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).
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 provided evidence where it demonstrate as shown on the letter dated September 15 , 2015 to address [redacted] ** & that's proof that bank maded error or manipulated system . As shown credit card was open May 18 2015 & bank was notified on multiple occasions that credit card was never received & I never authorized any charges , however bank claims purchases were made online & stores but bank did not provide factual evidence of IP address , signature , etc . Also , how did bank / west elm delivered merchandise as they are claiming to [redacted] ** address sometimes in July? If so that means bank knew correct address & why credit card was open for months & not shut down ? Bank failed big time , they are practicing fraudelant business & manipulates the federal agencies , they know they are wrong & bank actions are so illegal ! Bank must be hold accountable regarding this case & it will be done so in the court of law . Bank claims their position remains ' unchanged ' guess what mine too ! Revdex.com look up the reviews of former & current consumers , it shows how comenity bank violated & manipulated its clients , all reviews are accurate &99% negative , more than 750 consumers filed complaints against comenity bank with different government agencies ! We are done here . I simply have no time to waste & this case must go on in the court of law [redacted]
I have made 3 consecutive payments of $25 to an Avenue store in person on my credit card account here in [redacted] back in October, November and December of 2016. I have spoken with a representative from [redacted] and they informed me that they have not received my payments. I've spoken with customer service from Comenity Bank-Avenue and they're saying they have no record of my payments that was made. I have my receipts showing I made the payments in the store on the 25th of those months. I would like for someone to find my payments totaling $75. I don't have money to give away.
Regards, [redacted]
[redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the HSN credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you purchased six items on February 28, 2017, using the HSN credit card account. You state you returned these items on March 15, 2017, utilizing the included United States Postal Service (USPS), shipping label. After reviewing your May 2017 billing statement you noticed the items had not been credited and a late fee was assessed. You contacted the Bank and were informed there were no returns in the system, so you contacted HSN, who informed you there was a clerical issue and you would see a credit for the items in 72 hours. You received a letter dated May 15, 2017, from HSN indicating only one of the six items was returned and credited to the account; however, all items were returned together. You contacted HSN, who manually updated the system to show all items were returned; however, the credits would not post for 3-5 business days. You conferenced the Bank, and were advised to pay the balance in full, and wait for the returns to post to the system. You request all late fees and finance charges be returned to you, a letter confirming a zero balance, and a letter to the credit bureaus explaining the solution. I am happy to share my findings. Please note that HSN and Comenity Capital Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. HSN is responsible for handling matters related to sales, merchandise processing, returns and shipping. Bank records indicate the account was opened on July 22, 2016. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicates your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. When payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. A billing statement was issued February 13, 2017, with a balance of $150.07 and a minimum payment of $27.00 due by March 11, 2017. Due to no payment posting by the due date, a late fee and finance charge were assessed to the balance. A billing statement was issued March 16, 2017, with a balance of $219.51 and a minimum payment of $27.00 due by April 11, 2017. Due to no payment posting by the due date, a late fee and finance charge were assessed to the account. On May 11, 2017, the Bank representative credited the account $15.00 for the previously assessed late fee. We respectfully decline your request for a refund of the remaining Bank fees. When you spoke with the Bank on May 24, 2017, the representative suggested you pay the minimum due to avoid a late fee, and if it was feasible, to pay the balance in full to avoid interest. We reached out to HSN regarding the error you mentioned in your complaint. They informed us that you called on May 11, 2017, stating you returned item# [redacted] using the EZ return label. The service representative initiated a return on order number [redacted] only, as there was no mention of any other orders being included in that package. The representative issued a manual refund on May 12, 2017. Additionally, you contacted HSN on May 24, 2017, regarding the other five orders, and the representative issued a manual refund on this day for those. HSN states the package didn’t make it back to the warehouse, and there are no comments or activity on the orders from USPS. Please note, with the return credits and the payment made on June 11, 2017, for $26.65, the balance is zero. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. Please be assured no derogatory information has been reported regarding the account. You may share this letter with the credit agencies. 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] Kaija M[redacted] Compliance Dept. – Consumer Responses
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
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]
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]
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
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
Dear [redacted]We
received your complaint, addressed to the Revdex.com, regarding the
account referenced above. Comenity Bank
issues Z Gallerie® 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 $100.00
reward certificate that was sent to you on May 3, 2014, that was never received. I apologize for any inconvenience this matter
may have caused you.We
understand your continued frustration regarding this matter and the many
contacts made to the Bank regarding this matter. Since you still have not received the reward
certificate, after adjustments have been completed to generate a new reward; to
rectify this situation, a $100.00 credit has been applied to your account as a
one-time courtesy. You may use this
credit towards a new purchase from Z Gallerie. Please be advised, if the credit remains on your account for two billing
periods, a refund check will be mailed to you.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]
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]
We received your complaint, addressed to the Revdex.com, regarding the account referComenity Bank issues RH credit card accounts, and we respond to all credit-related inquiries. Ywere forwarded to my attention, and I appreciate the opportunity to assist you.We understand that you...
recently filed a Revdex.com, complaint regarding interest chargedRH credit card account. You state that you feel you have been scammed as you were not allowedpayments to your plan of choice. You have requested that fees assessed to your credit card accourOur records indicate that a purchase of $5,253.49 was charged to the account on October 27, 2purchase was billed to the 365 day deferred interest payment required plan. This plan expired on2016. A purchase of $1,574.34 was charged to your account on November 27. 2015, and this was arevolving plan. However, on May 28, 2016, in response to a dispute received, this purchase was365 day deferred interest payment required plan which expired on November 27, 2016. The last paymentto your account was on December 12, 2015, for $338.55. This purchase was also billed to the 365interest payment required plan and is due to expire on December 12, 2016. As agreed at the timeno interest would be assessed to the account should the balance be paid in full as of the scheduleddate. The information was provided on all billing statements provided to you by Comenity Bank.As each of the plans billed to your account, have a minimum payment due, when your paymentsthey are distributed amongst all plans on your account.Enclosed are copies of the previous statements. Each billing statement advised that should the bapaid in full, accrued finance charges dating back to the original date of purchase, wold be assaccount, On October 27, 2016, as the promotional balance was not paid in full, finance charges totalwere assessed to the account. When your account bills on December 2, 2016, additional financebe assessed to your account as a balance remained unpaid on your plan that expired on NovembThe fees are valid, and we are unwilling to issue credit for the finance charges that have been assePlease note that the address currently Iisted on your RH credit card account is [redacted] Avenuewould like to update this to reflect the address listed above, please contact our Customer Care Dep###-###-####.We appreciate your business and value you as our customer. If you have any questions or concelyour account, please feel free to contact me at ###-###-####, ext. [redacted] be happy to assist you.Sincerely,
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 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]
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 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]
Because they are lying!!! It has nothing to do with my Complaint!!! Did anyone even read it???!!! I paid my bill in full early!!! THEY HELD MY CHECK & CASHED IT AFTER IT WAS DO!!! CROOKS WHO STEAL PEOPLES MONEY!!! AND I WANT WHAT THEY STOLE FROM ME BACK!!! [redacted]
Dear Ms. [redacted]Thank you for your recent complaint regarding the account noted above. Comenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcerns. Your complaint, addressed to the Revdex.com, was forwarded to myattention and...
I appreciate the opportunity to assist you.I understand from your complaint, you had a monthly payment arrangement of $68.00 withComenity Bank to pay off your debt for the above mentioned account. Due to circumstancesoutside of your control, you have been unable to maintain the previous payment arrangement.You contacted Comenity Bank and reached a representative by the name of Mr. H[redacted],code # 108030, who you felt was very rude and aggressive. While speaking to Mr. H[redacted],you questioned if there were payment programs which provided a lower monthly paymentandfor temporary suspension of payments. When discussing the account, Mr. H[redacted]asked if you could borrow the requested amount from a family member to keep yourcommitment to Comenity Bank. You felt Mr. H[redacted] was unwilling to help and you wouldlike a different representative to assist you with an agreeable payment arrangement.We apologize if you felt that you did not receive the best customer service. It is never theBank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank iscommitted to providing the best customer service and is disappointed when a customer feelsthat this standard was not met.Bank records indicate the account was charged off, due to non-payment, on November 7, 2014,with a balance of $819.84.In December 2014, you worked with our Recovery team and agreed to a repayment schedule of$68.32 per month to resolve the balance. On April 20, 2015, you contacted our Recovery teamand stated you lost your job, and needed to cancel any pending payments. All pendingpayments were cancelled at that time. On May 7, 2015, you contacted our Recovery team andstated you were working again and wanted to schedule payments. You asked for a lowerpayment amount and were advised we were unable to accept less than $68.32 each month.Payments were scheduled, and a payment of $68.32 posted to your account on May 30, 2015.You called on June 24, 2015, and advised that your work hours had been reduced, and youneeded to cancel your pending payments. You were advised that if the payments werecancelled, the full balance would be due on the account.Please be advised that all pending payments were again cancelled. As of today's date, theaccount balance is $478.24.We encourage you to contact our Recovery team at ###-###-#### (TDDflTY ###-###-####) to see what payment options may be available. They would be happy to assist you.Sincerely,Geanine M[redacted]
Dear [redacted] We received your 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 questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to assist you. You state in your complaint that you do not owe the outstanding balance of $647.00 on the above-noted account, and that you owe HSN one payment of $15.99 due by April 6, 2015. You believe the Bank has made an error in applying returned credits or payments to the account. As such, you are requesting an itemized list of all account-related transactions applied to your HSN credit card account, an apology from Comenity Capital Bank, and confirmation that account is paid in full with a zero balance. We understand your concerns, and we sincerely apologize for any inconvenience or frustration you may have experienced due to the matter. 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 transactions applied to the above-referenced account. Their records indicate that a total of 47 orders were applied to your HSN credit card account between January 7, 2015, and March 26, 2015; however, 28 of the 47 orders were returned to HSN, and credits were issued for the returned merchandise to the above-noted account. Please understand when merchandise is returned, HSN issues credit towards your account for the merchandise, sales tax and if applicable, Return Label costs. HSN does not refund shipping and handling or Return Label costs when applicable. These charges will remain part of your balance due. Furthermore, HSN confirmed that [redacted] is listed as a joint user under your customer profile ID number ending in [redacted]; as such, we recommend that you speak with [redacted] directly regarding any orders that he may have placed using your customer profile ID number. If you believe any of [redacted]’s orders were inadvertently applied to your HSN credit card account, please contact me at the telephone number listed below. For your reference, I have enclosed copies of the monthly billing statements which outline the statement activity; including purchases, returns and payments applied to the HSN credit card account from December 2013 to present. Lastly, our records indicate that a payment of $622.70 was received on April 6, 2015. Please be assured, the account balance on HSN is zero. Although you have closed the above-referenced account, we hope that you continue to shop with HSN. 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, [redacted] Consumer Relations Specialist
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).
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 provided evidence where it demonstrate as shown on the letter dated September 15 , 2015 to address [redacted] ** & that's proof that bank maded error or manipulated system . As shown credit card was open May 18 2015 & bank was notified on multiple occasions that credit card was never received & I never authorized any charges , however bank claims purchases were made online & stores but bank did not provide factual evidence of IP address , signature , etc . Also , how did bank / west elm delivered merchandise as they are claiming to [redacted] ** address sometimes in July? If so that means bank knew correct address & why credit card was open for months & not shut down ? Bank failed big time , they are practicing fraudelant business & manipulates the federal agencies , they know they are wrong & bank actions are so illegal ! Bank must be hold accountable regarding this case & it will be done so in the court of law . Bank claims their position remains ' unchanged ' guess what mine too ! Revdex.com look up the reviews of former & current consumers , it shows how comenity bank violated & manipulated its clients , all reviews are accurate &99% negative , more than 750 consumers filed complaints against comenity bank with different government agencies ! We are done here . I simply have no time to waste & this case must go on in the court of law [redacted]
I have made 3 consecutive payments of $25 to an Avenue store in person on my credit card account here in [redacted] back in October, November and December of 2016. I have spoken with a representative from [redacted] and they informed me that they have not received my payments. I've spoken with customer service from Comenity Bank-Avenue and they're saying they have no record of my payments that was made. I have my receipts showing I made the payments in the store on the 25th of those months. I would like for someone to find my payments totaling $75. I don't have money to give away.
Regards, [redacted]
Dear...
[redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the HSN credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you purchased six items on February 28, 2017, using the HSN credit card account. You state you returned these items on March 15, 2017, utilizing the included United States Postal Service (USPS), shipping label. After reviewing your May 2017 billing statement you noticed the items had not been credited and a late fee was assessed. You contacted the Bank and were informed there were no returns in the system, so you contacted HSN, who informed you there was a clerical issue and you would see a credit for the items in 72 hours. You received a letter dated May 15, 2017, from HSN indicating only one of the six items was returned and credited to the account; however, all items were returned together. You contacted HSN, who manually updated the system to show all items were returned; however, the credits would not post for 3-5 business days. You conferenced the Bank, and were advised to pay the balance in full, and wait for the returns to post to the system. You request all late fees and finance charges be returned to you, a letter confirming a zero balance, and a letter to the credit bureaus explaining the solution. I am happy to share my findings. Please note that HSN and Comenity Capital Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. HSN is responsible for handling matters related to sales, merchandise processing, returns and shipping. Bank records indicate the account was opened on July 22, 2016. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicates your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. When payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. A billing statement was issued February 13, 2017, with a balance of $150.07 and a minimum payment of $27.00 due by March 11, 2017. Due to no payment posting by the due date, a late fee and finance charge were assessed to the balance. A billing statement was issued March 16, 2017, with a balance of $219.51 and a minimum payment of $27.00 due by April 11, 2017. Due to no payment posting by the due date, a late fee and finance charge were assessed to the account. On May 11, 2017, the Bank representative credited the account $15.00 for the previously assessed late fee. We respectfully decline your request for a refund of the remaining Bank fees. When you spoke with the Bank on May 24, 2017, the representative suggested you pay the minimum due to avoid a late fee, and if it was feasible, to pay the balance in full to avoid interest. We reached out to HSN regarding the error you mentioned in your complaint. They informed us that you called on May 11, 2017, stating you returned item# [redacted] using the EZ return label. The service representative initiated a return on order number [redacted] only, as there was no mention of any other orders being included in that package. The representative issued a manual refund on May 12, 2017. Additionally, you contacted HSN on May 24, 2017, regarding the other five orders, and the representative issued a manual refund on this day for those. HSN states the package didn’t make it back to the warehouse, and there are no comments or activity on the orders from USPS. Please note, with the return credits and the payment made on June 11, 2017, for $26.65, the balance is zero. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. Please be assured no derogatory information has been reported regarding the account. You may share this letter with the credit agencies. 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] Kaija M[redacted] Compliance Dept. – Consumer Responses
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
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]
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]
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
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
Dear [redacted]We
received your complaint, addressed to the Revdex.com, regarding the
account referenced above. Comenity Bank
issues Z Gallerie® 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 $100.00
reward certificate that was sent to you on May 3, 2014, that was never received. I apologize for any inconvenience this matter
may have caused you.We
understand your continued frustration regarding this matter and the many
contacts made to the Bank regarding this matter. Since you still have not received the reward
certificate, after adjustments have been completed to generate a new reward; to
rectify this situation, a $100.00 credit has been applied to your account as a
one-time courtesy. You may use this
credit towards a new purchase from Z Gallerie. Please be advised, if the credit remains on your account for two billing
periods, a refund check will be mailed to you.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]
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]
We received your complaint, addressed to the Revdex.com, regarding the account referComenity Bank issues RH credit card accounts, and we respond to all credit-related inquiries. Ywere forwarded to my attention, and I appreciate the opportunity to assist you.We understand that you...
recently filed a Revdex.com, complaint regarding interest chargedRH credit card account. You state that you feel you have been scammed as you were not allowedpayments to your plan of choice. You have requested that fees assessed to your credit card accourOur records indicate that a purchase of $5,253.49 was charged to the account on October 27, 2purchase was billed to the 365 day deferred interest payment required plan. This plan expired on2016. A purchase of $1,574.34 was charged to your account on November 27. 2015, and this was arevolving plan. However, on May 28, 2016, in response to a dispute received, this purchase was365 day deferred interest payment required plan which expired on November 27, 2016. The last paymentto your account was on December 12, 2015, for $338.55. This purchase was also billed to the 365interest payment required plan and is due to expire on December 12, 2016. As agreed at the timeno interest would be assessed to the account should the balance be paid in full as of the scheduleddate. The information was provided on all billing statements provided to you by Comenity Bank.As each of the plans billed to your account, have a minimum payment due, when your paymentsthey are distributed amongst all plans on your account.Enclosed are copies of the previous statements. Each billing statement advised that should the bapaid in full, accrued finance charges dating back to the original date of purchase, wold be assaccount, On October 27, 2016, as the promotional balance was not paid in full, finance charges totalwere assessed to the account. When your account bills on December 2, 2016, additional financebe assessed to your account as a balance remained unpaid on your plan that expired on NovembThe fees are valid, and we are unwilling to issue credit for the finance charges that have been assePlease note that the address currently Iisted on your RH credit card account is [redacted] Avenuewould like to update this to reflect the address listed above, please contact our Customer Care Dep###-###-####.We appreciate your business and value you as our customer. If you have any questions or concelyour account, please feel free to contact me at ###-###-####, ext. [redacted] be happy to assist you.Sincerely,
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 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]
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 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]
Because they are lying!!! It has nothing to do with my Complaint!!! Did anyone even read it???!!! I paid my bill in full early!!! THEY HELD MY CHECK & CASHED IT AFTER IT WAS DO!!! CROOKS WHO STEAL PEOPLES MONEY!!! AND I WANT WHAT THEY STOLE FROM ME BACK!!! [redacted]
Dear Ms. [redacted]Thank you for your recent complaint regarding the account noted above. Comenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcerns. Your complaint, addressed to the Revdex.com, was forwarded to myattention and...
I appreciate the opportunity to assist you.I understand from your complaint, you had a monthly payment arrangement of $68.00 withComenity Bank to pay off your debt for the above mentioned account. Due to circumstancesoutside of your control, you have been unable to maintain the previous payment arrangement.You contacted Comenity Bank and reached a representative by the name of Mr. H[redacted],code # 108030, who you felt was very rude and aggressive. While speaking to Mr. H[redacted],you questioned if there were payment programs which provided a lower monthly paymentandfor temporary suspension of payments. When discussing the account, Mr. H[redacted]asked if you could borrow the requested amount from a family member to keep yourcommitment to Comenity Bank. You felt Mr. H[redacted] was unwilling to help and you wouldlike a different representative to assist you with an agreeable payment arrangement.We apologize if you felt that you did not receive the best customer service. It is never theBank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank iscommitted to providing the best customer service and is disappointed when a customer feelsthat this standard was not met.Bank records indicate the account was charged off, due to non-payment, on November 7, 2014,with a balance of $819.84.In December 2014, you worked with our Recovery team and agreed to a repayment schedule of$68.32 per month to resolve the balance. On April 20, 2015, you contacted our Recovery teamand stated you lost your job, and needed to cancel any pending payments. All pendingpayments were cancelled at that time. On May 7, 2015, you contacted our Recovery team andstated you were working again and wanted to schedule payments. You asked for a lowerpayment amount and were advised we were unable to accept less than $68.32 each month.Payments were scheduled, and a payment of $68.32 posted to your account on May 30, 2015.You called on June 24, 2015, and advised that your work hours had been reduced, and youneeded to cancel your pending payments. You were advised that if the payments werecancelled, the full balance would be due on the account.Please be advised that all pending payments were again cancelled. As of today's date, theaccount balance is $478.24.We encourage you to contact our Recovery team at ###-###-#### (TDDflTY ###-###-####) to see what payment options may be available. They would be happy to assist you.Sincerely,Geanine M[redacted]
Dear [redacted] We received your 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 questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to assist you. You state in your complaint that you do not owe the outstanding balance of $647.00 on the above-noted account, and that you owe HSN one payment of $15.99 due by April 6, 2015. You believe the Bank has made an error in applying returned credits or payments to the account. As such, you are requesting an itemized list of all account-related transactions applied to your HSN credit card account, an apology from Comenity Capital Bank, and confirmation that account is paid in full with a zero balance. We understand your concerns, and we sincerely apologize for any inconvenience or frustration you may have experienced due to the matter. 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 transactions applied to the above-referenced account. Their records indicate that a total of 47 orders were applied to your HSN credit card account between January 7, 2015, and March 26, 2015; however, 28 of the 47 orders were returned to HSN, and credits were issued for the returned merchandise to the above-noted account. Please understand when merchandise is returned, HSN issues credit towards your account for the merchandise, sales tax and if applicable, Return Label costs. HSN does not refund shipping and handling or Return Label costs when applicable. These charges will remain part of your balance due. Furthermore, HSN confirmed that [redacted] is listed as a joint user under your customer profile ID number ending in [redacted]; as such, we recommend that you speak with [redacted] directly regarding any orders that he may have placed using your customer profile ID number. If you believe any of [redacted]’s orders were inadvertently applied to your HSN credit card account, please contact me at the telephone number listed below. For your reference, I have enclosed copies of the monthly billing statements which outline the statement activity; including purchases, returns and payments applied to the HSN credit card account from December 2013 to present. Lastly, our records indicate that a payment of $622.70 was received on April 6, 2015. Please be assured, the account balance on HSN is zero. Although you have closed the above-referenced account, we hope that you continue to shop with HSN. 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, [redacted] Consumer Relations Specialist