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]
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]
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]
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**
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]
January 13, 2017 [redacted]
* RE: [redacted] Dear Mr. [redacted]: ...
Comenity Bank has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that fraudulent charges were placed on your account before you received your card, and when you contacted the bank you were advised that the bill had been paid and there was a credit balance on the account. You are requesting to get the account straightened out so that you can pay your bill and not have your credit score impacted. We apologize for the inconvenience this situation may have caused you. Please be advised that on November 27, 2016, the [redacted]® account was closed due to a pending fraud investigation; Fraud Case #[redacted]. Please allow 90 days for the investigation to be completed, as explained in both the Billing Rights Summary and the Credit Card Agreement. Please be assured, while your account is being investigated, your account will not be reported as delinquent. The fraud investigator will respond to you in writing once the investigation has been completed, and you will be sent a statement for the purchases you are responsible for. In the meantime, should you have any other questions or concerns regarding this account, you may contact the Account Protection (Fraud) Team directly by calling toll free ###-###-####. They would be happy to assist you. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at [redacted]. Sincerely, [redacted] Tell us why here...
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
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 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
Dear staff I took the offer from the customer care team where they established they will close the account with what I have paid with is what it was suppose to be done as the account was paid in full. However the recovery team wants me to pay 87.18 in order to stop further collections to which I do not agree. I do not have to pay that account two or three times at all. I will disregard this notice from them. As a matter of facts what I will do is send them a reply with the copies of their customer care team to leave me alone and in peace and to not bother me any bother any more. It surely has been hell dealing with commenity bank and Jessica London an account that I even hardly used. Best regards; [redacted]###-###-####
I still haven't been able to sign in to an account. I did call Comentity Bank and Paid $37 which is the $29.95 with interest. So, that was 2-3 days ago, so as the letter reads "they have not received a payment" is a lie. The payment was in the form of a debit card from [redacted]
Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assist with your concerns. In your correspondence, you state you have been...
charged multiple late fees. You attempted to use the website and automated phone service while in the hospital and were unsuccessful. You state you have received poor customer service when you have spoken to representatives, and would like the late fees refunded. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. After further review, there have been no outages that would have prevented you from paying online or through the automated phone system. We do not show any attempts at logging into Account Center or any phone calls received until after your due date. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Bank records indicate we issued late fee adjustments of $20.00 on October 10, 2016, and $15.00 on April 6, 2017. We are unwilling to credit any additional late fees at this time. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Alyson F[redacted]
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 [redacted]:Comenity Bank (Bank) has received your additional correspondence regarding the above referencedaccount. Comenity Bank issues the Kay Jewelers 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 dated February6, 2018.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,Rosa M[redacted]Compliance Dept. – Consumer ResponsesEnclosurecc: Revdex.com
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the My BJ’s Perks MasterCard credit card accounts. We are here to answer yourquestions and assist with your concerns.In the correspondence, you state that your mother...
opened up an account and she did not receive the billingstatement; therefore, the account was charged a late fee. You further state that, although it was not your fault,you paid the whole balance to avoid further issues. However, in January 2018, you received another bill showingthat your previous payments were late. You state that you contacted the Bank and were advised that the previouspayment was late, which you were not aware of, because you had not received any statements. You arerequesting that the Bank issue a refund of $100.00. We understand your concerns and apologize for anyinconvenience or frustration this matter may have caused you.We would like to assist you in resolving this matter. Unfortunately, we are unable to locate the account you arereferencing in your correspondence based on the information provided. In order to investigate your concerns,please provide the account number, copies of the billing statements, and/or a copy of your mother’s creditbureau report showing the account.Once this information has been received, we will be able to further investigate. Please send this informationto my attention at the address shown above.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at (800) 820-8932.Sincerely,Jenny V[redacted]Compliance Dept. – Consumer Responses
[redacted]
[redacted]
Hello,Thank you for your inquiry. Your reference number is [redacted]
We will reply to your email providing an update and/or resolution of your issue. Please understand that it may take 2-3 business days to resolve the issue.Please reply to this email with any additional questions related to your inquiry.Sincerely,Consumer Support Group
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Talbots credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that you opened the...
Talbots credit card and when you received your statement, you were charged a late fee and interest. You state you called and straightened it out; however, months later you received another statement with a late fee and interest charges. You state you called again and were advised that Comenity Bank bought your account, and you are being harassed by Comenity Bank for payment. You are requesting the Bank admit we made a mistake by buying your account from Talbots, because you no longer owe anything. We apologize for the inconvenience you have experienced regarding this matter. When the account was opened on October 25, 2016, a purchase of $175.64 was applied to your account. Please be advised your Talbots account was opened with Comenity Bank. Comenity Bank is the issuer for all Talbots accounts. The account billed on October 26, 2016, indicating a balance of $175.64, with a $27.00 minimum payment due by November 21, 2016. The required minimum payment was not received by the due date; therefore, a late fee and finance charge were assessed to your account. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. A statement was issued on November 25, 2016, with a balance of $206.41 and a $38.00 minimum payment due by December 21, 2016. A payment of $175.64 was received on December 2, 2016, leaving a remaining balance. Subsequent billing statements were issued and, as no further payments were received, late fees and finance charges continued to accrue. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. Please be advised, on March 16, 2017, all of the previously assessed finance charges and late fees were reversed, and the balance on your account is zero. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H[redacted]
Dear [redacted]:We have received your complaint regarding the above-referenced account. Comenity Capital Bank issues Lending Club Patient Solutions credit accounts, and we are here to help with any 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.Your complaint states that you have received threatening phone calls regarding your account and you further state that there is negative payment history reporting on your credit report. You feel this is not accurate as you state that your account is current. You are requesting that your credit report be updated to show the account as current, and for the calls to stop. I understand the concerns mentioned in your complaint and I apologize for any inconvenience or frustration this may have caused you.The Bank has reviewed the issues in your complaint, as well as 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; however, we found no evidence of the treatment you described. Comenity Capital Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met.We have updated your account so that you will no longer receive telephone calls at the number ending in [redacted]. If you are receiving calls at another number, please contact me so I can update our records.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 the accountholder 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 the customer until our attempt to communicate is successful.Bank records indicate that the due date on your account is the 19th of each month. As a result of payments not being made by the due date, or for less than the minimum payment required, a late fee was assessed to your account for the months of March 2015, April 2015, May 2015, and June 2015. Furthermore, for the month of April 2015, your account became two billing periods behind, which caused your account to be reported as 30-days delinquent.Comenity Capital Bank is obligated to report factual information to the credit-reporting agencies. We have found no billing errors on your account, and we believe the information provided is accurate.As of today, the balance on your account is $3,950.87. In addition, your account is currently one billing period past due. Please be advised, if the Lending Club account exceeds six billing periods past due, per federal regulations, the account balance would write-off and be reported as an unpaid debt to the national credit-reporting agencies. A write-off account can remain on your credit bureau report for seven years.I hope that the information provided is helpful. Should you have any additional questions or concerns regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues Victoria’s Secret Angel credit card accounts. We are here to answer your questions and assist with your concerns. Your complaint states that you had not received your $30.00 reward card that was sent in December 2016. You further state that you contacted the Bank regarding your reward card and were advised that it would be expedited; however, you have now been advised that the reward card was not expedited. Furthermore, you contacted the Bank and requested to have the interest on your account waived, and this request was denied. You are requesting that the $30.00 reward card be expedited to you or a gift card be emailed to you. In addition, you are requesting that the Bank issue a credit for 2-3 months’ worth of interest. I understand your concerns and apologize for any inconvenience or frustration this may have caused you. Our records indicate that a request was submitted to have a new reward card issued to you. Please be advised that it can take 4-7 weeks to receive the reward card. Please also be advised that when a new reward card is requested to be sent because it was lost, stolen, or expired, the Bank submits the request, and the card is then sent via postal mail. We apologize you were advised that the card would be expedited. Please be aware that a $30.00 reward card was issued to you on March 8, 2017. Please be advised that when the balance on an account is not paid in full by the end of the billing period, the account is assessed a finance charge as indicated in the Credit Card Agreement.. Our records further indicate that you did not pay your account balance in full; therefore, finance charges were assessed to your account. Comenity Bank has not found any billing errors and we are unwilling to waive any fees, as they are valid. I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Jenny W[redacted] cc: 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]
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]
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]
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**
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]
January 13, 2017 [redacted]
* RE: [redacted] Dear Mr. [redacted]: ...
Comenity Bank has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that fraudulent charges were placed on your account before you received your card, and when you contacted the bank you were advised that the bill had been paid and there was a credit balance on the account. You are requesting to get the account straightened out so that you can pay your bill and not have your credit score impacted. We apologize for the inconvenience this situation may have caused you. Please be advised that on November 27, 2016, the [redacted]® account was closed due to a pending fraud investigation; Fraud Case #[redacted]. Please allow 90 days for the investigation to be completed, as explained in both the Billing Rights Summary and the Credit Card Agreement. Please be assured, while your account is being investigated, your account will not be reported as delinquent. The fraud investigator will respond to you in writing once the investigation has been completed, and you will be sent a statement for the purchases you are responsible for. In the meantime, should you have any other questions or concerns regarding this account, you may contact the Account Protection (Fraud) Team directly by calling toll free ###-###-####. They would be happy to assist you. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at [redacted]. Sincerely, [redacted] Tell us why here...
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
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 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
Dear staff I took the offer from the customer care team where they established they will close the account with what I have paid with is what it was suppose to be done as the account was paid in full. However the recovery team wants me to pay 87.18 in order to stop further collections to which I do not agree. I do not have to pay that account two or three times at all. I will disregard this notice from them. As a matter of facts what I will do is send them a reply with the copies of their customer care team to leave me alone and in peace and to not bother me any bother any more. It surely has been hell dealing with commenity bank and Jessica London an account that I even hardly used. Best regards; [redacted]###-###-####
I still haven't been able to sign in to an account. I did call Comentity Bank and Paid $37 which is the $29.95 with interest. So, that was 2-3 days ago, so as the letter reads "they have not received a payment" is a lie. The payment was in the form of a debit card from [redacted]
Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assist with your concerns. In your correspondence, you state you have been...
charged multiple late fees. You attempted to use the website and automated phone service while in the hospital and were unsuccessful. You state you have received poor customer service when you have spoken to representatives, and would like the late fees refunded. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. After further review, there have been no outages that would have prevented you from paying online or through the automated phone system. We do not show any attempts at logging into Account Center or any phone calls received until after your due date. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Bank records indicate we issued late fee adjustments of $20.00 on October 10, 2016, and $15.00 on April 6, 2017. We are unwilling to credit any additional late fees at this time. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Alyson F[redacted]
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 [redacted]:Comenity Bank (Bank) has received your additional correspondence regarding the above referencedaccount. Comenity Bank issues the Kay Jewelers 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 dated February6, 2018.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,Rosa M[redacted]Compliance Dept. – Consumer ResponsesEnclosurecc: Revdex.com
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the My BJ’s Perks MasterCard credit card accounts. We are here to answer yourquestions and assist with your concerns.In the correspondence, you state that your mother...
opened up an account and she did not receive the billingstatement; therefore, the account was charged a late fee. You further state that, although it was not your fault,you paid the whole balance to avoid further issues. However, in January 2018, you received another bill showingthat your previous payments were late. You state that you contacted the Bank and were advised that the previouspayment was late, which you were not aware of, because you had not received any statements. You arerequesting that the Bank issue a refund of $100.00. We understand your concerns and apologize for anyinconvenience or frustration this matter may have caused you.We would like to assist you in resolving this matter. Unfortunately, we are unable to locate the account you arereferencing in your correspondence based on the information provided. In order to investigate your concerns,please provide the account number, copies of the billing statements, and/or a copy of your mother’s creditbureau report showing the account.Once this information has been received, we will be able to further investigate. Please send this informationto my attention at the address shown above.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at (800) 820-8932.Sincerely,Jenny V[redacted]Compliance Dept. – Consumer Responses
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Hello,Thank you for your inquiry. Your reference number is [redacted]
We will reply to your email providing an update and/or resolution of your issue. Please understand that it may take 2-3 business days to resolve the issue.Please reply to this email with any additional questions related to your inquiry.Sincerely,Consumer Support Group
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Talbots credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that you opened the...
Talbots credit card and when you received your statement, you were charged a late fee and interest. You state you called and straightened it out; however, months later you received another statement with a late fee and interest charges. You state you called again and were advised that Comenity Bank bought your account, and you are being harassed by Comenity Bank for payment. You are requesting the Bank admit we made a mistake by buying your account from Talbots, because you no longer owe anything. We apologize for the inconvenience you have experienced regarding this matter. When the account was opened on October 25, 2016, a purchase of $175.64 was applied to your account. Please be advised your Talbots account was opened with Comenity Bank. Comenity Bank is the issuer for all Talbots accounts. The account billed on October 26, 2016, indicating a balance of $175.64, with a $27.00 minimum payment due by November 21, 2016. The required minimum payment was not received by the due date; therefore, a late fee and finance charge were assessed to your account. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. A statement was issued on November 25, 2016, with a balance of $206.41 and a $38.00 minimum payment due by December 21, 2016. A payment of $175.64 was received on December 2, 2016, leaving a remaining balance. Subsequent billing statements were issued and, as no further payments were received, late fees and finance charges continued to accrue. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. Please be advised, on March 16, 2017, all of the previously assessed finance charges and late fees were reversed, and the balance on your account is zero. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H[redacted]
Dear [redacted]:We have received your complaint regarding the above-referenced account. Comenity Capital Bank issues Lending Club Patient Solutions credit accounts, and we are here to help with any 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.Your complaint states that you have received threatening phone calls regarding your account and you further state that there is negative payment history reporting on your credit report. You feel this is not accurate as you state that your account is current. You are requesting that your credit report be updated to show the account as current, and for the calls to stop. I understand the concerns mentioned in your complaint and I apologize for any inconvenience or frustration this may have caused you.The Bank has reviewed the issues in your complaint, as well as 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; however, we found no evidence of the treatment you described. Comenity Capital Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met.We have updated your account so that you will no longer receive telephone calls at the number ending in [redacted]. If you are receiving calls at another number, please contact me so I can update our records.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 the accountholder 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 the customer until our attempt to communicate is successful.Bank records indicate that the due date on your account is the 19th of each month. As a result of payments not being made by the due date, or for less than the minimum payment required, a late fee was assessed to your account for the months of March 2015, April 2015, May 2015, and June 2015. Furthermore, for the month of April 2015, your account became two billing periods behind, which caused your account to be reported as 30-days delinquent.Comenity Capital Bank is obligated to report factual information to the credit-reporting agencies. We have found no billing errors on your account, and we believe the information provided is accurate.As of today, the balance on your account is $3,950.87. In addition, your account is currently one billing period past due. Please be advised, if the Lending Club account exceeds six billing periods past due, per federal regulations, the account balance would write-off and be reported as an unpaid debt to the national credit-reporting agencies. A write-off account can remain on your credit bureau report for seven years.I hope that the information provided is helpful. Should you have any additional questions or concerns regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues Victoria’s Secret Angel credit card accounts. We are here to answer your questions and assist with your concerns. Your complaint states that you had not received your $30.00 reward card that was sent in December 2016. You further state that you contacted the Bank regarding your reward card and were advised that it would be expedited; however, you have now been advised that the reward card was not expedited. Furthermore, you contacted the Bank and requested to have the interest on your account waived, and this request was denied. You are requesting that the $30.00 reward card be expedited to you or a gift card be emailed to you. In addition, you are requesting that the Bank issue a credit for 2-3 months’ worth of interest. I understand your concerns and apologize for any inconvenience or frustration this may have caused you. Our records indicate that a request was submitted to have a new reward card issued to you. Please be advised that it can take 4-7 weeks to receive the reward card. Please also be advised that when a new reward card is requested to be sent because it was lost, stolen, or expired, the Bank submits the request, and the card is then sent via postal mail. We apologize you were advised that the card would be expedited. Please be aware that a $30.00 reward card was issued to you on March 8, 2017. Please be advised that when the balance on an account is not paid in full by the end of the billing period, the account is assessed a finance charge as indicated in the Credit Card Agreement.. Our records further indicate that you did not pay your account balance in full; therefore, finance charges were assessed to your account. Comenity Bank has not found any billing errors and we are unwilling to waive any fees, as they are valid. I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Jenny W[redacted] cc: Revdex.com