Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Overstock Store credit card. We are hereto answer your questions and assist with your concerns.We previously received and responded to your correspondence, submitted to the Better BusinessBureau, regarding this same matter. Please find enclosed a copy of our response datedSeptember 22, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]:We received a complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questions. The complaint, addressed ta the Revdex.com, wasforwarded to my...
attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint on April I, 2015, regarding the same issue. We have enclosed a copy of our previousresponse for your records. Please be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations SpecialistApril 4 , 2015Thank you for contacting Comenity Capital Bank. As the bank that issues your American Laser Skincarecredit card, we're here to help with your questions.You recently disputed a transaction on your American Laser Skincare account. Because your disputeletter arrived more than 60 days afler the first billing statement on which the disputed charge appeared,the amount subject to dispute is limited to your balance at the time we received your dispute letter. Sinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge(s) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entities. The bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance charges. These credits appeared on your billing statement as a"provisional credit" and a "finance charge credit." You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenience. If you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####). Any ofour team members will be happy to help you.Sincerely,Customer Care teamSEND BANKRUPTCY NOTICESIREIATED CORRESPONDENCE TO[redacted]The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, 1100 Walnut Street, Box #11, Kansas City, Missouri 641 06.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection Act. The State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts021 08.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories an each individual upon request. TheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with thislaw.
The response still does not address the legality of charging interest to their late fees and falsely stating I made new charges. It is just a way to double and triple bill people. Whether I pay on time or not, I get charged 2 different fees and I continue to contend this is illegal!
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. I appreciate the attention to the issue that caused me to not receive confirmation of receipt of a return, but additionally the promptness in dealing with getting me a full refund. It was noted that they are working on the issue and it was definitely an error on their end that was not one that is consistently occurring. I do hope that they are able to ensure this won't happen in the future. The representative that reached out to me, I responded to via email, indicating to her that was the best form of correspondences. I work full time from 7-5 at a public garden, and was not able to return her calls during the time she provided (9-5).
Dear [redacted]We have received your complaint regarding the above-noted account. Cornenity Capital Bankissues Gardner-White Furniture credit card accounts, and we respond to all account-relatedconcerns. Your complaint, addressed to the Revdex.com, was forwarded to myattention,...
and I appreciate the opportunity to assist you.In your complaint, you state that you made a purchase for $2,300.00 and financed $1,500.00 ofthe purchase on your Gardner-White Furniture credit card account. You further state that youhave been making payments of approximately $50.00 a month; however, your balance is notdecreasing. You are requesting that the late fees and finance charges be waived and to haveyour account reflect a reasonable pay off amount. I understand your concerns and apologizefor any inconvenience or frustration this matter may have caused you.Our records indicate that on July 19, 201 3, a purchase of $1,500.00 posted to your account andwas placed on a 6-month deferred interest, payment required plan that was set to expire onJanuary 19, 2014. For purchases on these plans, the customer is required to make paymentson the promotional plan balance based on the standard repayment terms for their account.Interest is accrued (calculated, but not added to the balance) and if the balance is not paid in fullby the plan end date, the accrued finance charges, which were calculated from the date of theoriginal purchase, will be added to the deferred balance, and this balance will be moved to thecustomer's revolving balance. This information appeared on your monthly billing statements,under the heading, "Details of your plans". I have enclosed your billing statements for yourreview.Upon further review, our records indicate that payments of $25.00 were made for the months ofSeptember 201 3, October 201 3, November 201 3, December 201 3, and January 2014. Pleasebe advised that a statement was issued to you on January 15, 2014, showing a balance of$1,375.00 with a minimum payment of $25.00 due by February 10, 2014. Under the "details ofyour plan" section of your January 15, 2014, statement, it stated that the promotional balance of$1,375.00 needed to be paid in full by January 19, 2014, to avoid the accrued finance charge.As a result of the promotional balance not being paid in full by the plan expiration date, theaccrued interest of $239.06 was assessed to your account on January 19, 2014, and theremaining promotional balance of $1,350.00 was moved to revolving, which is subject to normalmonthly finance charges.Our records further indicate that statements continued to be sent to you showing your balance,minimum payment required, and due date. However, for the months of April 2014, September2014, October 2014, January 2015, February 2015, March 2015, April 21315, May 2015, Junebecause the Bank either did not receive a payment by the due date, or the minimum payment was not met.Comenity Capital Bank has not found any errors with the account, and we are unwilling toremove any fees that were assessed to the account, as they are valid.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], (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Dear Ms. [redacted]We are in receipt of your complaint regarding the above-referenced account. Comenity Bank issuesdressbarn credit card accounts, and we respond to all account-related questions. Your complaint,addressed to the Revdex.com, was forwarded to my attention, and I appreciate the...
opportunityto respond to your concerns.We understand from your complaint, you made two payments to Cornenity Bank and received confirmationnumbers for both payments. However, both payments were returned. You were originally contacted byComenity Bank on June 24, 2016, advising that your payment scheduled on June 10, 2016, for $45.00,was returned. You were advised the bank account number ending in 2970, was entered incorrectly, causingthe payment not to be processed. You state you made another payment of $45.00, with our representative,and received a second confirmation number for the payment. However, this payment was also returned.To ensure your payment would post to your account, you chose to make your next payment at the dressbarnretail store. In the meanwhile, you received a letter from Cornenity Bank stating your dressbarn credit cardaccount was frozen due to the two returned payments. You then contacted Comenity Bank to discuss thismatter, and were advised that your account had been corrected. Later that week, you received anotherletter from Comenity Bank advising fees resulting from this matter, had been removed. You later tried toutilize your dressbarn credit card account for purchases and your purchases were declined. You wereadvised that your card was declined due to payments being returned on your account.Lastly, you state you were advised by our representative, that you would receive documentation advisingwhy the dressbarn payments had been returned. While waiting for this information, your bank informedyou that a payment from Comenity Bank was never received or returned from their office.You are requesting Comenity Bank provide you with documentation that your bank returned both of yourpayments. Also, you are requesting Comenity Bank reestablish your dressbarn credit card account.We apologize for the inconvenience and frustration this matter may have caused you. Please be assured,Comenity Bank has reviewed and investigated the concerns in your complaint as well as the applicabletelephone conversations.Our findings show that your payment scheduled on June 10, 2016, through our Interactive Voice Responsesystem, was entered with the incorrect bank account number. Additionally, the payment scheduled on June24, 2016, with a Bank representative, was also returned due to an incorrect bank account number. Pleasenote, your payments were not returned due to insufficient funds. The payments were returned becausewhen we presented the payments to [redacted], they were unable to locate the account numberprovided. Therefore, when you asked your bank about any returned payments, they had no record of thepayments being presented, as they were not presented with your bank account number. Please understandthat communication with your bank was done electronically; therefore, we are unable to provide you withthe notification from your bank regarding the inability to locate an account with the information provided.Please note, in the interest of customer service, all fees resulting from this matter have been credited backto your account. Additionally, all restrictions resulting from this matter have been removed, and accountutility has been restored.You are a valued customer, and I hope you find this information to be helpful. Should you have additionalquestions or concerns about the account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I would be happy to assist you.Sincerely,Geanine M[redacted]
Dear Mr. [redacted]: Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. You state that you did not have a credit card with Comenity Capital Bank, and you sent a check of $44.95 to pay for the pants you ordered. You further state that [redacted] told Comenity Capital Bank that the bill was paid on March 13, 2015, and you have sent proof that the pants were paid for. You are requesting for the balance to be credited to zero. We sincerely apologize for any inconvenience or frustration this matter may have caused you. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. We have reviewed the account and we are happy to share our findings. Our records indicate that the Haband account was opened on January 3, 2015, in the name of [redacted]. This account was opened when you contacted Haband to place an order by telephone. You had been selected for a pre-approved credit card offer from Comenity Capital Bank which was based upon information in your credit report which satisfied the Bank’s criteria for creditworthiness. At the time the order was placed, you would have been asked if you were interested in opening a Haband account, based on the pre-approved credit offer. The account was opened, and a purchase of $29.98 was placed. This purchase posted to the Haband account on January 3, 2015. On February 25, 2015, a purchase of $44.95 posted to the above-referenced account. We contacted Haband, on your behalf, and they are issuing a refund check of $44.95 to you. Please allow 14 days to receive the refund check, by separate mailing. For questions regarding the refund, please contact Haband directly at ###-###-####. In the interest of customer service, the Bank issued a credit of $44.95 to the Haband account, and credits totaling $218.15, to remove the previously assessed late fees and finance charges. Please be assured, the account balance, as of today’s date, is zero. We understand from your complaint that you may not have been aware that a Haband credit card account was opened, as you state that you do not have an account with Comenity Capital Bank. Notification has been sent to the national credit-reporting agencies with instructions to have the Haband account deleted from your credit bureau report. Please allow the credit-reporting agencies 45 days to update their records. You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free ###-###-####. You may also contact the credit-reporting agencies directly by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com Should you later decide that you do wish to receive “prescreened” offers, you may remove the prohibition on use of your credit report information by notifying the above agencies. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R[redacted]
Dear Mrs. [redacted]We received your additional complaint, addressed to the Revdex.com. Comenity Bank issues the Reeds® Jewelerscredit card accounts, and we respond to account-related questions. Your correspondence was forwarded to myattention, and I appreciate the opportunity to respond to your concerns. We understand your concerns as explained in the complaint. Please be advised that we have sent aresponse to Mr. [redacted] directly regarding the account on July 15, 2015. Comenity Bank considers this matter closed. Wehope this information is helpful. Should you have any other questions or concerns regarding this account, please haveMr. [redacted] contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist. Sincerely,Ashley H[redacted]
thank you for your help Revdex.comcan you please have someone from their team contact me to pay the balance of $66 and to close my account and credit card. I no longer wish to deal with their customer service since they were unable to help in the first place or provide me any info/data. I will no longer be a comenity bank or pottery barn customer
Regards,
[redacted]
Dear [redacted]Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the My Place Rewards credit card. We are here to answer your questionsand assist with your concerns.The Bank has received your correspondence from the...
Revdex.com (Revdex.com). You state that inOctober 2016 the My Place Rewards account was opened, and you never received a billing statement forNovember or December. In March you received a call from the Bank advising that the account was pastdue and the balance was $169.39. The representative offered to waive fees in the amount of $84.70 if youwere to pay the remainder of the balance and this offer was refused.You are requesting to have the fees credited to your account so that you may pay the original amount of$30.24, as you never received the billing statements.After a review of your account your billing statements have been sent to the address referenced above.This address has been confirmed from your correspondence sent through the Revdex.com. The Bank has notreceived any notification from the United States Postal Service indicating that any of the correspondencesent from the Bank has been returned as undeliverable.Please be advised that we have received your payment in the amount of $30.24, which was posted to theaccount on April 6, 2017. As this payment has been posted to your account; however, it does not cover theminimum amount due of $125.00. The remaining amount of $94.76 is due by April 19, 2017, or your accountwill be subject to further fees and collection activity. As of the date of this letter the balance is $130.36.As the Bank finds no errors, we respectfully decline your request to have the fees adjusted on the account.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Diamond L[redacted]
Dear [redacted] ** * * Comenity Bank (Bank) has received your correspondence regarding an account. Comenity Bank issues multiple retail credit card accounts. We are here to answer your questions and assist with your concerns. We understand from...
your correspondence that you are being charged excessively for bed(s). You state that you have missed one payment and you receive a phone call every day including Sundays. We are unable to locate the account you are referencing regarding this matter. To further research your concerns, we request the following: Comenity Bank Account NumberFull social security numberAny previous addressesTelephone number as listed on the account Once this information is received, we should be able to locate the account and further research your concerns. 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
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint, and you state that you made...
a return on September 9, 2016; however, you have not received a credit for your returns. You further state that you have mailed the confirmation number for the return to Victoria’s Secret and still have not received return credit. As a result of the return credit not posting to your account, the Bank has assessed fees to your account. You are requesting that the Bank settle the account and bring the balance to zero for the inconvenience you have experienced regarding this matter.We understand your concerns, and apologize for any frustration this matter may have caused you.Our records indicate that a statement was issued on September 11, 2016, indicating a balance of $900.04 and a minimum payment of $45.00 due by October 7, 2016.Please be advised that the Bank does not show that a return credit posted to your account on September 9, 2016. However, a return credits of $8.51 and $22.60 posted to your account on September 29, 2016.Bank records further indicate that on October 12, 2016, a statement was issued indicating a balance of $842.93 with a minimum payment of $40 due by November 7, 2016. Please be advised that the Bank did not receive any payments for the months of: November 2016, December 2016, January 2017, and February 2017;. as a result late fees and finance charges were assessed to your account for those months.Please understand that Comenity Bank and Victoria’s Secret are separate entities. Comenity Bank issues and responds to questions regarding the Victoria’s Secret Angel credit card account. While Victoria’s Secret responds to questions regarding merchandise, purchases, returns, and shipping. We suggest you contact Victoria’s Secret directly regarding your return.Comenity Bank did not find any billing errors with the account and we find the balance to be valid; therefore, the balance will not be waived.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
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Dear Ms. [redacted]We received your additional complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your account-related questions. I appreciate the opportunity to assist you.Your complaint states that we have not helped you and that we are collecting interest and fees although you have not received the account information. You advised that you will not pay all of the late fees and that you expect the Bank to come up with an offer about the late fees or you will go through small claims court. Once we make you an offer about the late fees, then you would be willing to talk with the Bank.Please be advised that the position of Comenity Bank remains unchanged. As previously indicated, the monthly statements are being sent to the address listed at the top of this letter. Additionally, we are unable to send statements to you by email and by mail via the post office. However, we are sending your statements via the post office and an email is being sent to [redacted] to advise that your statement is available to view on Account Center.As of today’s date, the account is five billing periods past due, and has a balance of $958.19.The account may still qualify for a Hardship Program or settlement. To take advantage of the programs that may be available to you by Comenity Bank, we urge you to call our Payment Solutions team, toll free, at ###-###-#### (TDD/TTY ###-###-####), or you may contact the consumer credit counseling agency, Money Management International (MMI), at ###-###-####, and speak to a credit counselor.We apologize for any inconvenience you have been caused, and we hope this information is helpful. Should you have any further questions or concerns, please contact our Payment Solutions team at the number provided. They will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension. Please let me know if this extension is not approved. Thank you,
they did not mention that when I called in after making the $35 payment that they stated there was no balance on the account now they want more money. I never signed up for just to receive bills via email and I checked my junk folder and I do not see anything from the bank. I will pay one last late fee but I refuse to pay for their lack of proper information given and also their lack of providing me any information. Why would I attempt to pay off the balance and then make another payment after realizing that the bank made another error on giving me the incorrect pay off amount. ..Then I pay the $35 balance and the amount I already had to pay which I felt like I shouldn't have paid to begin with. Now they want me to pay another $340 in fees. Ridiculous and disrespectful to a consumer. As you can see there are plenty of lawsuits and class action lawsuits against thins bank for their business practices Regards, [redacted]
I am writing in response to your 12/14/2016 letter regarding a complaint that was filed by [redacted]
[redacted].I have spoken with Ms. [redacted] regarding the differences in the estimates and about thesupplement process. Ms. [redacted] now only needs to schedule a repair date and SafeAuto willaddress any...
supplemental damages directly with a body shop of her choice. Ms. [redacted] didadvise she mailed the payment of $1 182.38 back to SafeAuto. She did agree for SafeAuto tosend that payment back to her once it is received.Should you have any questions regarding this matter, please contact the undersigned.Sincerely,
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand that while visiting the...
Lakeland Victoria’s Secret store in October 2016, you applied for an account and were approved. However, the store associate entered someone else’s address on the application. You never received the credit card or billing statements, and in February 2017 you were contacted by the Bank stating you had not paid your bill and three billing statements had been sent. You state the representative was nasty and accused you of lying as the statements had not been returned. You were directed to the Account Protection (Fraud) Department in which the representative confirmed that the address on the account was in Davenport Florida. At this time you requested to have the account closed. Two months later when speaking to an Account Protection representative you were advised the account wasn’t cancelled, and late fees were assessed. On May 19, 2017, you received a letter from the Bank advising that there hasn’t been any fraud in the matter. We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Thank you for taking the time to speak with me on May 25, 2017, to resolve this matter. As discussed we sent a request to the credit reporting agencies to remove the delinquency reported in April 2017. Please allow the credit reporting agencies up to 45 business days to update their records. Please be assured all Bank fees were previously credited to the account. The Victoria’s Secret Angel credit card account has been closed per your request as of January 12, 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]
[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]We received your complaint, addressed to the
Revdex.com, regarding the account referenced above. Comenity Bank issues RH credit card accounts,
and we respond to 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 $225.00
reward certificate that was sent to you on August 24, 2015, and that was never
received. I apologize for any
inconvenience this matter may have caused you.We
have manually added points to your account to generate a second reward. A $225.00 reward certificate will be issued on November
15, 2015. Please be advised that you
should receive this reward certificate within 4-6 weeks from the date issued.We hope this information is helpful. Should you have any other questions or
concerns regarding this account, please feel free to contact me at
###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Ashley H[redacted]
Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Overstock Store credit card. We are hereto answer your questions and assist with your concerns.We previously received and responded to your correspondence, submitted to the Better BusinessBureau, regarding this same matter. Please find enclosed a copy of our response datedSeptember 22, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
....Please see attached response......
Dear [redacted]:We received a complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questions. The complaint, addressed ta the Revdex.com, wasforwarded to my...
attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint on April I, 2015, regarding the same issue. We have enclosed a copy of our previousresponse for your records. Please be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations SpecialistApril 4 , 2015Thank you for contacting Comenity Capital Bank. As the bank that issues your American Laser Skincarecredit card, we're here to help with your questions.You recently disputed a transaction on your American Laser Skincare account. Because your disputeletter arrived more than 60 days afler the first billing statement on which the disputed charge appeared,the amount subject to dispute is limited to your balance at the time we received your dispute letter. Sinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge(s) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entities. The bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance charges. These credits appeared on your billing statement as a"provisional credit" and a "finance charge credit." You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenience. If you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####). Any ofour team members will be happy to help you.Sincerely,Customer Care teamSEND BANKRUPTCY NOTICESIREIATED CORRESPONDENCE TO[redacted]The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, 1100 Walnut Street, Box #11, Kansas City, Missouri 641 06.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection Act. The State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts021 08.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories an each individual upon request. TheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with thislaw.
The response still does not address the legality of charging interest to their late fees and falsely stating I made new charges. It is just a way to double and triple bill people. Whether I pay on time or not, I get charged 2 different fees and I continue to contend this is illegal!
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. I appreciate the attention to the issue that caused me to not receive confirmation of receipt of a return, but additionally the promptness in dealing with getting me a full refund. It was noted that they are working on the issue and it was definitely an error on their end that was not one that is consistently occurring. I do hope that they are able to ensure this won't happen in the future. The representative that reached out to me, I responded to via email, indicating to her that was the best form of correspondences. I work full time from 7-5 at a public garden, and was not able to return her calls during the time she provided (9-5).
Dear [redacted]We have received your complaint regarding the above-noted account. Cornenity Capital Bankissues Gardner-White Furniture credit card accounts, and we respond to all account-relatedconcerns. Your complaint, addressed to the Revdex.com, was forwarded to myattention,...
and I appreciate the opportunity to assist you.In your complaint, you state that you made a purchase for $2,300.00 and financed $1,500.00 ofthe purchase on your Gardner-White Furniture credit card account. You further state that youhave been making payments of approximately $50.00 a month; however, your balance is notdecreasing. You are requesting that the late fees and finance charges be waived and to haveyour account reflect a reasonable pay off amount. I understand your concerns and apologizefor any inconvenience or frustration this matter may have caused you.Our records indicate that on July 19, 201 3, a purchase of $1,500.00 posted to your account andwas placed on a 6-month deferred interest, payment required plan that was set to expire onJanuary 19, 2014. For purchases on these plans, the customer is required to make paymentson the promotional plan balance based on the standard repayment terms for their account.Interest is accrued (calculated, but not added to the balance) and if the balance is not paid in fullby the plan end date, the accrued finance charges, which were calculated from the date of theoriginal purchase, will be added to the deferred balance, and this balance will be moved to thecustomer's revolving balance. This information appeared on your monthly billing statements,under the heading, "Details of your plans". I have enclosed your billing statements for yourreview.Upon further review, our records indicate that payments of $25.00 were made for the months ofSeptember 201 3, October 201 3, November 201 3, December 201 3, and January 2014. Pleasebe advised that a statement was issued to you on January 15, 2014, showing a balance of$1,375.00 with a minimum payment of $25.00 due by February 10, 2014. Under the "details ofyour plan" section of your January 15, 2014, statement, it stated that the promotional balance of$1,375.00 needed to be paid in full by January 19, 2014, to avoid the accrued finance charge.As a result of the promotional balance not being paid in full by the plan expiration date, theaccrued interest of $239.06 was assessed to your account on January 19, 2014, and theremaining promotional balance of $1,350.00 was moved to revolving, which is subject to normalmonthly finance charges.Our records further indicate that statements continued to be sent to you showing your balance,minimum payment required, and due date. However, for the months of April 2014, September2014, October 2014, January 2015, February 2015, March 2015, April 21315, May 2015, Junebecause the Bank either did not receive a payment by the due date, or the minimum payment was not met.Comenity Capital Bank has not found any errors with the account, and we are unwilling toremove any fees that were assessed to the account, as they are valid.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], (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Dear Ms. [redacted]We are in receipt of your complaint regarding the above-referenced account. Comenity Bank issuesdressbarn credit card accounts, and we respond to all account-related questions. Your complaint,addressed to the Revdex.com, was forwarded to my attention, and I appreciate the...
opportunityto respond to your concerns.We understand from your complaint, you made two payments to Cornenity Bank and received confirmationnumbers for both payments. However, both payments were returned. You were originally contacted byComenity Bank on June 24, 2016, advising that your payment scheduled on June 10, 2016, for $45.00,was returned. You were advised the bank account number ending in 2970, was entered incorrectly, causingthe payment not to be processed. You state you made another payment of $45.00, with our representative,and received a second confirmation number for the payment. However, this payment was also returned.To ensure your payment would post to your account, you chose to make your next payment at the dressbarnretail store. In the meanwhile, you received a letter from Cornenity Bank stating your dressbarn credit cardaccount was frozen due to the two returned payments. You then contacted Comenity Bank to discuss thismatter, and were advised that your account had been corrected. Later that week, you received anotherletter from Comenity Bank advising fees resulting from this matter, had been removed. You later tried toutilize your dressbarn credit card account for purchases and your purchases were declined. You wereadvised that your card was declined due to payments being returned on your account.Lastly, you state you were advised by our representative, that you would receive documentation advisingwhy the dressbarn payments had been returned. While waiting for this information, your bank informedyou that a payment from Comenity Bank was never received or returned from their office.You are requesting Comenity Bank provide you with documentation that your bank returned both of yourpayments. Also, you are requesting Comenity Bank reestablish your dressbarn credit card account.We apologize for the inconvenience and frustration this matter may have caused you. Please be assured,Comenity Bank has reviewed and investigated the concerns in your complaint as well as the applicabletelephone conversations.Our findings show that your payment scheduled on June 10, 2016, through our Interactive Voice Responsesystem, was entered with the incorrect bank account number. Additionally, the payment scheduled on June24, 2016, with a Bank representative, was also returned due to an incorrect bank account number. Pleasenote, your payments were not returned due to insufficient funds. The payments were returned becausewhen we presented the payments to [redacted], they were unable to locate the account numberprovided. Therefore, when you asked your bank about any returned payments, they had no record of thepayments being presented, as they were not presented with your bank account number. Please understandthat communication with your bank was done electronically; therefore, we are unable to provide you withthe notification from your bank regarding the inability to locate an account with the information provided.Please note, in the interest of customer service, all fees resulting from this matter have been credited backto your account. Additionally, all restrictions resulting from this matter have been removed, and accountutility has been restored.You are a valued customer, and I hope you find this information to be helpful. Should you have additionalquestions or concerns about the account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I would be happy to assist you.Sincerely,Geanine M[redacted]
Dear Mr. [redacted]: Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. You state that you did not have a credit card with Comenity Capital Bank, and you sent a check of $44.95 to pay for the pants you ordered. You further state that [redacted] told Comenity Capital Bank that the bill was paid on March 13, 2015, and you have sent proof that the pants were paid for. You are requesting for the balance to be credited to zero. We sincerely apologize for any inconvenience or frustration this matter may have caused you. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. We have reviewed the account and we are happy to share our findings. Our records indicate that the Haband account was opened on January 3, 2015, in the name of [redacted]. This account was opened when you contacted Haband to place an order by telephone. You had been selected for a pre-approved credit card offer from Comenity Capital Bank which was based upon information in your credit report which satisfied the Bank’s criteria for creditworthiness. At the time the order was placed, you would have been asked if you were interested in opening a Haband account, based on the pre-approved credit offer. The account was opened, and a purchase of $29.98 was placed. This purchase posted to the Haband account on January 3, 2015. On February 25, 2015, a purchase of $44.95 posted to the above-referenced account. We contacted Haband, on your behalf, and they are issuing a refund check of $44.95 to you. Please allow 14 days to receive the refund check, by separate mailing. For questions regarding the refund, please contact Haband directly at ###-###-####. In the interest of customer service, the Bank issued a credit of $44.95 to the Haband account, and credits totaling $218.15, to remove the previously assessed late fees and finance charges. Please be assured, the account balance, as of today’s date, is zero. We understand from your complaint that you may not have been aware that a Haband credit card account was opened, as you state that you do not have an account with Comenity Capital Bank. Notification has been sent to the national credit-reporting agencies with instructions to have the Haband account deleted from your credit bureau report. Please allow the credit-reporting agencies 45 days to update their records. You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free ###-###-####. You may also contact the credit-reporting agencies directly by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com Should you later decide that you do wish to receive “prescreened” offers, you may remove the prohibition on use of your credit report information by notifying the above agencies. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R[redacted]
Dear Mrs. [redacted]We received your additional complaint, addressed to the Revdex.com. Comenity Bank issues the Reeds® Jewelerscredit card accounts, and we respond to account-related questions. Your correspondence was forwarded to myattention, and I appreciate the opportunity to respond to your concerns. We understand your concerns as explained in the complaint. Please be advised that we have sent aresponse to Mr. [redacted] directly regarding the account on July 15, 2015. Comenity Bank considers this matter closed. Wehope this information is helpful. Should you have any other questions or concerns regarding this account, please haveMr. [redacted] contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist. Sincerely,Ashley H[redacted]
thank you for your help Revdex.comcan you please have someone from their team contact me to pay the balance of $66 and to close my account and credit card. I no longer wish to deal with their customer service since they were unable to help in the first place or provide me any info/data. I will no longer be a comenity bank or pottery barn customer
Regards,
[redacted]
Dear [redacted]Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the My Place Rewards credit card. We are here to answer your questionsand assist with your concerns.The Bank has received your correspondence from the...
Revdex.com (Revdex.com). You state that inOctober 2016 the My Place Rewards account was opened, and you never received a billing statement forNovember or December. In March you received a call from the Bank advising that the account was pastdue and the balance was $169.39. The representative offered to waive fees in the amount of $84.70 if youwere to pay the remainder of the balance and this offer was refused.You are requesting to have the fees credited to your account so that you may pay the original amount of$30.24, as you never received the billing statements.After a review of your account your billing statements have been sent to the address referenced above.This address has been confirmed from your correspondence sent through the Revdex.com. The Bank has notreceived any notification from the United States Postal Service indicating that any of the correspondencesent from the Bank has been returned as undeliverable.Please be advised that we have received your payment in the amount of $30.24, which was posted to theaccount on April 6, 2017. As this payment has been posted to your account; however, it does not cover theminimum amount due of $125.00. The remaining amount of $94.76 is due by April 19, 2017, or your accountwill be subject to further fees and collection activity. As of the date of this letter the balance is $130.36.As the Bank finds no errors, we respectfully decline your request to have the fees adjusted on the account.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Diamond L[redacted]
Dear [redacted] ** * * Comenity Bank (Bank) has received your correspondence regarding an account. Comenity Bank issues multiple retail credit card accounts. We are here to answer your questions and assist with your concerns. We understand from...
your correspondence that you are being charged excessively for bed(s). You state that you have missed one payment and you receive a phone call every day including Sundays. We are unable to locate the account you are referencing regarding this matter. To further research your concerns, we request the following: Comenity Bank Account NumberFull social security numberAny previous addressesTelephone number as listed on the account Once this information is received, we should be able to locate the account and further research your concerns. 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
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint, and you state that you made...
a return on September 9, 2016; however, you have not received a credit for your returns. You further state that you have mailed the confirmation number for the return to Victoria’s Secret and still have not received return credit. As a result of the return credit not posting to your account, the Bank has assessed fees to your account. You are requesting that the Bank settle the account and bring the balance to zero for the inconvenience you have experienced regarding this matter.We understand your concerns, and apologize for any frustration this matter may have caused you.Our records indicate that a statement was issued on September 11, 2016, indicating a balance of $900.04 and a minimum payment of $45.00 due by October 7, 2016.Please be advised that the Bank does not show that a return credit posted to your account on September 9, 2016. However, a return credits of $8.51 and $22.60 posted to your account on September 29, 2016.Bank records further indicate that on October 12, 2016, a statement was issued indicating a balance of $842.93 with a minimum payment of $40 due by November 7, 2016. Please be advised that the Bank did not receive any payments for the months of: November 2016, December 2016, January 2017, and February 2017;. as a result late fees and finance charges were assessed to your account for those months.Please understand that Comenity Bank and Victoria’s Secret are separate entities. Comenity Bank issues and responds to questions regarding the Victoria’s Secret Angel credit card account. While Victoria’s Secret responds to questions regarding merchandise, purchases, returns, and shipping. We suggest you contact Victoria’s Secret directly regarding your return.Comenity Bank did not find any billing errors with the account and we find the balance to be valid; therefore, the balance will not be waived.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
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Dear Ms. [redacted]We received your additional complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your account-related questions. I appreciate the opportunity to assist you.Your complaint states that we have not helped you and that we are collecting interest and fees although you have not received the account information. You advised that you will not pay all of the late fees and that you expect the Bank to come up with an offer about the late fees or you will go through small claims court. Once we make you an offer about the late fees, then you would be willing to talk with the Bank.Please be advised that the position of Comenity Bank remains unchanged. As previously indicated, the monthly statements are being sent to the address listed at the top of this letter. Additionally, we are unable to send statements to you by email and by mail via the post office. However, we are sending your statements via the post office and an email is being sent to [redacted] to advise that your statement is available to view on Account Center.As of today’s date, the account is five billing periods past due, and has a balance of $958.19.The account may still qualify for a Hardship Program or settlement. To take advantage of the programs that may be available to you by Comenity Bank, we urge you to call our Payment Solutions team, toll free, at ###-###-#### (TDD/TTY ###-###-####), or you may contact the consumer credit counseling agency, Money Management International (MMI), at ###-###-####, and speak to a credit counselor.We apologize for any inconvenience you have been caused, and we hope this information is helpful. Should you have any further questions or concerns, please contact our Payment Solutions team at the number provided. They will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension. Please let me know if this extension is not approved. Thank you,
they did not mention that when I called in after making the $35 payment that they stated there was no balance on the account now they want more money. I never signed up for just to receive bills via email and I checked my junk folder and I do not see anything from the bank. I will pay one last late fee but I refuse to pay for their lack of proper information given and also their lack of providing me any information. Why would I attempt to pay off the balance and then make another payment after realizing that the bank made another error on giving me the incorrect pay off amount. ..Then I pay the $35 balance and the amount I already had to pay which I felt like I shouldn't have paid to begin with. Now they want me to pay another $340 in fees. Ridiculous and disrespectful to a consumer. As you can see there are plenty of lawsuits and class action lawsuits against thins bank for their business practices Regards, [redacted]
I am writing in response to your 12/14/2016 letter regarding a complaint that was filed by [redacted]
[redacted].I have spoken with Ms. [redacted] regarding the differences in the estimates and about thesupplement process. Ms. [redacted] now only needs to schedule a repair date and SafeAuto willaddress any...
supplemental damages directly with a body shop of her choice. Ms. [redacted] didadvise she mailed the payment of $1 182.38 back to SafeAuto. She did agree for SafeAuto tosend that payment back to her once it is received.Should you have any questions regarding this matter, please contact the undersigned.Sincerely,
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand that while visiting the...
Lakeland Victoria’s Secret store in October 2016, you applied for an account and were approved. However, the store associate entered someone else’s address on the application. You never received the credit card or billing statements, and in February 2017 you were contacted by the Bank stating you had not paid your bill and three billing statements had been sent. You state the representative was nasty and accused you of lying as the statements had not been returned. You were directed to the Account Protection (Fraud) Department in which the representative confirmed that the address on the account was in Davenport Florida. At this time you requested to have the account closed. Two months later when speaking to an Account Protection representative you were advised the account wasn’t cancelled, and late fees were assessed. On May 19, 2017, you received a letter from the Bank advising that there hasn’t been any fraud in the matter. We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Thank you for taking the time to speak with me on May 25, 2017, to resolve this matter. As discussed we sent a request to the credit reporting agencies to remove the delinquency reported in April 2017. Please allow the credit reporting agencies up to 45 business days to update their records. Please be assured all Bank fees were previously credited to the account. The Victoria’s Secret Angel credit card account has been closed per your request as of January 12, 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]
[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]We received your complaint, addressed to the
Revdex.com, regarding the account referenced above. Comenity Bank issues RH credit card accounts,
and we respond to 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 $225.00
reward certificate that was sent to you on August 24, 2015, and that was never
received. I apologize for any
inconvenience this matter may have caused you.We
have manually added points to your account to generate a second reward. A $225.00 reward certificate will be issued on November
15, 2015. Please be advised that you
should receive this reward certificate within 4-6 weeks from the date issued.We hope this information is helpful. Should you have any other questions or
concerns regarding this account, please feel free to contact me at
###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Ashley H[redacted]