerely,Shawnda Y***
Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced account Comenity Bank issues the Gander Mountain Mastercard credit cardWe are here to answer your questions and assist with your concerns We received and responded to your correspondence submitted to the Revdex.com regarding this same matterPlease find enclosed a copy of our response dated December 4, A copy of the front and back of the check issued to [redacted] was sent with the December 4, 2017, correspondence via mailPlease allow days for the correspondence to be received I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses
Comenity Bank was the one who entered into agreement with American Laser Skincare to handle their financing They are telling me seek repayment by American Laser Skincare and aren't taking responsibility Comenity Bank continued to collect payments after American Laser closed its doors, and I am in contact with many people who have been reimbursed the money they sent to Comenity Bank to pay off their American Laser Skincare accounts Comenity sent the other people checks, not American Laser, who has since filed for bankruptcy If this division of Comenity Bank is denying responsibility and putting the blame on the other division of the bank, then they need to put me in contact with the correct person, in the correct department at Comenity Bank, so that I can get my money refunded Regards, [redacted]
I never got the statements letting me know when my zero interest was going to endI had I tensions of paying of my entire balance early this month when I was charged in interestI am a disabled combat veteran and can't afford to pay the interest chargesI want to pay the principle and close the account
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the DSW Rewards Visa credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the ConsumerFinancial Protection Bureau regarding this same matterPlease find enclosed a copy of our response dated September 28, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Rosa M [redacted] Compliance Dept– Consumer Responsescc: Better Business
the letter from Comenity references November and it should be November as the date I was reported late by Comenity If Comenity can send me an updated letter to reflect that the day late charge in November will be removed, the dispute can be resolved Thank you for your help Regards, [redacted]
Dear Mr [redacted] Thank you for your complaint addressed to the Revdex.com, regarding the above-noted accountComenity Capital Bank issues Orbitz Rewards Visa accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate this opportunity to assist youYour complaint indicates that you disputed a charge that was placed on your Orbitz Rewards Visa account, and Comenity Capital Bank has found you responsible for the chargeYou further state that one of our representatives assisted you with speaking to the merchant, and the merchant stated that the amount for your hotel stay was $1,However, you were billed a different amount and state that there is a difference of $Furthermore, you state the recorded call is evidence of what was billed to youYou are requesting that we listen to the call in question and issue the difference to your accountPlease be advised that we have listened to the call in question, and also requested the receipt for the final charge the merchant billed to your Orbitz Rewards Visa accountOur records indicate that the situation referenced in your complaint has been previously investigatedA response along with a copy of the signed receipt was issued on January 21, 2016, explaining our finding and resolutionComenity Capital Bank position remains unchangedWe have enclosed a copy of our previous response for your recordsWe sincerely apologize for any inconvenience this matter may have caused you and hope that you find this information to be helpfulShould you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Rosa M [redacted]
Complaint: [redacted] I am rejecting this response because: The credits that they showed were due to another error on their partI wasn't aware that an item I never picked up wasn't sent back as it states in their policyThe store held onto the item for monthsThe customer service rep apologized SO much for the error and reversed all the chargesSo those charges & credits happened because of the Lane Bryant end not mindVery disappointed that you didn't research those credits farther since they can only make one credit every months as I was toldMore lies that were told to me againI will not pay this balance EVER because of there error! Regards,Paula F [redacted]
Dear Ms [redacted] : We received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns I understand from your complaint that money is being taken out of your personal bank account You do not have an account with Comenity Bank nor did you make any purchases You are requesting that no more monies be debited from your bank account; due to you not knowing why these payments are being debited from your account I am happy to share my findings with you After a thorough review of our records, an Avenue credit card account was located in your name Please find a summary of the Avenue account below I have enclosed a copy of the account Credit Card Agreement (CCA), as well as copies of billing statements which show the account activity that comprised the account balance and delinquencies The Avenue account was opened on May 10, 2014; use of the account or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees The last purchase of $was made on May 10, 2014, and the last payment of $was received on August 15, 2015, and the account is current As of the date of this letter, the account balance is $with a minimum payment of $due on September 16, If you believe that this account was opened due to ID Theft, please complete the enclosed Identity Theft Victim’s Complaint and Affidavit please return the completed Affidavit, to our Account Control Department (Fraud) along with a copy of your driver’s license, and a written request for the application Once this is information is received you will be notified by mail of the findings Listed below is the address and telephone number for our Account Control Department: Account Protection (Fraud) Department West Schrock Road Westerville, OH ###-###-#### (TDD/TYY ###-###-####) We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience If you have any further questions regarding this letter, please contact me at ###-###-####, ext [redacted] *TDD/TTY ###-###-####) I will be happy to assist youSincerely, Renee S [redacted]
Dear [redacted] : We received your complaint regarding the above-referenced credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concernsIn your complaint, you state that there was an inquiry on your [redacted] credit report on February 1, 2015, and you did not authorize your credit file to be obtainedYou are requesting that the inquiry be removed from your credit fileWe understand your concerns, and apologize for any inconvenience or frustration this matter may have caused youWe attempted to locate the account in question; however, we are unable to locate the account with the information you have providedTo better assist you, we need additional information to locate the account(s) in questionPlease provide the following: ? The information showing on your credit report ? Complete Comenity Bank Account Number ? Any Previous Names of Accountholder ? Any Previous Addresses ? Home Telephone Number ? Social security number This information can be mailed to the address listed above, or faxed to my attention at [redacted] I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist youSincerely, Jenny W*** Consumer Relations Specialist
We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accountComenity Bank issues avenue® credit card accounts, and we are here to assist with your account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you spoke to Comenity Bank regarding a charge on your account as well as a late fee of $During this conversation, you were advised you were charged for a magazine subscription, that you state you never ordered, as well as a late fee for non-paymentYou were assured that the late fee was being removed and you were transferred to the magazine company to request a credit for the magazineOn October 24, 2016, you again received a statement with another late fee assessed to the accountYou are requesting that the Revdex.com determine whether the Bank is charging customers for subscriptions that were not authorizedI am happy to share my findings with you.When customers make purchases, they are offered an optional magazine subscriptionThis product is offered through [redacted] a third party vendorPlease be advised that [redacted] and Comenity Bank are separate entitiesGenerally, this magazine service includes a free trial period which is disclosed during the enrollment offerIf the magazine enrollment is not cancelled by the end of the trial period, charges for the magazine subscription(s) will be applied to the avenue® accountOur records indicate that a charge of $for a subscription to Weight Watchers magazine was applied to your account on July 18, On July 22, 2016, a billing statement was issued to you which reflected this charge and provided a phone number to call, should you have any questions regarding the chargeAfter a thorough review of the account, credits totaling $were issued on October 25, 2016, for Bank fees that were assessed to the account due to this matterAdditionally, [redacted] has issued a credit in the amount of $for the magazine subscription.Please be assured the account was closed at your request on October 24, 2016.We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused youIf you have any further questions about your account, please contact me at (800) 675-5685, ext(TDD/TTY (800) 695-1788)I will be happy to assist you.Sincerely,Renee S
*Consumer Relations SpecialistCC:Revdex.com
Revdex.com: I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me My original complaint was mistaken, but I did not realize that from my previous communications with them The previous customer service representatives did not address my complaint properly and gave me inaccurate information After opening this complaint with the Revdex.com, they addressed this misunderstanding promptly and thoroughly
I called the individual at the extension provided immediately upon receiving the communication and left my information and number that I could be reached at on her voicemail My call was not returned...this is indicative of the service that Comenity has provided throughout the process of trying to settle my mother's estate I have still been unable to pay this final bill after the account was passed to collection weeks ago as the collection company now indicates that the account is under review/research If Comenity has given me any time at all between granting my access to the account and handing off to collection, this matter would be resolved.At this point, my preference would be to pay the balance, which has been doubled since the original purchase weeks before my mother's passing, and to ensure that this matter is documented online for others to socialize how awful it is to deal with Comenity I have searched other reviews and seen several other customers that Comenity has reached out to and asked to contact them to help with their case - it seems evident that comenity does this when Revdex.com gets involved with no real desire to assist, only to clear the complaint for public perception
Dear Mr [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts Comenity Bank issues gordmans, LANE BRYANT, and christopher & banks credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you are receiving calls from Comenity Bank regarding payments owed on the above-referenced accounts You state these calls are irritating to your wife You are requesting that the calls are stopped and you advise that you will make the payments when you can Per your request, a "cease and desist" status has been placed on your accounts This cease and desist request will stop all future collection calls, but it will also suspend authorizations for new purchases on all of your accounts since we will be unable to contact you You will continue to receive certain legal communications as permitted by law Your request to cease and desist contact on your accounts may be changed at any time by contacting us again in writing at the below address: [redacted] ** [redacted] We understand customers may experience difficulty making their payments due to economic factors You may be eligible for enrollment in our 12- month Customer Hardship Program, or our Long Term Workout Program These programs provide customers with special terms in order to bring the accounts current If you are interested in obtaining information on whether you qualify for these programs, please contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####).Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance Their programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditors We support and participate in the programs provided by CCCS agencies Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####.We value you as a customer, and we sincerely apologize for any frustration or inconvenience this matter has caused you If you have any further questions about your accounts, please contact our Payment Solutions team at the telephone number provided They will be happy to assist you.Sincerely, Renee S***
I returned the merchandise upon receipt with the UPS carrier man, the warehouse received the merchandiseI have proofs of this: 1) the credit registered on my Wayfair account webpage showing the word "Returned"2) the UPS dropped the delivery tag number in their system indicating that the returned item had been successfully and finally received at the Wayfair warehouse.In addition, please note that I have not retained any paperwork related to this dispute to furnish documentation a second timeIf you wish, I will provide 1) a scan of my Wayfair page proving receipt of the returned merchandise indicated by the company markings and 2) a printed copy of my receipted check for the shipping and handling part of the bill As for the late charges, there should have been none at all to begin with I returned the item without opening the same day the UPS man stopped at my door Regards, [redacted] ***
the error in the account is yours if somebody took the time it would take to accurately research this, you would see that there is no money on the account that is for merchandise its all finance charges and late fees thats it I am a responsible person if I make a mistake, I own it you should do the same thing you ignore the fact that I have repeatedly said I could not access my account via your web site I therefore had statements sent via my bank, td bank all the payments I made were of merchandise, and interest accrued on the merchandise no money there is for merchandise its interesting that you claim that [redacted] cant be the address on my statement, for reasons that boggle the mind, yet the letter you sent me has the address correct, [redacted] the statement for december was received by me in february this is as a result of your erroneously having my address as [redacted] ** they arent the same thing you ask for my address and I give it to you you should figure out a way to make the address the way the customer tells you it is against the law to threaten me with negative information on my credit report history if you continue this threat, if you do anything to my credit report, I will have no alternative but to report you to the FTC for violation of the fcba youve already lost a customer I will never shop in victoria's secret again as a result of your actions, I no longer have a victoria's secret credit card start doing the right thing straighten out the mess youve made with this account I will pursue this legally Regards, [redacted]
Dear Larhonda DLacour:Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.We previously received and responded to correspondence submitted to the Revdex.com regarding this same matterPlease find enclosed a copy of our response sent to you on June 12, 2017.As stated in our previous response, please contact our Account Protection Team at the phone number listed below and reference case number [redacted] , should you have any additional questions regarding your fraud case.I hope you found this information to be helpfulShould you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####.Sincerely,Jenny W***Compliance Dept– Consumer Responses
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Woman Within® credit card accounts, and we are hereto assist you with all account-related questionsI appreciate the opportunity to respond to yourconcerns.We understand from your complaint that your balance has increased even though you have notplaced any ordersYou are receiving harassing telephone calls throughout the day, and youwould like them to stopYou state that we agreed to the minimum due amount of $permonth, which has not been processed.Please understand, when an account is delinquent, we will make attempts to contact the customerregarding the status of the accountMany times a payment is overlooked by the customer, anda reminder call is helpful to bring the account back to a current statusDue to potential negativeramifications for our customers if an account remains delinquent, we may call until our attempt tocommunicate is successful.Bank records indicate a billing statement was sent to you on March 22, 2016, with a balance of$900.91, and a minimum payment of $40.00, due by April 17, We did not receive a paymentby April 17, 2016.Please keep in mind when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement.A billing statement was sent to you on April 21, 2016, with a balance of $947.22, and a minimumpayment of $85.00, due by May 17, A payment of $was received on May 5, 2016.The statements that were issued from May to October had an increased minimum paymentrequirement due to the missed payment for April When the minimum payment is not paidin full, the past due amount is added to your next month’s minimum dueWe have enclosedcopies of the billing statements, which show the account activity that comprised the accountbalance.I have listened to the telephone calls, and I am unable to find the conversation where we statedyour minimum payments would be $During one of the telephone conversations, you wereadvised that your payment would go back to $a month, after the account became current.Please be assured, we received your payment of $1,on November 8, As of the dateof this letter, your account has a zero balance; therefore, no further collection calls will be placed.I hope this information is helpfulIf you have any further questions regarding your account, pleasecontact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assistyou.Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Dear [redacted] We received your additional complaint, sent to the Revdex.com, regarding the above-referenced account Comenity Bank issues Avenue credit card accounts, and we are here to help answer your questions I appreciate the opportunity to assist you with your concerns.We understand from your additional complaint that you are questioning a matter regarding the routing number associated with your financial institution You are requesting an answer regarding why, or if, the Bank drops the first zero of the routing numberWe previously received and responded to your complaint submitted to the Revdex.com regarding this same matter on August 27, 2015, September 11, 2015, September 21, 2015, October 2, 2015, and October 14, Please refer to the previous response dated October 14, 2015, regarding the matter of the routing number Please understand that Comenity Bank’s decision remains unchanged and the Bank considers this matter closed.We hope you find this information helpful If you have any further questions regarding this letter, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, Renee S [redacted]
We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountComenity Bank issues VICTORIA'S SECRET credit card accounts, we are here to answeraccount-related questionsYour complaint was forwarded to my attention and I appreciate theopportunity to assist you.We understand that you set up auto payments for your account and you continue to be charged late feesalthough you have made your payment(s)You state that the minimum payment and the monthly duedate are being changed and that managers should not be allowed to change this informationAftercalling the Bank to discuss these concerns, you were left feeling like you were inadequate, and that noone wanted to help you resolve these concernsYou do not feel that the late fees should be assessed toyour account, and that the company would rather send your account to collections than help youunderstand what is going onYou are requesting help to get your account back on track.I have reviewed your account and I am happy to share my findings.Bank records indicate that the Annual Percentage Rate (APR) for your account is 24.99% and themonthly repayment schedule is 5% of the monthly balance listed on your statementThe minimumpayment due date is the 7th of each month and does not changeThe minimum payment can changesystemically based on the monthly statement balance and late fees will be assessed if the minimumpayment due is not received, received after the due date, or received for less than the required minimumpayment due, as explained in the Bank's Credit Card Agreement (CCA).As the balance increases, the minimum monthly payment may increase based on the explanation above;however, again, the minimum payment due date remains the same every month.Bank records indicate that you have made multiple payments in the past months; made after thepayment due date or made for less than the required minimum payment due, resulting in late fees totaling$Enclosed are copies of the billing statements reflecting the fees and the Bank's Credit CardAgreement (CCA).Bank records further indicate that you called our Customer Care team on April 8, 2016, and I havereviewed this callDuring this call, you were verifying that you made a payment, and you wanted to besure the payment would post to your account before the due date so you were not charged a late fee.Our associate advised that the payment should post in time, with no late fees, and that she would monitoryour account to ensure thisUnfortunately, we did not confirm that you asked for the minimum paymentamount from the associate and believe this is where the confusion occurredThe call interaction waspleasant and you were thankful for the information the associate provided to youWe sincerely apologizeif you believe your experience was less than satisfactoryComenity Bank strives to provide world-classservice to its customers, and it is never our intention to cause a customer a hardship.As the account minimum payment due by April 7, 2016, was $85.00, as reflected on your March billingstatement and, we only received $on the payment due date, your account was assessed a $35.00late fee for the minimum payment shortage, not because of a due date changeHowever, the associateyou spoke to on April 13, 2016, issued a $credit to remove the late fee assessed to the account onApril 7, 2016.In addition, I reviewed your communication sent through to the Bank's Secure Message Center on April18, 2016, and the telephone callDuring the internet interaction, you indicated that you made a $75.00payment for April and you are now receiving telephone calls about a past due paymentYou state thatyou called the day before (as described above), to verify the minimum payment due, and to be sure thatyou would not be assessed a late fee; the associate informed you that you were paying the correctamount and that you would not be charged a late feeNow, the minimum payment due had increased to$and the automated system indicated the minimum payment as $90.00; due "today"The Bank'sInternet associate responded to you and advised that the $payment was received on April 7, 2016;however, the minimum payment due was $and, as a result, the account was charged a late fee;however, this late fee had been credited to your account.During the April telephone call, our associate explained that the April payment for $was$short of the minimum payment due of $85.00, and is the reason why the account became pastdue and was charged a late fee.Please be advised that the minimum payment reflected $because the May minimum due is$and the account was past due $When an account is past due, the payment due will reflectthe current amount due and the past due; including unpaid bank-fees.In addition, in reviewing your account, please be advised that you enrolled in Account Assure, an optionaldebt cancellation program, on February 21, This program charges a fee of $per $of themonthly statement balanceIf the balance is zero, there is no feePlease refer the enclosed statementsfor the fees assessedIf you wish to cancel the program, please contact me using the number below.In an effort to help you resolve these concerns and to get the account back on track, in the interest ofcustomer service, I have issued credits totaling $to remove all late fees assessed in the past 24monthsAdditionally, I have removed the current and past due minimum payment; however, be assuredthat your pending payment of $scheduled for May will still be postedThe credits, new balance,and minimum payment due will reflect on your next billing statement for May 2016.You are a valued customer and again, we sincerely apologize for any confusion or frustration you haveexperienced as a result of this matterIf you have any further questions or concerns, please contact meat 1.800.675.5685, ext [redacted] (TDD/TTY 1.800.695.1788)I will be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
Dear Mr [redacted] We received your complaint, submitted to the Revdex.comComenity Bank issuesVICTORIA'S SECRET credit cards, and we are here to help answer account-related questions.Your complaint was forwarded to my attention and I appreciate the opportunity to address theconcerns.We understand the concerns explained in your complaintHowever, as Comenity Bank is notauthorized by the accountholder to release information to you, we have mailed the responsedirectly to Mrs [redacted] .I apologize for any confusion or inconvenience this may have caused youIf you have anyfurther questions or concerns, please have Mrs [redacted] contact me directly to provideauthorization to speak to you at ###-###-#### ( TDD/TTY ###-###-####)Iwill be happy to assist you with this authorization.Sincerely,Shawnda Y***
Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced account Comenity Bank issues the Gander Mountain Mastercard credit cardWe are here to answer your questions and assist with your concerns We received and responded to your correspondence submitted to the Revdex.com regarding this same matterPlease find enclosed a copy of our response dated December 4, A copy of the front and back of the check issued to [redacted] was sent with the December 4, 2017, correspondence via mailPlease allow days for the correspondence to be received I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses
Comenity Bank was the one who entered into agreement with American Laser Skincare to handle their financing They are telling me seek repayment by American Laser Skincare and aren't taking responsibility Comenity Bank continued to collect payments after American Laser closed its doors, and I am in contact with many people who have been reimbursed the money they sent to Comenity Bank to pay off their American Laser Skincare accounts Comenity sent the other people checks, not American Laser, who has since filed for bankruptcy If this division of Comenity Bank is denying responsibility and putting the blame on the other division of the bank, then they need to put me in contact with the correct person, in the correct department at Comenity Bank, so that I can get my money refunded Regards, [redacted]