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]
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]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assist with your concerns. In your correspondence, you state you have been...
charged multiple late fees. You attempted to use the website and automated phone service while in the hospital and were unsuccessful. You state you have received poor customer service when you have spoken to representatives, and would like the late fees refunded. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. After further review, there have been no outages that would have prevented you from paying online or through the automated phone system. We do not show any attempts at logging into Account Center or any phone calls received until after your due date. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Bank records indicate we issued late fee adjustments of $20.00 on October 10, 2016, and $15.00 on April 6, 2017. We are unwilling to credit any additional late fees at this time. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Alyson F[redacted]
Dear [redacted]:We have received your complaint regarding the above-referenced account. Comenity Capital Bank issues Lending Club Patient Solutions credit accounts, and we are here to help with any account-related questions. Your complaint, addressed to the Revdex.com, was forwarded...
to my attention, and I appreciate the opportunity to respond to your concerns.Your complaint states that you have received threatening phone calls regarding your account and you further state that there is negative payment history reporting on your credit report. You feel this is not accurate as you state that your account is current. You are requesting that your credit report be updated to show the account as current, and for the calls to stop. I understand the concerns mentioned in your complaint and I apologize for any inconvenience or frustration this may have caused you.The Bank has reviewed the issues in your complaint, as well as the applicable phone conversations. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner; however, we found no evidence of the treatment you described. Comenity Capital Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met.We have updated your account so that you will no longer receive telephone calls at the number ending in [redacted]. If you are receiving calls at another number, please contact me so I can update our records.Please note, when the Bank’s records show that the minimum payment due has not been received by the due date on an account; we will make attempts to contact the accountholder regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call the customer until our attempt to communicate is successful.Bank records indicate that the due date on your account is the 19th of each month. As a result of payments not being made by the due date, or for less than the minimum payment required, a late fee was assessed to your account for the months of March 2015, April 2015, May 2015, and June 2015. Furthermore, for the month of April 2015, your account became two billing periods behind, which caused your account to be reported as 30-days delinquent.Comenity Capital Bank is obligated to report factual information to the credit-reporting agencies. We have found no billing errors on your account, and we believe the information provided is accurate.As of today, the balance on your account is $3,950.87. In addition, your account is currently one billing period past due. Please be advised, if the Lending Club account exceeds six billing periods past due, per federal regulations, the account balance would write-off and be reported as an unpaid debt to the national credit-reporting agencies. A write-off account can remain on your credit bureau report for seven years.I hope that the information provided is helpful. Should you have any additional questions or concerns regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Talbots credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that you opened the...
Talbots credit card and when you received your statement, you were charged a late fee and interest. You state you called and straightened it out; however, months later you received another statement with a late fee and interest charges. You state you called again and were advised that Comenity Bank bought your account, and you are being harassed by Comenity Bank for payment. You are requesting the Bank admit we made a mistake by buying your account from Talbots, because you no longer owe anything. We apologize for the inconvenience you have experienced regarding this matter. When the account was opened on October 25, 2016, a purchase of $175.64 was applied to your account. Please be advised your Talbots account was opened with Comenity Bank. Comenity Bank is the issuer for all Talbots accounts. The account billed on October 26, 2016, indicating a balance of $175.64, with a $27.00 minimum payment due by November 21, 2016. The required minimum payment was not received by the due date; therefore, a late fee and finance charge were assessed to your account. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. A statement was issued on November 25, 2016, with a balance of $206.41 and a $38.00 minimum payment due by December 21, 2016. A payment of $175.64 was received on December 2, 2016, leaving a remaining balance. Subsequent billing statements were issued and, as no further payments were received, late fees and finance charges continued to accrue. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. Please be advised, on March 16, 2017, all of the previously assessed finance charges and late fees were reversed, and the balance on your account is zero. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H[redacted]
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]
In regards to my original complaint with the Revdex.com #[redacted]. I have contacted Victoria's Secret Community Bank in regards to their request on the fraudulent paperwork and submitted it as requested. The fraud investigator [redacted] has accused me of lying. [redacted] is extremely rude on the phone telling me to pay the $633. I told her that I don't have a problem paying for the items that I have purchased but she refuses to give me any type of summary of charges. She states that I have made the purchases so that I should know what I bought. I told her again that I have lost the card in the charges on the card are fraudulent so I have no idea what the charges are. She also stated why would I make payments on fraud charges. I explained to her that I did not make any payments and there must have been a mistake in the system. She then accuse me of lying saying that she verified my information. If she verifies the payments that she would see that I did not make a payment in that I did not write any checks with my name to Victoria's Secret/ Commenity Bank. She also states that I made an additional purchase of $62 after I reported the card stolen. I told her that obviously the card was stolen so I didn't have it in my possession so there is no way that I made the purchase of $62. She then started yelling at me telling me that I was abusing her and lying. I told her that I've been trying to resolve this issue and am willing to pay for any purchases that are not fraudulent. She stated that I need to pay the full balance and that she doesn't have to cut me a deal. She said that I reported the card stolen but I did not report the charges fraudulent so that obviously they are mine and hung up on me. I do not appreciate the customer service rep arguing with me when I am at calmly telling her that they are not my charges and unfortunately her investigation results are not accurate. It is very upsetting to be accused of lying, being yelled at by the investigator, and then being hung up oI would like the fraudulent charges removed. Then I would like Victoria Secret either reopen my account in good standing with late payments removed or completely remove it from my credit file. I refuse to pay for fraudulent charges when I immediately reported both. One card not received, the second stolen.
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]
I am rejecting this response because I was not late in the last 12 months. I have contacted your customer service less than 7 business days. I'm asking for that late fee to be removed.
Regards,
Elena G[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]
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]
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]
[redacted]
[redacted]
Hello,Thank you for your inquiry. Your reference number is [redacted]
We will reply to your email providing an update and/or resolution of your issue. Please understand that it may take 2-3 business days to resolve the issue.Please reply to this email with any additional questions related to your inquiry.Sincerely,Consumer Support Group
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards,
[redacted]
Dear [redacted]:Comenity Bank (Bank) has received your 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
Dear Mr. [redacted] We received your complaint, addressed to the Revdex.com, regarding the application referenced above. Comenity Capital Bank issues My BJs Perks World for Business MasterCard® credit cards, and we are here to assist you with all application-related...
questions. I appreciate the opportunity to respond to your concerns. I understand from your complaint that you applied for credit under your business name. You received a letter advising that the Bank needed additional information to make a decision on your application and we were unsuccessful in our attempts to reach you. You state you have no record of the Bank trying to reach you and neither does your phone company. I also understand that you are requesting the inquiry be removed from your business credit report, as well a letter of apology for the level of service that you received. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Capital Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. The Bank has reviewed your request, and we respectfully decline your request for any inquiry to be removed from your business credit report as you knowingly applied. If you need additional assistance please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kristina W[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 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,
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]
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]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assist with your concerns. In your correspondence, you state you have been...
charged multiple late fees. You attempted to use the website and automated phone service while in the hospital and were unsuccessful. You state you have received poor customer service when you have spoken to representatives, and would like the late fees refunded. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. After further review, there have been no outages that would have prevented you from paying online or through the automated phone system. We do not show any attempts at logging into Account Center or any phone calls received until after your due date. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Bank records indicate we issued late fee adjustments of $20.00 on October 10, 2016, and $15.00 on April 6, 2017. We are unwilling to credit any additional late fees at this time. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Alyson F[redacted]
Dear [redacted]:We have received your complaint regarding the above-referenced account. Comenity Capital Bank issues Lending Club Patient Solutions credit accounts, and we are here to help with any account-related questions. Your complaint, addressed to the Revdex.com, was forwarded...
to my attention, and I appreciate the opportunity to respond to your concerns.Your complaint states that you have received threatening phone calls regarding your account and you further state that there is negative payment history reporting on your credit report. You feel this is not accurate as you state that your account is current. You are requesting that your credit report be updated to show the account as current, and for the calls to stop. I understand the concerns mentioned in your complaint and I apologize for any inconvenience or frustration this may have caused you.The Bank has reviewed the issues in your complaint, as well as the applicable phone conversations. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner; however, we found no evidence of the treatment you described. Comenity Capital Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met.We have updated your account so that you will no longer receive telephone calls at the number ending in [redacted]. If you are receiving calls at another number, please contact me so I can update our records.Please note, when the Bank’s records show that the minimum payment due has not been received by the due date on an account; we will make attempts to contact the accountholder regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call the customer until our attempt to communicate is successful.Bank records indicate that the due date on your account is the 19th of each month. As a result of payments not being made by the due date, or for less than the minimum payment required, a late fee was assessed to your account for the months of March 2015, April 2015, May 2015, and June 2015. Furthermore, for the month of April 2015, your account became two billing periods behind, which caused your account to be reported as 30-days delinquent.Comenity Capital Bank is obligated to report factual information to the credit-reporting agencies. We have found no billing errors on your account, and we believe the information provided is accurate.As of today, the balance on your account is $3,950.87. In addition, your account is currently one billing period past due. Please be advised, if the Lending Club account exceeds six billing periods past due, per federal regulations, the account balance would write-off and be reported as an unpaid debt to the national credit-reporting agencies. A write-off account can remain on your credit bureau report for seven years.I hope that the information provided is helpful. Should you have any additional questions or concerns regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Talbots credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that you opened the...
Talbots credit card and when you received your statement, you were charged a late fee and interest. You state you called and straightened it out; however, months later you received another statement with a late fee and interest charges. You state you called again and were advised that Comenity Bank bought your account, and you are being harassed by Comenity Bank for payment. You are requesting the Bank admit we made a mistake by buying your account from Talbots, because you no longer owe anything. We apologize for the inconvenience you have experienced regarding this matter. When the account was opened on October 25, 2016, a purchase of $175.64 was applied to your account. Please be advised your Talbots account was opened with Comenity Bank. Comenity Bank is the issuer for all Talbots accounts. The account billed on October 26, 2016, indicating a balance of $175.64, with a $27.00 minimum payment due by November 21, 2016. The required minimum payment was not received by the due date; therefore, a late fee and finance charge were assessed to your account. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. A statement was issued on November 25, 2016, with a balance of $206.41 and a $38.00 minimum payment due by December 21, 2016. A payment of $175.64 was received on December 2, 2016, leaving a remaining balance. Subsequent billing statements were issued and, as no further payments were received, late fees and finance charges continued to accrue. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. Please be advised, on March 16, 2017, all of the previously assessed finance charges and late fees were reversed, and the balance on your account is zero. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H[redacted]
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]
In regards to my original complaint with the Revdex.com #[redacted]. I have contacted Victoria's Secret Community Bank in regards to their request on the fraudulent paperwork and submitted it as requested. The fraud investigator [redacted] has accused me of lying. [redacted] is extremely rude on the phone telling me to pay the $633. I told her that I don't have a problem paying for the items that I have purchased but she refuses to give me any type of summary of charges. She states that I have made the purchases so that I should know what I bought. I told her again that I have lost the card in the charges on the card are fraudulent so I have no idea what the charges are. She also stated why would I make payments on fraud charges. I explained to her that I did not make any payments and there must have been a mistake in the system. She then accuse me of lying saying that she verified my information. If she verifies the payments that she would see that I did not make a payment in that I did not write any checks with my name to Victoria's Secret/ Commenity Bank. She also states that I made an additional purchase of $62 after I reported the card stolen. I told her that obviously the card was stolen so I didn't have it in my possession so there is no way that I made the purchase of $62. She then started yelling at me telling me that I was abusing her and lying. I told her that I've been trying to resolve this issue and am willing to pay for any purchases that are not fraudulent. She stated that I need to pay the full balance and that she doesn't have to cut me a deal. She said that I reported the card stolen but I did not report the charges fraudulent so that obviously they are mine and hung up on me. I do not appreciate the customer service rep arguing with me when I am at calmly telling her that they are not my charges and unfortunately her investigation results are not accurate. It is very upsetting to be accused of lying, being yelled at by the investigator, and then being hung up oI would like the fraudulent charges removed. Then I would like Victoria Secret either reopen my account in good standing with late payments removed or completely remove it from my credit file. I refuse to pay for fraudulent charges when I immediately reported both. One card not received, the second stolen.
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]
I am rejecting this response because I was not late in the last 12 months. I have contacted your customer service less than 7 business days. I'm asking for that late fee to be removed.
Regards,
Elena G[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]
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]
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]
[redacted]
[redacted]
[redacted]
[redacted]...
[redacted]
[redacted]
Hello,Thank you for your inquiry. Your reference number is [redacted]
We will reply to your email providing an update and/or resolution of your issue. Please understand that it may take 2-3 business days to resolve the issue.Please reply to this email with any additional questions related to your inquiry.Sincerely,Consumer Support Group
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards,
[redacted]
Dear [redacted]:Comenity Bank (Bank) has received your 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
Dear Mr. [redacted] We received your complaint, addressed to the Revdex.com, regarding the application referenced above. Comenity Capital Bank issues My BJs Perks World for Business MasterCard® credit cards, and we are here to assist you with all application-related...
questions. I appreciate the opportunity to respond to your concerns. I understand from your complaint that you applied for credit under your business name. You received a letter advising that the Bank needed additional information to make a decision on your application and we were unsuccessful in our attempts to reach you. You state you have no record of the Bank trying to reach you and neither does your phone company. I also understand that you are requesting the inquiry be removed from your business credit report, as well a letter of apology for the level of service that you received. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Capital Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. The Bank has reviewed your request, and we respectfully decline your request for any inquiry to be removed from your business credit report as you knowingly applied. If you need additional assistance please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kristina W[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 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,