Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the DentalFirst Financing credit card. We are here to answer your questionsand assist with your concerns.We understand from your correspondence, submitted to the Better...
Business Bureau, that you haverequested that the Bank not call 10 to 12 times a day. You state that you are working on catching up thepast due amount. The calls are now harassing. You are requesting that the communications are only bymail.We have reviewed the concerns in your correspondence as well as the applicable telephone conversation.We apologize if you felt you did not receive the best customer service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.We want you to have a positive customer experience with the Bank, and we have updated your phonenumbers ending in [redacted] and [redacted] with “Do not Call” instructions.When an account is delinquent, we will make proactive attempts to contact the customer, communicate thesituation and work out payment arrangements to minimize any negative credit reporting. Many times apayment is overlooked, and reminder calls or payment discussions are helpful to bring the account back toa current status. We appreciate your business, and we want to share with you some options that may beavailable to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economic factors. Youmay be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-TermWorkout Program. These programs can provide customers with special terms in order to help bring theaccount current. If you are interested in obtaining information on whether you qualify for one of theseprograms, please call (800) 888-9265.• Also, customers who are experiencing financial difficulties are urged to contact a non-profit ConsumerCredit Counseling Service (CCCS) organization for assistance. Their programs can provide options suchas 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 the CCCS agencies. Should you wish to obtaininformation regarding their programs and for a member agency located near you, please contact theNational Foundation for Credit Counseling at (800) 388-2227.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses
Dear Mr. [redacted]We are in receipt of your complaint regarding the above-referenced account. Comenity Bankissues BEALLS credit card accounts, and we respond to all account-related questions. Yourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate the...
opportunity to respond to your concerns.I understand from your complaint, in July you were informed your Bealls credit card account hadbeen frozen due to non-payment. You state you were advised that when you make three monthsof consecutive payments, your account will be reinstated.You are requesting an apology from Comenity Bank for the miscommunication regarding youraccount being reinstated.We apologize for any frustration or inconvenience this matter may have caused you. Please beassured, Comenity Bank has completed a thorough investigation of your account, and would liketo share our findings:On December 29, 201 5, your Bealls credit card account was enrolled in the Customer HardshipProgram. One of the criteria of the hardship program, listed on the correspondence sent to youon December 30, 2015, stated: After three consecutive on-time payments, Comenity Bank willcredit your account for any late fees that were unpaid at the time you entered the CustomerHardship Program.In addition, on July 5, 2016, you reached out to Comenity Bank's Secure Messaging Center,addressing this matter. On July 7, 2016, our representative responded and advised that chargingprivileges on the Bealls account have been suspended at this time, because it has had recentpast due billings. Your account will be evaluated for reinstatement as you continue to makeconsistent, on-time payments.Please note, the information provided to you on July 7, 2016, was accurate. On June 22, 2016,your Bealls credit card account was closed, due to delinquency. When an account has beenclosed with this restriction, your spending privileges are suspended; however, the account will bereviewed systemically each month to determine if charging privileges can be reinstated. Pleasebe advised, reinstatement of your account is not guaranteed; however, you may improve yourchances of having charging privileges reinstated by making consistent on time payments.I hope you find this information to be helpful. Should you have additional questions or concernsabout the account, please contact me at ###-###-####, ext.[redacted] (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely,Geanine M[redacted]
Please see the attached response. Thank you.Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. ComenityBank issues the Victoria’s Secret credit card. We are here to answer your questions and assist with yourconcerns.In the correspondence, you indicate you...
purchased three gift cards that did not have any value when they wereattempted to be used. You state you were directed to return to the store; however, the store was unable to assistyou and advised you to contact the Bank. You explain that when calling the Bank, a supervisor advised you thatyou would receive three new gift cards, which you never received. You are requesting three gift cards, valued at$100.00 each. You are also requesting coupons for the sales missed during Christmas.Please note Comenity Bank and Victoria’s Secret are two separate entities. The Bank issues and is responsiblefor addressing questions related to your credit card account. Victoria’s Secret is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. Weapologize if you felt you did not receive the best customer service. We never intend to treat our customers in aless-than-satisfactory manner. We are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not met.We understand your concern regarding the gift cards that had no value. We attempted to contact you regardingthe gift cards; however, we were unsuccessful. We contacted Victoria’s Secret on your behalf to investigate thismatter. We received notification that the three original gift cards ending in 1338, 7348, and 9085, were devaluedin error. Victoria’s Secret has placed the original $100.00 value on each gift card. Furthermore, as Victoria’sSecret is not able to replace any coupons you were not able to use, an additional $100.00 has been added toeach gift card. We apologize for any inconvenience this has caused you and we thank you for your patiencewhile we worked to resolve this matter.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at (800) 820-8932.Sincerely,Nicole FCompliance Dept. – Consumer Responses
Dear Ms. [redacted]We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT 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 while reviewing your credit file you noticed that a late payment was reported on your credit file. You also indicate that the Bank did not advise you of the missed payment. You are requesting that the Bank advise accountholders when they have missed a payment. I am happy to share my findings with you.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.After a thorough review of the account, our records indicate that a statement was issued to you on March 8, 2016, with a balance of $679.92 and a minimum payment of $30.00 due on April 3, 2016. As the no payment was received by the due date, another late fee and finance charges was assessed to the account. The Bank received your March minimum payment of $100.00 on March 3, 2016. Thank you for this payment. After this payment your balance became $594.09.On April 7, 2016, a statement was issued to you with a balance of $594.09 with a minimum payment due of $62.00 due on May 3, 2016. As no payment was received by the due date a late fee and finance charge was assessed to the account. Please be advised that the Bank contacts our customers regarding past due payments via the telephone numbers that are listed on their accounts. It appears that the Bank attempted to contact you several times via the telephone number ending in 8354 and 2957 to discuss this matter with you. It appears their attempts were unsuccessful.As of the date of this letter, the account balance is $537.58.A recent review of the information being reported to the credit-reporting agencies for your LANE BRYANT credit card account indicated a discrepancy. To address this matter, we have updated our records and notified the credit-reporting agencies of the changes that need to be made to your credit report. Please allow 45 days for their records to be updated. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Renee S[redacted]
Dear Kristiana Moore: Comenity Bank (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 spoke...
to our Customer Service representative regarding your payment on February 9, 2017. While on the phone with our representative, you were advised of the $9.00 payment processing fee. You state that our representative advised you to submit your payment via our automated phone system to avoid the $9.00 processing fee. When you attempted to submit your payment, the automated phone system did not accept your payment and you were transferred to a Customer Service representative who advised that the only way to submit your payment was by paying the $9.00 processing fee. Furthermore, you are requesting to have the remaining balance cleared from your account. Bank records indicate your payment due date is the 7th of every month. The Limited account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing period. 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. Due to a late fee credit that was issued to the account on February 9, 2017, your account is not eligible to have an additional late fee credited. The balance on your account is $30.97 with a minimum payment of $27.00 due on April 7, 2017, and Comenity Bank finds your balance to be valid. 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, Rosa M
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the My BJ's Perks Mastercard credit card. We are here to answer your questions and assist with your concerns. In your correspondence you...
state there was an unauthorized charge on your account for the renewal of your BJ’s membership. You would like your account credited and the Bank prosecuted for charging the account without your permission. We understand your concerns, and apologize for any frustration or inconvenience this matter may have caused you. Please note Comenity Capital Bank and BJ’s Wholesale Club are separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. BJ’s Wholesale Club is responsible for handling matters related to sales, merchandise, and any concerns pertaining to BJ’s Wholesale Club, including your BJ’s membership. Please be advised that as an Elite card holder, you receive a $25.00 discount on your annual membership fee when you participate in automatic renewal. We contacted BJ’s Member Care on your behalf and they confirmed you signed up for automatic renewal in January 2017. Should you chose to cancel automatic renewal, please contact your nearest BJ’s Wholesale Club. 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, Alyson F[redacted]
Dear [redacted]: We received the complaint regarding the above-noted account. Comenity Bank issues Coldwater Creek [redacted]® accounts, and we are here to help with all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to...
my attention, and I appreciate the opportunity to respond to your concerns. In your complaint you state that you received a notice from the Bank advising you that the Annual Percentage Rate (APR), on your account would be increased due to a reduction in your credit score. You further state that you contacted the Bank and the automated system advised that you were out of the grace period to close your account and keep the current APR. You are requesting that the APR on your account not be raised. We understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. After reviewing your account, our records indicate that the APR on your account is 15.24%. Please be assured that this APR will not increase, as you closed your account within the grace period. The balance on your account is $7,545.94 and a minimum payment of $171.00 is due by December 18, 2015. We hope this information is helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] ([redacted]
[redacted]). I would be happy to assist you. Sincerely, Jenny W[redacted] Consumer Relations Specialist
Hello. This message concerns complaint ID [redacted] submitted on 1/5/2017 against Comenity Bank. Attached is a PDF of my receipt involving the $42.22 refund involved in my complaint. Thank you, [redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Pottery Barn credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you ordered online and returned some products...
to the store. You state that you were to receive credit for $220.42 back to your Pottery Barn account on January 9, 2017. You have not received credit for the return number #[redacted] and you would like credit of $220.42 applied to your account.Please be assured that I reviewed your account at the Bank and with Pottery Barn. I am happy to share my findings.Pottery Barn confirmed that order #[redacted]682 was placed on November 8, 2016. The return of the merchandise was on January 9, 2016, and outside of the written 30-day return policy for Pottery Barn. As such, the credit was issued to you in form of a merchandise card, valued at $220.42, on January 10, 2017. The merchandise card number is #[redacted]Because you were provided the merchandise credit, in the form of the card noted above, we are unwilling to credit your account. Enclosed is a copy of Pottery Barn’s return policy. If you have questions with regard to the merchandise credit, please contact Pottery Barn at ###-###-####.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,Shawnda Y[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
* Dear [redacted]: We have received your complaint, submitted to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues the above-referenced credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist you with your concerns. We are also in receipt of your correspondence submitted to the [redacted], regarding this same matter. Please find enclosed a copy of our response sent to you on February 25, 2016. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kaija M[redacted] Kaija M[redacted] Consumer Relations Specialist CC: Revdex.com Tell us why here...
Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Haband credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint, and you state that you placed...
an order for a shirt; however, you returned the shirt for a larger size. You further state that you never received the new shirt; however, you continue to receive billing statements showing a balance is still owing on your account. You are requesting that your account be adjusted, as you do not wish to pay for an order you did not receive. We understand your concerns, and apologize for any frustration this may have caused you.Our records indicate that on June 13, 2016, a purchase in the amount of $17.99 posted to your account. Furthermore, a return credit of $17.99 posted to your account on July 14, 2016. In addition, a charge of $9.99 posted to your account for the return label that was used to make your return. The Bank has not received payment, and as a result late fees were assessed to your account.Although, Comenity Capital Bank did not find any billing errors, we have issued a total credit of $71.77 to bring your account balance to zero.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,Compliance Dept. – Consumer Responses
Dear
Ms. [redacted]:
We received your complaint, addressed to the
Revdex.com, regarding the above-referenced account. Comenity Bank issues Younkers 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 to the Revdex.com that your Younkers
account was charged without your permission for
“Cookware/Bakeware” totaling $95.37.
After receiving this item via the United Parcel Service, you returned it requesting that the item be fully
credited to your account. Furthermore,
you state that you have been charged four times for the above item and you are
requesting to have $301.48 credited back to your account.
We
appreciate you contacting us about your
concerns and we would like to take this moment to explain our findings.
On
September 12, 2015, Bank records show your account was charged for
cookware/bakeware through Younkers Mail Order totaling $95.37. On October 10, 2015, your account was
credited $95.37 for the above cookware/bakeware item.
Prior
to the credit on October 10, 2015, Comenity Bank received your dispute concerning the above
charge. While we investigated this
matter, we issued your Younkers account
a temporary credit for the disputed amount and, if applicable, any related
finance charges. This credit appeared on
your November 1, 2015, billing statement as a “provisional credit”. During our investigation, your account was
credited for the above item on October 10, 2015; therefore, we reversed the
“provisional credit” issued on October 2, 2015.
This also appeared on your November 1, 2015, billing statement as a
“provisional credit reversal”.
In
our recent investigation, we did not see any additional charges for the
cookware/bakeware item; therefore, we are unwilling to credit your account for
the requested amount of $301.48 mentioned in your Revdex.com
complaint.
As
of the date of this letter, your account balance is $142.95 which includes a
recent store purchase of $140.20 on October 16, 2015.
We
hope you find this information helpful, and we sincerely apologize for any
confusion or inconvenience this matter has caused you. If you have any further questions about your
account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist
you.
Sincerely,
Thank you for contacting Comenity Capital Bank. As the bank that issues HSN credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to assist you.We understand from your...
complaint that you have been a victim of identity theft, and that your HSN account was fraudulently used without your knowledge and/or consent. As such, you are disputing the outstanding balance of $2,442.00. Furthermore, you are requesting Comenity Capital Bank remove the fraudulent balance from the account, provide you with an accurate statement reflecting the removal, and cease from reporting inaccurate information to the credit-reporting agencies, regarding the fraudulent account balanceWe understand your concerns, and we sincerely apologize for any frustration this matter may have caused you. Please be assured, Comenity Capital Bank vigorously pursues any individual who is suspected of perpetration of a fraud, which may include contact with various local, state and federal law enforcement agencies.Thank you for providing a copy of the police report from the [redacted] Police Department. We have forwarded the documentation to our Account Protection (Fraud) team for investigation. Your claim has been assigned fraud case number [redacted], and the case investigator is [redacted]. The investigation may take up to 90 days to be completed, and you will be notified by mail of the outcome.We hope you find this information to be helpful. Should you have any further questions, please contact our Account Protection (Fraud) team at 1-800-888-1726 (TDD/TTY 1-888-819-1918) and refer to case number [redacted]-5. They will be happy to assist you.Sincerely,Lauren S[redacted]Consumer Relations SpecialistCC: Revdex.com
Because I was told that the late fee was not going to effect my credit score, because it was woman within fault for not sending the bill on time. I am never received the bill on time. I always pay my bills on time. I want the late fee to be take off and readjust my credit score. I will not accept anything futher until this matter is resolved. Woman within made the mistake they should fix it. Regards, [redacted]
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accounts. Comenity Capital Bank issues the My Place Rewards credit card accounts. We are here to answer your questions and assist with your concerns. In your...
correspondence you state you missed a payment due to the loss of a family member and your credit card was reported past due. You would like their credit history updated. To address you concern, we have updated our records and have notified the credit reporting agencies of the changes that need to be made to your credit report. This change should reflected on your credit file within the next 45 business days. 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, Alyson F[redacted]
Hello Catherine,This complaint is regarding the customer's Angel Card account through Comenity Bank and the experience/service she received from them. Here at the catalogue, we do not have access or authority to make any changes to the customer's credit card account. Please forward this complaint to...
Comenity Bank so they may resolve her concerns.Thank you!Kelly LemasterSenior Customer Care SpecialistVictoria's Secret Digital and Stores.
Dear [redacted] Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the JD Williams credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint, addressed to...
the Revdex.com, regarding the above-referenced account that you purchased a jacket and returned this merchandise. At the time of purchase you made a payment of $33.76 before you received the item and the remaining balance on the purchase was $37.00. You indicate that you have received several statements with past due fees assessed to the account. You also state that you received a call from the Bank advising you that you have a balance on the account of $79.00. You are requesting a reason for these charges as the item was returned. 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. On September 8, 2016, a statement was issued to you with a balance of $44.43 and a minimum due payment of $19.57 due on October 4, 2016. A payment of $29.86 was received on September 30, 2016, on October 6, 2016, this payment was returned from your bank as unable to locate the account. As such a return payment fee was assessed to the account. On October 9, 2016, a statement was issued to you with a balance of $50.41 and a minimum due payment of $10.00 due on November 4, 2016. As no payment was received by this date late fee and finance charges were assessed to the account. On November 8, 2016, a statement was issued to you with a balance of $87.96 and a minimum due payment of $27.00 due on December 4, 2016. A purchase of 67.50 was placed on the account on October 12, 2016 and a payment of $33.76 was made on October 21, 2016. On December 9, 2016, a statement was issued to you with a balance of $50.44 and a minimum due payment of $25.46 due on January 4, 2017. As no payment was received by this date a late fee and finance charge was assessed to the account. On November 10, 2016, a merchandise return was credited on your account of $67.50. On January 9, 2017, a statement was issued to you with a balance of $79.45 and a minimum due payment of $30.46 due on February 4, 2017. Enclosed are all statements mentioned above for your review. As of the date of this letter, the balance on the account is $79.45, and the account reflects two billing cycles past due. If the account exceeds six billing cycles past due the account will be closed, written off and reported to the national credit-reporting agencies as an unpaid debt. As the Bank finds these fees valid, we are unwilling to remove any fees from the above-referenced JD Williams account. Please be advised that fees were assessed to the account due to a remaining balance from October 2016 not due to the return merchandise. 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, Renee S[redacted]
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Eddie Bauer® 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 Eddie Bauer® account and although you gave your address, you never received your statement or your credit card. You indicate that you started receiving telephone calls regarding the balance on the account. During these conversations you were asked for your address, and then you asked the caller what address was on file for your account. You were advised that the Bank was unable to give you this information. At that time you called the corporate office to speak to [redacted] and spoke to the secretary, and were again asked for your address. You state that you gave her your address, and never heard back regarding this matter. Eventually a statement was sent and the statement had the wrong billing address. You made a payment for the original charge omitting the fees assessed to the account; however, you state you are still receiving calls from the Bank. You are requesting the account be closed. I am happy to share my findings with you. We requested you verify your current address and last four digits of your social security number. Because you declined to verify this information, we were unable to provide you with your account information. In an effort to protect our consumers, we will not release account information unless consumers verify their identity. We apologize for any frustration; however, please be assured this practice is designed to keep your personal information safe. After a thorough review of the account, our records indicate that the statements were returned to the Bank as “not deliverable as addressed/unable to forward”. Please be assured that credits of $45.57 were applied to the account for the fees that were assessed to the account; due to the incorrect address on the account. As of the date of this letter, the account the balance is zero. Per you request, the account was closed on November 13, 2015. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, 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 referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we arehere to assist you with account-related questions. Your complaint was forwarded to my attention,and I appreciate the...
opportunity to respond to your concerns.We understand your concerns, regarding the payments that were made in September and beingcharged a late fee, although you state that Account Center did not give you a submit paymentoption for the October due date. You state that our associates would agree to only remove $17.00because your account was closed and you do not understand why we can credit this amount butnot the full $27.00. You request the additional $10.00 credited to your account.I have reviewed your VICTORIA’S SECRET account and I am happy to share my findings.Bank records indicate, on September 1, 2016, a statement was issued, reflecting a balance of$299.55, and a $27.00 minimum due on September 27, 2016. You scheduled a $30.00 onlinepayment for September 15, 2016, which posted to your account. An additional payment for$299.00 was received by mail and posted to the account on September 15, 2016, thus leaving abalance of $48.84.On October 1, 2016, a billing statement was issued, reflecting the $48.84 balance, and a $27.00minimum due by October 27, 2016. On October 4, 2016, a mail order return for $23.47 wascredited to your account; however, this did not remove the minimum payment due, and paymentwas not received. Therefore, the account was assessed a $27.00 late fee pursuant to the CreditCard Agreement (CCA).Enclosed are copies of the billing statements for your records.After speaking to the Bank on November 8, 2016, the associate(s) agreed to issue a partial latefee credit totaling $17.00. The credit has posted to the account. Furthermore, although the feeis valid, we agree that your account was eligible for full credit. Please be assured it is never theBank’s intention to cause a customer a hardship and we have taken the necessary steps to coachour associates regarding this matter.As a courtesy, we issued the additional credit of $10.00 to your account. As a result, the accounthas a credit balance of $10.37. A refund check for this amount has been requested and you willreceive by mail, under separate cover, within 7-10 business days. In addition, your VICTORIA’S SECRET account was closed on October 1, 2016, as yourequested.We apologize for any inconvenience this has caused you, and we hope you find this informationto be helpful. Should you have any questions or concerns, please contact me at ###-###-####,ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]Consumer Relations Specialis
First of all your dates and information is wrong. You keep correcting ( according to you) all items on my ledger which is attached. When I contacted you I had a zero balance on my account I now have a $20.61 balance. You have not admitted any wrong doing, nor that you have taken an enormous amount of my time and lied repeatedly in your emails and now in this correspondance. Your solution is to try to charge me more than I owe than when I filed this dispute? You have provided no written statement on to why you have adjusted credits on my account after I filed this dispute. My payment history is as stated on my ledger from your bank, not per your Revdex.com response. I will never shop the limited again or use your card to purchase anything at any of the stores that you provide credit services for such as maurices, express, younkers, etc........ which I have cards for as well. Your response to this dispute is an accurate reflection of the poor customer service you provide to your customers.Regards, [redacted]
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the DentalFirst Financing credit card. We are here to answer your questionsand assist with your concerns.We understand from your correspondence, submitted to the Better...
Business Bureau, that you haverequested that the Bank not call 10 to 12 times a day. You state that you are working on catching up thepast due amount. The calls are now harassing. You are requesting that the communications are only bymail.We have reviewed the concerns in your correspondence as well as the applicable telephone conversation.We apologize if you felt you did not receive the best customer service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.We want you to have a positive customer experience with the Bank, and we have updated your phonenumbers ending in [redacted] and [redacted] with “Do not Call” instructions.When an account is delinquent, we will make proactive attempts to contact the customer, communicate thesituation and work out payment arrangements to minimize any negative credit reporting. Many times apayment is overlooked, and reminder calls or payment discussions are helpful to bring the account back toa current status. We appreciate your business, and we want to share with you some options that may beavailable to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economic factors. Youmay be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-TermWorkout Program. These programs can provide customers with special terms in order to help bring theaccount current. If you are interested in obtaining information on whether you qualify for one of theseprograms, please call (800) 888-9265.• Also, customers who are experiencing financial difficulties are urged to contact a non-profit ConsumerCredit Counseling Service (CCCS) organization for assistance. Their programs can provide options suchas 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 the CCCS agencies. Should you wish to obtaininformation regarding their programs and for a member agency located near you, please contact theNational Foundation for Credit Counseling at (800) 388-2227.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses
Dear Mr. [redacted]We are in receipt of your complaint regarding the above-referenced account. Comenity Bankissues BEALLS credit card accounts, and we respond to all account-related questions. Yourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate the...
opportunity to respond to your concerns.I understand from your complaint, in July you were informed your Bealls credit card account hadbeen frozen due to non-payment. You state you were advised that when you make three monthsof consecutive payments, your account will be reinstated.You are requesting an apology from Comenity Bank for the miscommunication regarding youraccount being reinstated.We apologize for any frustration or inconvenience this matter may have caused you. Please beassured, Comenity Bank has completed a thorough investigation of your account, and would liketo share our findings:On December 29, 201 5, your Bealls credit card account was enrolled in the Customer HardshipProgram. One of the criteria of the hardship program, listed on the correspondence sent to youon December 30, 2015, stated: After three consecutive on-time payments, Comenity Bank willcredit your account for any late fees that were unpaid at the time you entered the CustomerHardship Program.In addition, on July 5, 2016, you reached out to Comenity Bank's Secure Messaging Center,addressing this matter. On July 7, 2016, our representative responded and advised that chargingprivileges on the Bealls account have been suspended at this time, because it has had recentpast due billings. Your account will be evaluated for reinstatement as you continue to makeconsistent, on-time payments.Please note, the information provided to you on July 7, 2016, was accurate. On June 22, 2016,your Bealls credit card account was closed, due to delinquency. When an account has beenclosed with this restriction, your spending privileges are suspended; however, the account will bereviewed systemically each month to determine if charging privileges can be reinstated. Pleasebe advised, reinstatement of your account is not guaranteed; however, you may improve yourchances of having charging privileges reinstated by making consistent on time payments.I hope you find this information to be helpful. Should you have additional questions or concernsabout the account, please contact me at ###-###-####, ext.[redacted] (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely,Geanine M[redacted]
Please see the attached response. Thank you.Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. ComenityBank issues the Victoria’s Secret credit card. We are here to answer your questions and assist with yourconcerns.In the correspondence, you indicate you...
Compliance Dept. – Consumer Responses
purchased three gift cards that did not have any value when they wereattempted to be used. You state you were directed to return to the store; however, the store was unable to assistyou and advised you to contact the Bank. You explain that when calling the Bank, a supervisor advised you thatyou would receive three new gift cards, which you never received. You are requesting three gift cards, valued at$100.00 each. You are also requesting coupons for the sales missed during Christmas.Please note Comenity Bank and Victoria’s Secret are two separate entities. The Bank issues and is responsiblefor addressing questions related to your credit card account. Victoria’s Secret is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. Weapologize if you felt you did not receive the best customer service. We never intend to treat our customers in aless-than-satisfactory manner. We are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not met.We understand your concern regarding the gift cards that had no value. We attempted to contact you regardingthe gift cards; however, we were unsuccessful. We contacted Victoria’s Secret on your behalf to investigate thismatter. We received notification that the three original gift cards ending in 1338, 7348, and 9085, were devaluedin error. Victoria’s Secret has placed the original $100.00 value on each gift card. Furthermore, as Victoria’sSecret is not able to replace any coupons you were not able to use, an additional $100.00 has been added toeach gift card. We apologize for any inconvenience this has caused you and we thank you for your patiencewhile we worked to resolve this matter.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at (800) 820-8932.Sincerely,Nicole F
Dear Ms. [redacted]We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT 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 while reviewing your credit file you noticed that a late payment was reported on your credit file. You also indicate that the Bank did not advise you of the missed payment. You are requesting that the Bank advise accountholders when they have missed a payment. I am happy to share my findings with you.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.After a thorough review of the account, our records indicate that a statement was issued to you on March 8, 2016, with a balance of $679.92 and a minimum payment of $30.00 due on April 3, 2016. As the no payment was received by the due date, another late fee and finance charges was assessed to the account. The Bank received your March minimum payment of $100.00 on March 3, 2016. Thank you for this payment. After this payment your balance became $594.09.On April 7, 2016, a statement was issued to you with a balance of $594.09 with a minimum payment due of $62.00 due on May 3, 2016. As no payment was received by the due date a late fee and finance charge was assessed to the account. Please be advised that the Bank contacts our customers regarding past due payments via the telephone numbers that are listed on their accounts. It appears that the Bank attempted to contact you several times via the telephone number ending in 8354 and 2957 to discuss this matter with you. It appears their attempts were unsuccessful.As of the date of this letter, the account balance is $537.58.A recent review of the information being reported to the credit-reporting agencies for your LANE BRYANT credit card account indicated a discrepancy. To address this matter, we have updated our records and notified the credit-reporting agencies of the changes that need to be made to your credit report. Please allow 45 days for their records to be updated. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Renee S[redacted]
Dear Kristiana Moore: Comenity Bank (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 spoke...
to our Customer Service representative regarding your payment on February 9, 2017. While on the phone with our representative, you were advised of the $9.00 payment processing fee. You state that our representative advised you to submit your payment via our automated phone system to avoid the $9.00 processing fee. When you attempted to submit your payment, the automated phone system did not accept your payment and you were transferred to a Customer Service representative who advised that the only way to submit your payment was by paying the $9.00 processing fee. Furthermore, you are requesting to have the remaining balance cleared from your account. Bank records indicate your payment due date is the 7th of every month. The Limited account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing period. 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. Due to a late fee credit that was issued to the account on February 9, 2017, your account is not eligible to have an additional late fee credited. The balance on your account is $30.97 with a minimum payment of $27.00 due on April 7, 2017, and Comenity Bank finds your balance to be valid. 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, Rosa M
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the My BJ's Perks Mastercard credit card. We are here to answer your questions and assist with your concerns. In your correspondence you...
state there was an unauthorized charge on your account for the renewal of your BJ’s membership. You would like your account credited and the Bank prosecuted for charging the account without your permission. We understand your concerns, and apologize for any frustration or inconvenience this matter may have caused you. Please note Comenity Capital Bank and BJ’s Wholesale Club are separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. BJ’s Wholesale Club is responsible for handling matters related to sales, merchandise, and any concerns pertaining to BJ’s Wholesale Club, including your BJ’s membership. Please be advised that as an Elite card holder, you receive a $25.00 discount on your annual membership fee when you participate in automatic renewal. We contacted BJ’s Member Care on your behalf and they confirmed you signed up for automatic renewal in January 2017. Should you chose to cancel automatic renewal, please contact your nearest BJ’s Wholesale Club. 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, Alyson F[redacted]
Dear [redacted]: We received the complaint regarding the above-noted account. Comenity Bank issues Coldwater Creek [redacted]® accounts, and we are here to help with all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to...
my attention, and I appreciate the opportunity to respond to your concerns. In your complaint you state that you received a notice from the Bank advising you that the Annual Percentage Rate (APR), on your account would be increased due to a reduction in your credit score. You further state that you contacted the Bank and the automated system advised that you were out of the grace period to close your account and keep the current APR. You are requesting that the APR on your account not be raised. We understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. After reviewing your account, our records indicate that the APR on your account is 15.24%. Please be assured that this APR will not increase, as you closed your account within the grace period. The balance on your account is $7,545.94 and a minimum payment of $171.00 is due by December 18, 2015. We hope this information is helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] ([redacted]
[redacted]). I would be happy to assist you. Sincerely, Jenny W[redacted] Consumer Relations Specialist
Hello. This message concerns complaint ID [redacted] submitted on 1/5/2017 against Comenity Bank. Attached is a PDF of my receipt involving the $42.22 refund involved in my complaint. Thank you, [redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Pottery Barn credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you ordered online and returned some products...
to the store. You state that you were to receive credit for $220.42 back to your Pottery Barn account on January 9, 2017. You have not received credit for the return number #[redacted] and you would like credit of $220.42 applied to your account.Please be assured that I reviewed your account at the Bank and with Pottery Barn. I am happy to share my findings.Pottery Barn confirmed that order #[redacted]682 was placed on November 8, 2016. The return of the merchandise was on January 9, 2016, and outside of the written 30-day return policy for Pottery Barn. As such, the credit was issued to you in form of a merchandise card, valued at $220.42, on January 10, 2017. The merchandise card number is #[redacted]Because you were provided the merchandise credit, in the form of the card noted above, we are unwilling to credit your account. Enclosed is a copy of Pottery Barn’s return policy. If you have questions with regard to the merchandise credit, please contact Pottery Barn at ###-###-####.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,Shawnda Y[redacted]
March 2, 2016 [redacted]
[redacted]
[redacted]
*
[redacted] [redacted]
[redacted]
[redacted]
[redacted]...
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
* Dear [redacted]: We have received your complaint, submitted to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues the above-referenced credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist you with your concerns. We are also in receipt of your correspondence submitted to the [redacted], regarding this same matter. Please find enclosed a copy of our response sent to you on February 25, 2016. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kaija M[redacted] Kaija M[redacted] Consumer Relations Specialist CC: Revdex.com Tell us why here...
Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Haband credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint, and you state that you placed...
an order for a shirt; however, you returned the shirt for a larger size. You further state that you never received the new shirt; however, you continue to receive billing statements showing a balance is still owing on your account. You are requesting that your account be adjusted, as you do not wish to pay for an order you did not receive. We understand your concerns, and apologize for any frustration this may have caused you.Our records indicate that on June 13, 2016, a purchase in the amount of $17.99 posted to your account. Furthermore, a return credit of $17.99 posted to your account on July 14, 2016. In addition, a charge of $9.99 posted to your account for the return label that was used to make your return. The Bank has not received payment, and as a result late fees were assessed to your account.Although, Comenity Capital Bank did not find any billing errors, we have issued a total credit of $71.77 to bring your account balance to zero.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,Compliance Dept. – Consumer Responses
Dear
Ms. [redacted]:
We received your complaint, addressed to the
Revdex.com, regarding the above-referenced account. Comenity Bank issues Younkers 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 to the Revdex.com that your Younkers
account was charged without your permission for
“Cookware/Bakeware” totaling $95.37.
After receiving this item via the United Parcel Service, you returned it requesting that the item be fully
credited to your account. Furthermore,
you state that you have been charged four times for the above item and you are
requesting to have $301.48 credited back to your account.
We
appreciate you contacting us about your
concerns and we would like to take this moment to explain our findings.
On
September 12, 2015, Bank records show your account was charged for
cookware/bakeware through Younkers Mail Order totaling $95.37. On October 10, 2015, your account was
credited $95.37 for the above cookware/bakeware item.
Prior
to the credit on October 10, 2015, Comenity Bank received your dispute concerning the above
charge. While we investigated this
matter, we issued your Younkers account
a temporary credit for the disputed amount and, if applicable, any related
finance charges. This credit appeared on
your November 1, 2015, billing statement as a “provisional credit”. During our investigation, your account was
credited for the above item on October 10, 2015; therefore, we reversed the
“provisional credit” issued on October 2, 2015.
This also appeared on your November 1, 2015, billing statement as a
“provisional credit reversal”.
In
our recent investigation, we did not see any additional charges for the
cookware/bakeware item; therefore, we are unwilling to credit your account for
the requested amount of $301.48 mentioned in your Revdex.com
complaint.
As
of the date of this letter, your account balance is $142.95 which includes a
recent store purchase of $140.20 on October 16, 2015.
We
hope you find this information helpful, and we sincerely apologize for any
confusion or inconvenience this matter has caused you. If you have any further questions about your
account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist
you.
Sincerely,
Jack
C[redacted]
Thank you for contacting Comenity Capital Bank. As the bank that issues HSN credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to assist you.We understand from your...
complaint that you have been a victim of identity theft, and that your HSN account was fraudulently used without your knowledge and/or consent. As such, you are disputing the outstanding balance of $2,442.00. Furthermore, you are requesting Comenity Capital Bank remove the fraudulent balance from the account, provide you with an accurate statement reflecting the removal, and cease from reporting inaccurate information to the credit-reporting agencies, regarding the fraudulent account balanceWe understand your concerns, and we sincerely apologize for any frustration this matter may have caused you. Please be assured, Comenity Capital Bank vigorously pursues any individual who is suspected of perpetration of a fraud, which may include contact with various local, state and federal law enforcement agencies.Thank you for providing a copy of the police report from the [redacted] Police Department. We have forwarded the documentation to our Account Protection (Fraud) team for investigation. Your claim has been assigned fraud case number [redacted], and the case investigator is [redacted]. The investigation may take up to 90 days to be completed, and you will be notified by mail of the outcome.We hope you find this information to be helpful. Should you have any further questions, please contact our Account Protection (Fraud) team at 1-800-888-1726 (TDD/TTY 1-888-819-1918) and refer to case number [redacted]-5. They will be happy to assist you.Sincerely,Lauren S[redacted]Consumer Relations SpecialistCC: Revdex.com
Because I was told that the late fee was not going to effect my credit score, because it was woman within fault for not sending the bill on time. I am never received the bill on time. I always pay my bills on time. I want the late fee to be take off and readjust my credit score. I will not accept anything futher until this matter is resolved. Woman within made the mistake they should fix it. Regards, [redacted]
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accounts. Comenity Capital Bank issues the My Place Rewards credit card accounts. We are here to answer your questions and assist with your concerns. In your...
correspondence you state you missed a payment due to the loss of a family member and your credit card was reported past due. You would like their credit history updated. To address you concern, we have updated our records and have notified the credit reporting agencies of the changes that need to be made to your credit report. This change should reflected on your credit file within the next 45 business days. 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, Alyson F[redacted]
Hello Catherine,This complaint is regarding the customer's Angel Card account through Comenity Bank and the experience/service she received from them. Here at the catalogue, we do not have access or authority to make any changes to the customer's credit card account. Please forward this complaint to...
Comenity Bank so they may resolve her concerns.Thank you!Kelly LemasterSenior Customer Care SpecialistVictoria's Secret Digital and Stores.
Dear [redacted] Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the JD Williams credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint, addressed to...
the Revdex.com, regarding the above-referenced account that you purchased a jacket and returned this merchandise. At the time of purchase you made a payment of $33.76 before you received the item and the remaining balance on the purchase was $37.00. You indicate that you have received several statements with past due fees assessed to the account. You also state that you received a call from the Bank advising you that you have a balance on the account of $79.00. You are requesting a reason for these charges as the item was returned. 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. On September 8, 2016, a statement was issued to you with a balance of $44.43 and a minimum due payment of $19.57 due on October 4, 2016. A payment of $29.86 was received on September 30, 2016, on October 6, 2016, this payment was returned from your bank as unable to locate the account. As such a return payment fee was assessed to the account. On October 9, 2016, a statement was issued to you with a balance of $50.41 and a minimum due payment of $10.00 due on November 4, 2016. As no payment was received by this date late fee and finance charges were assessed to the account. On November 8, 2016, a statement was issued to you with a balance of $87.96 and a minimum due payment of $27.00 due on December 4, 2016. A purchase of 67.50 was placed on the account on October 12, 2016 and a payment of $33.76 was made on October 21, 2016. On December 9, 2016, a statement was issued to you with a balance of $50.44 and a minimum due payment of $25.46 due on January 4, 2017. As no payment was received by this date a late fee and finance charge was assessed to the account. On November 10, 2016, a merchandise return was credited on your account of $67.50. On January 9, 2017, a statement was issued to you with a balance of $79.45 and a minimum due payment of $30.46 due on February 4, 2017. Enclosed are all statements mentioned above for your review. As of the date of this letter, the balance on the account is $79.45, and the account reflects two billing cycles past due. If the account exceeds six billing cycles past due the account will be closed, written off and reported to the national credit-reporting agencies as an unpaid debt. As the Bank finds these fees valid, we are unwilling to remove any fees from the above-referenced JD Williams account. Please be advised that fees were assessed to the account due to a remaining balance from October 2016 not due to the return merchandise. 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, Renee S[redacted]
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Eddie Bauer® 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 Eddie Bauer® account and although you gave your address, you never received your statement or your credit card. You indicate that you started receiving telephone calls regarding the balance on the account. During these conversations you were asked for your address, and then you asked the caller what address was on file for your account. You were advised that the Bank was unable to give you this information. At that time you called the corporate office to speak to [redacted] and spoke to the secretary, and were again asked for your address. You state that you gave her your address, and never heard back regarding this matter. Eventually a statement was sent and the statement had the wrong billing address. You made a payment for the original charge omitting the fees assessed to the account; however, you state you are still receiving calls from the Bank. You are requesting the account be closed. I am happy to share my findings with you. We requested you verify your current address and last four digits of your social security number. Because you declined to verify this information, we were unable to provide you with your account information. In an effort to protect our consumers, we will not release account information unless consumers verify their identity. We apologize for any frustration; however, please be assured this practice is designed to keep your personal information safe. After a thorough review of the account, our records indicate that the statements were returned to the Bank as “not deliverable as addressed/unable to forward”. Please be assured that credits of $45.57 were applied to the account for the fees that were assessed to the account; due to the incorrect address on the account. As of the date of this letter, the account the balance is zero. Per you request, the account was closed on November 13, 2015. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, 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 referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we arehere to assist you with account-related questions. Your complaint was forwarded to my attention,and I appreciate the...
opportunity to respond to your concerns.We understand your concerns, regarding the payments that were made in September and beingcharged a late fee, although you state that Account Center did not give you a submit paymentoption for the October due date. You state that our associates would agree to only remove $17.00because your account was closed and you do not understand why we can credit this amount butnot the full $27.00. You request the additional $10.00 credited to your account.I have reviewed your VICTORIA’S SECRET account and I am happy to share my findings.Bank records indicate, on September 1, 2016, a statement was issued, reflecting a balance of$299.55, and a $27.00 minimum due on September 27, 2016. You scheduled a $30.00 onlinepayment for September 15, 2016, which posted to your account. An additional payment for$299.00 was received by mail and posted to the account on September 15, 2016, thus leaving abalance of $48.84.On October 1, 2016, a billing statement was issued, reflecting the $48.84 balance, and a $27.00minimum due by October 27, 2016. On October 4, 2016, a mail order return for $23.47 wascredited to your account; however, this did not remove the minimum payment due, and paymentwas not received. Therefore, the account was assessed a $27.00 late fee pursuant to the CreditCard Agreement (CCA).Enclosed are copies of the billing statements for your records.After speaking to the Bank on November 8, 2016, the associate(s) agreed to issue a partial latefee credit totaling $17.00. The credit has posted to the account. Furthermore, although the feeis valid, we agree that your account was eligible for full credit. Please be assured it is never theBank’s intention to cause a customer a hardship and we have taken the necessary steps to coachour associates regarding this matter.As a courtesy, we issued the additional credit of $10.00 to your account. As a result, the accounthas a credit balance of $10.37. A refund check for this amount has been requested and you willreceive by mail, under separate cover, within 7-10 business days. In addition, your VICTORIA’S SECRET account was closed on October 1, 2016, as yourequested.We apologize for any inconvenience this has caused you, and we hope you find this informationto be helpful. Should you have any questions or concerns, please contact me at ###-###-####,ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]Consumer Relations Specialis
First of all your dates and information is wrong. You keep correcting ( according to you) all items on my ledger which is attached. When I contacted you I had a zero balance on my account I now have a $20.61 balance. You have not admitted any wrong doing, nor that you have taken an enormous amount of my time and lied repeatedly in your emails and now in this correspondance. Your solution is to try to charge me more than I owe than when I filed this dispute? You have provided no written statement on to why you have adjusted credits on my account after I filed this dispute. My payment history is as stated on my ledger from your bank, not per your Revdex.com response. I will never shop the limited again or use your card to purchase anything at any of the stores that you provide credit services for such as maurices, express, younkers, etc........ which I have cards for as well. Your response to this dispute is an accurate reflection of the poor customer service you provide to your customers.Regards, [redacted]