Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answeryour 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 sent to you onMarch 15, 2017.As stated in the previous response, after reviewing the account, our records indicate that apayment of $70.00 was made via our Account Center on March 1, 2017. This payment wasreturned to the Bank on March 9, 2017, as “no bank account or unable to locate”. As you placedyour call to the Bank regarding the fee assessment and payment on March 7, 2017, which wastwo days before the payment was returned to the Bank and at that time the fee had not yet beenapplied to the account. As such there was no fee to remove, at the time of the call, please keepin mind that it may take up to seven days for payments to be returned from a banking institution.Additionally, you were advised that a credit of $25.00 has been applied to the account for thereturn payment fee that was applied to the account on March 8, 2017, as a courtesy.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,
Dear Ms. [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the CATHERINES® credit card. We are here to answer your questions and assist with your concerns. We understand your concerns regarding the...
unwanted telephone calls from our Bank referenced above. We apologize for the inconvenience this matter may have caused you. Bank records indicate that the CATHERINES® account was opened on September 12, 2016, in the name of [redacted]. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA) indicated your acceptance of the terms of the agreement. A purchase of $125.38 was made on September 12, 2016, at the Catherines store in [redacted]. On September 21, 2016, a statement was issued with a balance of $125.38 and minimum payment of $27.00 due by October 17, 2016. On September 27, 2016, the welcome kit was returned to the Bank, as the address listed on your account was not your current address. As no payment was received, late fees and finance charges were assessed to your account, in accordance with the CCA. Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempts to communicate are successful. Please be assured that we have removed the late fees in the amount of $62.00 and the finance charges in the amount of $6.71. Please be advised that notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment history that was previously reported regarding the CATHERINES® account. Please allow the credit-reporting agencies 45 days to update their records. Also, we have enclosed a copy of your September 2016 billing statement for your records. The balance on your CATHERINES® account is $125.38. 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, Ashley H[redacted] Compliance Dept. – Consumer Responses
Dear Dr. [redacted] We received your complaint, addressed to theRevdex.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...
theopportunity to respond to your concerns. We understand your concerns regarding yourrecent purchases that were placed on the 12 month deferred interest plan andyou are stating you also wanted to take advantage of the reward certificates aswell. I apologize for any inconveniencethis matter may have caused you. Please be advised that changes to the RHreward program went in to effect on March 5, 2015, and information wascommunicated on your January 2015 billing statement. RH accountholders may choose to takeadvantage of the 12 month deferred interest plan or earn 5% back inrewards. Please find the enclosed copyof your January 2015 billing statement. We are unable to issue a reward certificate,however, if you prefer to have your purchases removed from the 12 monthdeferred interest plan and receive the 5% back in rewards, please contact medirectly and I will be more than happy to accommodate your request. We hope this information is helpful. Should you have any other questions orconcerns regarding your account, please feel free to contact me at###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
[redacted]Consumer Relations Specialist
Dear Ms. [redacted]: We are in receipt of your complaint regarding the above-referenced accounts. Comenity Bank issues the mentioned credit card account, and we respond to 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. We understand from your complaint, you were contacted by an auto-dialer regarding your Goody’s account being past-due. You state that you advised our Payment Solutions representative that your account is set up on automatic bill pay, which provide monthly confirmation receipts. In addition, while speaking to our representative, you felt that the representative, as well as the supervisor, was rude and sarcastic. You are requesting Comenity Bank to reverse any late fees assessed to your Goody’s account, as well as the removal of delinquencies submitted to the credit reporting agencies as a result of this matter. Please be advised, the last payment received on your Goody’s account posted on March 7, 2016, in the amount of $41.00. The next payment of $43.00, is due by April 5, 2016. Please be assured, the Bank has reviewed the applicable phone conversations. We apologize if you felt that you did not receive the best customer service. It is never the Bank’s intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. Also, we would like to apologize for any inconvenience this matter may have caused you. Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact the customer regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, we may continue to call you during business hours starting at 8:00 a.m. - 9:00 p.m. Eastern Time, until our attempt to communicate is successful. Please be assured, your payment history for your Goody’s credit card account reflect as current, and there has been no derogatory information submitted to the credit reporting agencies. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. Lastly, in the interest of customer service, the $25.00 late fee assessed to your account on March 10, 2016, has been reversed. We apologize for any frustration or inconvenience that you may have experienced regarding this matter. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Geanine M[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
Diane S[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. However I do not accept Comenity's apology.
Dear Ms. [redacted]We have received your recent complaint addressed to the Revdex.com. ComenityBank issues multiple retail credit card accounts, and we are here to help with your accountrelatedquestions. Your complaint was forwarded to my attention, and I appreciate theopportunity to...
respond to your concerns.We understand from your complaint that you have been receiving telephone calls and you donot have a Comenity Bank account. Please accept our apology for any inconvenience orfrustration that you may have experienced regarding the telephone calls you have received.Please be assured that we have searched our records, and can find no account with thetelephone number ending [redacted] that was listed in your complaint. Additionally, we found noaccount with your name, mailing address or email address.If you are receiving telephone calls at a different telephone number, you may provide thatinformation to me at the address listed above, or you may fax it to my attention at ###-###-####.Again, I apologize for the inconvenience and frustration that was created with your experience,and I hope that you find this information to be helpful. If you have any further questionsregarding this matter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####.)I will be happy to assist you. Sincerely,Melissa L[redacted]
December 23, 2016 Sharon Tomalavage 724 Shawtown Road Glade Valley, NC 28627-9149 RE: Woman Within® Credit Card Account Ending In 7689 Revdex.com Complaint ID # 11882297 Dear [redacted]: Comenity...
Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Woman Within® credit card. We are here to answer your questions and assist with your concerns. In your complaint to the Revdex.com, you state you are being doubled billed for $29.98, and refuse to pay for something you do not owe. The Bank’s records indicate you spoke to Ashlee on December 19, 2016, with regard to the above matter. During your conversation with Ashlee, she completed a one-time courtesy adjustment, crediting your Woman Within® credit card for $29.98; which brings your balance to zero. Please keep in mind when a balance is zero billing statements are not sent. On December 21, 2016, the Bank received notification from the Revdex.com stating your complaint with them was closed. If this is correct, please keep this letter for your records; however, if you feel this matter is not resolved, please contact me directly at the phone number listed below. 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] Compliance Dept. – Consumer Responses cc: Revdex.com
your additional correspondence regarding the above-referenced account. Comenity Bank issues the Gander Mountain Mastercard credit card. We are here to answer your questions and assist with your concerns. We received and responded to your correspondence submitted to the Revdex.com regarding this same matter. Please find enclosed a copy of our response dated December 4, 2017. A copy of the front and back of the check issued to [redacted] was sent with the December 4, 2017, correspondence via mail. Please allow 14 days for the correspondence to be received. 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 Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Woman Within® credit card accounts, and we are here to assist you with all account-related questions. I appreciate the opportunity to respond...
to your concerns. We understand from your complaint that you have been assessed late fees, even though you made a payment prior to receiving the bill. You are requesting that the late fees be removed, any negative reporting to the credit-reporting agencies cleared up and your account to be closed. Please review our record of your due dates and the payments we have received: Statement Date Due Date Payment Received Date Payment Amount February 4, 2016 March 1, 2016 February 25, 2016 $30.00 March 6, 2016 April 1, 2016 April 5, 2016 $25.00 April 5, 2016 May 1, 2016 No Payment $0.00 May 6, 2016 June 1, 2016 May 17, 2016 $25.00 & $141.51 If you believe you have made payments, in addition to the payments provided above, we recommend that you contact your personal banking institution, or money order provider, for verification. If a payment is confirmed, please provide a copy of the front and back of the missing payment, and we will be glad to research and update your account accordingly. Your payment is due each month by the 1st of the month. Please keep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee and finance charge, as explained in the Credit Card Agreement (CCA). We have enclosed copies of the billing statements, which show the account activity that comprised the account balance. After researching the account, in the interest of customer service, we issued credits totaling $40.00 to remove the late fees that were assessed to your account. These credits, along with an overpayment of $25.00 resulted in a $65.00 credit balance on your account. Bank records indicate a refund check was issued to you on June 21, 2016, and has been paid. As of the date of this letter, your account is closed and has a zero balance. Please be advised, no negative information regarding the account referenced above was reported to the credit bureaus. I hope this information is helpful. If you have any further questions regarding your Woman Within® account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**
Comenity Bank is currently falsely reporting to the credit bureaus. Nothing is changing like the rep Tionna indicated. Resolution -Ann Taylor store card - I want Comenity Bank to remove the way they are reporting indicating that I requested the credit card closed. This is false. Ann Taylor MasterCard - This account is active and current, but Comenity Bank is reporting that it is closed. I am so frustrated that nothing is being resolved. What more can I do besides file a lawsuit which is so much work when all I just want is for Comenity to truthfully and accurately report my credit cards.
Regards, [redacted]
Dear Ms. [redacted]We received your additional complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Woman Within® credit card accounts, and we are here to assist youwith all account-related questions or concerns. I appreciate the opportunity to respond to your concerns.We understand from your additional complaint that you were told the late fee would not affect your credit score,as you did not receive your statement on time. You want the late fee taken off and your credit score updated.Bank records indicate the only late fee you have been charged has been credited, and there was no negativeinformation reported to the credit bureaus regarding this matter.I hope that this information is helpful. Should you have any further questions regarding your account, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Sportsman’s Guide Buyer’s Club Advantage Rewards Visa credit card. We are here to answer your questions and assist with your concerns.Thank you for your additional correspondence. We apologize for any frustration or inconvenience you experienced as a result of this matter.As previously indicated, the merchant validated the charges and provided the documentation. Our decision remains unchanged. For additional questions or concerns related to the charges, we encourage you to contact the merchant directly.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]
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your questions. The complaint was forwarded to my attention and I appreciate the opportunity...
to address your concerns.We understand your concerns as expressed in the complaint regarding the missing rewards, and the lack of service when contacting the Bank. You have requested the Bank to immediately provide you with the reward certificates or to place a $30.00 credit to your account.Bank records indicate that you earned a $20.00 reward certificate on April 17, 2016, and you earned a $10.00 reward certificate on May 19, 2016. Reward certificates take 3-6 weeks to receive once earned and any replacement reward(s) take 4-7 weeks to receive. We apologize that you have not received the April reward. Our investigation concludes that after contacting the Bank by email on June 5, 2016, a replacement was requested. Additionally, the May reward should be received by the end of June.Comenity Bank is proud of the customer service that we give to our customers. We feel our associates are knowledgeable, friendly, and eager to assist our customers. Due to the lack of assistance, you described in your complaint, please be assured the email messages and applicable telephone conversations were reviewed. Although there was evidence of incorrect reward number information provided, I can assure you that the lack of help you described in the complaint did not occur. It is never our intention to cause a customer a hardship and we sincerely apologize that you were not pleased with the service you received when you contacted the Bank.As a courtesy, I issued a $30.00 credit to your account, which has been deducted from your account balance.You are a valued customer and we hope this information is helpful. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues avenue® credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to respond to your concerns.We understand from your complaint that you spoke to Comenity Bank regarding a false charge on your account as well as a late fee of $25.96. During this conversation, you were advised you were charged for a magazine subscription, that you state you never ordered, as well as a late fee for non-payment. You were assured that the late fee was being removed and you were transferred to the magazine company to request a credit for the magazine. On October 24, 2016, you again received a statement with another late fee assessed to the account. You are requesting that the Revdex.com determine whether the Bank is charging customers for subscriptions that were not authorized. I am happy to share my findings with you.When customers make purchases, they are offered an optional magazine subscription. This product is offered through [redacted] a third party vendor. Please be advised that [redacted] and Comenity Bank are separate entities. Generally, this magazine service includes a free trial period which is disclosed during the enrollment offer. If the magazine enrollment is not cancelled by the end of the trial period, charges for the magazine subscription(s) will be applied to the avenue® account. Our records indicate that a charge of $12.00 for a subscription to Weight Watchers magazine was applied to your account on July 18, 2016. On July 22, 2016, a billing statement was issued to you which reflected this charge and provided a phone number to call, should you have any questions regarding the charge. After a thorough review of the account, credits totaling $36.92 were issued on October 25, 2016, for Bank fees that were assessed to the account due to this matter. Additionally, [redacted] has issued a credit in the amount of $12.00 for the magazine subscription.Please be assured the account was closed at your request on October 24, 2016.We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at (800) 675-5685, ext. 7293207 (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Renee S[redacted]Consumer Relations SpecialistCC:Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Ann Taylor [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your correspondence, submitted to the Better...
Business Bureau, that you scheduled a payment via our Account Center and the Account Center failed to draft the amount. As such this caused the account to assess a late fee and interest. You are requesting the fees removed due to this matter. After reviewing the account, our records indicate that you are not the primary accountholder on the above mentioned account. As such, the Bank will respond to the primary accountholder regarding this matter. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted]
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 recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related inquiries. I appreciate the opportunity to assist you.You state in your...
complaint that you have returned several items to HSN, however, the returned items still remain on your HSN credit card account. Furthermore, you state that you have requested the Bank cease from contacting you by telephone, but your request has been disregarded. You are requesting the Bank provide you with a detailed statement reflecting all charges and/or returned credits that have been applied to the above-noted account.We understand your concerns, and we sincerely apologize for any frustration you may have experienced as a result of this matter.After a thorough investigation, our records indicate that a statement was issued on October 18, 2015, indicating a balance of $1,722.76 with a minimum payment of $86.00, due by November 13, 2015. As no payments were received by the November or December 2015 due dates, late fees and finance charges were assessed to the account, pursuant of the terms outlined in the Credit Card Agreement (CCA).Please note when the Bank’s records show that the minimum payment due has not been received by the due date on an account; we will make attempts to contact you regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempt to communicate is successful.We have noted the above-referenced account to ensure that you are no longer called on the telephone number ending in 5030, per your request. However, the Bank may contact you by mail, or service of court filing, which would be in compliance with state and federal law.Please understand that Comenity Capital Bank and HSN are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping.We contacted HSN on your behalf, regarding the returned merchandise outlined in the previously submitted communication to the Bank. Please see below for a detailed explanation regarding each order.? Order # [redacted]: HSN is unable to confirm the receipt of the Simply Ming 7pc Comfort-Grip Nylon Utensil & Stand Set COBALT BLUE, item [redacted], so no refund is due.? Order # [redacted]: HSN is unable to confirm the receipt of the Ming's Electric Spice Mill Set w/Gourmet Salt & Pepper Blends COBALT BLUE, item [redacted] so no refund is due.? Order # [redacted]: HSN is unable to confirm the receipt of the Simply Ming 7pc Comfort-Grip Nylon Utensil & Stand Set COBALT BLUE, item [redacted], so no refund is due.? Order # [redacted]: HSN verified the receipt of the Nikon COOLPIX 16MP 30X Zoom Full HD Video Wi-Fi Camera RED, item [redacted]. However, HSN has confirmed that you were sent an exchange, order # [redacted]. HSN is unable to confirm the receipt of the exchanged merchandise, item [redacted] so no refund is due. Please note, when a customer orders merchandise from HSN, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling. When the merchandise is returned, the HSN account is credited for the merchandise and the applicable sales tax.Should you have further questions regarding merchandise that you believe was returned to HSN, you must contact HSN’s corporate office directly at ###-###-####, or you may write to, HSN,[redacted]As of the date of this letter, your HSN account has an outstanding balance of $1,837.12, with a minimum payment of $258.00, due by January 13, 2016. The account is currently two billing cycles past due. Should an account exceed six consecutive billing cycles past due, the account will be closed, written off, and reported to the national credit-reporting agencies as an unpaid debt.We have enclosed copies of the billing statements from December 2014 through December 2015, for your review.If you are experiencing difficulty making your payments due to unforeseen circumstances, we may be able to help. You may be eligible for enrollment in our Customer Hardship Program. This program provides customers with six to twelve months of special terms in order to bring and keep the account current. If you are interested in obtaining information on whether your HSN account qualifies for this program, or to discuss your intentions regarding the account, please contact a Payment Solutions representative at ###-###-####.We hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Lauren S[redacted]CC: Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Bergner’s credit card. We are here to answer your questionsand assist with your concerns.We understand from your complaint that there was a credit balance on your account in the...
amountof $100.00. You state that you have contacted the Bank multiple times in regards to the refundcheck that you never received. Furthermore, you are requesting to have a new refund checkissued to you.We have reviewed your account and would like to provide you with the following information. OnSeptember 26, 2016, a refund check was requested for the credit balance on your account in theamount of $101.56. On September 27, 2016, we mailed a check to your attention to the followingaddress; [redacted] Road, Springfield, IL 62711, which was the address on youraccount at the time. The check was cashed through US Bank on October 17, 2016, bearing yoursignature on the endorsement line. We have verified that we sent the funds to US Bank to coverthat check on October 19, 2016, as such, we respectfully decline to issue another refund check.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
These were withdrawals by Comenity Bank from my [redacted] checking account for which services were never performed. I did not benefit from the alleged services. I request a full refund of $2,009. 20
Regards,
[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answeryour 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 sent to you onMarch 15, 2017.As stated in the previous response, after reviewing the account, our records indicate that apayment of $70.00 was made via our Account Center on March 1, 2017. This payment wasreturned to the Bank on March 9, 2017, as “no bank account or unable to locate”. As you placedyour call to the Bank regarding the fee assessment and payment on March 7, 2017, which wastwo days before the payment was returned to the Bank and at that time the fee had not yet beenapplied to the account. As such there was no fee to remove, at the time of the call, please keepin mind that it may take up to seven days for payments to be returned from a banking institution.Additionally, you were advised that a credit of $25.00 has been applied to the account for thereturn payment fee that was applied to the account on March 8, 2017, as a courtesy.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,
Dear Ms. [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the CATHERINES® credit card. We are here to answer your questions and assist with your concerns. We understand your concerns regarding the...
unwanted telephone calls from our Bank referenced above. We apologize for the inconvenience this matter may have caused you. Bank records indicate that the CATHERINES® account was opened on September 12, 2016, in the name of [redacted]. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA) indicated your acceptance of the terms of the agreement. A purchase of $125.38 was made on September 12, 2016, at the Catherines store in [redacted]. On September 21, 2016, a statement was issued with a balance of $125.38 and minimum payment of $27.00 due by October 17, 2016. On September 27, 2016, the welcome kit was returned to the Bank, as the address listed on your account was not your current address. As no payment was received, late fees and finance charges were assessed to your account, in accordance with the CCA. Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempts to communicate are successful. Please be assured that we have removed the late fees in the amount of $62.00 and the finance charges in the amount of $6.71. Please be advised that notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment history that was previously reported regarding the CATHERINES® account. Please allow the credit-reporting agencies 45 days to update their records. Also, we have enclosed a copy of your September 2016 billing statement for your records. The balance on your CATHERINES® account is $125.38. 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, Ashley H[redacted] Compliance Dept. – Consumer Responses
Dear Dr. [redacted] We received your complaint, addressed to theRevdex.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...
theopportunity to respond to your concerns. We understand your concerns regarding yourrecent purchases that were placed on the 12 month deferred interest plan andyou are stating you also wanted to take advantage of the reward certificates aswell. I apologize for any inconveniencethis matter may have caused you. Please be advised that changes to the RHreward program went in to effect on March 5, 2015, and information wascommunicated on your January 2015 billing statement. RH accountholders may choose to takeadvantage of the 12 month deferred interest plan or earn 5% back inrewards. Please find the enclosed copyof your January 2015 billing statement. We are unable to issue a reward certificate,however, if you prefer to have your purchases removed from the 12 monthdeferred interest plan and receive the 5% back in rewards, please contact medirectly and I will be more than happy to accommodate your request. We hope this information is helpful. Should you have any other questions orconcerns regarding your account, please feel free to contact me at###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
[redacted]Consumer Relations Specialist
Dear Ms. [redacted]: We are in receipt of your complaint regarding the above-referenced accounts. Comenity Bank issues the mentioned credit card account, and we respond to 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. We understand from your complaint, you were contacted by an auto-dialer regarding your Goody’s account being past-due. You state that you advised our Payment Solutions representative that your account is set up on automatic bill pay, which provide monthly confirmation receipts. In addition, while speaking to our representative, you felt that the representative, as well as the supervisor, was rude and sarcastic. You are requesting Comenity Bank to reverse any late fees assessed to your Goody’s account, as well as the removal of delinquencies submitted to the credit reporting agencies as a result of this matter. Please be advised, the last payment received on your Goody’s account posted on March 7, 2016, in the amount of $41.00. The next payment of $43.00, is due by April 5, 2016. Please be assured, the Bank has reviewed the applicable phone conversations. We apologize if you felt that you did not receive the best customer service. It is never the Bank’s intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. Also, we would like to apologize for any inconvenience this matter may have caused you. Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact the customer regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, we may continue to call you during business hours starting at 8:00 a.m. - 9:00 p.m. Eastern Time, until our attempt to communicate is successful. Please be assured, your payment history for your Goody’s credit card account reflect as current, and there has been no derogatory information submitted to the credit reporting agencies. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. Lastly, in the interest of customer service, the $25.00 late fee assessed to your account on March 10, 2016, has been reversed. We apologize for any frustration or inconvenience that you may have experienced regarding this matter. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Geanine M[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
Diane S[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. However I do not accept Comenity's apology.
Dear Ms. [redacted]We have received your recent complaint addressed to the Revdex.com. ComenityBank issues multiple retail credit card accounts, and we are here to help with your accountrelatedquestions. Your complaint was forwarded to my attention, and I appreciate theopportunity to...
respond to your concerns.We understand from your complaint that you have been receiving telephone calls and you donot have a Comenity Bank account. Please accept our apology for any inconvenience orfrustration that you may have experienced regarding the telephone calls you have received.Please be assured that we have searched our records, and can find no account with thetelephone number ending [redacted] that was listed in your complaint. Additionally, we found noaccount with your name, mailing address or email address.If you are receiving telephone calls at a different telephone number, you may provide thatinformation to me at the address listed above, or you may fax it to my attention at ###-###-####.Again, I apologize for the inconvenience and frustration that was created with your experience,and I hope that you find this information to be helpful. If you have any further questionsregarding this matter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####.)I will be happy to assist you. Sincerely,Melissa L[redacted]
December 23, 2016 Sharon Tomalavage 724 Shawtown Road Glade Valley, NC 28627-9149 RE: Woman Within® Credit Card Account Ending In 7689 Revdex.com Complaint ID # 11882297 Dear [redacted]: Comenity...
Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Woman Within® credit card. We are here to answer your questions and assist with your concerns. In your complaint to the Revdex.com, you state you are being doubled billed for $29.98, and refuse to pay for something you do not owe. The Bank’s records indicate you spoke to Ashlee on December 19, 2016, with regard to the above matter. During your conversation with Ashlee, she completed a one-time courtesy adjustment, crediting your Woman Within® credit card for $29.98; which brings your balance to zero. Please keep in mind when a balance is zero billing statements are not sent. On December 21, 2016, the Bank received notification from the Revdex.com stating your complaint with them was closed. If this is correct, please keep this letter for your records; however, if you feel this matter is not resolved, please contact me directly at the phone number listed below. 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] Compliance Dept. – Consumer Responses cc: Revdex.com
Comenity Bank (Bank) has received...
your additional correspondence regarding the above-referenced account. Comenity Bank issues the Gander Mountain Mastercard credit card. We are here to answer your questions and assist with your concerns. We received and responded to your correspondence submitted to the Revdex.com regarding this same matter. Please find enclosed a copy of our response dated December 4, 2017. A copy of the front and back of the check issued to [redacted] was sent with the December 4, 2017, correspondence via mail. Please allow 14 days for the correspondence to be received. 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 Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Woman Within® credit card accounts, and we are here to assist you with all account-related questions. I appreciate the opportunity to respond...
to your concerns. We understand from your complaint that you have been assessed late fees, even though you made a payment prior to receiving the bill. You are requesting that the late fees be removed, any negative reporting to the credit-reporting agencies cleared up and your account to be closed. Please review our record of your due dates and the payments we have received: Statement Date Due Date Payment Received Date Payment Amount February 4, 2016 March 1, 2016 February 25, 2016 $30.00 March 6, 2016 April 1, 2016 April 5, 2016 $25.00 April 5, 2016 May 1, 2016 No Payment $0.00 May 6, 2016 June 1, 2016 May 17, 2016 $25.00 & $141.51 If you believe you have made payments, in addition to the payments provided above, we recommend that you contact your personal banking institution, or money order provider, for verification. If a payment is confirmed, please provide a copy of the front and back of the missing payment, and we will be glad to research and update your account accordingly. Your payment is due each month by the 1st of the month. Please keep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee and finance charge, as explained in the Credit Card Agreement (CCA). We have enclosed copies of the billing statements, which show the account activity that comprised the account balance. After researching the account, in the interest of customer service, we issued credits totaling $40.00 to remove the late fees that were assessed to your account. These credits, along with an overpayment of $25.00 resulted in a $65.00 credit balance on your account. Bank records indicate a refund check was issued to you on June 21, 2016, and has been paid. As of the date of this letter, your account is closed and has a zero balance. Please be advised, no negative information regarding the account referenced above was reported to the credit bureaus. I hope this information is helpful. If you have any further questions regarding your Woman Within® account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**
Comenity Bank is currently falsely reporting to the credit bureaus. Nothing is changing like the rep Tionna indicated. Resolution -Ann Taylor store card - I want Comenity Bank to remove the way they are reporting indicating that I requested the credit card closed. This is false. Ann Taylor MasterCard - This account is active and current, but Comenity Bank is reporting that it is closed. I am so frustrated that nothing is being resolved. What more can I do besides file a lawsuit which is so much work when all I just want is for Comenity to truthfully and accurately report my credit cards.
Regards, [redacted]
Dear Ms. [redacted]We received your additional complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Woman Within® credit card accounts, and we are here to assist youwith all account-related questions or concerns. I appreciate the opportunity to respond to your concerns.We understand from your additional complaint that you were told the late fee would not affect your credit score,as you did not receive your statement on time. You want the late fee taken off and your credit score updated.Bank records indicate the only late fee you have been charged has been credited, and there was no negativeinformation reported to the credit bureaus regarding this matter.I hope that this information is helpful. Should you have any further questions regarding your account, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Sportsman’s Guide Buyer’s Club Advantage Rewards Visa credit card. We are here to answer your questions and assist with your concerns.Thank you for your additional correspondence. We apologize for any frustration or inconvenience you experienced as a result of this matter.As previously indicated, the merchant validated the charges and provided the documentation. Our decision remains unchanged. For additional questions or concerns related to the charges, we encourage you to contact the merchant directly.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]
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your questions. The complaint was forwarded to my attention and I appreciate the opportunity...
to address your concerns.We understand your concerns as expressed in the complaint regarding the missing rewards, and the lack of service when contacting the Bank. You have requested the Bank to immediately provide you with the reward certificates or to place a $30.00 credit to your account.Bank records indicate that you earned a $20.00 reward certificate on April 17, 2016, and you earned a $10.00 reward certificate on May 19, 2016. Reward certificates take 3-6 weeks to receive once earned and any replacement reward(s) take 4-7 weeks to receive. We apologize that you have not received the April reward. Our investigation concludes that after contacting the Bank by email on June 5, 2016, a replacement was requested. Additionally, the May reward should be received by the end of June.Comenity Bank is proud of the customer service that we give to our customers. We feel our associates are knowledgeable, friendly, and eager to assist our customers. Due to the lack of assistance, you described in your complaint, please be assured the email messages and applicable telephone conversations were reviewed. Although there was evidence of incorrect reward number information provided, I can assure you that the lack of help you described in the complaint did not occur. It is never our intention to cause a customer a hardship and we sincerely apologize that you were not pleased with the service you received when you contacted the Bank.As a courtesy, I issued a $30.00 credit to your account, which has been deducted from your account balance.You are a valued customer and we hope this information is helpful. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues avenue® credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to respond to your concerns.We understand from your complaint that you spoke to Comenity Bank regarding a false charge on your account as well as a late fee of $25.96. During this conversation, you were advised you were charged for a magazine subscription, that you state you never ordered, as well as a late fee for non-payment. You were assured that the late fee was being removed and you were transferred to the magazine company to request a credit for the magazine. On October 24, 2016, you again received a statement with another late fee assessed to the account. You are requesting that the Revdex.com determine whether the Bank is charging customers for subscriptions that were not authorized. I am happy to share my findings with you.When customers make purchases, they are offered an optional magazine subscription. This product is offered through [redacted] a third party vendor. Please be advised that [redacted] and Comenity Bank are separate entities. Generally, this magazine service includes a free trial period which is disclosed during the enrollment offer. If the magazine enrollment is not cancelled by the end of the trial period, charges for the magazine subscription(s) will be applied to the avenue® account. Our records indicate that a charge of $12.00 for a subscription to Weight Watchers magazine was applied to your account on July 18, 2016. On July 22, 2016, a billing statement was issued to you which reflected this charge and provided a phone number to call, should you have any questions regarding the charge. After a thorough review of the account, credits totaling $36.92 were issued on October 25, 2016, for Bank fees that were assessed to the account due to this matter. Additionally, [redacted] has issued a credit in the amount of $12.00 for the magazine subscription.Please be assured the account was closed at your request on October 24, 2016.We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at (800) 675-5685, ext. 7293207 (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Renee S[redacted]Consumer Relations SpecialistCC:Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Ann Taylor [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your correspondence, submitted to the Better...
Business Bureau, that you scheduled a payment via our Account Center and the Account Center failed to draft the amount. As such this caused the account to assess a late fee and interest. You are requesting the fees removed due to this matter. After reviewing the account, our records indicate that you are not the primary accountholder on the above mentioned account. As such, the Bank will respond to the primary accountholder regarding this matter. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted]
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 recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related inquiries. I appreciate the opportunity to assist you.You state in your...
complaint that you have returned several items to HSN, however, the returned items still remain on your HSN credit card account. Furthermore, you state that you have requested the Bank cease from contacting you by telephone, but your request has been disregarded. You are requesting the Bank provide you with a detailed statement reflecting all charges and/or returned credits that have been applied to the above-noted account.We understand your concerns, and we sincerely apologize for any frustration you may have experienced as a result of this matter.After a thorough investigation, our records indicate that a statement was issued on October 18, 2015, indicating a balance of $1,722.76 with a minimum payment of $86.00, due by November 13, 2015. As no payments were received by the November or December 2015 due dates, late fees and finance charges were assessed to the account, pursuant of the terms outlined in the Credit Card Agreement (CCA).Please note when the Bank’s records show that the minimum payment due has not been received by the due date on an account; we will make attempts to contact you regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempt to communicate is successful.We have noted the above-referenced account to ensure that you are no longer called on the telephone number ending in 5030, per your request. However, the Bank may contact you by mail, or service of court filing, which would be in compliance with state and federal law.Please understand that Comenity Capital Bank and HSN are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping.We contacted HSN on your behalf, regarding the returned merchandise outlined in the previously submitted communication to the Bank. Please see below for a detailed explanation regarding each order.? Order # [redacted]: HSN is unable to confirm the receipt of the Simply Ming 7pc Comfort-Grip Nylon Utensil & Stand Set COBALT BLUE, item [redacted], so no refund is due.? Order # [redacted]: HSN is unable to confirm the receipt of the Ming's Electric Spice Mill Set w/Gourmet Salt & Pepper Blends COBALT BLUE, item [redacted] so no refund is due.? Order # [redacted]: HSN is unable to confirm the receipt of the Simply Ming 7pc Comfort-Grip Nylon Utensil & Stand Set COBALT BLUE, item [redacted], so no refund is due.? Order # [redacted]: HSN verified the receipt of the Nikon COOLPIX 16MP 30X Zoom Full HD Video Wi-Fi Camera RED, item [redacted]. However, HSN has confirmed that you were sent an exchange, order # [redacted]. HSN is unable to confirm the receipt of the exchanged merchandise, item [redacted] so no refund is due. Please note, when a customer orders merchandise from HSN, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling. When the merchandise is returned, the HSN account is credited for the merchandise and the applicable sales tax.Should you have further questions regarding merchandise that you believe was returned to HSN, you must contact HSN’s corporate office directly at ###-###-####, or you may write to, HSN,[redacted]As of the date of this letter, your HSN account has an outstanding balance of $1,837.12, with a minimum payment of $258.00, due by January 13, 2016. The account is currently two billing cycles past due. Should an account exceed six consecutive billing cycles past due, the account will be closed, written off, and reported to the national credit-reporting agencies as an unpaid debt.We have enclosed copies of the billing statements from December 2014 through December 2015, for your review.If you are experiencing difficulty making your payments due to unforeseen circumstances, we may be able to help. You may be eligible for enrollment in our Customer Hardship Program. This program provides customers with six to twelve months of special terms in order to bring and keep the account current. If you are interested in obtaining information on whether your HSN account qualifies for this program, or to discuss your intentions regarding the account, please contact a Payment Solutions representative at ###-###-####.We hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Lauren S[redacted]CC: Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Bergner’s credit card. We are here to answer your questionsand assist with your concerns.We understand from your complaint that there was a credit balance on your account in the...
amountof $100.00. You state that you have contacted the Bank multiple times in regards to the refundcheck that you never received. Furthermore, you are requesting to have a new refund checkissued to you.We have reviewed your account and would like to provide you with the following information. OnSeptember 26, 2016, a refund check was requested for the credit balance on your account in theamount of $101.56. On September 27, 2016, we mailed a check to your attention to the followingaddress; [redacted] Road, Springfield, IL 62711, which was the address on youraccount at the time. The check was cashed through US Bank on October 17, 2016, bearing yoursignature on the endorsement line. We have verified that we sent the funds to US Bank to coverthat check on October 19, 2016, as such, we respectfully decline to issue another refund check.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
These were withdrawals by Comenity Bank from my [redacted] checking account for which services were never performed. I did not benefit from the alleged services. I request a full refund of $2,009. 20
Regards,
[redacted]