Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referencedcredit accountComenity Capital Bank issues Ideal Image credit card accounts, andwe are here to assist you with all account-related questionsI appreciate the opportunity torespond to your concerns.We understand from your inquiry that you signed up for Cool Sculpting after you were advisedthat it was the last day to receive 25% offAfter further research you found out that the 25%discount was continuous, and that there are possible issues with the procedure.You are requesting that we credit the Ideal Image credit card account the full amount charged,as you do not wish to have the procedure.Please understand that Comenity Capital Bank and Ideal Image are two separate entitiesTheBank is responsible for addressing questions related to the credit card account, while IdealImage is responsible for handling matters related to sales, merchandise processing, and returns.To cancel the Cool Sculpting procedure, and receive a credit to your account, you would need tocontact the location directlyPlease find the location information below:ldeal Image [redacted] We hope you find this information to be helpfulShould you have any further questions; pleasecontact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happyto assist you.Sincerely,Diamond L***
I did not receive a January billing statement since I did not have a balance on the account at that time The process change was very misleading and that is why I am complaining I would be happy to discontinue the deferred interest but I do not want to incur interest charges on the entire balance for the last two months, which would effectively negate any rewards points I have accrued I am extremely unhappy with their customer service and will be paying the balance in full and canceling my account Regards, [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveComenity Bank issues Woman Within® credit card accounts, and we are here to assist you with all account-related questionsI appreciate the opportunity to respond to your concernsWe understand from your complaint that you have been assessed late fees, even though you made a payment prior to receiving the billYou are requesting that the late fees be removed, any negative reporting to the credit-reporting agencies cleared up and your account to be closedPlease review our record of your due dates and the payments we have received: Statement Date Due Date Payment Received Date Payment Amount February 4, March 1, February 25, $March 6, April 1, April 5, $April 5, May 1, No Payment $May 6, June 1, May 17, $& $If you believe you have made payments, in addition to the payments provided above, we recommend that you contact your personal banking institution, or money order provider, for verificationIf a payment is confirmed, please provide a copy of the front and back of the missing payment, and we will be glad to research and update your account accordinglyYour payment is due each month by the 1st of the monthPlease keep in mind 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 and finance charge, as explained in the Credit Card Agreement (CCA)We have enclosed copies of the billing statements, which show the account activity that comprised the account balanceAfter researching the account, in the interest of customer service, we issued credits totaling $to remove the late fees that were assessed to your accountThese credits, along with an overpayment of $resulted in a $credit balance on your accountBank records indicate a refund check was issued to you on June 21, 2016, and has been paidAs of the date of this letter, your account is closed and has a zero balancePlease be advised, no negative information regarding the account referenced above was reported to the credit bureausI hope this information is helpfulIf you have any further questions regarding your Woman Within® account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Amanda R**
Dear [redacted] Comenity Bank (Bank) has received your correspondenceWe are here to answer your questions and assist with your concernsWe would like to assist you in resolving this matterUnfortunately, we are unable to locate the account you are referencing in your correspondence based on the information providedIn order to investigate your concerns, please provide your account number, copies of your billing statements, and/or a copy of your credit bureau report showing your accountOnce this information has been received, we will be able to further investigatePlease send this information to my attention at the address shown aboveIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Rosa M [redacted]
Delete this account from all three of the credit bureausThis account has been reported wrong since for more than years and it has caused me more than enough problems By correcting Equifax it's not going to solve anything because Experian and Transunion are showing the same as wellBy making the changes now it will make it worse for my credit because it will show as a new update Regards, [redacted]
I am rejecting this response because:The very least you can do for me is approve me for a credit card under Comenity BankIt is the only other way I will feel this is justifiedAlso, your employees on the phone never told me they would call me backThey told me to wait for a letter each time because they could not disclose my information or what was needed from me or the credit bureaus to move forwardMaybe if somebody from your company would have called me and let me know that there was an issue accessing my account--I could have contacted the credit bureaus myself and given permission as needed Regards, [redacted]
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Wayfair Card credit cardWe are here to answer your questions and assist with your concernsWe understand that you paid your account in full months ago, and the account is reporting a day delinquency on your credit reportYou advise that you never received notice of the delinquencyYou are requesting to have it completely removed from your credit reportAfter a review of our records payment was not made in January or February Notification of the delinquency and non-payment would have been reflected on your January and February billing statementsPlease be advised Bank records indicate your account was registered through our online Account Center on June 25, 2016, which provides account holders the ability to view statements and make payments onlineOn the same date, you enrolled in paperless statements, meaning you will receive your statements online versus postal mailWhen enrolled in paperless statements, we will send you a monthly Statement-Ready Email (SRE) notifying you the statement is available to be viewedA SRE was sent on January 29, 2017, and February 26, 2017, and we do not have record of emails being returned as undeliverable from the email address you providedIn the interest of customer service and as a courtesy, we sent a request to the credit reporting agencies to delete the delinquency reported in February Please allow up to days for the credit reporting agencies to update their recordsI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted] ***
they did not mention that when I called in after making the $payment that they stated there was no balance on the account now they want more moneyI never signed up for just to receive bills via email and I checked my junk folder and I do not see anything from the bankI will pay one last late fee but I refuse to pay for their lack of proper information given and also their lack of providing me any informationWhy would I attempt to pay off the balance and then make another payment after realizing that the bank made another error on giving me the incorrect pay off amount..Then I pay the $balance and the amount I already had to pay which I felt like I shouldn't have paid to begin withNow they want me to pay another $in feesRidiculous and disrespectful to a consumerAs you can see there are plenty of lawsuits and class action lawsuits against thins bank for their business practices Regards, [redacted]
Dear Ms [redacted] We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding PayPal CreditYour correspondence was forwarded to ComenityCapital BankThe PayPal Credit product is issued by Comenity Capital Bank andserviced by Bill Me Later, IncPayPal Credit is a payment option made available bymany merchants to their customers.Your complaint states you believe you entered into a payment plan with PayPal Creditwith the intent that the payment plan would keep your account openYou wereinformed by PayPal Credit your account was closedYou would like your account to bereinstated.On July 27, 2014, your account became past due and on August 8, 2014, PayPal Creditbegan calling you regarding your past due balanceNo payments were received onyour account between July 27, 2014, and October 26, In a phone call on October27, 2014, with PayPal Credit, a representative offered to enroll your account in anAccount Restructuring Program (ARP) to bring your account out of delinquencyYouwere advised late fees and interest would still accrue while you were enrolled in theARP.You agreed to the ARP and the representative helped schedule three payments of$each, to be paid on November 26, 2014, December 26, 2014, and January 26,The representative notified you that once the three scheduled payments weremade successfully, the terms of the ARP would conclude and your monthly minimumpayment due would be reduced to $35.00.Please note your account was closed on November 3, 2014, as it was days pastduePer paragraph of the Terms and Conditions of your account, "[ilf you are indefault, we may suspend or close your Account ...y ou will not be able to make newPurchases or Cash Advances but you still have to pay any remaining balance in full." Acopy of the Terms and Conditions are enclosed for your reference.Even with a closed account you are still expected to make the minimum payments.Enrollment in the ARP does not stop your account from closing if your account becomesdays past due during enrollmentAdditionally, successful completion of ARP doesnot reopen a closed accountOn January 26, 2015, you successfully made your thirdpayment in the ARP; therefore, your minimum payment was reduced to $a month,as reflected on your billing statement dated February 1, 2015.In a June 3, 2015, phone call with PayPal Credit, you were informed your account wasclosed in November when it fell days past dueYou were offered the option torequest to have your account reinstated which you acceptedThe same day, yourrequest for reinstatement was declined due to the delinquent history on your account,which you were informed of during a phone call with PayPal Credit on June 5, 2015,and in a letter dated June 9, 2015.At this time, PayPal Credit is unable to honor your request to reinstate your account atthis timeHowever, if you continue to establish a history of timely payments forapproximately three to six months, you may submit another request for reinstatement.We hope this letter explains and resolves this matter.Sincerely, [redacted] Compliance Dept- Consumer Responses`
I am the primary account holder of the Virgin America / Visa account discussed belowAt the request of Comenity Bank, I am writing to affirm earlier details provided by [redacted] ***, an authorized buyer on the account.With respect to the complaint (Reference ID [redacted] ), I am writing to validate that the facts described are absolutely correctTo re-summarize:- We were informed that our card had been compromised, resulting in the need to receive a new card and account number.- This shift in account numbers caused a disruption in the auto-payment system; in addition, new emailed statements were being labeled as spam and therefore not visible to us.- Our account was subsequently reported to the credit bureaus as days delinquentFull payment has since been provided.- We would like the negative reporting removedI have attached the supporting documentation we provided in connection with this complaintPlease let me know if we can offer additional information.Thank You, [redacted] ###-###-####
Dear [redacted] *** Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the EXPRESS NEXT credit cardWe are here to answer your questions and assist with your concernsThe Bank received your complaint in which you state that your account was assessed a late feeYou attempted to contact the Bank via our secure messaging center; however, you were advised to call our Customer Care teamYou are requesting that the Bank issue a credit for the late fee and send you a refund checkWe understand your concerns, and apologize for any frustration this may have caused youOur records indicate that on April 6, 2017, the Bank issued a statement showing a balance of $with a minimum payment of $due by May 2, The Bank received a payment of $on May 4, As a result of the payment being received after the due date, a late fee was assessed to your accountOn May 7, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by June 2, On May 13, 2017, a purchase of $posted to your accountIn addition the Bank received three return credits totaling $On June 2, 2017, the Bank received a payment of $30.73, which left a credit balance of $Although Comenity Bank did not find any billing errors with the account, we have issued a total credit of $30.73, for the previously assessed late fee and finance charge, resulting in an $credit balanceA refund check has been requestedPlease allow 10-days to receive the check under separate coverI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Jenny W*** Jenny W*** Compliance Dept– Consumer Responses
January 16, [redacted] Dear [redacted] :Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bankissues The RoomPlace credit card accountWe are here to answer your questions and assist with your concerns.Your complaint states that your account was charged a late fee and you contacted the Bank to have it removedand were advised that a credit would be issued to your account; however, the late fee was not credited to youraccountYou are requesting the Bank honor its word and issue a credit for the late fee that was assessed toyour accountI understand your concerns and apologize for any confusion or frustration this may have causedyou.Our records indicate a statement was issued to you on October 16, 2016, showing a balance of $and aminimum payment of $due by November 11, Please be advised the Bank did not receive a paymentby the due date and as a result, a late fee was assessed to your account.We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsBankrecords indicate you spoke with a Bank representative on December 2, During this call, you were advisedthe late fee was already credited to your accountWe apologize for the incorrect information that was providedto youPlease be advised the Bank has issued a credit of $for the late fee that was previously assessedto your accountThis credit will appear on your account within the next one-two billing statements.I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free tocontact me at ###-###-####.Sincerely, [redacted]
Dear Ms [redacted] : Thank you for contacting Comenity Capital Bank As the bank that issues HSN credit card accounts, we respond to all account-related concerns Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to assist you.We understand from your complaint that your HSN account was set up on a payment plan; however, due to the passing of your son, and only receiving short-term disability, you were unable to maintain the arrangements We further understand that you were notified that the account was closed and would be sent to a collection agency After speaking with a Bank representative, the only payment plan available was a three month arrangement to pay the balance in full You state that the Bank representatives are rude and refuse to make reasonable arrangements on the above-noted account Please note that you are a valued customer, and we are truly sorry to hear about the passing of your loved oneAfter a thorough investigation, Bank records confirm on July 1, 2014, the HSN account was enrolled in our Customer Hardship Program This program provides customers with six to twelve months of special terms in order to bring and keep their account current On July 3, 2014, a confirmation letter outlining the terms of enrollment and the stipulations regarding the termination of the program was mailed to your address Specifically, you were notified if two consecutive payments or three total payments were missed, the HSN account would be terminated from the program Please understand that Comenity Capital Bank categorizes returned checks as missed payments Enclosed, please find a copy of this letter, for your review.Our records further indicate on July 1, 2014, you contacted our office to change the banking information previously provided On November 3, 2014, December 3, 2014, and January 3, 2015, the Bank attempted to withdraw three payments of $each from your checking account; however, on November 7, 2014, December 9, 2014, and January 8, 2015, these payments were returned by your financial institution, due to insufficient funds As a result, the payments were added back into the HSN account balance, and the account was removed from the Hardship Program, due to unsuccessful completionOn September 7, 2015, the HSN account wrote-off, due to non-receipt of payment, with a balance of $1, The account is currently being managed by our Recovery Team To discuss suitable payment arrangements, we recommend that you contact our Recovery Team at ###-###-#### (TDD/TTY ###-###-####) for further assistance.Lastly, your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns Comenity Capital Bank is committed to providing the best customer service, and it is never our intentions to treat our customers in a less-than-satisfactory manner Calls and letters of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed.We hope you find this information helpful Should you have any further questions regarding the account, please contact our Recovery Team at the number listed aboveThey will be happy to assist you.Sincerely,Lauren S***
I understand that you are following your policy.I would be willing to pay the original late fee of $in order to settle the account Complaint: [redacted] I am rejecting this response because: Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountsComenity Bank issues the Victoria’s Secret Angel and Wayfair Card credit card accountsWe are here to answer your questions and assist with your concernsWe understand from your correspondence that you applied for a Victoria’s Secret Angel and a Wayfair Card account and you were approvedHowever, you later received a letter from the Bank asking for documentation, which you sentAfter receipt of your documentation, your accounts were closed, and you were advised the accounts could not be reopenedYou are requesting that the accounts be reopenedWe understand your concerns and apologize for any frustration or inconvenience this matter may have caused youBank records indicate that based on the information you provided, the accounts were permanently closedWe regret that we are unable to reopen your accounts; however, you may reapplyI hope you found this information to be helpfulShould you have any additional questions or concerns about the accounts, please contact our Account Protection Team at ###-###-####Sincerely, Jenny W [redacted]
Please see the attached responseThank you.Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenityBank issues the Victoria’s Secret credit cardWe are here to answer your questions and assist with yourconcerns.In the correspondence, you indicate you purchased three gift cards that did not have any value when they wereattempted to be usedYou state you were directed to return to the store; however, the store was unable to assistyou and advised you to contact the BankYou explain that when calling the Bank, a supervisor advised you thatyou would receive three new gift cards, which you never receivedYou are requesting three gift cards, valued at$eachYou are also requesting coupons for the sales missed during Christmas.Please note Comenity Bank and Victoria’s Secret are two separate entitiesThe Bank issues and is responsiblefor addressing questions related to your credit card accountVictoria’s Secret is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWeapologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in aless-than-satisfactory mannerWe are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not met.We understand your concern regarding the gift cards that had no valueWe attempted to contact you regardingthe gift cards; however, we were unsuccessfulWe contacted Victoria’s Secret on your behalf to investigate thismatterWe received notification that the three original gift cards ending in 1338, 7348, and 9085, were devaluedin errorVictoria’s Secret has placed the original $value on each gift cardFurthermore, as Victoria’sSecret is not able to replace any coupons you were not able to use, an additional $has been added toeach gift cardWe apologize for any inconvenience this has caused you and we thank you for your patiencewhile we worked to resolve this matter.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free tocontact me at (800) 820-8932.Sincerely,Nicole FCompliance Dept– Consumer Responses
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the NY&C Rewards credit cardWe are here to answer your questions and assist with your concernsYour complaint states that you were billed twice for the same transaction and that your bank called the store to resolve the issueYou also state that you have records to show you paidYou would like New York & Company to contact the debt collector and inform them that you do not owe any moneyPlease be advised that Comenty Bank and New York & Company are separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountNew York & Company is responsible for handling matters related to sales, merchandise processing, returns and shippingOur 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, Our understanding of your complaint is that you have a payment concern with the storeThe Bank is unable to assist you with a personal store related payment and we recommend that you contact them to further discuss your payment concernI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Shawnda Y***
Comenity Bank has received your complaint regarding the above-referenced accountComenityBank issues the Lane Bryant credit cardWe are here to answer your questions and assist withyour concerns.Your complaint states that you contacted the Bank, the late fees were removed from the account,and the account was bought currentHowever, your credit report still reflects a late payment andyou are requesting to have that removed, as the late fees were removed from your accountWeunderstand your concerns, and apologize for any inconvenience or frustration this matter mayhave caused you.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations, and found that on April 11, 2017, [redacted] contacted the Bank regarding theinformation appearing on her credit report [redacted] advised the Bank that she was anauthorized user on the account, and the account should not be on her creditPlease be advisedthat [redacted] was incorrectly advised to file a dispute with the national credit-reportingagenciesFurthermore, she requested that the late fees be removed from the account and shewas advised that the Bank needed to speak to you to make any adjustments on the account.Therefore, [redacted] did a conference call and, after the Bank representative verified yourinformation, a late fee was removed as a courtesy.Please understand that we are required to reflect the participation of both spouses on an accountif the accountholder’s spouse is permitted to use the account [redacted] is an authorized userof the account, and we are required to report the credit card account to the credit reportingagencies [redacted] ’s credit report will show she is an authorized user on the account and notcontractually liable for the balance dueIf you, or she, no longer wish to have this account reportedon her credit bureau report, please contact our Customer Care department at ###-###-#### tohave her removed as an authorized user from this account.Bank records further indicate that for the months of September through February 2017, theBank did not receive a payment on the accountAs a result, late fees were assessed to youraccountFurthermore, your account fell six billing periods past due and was reported to thenational credit-reporting agencies.Although, the Bank issued a credit of $to your account for one of the late fees, your paymenthistory was not updatedPlease be advised that we are only willing to remove or changeinformation that our company incorrectly furnished to the credit-reporting agenciesWe havefound the information we reported is an accurate reflection of the payment history for youraccountTherefore, this information will not be changed or removed from your credit bureaureport.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W***Jenny W***Compliance Dept– Consumer Responses
Dear [redacted] ***We received a complaint regarding the above-referenced accountComenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with account-related questionsThe complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.In order for us to process your dispute and for you to preserve your rights, we require written confirmation regarding the transaction(s) you are disputingPlease complete the form included with this letter.If any information is missing, this form may be returned and no dispute filedThis form must be received at the following address within days from the date on this letter or within days from date of the statement on which the disputed charges appear, whichever is later.Comenity Capital Bank – American Laser SkincarePO Box 182620Columbus, OH 43218-2620If you fail to return the form within the requested time, we will assume that you no longer wish to continue the dispute process, and your complaint will be considered voluntarily withdrawn.We apologize for any inconvenience this matter may have caused youShould you have any additional questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W [redacted] Cardholder Statement of Disputed Item(s)Customer Name: _________________________________________Card Number: ____________________________________________If disputing more than four transactions please provide on separate sheet of paper.Tran Date: ____________Tran Amount $_______________Tran Date: ____________Tran Amount $_______________Tran Date: ____________Tran Amount $_______________Tran Date: ____________Tran Amount $_______________I am disputing the above charges due to the following reason (CHECK ONLY ONE REASON)Cancellations, Returns or Not Received (Choose only one option)_____On (date) _____________ I cancelled the serviceMethod was (check one) _____in writing, ______in person, _____ _by phone, ______ by email_______._____ I did not receive service, that was to be provided on (date)____________Total number of treatment/services you were contracted for:_______________Total number of treatment/services you did not receive:______________Please list any additional information below that may assist us with resolving the dispute.________________________________________________________________________...⇄ (Not valid unless signed):__________________________________Date:_________________Please do not send in any copies of contracts for your treatments.Please return this form to the following address:Comenity Capital Bank- American Laser SkincareP.OBox Columbus, OH 43218-2620Cardholder Statement of Disputed Item(s)
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referencedcredit accountComenity Capital Bank issues Ideal Image credit card accounts, andwe are here to assist you with all account-related questionsI appreciate the opportunity torespond to your concerns.We understand from your inquiry that you signed up for Cool Sculpting after you were advisedthat it was the last day to receive 25% offAfter further research you found out that the 25%discount was continuous, and that there are possible issues with the procedure.You are requesting that we credit the Ideal Image credit card account the full amount charged,as you do not wish to have the procedure.Please understand that Comenity Capital Bank and Ideal Image are two separate entitiesTheBank is responsible for addressing questions related to the credit card account, while IdealImage is responsible for handling matters related to sales, merchandise processing, and returns.To cancel the Cool Sculpting procedure, and receive a credit to your account, you would need tocontact the location directlyPlease find the location information below:ldeal Image [redacted] We hope you find this information to be helpfulShould you have any further questions; pleasecontact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happyto assist you.Sincerely,Diamond L***
I did not receive a January billing statement since I did not have a balance on the account at that time The process change was very misleading and that is why I am complaining I would be happy to discontinue the deferred interest but I do not want to incur interest charges on the entire balance for the last two months, which would effectively negate any rewards points I have accrued I am extremely unhappy with their customer service and will be paying the balance in full and canceling my account Regards, [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveComenity Bank issues Woman Within® credit card accounts, and we are here to assist you with all account-related questionsI appreciate the opportunity to respond to your concernsWe understand from your complaint that you have been assessed late fees, even though you made a payment prior to receiving the billYou are requesting that the late fees be removed, any negative reporting to the credit-reporting agencies cleared up and your account to be closedPlease review our record of your due dates and the payments we have received: Statement Date Due Date Payment Received Date Payment Amount February 4, March 1, February 25, $March 6, April 1, April 5, $April 5, May 1, No Payment $May 6, June 1, May 17, $& $If you believe you have made payments, in addition to the payments provided above, we recommend that you contact your personal banking institution, or money order provider, for verificationIf a payment is confirmed, please provide a copy of the front and back of the missing payment, and we will be glad to research and update your account accordinglyYour payment is due each month by the 1st of the monthPlease keep in mind 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 and finance charge, as explained in the Credit Card Agreement (CCA)We have enclosed copies of the billing statements, which show the account activity that comprised the account balanceAfter researching the account, in the interest of customer service, we issued credits totaling $to remove the late fees that were assessed to your accountThese credits, along with an overpayment of $resulted in a $credit balance on your accountBank records indicate a refund check was issued to you on June 21, 2016, and has been paidAs of the date of this letter, your account is closed and has a zero balancePlease be advised, no negative information regarding the account referenced above was reported to the credit bureausI hope this information is helpfulIf you have any further questions regarding your Woman Within® account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Amanda R**
Dear [redacted] Comenity Bank (Bank) has received your correspondenceWe are here to answer your questions and assist with your concernsWe would like to assist you in resolving this matterUnfortunately, we are unable to locate the account you are referencing in your correspondence based on the information providedIn order to investigate your concerns, please provide your account number, copies of your billing statements, and/or a copy of your credit bureau report showing your accountOnce this information has been received, we will be able to further investigatePlease send this information to my attention at the address shown aboveIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Rosa M [redacted]
Delete this account from all three of the credit bureausThis account has been reported wrong since for more than years and it has caused me more than enough problems By correcting Equifax it's not going to solve anything because Experian and Transunion are showing the same as wellBy making the changes now it will make it worse for my credit because it will show as a new update Regards, [redacted]
I am rejecting this response because: Regards, [redacted]
I am rejecting this response because:The very least you can do for me is approve me for a credit card under Comenity BankIt is the only other way I will feel this is justifiedAlso, your employees on the phone never told me they would call me backThey told me to wait for a letter each time because they could not disclose my information or what was needed from me or the credit bureaus to move forwardMaybe if somebody from your company would have called me and let me know that there was an issue accessing my account--I could have contacted the credit bureaus myself and given permission as needed Regards, [redacted]
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Wayfair Card credit cardWe are here to answer your questions and assist with your concernsWe understand that you paid your account in full months ago, and the account is reporting a day delinquency on your credit reportYou advise that you never received notice of the delinquencyYou are requesting to have it completely removed from your credit reportAfter a review of our records payment was not made in January or February Notification of the delinquency and non-payment would have been reflected on your January and February billing statementsPlease be advised Bank records indicate your account was registered through our online Account Center on June 25, 2016, which provides account holders the ability to view statements and make payments onlineOn the same date, you enrolled in paperless statements, meaning you will receive your statements online versus postal mailWhen enrolled in paperless statements, we will send you a monthly Statement-Ready Email (SRE) notifying you the statement is available to be viewedA SRE was sent on January 29, 2017, and February 26, 2017, and we do not have record of emails being returned as undeliverable from the email address you providedIn the interest of customer service and as a courtesy, we sent a request to the credit reporting agencies to delete the delinquency reported in February Please allow up to days for the credit reporting agencies to update their recordsI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted] ***
they did not mention that when I called in after making the $payment that they stated there was no balance on the account now they want more moneyI never signed up for just to receive bills via email and I checked my junk folder and I do not see anything from the bankI will pay one last late fee but I refuse to pay for their lack of proper information given and also their lack of providing me any informationWhy would I attempt to pay off the balance and then make another payment after realizing that the bank made another error on giving me the incorrect pay off amount..Then I pay the $balance and the amount I already had to pay which I felt like I shouldn't have paid to begin withNow they want me to pay another $in feesRidiculous and disrespectful to a consumerAs you can see there are plenty of lawsuits and class action lawsuits against thins bank for their business practices Regards, [redacted]
Dear Ms [redacted] We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding PayPal CreditYour correspondence was forwarded to ComenityCapital BankThe PayPal Credit product is issued by Comenity Capital Bank andserviced by Bill Me Later, IncPayPal Credit is a payment option made available bymany merchants to their customers.Your complaint states you believe you entered into a payment plan with PayPal Creditwith the intent that the payment plan would keep your account openYou wereinformed by PayPal Credit your account was closedYou would like your account to bereinstated.On July 27, 2014, your account became past due and on August 8, 2014, PayPal Creditbegan calling you regarding your past due balanceNo payments were received onyour account between July 27, 2014, and October 26, In a phone call on October27, 2014, with PayPal Credit, a representative offered to enroll your account in anAccount Restructuring Program (ARP) to bring your account out of delinquencyYouwere advised late fees and interest would still accrue while you were enrolled in theARP.You agreed to the ARP and the representative helped schedule three payments of$each, to be paid on November 26, 2014, December 26, 2014, and January 26,The representative notified you that once the three scheduled payments weremade successfully, the terms of the ARP would conclude and your monthly minimumpayment due would be reduced to $35.00.Please note your account was closed on November 3, 2014, as it was days pastduePer paragraph of the Terms and Conditions of your account, "[ilf you are indefault, we may suspend or close your Account ...y ou will not be able to make newPurchases or Cash Advances but you still have to pay any remaining balance in full." Acopy of the Terms and Conditions are enclosed for your reference.Even with a closed account you are still expected to make the minimum payments.Enrollment in the ARP does not stop your account from closing if your account becomesdays past due during enrollmentAdditionally, successful completion of ARP doesnot reopen a closed accountOn January 26, 2015, you successfully made your thirdpayment in the ARP; therefore, your minimum payment was reduced to $a month,as reflected on your billing statement dated February 1, 2015.In a June 3, 2015, phone call with PayPal Credit, you were informed your account wasclosed in November when it fell days past dueYou were offered the option torequest to have your account reinstated which you acceptedThe same day, yourrequest for reinstatement was declined due to the delinquent history on your account,which you were informed of during a phone call with PayPal Credit on June 5, 2015,and in a letter dated June 9, 2015.At this time, PayPal Credit is unable to honor your request to reinstate your account atthis timeHowever, if you continue to establish a history of timely payments forapproximately three to six months, you may submit another request for reinstatement.We hope this letter explains and resolves this matter.Sincerely, [redacted] Compliance Dept- Consumer Responses`
I am the primary account holder of the Virgin America / Visa account discussed belowAt the request of Comenity Bank, I am writing to affirm earlier details provided by [redacted] ***, an authorized buyer on the account.With respect to the complaint (Reference ID [redacted] ), I am writing to validate that the facts described are absolutely correctTo re-summarize:- We were informed that our card had been compromised, resulting in the need to receive a new card and account number.- This shift in account numbers caused a disruption in the auto-payment system; in addition, new emailed statements were being labeled as spam and therefore not visible to us.- Our account was subsequently reported to the credit bureaus as days delinquentFull payment has since been provided.- We would like the negative reporting removedI have attached the supporting documentation we provided in connection with this complaintPlease let me know if we can offer additional information.Thank You, [redacted] ###-###-####
Dear [redacted] *** Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the EXPRESS NEXT credit cardWe are here to answer your questions and assist with your concernsThe Bank received your complaint in which you state that your account was assessed a late feeYou attempted to contact the Bank via our secure messaging center; however, you were advised to call our Customer Care teamYou are requesting that the Bank issue a credit for the late fee and send you a refund checkWe understand your concerns, and apologize for any frustration this may have caused youOur records indicate that on April 6, 2017, the Bank issued a statement showing a balance of $with a minimum payment of $due by May 2, The Bank received a payment of $on May 4, As a result of the payment being received after the due date, a late fee was assessed to your accountOn May 7, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by June 2, On May 13, 2017, a purchase of $posted to your accountIn addition the Bank received three return credits totaling $On June 2, 2017, the Bank received a payment of $30.73, which left a credit balance of $Although Comenity Bank did not find any billing errors with the account, we have issued a total credit of $30.73, for the previously assessed late fee and finance charge, resulting in an $credit balanceA refund check has been requestedPlease allow 10-days to receive the check under separate coverI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Jenny W*** Jenny W*** Compliance Dept– Consumer Responses
January 16, [redacted] Dear [redacted] :Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bankissues The RoomPlace credit card accountWe are here to answer your questions and assist with your concerns.Your complaint states that your account was charged a late fee and you contacted the Bank to have it removedand were advised that a credit would be issued to your account; however, the late fee was not credited to youraccountYou are requesting the Bank honor its word and issue a credit for the late fee that was assessed toyour accountI understand your concerns and apologize for any confusion or frustration this may have causedyou.Our records indicate a statement was issued to you on October 16, 2016, showing a balance of $and aminimum payment of $due by November 11, Please be advised the Bank did not receive a paymentby the due date and as a result, a late fee was assessed to your account.We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsBankrecords indicate you spoke with a Bank representative on December 2, During this call, you were advisedthe late fee was already credited to your accountWe apologize for the incorrect information that was providedto youPlease be advised the Bank has issued a credit of $for the late fee that was previously assessedto your accountThis credit will appear on your account within the next one-two billing statements.I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free tocontact me at ###-###-####.Sincerely, [redacted]
Dear Ms [redacted] : Thank you for contacting Comenity Capital Bank As the bank that issues HSN credit card accounts, we respond to all account-related concerns Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to assist you.We understand from your complaint that your HSN account was set up on a payment plan; however, due to the passing of your son, and only receiving short-term disability, you were unable to maintain the arrangements We further understand that you were notified that the account was closed and would be sent to a collection agency After speaking with a Bank representative, the only payment plan available was a three month arrangement to pay the balance in full You state that the Bank representatives are rude and refuse to make reasonable arrangements on the above-noted account Please note that you are a valued customer, and we are truly sorry to hear about the passing of your loved oneAfter a thorough investigation, Bank records confirm on July 1, 2014, the HSN account was enrolled in our Customer Hardship Program This program provides customers with six to twelve months of special terms in order to bring and keep their account current On July 3, 2014, a confirmation letter outlining the terms of enrollment and the stipulations regarding the termination of the program was mailed to your address Specifically, you were notified if two consecutive payments or three total payments were missed, the HSN account would be terminated from the program Please understand that Comenity Capital Bank categorizes returned checks as missed payments Enclosed, please find a copy of this letter, for your review.Our records further indicate on July 1, 2014, you contacted our office to change the banking information previously provided On November 3, 2014, December 3, 2014, and January 3, 2015, the Bank attempted to withdraw three payments of $each from your checking account; however, on November 7, 2014, December 9, 2014, and January 8, 2015, these payments were returned by your financial institution, due to insufficient funds As a result, the payments were added back into the HSN account balance, and the account was removed from the Hardship Program, due to unsuccessful completionOn September 7, 2015, the HSN account wrote-off, due to non-receipt of payment, with a balance of $1, The account is currently being managed by our Recovery Team To discuss suitable payment arrangements, we recommend that you contact our Recovery Team at ###-###-#### (TDD/TTY ###-###-####) for further assistance.Lastly, your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns Comenity Capital Bank is committed to providing the best customer service, and it is never our intentions to treat our customers in a less-than-satisfactory manner Calls and letters of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed.We hope you find this information helpful Should you have any further questions regarding the account, please contact our Recovery Team at the number listed aboveThey will be happy to assist you.Sincerely,Lauren S***
I understand that you are following your policy.I would be willing to pay the original late fee of $in order to settle the account Complaint: [redacted] I am rejecting this response because: Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountsComenity Bank issues the Victoria’s Secret Angel and Wayfair Card credit card accountsWe are here to answer your questions and assist with your concernsWe understand from your correspondence that you applied for a Victoria’s Secret Angel and a Wayfair Card account and you were approvedHowever, you later received a letter from the Bank asking for documentation, which you sentAfter receipt of your documentation, your accounts were closed, and you were advised the accounts could not be reopenedYou are requesting that the accounts be reopenedWe understand your concerns and apologize for any frustration or inconvenience this matter may have caused youBank records indicate that based on the information you provided, the accounts were permanently closedWe regret that we are unable to reopen your accounts; however, you may reapplyI hope you found this information to be helpfulShould you have any additional questions or concerns about the accounts, please contact our Account Protection Team at ###-###-####Sincerely, Jenny W [redacted]
Please see the attached responseThank you.Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenityBank issues the Victoria’s Secret credit cardWe are here to answer your questions and assist with yourconcerns.In the correspondence, you indicate you purchased three gift cards that did not have any value when they wereattempted to be usedYou state you were directed to return to the store; however, the store was unable to assistyou and advised you to contact the BankYou explain that when calling the Bank, a supervisor advised you thatyou would receive three new gift cards, which you never receivedYou are requesting three gift cards, valued at$eachYou are also requesting coupons for the sales missed during Christmas.Please note Comenity Bank and Victoria’s Secret are two separate entitiesThe Bank issues and is responsiblefor addressing questions related to your credit card accountVictoria’s Secret is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWeapologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in aless-than-satisfactory mannerWe are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not met.We understand your concern regarding the gift cards that had no valueWe attempted to contact you regardingthe gift cards; however, we were unsuccessfulWe contacted Victoria’s Secret on your behalf to investigate thismatterWe received notification that the three original gift cards ending in 1338, 7348, and 9085, were devaluedin errorVictoria’s Secret has placed the original $value on each gift cardFurthermore, as Victoria’sSecret is not able to replace any coupons you were not able to use, an additional $has been added toeach gift cardWe apologize for any inconvenience this has caused you and we thank you for your patiencewhile we worked to resolve this matter.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free tocontact me at (800) 820-8932.Sincerely,Nicole F
Compliance Dept– Consumer Responses
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the NY&C Rewards credit cardWe are here to answer your questions and assist with your concernsYour complaint states that you were billed twice for the same transaction and that your bank called the store to resolve the issueYou also state that you have records to show you paidYou would like New York & Company to contact the debt collector and inform them that you do not owe any moneyPlease be advised that Comenty Bank and New York & Company are separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountNew York & Company is responsible for handling matters related to sales, merchandise processing, returns and shippingOur 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, Our understanding of your complaint is that you have a payment concern with the storeThe Bank is unable to assist you with a personal store related payment and we recommend that you contact them to further discuss your payment concernI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Shawnda Y***
Comenity Bank has received your complaint regarding the above-referenced accountComenityBank issues the Lane Bryant credit cardWe are here to answer your questions and assist withyour concerns.Your complaint states that you contacted the Bank, the late fees were removed from the account,and the account was bought currentHowever, your credit report still reflects a late payment andyou are requesting to have that removed, as the late fees were removed from your accountWeunderstand your concerns, and apologize for any inconvenience or frustration this matter mayhave caused you.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations, and found that on April 11, 2017, [redacted] contacted the Bank regarding theinformation appearing on her credit report [redacted] advised the Bank that she was anauthorized user on the account, and the account should not be on her creditPlease be advisedthat [redacted] was incorrectly advised to file a dispute with the national credit-reportingagenciesFurthermore, she requested that the late fees be removed from the account and shewas advised that the Bank needed to speak to you to make any adjustments on the account.Therefore, [redacted] did a conference call and, after the Bank representative verified yourinformation, a late fee was removed as a courtesy.Please understand that we are required to reflect the participation of both spouses on an accountif the accountholder’s spouse is permitted to use the account [redacted] is an authorized userof the account, and we are required to report the credit card account to the credit reportingagencies [redacted] ’s credit report will show she is an authorized user on the account and notcontractually liable for the balance dueIf you, or she, no longer wish to have this account reportedon her credit bureau report, please contact our Customer Care department at ###-###-#### tohave her removed as an authorized user from this account.Bank records further indicate that for the months of September through February 2017, theBank did not receive a payment on the accountAs a result, late fees were assessed to youraccountFurthermore, your account fell six billing periods past due and was reported to thenational credit-reporting agencies.Although, the Bank issued a credit of $to your account for one of the late fees, your paymenthistory was not updatedPlease be advised that we are only willing to remove or changeinformation that our company incorrectly furnished to the credit-reporting agenciesWe havefound the information we reported is an accurate reflection of the payment history for youraccountTherefore, this information will not be changed or removed from your credit bureaureport.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W***Jenny W***Compliance Dept– Consumer Responses
Dear [redacted] ***We received a complaint regarding the above-referenced accountComenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with account-related questionsThe complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.In order for us to process your dispute and for you to preserve your rights, we require written confirmation regarding the transaction(s) you are disputingPlease complete the form included with this letter.If any information is missing, this form may be returned and no dispute filedThis form must be received at the following address within days from the date on this letter or within days from date of the statement on which the disputed charges appear, whichever is later.Comenity Capital Bank – American Laser SkincarePO Box 182620Columbus, OH 43218-2620If you fail to return the form within the requested time, we will assume that you no longer wish to continue the dispute process, and your complaint will be considered voluntarily withdrawn.We apologize for any inconvenience this matter may have caused youShould you have any additional questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W [redacted] Cardholder Statement of Disputed Item(s)Customer Name: _________________________________________Card Number: ____________________________________________If disputing more than four transactions please provide on separate sheet of paper.Tran Date: ____________Tran Amount $_______________Tran Date: ____________Tran Amount $_______________Tran Date: ____________Tran Amount $_______________Tran Date: ____________Tran Amount $_______________I am disputing the above charges due to the following reason (CHECK ONLY ONE REASON)Cancellations, Returns or Not Received (Choose only one option)_____On (date) _____________ I cancelled the serviceMethod was (check one) _____in writing, ______in person, _____ _by phone, ______ by email_______._____ I did not receive service, that was to be provided on (date)____________Total number of treatment/services you were contracted for:_______________Total number of treatment/services you did not receive:______________Please list any additional information below that may assist us with resolving the dispute.________________________________________________________________________...⇄ (Not valid unless signed):__________________________________Date:_________________Please do not send in any copies of contracts for your treatments.Please return this form to the following address:Comenity Capital Bank- American Laser SkincareP.OBox Columbus, OH 43218-2620Cardholder Statement of Disputed Item(s)