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.
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues The Limited credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you submitted a complaint in November 2016, and you were assured everything was taken care of. However, you are still receiving billing statements even though the account was closed in August 2016. We apologize for the frustration this matter has caused you. I am happy to share my findings. The billing statement you are referencing, with a balance of $83.46, was issued October 12, 2016. As stated in our previous response, dated December 6, 2016, credits totaling $117.32 were issued to bring the balance to zero. However, a necessary adjustment was not completed, which caused the account to incur additional late fees. We apologize for this error, the mistake has been corrected to bring the balance to zero. Please be assured, this matter did not create any negative ramifications to the credit bureaus. Please be assured the account was closed on May 15, 2016. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M[redacted]
Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referencedaccount. Comenity Capital Bank issues the Ideal Image VIP credit card. We are here to answeryour questions and assist with your concerns.Your correspondence indicates your concern about the...
finance charges that were assessed toyour account in connection to the purchase you made on a deferred-interest promotional plan.We have reviewed the concerns noted in your correspondence and we would like to provide youwith the following information.The January 14, 2015, purchase for $4,215.00 was placed on a 24-month deferred interestpayment required plan with an expiration date of January 15, 2017. Under the terms of thispromotional plan, interest on the purchase is deferred until the plan expires. This means thatinterest on this purchase was accruing monthly from the original purchase date but was not beingapplied to your account. In order to keep the accrued finance charges from being applied to youraccount, the entire promotional purchase amount needed to be paid in full by the promotionalplan’s expiration date. This promotional purchase was not paid in full by the expiration datementioned above; therefore, the accrued interest was applied to your account. The details of yourpromotional plan, as well as the expiration date, were present on each billing statement.While we understand your concern, after our review of your account, we have determined thebalance is accurate and no adjustments are needed. If you have any questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Shelley A[redacted]
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]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
I 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]
the letter from Comenity references November 2014 and it should be November 2013 as the date I was reported late by Comenity. If Comenity can send me an updated letter to reflect that the 30 day late charge in November 2013 will be removed, the dispute can be resolved. Thank you for your help.
Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the LOVELOFT Mastercard credit card. We are here to answer your questions andassist with your concerns.We understand your concerns regarding the late fees that were assessed to your...
account. You state thatthe website was down and your payment did not go through. You did not know this until you received threelate fees, which affected your credit score and you were called. You have tried to resolve but state the Bankis relentless and unprofessional. You also state that we cannot set up automatic payments and it is awful.You requests a full refund for lack of communication, stringing you along, and you request your credit reportrectified.We apologize for the frustration and inconvenience you may have experienced as a result of this matter.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 never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.Bank records indicate that you charged $28.56 to the account on October 21, 2016, for a M. Sweater. OnNovember 2, 2016, a statement was mailed to you reflecting a balance of $28.56, and a $28.56 minimumpayment due on November 28, 2016. Payment for $28.56 was received on November 29, 2016, and theaccount was assessed a late fee and a finance charge.On December 2, 2016, a statement was mailed to you reflecting a balance of $27.00, and a $27.00 minimumpayment due on December 28, 2016. No payment was received, and the account was assessed a late feeand a finance charge.On January 2, 2017, a statement was mailed to you reflecting a balance of $55.00, and a $33.00 minimumpayment due on January 28, 2017. No payment was received, and the account was assessed a late feeand a finance charge.On February 2, 2017, a statement was mailed to you reflecting a balance of $89.34, and a $40.00 minimumpayment due on February 28, 2017. Payment was not received; however, the account was issued twocourtesy late fee credits totaling $60.00. The account was only charged a finance charge for the outstandingbalance.On March 2, 2017, a statement was mailed to you reflecting a balance of $67.34, and a $35.34 minimumpayment due on March 28, 2017. Payment of $28.56 was received on March 4, 2017, and payment of $6.78 was received on March 27, 2017. The account was only charged a finance charge for the outstandingbalance.On April 2, 2017, a statement was mailed to you reflecting a balance of $33.00, and a $30.00 minimumpayment due on April 28, 2017. The minimum payment due was removed, as a courtesy, since yourequested to file a dispute with the Bank, and you were sent a form on May 1, 2017, to complete and return.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.Enclosed are copies of the billing statements for your records.To provide the best customer service possible, we offer multiple ways to make a payment. Choose apayment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your paymentin the store so it can be applied to your account on the same day. Check the back of your billing statementto see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m. EasternTime (ET) will be credited to your account on the same day, unless you select a date in the future. Onlinepayments submitted after 8:00 p.m. ET will be credited the following day (or on a future scheduled paymentdate).Mail: Send your payment and payment coupon in the envelope that came with your billing statement. Werecommend allowing up to 10 days for the payment to arrive. If you’re a paperless customer, print out apayment stub on the online account management site so your payment is processed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on the back ofyour billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply tosame-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.Th...⇄ Bank is unwilling to credit any additional late fees to the account, as no Bank error was found.In addition, the Bank is required to report factual account activity to the credit-reporting agencies. As such,the negative payment information that reported for March 2017 and April 2017 is valid, and we are unwillingto change or delete the information.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the NY&C Rewards credit card. We are here to answer your questions and assist with your concerns. Your complaint states that you were...
billed twice for the same transaction and that your bank called the store to resolve the issue. You also state that you have records to show you paid. You would like New York & Company to contact the debt collector and inform them that you do not owe any money. Please be advised that Comenty Bank and New York & Company are separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. New York & Company is responsible for handling matters related to sales, merchandise processing, returns and shipping. Our records indicate that your NY&C Rewards credit card account was charged off due to nonpayment on December 1, 1991, and was later sold to Asset Acceptance (now Midland) on December 20, 2004. Our understanding of your complaint is that you have a payment concern with the store. The Bank is unable to assist you with a personal store related payment and we recommend that you contact them to further discuss your payment concern. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y[redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues KingSize credit card accounts, and we are here toassist you with all account-related questions or concerns. I appreciate the opportunity torespond to your concerns.We...
understand from your complaint that you are not sure why you are being asked to pay$100.00, and you are refusing at this time. You state you agreed to one price with a discount,and now you are being expected to pay more and you are not sure why.Please note that Comenity Bank and Kingsize are two separate entities. The Bank issues and isresponsible for addressing questions related to the Kingsize credit card account. KingSize isresponsible for handling matters related to sales, merchandise processing. returns andshipping.I attempted to contact you, by telephone, to discuss this matter, on three different occasions.Unfortunately, your telephone did not provide me with an option to leave a voicemail.We have contacted Kingsize on your behalf and they have advised that you accepted the creditcard on December 2, 2015, when you placed your order. You accepted the Kingsize creditcard in order to receive 10% off the jacket you purchased. The last 4 digits of your socialsecurity number and date of birth were provided when you accepted the credit card offer. Youdid not submit your order using a major credit card.KingSize further states that you called again on December 21, 2015, and advised that that yourhealth had taken a turn for the worse and that you wanted to cancel the credit card recentlyaccepted and used. You stated you would keep your last order and your daughter would paythe bill since it was your Christmas gift. You stated you were unable to purchase additionalmerchandise since you would be unable to make the payments. You were provided ComenityBanks toll free number, and were advised that you would need to contact the Bank to close theKingsize account.You contacted our Customer Care team to advise you would like to close the account onDecernber 21, 2015. Please be assured the account is closed.When you spoke a representative of the Bank on January 16, 2018 you were advised thatif payment of $74.98 was made, the remaining balance would be credited. In the interest ofcustomer service a late fee of $20.00 was credited. However, this payment was returned fromyour bank, due to an invalid bank account routing or account number that was provided.Because the payment was returned and not processed to the account, the balance remains.As of the date of this letter, the KingSize balance is $97.98 with a minimum payment of $30.00due by March 3,201 6. The account is two billing period past due.Should the account exceed six consecutive billing periods past due, the account will bepermanently closed, written-off, and reported to the national credit-reporting agencies as anunpaid debt. This information could remain on your client's credit report for up to seven years.Please find enclosed the CCA and copies of the billing statements which show the accountactivity that compromised the account balances and delinquencies which are reporting to thecredit bureaus.To provide the best customer service possible, please note the following ways in whichpayments may be made. Choose a payment method that is right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (ET) can be credited to youraccount the same-day. Online payments submitted after 8:00 p.m. ET will be credited thefollowing day or on your future scheduled aavment date). Please note that it mav take uo totwo business days to complete the financial transfer from your personal bank account to yourKingsize account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing a week for the payment to arrive. If you're a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Phone: If you need to make a payment the same day, you may call us at the phone number on the backof your billing statement to speak to a Customer Care representative. A fee may apply to same daypayments made with the representative.I hope you find this information to be helpful. If you have any further questions, please contactme at (800) 675-5685 ext. [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues THE LIMITED credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you opened THE LIMITED account, and...
made a purchase in March 2016. You state you returned to the store, as you had not received a bill. You contacted the Bank, and were advised that the payment was late. You advised that you had not received the bill; however, you paid what was owed. You state the representative would not waive the late fee. You called in August to resolve this matter, and spoke with a representative who removed the fees. You state the calls started up again, and you were advised that the prior representative, who assured you this was resolved, had no authority to remove the fees. You request that the Bank remove the fees and update the credit reporting from March through the current date. We apologize for the frustration this matter has caused you. I am happy to share my findings. 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 that a billing statement was issued on April 11, 2016, with a balance of $207.96, and a minimum payment of $27.00, due by May 7, 2016. No payment was made, and a late fee was assessed. A billing statement was issued on May 12, 2016, with a balance of $239.58, and a minimum payment of $37.00, due by June 7, 2016. The payment of $207.96 was received on May 18, 2016, this payment left a remaining balance of $33.02. As no payment was received for the $33.02, this balance increased with the accruing Bank fees. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt that 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. We reviewed the phone call from August 19, 2016. The representative did confirm she would remove both the accumulated fees, totaling $57.42, and the delinquencies reported to the credit agencies. The delinquencies were updated, and a letter was issued. I have enclosed a copy of the letter for your records. Unfortunately, the fees were not removed as promised. Due to this Bank error, please be assured the balance of $117.32 has been credited. Additionally, we have sent instructions to the credit agencies to remove the delinquencies reported regarding this matter. Please allow the credit agencies 45 days to update their records. Although the account was closed per your request, we hope you continue to shop with THE LIMITED. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M
January 17, 2017[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]Dear [redacted]:Comenity Bank has received your correspondence regarding the above-referenced credit card account.Comenity Bank issues the [redacted]’s credit cards. We are here to answer your questions and assist with yourconcerns.Thank you for providing the requested Power of Attorney (POA) paperwork. Your information has been listed onMr. [redacted]’s [redacted]’s account as the POA and all future correspondence from the Bank will be sent to you.Bank records indicate that Mr. [redacted] opened the [redacted]’s credit card account on November 10, 2015, at theretail store located at the [redacted].Enclosed are the billing statements and the remittance stubs (payment copies) which were sent to his account,and which were in question with regard to Jackie [redacted]’s account.Please be assured that no credit balance refund resulted on his account due to the payments. The last paymentof $31.20 was received to the account on February 14, 2016.As of the date of this letter, the account balance is zero.I hope you have found this information to be helpful. If you have any questions or concerns, please contactMidland Funding at ###-###-####.Sincerely,[redacted]
[redacted] [redacted]
[redacted]
[redacted]
[redacted]
[redacted]
Dear [redacted]:
We received the inquiry you sent to the Revdex.com, regarding the above-noted account. Your inquiry was forwarded to Comenity Bank. Comenity Bank issues the PINK credit card, and we are here to help answer your account-related questions. I appreciate the...
opportunity to assist you with your concerns.
We understand from your complaint that in May you remitted a late payment due to a technology failure on the website. You were unable to log into your account, and you requested a password reset code. You further state that you owe over $100.00 in fees and called to explain the matter to our representative who then transferred you to a manager. Additionally, you state that the manager advised they would remove the fees and a payment would not be due until August 28, 2016. Lastly, you advise in your correspondence that you received rude treatment and you requested a new credit card that was never received.
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 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.
On March 2, 2016, the Bank sent a billing statement showing a balance of $46.75 with a minimum payment of $25.00 due by March 28, 2016. Since payment was not received by the due date, a late fee was assessed.
On April 2, 2016, a new statement was generated with a balance of $72.85 and a minimum payment of $30.00 due by April 28, 2016. Again, payment was not received by the due date causing your account to go two billing periods past due; therefore, an additional late fee was assessed.
On May 2, 2016, your billing statement was sent with a balance of $104.46 and a minimum payment of $35.00 due by May 28, 2016. On May 4, 2016, we received your payment of $35.00, brining your account current.
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). Enclosed you will find a copy of the CCA and copies of your billing statements showing the account activity that resulted in the account balance.
Due to the account falling past due, your credit limit was reduced to zero. Please keep in mind when the account is delinquent and there is no credit available to spend, a new card cannot be sent. A response was sent to you on May 13, 2016, that explained a credit card could not be issued at this time.
Bank records indicate that on August 2, 2016, a credit of $47.00 in late fees was applied to your account as promised. This adjustment should have brought your balance to $52.57, as you agreed with our representative. However, this date was also your new billing date, and since no payment was received, an additional late fee and finance charge were assessed. Please be assured that we have removed the additional fees, bringing the total balance to $52.57.
On August 24, 2016, the Bank received your payment for $52.57 bringing your account balance to zero.
I hope you find this information helpful. If you have any further questions about this account, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you.
Sincerely,
Jack Cantrell
Jack Cantrell
Consumer Relations Specialist
CC: Revdex.com
Dear [redacted]We received your complaint, submitted to the
Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Overstock.com
credit card accounts, and we are here to help with your account-related
questions. I appreciate this opportunity
to assist you. We understand from your complaint that you
contacted the Bank and during your call, when requesting a manager, you were
hung up on. Additionally, you state that
you never received a bill for the alleged balance and confirmed they were sent
to a wrong address. Multiple fees have
been assessed, and a payment of $60.00 was applied to the wrong account. At this time you are requesting the late fees
be removed, an update to your credit report, and an apology from the Bank. I am happy to share my findings with you.We have reviewed the issues in your complaint
as well as the applicable telephone conversations. 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.Please find a summary of your Overstock.com
account below. I have enclosed a copy of
the Credit Card Agreement (CCA), as well as copies of the billing statements
which show the account activity that comprised the account balance and
delinquencies which are reporting to the credit bureaus. The Overstock.com account was opened on
January 13, 2015; use of the account, or failure to close the account within 30
days of receiving the CCA indicates acceptance of the terms of the agreement,
including the assessment of any finance charges and fees.Bank records indicate the Overstock.com
account was issued a statement on September 8, 2015, which reflected a balance
of $66.99 with a minimum payment of $25.00, due by October 4, 2015. A statement was issued on October 9, 2015,
which reflected a balance of $93.99 with a minimum payment of $30.00, due by November
4, 2015. A statement was issued on
November 8, 2015, which reflected a balance of $126.21 and a minimum payment of
$37.00, due by December 4, 2015. A
statement was issued on December 9, 2015, with a balance of $164.29 and a
minimum payment of $46.00, due by January 4, 2016. Due to non-receipt of payment, the account
was reported to the credit-reporting agencies as three billing statements past
due.Furthermore, on October 8, 2015, a phone call
was placed to you by a representative of the Bank’s collection team. This call was to advise you of the status of your
Limited account, serviced by Comenity Bank. During this call, you scheduled a $60.00 payment to bring your Limited
account current, and you confirmed that your address on Nicole Drive in
Milford, Connecticut was current. Please
be advised that the Overstock.com billing statements were issued to the Nicole
Drive address and the Bank has no record of the statements being returned as undeliverable.On December 11, 2015, a phone call was placed
to you by a representative of the Bank’s collection team to advise you of the
status of the Overstock.com account. You then updated the address to your State
Street address, as shown above, and advised the statements were being sent to a
previous address.Although no Bank errors were found, in the
interest of customer service, a credit in the amount of $65.00 was applied to
the Overstock.com account for late fees. We encourage you to contact our Payment Solutions team at ###-###-####
(TDD/TTY ###-###-####), to set up payment arrangements.Please be advised, we are unwilling to update
the payment history due to no Bank error. Billing statements were mailed to the address listed on the account. We understand that our customers may
experience circumstances beyond their control which may cause their accounts to
become past due. As an option, you may
want to consider submitting a consumer statement to the credit-reporting
agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to
potential creditors why the account became past due, and it may contribute to
their decision. The credit agencies can
be contacted with the below information:Experian
(TRW) TransUnion
(TRU) Equifax
(CBI)PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-####http://www.experian.com http://www.transunion.com http://www.equifax.comWe hope this information is helpful. Should you have any further questions or concerns
regarding this letter, please contact me at ###-###-####5, ext. [redacted] (TDD/TTY
###-###-####). I would be happy to
assist you.Sincerely,Kaija M[redacted]
Dear Revdex.com I have received these Letters of resolved of my complaint ID # [redacted] with GOODY'S and Comenity Bank. Thanks Revdex.com for your correspondence and correspondence in helping me resolving this complaint. Thanks Thanks ThanksSincerely, [redacted]
Dear Mr. [redacted]:We have received your recent complaint regarding the account noted above. Comenity Bankissues Lane Bryant Retail credit cards and we are here to help with your account-relatedquestions and concerns. Your inquiry, addressed to the Revdex.com, was forwardedto my attention...
and I appreciate the opportunity to assist you.I understand from your complaint, in July 2013, a payment of $39.00 was mistakenly missed,due to the charge not being included on your Lane Bryant Retail store receipt. When youbecame aware of the overdue payment, you contacted Comenity Bank. You state that weagreed to work out a payment arrangement in which you would secure a payment to cover youroriginal purchase amount of $39.00, and the Bank would credit the late fees assessed from thepurchase. As agreed, the Bank removed the late fees in question; however, additional late feescontinued to be assessed after the closure of your account on April 28, 2014.You state that you tried to work out a payment arrangement with the Bank; however, you wereunable to reach a conclusion with our collections representatives. In March 2015, you receivedcorrespondence from Cornenity Bank offering you a 50 percent settlement of $161.70 or to paythe balance in full of $323.40.Lastly, you state this is not a debt that you owe to the Bank, and you are requesting the Bank towrite off the charges applied to your Lane Bryant Retail credit card account, and update thecredit-reporting agencies.I understand your concerns regarding the reporting of the Lane Bryant Retail account, and Iapologize for any frustration or inconvenience you have experienced as a result of this matter.We also apologize if you felt that you did not receive the best customer service. It is never theBank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank iscommitted to providing the best customer service and is disappointed when a customer feelsthat this standard was not met.After reviewing the account, Bank records indicate, purchases totaling $273.08 posted to theaccount on August 17, 2013.A payment of $241.44 posted to the account on September 5, 2013, which left a remainingbalance of $31.64, which was paid and posted to the Lane Bryant Retail credit card account onJanuary 8, 2014.The Bank apologizes; however, we were unable to locate and listen to the collection calls fromJuly 2013. However, in the interest of customer service, $291.76 has been credited to theaccount, and the Lane Bryant credit card account now reflects a zero balance.Because the account was reported as a write-off, in order to correct your credit report,notification has been sent to the credit-reporting agencies to remove the account, in its entirety,from your credit report. Please allow 45 days for this information to be updated.I hope you find this information to be helpful. Should you have additional questions or concernsabout this issue, please contact me at ###-###-#### (TDD/TTY ###-###-####). I would be happy to assist you.Geanine M[redacted]
Hello,Comenity Capital Bank received the complaint for [redacted] - Jennifer B[redacted]. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 9/26/17. Please let me know if this extension date is not...
Dear Ruby [redacted]
* Comenity Bank (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. We understand from your...
complaint that on June 23, 2017, you spoke with three representatives and were informed that there was nothing the Bank could do for you. You feel the last representative you spoke with did not care. You state that you closed the account and the account was charged two additional late fees. You request the account be closed as you previously requested, and for all the fees to be removed. I am happy to share my findings. 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 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. 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 a billing statement was issued April 20, 2017, with a balance of $28.13 and a minimum payment of $27.00 due by May 16, 2017. Due to no payment received by the due date, a late fee and finance charge were assessed to the account. A payment was received on May 17, 2017, in the amount of $28.13. A billing statement was issued May 21, 2017, with a balance of $28.00 and a minimum payment of $27.00 due by June 16, 2017. Due to no payment received a late fee and finance charge were assessed. An additional billing statement was issued June 20, 2017, with a balance of $56.00 and a minimum payment of $32.00 due by July 16, 2017. On June 23, 2017, you contacted the Bank regarding the late fees. During this call you were informed that due to the account being closed, the late fees were not eligible to be removed. Please be advised that the Bank fees assessed were valid. We respectfully decline your request to remove the fees. The account was closed per your request on May 18, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. ...⇄ Sincerely, Kaija M[redacted] Compliance Dept. – Consumer Responses
I did as directed by your company. I will be contacting an attorney . I do have a record of the call and instruction from your customer service. I hoped you would be honest and we could get it resolved without legal action.
Regards, [redacted]
Dear Ms. [redacted] Thank you for your complaint, addressed tothe Revdex.com, regarding the above-noted account. Comenity Bank issues meijer® credit cardaccounts and we respond to all account-related questions. Your complaint was forwarded to my attention,and I appreciate...
this opportunity to assist you. Your correspondence indicates that you werenot aware that your account had fallen past due, you state that our collectionsrepresentative contacted you, she told that you would be paying the past dueamount on the account plus the $15.00 payment by phone fee. Furthermore you are requesting to have theamount of $650.00 refunded to you since this has caused you to over draw onyour checking account. Bank records indicate on June 22, 2015, ourcollection representative contacted you and advised that your meijer® accounthad fallen four billings past due, you had informed our representative that youhad forgotten to pay the account and would make a payment this day. During the phone call our representativeasked for your banking information to which you provided a debit visa creditcard. Additionally, bank records indicate thatbefore the payment was posted to your meijer® account, the representativeconfirmed the dollar amount and the additional fee for $15.00 to which youagreed payment for the amount of $814.84. Therefore we are unwilling to comply with your request to refund $650.00 to you.Unfortunately, we are unable to provide youwith a copy of the phone call, as the phone call is proprietary informationthat belongs to the Bank. We apologize for the inconvenience and wehope this information is helpful. Shouldyou have any other questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely, Rosa M[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.
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues The Limited credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you submitted a complaint in November 2016, and you were assured everything was taken care of. However, you are still receiving billing statements even though the account was closed in August 2016. We apologize for the frustration this matter has caused you. I am happy to share my findings. The billing statement you are referencing, with a balance of $83.46, was issued October 12, 2016. As stated in our previous response, dated December 6, 2016, credits totaling $117.32 were issued to bring the balance to zero. However, a necessary adjustment was not completed, which caused the account to incur additional late fees. We apologize for this error, the mistake has been corrected to bring the balance to zero. Please be assured, this matter did not create any negative ramifications to the credit bureaus. Please be assured the account was closed on May 15, 2016. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M[redacted]
Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referencedaccount. Comenity Capital Bank issues the Ideal Image VIP credit card. We are here to answeryour questions and assist with your concerns.Your correspondence indicates your concern about the...
finance charges that were assessed toyour account in connection to the purchase you made on a deferred-interest promotional plan.We have reviewed the concerns noted in your correspondence and we would like to provide youwith the following information.The January 14, 2015, purchase for $4,215.00 was placed on a 24-month deferred interestpayment required plan with an expiration date of January 15, 2017. Under the terms of thispromotional plan, interest on the purchase is deferred until the plan expires. This means thatinterest on this purchase was accruing monthly from the original purchase date but was not beingapplied to your account. In order to keep the accrued finance charges from being applied to youraccount, the entire promotional purchase amount needed to be paid in full by the promotionalplan’s expiration date. This promotional purchase was not paid in full by the expiration datementioned above; therefore, the accrued interest was applied to your account. The details of yourpromotional plan, as well as the expiration date, were present on each billing statement.While we understand your concern, after our review of your account, we have determined thebalance is accurate and no adjustments are needed. If you have any questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Shelley A[redacted]
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]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
I 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]
the letter from Comenity references November 2014 and it should be November 2013 as the date I was reported late by Comenity. If Comenity can send me an updated letter to reflect that the 30 day late charge in November 2013 will be removed, the dispute can be resolved. Thank you for your help.
Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the LOVELOFT Mastercard credit card. We are here to answer your questions andassist with your concerns.We understand your concerns regarding the late fees that were assessed to your...
account. You state thatthe website was down and your payment did not go through. You did not know this until you received threelate fees, which affected your credit score and you were called. You have tried to resolve but state the Bankis relentless and unprofessional. You also state that we cannot set up automatic payments and it is awful.You requests a full refund for lack of communication, stringing you along, and you request your credit reportrectified.We apologize for the frustration and inconvenience you may have experienced as a result of this matter.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 never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.Bank records indicate that you charged $28.56 to the account on October 21, 2016, for a M. Sweater. OnNovember 2, 2016, a statement was mailed to you reflecting a balance of $28.56, and a $28.56 minimumpayment due on November 28, 2016. Payment for $28.56 was received on November 29, 2016, and theaccount was assessed a late fee and a finance charge.On December 2, 2016, a statement was mailed to you reflecting a balance of $27.00, and a $27.00 minimumpayment due on December 28, 2016. No payment was received, and the account was assessed a late feeand a finance charge.On January 2, 2017, a statement was mailed to you reflecting a balance of $55.00, and a $33.00 minimumpayment due on January 28, 2017. No payment was received, and the account was assessed a late feeand a finance charge.On February 2, 2017, a statement was mailed to you reflecting a balance of $89.34, and a $40.00 minimumpayment due on February 28, 2017. Payment was not received; however, the account was issued twocourtesy late fee credits totaling $60.00. The account was only charged a finance charge for the outstandingbalance.On March 2, 2017, a statement was mailed to you reflecting a balance of $67.34, and a $35.34 minimumpayment due on March 28, 2017. Payment of $28.56 was received on March 4, 2017, and payment of $6.78 was received on March 27, 2017. The account was only charged a finance charge for the outstandingbalance.On April 2, 2017, a statement was mailed to you reflecting a balance of $33.00, and a $30.00 minimumpayment due on April 28, 2017. The minimum payment due was removed, as a courtesy, since yourequested to file a dispute with the Bank, and you were sent a form on May 1, 2017, to complete and return.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.Enclosed are copies of the billing statements for your records.To provide the best customer service possible, we offer multiple ways to make a payment. Choose apayment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your paymentin the store so it can be applied to your account on the same day. Check the back of your billing statementto see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m. EasternTime (ET) will be credited to your account on the same day, unless you select a date in the future. Onlinepayments submitted after 8:00 p.m. ET will be credited the following day (or on a future scheduled paymentdate).Mail: Send your payment and payment coupon in the envelope that came with your billing statement. Werecommend allowing up to 10 days for the payment to arrive. If you’re a paperless customer, print out apayment stub on the online account management site so your payment is processed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on the back ofyour billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply tosame-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.Th...⇄ Bank is unwilling to credit any additional late fees to the account, as no Bank error was found.In addition, the Bank is required to report factual account activity to the credit-reporting agencies. As such,the negative payment information that reported for March 2017 and April 2017 is valid, and we are unwillingto change or delete the information.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the NY&C Rewards credit card. We are here to answer your questions and assist with your concerns. Your complaint states that you were...
billed twice for the same transaction and that your bank called the store to resolve the issue. You also state that you have records to show you paid. You would like New York & Company to contact the debt collector and inform them that you do not owe any money. Please be advised that Comenty Bank and New York & Company are separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. New York & Company is responsible for handling matters related to sales, merchandise processing, returns and shipping. Our records indicate that your NY&C Rewards credit card account was charged off due to nonpayment on December 1, 1991, and was later sold to Asset Acceptance (now Midland) on December 20, 2004. Our understanding of your complaint is that you have a payment concern with the store. The Bank is unable to assist you with a personal store related payment and we recommend that you contact them to further discuss your payment concern. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y[redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues KingSize credit card accounts, and we are here toassist you with all account-related questions or concerns. I appreciate the opportunity torespond to your concerns.We...
understand from your complaint that you are not sure why you are being asked to pay$100.00, and you are refusing at this time. You state you agreed to one price with a discount,and now you are being expected to pay more and you are not sure why.Please note that Comenity Bank and Kingsize are two separate entities. The Bank issues and isresponsible for addressing questions related to the Kingsize credit card account. KingSize isresponsible for handling matters related to sales, merchandise processing. returns andshipping.I attempted to contact you, by telephone, to discuss this matter, on three different occasions.Unfortunately, your telephone did not provide me with an option to leave a voicemail.We have contacted Kingsize on your behalf and they have advised that you accepted the creditcard on December 2, 2015, when you placed your order. You accepted the Kingsize creditcard in order to receive 10% off the jacket you purchased. The last 4 digits of your socialsecurity number and date of birth were provided when you accepted the credit card offer. Youdid not submit your order using a major credit card.KingSize further states that you called again on December 21, 2015, and advised that that yourhealth had taken a turn for the worse and that you wanted to cancel the credit card recentlyaccepted and used. You stated you would keep your last order and your daughter would paythe bill since it was your Christmas gift. You stated you were unable to purchase additionalmerchandise since you would be unable to make the payments. You were provided ComenityBanks toll free number, and were advised that you would need to contact the Bank to close theKingsize account.You contacted our Customer Care team to advise you would like to close the account onDecernber 21, 2015. Please be assured the account is closed.When you spoke a representative of the Bank on January 16, 2018 you were advised thatif payment of $74.98 was made, the remaining balance would be credited. In the interest ofcustomer service a late fee of $20.00 was credited. However, this payment was returned fromyour bank, due to an invalid bank account routing or account number that was provided.Because the payment was returned and not processed to the account, the balance remains.As of the date of this letter, the KingSize balance is $97.98 with a minimum payment of $30.00due by March 3,201 6. The account is two billing period past due.Should the account exceed six consecutive billing periods past due, the account will bepermanently closed, written-off, and reported to the national credit-reporting agencies as anunpaid debt. This information could remain on your client's credit report for up to seven years.Please find enclosed the CCA and copies of the billing statements which show the accountactivity that compromised the account balances and delinquencies which are reporting to thecredit bureaus.To provide the best customer service possible, please note the following ways in whichpayments may be made. Choose a payment method that is right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (ET) can be credited to youraccount the same-day. Online payments submitted after 8:00 p.m. ET will be credited thefollowing day or on your future scheduled aavment date). Please note that it mav take uo totwo business days to complete the financial transfer from your personal bank account to yourKingsize account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing a week for the payment to arrive. If you're a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Phone: If you need to make a payment the same day, you may call us at the phone number on the backof your billing statement to speak to a Customer Care representative. A fee may apply to same daypayments made with the representative.I hope you find this information to be helpful. If you have any further questions, please contactme at (800) 675-5685 ext. [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues THE LIMITED credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you opened THE LIMITED account, and...
made a purchase in March 2016. You state you returned to the store, as you had not received a bill. You contacted the Bank, and were advised that the payment was late. You advised that you had not received the bill; however, you paid what was owed. You state the representative would not waive the late fee. You called in August to resolve this matter, and spoke with a representative who removed the fees. You state the calls started up again, and you were advised that the prior representative, who assured you this was resolved, had no authority to remove the fees. You request that the Bank remove the fees and update the credit reporting from March through the current date. We apologize for the frustration this matter has caused you. I am happy to share my findings. 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 that a billing statement was issued on April 11, 2016, with a balance of $207.96, and a minimum payment of $27.00, due by May 7, 2016. No payment was made, and a late fee was assessed. A billing statement was issued on May 12, 2016, with a balance of $239.58, and a minimum payment of $37.00, due by June 7, 2016. The payment of $207.96 was received on May 18, 2016, this payment left a remaining balance of $33.02. As no payment was received for the $33.02, this balance increased with the accruing Bank fees. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt that 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. We reviewed the phone call from August 19, 2016. The representative did confirm she would remove both the accumulated fees, totaling $57.42, and the delinquencies reported to the credit agencies. The delinquencies were updated, and a letter was issued. I have enclosed a copy of the letter for your records. Unfortunately, the fees were not removed as promised. Due to this Bank error, please be assured the balance of $117.32 has been credited. Additionally, we have sent instructions to the credit agencies to remove the delinquencies reported regarding this matter. Please allow the credit agencies 45 days to update their records. Although the account was closed per your request, we hope you continue to shop with THE LIMITED. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M
January 17, 2017[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]Dear [redacted]:Comenity Bank has received your correspondence regarding the above-referenced credit card account.Comenity Bank issues the [redacted]’s credit cards. We are here to answer your questions and assist with yourconcerns.Thank you for providing the requested Power of Attorney (POA) paperwork. Your information has been listed onMr. [redacted]’s [redacted]’s account as the POA and all future correspondence from the Bank will be sent to you.Bank records indicate that Mr. [redacted] opened the [redacted]’s credit card account on November 10, 2015, at theretail store located at the [redacted].Enclosed are the billing statements and the remittance stubs (payment copies) which were sent to his account,and which were in question with regard to Jackie [redacted]’s account.Please be assured that no credit balance refund resulted on his account due to the payments. The last paymentof $31.20 was received to the account on February 14, 2016.As of the date of this letter, the account balance is zero.I hope you have found this information to be helpful. If you have any questions or concerns, please contactMidland Funding at ###-###-####.Sincerely,[redacted]
[redacted] [redacted]
[redacted]
[redacted]
[redacted]
[redacted]
Dear [redacted]:
We received the inquiry you sent to the Revdex.com, regarding the above-noted account. Your inquiry was forwarded to Comenity Bank. Comenity Bank issues the PINK credit card, and we are here to help answer your account-related questions. I appreciate the...
opportunity to assist you with your concerns.
We understand from your complaint that in May you remitted a late payment due to a technology failure on the website. You were unable to log into your account, and you requested a password reset code. You further state that you owe over $100.00 in fees and called to explain the matter to our representative who then transferred you to a manager. Additionally, you state that the manager advised they would remove the fees and a payment would not be due until August 28, 2016. Lastly, you advise in your correspondence that you received rude treatment and you requested a new credit card that was never received.
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 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.
On March 2, 2016, the Bank sent a billing statement showing a balance of $46.75 with a minimum payment of $25.00 due by March 28, 2016. Since payment was not received by the due date, a late fee was assessed.
On April 2, 2016, a new statement was generated with a balance of $72.85 and a minimum payment of $30.00 due by April 28, 2016. Again, payment was not received by the due date causing your account to go two billing periods past due; therefore, an additional late fee was assessed.
On May 2, 2016, your billing statement was sent with a balance of $104.46 and a minimum payment of $35.00 due by May 28, 2016. On May 4, 2016, we received your payment of $35.00, brining your account current.
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). Enclosed you will find a copy of the CCA and copies of your billing statements showing the account activity that resulted in the account balance.
Due to the account falling past due, your credit limit was reduced to zero. Please keep in mind when the account is delinquent and there is no credit available to spend, a new card cannot be sent. A response was sent to you on May 13, 2016, that explained a credit card could not be issued at this time.
Bank records indicate that on August 2, 2016, a credit of $47.00 in late fees was applied to your account as promised. This adjustment should have brought your balance to $52.57, as you agreed with our representative. However, this date was also your new billing date, and since no payment was received, an additional late fee and finance charge were assessed. Please be assured that we have removed the additional fees, bringing the total balance to $52.57.
On August 24, 2016, the Bank received your payment for $52.57 bringing your account balance to zero.
I hope you find this information helpful. If you have any further questions about this account, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you.
Sincerely,
Jack Cantrell
Jack Cantrell
Consumer Relations Specialist
CC: Revdex.com
Dear [redacted]We received your complaint, submitted to the
Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Overstock.com
credit card accounts, and we are here to help with your account-related
questions. I appreciate this opportunity
to assist you. We understand from your complaint that you
contacted the Bank and during your call, when requesting a manager, you were
hung up on. Additionally, you state that
you never received a bill for the alleged balance and confirmed they were sent
to a wrong address. Multiple fees have
been assessed, and a payment of $60.00 was applied to the wrong account. At this time you are requesting the late fees
be removed, an update to your credit report, and an apology from the Bank. I am happy to share my findings with you.We have reviewed the issues in your complaint
as well as the applicable telephone conversations. 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.Please find a summary of your Overstock.com
account below. I have enclosed a copy of
the Credit Card Agreement (CCA), as well as copies of the billing statements
which show the account activity that comprised the account balance and
delinquencies which are reporting to the credit bureaus. The Overstock.com account was opened on
January 13, 2015; use of the account, or failure to close the account within 30
days of receiving the CCA indicates acceptance of the terms of the agreement,
including the assessment of any finance charges and fees.Bank records indicate the Overstock.com
account was issued a statement on September 8, 2015, which reflected a balance
of $66.99 with a minimum payment of $25.00, due by October 4, 2015. A statement was issued on October 9, 2015,
which reflected a balance of $93.99 with a minimum payment of $30.00, due by November
4, 2015. A statement was issued on
November 8, 2015, which reflected a balance of $126.21 and a minimum payment of
$37.00, due by December 4, 2015. A
statement was issued on December 9, 2015, with a balance of $164.29 and a
minimum payment of $46.00, due by January 4, 2016. Due to non-receipt of payment, the account
was reported to the credit-reporting agencies as three billing statements past
due.Furthermore, on October 8, 2015, a phone call
was placed to you by a representative of the Bank’s collection team. This call was to advise you of the status of your
Limited account, serviced by Comenity Bank. During this call, you scheduled a $60.00 payment to bring your Limited
account current, and you confirmed that your address on Nicole Drive in
Milford, Connecticut was current. Please
be advised that the Overstock.com billing statements were issued to the Nicole
Drive address and the Bank has no record of the statements being returned as undeliverable.On December 11, 2015, a phone call was placed
to you by a representative of the Bank’s collection team to advise you of the
status of the Overstock.com account. You then updated the address to your State
Street address, as shown above, and advised the statements were being sent to a
previous address.Although no Bank errors were found, in the
interest of customer service, a credit in the amount of $65.00 was applied to
the Overstock.com account for late fees. We encourage you to contact our Payment Solutions team at ###-###-####
(TDD/TTY ###-###-####), to set up payment arrangements.Please be advised, we are unwilling to update
the payment history due to no Bank error. Billing statements were mailed to the address listed on the account. We understand that our customers may
experience circumstances beyond their control which may cause their accounts to
become past due. As an option, you may
want to consider submitting a consumer statement to the credit-reporting
agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to
potential creditors why the account became past due, and it may contribute to
their decision. The credit agencies can
be contacted with the below information:Experian
(TRW) TransUnion
(TRU) Equifax
(CBI)PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-####http://www.experian.com http://www.transunion.com http://www.equifax.comWe hope this information is helpful. Should you have any further questions or concerns
regarding this letter, please contact me at ###-###-####5, ext. [redacted] (TDD/TTY
###-###-####). I would be happy to
assist you.Sincerely,Kaija M[redacted]
Dear Revdex.com I have received these Letters of resolved of my complaint ID # [redacted] with GOODY'S and Comenity Bank. Thanks Revdex.com for your correspondence and correspondence in helping me resolving this complaint. Thanks Thanks ThanksSincerely, [redacted]
Dear Mr. [redacted]:We have received your recent complaint regarding the account noted above. Comenity Bankissues Lane Bryant Retail credit cards and we are here to help with your account-relatedquestions and concerns. Your inquiry, addressed to the Revdex.com, was forwardedto my attention...
and I appreciate the opportunity to assist you.I understand from your complaint, in July 2013, a payment of $39.00 was mistakenly missed,due to the charge not being included on your Lane Bryant Retail store receipt. When youbecame aware of the overdue payment, you contacted Comenity Bank. You state that weagreed to work out a payment arrangement in which you would secure a payment to cover youroriginal purchase amount of $39.00, and the Bank would credit the late fees assessed from thepurchase. As agreed, the Bank removed the late fees in question; however, additional late feescontinued to be assessed after the closure of your account on April 28, 2014.You state that you tried to work out a payment arrangement with the Bank; however, you wereunable to reach a conclusion with our collections representatives. In March 2015, you receivedcorrespondence from Cornenity Bank offering you a 50 percent settlement of $161.70 or to paythe balance in full of $323.40.Lastly, you state this is not a debt that you owe to the Bank, and you are requesting the Bank towrite off the charges applied to your Lane Bryant Retail credit card account, and update thecredit-reporting agencies.I understand your concerns regarding the reporting of the Lane Bryant Retail account, and Iapologize for any frustration or inconvenience you have experienced as a result of this matter.We also apologize if you felt that you did not receive the best customer service. It is never theBank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank iscommitted to providing the best customer service and is disappointed when a customer feelsthat this standard was not met.After reviewing the account, Bank records indicate, purchases totaling $273.08 posted to theaccount on August 17, 2013.A payment of $241.44 posted to the account on September 5, 2013, which left a remainingbalance of $31.64, which was paid and posted to the Lane Bryant Retail credit card account onJanuary 8, 2014.The Bank apologizes; however, we were unable to locate and listen to the collection calls fromJuly 2013. However, in the interest of customer service, $291.76 has been credited to theaccount, and the Lane Bryant credit card account now reflects a zero balance.Because the account was reported as a write-off, in order to correct your credit report,notification has been sent to the credit-reporting agencies to remove the account, in its entirety,from your credit report. Please allow 45 days for this information to be updated.I hope you find this information to be helpful. Should you have additional questions or concernsabout this issue, please contact me at ###-###-#### (TDD/TTY ###-###-####). I would be happy to assist you.Geanine M[redacted]
Hello,Comenity Capital Bank received the complaint for [redacted] - Jennifer B[redacted]. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 9/26/17. Please let me know if this extension date is not...
approved. Thank you,
Dear Ruby [redacted]
* Comenity Bank (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. We understand from your...
complaint that on June 23, 2017, you spoke with three representatives and were informed that there was nothing the Bank could do for you. You feel the last representative you spoke with did not care. You state that you closed the account and the account was charged two additional late fees. You request the account be closed as you previously requested, and for all the fees to be removed. I am happy to share my findings. 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 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. 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 a billing statement was issued April 20, 2017, with a balance of $28.13 and a minimum payment of $27.00 due by May 16, 2017. Due to no payment received by the due date, a late fee and finance charge were assessed to the account. A payment was received on May 17, 2017, in the amount of $28.13. A billing statement was issued May 21, 2017, with a balance of $28.00 and a minimum payment of $27.00 due by June 16, 2017. Due to no payment received a late fee and finance charge were assessed. An additional billing statement was issued June 20, 2017, with a balance of $56.00 and a minimum payment of $32.00 due by July 16, 2017. On June 23, 2017, you contacted the Bank regarding the late fees. During this call you were informed that due to the account being closed, the late fees were not eligible to be removed. Please be advised that the Bank fees assessed were valid. We respectfully decline your request to remove the fees. The account was closed per your request on May 18, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. ...⇄ Sincerely, Kaija M[redacted] Compliance Dept. – Consumer Responses
I did as directed by your company. I will be contacting an attorney . I do have a record of the call and instruction from your customer service. I hoped you would be honest and we could get it resolved without legal action.
Regards, [redacted]
Dear Ms. [redacted] Thank you for your complaint, addressed tothe Revdex.com, regarding the above-noted account. Comenity Bank issues meijer® credit cardaccounts and we respond to all account-related questions. Your complaint was forwarded to my attention,and I appreciate...
this opportunity to assist you. Your correspondence indicates that you werenot aware that your account had fallen past due, you state that our collectionsrepresentative contacted you, she told that you would be paying the past dueamount on the account plus the $15.00 payment by phone fee. Furthermore you are requesting to have theamount of $650.00 refunded to you since this has caused you to over draw onyour checking account. Bank records indicate on June 22, 2015, ourcollection representative contacted you and advised that your meijer® accounthad fallen four billings past due, you had informed our representative that youhad forgotten to pay the account and would make a payment this day. During the phone call our representativeasked for your banking information to which you provided a debit visa creditcard. Additionally, bank records indicate thatbefore the payment was posted to your meijer® account, the representativeconfirmed the dollar amount and the additional fee for $15.00 to which youagreed payment for the amount of $814.84. Therefore we are unwilling to comply with your request to refund $650.00 to you.Unfortunately, we are unable to provide youwith a copy of the phone call, as the phone call is proprietary informationthat belongs to the Bank. We apologize for the inconvenience and wehope this information is helpful. Shouldyou have any other questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely, Rosa M[redacted]