[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
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
: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]
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,
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]
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...
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]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [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 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
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
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues your Victoria's SecretlPlNK credit card account, andwe are here to assist you with all account-related questions. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint that you sent a check by certified mail on December 5,2015. You state someone signed for this check, but when you contacted customer service wedid not have record of the payment, or who signed for the certified mail.Thank you for speaking with me on December 17, 2015. We understand that your complaintdoes not accurately explain your current concerns as your original complaint was handledbefore I spoke with you.We further understand that on November 5, 2015, an in-store payment of $30.00 was notapplied to the account referenced above, and you do not have the receipt for the payment.In the interest of customer service, although we are still unable to locate a $30.00 in storepayment from November 5, 2015, we have processed a $30.00 credit to your above-referencedaccount, as a one time courtesy. In the future, if a payment is not processed to your account, areceipt providing your proof of payment will be required in order to receive credit.The Bank has reviewed the issues in your complaint. We apologize if you felt that you did notreceive the best customer service. It is never the Bank's intention to treat our customers in aless-than-satisfactory manner. Comenity Bank is committed to providing the best customerservice and is disappointed when a customer feels that this standard was not met.We sincerely apologize for the frustration and inconvenience this matter may have caused you.Should you have any further questions or concerns, please do not hesitate to contact me at 1-###-###-####e,x t. [redacted] (TDD!TTY ###-###-####).1 would be happy to assist you.Sincerely,
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Torrid® 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 made a payment of $30.00 on April 17, 2015, at your local retail store and you did not notice until you received a late fee that the payment was not applied to your Torrid® account. You are requesting that the payment be placed on your account and the late fee removed. I am happy to share my findings with you. After a thorough review of the account, I contacted Torrid and advised them that the payment of $30.00 was not applied to your account. Please be assured that a credit of $30.00 for the payment, and a credit of $25.00 for the late fee that was assessed to the account; due to this matter were applied to your account. You should see these credits on your next billing statement which will be issued on June 22, 2015 As of the date of this letter, the account balance is $134.09. 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 regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Ann Taylor credit card. We are here to answer your questionsand assist with your concerns.We previously received and responded to your correspondence submitted to the...
ConsumerFinancial Protection Bureau regarding this same matter. Please find enclosed a copy of ourresponse dated January 12, 2018.Please note, we did not find any instance where an associate agreed to remove the accountand/or delinquency from your credit file.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,Angela L[redacted]Compliance Dept. – Consumer Responses
I received the long drawn out letter that this company has provided, however is it possible toorder a 515.98 purchase when my approved amount was 250.00. also confirming that USPSdelivered this order. There was NO such order, of 515.98 at No time dated for April 6, 2015,mailbox or delivery. This company is not a very good business. So much of this is wrong. I notedthe letter and pointed out what I could understand. One thing my complaint is about the way thisaccount is being handled, from the letter I noticed a lot of mistakes and guesses at the balanceincluding a separate bill from Palm Beach for a bracelet that has already turned colors thisamount of $14.10 is also included on the Woman Within account, my complaint being billeddouble, and it showing up on the account as money owed.I NO longer want to do business with this company under any reason. I will send a $35.00payment on July 4, 2015 and expect my future payments to reflect on this account,, I do notagree with this balance but I will start paying them off to get them out of my business and LIFE,I do not care for this company at all, poor quality and over charging. I completely unsatisfied.I expect my payments to show up reflecting the balance against 265.13. I never saw the firstpayment of 30.00 applied to my account. There will be No more orders or transaction from meon this account, it is in FACT closed, as of this date and as far back as April 6, 2015, this isridiculous. Palm Beach has sent me a letter wanting $14.10, this amount is suppose to beincluded in my bill at Woman Within, I will not Pay A separate Bill. This is another reason Idon't trust this company,BAD BUSNIESS.I will accept this amount of 265.13 and pay it off, I do not wish to continue this hassle, after allyou can not take that which is not yours,, so I will extend my hands in hopes that God will judgethese people and put them on the path they choose and help them, to stop the con that they haveset up. I can pay this amount now, I will increase the payments next mouth to resolve this issue.Sincerely,[redacted]
Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referencedaccount. Comenity Capital Bank issues the Ideal Image VIP credit card. We are here to answeryour questions and assist with your concerns.Your correspondence indicates your concern about the...
finance charges that were assessed toyour account in connection to the purchase you made on a deferred-interest promotional plan.We have reviewed the concerns noted in your correspondence and we would like to provide youwith the following information.The January 14, 2015, purchase for $4,215.00 was placed on a 24-month deferred interestpayment required plan with an expiration date of January 15, 2017. Under the terms of thispromotional plan, interest on the purchase is deferred until the plan expires. This means thatinterest on this purchase was accruing monthly from the original purchase date but was not beingapplied to your account. In order to keep the accrued finance charges from being applied to youraccount, the entire promotional purchase amount needed to be paid in full by the promotionalplan’s expiration date. This promotional purchase was not paid in full by the expiration datementioned above; therefore, the accrued interest was applied to your account. The details of yourpromotional plan, as well as the expiration date, were present on each billing statement.While we understand your concern, after our review of your account, we have determined thebalance is accurate and no adjustments are needed. If you have any questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Shelley A[redacted]
the letter from Comenity references November 2014 and it should be November 2013 as the date I was reported late by Comenity. If Comenity can send me an updated letter to reflect that the 30 day late charge in November 2013 will be removed, the dispute can be resolved. Thank you for your help.
Regards, [redacted]
Dear [redacted]We received a complaint regarding the above-referenced account. Comenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with account-related questions. The complaint, addressed to the Revdex.com, was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns.In order for us to process your dispute and for you to preserve your rights, we require written confirmation regarding the transaction(s) you are disputing. Please complete the form included with this letter.If any information is missing, this form may be returned and no dispute filed. This form must be received at the following address within 30 days from the date on this letter or within 60 days from date of the statement on which the disputed charges appear, whichever is later.Comenity Capital Bank – American Laser SkincarePO Box 182620Columbus, OH 43218-2620If you fail to return the form within the requested time, we will assume that you no longer wish to continue the dispute process, and your complaint will be considered voluntarily withdrawn.We apologize for any inconvenience this matter may have caused you. Should you have any additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]Cardholder Statement of Disputed Item(s)Customer Name: _________________________________________Card Number: ____________________________________________If disputing more than four transactions please provide on separate sheet of paper.Tran Date: ____________Tran Amount $_______________Tran Date: ____________Tran Amount $_______________Tran Date: ____________Tran Amount $_______________Tran Date: ____________Tran Amount $_______________I am disputing the above charges due to the following reason (CHECK ONLY ONE REASON)Cancellations, Returns or Not Received (Choose only one option)_____On (date) _____________ I cancelled the serviceMethod was (check one) _____in writing, ______in person, _____ _by phone, ______ by email_______._____ I did not receive service, that was to be provided on (date)____________Total number of treatment/services you were contracted for:_______________Total number of treatment/services you did not receive:______________Please list any additional information below that may assist us with resolving the dispute.________________________________________________________________________...⇄ (Not valid unless signed):__________________________________Date:_________________Please do not send in any copies of contracts for your treatments.Please return this form to the following address:Comenity Capital Bank- American Laser SkincareP.O. Box 182620 Columbus, OH 43218-2620Cardholder Statement of Disputed Item(s)
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
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
: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]
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,
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]
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...
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]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [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 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
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
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues your Victoria's SecretlPlNK credit card account, andwe are here to assist you with all account-related questions. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint that you sent a check by certified mail on December 5,2015. You state someone signed for this check, but when you contacted customer service wedid not have record of the payment, or who signed for the certified mail.Thank you for speaking with me on December 17, 2015. We understand that your complaintdoes not accurately explain your current concerns as your original complaint was handledbefore I spoke with you.We further understand that on November 5, 2015, an in-store payment of $30.00 was notapplied to the account referenced above, and you do not have the receipt for the payment.In the interest of customer service, although we are still unable to locate a $30.00 in storepayment from November 5, 2015, we have processed a $30.00 credit to your above-referencedaccount, as a one time courtesy. In the future, if a payment is not processed to your account, areceipt providing your proof of payment will be required in order to receive credit.The Bank has reviewed the issues in your complaint. We apologize if you felt that you did notreceive the best customer service. It is never the Bank's intention to treat our customers in aless-than-satisfactory manner. Comenity Bank is committed to providing the best customerservice and is disappointed when a customer feels that this standard was not met.We sincerely apologize for the frustration and inconvenience this matter may have caused you.Should you have any further questions or concerns, please do not hesitate to contact me at 1-###-###-####e,x t. [redacted] (TDD!TTY ###-###-####).1 would be happy to assist you.Sincerely,
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Torrid® 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 made a payment of $30.00 on April 17, 2015, at your local retail store and you did not notice until you received a late fee that the payment was not applied to your Torrid® account. You are requesting that the payment be placed on your account and the late fee removed. I am happy to share my findings with you. After a thorough review of the account, I contacted Torrid and advised them that the payment of $30.00 was not applied to your account. Please be assured that a credit of $30.00 for the payment, and a credit of $25.00 for the late fee that was assessed to the account; due to this matter were applied to your account. You should see these credits on your next billing statement which will be issued on June 22, 2015 As of the date of this letter, the account balance is $134.09. 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 regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Ann Taylor credit card. We are here to answer your questionsand assist with your concerns.We previously received and responded to your correspondence submitted to the...
ConsumerFinancial Protection Bureau regarding this same matter. Please find enclosed a copy of ourresponse dated January 12, 2018.Please note, we did not find any instance where an associate agreed to remove the accountand/or delinquency from your credit file.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,Angela L[redacted]Compliance Dept. – Consumer Responses
I received the long drawn out letter that this company has provided, however is it possible toorder a 515.98 purchase when my approved amount was 250.00. also confirming that USPSdelivered this order. There was NO such order, of 515.98 at No time dated for April 6, 2015,mailbox or delivery. This company is not a very good business. So much of this is wrong. I notedthe letter and pointed out what I could understand. One thing my complaint is about the way thisaccount is being handled, from the letter I noticed a lot of mistakes and guesses at the balanceincluding a separate bill from Palm Beach for a bracelet that has already turned colors thisamount of $14.10 is also included on the Woman Within account, my complaint being billeddouble, and it showing up on the account as money owed.I NO longer want to do business with this company under any reason. I will send a $35.00payment on July 4, 2015 and expect my future payments to reflect on this account,, I do notagree with this balance but I will start paying them off to get them out of my business and LIFE,I do not care for this company at all, poor quality and over charging. I completely unsatisfied.I expect my payments to show up reflecting the balance against 265.13. I never saw the firstpayment of 30.00 applied to my account. There will be No more orders or transaction from meon this account, it is in FACT closed, as of this date and as far back as April 6, 2015, this isridiculous. Palm Beach has sent me a letter wanting $14.10, this amount is suppose to beincluded in my bill at Woman Within, I will not Pay A separate Bill. This is another reason Idon't trust this company,BAD BUSNIESS.I will accept this amount of 265.13 and pay it off, I do not wish to continue this hassle, after allyou can not take that which is not yours,, so I will extend my hands in hopes that God will judgethese people and put them on the path they choose and help them, to stop the con that they haveset up. I can pay this amount now, I will increase the payments next mouth to resolve this issue.Sincerely,[redacted]
Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referencedaccount. Comenity Capital Bank issues the Ideal Image VIP credit card. We are here to answeryour questions and assist with your concerns.Your correspondence indicates your concern about the...
finance charges that were assessed toyour account in connection to the purchase you made on a deferred-interest promotional plan.We have reviewed the concerns noted in your correspondence and we would like to provide youwith the following information.The January 14, 2015, purchase for $4,215.00 was placed on a 24-month deferred interestpayment required plan with an expiration date of January 15, 2017. Under the terms of thispromotional plan, interest on the purchase is deferred until the plan expires. This means thatinterest on this purchase was accruing monthly from the original purchase date but was not beingapplied to your account. In order to keep the accrued finance charges from being applied to youraccount, the entire promotional purchase amount needed to be paid in full by the promotionalplan’s expiration date. This promotional purchase was not paid in full by the expiration datementioned above; therefore, the accrued interest was applied to your account. The details of yourpromotional plan, as well as the expiration date, were present on each billing statement.While we understand your concern, after our review of your account, we have determined thebalance is accurate and no adjustments are needed. If you have any questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Shelley A[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
the letter from Comenity references November 2014 and it should be November 2013 as the date I was reported late by Comenity. If Comenity can send me an updated letter to reflect that the 30 day late charge in November 2013 will be removed, the dispute can be resolved. Thank you for your help.
Regards, [redacted]
Dear [redacted]We received a complaint regarding the above-referenced account. Comenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with account-related questions. The complaint, addressed to the Revdex.com, was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns.In order for us to process your dispute and for you to preserve your rights, we require written confirmation regarding the transaction(s) you are disputing. Please complete the form included with this letter.If any information is missing, this form may be returned and no dispute filed. This form must be received at the following address within 30 days from the date on this letter or within 60 days from date of the statement on which the disputed charges appear, whichever is later.Comenity Capital Bank – American Laser SkincarePO Box 182620Columbus, OH 43218-2620If you fail to return the form within the requested time, we will assume that you no longer wish to continue the dispute process, and your complaint will be considered voluntarily withdrawn.We apologize for any inconvenience this matter may have caused you. Should you have any additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]Cardholder Statement of Disputed Item(s)Customer Name: _________________________________________Card Number: ____________________________________________If disputing more than four transactions please provide on separate sheet of paper.Tran Date: ____________Tran Amount $_______________Tran Date: ____________Tran Amount $_______________Tran Date: ____________Tran Amount $_______________Tran Date: ____________Tran Amount $_______________I am disputing the above charges due to the following reason (CHECK ONLY ONE REASON)Cancellations, Returns or Not Received (Choose only one option)_____On (date) _____________ I cancelled the serviceMethod was (check one) _____in writing, ______in person, _____ _by phone, ______ by email_______._____ I did not receive service, that was to be provided on (date)____________Total number of treatment/services you were contracted for:_______________Total number of treatment/services you did not receive:______________Please list any additional information below that may assist us with resolving the dispute.________________________________________________________________________...⇄ (Not valid unless signed):__________________________________Date:_________________Please do not send in any copies of contracts for your treatments.Please return this form to the following address:Comenity Capital Bank- American Laser SkincareP.O. Box 182620 Columbus, OH 43218-2620Cardholder Statement of Disputed Item(s)