I have heard it all before. If they paid attention they would see that their default reply they give to all customers is not satisfactory to my needs. I have done all they suggested - they still have not performed their duties with the disputes filed; and again comenity has not kept my records preventing progress in my issue.
Regards, [redacted]
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
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,
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 has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint, and you state that you made a...
payment in January 2017; however, you realized the payment had not been debited from your bank account. Therefore, you contacted the Bank and were advised that there was a system error at the Bank, which caused payments to be returned. You further state that the representative you spoke with advised you that a credit for the late fee, the return payment fee, and finance charge would be issued to your account. In addition, the payment for that month would be waived; however, that payment was not waived. Therefore, you received phone calls regarding your account being past due. You are requesting that the Bank waive the payment as promised. We understand your concerns, and apologize for any frustration this matter may have caused you.Our records indicate that on January 25, 2017, you scheduled an online payment of $80.00; however, on February 2, 2017, the Bank received notification that the banking information was invalid; therefore, the payment was returned. Please be advised that the return payment fee and finance charge were credited to your account on February 3, 2017.Furthermore, the Bank has waived the previous payment due of $80.00. Please be assured that this has not negatively affected your credit report.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,Jenny W[redacted]
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
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answeryour questions and assist with your concerns.We understand from your complaint, submitted to the Revdex.com,...
that you made apayment with a new checking account and found that the account number was incorrect. At thattime you contacted the Bank to advise that your bank checking account number was incorrect,and requested to make a payment over the phone. You state that you were advised by a bankrepresentative to wait until the payment was charged then call back to have the fees removed.You did not understand why you had to wait when you were willing to make an immediate paymentto resolve the issue. You are requesting we issue credit for the return payment fee, and that youhave the ability to make payments over the phone.We have reviewed the concerns in your correspondence as well as the applicable telephoneconversations. We apologize if you felt you did not receive the best customer service. We neverintend to treat our customers in a less-than-satisfactory manner. We are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.After reviewing the account, our records indicate that a payment of $70.00 was made via ourAccount Center on March 1, 2017. This payment was returned to the Bank on March 9, 2017, as“no bank account or unable to locate”. As you placed your call to the Bank regarding the feeassessment and payment on March 7, 2017, the payment was not returned to the Bank at thattime and the fee was not applied to the account. As such there was no fee to remove, pleasekeep in mind that it may take up to seven days for payments to be returned from a bankinginstitution.In regard to making payments over the phone, you are welcome to make payments via the phone.Please note there is a processing fee to make payments over the phone.Please be assured that as a courtesy, a credit of $25.00 has been applied to the account for thereturn payment fee that was applied to the account on March 8, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,
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)
Back in October 2015 I have received reply that to being an investigation for fraud, I will have to fill Affidavit. I have mailed the affidavit to Comenity bank on October 15 2015. They did not bother to even look into it. Now, they even deny that there were accounts open in my name. Attached you will find that back in October 2015, they acknowledged two accounts being open in my name for store HSN and Victoria secrets. I do not see how they are unable to locate them.
Regards, [redacted]
Dear Ms. [redacted]Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret credit card accounts, we are here to answer account-related questions. Your complaint, submitted to the Revdex.com, was forwarded to my attention for review. I appreciate the opportunity to...
assist you.Your complaint states that you are not receiving the account billing statements every month and your account has been assessed late fees. You believe this is unfair and are asking the Bank to waive the late fees and any additional charges that have been assessed to your account. I have enclosed a copy of the Credit Card Agreement (CCA), as well as copies of the monthly billing statements which show the account activity that comprised the account balance and delinquencies.Bank records indicate that your account was opened on January 3, 2015, and you have charged multiple purchases to the account. The monthly billing statements are being mailed to the address listed in your complaint. We have no record of the post office returning the statements as undeliverable. To date, the Bank has received a total of eight late payments which reflect on the statements. The last payment for $30.00 was received on December 16, 2015, which was after the payment due date. As a courtesy, the $25.00 late fee was credited to your account on December 16, 2015. However, as no further payments have been received, the account has been assessed additional late fees. As no Bank errors have occurred, we are unwilling to credit additional late fees. Please keep in mind that when payments are not received, are received after the payment due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the CCA.To provide the best customer service, we offer multiple ways to make a payment and you can choose a method that is right for you.In-store – If Victoria’s Secret has a store near you, you may drop off your payment in the store so it can be applied to your account on the same day.Online: Online payments submitted before 8:00 p.m. ET can be credited to your account the same day. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete a financial transfer from your personal bank account to your Victoria’s Secret account.Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive.Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with a representative.As of the date of this letter, your account is two billing cycles past due. You may call our Customer Retention team at ###-###-#### to discuss suitable payment arrangements.We apologize for any inconvenience this matter may have caused you, and hope this information is helpful. If you have further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the...
Revdex.com, that youhave never been late on the account. You state that the Bank is reporting your account late threetimes. You were married and a problem arose with changing your name. You have tried multipletimes to take care of this and were advised several times that this would be taken care of. Youstate that the problem is with the Bank, due to your name change. You are requesting the paymenthistory updated to show no delinquencies on your credit file.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations. We apologize if you felt you did not receive the best customer service. We neverintend to treat our customers in a less-than-satisfactory manner. We are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.Please be assured, after reviewing the calls in question, there was not a request to change yourlast name; only notification that your last name was different due to marriage. Changes made toyour account must come from you. We did not have your authorization to update that information.However, a name change does not affect the payments or billings on the account.Bank records indicate that you made a retail store payment for $300.00 on April 16, 2016. Thepayment was returned by your financial institution, and was debited to your account on June 14,2016. As such, the account was in default due to the returned payment and was reported to thecredit bureaus as 60 days late. This is accurate information pursuant to the Credit CardAgreement, which explains that you will default on the account if you issue a payment returnedunpaid by your bank for any reason, in addition that you understand we may report negativeinformation about your account to consumer credit-reporting agencies. Enclosed is a copy of theCredit Card Agreement for your review.There are no Bank errors, and the account information that is reporting to the credit bureaus isvalid. As such, we are unwilling to remove the late payment information from your credit report.In addition, Victoria’s Secret Angel accounts were previously nine digit account numbers that were converted to 16 digit account numbers on June 23, 2016; therefore, only the 16 digit account number should be reporting on your credit report. To correct this, notification was sent to the credit-reporting agencies to remove the nine digit Victoria’s Secret Angel account from your credit report. Please allow 45 calendar days for them to update their files.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,[redacted]Compliance Dept. – Consumer ResponsesEnclosure
My boyfriend filled out the necessary paperwork at his bank and got his money back. I returned some items while using my old account with Victoria Secret and he received credit. I paid off my both bills. I just received two billing statements with the amounts I owed in question. The $213.43 and the $252. RIGHT AFTER paying them. I do not remember the customer service rep's name and I didn't speak with a comenity bank associate for fear of being rudely treated. I do not understand. I can't use my card. All of my recent purchases using my new card have been cancelled.
Regards,
[redacted]
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]
It doesn't address my complaint and the fact that they are lying and fraudulently claiming to be from Google to get my information or patronage. All their response does is restate my complaint and then claim that I need to provide my customer information for them to resolve my complaint. I'm not their customer and never have been and haven't ever heard of this company--their letter claiming they need my customer information is a farce. The response doesn't address their actions at all. My biggest concern is for all consumers who fall victim to their deceitful approach and whatever scams they are perpetrating and who regularly receive their telemarketing calls using their false advertising tactics at best (and potential phishing tactics for identity theft or other dishonest purposes).
Regards, [redacted]
Commenity KEEPS ignoring the fall of 2014 bill! They have sent me copies of all of this years transactions and keep sweeping under the rug the Fall of 14' charge which is the cause of all this that has snowballed. I have added a screen shot of my bank account from November 4th a withdrawal of $800 of which I paid for the money order I used. They asked for any bank proof in my dispute and now I am handing it over again. I did agree to pay this back AGAIN but in my comment I wanted a reason as to HOW they can attempt to collect interest on something I had NEVER charged if as they say was a mistake by THEM and sent me a check. I didnt agree to an order or a charge, how do they have the right to charge for something that was their mistake??? And at this point in my life I have a child and cannot afford to re-pay yet AGAIN for something I did not willingly charge, ie no order placed on my behalf to have to pay something back and certainly not that amount of money in such a short time when I can barely afford rent, nerveless something that was actually a CREDIT from the fall of 2014!
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 correspondence regarding the above-noted account. Comenity Bank issues the Wayfair Card credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that you made a...
purchase online and the advertisement advised that if you purchased now, you would receive 18 months of 0% financing. You state that once the order was received, the statements started to show interest being assessed. You also state that when you contacted Wayfair, you were advised that the order was processed three days after the promotion expired. You then called back and spoke with a supervisor who had advised that the issue would be corrected and you would receive an update; however, you received an email stating that you could not be provided with the promotion. You are requesting to have the promotion applied and the amount of interest returned to you. We apologize for the inconvenience you have experienced regarding this matter. The Bank has contacted Wayfair on your behalf, and we have been advised that the option to receive special financing was not selected at the time of checkout; therefore, your purchase did not qualify for the 18 month deferred interest, payment required plan. We were also advised that, in order to assist you with your complaint, Wayfair processed a credit to your account of $565.77 on March 28, 2017. Also, as a courtesy, the Bank processed a credit for the previously assessed finance charge in the amount of $86.48. Thank you for your payment of $3,420.06 that was received on April 4, 2017. The balance on your Wayfair Card account is now 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]
Comenity Capital Bank (Bank) has received your correspondence regarding the...
above-referenced account. Comenity Capital Bank issues the Ultamate Rewards credit card. We are here to answer your questions and assist with your concerns. You state you paid your bill in full in April 2017; however, you continue to get harassed, and receive bills from the Bank, consisting of service fees. You are requesting to have your account adjusted, and your credit report repaired. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement. On March 25, 2017, a billing statement was issued reflecting a balance of $78.22, with a minimum payment of $35.00 due by April 20, 2017. On April 22, 2017, a payment of $78.22 posted to the account; however, because the payment was received after the due date, a late fee and a finance charge were assessed to the account. Statements continued to be issued monthly, and as no additional payments were received, late fees and finance charges continued to be assessed to the account. The Bank made the decision to no longer hold you responsible for the remaining account balance. In the interest of customer service, we issued credits totaling $186.14 to remove the previously assessed late fees and finance charges. As of the date of this correspondence, the account balance is zero. Notification has been sent to the credit reporting agencies with instructions to remove the negative payment information from your credit bureau report. Please allow up to 45 days for the credit reporting agencies to update their records. 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, Laura R[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns. Your correspondence states that you paid your Torrid...
Credit Card bill on May 3, 2017, with a payment of $27.00, and again on June 3, 2017, with a payment of $67.00. After submitting the payments, you received a letter from the Bank informing you that the Bank did not receive payment as of May 2017, the funds were returned to your [redacted] account, and your account would be assed late fees and finance charges. Additionally, you state that the returned funds have not appeared in your [redacted] account as of June 19, 2017. You are requesting that $119.00 be returned, and that your account be closed. 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 (CCA). We have reviewed your account and would like to offer the following information: • On March 22, 2017, your Torrid account was opened and a retail purchase was made in the amount of $119.38. • On April 4, 2017, a mail order purchase was made in the amount of $90.39. • On April 21, 2017, a payment was submitted in the amount of $27.00. • On April 18, 2017, a late fee in the amount of $27.00 was assessed to the account due to non-receipt of payment by the April 18, 2017 payment due date. • On April 22, 2017, a finance charge in the amount of $3.79, and an Account Assure premium fee in the amount of $4.24 were charged to the account. • On May 1, 2017, a payment in the amount of $27.00 was returned due to insufficient funds at the bank from which funds were withdrawn. • On May 23, 2017, a finance charge in the amount of $5.25 was assessed to the account. • On June 2, 2017, a payment was submitted in the amount of $67.00. • On June 9, 2017, a payment in the amount of $67.00 was returned due to insufficient funds at the bank from which funds were withdrawn, and a returned payment fee was assessed to the account in the amount of $25.00. • On June 22, 2017, a finance charge in the amount of $5.26 was assessed to the account. Please understand that returned payments noted on a customer’s account reflect that the customer’s bank returned the payment, and the payment was not received. In the event of a returned payment, the Bank does not receive or retain any of the customer’s funds. For detailed information regarding the reason for a returned payment, you will need to contact your bank directly. Your account was closed per your request on June 27, 2017. Please keep in mind that closure of the account does not discharge the account balance. If closed, the credit card can no longer be used for purchases; however, the account holder is still responsible for paying any remaining balance on the account. These policies are explained in detail in the Credit Card Agreement (CCA), a copy of which is enclosed. We respectfully decline to remove the balance or fees on the account as they are valid. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
I have heard it all before. If they paid attention they would see that their default reply they give to all customers is not satisfactory to my needs. I have done all they suggested - they still have not performed their duties with the disputes filed; and again comenity has not kept my records preventing progress in my issue.
Regards, [redacted]
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
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,
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 has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint, and you state that you made a...
payment in January 2017; however, you realized the payment had not been debited from your bank account. Therefore, you contacted the Bank and were advised that there was a system error at the Bank, which caused payments to be returned. You further state that the representative you spoke with advised you that a credit for the late fee, the return payment fee, and finance charge would be issued to your account. In addition, the payment for that month would be waived; however, that payment was not waived. Therefore, you received phone calls regarding your account being past due. You are requesting that the Bank waive the payment as promised. We understand your concerns, and apologize for any frustration this matter may have caused you.Our records indicate that on January 25, 2017, you scheduled an online payment of $80.00; however, on February 2, 2017, the Bank received notification that the banking information was invalid; therefore, the payment was returned. Please be advised that the return payment fee and finance charge were credited to your account on February 3, 2017.Furthermore, the Bank has waived the previous payment due of $80.00. Please be assured that this has not negatively affected your credit report.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,Jenny W[redacted]
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
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answeryour questions and assist with your concerns.We understand from your complaint, submitted to the Revdex.com,...
that you made apayment with a new checking account and found that the account number was incorrect. At thattime you contacted the Bank to advise that your bank checking account number was incorrect,and requested to make a payment over the phone. You state that you were advised by a bankrepresentative to wait until the payment was charged then call back to have the fees removed.You did not understand why you had to wait when you were willing to make an immediate paymentto resolve the issue. You are requesting we issue credit for the return payment fee, and that youhave the ability to make payments over the phone.We have reviewed the concerns in your correspondence as well as the applicable telephoneconversations. We apologize if you felt you did not receive the best customer service. We neverintend to treat our customers in a less-than-satisfactory manner. We are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.After reviewing the account, our records indicate that a payment of $70.00 was made via ourAccount Center on March 1, 2017. This payment was returned to the Bank on March 9, 2017, as“no bank account or unable to locate”. As you placed your call to the Bank regarding the feeassessment and payment on March 7, 2017, the payment was not returned to the Bank at thattime and the fee was not applied to the account. As such there was no fee to remove, pleasekeep in mind that it may take up to seven days for payments to be returned from a bankinginstitution.In regard to making payments over the phone, you are welcome to make payments via the phone.Please note there is a processing fee to make payments over the phone.Please be assured that as a courtesy, a credit of $25.00 has been applied to the account for thereturn payment fee that was applied to the account on March 8, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,
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)
Back in October 2015 I have received reply that to being an investigation for fraud, I will have to fill Affidavit. I have mailed the affidavit to Comenity bank on October 15 2015. They did not bother to even look into it. Now, they even deny that there were accounts open in my name. Attached you will find that back in October 2015, they acknowledged two accounts being open in my name for store HSN and Victoria secrets. I do not see how they are unable to locate them.
Regards, [redacted]
Dear Ms. [redacted]Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret credit card accounts, we are here to answer account-related questions. Your complaint, submitted to the Revdex.com, was forwarded to my attention for review. I appreciate the opportunity to...
assist you.Your complaint states that you are not receiving the account billing statements every month and your account has been assessed late fees. You believe this is unfair and are asking the Bank to waive the late fees and any additional charges that have been assessed to your account. I have enclosed a copy of the Credit Card Agreement (CCA), as well as copies of the monthly billing statements which show the account activity that comprised the account balance and delinquencies.Bank records indicate that your account was opened on January 3, 2015, and you have charged multiple purchases to the account. The monthly billing statements are being mailed to the address listed in your complaint. We have no record of the post office returning the statements as undeliverable. To date, the Bank has received a total of eight late payments which reflect on the statements. The last payment for $30.00 was received on December 16, 2015, which was after the payment due date. As a courtesy, the $25.00 late fee was credited to your account on December 16, 2015. However, as no further payments have been received, the account has been assessed additional late fees. As no Bank errors have occurred, we are unwilling to credit additional late fees. Please keep in mind that when payments are not received, are received after the payment due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the CCA.To provide the best customer service, we offer multiple ways to make a payment and you can choose a method that is right for you.In-store – If Victoria’s Secret has a store near you, you may drop off your payment in the store so it can be applied to your account on the same day.Online: Online payments submitted before 8:00 p.m. ET can be credited to your account the same day. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete a financial transfer from your personal bank account to your Victoria’s Secret account.Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive.Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with a representative.As of the date of this letter, your account is two billing cycles past due. You may call our Customer Retention team at ###-###-#### to discuss suitable payment arrangements.We apologize for any inconvenience this matter may have caused you, and hope this information is helpful. If you have further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the...
Revdex.com, that youhave never been late on the account. You state that the Bank is reporting your account late threetimes. You were married and a problem arose with changing your name. You have tried multipletimes to take care of this and were advised several times that this would be taken care of. Youstate that the problem is with the Bank, due to your name change. You are requesting the paymenthistory updated to show no delinquencies on your credit file.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations. We apologize if you felt you did not receive the best customer service. We neverintend to treat our customers in a less-than-satisfactory manner. We are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.Please be assured, after reviewing the calls in question, there was not a request to change yourlast name; only notification that your last name was different due to marriage. Changes made toyour account must come from you. We did not have your authorization to update that information.However, a name change does not affect the payments or billings on the account.Bank records indicate that you made a retail store payment for $300.00 on April 16, 2016. Thepayment was returned by your financial institution, and was debited to your account on June 14,2016. As such, the account was in default due to the returned payment and was reported to thecredit bureaus as 60 days late. This is accurate information pursuant to the Credit CardAgreement, which explains that you will default on the account if you issue a payment returnedunpaid by your bank for any reason, in addition that you understand we may report negativeinformation about your account to consumer credit-reporting agencies. Enclosed is a copy of theCredit Card Agreement for your review.There are no Bank errors, and the account information that is reporting to the credit bureaus isvalid. As such, we are unwilling to remove the late payment information from your credit report.In addition, Victoria’s Secret Angel accounts were previously nine digit account numbers that were converted to 16 digit account numbers on June 23, 2016; therefore, only the 16 digit account number should be reporting on your credit report. To correct this, notification was sent to the credit-reporting agencies to remove the nine digit Victoria’s Secret Angel account from your credit report. Please allow 45 calendar days for them to update their files.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,[redacted]Compliance Dept. – Consumer ResponsesEnclosure
My boyfriend filled out the necessary paperwork at his bank and got his money back. I returned some items while using my old account with Victoria Secret and he received credit. I paid off my both bills. I just received two billing statements with the amounts I owed in question. The $213.43 and the $252. RIGHT AFTER paying them. I do not remember the customer service rep's name and I didn't speak with a comenity bank associate for fear of being rudely treated. I do not understand. I can't use my card. All of my recent purchases using my new card have been cancelled.
Regards,
[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
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]
It doesn't address my complaint and the fact that they are lying and fraudulently claiming to be from Google to get my information or patronage. All their response does is restate my complaint and then claim that I need to provide my customer information for them to resolve my complaint. I'm not their customer and never have been and haven't ever heard of this company--their letter claiming they need my customer information is a farce. The response doesn't address their actions at all. My biggest concern is for all consumers who fall victim to their deceitful approach and whatever scams they are perpetrating and who regularly receive their telemarketing calls using their false advertising tactics at best (and potential phishing tactics for identity theft or other dishonest purposes).
Regards, [redacted]
Commenity KEEPS ignoring the fall of 2014 bill! They have sent me copies of all of this years transactions and keep sweeping under the rug the Fall of 14' charge which is the cause of all this that has snowballed. I have added a screen shot of my bank account from November 4th a withdrawal of $800 of which I paid for the money order I used. They asked for any bank proof in my dispute and now I am handing it over again. I did agree to pay this back AGAIN but in my comment I wanted a reason as to HOW they can attempt to collect interest on something I had NEVER charged if as they say was a mistake by THEM and sent me a check. I didnt agree to an order or a charge, how do they have the right to charge for something that was their mistake??? And at this point in my life I have a child and cannot afford to re-pay yet AGAIN for something I did not willingly charge, ie no order placed on my behalf to have to pay something back and certainly not that amount of money in such a short time when I can barely afford rent, nerveless something that was actually a CREDIT from the fall of 2014!
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 correspondence regarding the above-noted account. Comenity Bank issues the Wayfair Card credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that you made a...
purchase online and the advertisement advised that if you purchased now, you would receive 18 months of 0% financing. You state that once the order was received, the statements started to show interest being assessed. You also state that when you contacted Wayfair, you were advised that the order was processed three days after the promotion expired. You then called back and spoke with a supervisor who had advised that the issue would be corrected and you would receive an update; however, you received an email stating that you could not be provided with the promotion. You are requesting to have the promotion applied and the amount of interest returned to you. We apologize for the inconvenience you have experienced regarding this matter. The Bank has contacted Wayfair on your behalf, and we have been advised that the option to receive special financing was not selected at the time of checkout; therefore, your purchase did not qualify for the 18 month deferred interest, payment required plan. We were also advised that, in order to assist you with your complaint, Wayfair processed a credit to your account of $565.77 on March 28, 2017. Also, as a courtesy, the Bank processed a credit for the previously assessed finance charge in the amount of $86.48. Thank you for your payment of $3,420.06 that was received on April 4, 2017. The balance on your Wayfair Card account is now 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]
Comenity Capital Bank (Bank) has received your correspondence regarding the...
above-referenced account. Comenity Capital Bank issues the Ultamate Rewards credit card. We are here to answer your questions and assist with your concerns. You state you paid your bill in full in April 2017; however, you continue to get harassed, and receive bills from the Bank, consisting of service fees. You are requesting to have your account adjusted, and your credit report repaired. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement. On March 25, 2017, a billing statement was issued reflecting a balance of $78.22, with a minimum payment of $35.00 due by April 20, 2017. On April 22, 2017, a payment of $78.22 posted to the account; however, because the payment was received after the due date, a late fee and a finance charge were assessed to the account. Statements continued to be issued monthly, and as no additional payments were received, late fees and finance charges continued to be assessed to the account. The Bank made the decision to no longer hold you responsible for the remaining account balance. In the interest of customer service, we issued credits totaling $186.14 to remove the previously assessed late fees and finance charges. As of the date of this correspondence, the account balance is zero. Notification has been sent to the credit reporting agencies with instructions to remove the negative payment information from your credit bureau report. Please allow up to 45 days for the credit reporting agencies to update their records. 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, Laura R[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns. Your correspondence states that you paid your Torrid...
Credit Card bill on May 3, 2017, with a payment of $27.00, and again on June 3, 2017, with a payment of $67.00. After submitting the payments, you received a letter from the Bank informing you that the Bank did not receive payment as of May 2017, the funds were returned to your [redacted] account, and your account would be assed late fees and finance charges. Additionally, you state that the returned funds have not appeared in your [redacted] account as of June 19, 2017. You are requesting that $119.00 be returned, and that your account be closed. 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 (CCA). We have reviewed your account and would like to offer the following information: • On March 22, 2017, your Torrid account was opened and a retail purchase was made in the amount of $119.38. • On April 4, 2017, a mail order purchase was made in the amount of $90.39. • On April 21, 2017, a payment was submitted in the amount of $27.00. • On April 18, 2017, a late fee in the amount of $27.00 was assessed to the account due to non-receipt of payment by the April 18, 2017 payment due date. • On April 22, 2017, a finance charge in the amount of $3.79, and an Account Assure premium fee in the amount of $4.24 were charged to the account. • On May 1, 2017, a payment in the amount of $27.00 was returned due to insufficient funds at the bank from which funds were withdrawn. • On May 23, 2017, a finance charge in the amount of $5.25 was assessed to the account. • On June 2, 2017, a payment was submitted in the amount of $67.00. • On June 9, 2017, a payment in the amount of $67.00 was returned due to insufficient funds at the bank from which funds were withdrawn, and a returned payment fee was assessed to the account in the amount of $25.00. • On June 22, 2017, a finance charge in the amount of $5.26 was assessed to the account. Please understand that returned payments noted on a customer’s account reflect that the customer’s bank returned the payment, and the payment was not received. In the event of a returned payment, the Bank does not receive or retain any of the customer’s funds. For detailed information regarding the reason for a returned payment, you will need to contact your bank directly. Your account was closed per your request on June 27, 2017. Please keep in mind that closure of the account does not discharge the account balance. If closed, the credit card can no longer be used for purchases; however, the account holder is still responsible for paying any remaining balance on the account. These policies are explained in detail in the Credit Card Agreement (CCA), a copy of which is enclosed. We respectfully decline to remove the balance or fees on the account as they are valid. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]