Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues THE LIMITED credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you opened THE LIMITED account, made...
a purchase, and went online to pay the balance in full. You received an additional statement ready email; however, you deleted it as you had paid the balance in full. The next month you received phone calls, and realized the email did have a balance. After reviewing your statement online, you noticed that the payment made on October 13, 2016, was one day late. You spoke with the Bank, and were credited one of the two late fees. Additionally, you paid the other late fee and closed the account. You want to insure this does not hurt your credit report. I am happy to share my findings. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Bank records indicate that your payment due date is the 12th of each month. A payment of $450.98 was scheduled on October 13, 2016, via the Account Center website. This payment posted after the due date; therefore, a late fee was assessed. A Statement Ready Email (SRE) was sent October 21, 2016, advising of the statement closing on October 17, 2016, which showed a balance of $27.00, due by November 12, 2016. As no payment was made, an additional late fee was assessed. An SRE was sent on November 20, 2016, advising of the statement closing on November 16, 2016, which showed a balance of $55.00, and a minimum payment of $32.00, due by December 12, 2016. On December 6, 2016, you made a payment with a representative for $27.00 for the initial late fee; the finance charge of $1.00, and additional late fee of $27.00 were credited. This bought the account balance to zero. Additionally, the account was closed per your request. Please be advised that this matter did not cause a delinquency to be reported to the credit bureaus. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M
Dear Ms. [redacted] We have 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. We understand from your complaint that you opened an account on May 6, 2015, in a retail Avenue store. You also state that when you made the purchase on that day you paid cash for the purchase. Additionally, you state that you disputed the charge for this purchase on your credit card and were advised to send in the receipt for this purchase to further investigate this matter. You are requesting the charge be removed from your account due to you no longer having the receipt for this payment. I am happy to share my findings. Bank records indicate that we responded to this complaint on August 26, 2015. Enclosed is a copy of the previous letter for your review. Please be advised that Comenity Bank and Avenue are two separate entities. The Bank is responsible for addressing questions related to your credit card while the Retailer, Avenue, is responsible for the handling of matters related to sales, merchandise processing, returns and shipping. After a review of the account I found that the account was opened on May 4, 2015, at the Avenue store located at [redacted]. At that time a purchase, in the amount of $42.00, was placed on the Avenue credit card. As no payments were received by the Bank, late fees and finance charges have been assessed to the account. As of the date of this letter, the account balance is $213.71 with a minimum payment of $55.00 due on November 13, 2015, and the account is five billings cycles past due. If the account exceeds six billing cycles past due, the account may be closed, written off and reported to the credit-reporting agencies as an unpaid debt. This information could remain on your credit report for up to seven years. If you choose to set up suitable payment arrangements, please contact our Payment Solutions Team at ###-###-####. If you have been able to obtain a copy of the receipt, you may fax it to my attention at ###-###-#### and I will investigate further. 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 regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Woman Within credit card. We are here to answer your questions and assist with your concerns. We understand that you placed an order for several items that did not fit properly. The items were returned for an exchange in which you have not received the new items, but have been charged for them. You state that you are being charged $23.29 plus a late fee that you refuse to pay, and you have attempted to resolve this issue. You would like to have the charge and the late fee removed. We are happy to further assist you with this issue. In order for us to conduct further research we require some additional information. ? A Brief explanation about why the charge(s) is being disputed ? Dates of the specific transaction(s) ? The specific item(s) that were ordered and returned ? Dates if when the item(s) were sent back for exchange or refund. Please send the above information to: Comenity Bank [redacted]
[redacted] Once we have received this information, we will promptly investigate your dispute. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L[redacted] Diamond L[redacted]
Dear Mr. [redacted]We received your complaint, addressed to the
Revdex.com, regarding the above-noted account. Comenity Bank issues Gander Mountain
MasterCard® accounts, and we are here to help answer all account-related
questions. Your complaint was forwarded
to my...
attention for review, and I appreciate the opportunity to assist you. We understand your concerns regarding the
Account Assure charges that have appeared on your account, and that you state these
are not charges that you agreed to.Our records indicate that you enrolled in Account
Assure on April 13, 2013, and the account has received a charge for this product
each month that there was an account balance. Account Assure was canceled at your request on
November 14. 2014.Please be assured that credits totaling
$1,608.23 have been issued to your account for the Account Assure. Additionally, a credit of $35.00 was issued
to remove the most recent late fee added to your account and a credit of $31.60
has been issued to credit finance charges added to the account because of the
Account Assure.We value our customers and hope the
information provided is helpful. If you have
any further questions or concerns regarding the account, please contact me at
###-###-####, ext. [redacted]. I will be
happy to assist. Sincerely,Justina M[redacted]
Hi,I’m writing to follow up on the complaint number [redacted]. Its been too long since the business asked for an extension on time. I’m planning to sue them in court if they don’t respond positively so please let me know when their clock to respond runs out.Thanks [redacted]###-###-####
Dear Ms. [redacted] Comenity Bank received a complaint, addressed to the Revdex.com, regarding the above-noted account. As the bank that issues Roaman’s® credit card accounts, we respond to all account-related concerns. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to assist you. Thank you for taking the time to speak with me on July 1, 2016, regarding your experiences when you attempted to change your due date. Based upon our conversation, we were able to determine that your complaint regarding your due date has been resolved after speaking with our Customer Care team on May 14, 2016. During your previous telephone call, we advised that your due date was changed to the 7th of every month, and that a late fee credit of $35.00 has been issued to the account, in the interest of customer service. Please understand, when an account becomes past due, we are unable to request a due date change. Once the minimum payment is received, and the account is brought current, the consumer has the ability to request a due date change. Please keep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee and finance charge, as explained in the Credit Card Agreement (CCA). ...⇄ As of today’s date, the balance on your Roaman’s® account is $231.73. A $20.00 payment posted to the account on July 1, 2016. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you. Online: Online payments submitted before 8 p.m. Eastern Time (ET) can be credited to your account same-day. Online payments submitted after 8 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your Roaman’s® account. Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. The above information and more can be found by visiting: [redacted] We value you as a customer, and we hope that you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Westgate Rewards MasterCard account. We are here to answer your questions and assist with your concerns. We understand from your additional complaint that you were not aware of Comenity Bank financing the Westgate Rewards MasterCard. You state that it was not after two weeks when you attempted to cancel it, that you started receiving bills from the Bank. You state the amount owed is the accumulated monthly fee Westgate planned to have charged if you agreed to the contract, however; due to sending all the documents back and never using the benefit of the contract, you have no obligation to pay the Bank. Additionally, you disagree that the account is being reported correctly to the credit reporting agencies because you do not owe the debt on the account. Also, you state that you left a voicemail at the number provided on the previous correspondence and you were not contacted. You feel the Bank is making it difficult to close this case, therefore; you request compensation and the account removed from your credit report. I am happy to share my findings. Please be assured I returned your voicemail on April 13, 2017, and left my name and number. There was no returned voicemail left. As stated in the previous correspondence, Westgate and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Westgate is responsible for handling matters related to sales, merchandise processing, returns and shipping. I have enclosed a copy of the timeline received from Westgate regarding this matter. The account is seven billings past due, with an outstanding balance of $4,100.35 and a minimum payment of $465.00 due by May 20, 2017. The account wrote off on April 25, 2017. Please contact our Recovery department at ###-###-#### to set up suitable payment arrangements. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. We again respectfully decline your request for compensation. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosure
Comenity Capital Bank has received your correspondence regarding the
above-referenced account.
Comenity Capital Bank issues the HSN credit card. We are here to
answer your questions and assist with your concerns. We understand from your complaint, submitted
to the Better...
Business Bureau, that you made a purchase of a Bose system, and you
purchased the warranty. This purchase was put on a promotional plan of 12
months free financing if paid within 12 months. You state that your statements
were received via your email, you state that you did only look at the first
page that included your minimum payment and did not look at the third page that
showed the details of your promotional plans. You also state that you reach out
to the Bank and spoke to a representative and was advised to contact the Bank
to advise how much of your payment was to be added to the Bose system.
Additionally, you state that you made a payment late in November 2016 and
received a late fee. On January 21, 2017, a finance charge was applied to the
account. You are requesting that the finance charges be waived.Our records indicate on December 2, 2015, a
purchase of $599.95 posted to your account and was placed on a 12-month
deferred interest, payment required plan that expired on December 2, 2016. On
December 10, 2015, a purchase of $69.95 posted to your account and was placed
on a 12-month deferred interest, payment required plan that expired on December
10, 2016. For purchases on these plans, the customer is required to make payments
on the promotional plans balance based on the standard repayment terms for
their account. Interest is accrued (calculated, but not added to the balance),
and if the balances are not paid in full by the plan end date, the accrued
finance charges, which were calculated from the date of the original purchase,
will be added to the deferred balances, and these balances will be moved to the
customer’s revolving balance. Please be advised that information regarding your
promotional plans appeared on your monthly
billing statements, under the heading, “details of your plans”. Additionally,
beginning with the October 2016 billing statement, notification was provided
which advised your promotional plans was expiring soon. I have enclosed your
billing statements for your review. Please be advised
that a statement was issued to you on November 6, 2016, showing a balance of
$789.87 with a minimum payment of $43.00 due by December 2, 2016. Under the
“details of your plans” section of your statement, it stated that the
promotional balance of $309.81 needed to be paid in full by December 2, 2016,
and the promotional balance of $24.95 needed to be paid in full by December 10,
2016, to avoid paying accrued interest. The Bank received a
payment of $75.00 on December 2, 2016. As a result of the promotional balance
not being paid in full by the plan expiration date, the accrued interest of
$114.41 was assessed to your account on December 2, 2016, and the remaining
promotional balance of $243.48 was moved to revolving, which is subject to
normal monthly finance charges.Comenity Capital Bank did not find any errors
with the account. Therefore, we are unwilling to remove the finance charges, as
they are valid. In regard to the call placed to the Bank
regarding your Bose system promotional plan payment and how your payment is
allocated to this promo plan; if you would like to have more of your payment
allocated to the Bose system promotional plan, you may call the Bank and advise
the Bank of how much you would like to be allocated to the Bose system
promotional plan at that time.In regard to the
late fee assessed in November 2015; the online payment you made on November 2,
2016, for $50.00 was submitted at 9:50p.m. ET which missed the cutoff timeframe
of 8pm ET for same-day processing; therefore, the payment was not posted to
your account until the following day. Please be advised that our payment cut
off timeframes are disclosed on your monthly billing statement under a section
called "Payments". All fees are valid and they were assessed in
accordance to your Credit Card Agreement. As of the date of this letter, your account
balance has credit balance of $38.23. You may use this credit balance towards
you next purchase or contact me directly at the telephone number below to
request a refund check.I hope you have found this information to be
helpful. If you have any questions or concerns, please feel free to contact me
at ###-###-####.Sincerely,
Dear Ms [redacted] I am writing to you in reference to my previous telephonic conversations regarding complains ( previous complaint #: [redacted]) done on Revdex.com official website against comenity bank’s fraud, harassment, abuse during the conversation. Initially when I called the helpline the representatives their representatives started shouting at me. I was in a shock that what a Highly non-professional customer services helpline with extremely bad/rude tone of voice. One of the representative told me that their management told them to shout at me so that media and people talk about it and they can use me for marketing and publicity stunts by abusing me. On June, 15 2017 the medication box which I bought from DSW store for around $10.97 dollars was being adjusted with my birthday gift card and the till the month of September 2017 paperless bill statement proof which I have printed and also attached in the email: [email protected] with a subject attention to Mr. [redacted]. In the month of October when I called the helpline to check my credit limit comenity bank employee told me that you got charged a late fee of $24 dollars on $10.97. I said why when it was being adjusted with my birthday gift card. The representative stated misbehaving and told me that either DSW or the bank didn’t adjusted the gift card because of that problem you got charged late fee. I even sent email proofs of $0 bill balance to DSW / comenity bank as a reply to one of the postal mails. I have confirmed by bill via IVR; the bill was $0 till the month of September 2017. But in the month of October when I told the csr of comenity bank that as per IVR and my online emails the balance is $0 and you are saying that its $24 which is a late fee (Basically, they were doing a fraud which I don’t want to be a part of). Disputed Amount which is actually a fraudulent late fee which comenity bank is charging for this month is : $165.72Kindly, look into this issue and help me in getting rid of this abuse and fraud, identity theft which comenity bank or DSW is doing.DSW told me that they have nothing to do with any of comenity bank’s fraud that they are doing and we don’t want to be a part of that fraud. We didn’t gave them the permission if they are trying to convey any indirect fraudulent messages. Thanks & Regards
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-noted...
account.Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assistwith your concerns.We understand from your complaint you received an email advertising a one year no-interestpromotional plan and when you went online to use the coupon code that was provided, the websitewould not recognize it. Therefore, you called customer service to place the order and were assuredthe coupon was applied. However, when you reviewed your statement you noticed you had beenassessed interest charges. You are requesting the interest charges be refunded, and not to have anyadditional interest charges as long as your balance is paid by July 2017. We would like to apologizefor any inconvenience this matter may have caused you.We contacted [redacted] on your behalf and we have confirmed that your purchase for $959.65 onJuly 22, 2016, was supposed to be placed on the 12 month deferred interest, payment required plan.To correct this error, we have removed $93.86 in interest charges from your account. Thank you foryour payment of $225.00 which posted to your account on February 21, 2017. Please be assured wetransferred your remaining balance of $9.65 to the 12 month deferred interest, payment required planwhich is scheduled to expire on July 23, 2017. Please be advised that the full balance must be paidby the promotional plan expiration date to avoid accrued interest from being assessed to the account.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,[redacted]
[redacted]
[redacted]Tell us why here...
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards, [redacted]
.Thank you for contacting Comenity Bank regarding the above-referenced account. As the bank that issues
OLD PUEBLO TRADERS® credit card accounts, we are here to help with account-related questions. Your
complaint was forwarded to my attention, and I appreciate the opportunity to assist you.
We...
understand from your complaint that you have been receiving late fees, even though all of the
merchandise was returned. You spoke with Comenity Bank and Old Pueblo Traders, and decided to
request an itemized statement, which you believe showed you were still being charged for a mint dress.
You believe you have paid for everything that you have purchased.
Please understand that Comenity Bank and Old Pueblo Traders are two separate entities. Comenity Bank
is responsible for addressing questions related to OLD PUEBLO TRADERS® credit card accounts, while
Old Pueblo Traders is responsible for handling matters related to sales, merchandise processing, returns,
shipping, and merchandise quality.
When you order merchandise from Old Pueblo Traders, your account is charged for the cost of the
merchandise, sales tax (if applicable), and shipping and handling. When the merchandise is returned, your
account is credited for the merchandise and the applicable sales tax. Old Pueblo Traders does not refund
shipping and handling charges. In addition, if the provided return label is used to return the package, the
return label fee is also charged to your account.
We reached out to Old Pueblo Traders on your behalf and they have issued credits totaling $19.98 to
remove two shipping fees. In the interest of customer service, the Bank has issued additional credits
totaling $157.65 to the account to remove the late fees and finance charges. These credits have processed
and your account balance is zero.
Please be assured, we have sent notification to the national credit-reporting agencies with instructions to
remove the negative payment information, regarding the OLD PUEBLO TRADERS® account, from your
credit bureau report. Please allow the credit-reporting agencies 45 days to update their records.
I hope this information is helpful. If you have any further questions regarding your account, please contact
me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the application referenced above. Comenity Bank issues burkes OUTLET® credit card accounts, and we are here to assist you with all application-related questions or...
concerns. I appreciate the opportunity to respond to your concerns. We understand from your complaint that you contacted our Customer Care team in order to finish processing your burkes OUTLET® credit card application. The Customer Care representative advised that the questions would be based off of your current credit bureau report from Equifax. You state she asked multiple questions to verify your identity including your zodiac sign. You refused to provide your zodiac sign since that question had nothing to do with your credit report. We advised that this information would be required to process your application, and you told the representative you would not answer any questions not related to your credit. You later received a letter stating that you were no longer interested in opening a burkes OUTLET® credit card account, which is not true. You are requesting to be approved for a burkes OUTLET® credit card based on your credit bureau report. We apologize that we were not able to approve your application for a burkes OUTLET® credit card. During our recent phone conversation, we asked some questions in an attempt to verify your identity. You chose not to answer a question, and stated you no longer wanted the account; therefore, the application process was terminated at that time. We apologize for any frustration or inconvenience you may have experienced. Please understand that the additional questions were asked for security reasons. Should you wish to reapply for the burkes OUTLET® credit card account, please visit us online, at [redacted] We hope you find this information to be helpful. Should you have any further questions, please contact me directly at ###-###-#### ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card accounts. We are here to answer your questions and assist with your concerns. Your complaint states that you...
contacted the Bank on December 16, 2016, and informed the representative you wanted to make a payment for the minimum due on your account. You state that the representative advised you that the minimum payment due on your account was $30.00 and you provided her with your bank account information to have the payment processed. However, when you made your payment in January 2017, you realized that your account was assessed a late fee. Furthermore, you state as a result of being told the incorrect information in December 2016, your account became delinquent for December 2016 and January 2017. You further state that you were hospitalized in the beginning of February 2017 and had set up a payment arrangement. However, you state the way the arrangement was set up by the representative caused your account to be over 30 days past due and a delinquency to be reported on your credit bureau report. You are requesting that the phone call made on December 16, 2016, be reviewed, the late fees reversed, and for the delinquency from March 2017 to be removed from your report. I understand your concerns, and apologize for any confusion or frustration this may have caused you. Bank records indicate on October 21, 2016, a statement was issued to you showing a balance of $447.94 with a minimum payment of $27.00 due by November 16, 2016. The Bank did not receive a payment by the due date and as a result, a late fee was assessed to your account. On November 20, 2016, a statement was issued to you showing a balance of $484.42 with a payment of $47.00 due by December 16, 2016. The Bank received a payment of $30.00; however, as a result of the payment being made for less than the required minimum payment due, a late fee was assessed to your account. On December 21, 2016, a statement was issued to you showing a balance of $501.94 with a minimum payment of $42.00 due by January 16, 2017. The Bank received a payment of $20.00 on January 11, 2017, and a payment of $22.00 on January 13, 2017. Thank you for those payments. On January 21, 2017, a statement was issued to you showing a balance of $470.52 with a minimum payment of $27.00 due by February 16, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became one billing period past due. On February 18, 2017, a statement was issued to you showing a balance of $506.86 with a minimum payment of $52.00 due by March 16, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became two billing periods past due and as a result, it was reported as 30 days delinquent to the national credit-reporting agencies. Bank records further indicate that on March 24, 2017, you were contacted by the Bank regarding the status of your account. At that time your account received a courtesy late fee credit, and a payment of $150.00 was scheduled for April 7, 2017. Please be advised that the Bank has no record of a payment arrangement set up for you for the month of February 2017. Furthermore, the Bank reviewed all applicable telephone calls and Comenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you. In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m. (ET) will be credited to your account on the same day, unless you select a date in the future. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on a future scheduled payment date). Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing up to 10 days for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Please review the payments section on the back of your statement for additional information. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter....⇄ hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Jenny W[redacted]
this business does not operate with transparency or clarity. There was a clear bait and switch and I have made clear my case that the transition from promotional to revolving credit occurred 8 months prior than agreed. Unless a refund is issued on fees charged to me, I will continue to reject responses from this organization, that is the only resolution.
Regards, [redacted]
I provided documentation that the required to verify my identity. The letter did not indicate they would close my accounts. I received pre-approved offers for Victoria's Secret and Wayfair.com. I will be reporting their action to the FDIC and the U.S. Consumer Financial Protection Bureau.
Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Lane Bryant credit card. We are here to answer your questions and assist with your concerns. We previously received and responded to your correspondence submitted to the...
Consumer Financial Protection Bureau regarding this same matter. Please find enclosed a copy of our response sent to you on March 2, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Laura R[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosure
Comenity Bank received the complaint for [redacted]. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 06/30/2017.
February 17, 2017 [redacted]
* RE: [redacted] Revdex.com Complaint ID #11991031 Dear [redacted]...
[redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint, submitted to the Revdex.com, that your account was assessed a $27.00 late fee in January 2017 and February 2017. You further state your payment of $108.06 for the January 10, 2017, due date was three days late, and your payment of $34.68 for the February 10, 2017, due date was one date late. You contacted the Bank requesting to have both fees removed, but the associate would only remove one fee. You feel this offer was insulting since you have been a cardholder since 2010, and rarely miss making payments for your purchases. You are requesting to have both late fees credited to your account. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the [redacted] (CCA). Bank records indicate that a billing statement was issued to you on December 15, 2016, with a balance of $108.06, and a minimum payment of $27.00, due on January 10, 2017. Your payment of $108.06 was received on January 13, 2017. As the payment was not received by the due date, a late fee and finance charge were assessed to the account in accordance with the CCA. Bank records further indicate a billing statement was issued to you on January 15, 2017, with a balance of $56.40, and a minimum payment of $27.00, due on February 10, 2017. Your payment of $34.68 was received on February 11, 2017. As the payment was not received by the due date, a late fee and finance charge were assessed to the account in accordance with the CCA. Bank records indicate a billing statement was issued to you on February 12, 2017, with a balance of $27.61, and a minimum payment of $27.00, due on March 10, 2017. As a courtesy, on February 14, 2017, the Bank issued credit in the amount of $27.00 for one of the previously assessed late fees. Comenity Bank did not find any errors with the account; therefore we are unwilling to remove any additional fees, as they are valid. As of the date of this letter, the balance on the account is $.61 due on March 10, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, [redacted] cc: Revdex.com
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues THE LIMITED credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you opened THE LIMITED account, made...
a purchase, and went online to pay the balance in full. You received an additional statement ready email; however, you deleted it as you had paid the balance in full. The next month you received phone calls, and realized the email did have a balance. After reviewing your statement online, you noticed that the payment made on October 13, 2016, was one day late. You spoke with the Bank, and were credited one of the two late fees. Additionally, you paid the other late fee and closed the account. You want to insure this does not hurt your credit report. I am happy to share my findings. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Bank records indicate that your payment due date is the 12th of each month. A payment of $450.98 was scheduled on October 13, 2016, via the Account Center website. This payment posted after the due date; therefore, a late fee was assessed. A Statement Ready Email (SRE) was sent October 21, 2016, advising of the statement closing on October 17, 2016, which showed a balance of $27.00, due by November 12, 2016. As no payment was made, an additional late fee was assessed. An SRE was sent on November 20, 2016, advising of the statement closing on November 16, 2016, which showed a balance of $55.00, and a minimum payment of $32.00, due by December 12, 2016. On December 6, 2016, you made a payment with a representative for $27.00 for the initial late fee; the finance charge of $1.00, and additional late fee of $27.00 were credited. This bought the account balance to zero. Additionally, the account was closed per your request. Please be advised that this matter did not cause a delinquency to be reported to the credit bureaus. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M
.....Please see attached response.
Dear Ms. [redacted] We have 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. We understand from your complaint that you opened an account on May 6, 2015, in a retail Avenue store. You also state that when you made the purchase on that day you paid cash for the purchase. Additionally, you state that you disputed the charge for this purchase on your credit card and were advised to send in the receipt for this purchase to further investigate this matter. You are requesting the charge be removed from your account due to you no longer having the receipt for this payment. I am happy to share my findings. Bank records indicate that we responded to this complaint on August 26, 2015. Enclosed is a copy of the previous letter for your review. Please be advised that Comenity Bank and Avenue are two separate entities. The Bank is responsible for addressing questions related to your credit card while the Retailer, Avenue, is responsible for the handling of matters related to sales, merchandise processing, returns and shipping. After a review of the account I found that the account was opened on May 4, 2015, at the Avenue store located at [redacted]. At that time a purchase, in the amount of $42.00, was placed on the Avenue credit card. As no payments were received by the Bank, late fees and finance charges have been assessed to the account. As of the date of this letter, the account balance is $213.71 with a minimum payment of $55.00 due on November 13, 2015, and the account is five billings cycles past due. If the account exceeds six billing cycles past due, the account may be closed, written off and reported to the credit-reporting agencies as an unpaid debt. This information could remain on your credit report for up to seven years. If you choose to set up suitable payment arrangements, please contact our Payment Solutions Team at ###-###-####. If you have been able to obtain a copy of the receipt, you may fax it to my attention at ###-###-#### and I will investigate further. 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 regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Woman Within credit card. We are here to answer your questions and assist with your concerns. We understand that you placed an order for several items that did not fit properly. The items were returned for an exchange in which you have not received the new items, but have been charged for them. You state that you are being charged $23.29 plus a late fee that you refuse to pay, and you have attempted to resolve this issue. You would like to have the charge and the late fee removed. We are happy to further assist you with this issue. In order for us to conduct further research we require some additional information. ? A Brief explanation about why the charge(s) is being disputed ? Dates of the specific transaction(s) ? The specific item(s) that were ordered and returned ? Dates if when the item(s) were sent back for exchange or refund. Please send the above information to: Comenity Bank [redacted]
[redacted] Once we have received this information, we will promptly investigate your dispute. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L[redacted] Diamond L[redacted]
Dear Mr. [redacted]We received your complaint, addressed to the
Revdex.com, regarding the above-noted account. Comenity Bank issues Gander Mountain
MasterCard® accounts, and we are here to help answer all account-related
questions. Your complaint was forwarded
to my...
attention for review, and I appreciate the opportunity to assist you. We understand your concerns regarding the
Account Assure charges that have appeared on your account, and that you state these
are not charges that you agreed to.Our records indicate that you enrolled in Account
Assure on April 13, 2013, and the account has received a charge for this product
each month that there was an account balance. Account Assure was canceled at your request on
November 14. 2014.Please be assured that credits totaling
$1,608.23 have been issued to your account for the Account Assure. Additionally, a credit of $35.00 was issued
to remove the most recent late fee added to your account and a credit of $31.60
has been issued to credit finance charges added to the account because of the
Account Assure.We value our customers and hope the
information provided is helpful. If you have
any further questions or concerns regarding the account, please contact me at
###-###-####, ext. [redacted]. I will be
happy to assist. Sincerely,Justina M[redacted]
Hi,I’m writing to follow up on the complaint number [redacted]. Its been too long since the business asked for an extension on time. I’m planning to sue them in court if they don’t respond positively so please let me know when their clock to respond runs out.Thanks [redacted]###-###-####
Dear Ms. [redacted] Comenity Bank received a complaint, addressed to the Revdex.com, regarding the above-noted account. As the bank that issues Roaman’s® credit card accounts, we respond to all account-related concerns. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to assist you. Thank you for taking the time to speak with me on July 1, 2016, regarding your experiences when you attempted to change your due date. Based upon our conversation, we were able to determine that your complaint regarding your due date has been resolved after speaking with our Customer Care team on May 14, 2016. During your previous telephone call, we advised that your due date was changed to the 7th of every month, and that a late fee credit of $35.00 has been issued to the account, in the interest of customer service. Please understand, when an account becomes past due, we are unable to request a due date change. Once the minimum payment is received, and the account is brought current, the consumer has the ability to request a due date change. Please keep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee and finance charge, as explained in the Credit Card Agreement (CCA). ...⇄ As of today’s date, the balance on your Roaman’s® account is $231.73. A $20.00 payment posted to the account on July 1, 2016. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you. Online: Online payments submitted before 8 p.m. Eastern Time (ET) can be credited to your account same-day. Online payments submitted after 8 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your Roaman’s® account. Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. The above information and more can be found by visiting: [redacted] We value you as a customer, and we hope that you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Westgate Rewards MasterCard account. We are here to answer your questions and assist with your concerns. We understand from your additional complaint that you were not aware of Comenity Bank financing the Westgate Rewards MasterCard. You state that it was not after two weeks when you attempted to cancel it, that you started receiving bills from the Bank. You state the amount owed is the accumulated monthly fee Westgate planned to have charged if you agreed to the contract, however; due to sending all the documents back and never using the benefit of the contract, you have no obligation to pay the Bank. Additionally, you disagree that the account is being reported correctly to the credit reporting agencies because you do not owe the debt on the account. Also, you state that you left a voicemail at the number provided on the previous correspondence and you were not contacted. You feel the Bank is making it difficult to close this case, therefore; you request compensation and the account removed from your credit report. I am happy to share my findings. Please be assured I returned your voicemail on April 13, 2017, and left my name and number. There was no returned voicemail left. As stated in the previous correspondence, Westgate and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Westgate is responsible for handling matters related to sales, merchandise processing, returns and shipping. I have enclosed a copy of the timeline received from Westgate regarding this matter. The account is seven billings past due, with an outstanding balance of $4,100.35 and a minimum payment of $465.00 due by May 20, 2017. The account wrote off on April 25, 2017. Please contact our Recovery department at ###-###-#### to set up suitable payment arrangements. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. We again respectfully decline your request for compensation. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosure
Comenity Capital Bank has received your correspondence regarding the
above-referenced account.
Comenity Capital Bank issues the HSN credit card. We are here to
answer your questions and assist with your concerns. We understand from your complaint, submitted
to the Better...
Business Bureau, that you made a purchase of a Bose system, and you
purchased the warranty. This purchase was put on a promotional plan of 12
months free financing if paid within 12 months. You state that your statements
were received via your email, you state that you did only look at the first
page that included your minimum payment and did not look at the third page that
showed the details of your promotional plans. You also state that you reach out
to the Bank and spoke to a representative and was advised to contact the Bank
to advise how much of your payment was to be added to the Bose system.
Additionally, you state that you made a payment late in November 2016 and
received a late fee. On January 21, 2017, a finance charge was applied to the
account. You are requesting that the finance charges be waived.Our records indicate on December 2, 2015, a
purchase of $599.95 posted to your account and was placed on a 12-month
deferred interest, payment required plan that expired on December 2, 2016. On
December 10, 2015, a purchase of $69.95 posted to your account and was placed
on a 12-month deferred interest, payment required plan that expired on December
10, 2016. For purchases on these plans, the customer is required to make payments
on the promotional plans balance based on the standard repayment terms for
their account. Interest is accrued (calculated, but not added to the balance),
and if the balances are not paid in full by the plan end date, the accrued
finance charges, which were calculated from the date of the original purchase,
will be added to the deferred balances, and these balances will be moved to the
customer’s revolving balance. Please be advised that information regarding your
promotional plans appeared on your monthly
billing statements, under the heading, “details of your plans”. Additionally,
beginning with the October 2016 billing statement, notification was provided
which advised your promotional plans was expiring soon. I have enclosed your
billing statements for your review. Please be advised
that a statement was issued to you on November 6, 2016, showing a balance of
$789.87 with a minimum payment of $43.00 due by December 2, 2016. Under the
“details of your plans” section of your statement, it stated that the
promotional balance of $309.81 needed to be paid in full by December 2, 2016,
and the promotional balance of $24.95 needed to be paid in full by December 10,
2016, to avoid paying accrued interest. The Bank received a
payment of $75.00 on December 2, 2016. As a result of the promotional balance
not being paid in full by the plan expiration date, the accrued interest of
$114.41 was assessed to your account on December 2, 2016, and the remaining
promotional balance of $243.48 was moved to revolving, which is subject to
normal monthly finance charges.Comenity Capital Bank did not find any errors
with the account. Therefore, we are unwilling to remove the finance charges, as
they are valid. In regard to the call placed to the Bank
regarding your Bose system promotional plan payment and how your payment is
allocated to this promo plan; if you would like to have more of your payment
allocated to the Bose system promotional plan, you may call the Bank and advise
the Bank of how much you would like to be allocated to the Bose system
promotional plan at that time.In regard to the
late fee assessed in November 2015; the online payment you made on November 2,
2016, for $50.00 was submitted at 9:50p.m. ET which missed the cutoff timeframe
of 8pm ET for same-day processing; therefore, the payment was not posted to
your account until the following day. Please be advised that our payment cut
off timeframes are disclosed on your monthly billing statement under a section
called "Payments". All fees are valid and they were assessed in
accordance to your Credit Card Agreement. As of the date of this letter, your account
balance has credit balance of $38.23. You may use this credit balance towards
you next purchase or contact me directly at the telephone number below to
request a refund check.I hope you have found this information to be
helpful. If you have any questions or concerns, please feel free to contact me
at ###-###-####.Sincerely,
Dear Ms [redacted] I am writing to you in reference to my previous telephonic conversations regarding complains ( previous complaint #: [redacted]) done on Revdex.com official website against comenity bank’s fraud, harassment, abuse during the conversation. Initially when I called the helpline the representatives their representatives started shouting at me. I was in a shock that what a Highly non-professional customer services helpline with extremely bad/rude tone of voice. One of the representative told me that their management told them to shout at me so that media and people talk about it and they can use me for marketing and publicity stunts by abusing me. On June, 15 2017 the medication box which I bought from DSW store for around $10.97 dollars was being adjusted with my birthday gift card and the till the month of September 2017 paperless bill statement proof which I have printed and also attached in the email: [email protected] with a subject attention to Mr. [redacted]. In the month of October when I called the helpline to check my credit limit comenity bank employee told me that you got charged a late fee of $24 dollars on $10.97. I said why when it was being adjusted with my birthday gift card. The representative stated misbehaving and told me that either DSW or the bank didn’t adjusted the gift card because of that problem you got charged late fee. I even sent email proofs of $0 bill balance to DSW / comenity bank as a reply to one of the postal mails. I have confirmed by bill via IVR; the bill was $0 till the month of September 2017. But in the month of October when I told the csr of comenity bank that as per IVR and my online emails the balance is $0 and you are saying that its $24 which is a late fee (Basically, they were doing a fraud which I don’t want to be a part of). Disputed Amount which is actually a fraudulent late fee which comenity bank is charging for this month is : $165.72Kindly, look into this issue and help me in getting rid of this abuse and fraud, identity theft which comenity bank or DSW is doing.DSW told me that they have nothing to do with any of comenity bank’s fraud that they are doing and we don’t want to be a part of that fraud. We didn’t gave them the permission if they are trying to convey any indirect fraudulent messages. Thanks & Regards
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-noted...
account.Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assistwith your concerns.We understand from your complaint you received an email advertising a one year no-interestpromotional plan and when you went online to use the coupon code that was provided, the websitewould not recognize it. Therefore, you called customer service to place the order and were assuredthe coupon was applied. However, when you reviewed your statement you noticed you had beenassessed interest charges. You are requesting the interest charges be refunded, and not to have anyadditional interest charges as long as your balance is paid by July 2017. We would like to apologizefor any inconvenience this matter may have caused you.We contacted [redacted] on your behalf and we have confirmed that your purchase for $959.65 onJuly 22, 2016, was supposed to be placed on the 12 month deferred interest, payment required plan.To correct this error, we have removed $93.86 in interest charges from your account. Thank you foryour payment of $225.00 which posted to your account on February 21, 2017. Please be assured wetransferred your remaining balance of $9.65 to the 12 month deferred interest, payment required planwhich is scheduled to expire on July 23, 2017. Please be advised that the full balance must be paidby the promotional plan expiration date to avoid accrued interest from being assessed to the account.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,[redacted]
[redacted]
[redacted]Tell us why here...
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards, [redacted]
.Thank you for contacting Comenity Bank regarding the above-referenced account. As the bank that issues
OLD PUEBLO TRADERS® credit card accounts, we are here to help with account-related questions. Your
complaint was forwarded to my attention, and I appreciate the opportunity to assist you.
We...
understand from your complaint that you have been receiving late fees, even though all of the
merchandise was returned. You spoke with Comenity Bank and Old Pueblo Traders, and decided to
request an itemized statement, which you believe showed you were still being charged for a mint dress.
You believe you have paid for everything that you have purchased.
Please understand that Comenity Bank and Old Pueblo Traders are two separate entities. Comenity Bank
is responsible for addressing questions related to OLD PUEBLO TRADERS® credit card accounts, while
Old Pueblo Traders is responsible for handling matters related to sales, merchandise processing, returns,
shipping, and merchandise quality.
When you order merchandise from Old Pueblo Traders, your account is charged for the cost of the
merchandise, sales tax (if applicable), and shipping and handling. When the merchandise is returned, your
account is credited for the merchandise and the applicable sales tax. Old Pueblo Traders does not refund
shipping and handling charges. In addition, if the provided return label is used to return the package, the
return label fee is also charged to your account.
We reached out to Old Pueblo Traders on your behalf and they have issued credits totaling $19.98 to
remove two shipping fees. In the interest of customer service, the Bank has issued additional credits
totaling $157.65 to the account to remove the late fees and finance charges. These credits have processed
and your account balance is zero.
Please be assured, we have sent notification to the national credit-reporting agencies with instructions to
remove the negative payment information, regarding the OLD PUEBLO TRADERS® account, from your
credit bureau report. Please allow the credit-reporting agencies 45 days to update their records.
I hope this information is helpful. If you have any further questions regarding your account, please contact
me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the application referenced above. Comenity Bank issues burkes OUTLET® credit card accounts, and we are here to assist you with all application-related questions or...
concerns. I appreciate the opportunity to respond to your concerns. We understand from your complaint that you contacted our Customer Care team in order to finish processing your burkes OUTLET® credit card application. The Customer Care representative advised that the questions would be based off of your current credit bureau report from Equifax. You state she asked multiple questions to verify your identity including your zodiac sign. You refused to provide your zodiac sign since that question had nothing to do with your credit report. We advised that this information would be required to process your application, and you told the representative you would not answer any questions not related to your credit. You later received a letter stating that you were no longer interested in opening a burkes OUTLET® credit card account, which is not true. You are requesting to be approved for a burkes OUTLET® credit card based on your credit bureau report. We apologize that we were not able to approve your application for a burkes OUTLET® credit card. During our recent phone conversation, we asked some questions in an attempt to verify your identity. You chose not to answer a question, and stated you no longer wanted the account; therefore, the application process was terminated at that time. We apologize for any frustration or inconvenience you may have experienced. Please understand that the additional questions were asked for security reasons. Should you wish to reapply for the burkes OUTLET® credit card account, please visit us online, at [redacted] We hope you find this information to be helpful. Should you have any further questions, please contact me directly at ###-###-#### ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card accounts. We are here to answer your questions and assist with your concerns. Your complaint states that you...
contacted the Bank on December 16, 2016, and informed the representative you wanted to make a payment for the minimum due on your account. You state that the representative advised you that the minimum payment due on your account was $30.00 and you provided her with your bank account information to have the payment processed. However, when you made your payment in January 2017, you realized that your account was assessed a late fee. Furthermore, you state as a result of being told the incorrect information in December 2016, your account became delinquent for December 2016 and January 2017. You further state that you were hospitalized in the beginning of February 2017 and had set up a payment arrangement. However, you state the way the arrangement was set up by the representative caused your account to be over 30 days past due and a delinquency to be reported on your credit bureau report. You are requesting that the phone call made on December 16, 2016, be reviewed, the late fees reversed, and for the delinquency from March 2017 to be removed from your report. I understand your concerns, and apologize for any confusion or frustration this may have caused you. Bank records indicate on October 21, 2016, a statement was issued to you showing a balance of $447.94 with a minimum payment of $27.00 due by November 16, 2016. The Bank did not receive a payment by the due date and as a result, a late fee was assessed to your account. On November 20, 2016, a statement was issued to you showing a balance of $484.42 with a payment of $47.00 due by December 16, 2016. The Bank received a payment of $30.00; however, as a result of the payment being made for less than the required minimum payment due, a late fee was assessed to your account. On December 21, 2016, a statement was issued to you showing a balance of $501.94 with a minimum payment of $42.00 due by January 16, 2017. The Bank received a payment of $20.00 on January 11, 2017, and a payment of $22.00 on January 13, 2017. Thank you for those payments. On January 21, 2017, a statement was issued to you showing a balance of $470.52 with a minimum payment of $27.00 due by February 16, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became one billing period past due. On February 18, 2017, a statement was issued to you showing a balance of $506.86 with a minimum payment of $52.00 due by March 16, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became two billing periods past due and as a result, it was reported as 30 days delinquent to the national credit-reporting agencies. Bank records further indicate that on March 24, 2017, you were contacted by the Bank regarding the status of your account. At that time your account received a courtesy late fee credit, and a payment of $150.00 was scheduled for April 7, 2017. Please be advised that the Bank has no record of a payment arrangement set up for you for the month of February 2017. Furthermore, the Bank reviewed all applicable telephone calls and Comenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you. In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m. (ET) will be credited to your account on the same day, unless you select a date in the future. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on a future scheduled payment date). Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing up to 10 days for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Please review the payments section on the back of your statement for additional information. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter....⇄ hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Jenny W[redacted]
this business does not operate with transparency or clarity. There was a clear bait and switch and I have made clear my case that the transition from promotional to revolving credit occurred 8 months prior than agreed. Unless a refund is issued on fees charged to me, I will continue to reject responses from this organization, that is the only resolution.
Regards, [redacted]
I provided documentation that the required to verify my identity. The letter did not indicate they would close my accounts. I received pre-approved offers for Victoria's Secret and Wayfair.com. I will be reporting their action to the FDIC and the U.S. Consumer Financial Protection Bureau.
Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Lane Bryant credit card. We are here to answer your questions and assist with your concerns. We previously received and responded to your correspondence submitted to the...
Consumer Financial Protection Bureau regarding this same matter. Please find enclosed a copy of our response sent to you on March 2, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Laura R[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosure
Comenity Bank received the complaint for [redacted]. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 06/30/2017.
February 17, 2017 [redacted]
* RE: [redacted] Revdex.com Complaint ID #11991031 Dear [redacted]...
[redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint, submitted to the Revdex.com, that your account was assessed a $27.00 late fee in January 2017 and February 2017. You further state your payment of $108.06 for the January 10, 2017, due date was three days late, and your payment of $34.68 for the February 10, 2017, due date was one date late. You contacted the Bank requesting to have both fees removed, but the associate would only remove one fee. You feel this offer was insulting since you have been a cardholder since 2010, and rarely miss making payments for your purchases. You are requesting to have both late fees credited to your account. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the [redacted] (CCA). Bank records indicate that a billing statement was issued to you on December 15, 2016, with a balance of $108.06, and a minimum payment of $27.00, due on January 10, 2017. Your payment of $108.06 was received on January 13, 2017. As the payment was not received by the due date, a late fee and finance charge were assessed to the account in accordance with the CCA. Bank records further indicate a billing statement was issued to you on January 15, 2017, with a balance of $56.40, and a minimum payment of $27.00, due on February 10, 2017. Your payment of $34.68 was received on February 11, 2017. As the payment was not received by the due date, a late fee and finance charge were assessed to the account in accordance with the CCA. Bank records indicate a billing statement was issued to you on February 12, 2017, with a balance of $27.61, and a minimum payment of $27.00, due on March 10, 2017. As a courtesy, on February 14, 2017, the Bank issued credit in the amount of $27.00 for one of the previously assessed late fees. Comenity Bank did not find any errors with the account; therefore we are unwilling to remove any additional fees, as they are valid. As of the date of this letter, the balance on the account is $.61 due on March 10, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, [redacted] cc: Revdex.com