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 ###-###-####
I have heard it all before. If they paid attention they would see that their default reply they give to all customers is not satisfactory to my needs. I have done all they suggested - they still have not performed their duties with the disputes filed; and again comenity has not kept my records preventing progress in my issue.
Regards, [redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns. Your correspondence states that you paid your Torrid...
Credit Card bill on May 3, 2017, with a payment of $27.00, and again on June 3, 2017, with a payment of $67.00. After submitting the payments, you received a letter from the Bank informing you that the Bank did not receive payment as of May 2017, the funds were returned to your [redacted] account, and your account would be assed late fees and finance charges. Additionally, you state that the returned funds have not appeared in your [redacted] account as of June 19, 2017. You are requesting that $119.00 be returned, and that your account be closed. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement (CCA). We have reviewed your account and would like to offer the following information: • On March 22, 2017, your Torrid account was opened and a retail purchase was made in the amount of $119.38. • On April 4, 2017, a mail order purchase was made in the amount of $90.39. • On April 21, 2017, a payment was submitted in the amount of $27.00. • On April 18, 2017, a late fee in the amount of $27.00 was assessed to the account due to non-receipt of payment by the April 18, 2017 payment due date. • On April 22, 2017, a finance charge in the amount of $3.79, and an Account Assure premium fee in the amount of $4.24 were charged to the account. • On May 1, 2017, a payment in the amount of $27.00 was returned due to insufficient funds at the bank from which funds were withdrawn. • On May 23, 2017, a finance charge in the amount of $5.25 was assessed to the account. • On June 2, 2017, a payment was submitted in the amount of $67.00. • On June 9, 2017, a payment in the amount of $67.00 was returned due to insufficient funds at the bank from which funds were withdrawn, and a returned payment fee was assessed to the account in the amount of $25.00. • On June 22, 2017, a finance charge in the amount of $5.26 was assessed to the account. Please understand that returned payments noted on a customer’s account reflect that the customer’s bank returned the payment, and the payment was not received. In the event of a returned payment, the Bank does not receive or retain any of the customer’s funds. For detailed information regarding the reason for a returned payment, you will need to contact your bank directly. Your account was closed per your request on June 27, 2017. Please keep in mind that closure of the account does not discharge the account balance. If closed, the credit card can no longer be used for purchases; however, the account holder is still responsible for paying any remaining balance on the account. These policies are explained in detail in the Credit Card Agreement (CCA), a copy of which is enclosed. We respectfully decline to remove the balance or fees on the account as they are valid. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
I still haven't been able to sign in to an account. I did call Comentity Bank and Paid $37 which is the $29.95 with interest. So, that was 2-3 days ago, so as the letter reads "they have not received a payment" is a lie. The payment was in the form of a debit card from [redacted]
Regards, [redacted]
Dear staff I took the offer from the customer care team where they established they will close the account with what I have paid with is what it was suppose to be done as the account was paid in full. However the recovery team wants me to pay 87.18 in order to stop further collections to which I do not agree. I do not have to pay that account two or three times at all. I will disregard this notice from them. As a matter of facts what I will do is send them a reply with the copies of their customer care team to leave me alone and in peace and to not bother me any bother any more. It surely has been hell dealing with commenity bank and Jessica London an account that I even hardly used. Best regards; [redacted]###-###-####
Dear [redacted]:Comenity Bank (Bank) has received your additional correspondence regarding the above referencedaccount. Comenity Bank issues the Kay Jewelers credit card. We are here to answeryour questions and assist with your concerns.We previously received and responded to your correspondence submitted to the Better BusinessBureau regarding this same matter. Please find enclosed a copy of our response dated February6, 2018.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer ResponsesEnclosurecc: Revdex.com
[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]
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 Ms. [redacted]: We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Woman Within® credit card accounts, and we are here to assist you with all account-related questions or concerns. I appreciate the...
opportunity to respond to your concerns. We understand from your complaint that you placed an order on June 18, 2015, and cancelled this order on the same day. You state that you later received the cancelled order, and refused the package. Your complaint states that you have received conflicting information from customer service at Woman Within and Comenity Bank. You later contacted the Woman Within® credit card department and spoke with various representatives and were advised that you would have a zero balance once the credits have been applied. You have continued to receive collection calls and billing statements that include late fees. You would like the fees credited, to provide you with a zero balance, no further contact from the business, and your account closed. We have researched your account, and I am happy to share our findings. Please note that Woman Within and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to the Woman Within® credit card account. Woman Within is responsible for handling matters related to sales, merchandise processing, returns and shipping. Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling. When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded. In addition, if the provided return label is used to return the package, the return label fee is also charged to the account. Bank records indicate, you have two charges processed to your Woman Within® account from Woman Within. I have enclosed copies of your billing statements which show the account activity that comprised the account balance. We contacted Woman Within on your behalf, and they advised the Bank that you submitted your order online on June 18, 2015. You later contacted their customer service department by telephone on June 18, 2015, because your order was submitted without the promotion code for free shipping and free return. The order was processing to ship and you were informed that the postage adjustment would be made after the order was shipped. Bank records indicate that the coupon adjustment was completed on June 25, 2015, in the amount of $7.99, which appears on your July 2015 billing statement. The merchandise shows as delivered, and Woman Within has advised the Bank that they have not received any returns or refused packages. Based on this information, the Bank finds the balance to be valid, and we are unwilling to refund any charges pertaining to the balance. Please be advised, should the account exceed six consecutive billing cycles past due, the account will be permanently closed, written-off, and reported to the national credit-reporting agencies as an unpaid debt. This information could remain on your credit report for up to seven years. Per your request, a cease and desist status has been placed on your account(s). This cease and desist request will stop all future collection calls, but it will also suspend authorizations for new purchases on all of your accounts since we will be unable to contact you. You will continue to receive certain legal communications as permitted by law. Your request to cease and desist contact on your account(s) may be changed at any time by contacting us in writing at the below address: Comenity Bank P.O. Box 182273 Columbus, OH 43218-2273 Additionally, per your request, the account was closed on January 5, 2016. If you have further questions regarding the merchandise billed to your account, please contact Woman Within at ###-###-####. We hope you find this information to be helpful. Should you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). It is often easier to resolve a matter, if we can discuss it. Please contact me if you feel this matter has not been properly resolved. I will be happy to assist you. Sincerely, Amanda R**
I have a record of dozens of calls from Comenity to my number they say does not exit in their records. Easy way to deal with this fact to keep saying they don't have a record - i.e. "I know nussing (sic)".Not reputable as far as I am concerned.No further correspondence is necessary until Comenity deals with the facts that I have gotten these calls from them.
Regards, [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 [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]
Dear [redacted]: We recently received a complaint, addressed to the Revdex.com, regarding your Christopher & Banks credit card account. Comenity Bank, formally known as World Financial Network National Bank, issues Christopher & Banks credit card accounts, and we respond...
to all account-related inquiries. I appreciate the opportunity to assist you. We understand your concerns outlined in your complaint, and we sincerely apologize for any frustration or confusion you may have experienced, as a result of receiving a mailer from the Bank. After a thorough investigation, our records indicate the Christopher & Banks credit card account was opened March 20, 2014, in the name of [redacted]; use of the account or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA) indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase of $72.71 was applied to the account on November 25, 2014, and the last payment of $52.72 was received on January 2, 2015. For your review, we have enclosed a copy of the CCA, copies of the sales receipts provided by Christopher & Banks, along with copies of the monthly billing statements, which show the account activity that comprised the account balance, which were reported to the credit bureaus. We hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,
[redacted] Consumer Relations Specialist
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding theapplication referenced above. Comenity Bank issues Woman Within@ credit card accounts, andwe are here to assist you with all application-related questions or concerns. I appreciate theopportunity to...
respond to your concerns.We understand from your complaint that you never applied for a Woman Within@ account.The Bank has looked into the application, and we have removed the inquiry that was reportingto the credit-reporting agencies. Please allow the credit bureaus 45 days to update theirrecordsWe hope this information is helpful. Should you have any further questions regarding this letter,please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,[redacted]Consumer Relations Specialist
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
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. Thank you very much for your detailed investigation and findings. Thank you for your quick response. I appreciate it so much!
January 17, 2017[redacted]
[redacted]
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[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]
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Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-noted accounts. Comenity Bank issues the Torrid, Ashley Stewart, and Lane Bryant credit cards. We are here to answer your questions and assist with your concerns. We understand from...
your complaint that you and your family members are receiving phone calls, and that you were not happy with the level of service you received while speaking with the Bank regarding the status of your accounts. We apologize for the inconvenience this matter may have caused you. Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account using the telephone numbers that have been provided to the Bank for contact. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempts to communicate are successful. Please be assured that all of the telephone numbers listed in the Banks records for the above-referenced accounts have been marked “Do Not Call”; this includes the telephone numbers ending in [redacted], [redacted], and [redacted]. Therefore, you should no longer receive any telephone calls regarding the above-referenced accounts. We have reviewed the applicable telephone conversation. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H[redacted]
We received your complaint, regarding the above-referenced account. Comenity Bank issues Bealls credit cards, and we are here to help answer your account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We...
understand from your complaint that you are requesting all collections notifications be directed by mail and not by phone. Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempts to communicate are successful. Please be advised that we have updated the phone numbers ending in [redacted] so no further collection calls are made to this number. Bank records indicate your Bealls credit card account is two billing periods past due. Please note, should an account exceed six consecutive billing periods past due, the account would be permanently closed and written off, due to non-payment, and reported to the national credit reporting agencies as an unpaid debt. Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditors. We support and participate in the programs provided by CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####. I hope the information I provided is helpful. Should you have any further questions or concerns about the accounts, please contact me at ###-###-####. I would be happy to assist you. Sincerely, Kristina W
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]
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 ###-###-####
I have heard it all before. If they paid attention they would see that their default reply they give to all customers is not satisfactory to my needs. I have done all they suggested - they still have not performed their duties with the disputes filed; and again comenity has not kept my records preventing progress in my issue.
Regards, [redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns. Your correspondence states that you paid your Torrid...
Credit Card bill on May 3, 2017, with a payment of $27.00, and again on June 3, 2017, with a payment of $67.00. After submitting the payments, you received a letter from the Bank informing you that the Bank did not receive payment as of May 2017, the funds were returned to your [redacted] account, and your account would be assed late fees and finance charges. Additionally, you state that the returned funds have not appeared in your [redacted] account as of June 19, 2017. You are requesting that $119.00 be returned, and that your account be closed. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement (CCA). We have reviewed your account and would like to offer the following information: • On March 22, 2017, your Torrid account was opened and a retail purchase was made in the amount of $119.38. • On April 4, 2017, a mail order purchase was made in the amount of $90.39. • On April 21, 2017, a payment was submitted in the amount of $27.00. • On April 18, 2017, a late fee in the amount of $27.00 was assessed to the account due to non-receipt of payment by the April 18, 2017 payment due date. • On April 22, 2017, a finance charge in the amount of $3.79, and an Account Assure premium fee in the amount of $4.24 were charged to the account. • On May 1, 2017, a payment in the amount of $27.00 was returned due to insufficient funds at the bank from which funds were withdrawn. • On May 23, 2017, a finance charge in the amount of $5.25 was assessed to the account. • On June 2, 2017, a payment was submitted in the amount of $67.00. • On June 9, 2017, a payment in the amount of $67.00 was returned due to insufficient funds at the bank from which funds were withdrawn, and a returned payment fee was assessed to the account in the amount of $25.00. • On June 22, 2017, a finance charge in the amount of $5.26 was assessed to the account. Please understand that returned payments noted on a customer’s account reflect that the customer’s bank returned the payment, and the payment was not received. In the event of a returned payment, the Bank does not receive or retain any of the customer’s funds. For detailed information regarding the reason for a returned payment, you will need to contact your bank directly. Your account was closed per your request on June 27, 2017. Please keep in mind that closure of the account does not discharge the account balance. If closed, the credit card can no longer be used for purchases; however, the account holder is still responsible for paying any remaining balance on the account. These policies are explained in detail in the Credit Card Agreement (CCA), a copy of which is enclosed. We respectfully decline to remove the balance or fees on the account as they are valid. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
I still haven't been able to sign in to an account. I did call Comentity Bank and Paid $37 which is the $29.95 with interest. So, that was 2-3 days ago, so as the letter reads "they have not received a payment" is a lie. The payment was in the form of a debit card from [redacted]
Regards, [redacted]
Dear staff I took the offer from the customer care team where they established they will close the account with what I have paid with is what it was suppose to be done as the account was paid in full. However the recovery team wants me to pay 87.18 in order to stop further collections to which I do not agree. I do not have to pay that account two or three times at all. I will disregard this notice from them. As a matter of facts what I will do is send them a reply with the copies of their customer care team to leave me alone and in peace and to not bother me any bother any more. It surely has been hell dealing with commenity bank and Jessica London an account that I even hardly used. Best regards; [redacted]###-###-####
Dear [redacted]:Comenity Bank (Bank) has received your additional correspondence regarding the above referencedaccount. Comenity Bank issues the Kay Jewelers credit card. We are here to answeryour questions and assist with your concerns.We previously received and responded to your correspondence submitted to the Better BusinessBureau regarding this same matter. Please find enclosed a copy of our response dated February6, 2018.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer ResponsesEnclosurecc: Revdex.com
[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]
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 Ms. [redacted]: We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Woman Within® credit card accounts, and we are here to assist you with all account-related questions or concerns. I appreciate the...
opportunity to respond to your concerns. We understand from your complaint that you placed an order on June 18, 2015, and cancelled this order on the same day. You state that you later received the cancelled order, and refused the package. Your complaint states that you have received conflicting information from customer service at Woman Within and Comenity Bank. You later contacted the Woman Within® credit card department and spoke with various representatives and were advised that you would have a zero balance once the credits have been applied. You have continued to receive collection calls and billing statements that include late fees. You would like the fees credited, to provide you with a zero balance, no further contact from the business, and your account closed. We have researched your account, and I am happy to share our findings. Please note that Woman Within and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to the Woman Within® credit card account. Woman Within is responsible for handling matters related to sales, merchandise processing, returns and shipping. Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling. When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded. In addition, if the provided return label is used to return the package, the return label fee is also charged to the account. Bank records indicate, you have two charges processed to your Woman Within® account from Woman Within. I have enclosed copies of your billing statements which show the account activity that comprised the account balance. We contacted Woman Within on your behalf, and they advised the Bank that you submitted your order online on June 18, 2015. You later contacted their customer service department by telephone on June 18, 2015, because your order was submitted without the promotion code for free shipping and free return. The order was processing to ship and you were informed that the postage adjustment would be made after the order was shipped. Bank records indicate that the coupon adjustment was completed on June 25, 2015, in the amount of $7.99, which appears on your July 2015 billing statement. The merchandise shows as delivered, and Woman Within has advised the Bank that they have not received any returns or refused packages. Based on this information, the Bank finds the balance to be valid, and we are unwilling to refund any charges pertaining to the balance. Please be advised, should the account exceed six consecutive billing cycles past due, the account will be permanently closed, written-off, and reported to the national credit-reporting agencies as an unpaid debt. This information could remain on your credit report for up to seven years. Per your request, a cease and desist status has been placed on your account(s). This cease and desist request will stop all future collection calls, but it will also suspend authorizations for new purchases on all of your accounts since we will be unable to contact you. You will continue to receive certain legal communications as permitted by law. Your request to cease and desist contact on your account(s) may be changed at any time by contacting us in writing at the below address: Comenity Bank P.O. Box 182273 Columbus, OH 43218-2273 Additionally, per your request, the account was closed on January 5, 2016. If you have further questions regarding the merchandise billed to your account, please contact Woman Within at ###-###-####. We hope you find this information to be helpful. Should you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). It is often easier to resolve a matter, if we can discuss it. Please contact me if you feel this matter has not been properly resolved. I will be happy to assist you. Sincerely, Amanda R**
I have a record of dozens of calls from Comenity to my number they say does not exit in their records. Easy way to deal with this fact to keep saying they don't have a record - i.e. "I know nussing (sic)".Not reputable as far as I am concerned.No further correspondence is necessary until Comenity deals with the facts that I have gotten these calls from them.
Regards, [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 [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]
Dear [redacted]: We recently received a complaint, addressed to the Revdex.com, regarding your Christopher & Banks credit card account. Comenity Bank, formally known as World Financial Network National Bank, issues Christopher & Banks credit card accounts, and we respond...
to all account-related inquiries. I appreciate the opportunity to assist you. We understand your concerns outlined in your complaint, and we sincerely apologize for any frustration or confusion you may have experienced, as a result of receiving a mailer from the Bank. After a thorough investigation, our records indicate the Christopher & Banks credit card account was opened March 20, 2014, in the name of [redacted]; use of the account or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA) indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase of $72.71 was applied to the account on November 25, 2014, and the last payment of $52.72 was received on January 2, 2015. For your review, we have enclosed a copy of the CCA, copies of the sales receipts provided by Christopher & Banks, along with copies of the monthly billing statements, which show the account activity that comprised the account balance, which were reported to the credit bureaus. We hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,
[redacted] Consumer Relations Specialist
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding theapplication referenced above. Comenity Bank issues Woman Within@ credit card accounts, andwe are here to assist you with all application-related questions or concerns. I appreciate theopportunity to...
respond to your concerns.We understand from your complaint that you never applied for a Woman Within@ account.The Bank has looked into the application, and we have removed the inquiry that was reportingto the credit-reporting agencies. Please allow the credit bureaus 45 days to update theirrecordsWe hope this information is helpful. Should you have any further questions regarding this letter,please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,[redacted]Consumer Relations Specialist
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
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. Thank you very much for your detailed investigation and findings. Thank you for your quick response. I appreciate it so much!
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] Comenity Bank (Bank) has received your correspondence regarding the above-noted accounts. Comenity Bank issues the Torrid, Ashley Stewart, and Lane Bryant credit cards. We are here to answer your questions and assist with your concerns. We understand from...
your complaint that you and your family members are receiving phone calls, and that you were not happy with the level of service you received while speaking with the Bank regarding the status of your accounts. We apologize for the inconvenience this matter may have caused you. Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account using the telephone numbers that have been provided to the Bank for contact. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempts to communicate are successful. Please be assured that all of the telephone numbers listed in the Banks records for the above-referenced accounts have been marked “Do Not Call”; this includes the telephone numbers ending in [redacted], [redacted], and [redacted]. Therefore, you should no longer receive any telephone calls regarding the above-referenced accounts. We have reviewed the applicable telephone conversation. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H[redacted]
We received your complaint, regarding the above-referenced account. Comenity Bank issues Bealls credit cards, and we are here to help answer your account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We...
understand from your complaint that you are requesting all collections notifications be directed by mail and not by phone. Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempts to communicate are successful. Please be advised that we have updated the phone numbers ending in [redacted] so no further collection calls are made to this number. Bank records indicate your Bealls credit card account is two billing periods past due. Please note, should an account exceed six consecutive billing periods past due, the account would be permanently closed and written off, due to non-payment, and reported to the national credit reporting agencies as an unpaid debt. Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditors. We support and participate in the programs provided by CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####. I hope the information I provided is helpful. Should you have any further questions or concerns about the accounts, please contact me at ###-###-####. I would be happy to assist you. Sincerely, Kristina W
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]