Yes the case has been resolved. Brylane Home wrote off what I thought were unfair charges (after I paid for the merchandise.) They even invited me to open another account (appreciate my business) Thank you very much for your help. I believe they would have continued to harass me with 5 phone calls a day if you hadn't intervened. Sincerely,[redacted]
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
Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Williams Sonoma Visa® credit card. We are here to answer your questions and assist with your concerns.We understand from your correspondence, you made a $21.45 purchase and did not receive your statements. After noticing an issue on your credit report, the account was paid; however, the account was charged late fees and finance charges. You are requesting a refund of the fees, and the account closed.Bank records indicate that the Williams Sonoma [redacted] account was opened on June 22, 2013. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicated your acceptance of the terms of the Agreement, including the assessment of any finance charges and fees.The account billed on March 26, 2017, with a balance of $21.45 and a minimum payment of $21.45 due by April 21, 2017. As no payment was received, the account was assessed late fees and finance charges.Our records further indicate your statements were sent electronically. Please be advised statement ready email (SRE), notifications were sent to [redacted], which is the e-mail address you provided. The Bank has no record of your SRE notifications being returned as undeliverable.On June 1, 2017, a payment of $80.35 was received. On June 2, 2017, a $33.45 late fee and a $2.00 finance charge were waived, as a courtesy.In the interest of customer service, the Bank issued an additional credit of $21.45 for the late fee that was previously assessed to your account. As a result of the credit balance on the account, we have issued a refund check for $56.90. Please allow up to 14 business days to receive the check, which will be mailed separately from this correspondence.We have also contacted the national credit-reporting agencies and requested to have the negative payment history that was reported for May 2017, deleted from your credit bureau report. Please allow the credit agencies 45 days to update their records.As requested, the account was closed on June 16, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Tionna M[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
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 [redacted], Thank you for passing along [redacted] communication. We reached out to her via email and provided an explanation.We understand Ms. [redacted] returned merchandise for an exchange. She states she did not receive an exchange for the items but still got charged and is...
being charged $23.29 plus a late fee. Ms. [redacted] is requesting to have the charge and late fee removed. Our records indicate Ms. [redacted] contacted our contact center on 2/20/17 regarding her exchange. She was advised the merchandise she returned for an exchange was received on 12/09/16 and a refund in the amount of $31.14 was issued to her Woman Within credit card. Unfortunately, the new size she requested for an exchange was sold out. Our customers are not charged for merchandise until it is shipped; therefore, she was not charged for the exchange.FullBeauty Brands (d/b/a Woman Within) cannot assist Ms. [redacted] with her Woman Within credit card. Comenity Bank is an unrelated third party and FullBeauty Brands (d/b/a Woman Within) does not have the ability to accept payments or remove fees and interest. We ask that Ms. [redacted] and your office work directly with Comenity Bank if she needs further assistance with this matter.Comenity's Contact information is as follows:Comenity Bank[redacted]
[redacted]
[redacted]We thank Ms. [redacted] for taking the time to inquire and trust that we provided the information required to resolve this matter. Please feel free to let me know if you have any other questions.Sincerely,Jasmine D[redacted] FullBeauty Brands Executive CommunicationsOffice: ###-###-#### | Fax: ###-###-####
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]
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 Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues your Woman Within® credit card account, and we are here to assist you with all account-related questions. I appreciate the...
opportunity to respond to your concerns. We understand from your complaint that you placed an order on November 7, 2014 for $49.97, but you are stating that you never received the items. You have disputed this charge in the past but you were deemed responsible for the transaction. You would like to have the account balance adjusted to zero, and the negative payment information, from January 2015 through present day, removed from the national credit-reporting agencies. I apologize for any frustration or inconvenience this matter may have caused you. Please note that Comenity Bank and Woman Within are two separate entities. The Bank is responsible for addressing questions related to your credit card account. Woman Within is responsible for handling matters related to sales, merchandise processing, returns and shipping. I have spoken to Woman Within on your behalf and, in the interest of customer service, Comenity Bank is not holding you responsible for the remaining balance on the account. The Bank and Woman Within have issued credits to your account to adjust your account balance to $0.00. Please be assured, notification has been sent to the national credit-reporting agencies to remove the negative payment information, regarding your Woman Within® account, that was reported on your credit bureau report. Please allow the credit bureaus up to 45 days to update their records. You are a valued customer and we hope this information is helpful. Should you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Amanda R[redacted]
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Total Rewards Visa® credit card. We are here to answer yourquestions 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 sent to you onMarch 14, 2017.As indicated in the previous response, after a thorough review of the account, our records indicatethat there is no current offer for a balance transfer available, nor was there a previous offer of abalance transfer option for this account. We respectfully decline to allow you to do a balancetransfer at this time.this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee S[redacted]
We received your complaint, submitted to the Revdex.com, regarding the above-noted...
account. Comenity Bank issues Victoria’s Secret Angel credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist you.
Your complaint states that when speaking to a Comenity Bank associate you were met with rude and disrespectful treatment. You indicated that you made payment(s) using your boyfriend’s financial account, which was questioned by his bank, and the payments were returned, but the payments have since been made. You ask that Comenity Bank discuss the training opportunities with the associates.
Bank records indicate that you have two Victoria’s Secret Angel accounts. The account ending in [redacted] was closed at your request on January 26, 2015, although, you were still paying on the balance. In the process, you opened a new Victoria’s Secret Angel account ending in [redacted] and made two purchases ($84.15 and $168.61).
On February 8, 2015, you scheduled an online payment for $104.49 to the account ending in [redacted] The payment was returned because the financial institution was advised that the payment was not authorized. On March 17, 2015, you scheduled another online payment for $213.43. This payment was returned on March 21, 2015, because the financial institution was advised that the payment was not authorized. On April 6, 2015, another online payment was scheduled for $213.43, which has posted to the account, and the balance is zero.
On March 17, 2015, you scheduled an online payment for $84.15 to the account ending in [redacted]. The payment was returned on March 21, 2015, because the financial institution advised that the payment was not authorized. A $252.76 payment posted to this account on April 12, 2015. As of today’s date the current balance is zero.
We researched our records for the telephone call(s) in question. We were able to find four calls that you made to Comenity Bank on April 8, 2015. However, the calls were placed through the Bank’s IVR system, and the Privacy Statement option was chosen on all four. We have no record that you spoke to a Bank associate.
Although, we were unable to locate the call you mentioned in your correspondence, we want to assure you that it is never the intention of Comenity Bank to cause a customer a hardship. We feel our associates are knowledgeable and courteous. Comenity Bank strives to provide world-class service. The situation you have described is not a typical example of what our Bank offers, and we sincerely apologize if you felt disrespected at any time. We appreciate your feedback. If you have the name of the associate you spoke to, we would be happy to further investigate this situation.
Again, we apologize for any negative experience you may have had, and you are a valued customer. Should you have additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
Dear Ms. [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you made a purchase in your local retail store and at that time you were offered a magazine subscription and you declined the offer. After reviewing the second statement you noticed that you were charged for the magazine subscriptions that you did not authorize. You are requesting that the balance on the account is zero and also asking for the refund of the payment of $26.33 is refunded to you due to the account was paid in full. I am happy to share my findings with you. When customers make purchases, they are offered an optional magazine subscription. This product is offered through Synapse Retail Ventures, a third party vendor. Please be advised that Synapse Retail Ventures and Comenity Bank are separate entities. Generally, this magazine service includes a free trial period which is disclosed during the enrollment offer. If the magazine enrollment is not cancelled by the end of the trial period, charges for the magazine subscriptions will be applied to the avenue account. Our records indicate that $84.83 in magazine subscription charges were assessed to your account. After a thorough review of the account, credits totaling $41.33 were issued on July 10, 2015, for the payment that was made on May 1, 2015, and the pay by phone fee that was assessed to the account due to this issue. Additionally, Synapse Retail Ventures has issued credits in the amount of $84.83 for the magazine subscription charges which were assessed. Due to the adjustments which were made, your account has a credit balance of $41.33. Because your account has a credit balance, we have requested that a refund check of $41.33 be sent to you. Please allow 14 business days, to receive your refund check, by separate mailing. You are a valued customer and we hope you find this information helpful. Should you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues 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
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]
* Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Woman Within credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you have a credit...
limit of $500.00 and your account is showing a balance of $352.20; however, your available credit is only $7.00. You state that you were advised you had a pending transaction for $141.00 and that it was on deferred billing for 90 days. You state you returned the order; therefore, you are requesting to have your available credit limit corrected. We apologize for the inconvenience you have experienced regarding this matter. Bank records indicate that a purchase for $141.00 was made on April 5, 2017, scheduled to be billed to your account on July 7, 2017. While this purchase was deferred, your available credit on your account was reduced by the sum amount of the unbilled charges. Your return was processed on April 24, 2017, and a charge for $119.48 was applied to your account. Also, on that same day, a credit for $103.49 was applied to your account. On April 27, 2017, a credit of $15.99 was applied to your account. Please be assured that these transactions have corrected the available credit on your account. The available credit limit on your account as of May 15, 2017, is $141.00. 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]
December 28, 2017
[redacted]Ref. No.: [redacted]Dear [redacted]:Comenity Bank has received correspondence regarding the above-referenced account. Comenity Bank issues the Bealls credit card...
accounts. We are here to answer your questions and assist with your concerns.We understand from your correspondence that you are disputing the magazine subscription charges on your account, and that you would like your credit report fixed. We understand your concerns and apologize for any frustration or inconvenience this matter may have caused you.Please be advised that we received your dispute. Please be assured our dispute resolution team is currently working to resolve your dispute. Please also be aware, dispute investigations may take up to ninety days to complete. Upon completion of our investigation, we will notify you of our findings by mail. We appreciate your patience while we conduct our investigation.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact customer care at the phone number on the back of your credit card or billing statement.Sincerely,Jenny V[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
I am rejecting this response because: I am not disputing Victoria Secrets. I am disputing my Maurices bill!!! You need to re read the compliant!! I never said anything about Victoria Secrets , however I did about Maucrices. I Think you should reread the complaint again. Everything that you talked about in your response is what I complained about with my Maurices account. Please re -read the complaint.
Regards, [redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Peebles credit card. We are here to answer your questions and assist with yourconcerns.We understand from your complaint that you sent your check two weeks prior...
to your due date. You statethat this has happened before and the Bank refunded the late fee. You state that you were rudely told thatnothing could be done. Furthermore, you are requesting to have the late fee refunded.Bank records indicate your payment due date is the third of every month. The Peebles account is a regularrevolving account, which means that if there is a balance, a minimum payment is required each billingperiod. Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explained in the CreditCard Agreement.Due to a late fee credit that was issued to the account on April 15, 2016, your account is not eligible to havean additional late fee credited.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.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Rosa M[redacted]
Dear [redacted]:
We received the inquiry you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Your inquiry was forwarded to Comenity Bank. Comenity Bank issues the VICTORIA’S SECRET credit card, and we are here to help answer your account-related questions. I appreciate the opportunity to assist you with your concerns.
We previously received and responded to your correspondence submitted to the Revdex.com regarding this same matter. Please find enclosed a copy of our response sent to you on August 9, 2016.
As outlined in our previous correspondence, Bank records confirm the balance and fees as valid. Our decision remains the same; therefore, we are unwilling to have the account reopened or the fees removed.
Your account balance is $1,091.21 and we recommend you contact our Recovery team at ###-###-#### (TDD/TTY ###-###-####) for payment arrangements.
I hope this information is helpful. If you have any further questions, please contact our Recovery team at the number above.
Sincerely,
Jack C[redacted]Consumer Relations Specialist
cc: Revdex.com
Enclosure
....
Yes the case has been resolved. Brylane Home wrote off what I thought were unfair charges (after I paid for the merchandise.) They even invited me to open another account (appreciate my business) Thank you very much for your help. I believe they would have continued to harass me with 5 phone calls a day if you hadn't intervened. Sincerely,[redacted]
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
Comenity...
Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Williams Sonoma Visa® credit card. We are here to answer your questions and assist with your concerns.We understand from your correspondence, you made a $21.45 purchase and did not receive your statements. After noticing an issue on your credit report, the account was paid; however, the account was charged late fees and finance charges. You are requesting a refund of the fees, and the account closed.Bank records indicate that the Williams Sonoma [redacted] account was opened on June 22, 2013. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicated your acceptance of the terms of the Agreement, including the assessment of any finance charges and fees.The account billed on March 26, 2017, with a balance of $21.45 and a minimum payment of $21.45 due by April 21, 2017. As no payment was received, the account was assessed late fees and finance charges.Our records further indicate your statements were sent electronically. Please be advised statement ready email (SRE), notifications were sent to [redacted], which is the e-mail address you provided. The Bank has no record of your SRE notifications being returned as undeliverable.On June 1, 2017, a payment of $80.35 was received. On June 2, 2017, a $33.45 late fee and a $2.00 finance charge were waived, as a courtesy.In the interest of customer service, the Bank issued an additional credit of $21.45 for the late fee that was previously assessed to your account. As a result of the credit balance on the account, we have issued a refund check for $56.90. Please allow up to 14 business days to receive the check, which will be mailed separately from this correspondence.We have also contacted the national credit-reporting agencies and requested to have the negative payment history that was reported for May 2017, deleted from your credit bureau report. Please allow the credit agencies 45 days to update their records.As requested, the account was closed on June 16, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Tionna M[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
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 [redacted], Thank you for passing along [redacted] communication. We reached out to her via email and provided an explanation.We understand Ms. [redacted] returned merchandise for an exchange. She states she did not receive an exchange for the items but still got charged and is...
being charged $23.29 plus a late fee. Ms. [redacted] is requesting to have the charge and late fee removed. Our records indicate Ms. [redacted] contacted our contact center on 2/20/17 regarding her exchange. She was advised the merchandise she returned for an exchange was received on 12/09/16 and a refund in the amount of $31.14 was issued to her Woman Within credit card. Unfortunately, the new size she requested for an exchange was sold out. Our customers are not charged for merchandise until it is shipped; therefore, she was not charged for the exchange.FullBeauty Brands (d/b/a Woman Within) cannot assist Ms. [redacted] with her Woman Within credit card. Comenity Bank is an unrelated third party and FullBeauty Brands (d/b/a Woman Within) does not have the ability to accept payments or remove fees and interest. We ask that Ms. [redacted] and your office work directly with Comenity Bank if she needs further assistance with this matter.Comenity's Contact information is as follows:Comenity Bank[redacted]
[redacted]
[redacted]We thank Ms. [redacted] for taking the time to inquire and trust that we provided the information required to resolve this matter. Please feel free to let me know if you have any other questions.Sincerely,Jasmine D[redacted] FullBeauty Brands Executive CommunicationsOffice: ###-###-#### | Fax: ###-###-####
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]
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 Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues your Woman Within® credit card account, and we are here to assist you with all account-related questions. I appreciate the...
opportunity to respond to your concerns. We understand from your complaint that you placed an order on November 7, 2014 for $49.97, but you are stating that you never received the items. You have disputed this charge in the past but you were deemed responsible for the transaction. You would like to have the account balance adjusted to zero, and the negative payment information, from January 2015 through present day, removed from the national credit-reporting agencies. I apologize for any frustration or inconvenience this matter may have caused you. Please note that Comenity Bank and Woman Within are two separate entities. The Bank is responsible for addressing questions related to your credit card account. Woman Within is responsible for handling matters related to sales, merchandise processing, returns and shipping. I have spoken to Woman Within on your behalf and, in the interest of customer service, Comenity Bank is not holding you responsible for the remaining balance on the account. The Bank and Woman Within have issued credits to your account to adjust your account balance to $0.00. Please be assured, notification has been sent to the national credit-reporting agencies to remove the negative payment information, regarding your Woman Within® account, that was reported on your credit bureau report. Please allow the credit bureaus up to 45 days to update their records. You are a valued customer and we hope this information is helpful. Should you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Amanda R[redacted]
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Total Rewards Visa® credit card. We are here to answer yourquestions 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 sent to you onMarch 14, 2017.As indicated in the previous response, after a thorough review of the account, our records indicatethat there is no current offer for a balance transfer available, nor was there a previous offer of abalance transfer option for this account. We respectfully decline to allow you to do a balancetransfer at this time.this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee S[redacted]
Dear [redacted]:
We received your complaint, submitted to the Revdex.com, regarding the above-noted...
account. Comenity Bank issues Victoria’s Secret Angel credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist you.
Your complaint states that when speaking to a Comenity Bank associate you were met with rude and disrespectful treatment. You indicated that you made payment(s) using your boyfriend’s financial account, which was questioned by his bank, and the payments were returned, but the payments have since been made. You ask that Comenity Bank discuss the training opportunities with the associates.
Bank records indicate that you have two Victoria’s Secret Angel accounts. The account ending in [redacted] was closed at your request on January 26, 2015, although, you were still paying on the balance. In the process, you opened a new Victoria’s Secret Angel account ending in [redacted] and made two purchases ($84.15 and $168.61).
On February 8, 2015, you scheduled an online payment for $104.49 to the account ending in [redacted] The payment was returned because the financial institution was advised that the payment was not authorized. On March 17, 2015, you scheduled another online payment for $213.43. This payment was returned on March 21, 2015, because the financial institution was advised that the payment was not authorized. On April 6, 2015, another online payment was scheduled for $213.43, which has posted to the account, and the balance is zero.
On March 17, 2015, you scheduled an online payment for $84.15 to the account ending in [redacted]. The payment was returned on March 21, 2015, because the financial institution advised that the payment was not authorized. A $252.76 payment posted to this account on April 12, 2015. As of today’s date the current balance is zero.
We researched our records for the telephone call(s) in question. We were able to find four calls that you made to Comenity Bank on April 8, 2015. However, the calls were placed through the Bank’s IVR system, and the Privacy Statement option was chosen on all four. We have no record that you spoke to a Bank associate.
Although, we were unable to locate the call you mentioned in your correspondence, we want to assure you that it is never the intention of Comenity Bank to cause a customer a hardship. We feel our associates are knowledgeable and courteous. Comenity Bank strives to provide world-class service. The situation you have described is not a typical example of what our Bank offers, and we sincerely apologize if you felt disrespected at any time. We appreciate your feedback. If you have the name of the associate you spoke to, we would be happy to further investigate this situation.
Again, we apologize for any negative experience you may have had, and you are a valued customer. Should you have additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
Sincerely,
[redacted]
Consumer Relations Specialist
Dear Ms. [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you made a purchase in your local retail store and at that time you were offered a magazine subscription and you declined the offer. After reviewing the second statement you noticed that you were charged for the magazine subscriptions that you did not authorize. You are requesting that the balance on the account is zero and also asking for the refund of the payment of $26.33 is refunded to you due to the account was paid in full. I am happy to share my findings with you. When customers make purchases, they are offered an optional magazine subscription. This product is offered through Synapse Retail Ventures, a third party vendor. Please be advised that Synapse Retail Ventures and Comenity Bank are separate entities. Generally, this magazine service includes a free trial period which is disclosed during the enrollment offer. If the magazine enrollment is not cancelled by the end of the trial period, charges for the magazine subscriptions will be applied to the avenue account. Our records indicate that $84.83 in magazine subscription charges were assessed to your account. After a thorough review of the account, credits totaling $41.33 were issued on July 10, 2015, for the payment that was made on May 1, 2015, and the pay by phone fee that was assessed to the account due to this issue. Additionally, Synapse Retail Ventures has issued credits in the amount of $84.83 for the magazine subscription charges which were assessed. Due to the adjustments which were made, your account has a credit balance of $41.33. Because your account has a credit balance, we have requested that a refund check of $41.33 be sent to you. Please allow 14 business days, to receive your refund check, by separate mailing. You are a valued customer and we hope you find this information helpful. Should you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues 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
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]
* Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Woman Within credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you have a credit...
limit of $500.00 and your account is showing a balance of $352.20; however, your available credit is only $7.00. You state that you were advised you had a pending transaction for $141.00 and that it was on deferred billing for 90 days. You state you returned the order; therefore, you are requesting to have your available credit limit corrected. We apologize for the inconvenience you have experienced regarding this matter. Bank records indicate that a purchase for $141.00 was made on April 5, 2017, scheduled to be billed to your account on July 7, 2017. While this purchase was deferred, your available credit on your account was reduced by the sum amount of the unbilled charges. Your return was processed on April 24, 2017, and a charge for $119.48 was applied to your account. Also, on that same day, a credit for $103.49 was applied to your account. On April 27, 2017, a credit of $15.99 was applied to your account. Please be assured that these transactions have corrected the available credit on your account. The available credit limit on your account as of May 15, 2017, is $141.00. 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]
December 28, 2017
[redacted]Ref. No.: [redacted]Dear [redacted]:Comenity Bank has received correspondence regarding the above-referenced account. Comenity Bank issues the Bealls credit card...
accounts. We are here to answer your questions and assist with your concerns.We understand from your correspondence that you are disputing the magazine subscription charges on your account, and that you would like your credit report fixed. We understand your concerns and apologize for any frustration or inconvenience this matter may have caused you.Please be advised that we received your dispute. Please be assured our dispute resolution team is currently working to resolve your dispute. Please also be aware, dispute investigations may take up to ninety days to complete. Upon completion of our investigation, we will notify you of our findings by mail. We appreciate your patience while we conduct our investigation.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact customer care at the phone number on the back of your credit card or billing statement.Sincerely,Jenny V[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
I am rejecting this response because: I am not disputing Victoria Secrets. I am disputing my Maurices bill!!! You need to re read the compliant!! I never said anything about Victoria Secrets , however I did about Maucrices. I Think you should reread the complaint again. Everything that you talked about in your response is what I complained about with my Maurices account. Please re -read the complaint.
Regards, [redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Peebles credit card. We are here to answer your questions and assist with yourconcerns.We understand from your complaint that you sent your check two weeks prior...
to your due date. You statethat this has happened before and the Bank refunded the late fee. You state that you were rudely told thatnothing could be done. Furthermore, you are requesting to have the late fee refunded.Bank records indicate your payment due date is the third of every month. The Peebles account is a regularrevolving account, which means that if there is a balance, a minimum payment is required each billingperiod. Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explained in the CreditCard Agreement.Due to a late fee credit that was issued to the account on April 15, 2016, your account is not eligible to havean additional late fee credited.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.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Rosa M[redacted]
Dear [redacted]:
We received the inquiry you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Your inquiry was forwarded to Comenity Bank. Comenity Bank issues the VICTORIA’S SECRET credit card, and we are here to help answer your account-related questions. I appreciate the opportunity to assist you with your concerns.
We previously received and responded to your correspondence submitted to the Revdex.com regarding this same matter. Please find enclosed a copy of our response sent to you on August 9, 2016.
As outlined in our previous correspondence, Bank records confirm the balance and fees as valid. Our decision remains the same; therefore, we are unwilling to have the account reopened or the fees removed.
Your account balance is $1,091.21 and we recommend you contact our Recovery team at ###-###-#### (TDD/TTY ###-###-####) for payment arrangements.
I hope this information is helpful. If you have any further questions, please contact our Recovery team at the number above.
Sincerely,
Jack C[redacted]Consumer Relations Specialist
cc: Revdex.com
Enclosure