Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding your Simply Be credit card account. Comenity Capital Bank issues Simply Be credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to assist you. You state in your complaint that around Christmas 2015, you placed an order via phone from Simply Be for a matching bra and panty, with free shipping and handling. From this order you received the panty only, and figured the bra was on backorder. When ordering the panty it was $20.00, and is now $23.94. You state that since the items were on the same order you waited to pay, and have received billings that indicate you have been overcharged. You have attempted to resolve this issue for the last three months by calling and writing in several times. You are requesting that the account be closed and that you owe nothing, as you have paid the $20.00. Please understand that Comenity Capital Bank and Simply Be are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while Simply Be is responsible for handling matters related to sales, merchandise processing, returns and shipping. We received your disputes in regard to the above situation. Per our records we have advised you to contact Simply Be directly for further assistance. We apologize for any frustration or inconvenience this has caused you, or if you feel that your issue has not been resolved. We contacted Simply Be, on your behalf, and their records indicate that on November 23, 2015, you placed an order, for a Full Cup Wired Bra in black size 36C, and Briefs in black size 8. The bra was $22.52, and the briefs were $16.99. The shipping and handling of $6.95 was added to the briefs on your billing statement reflecting the amount of $23.94. Free shipping and handling only applies to orders over $75.00, and your total was $39.51. The briefs were shipped on November 23, 2015, and the bra on November 28, 2015. The shipping option chosen at the time of placing the order was an untracked shipping method; therefore, the packages cannot be tracked. When an order is shipped it is billed to whatever method of payment is indicated. Per the Credit Card Agreement (CCA), transactions placed on an account during the billing period will require a minimum due for such charges. When the minimum due is not met by the date indicated on such billing statements, the account will be subject to late fees. After reviewing your account Bank records indicate we received your first payment in the amount of $15.00 on April 8, 2016. At the time of this payment your minimum due was $38.00, and the account was four billings past due. On May 11, 2016, a payment in the amount of $7.00 was received. This satisfied only part of the minimum due amount of $25.00. The amount of $18.00 is due by June 4, 2016, to satisfy the entire minimum due indicated on the May 2016 billing statement. Based upon the information provided by Simply Be, the Bank finds the account balance to be valid. No adjustments are due at this time. Please contact Simply Be corporate office directly at ###-###-####, for further assistance in regard to this matter. They will be happy to assist you. As requested the above-referenced account has been closed per your request as of May 25, 2016. Comenity Capital Bank values you as a customer, and we hope that you find this information to be helpful. Sincerely, Diamond L[redacted]
I had no access to make a payment with your company due to being outside the country, I always pay my account in full and have been a Victoria secret credit card holder for 8 years. I had a medical emergency and had other life threatening things going on. I then handled my account one I was able to gain access due to being outside the country handling my medical needs.
Regards, [redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you disagree with the previous response, as you did set up a payment plan. You have asked that the Bank stop calling you by telephone, and stated that we can contact you by email.As indicated in our previous response, you did ask about the late fees being removed during this program, and our associate advised you that the late fees should be removed after the last payment has posted. Due to the information provided for the “Reage” program was incorrect, we took action to coach our associate. Additionally, I advised that once the March 25, 2017, payment of $100.00 has posted to the account, I would issue three late fee credits (January, February, and March 2017) to your account, as a courtesy.Additionally, after reviewing your previous complaint, you had not requested that the Bank cease contacting you by telephone; therefore, the account was not noted with this information.However, per your request, a "cease and desist" status has been placed on your account. This cease and desist request will stop all future collection efforts, except those legally permissible. It will also suspend authorizations for new purchases on your account since we will be unable to contact you. You will continue to receive certain legal communications as permitted by law. Your request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address:Comenity BankP.O. Box 182273Columbus, OH 43218-2273This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y[redacted]Compliance Dept. – Consumer Responses
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards,
[redacted]
Thank you for your complaint, addressed to the Revdex.com regarding the above notedaccounts. Comenity Bank issues DSW Rewards Visa@, WESTGATE RESORTSMastercard B and Overton's Mastercard B accounts and we respond to all account-relatedquestions. Your complaint was forwarded to my...
attention, and I appreciate this opportunity toassist you. We understand from the complaint that a block was placed on your DSW Rewards Visa@,WESTGATE RESORTS Mastercard B and Overton's MasterCard O accounts. You state that youhave been requested to provide a copy of your driver's license, and social security card,and that you are concerned that your personal information compromised. You arerequesting that your accounts be unblocked, and for an to resolve and expediteyour concerns.Please note that Comenity Bank actively monitors customers' accounts for potential securityconcerns. If a security concern is identified by the Bank, a temporary hold will be added to anaccount until further verification can be obtained from the primary account holder.Additionally, Comenity Bank is unable to provide you any options; it is necessary thatwe obtain the requested documentation in order to verify and unblock your accounts.We hope this information is helpful. Should you have any further questions or concerns, pleasecontact our Account Protection (Fraud) team at (800) 888-1726 695-1788). Theywould be happy to assist you.Sincerely,Rosa M[redacted]
Comenity Bank (Bank) has received correspondence regarding the above-noted account.Comenity Bank issues the Ann Taylor credit card. We are here to answer your questions andassist with your concerns.We understand from your additional complaint that you are requesting that the Bank no longerautomatically receive your new address in the future. We apologize for the inconvenience youhave experienced regarding this matter.Please be assured that the Bank has added a status to your account on July 31, 2017, to excludeyour Ann Taylor account from the National Change of Address updates. Therefore, when youmove in the future the Bank will no longer receive notification.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Ashley H[redacted]Compliance Dept. – Consumer ResponsesCC: Revdex.com
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Lane Bryant credit card account. We are here to answer your questions and assist with your concerns. Your complaint states that you paid your account...
off in full in November 2016; however, you are still receiving statements showing a balance is still owing. You are requesting that the fees be waived to bring the balance to zero and to close your account. We understand your concerns, and apologize for any frustration or inconvenience this may have caused you. Bank records indicate that on October 12, 2016, a statement was issued to your showing a balance of $290.04. The Bank received a payment of $250.00 on November 3, 2016. Furthermore, on November 11, 2016, a statement was issued to you showing a balance of $15.42 with a minimum payment of $15.42 due December 7, 2016. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Please be advised that billing statements continued to be sent to you. The Bank received a payment of $16.07 on January 12, 2017. The Bank has not received any other payments after that and as a result, late fees were assessed to your account. Bank records further indicate that your account has already received three courtesy late fee credits and is not eligible for an additional late fee credit. Comenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid. Please be advised that as you have requested, the Bank has closed the account. The Bank is only willing to remove or change information that our company incorrectly furnished to the credit-reporting agencies. We have found the information we reported is an accurate reflection of the payment history for your account. Therefore, this information will not be changed or removed from your credit bureau report. I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Jenny Wh
Dear [redacted],Comenity Capital Bank received the complaint for [redacted] In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 02/24/2017. Please let me know if this extension date is not...
approved. Let me know if you have any questions!Thank you,[redacted]
[redacted]
[redacted]
I have not received any call from Comenity Bank trying to resolve this dispute, nor have they mailed out any check to me. I have been told since December that a check was cut for the refund and that I had to call to verify my address before it would be mailed out. I called Comenity bank on January 19th and was told now that I have verified my address the check would be mailed out. To date I have not received my refund.
Regards, [redacted]
this information was not told to me when I called customer service to inquire about the card before I applied for it This is the reason why I fell mislead
Regards, [redacted]
Dear [redacted] We received an additional complaint regarding the above-referenced account. Comenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with account-related questions. The complaint, sent to the Better Business...
Bureau, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. In the complaint, you state that you submitted a dispute and were advised that your account was cleared and that you would receive a check for payment of the services you never received. However, you have not received a refund check and you are receiving statements showing a balance still owing on your account. You are requesting that a refund be issued for the services you have not received and a credit for all the fees that have been assessed to your account. Furthermore, you are requesting that a refund be issued to you for the payments you have made for services never rendered. We understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. We have reviewed your account, and our records indicate that the Bank previously responded to this complaint on March 16, 2015, advising you that a credit of $546.00 was issued to your account for treatments that you did not receive and that after the credit, a balance still remains. The credit issued is based on the information that you previously provided to the Bank. Furthermore, on March 25, 2015, the Bank sent you a Cardholder Statement of Disputed Item(s) to fill out and return to us, as you were disputing the remaining balance on your account. We understand that you are still disputing the balance on your account. Please be advised that the Bank would need more information in order to process an additional dispute. To better assist you with your dispute of the remaining balance on your account, the Bank would need the following information: The dates the packages were purchased.The amount of the charge(s).How many treatment(s) you were contracted to receive for each charge?How many treatment(s) you did not receive for each charge? Please complete the enclosed Cardholder Statement of Disputed Item(s) and return to the address provided on the form. Upon receipt of this information, we will investigate your claim and send you a written response. We apologize for any inconvenience this matter may have caused you. Should 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] 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 service Method 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. ________________________________________________________________________________...⇄________________________________________________________________________________...⇄________________________________________________________________________________...⇄________________________________________________________________________________...⇄________________________________________________________________________________...⇄________________________________________________________________________________...⇄________________________________________________________________________________...⇄________________________________________________________________________________...⇄ Signature (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 Skincare P.O. Box 182620 Columbus, OH 43218-2620
Thank you for your complaint regarding the above-noted account. Comenity Capital Bank issuesHSN credit card accounts, and we respond to all account-related questions. Your complaint wasforwarded to my attention, and I appreciate this opportunity to assist you.Our records indicate that the situation...
referenced in your complaint has been investigated, and aresponse was previously issued on December 13, 201 6, explaining our findings and resolution.Comenity Capital Bank's position remains unchanged. We have enclosed a copy of our previousresponse for your records.I hope you found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.J Rosa M[redacted]Compliance Dept. - Consumer ResponsesCC: Revdex.com
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues New York & Company 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 Equifax is reporting your account balance incorrectly and as such, this is holding up the purchase of your new home. I am happy to share my findings with you. Please be advised that Comenity Bank reports the same information to each of the national credit-reporting agencies. However, after reviewing the Equifax report the Bank did find a discrepancy regarding the New York & Company account. Please be assured that a notification has been sent to Equifax, to update their records regarding the New York & Company account. Please allow Equifax 45 days to update their records. In the meantime, keep this letter for your records as verification of the account balance. The last payment received on the account was for $35.00 on May 1, 2015. As of the date of this letter, the account balance is $7.55 with a payment of $7.55 due by June 5, 2015. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Dear Ms. [redacted]We recently received a complaint, addressed to the Revdex.com, regarding yourNEW YORK & Company credit card account. Comenity Bank issues NEW YORK & Companycredit card accounts, and we respond to all account-related inquires. I appreciate theopportunity to assist...
you.We understand from the complaint that on December 19, 2015, you placed an online order fortwo pairs of pants. After placing the order, you received notification advising that one of thepairs of pants was cancelled due to unavailability. Since you were unable to get both pairs ofpants, you decided to not pick up the other pair of pants. Additionally, you state that it is NewYork & Company’s policy that if you don’t pick up your order within seven days that your orderwill be cancelled and a refund will be provided in the original form of payment.We further understand you have not yet received a refund for the item that was not picked up.You have made multiple attempts to rectify the situation and receive a refund, and your attemptshave been unsuccessful. You are requesting to have the refund applied to your account.We understand your concerns, and we sincerely apologize for any frustration or inconveniencethis matter may have caused you.Bank records indicate that on January 15, 2016, you contacted customer service to dispute thetransaction from December 19, 2015, in the amount of $33.98. In response to this dispute TheBank sent correspondence requesting any documentation and additional details about thesituation. We have enclosed a copy of our previous response dated January 26, 2016, for yourreview.The retail return in the amount of $18.69 was refunded on December 19, 2015, for the pantsthat were unavailable. The remainder of the refund for the pants that were not picked up wasposted on February 17, 2016, in the amount of $16.99. Due to the refund amount being greaterthan the purchase amount your account will be adjusted the difference of $1.40 bringing youraccount to a zero balance as of March 7, 2016.The New York & Company return policy is that you have 5 calendar days beginning on the dayafter your purchase was made to pick up you order. After that, your order will be cancelled.Please note that New York & Company. and Comenity Bank are two separate entities. TheBank issues and is responsible for addressing questions related to the credit card account,while New York & Company is responsible for handling matters related to sales, merchandiseprocessing, returns and shipping.Comenity BankPO Box 182025Columbus, Ohio 43218-2025We apologize for the delay in posting the full refund to your account. You are a valuedcustomer, and we hope that you will continue shopping with New York & Company.We hope you find this information to be helpful. Should you have any further questions, pleasecontact me directly at ###-###-#### (TDD/TTY ###-###-####). I will behappy to assist you.Sincerely, Diamond L[redacted]
I returned the merchandise upon receipt with the UPS carrier man, the warehouse received the merchandise. I have 2 proofs of this: 1) the credit registered on my Wayfair account webpage showing the word "Returned". 2) the UPS dropped the delivery tag number in their system indicating that the returned item had been successfully and finally received at the Wayfair warehouse.In addition, please note that I have not retained any paperwork related to this dispute to furnish documentation a second time. If you wish, I will provide 1) a scan of my Wayfair page proving receipt of the returned merchandise indicated by the company markings and 2) a printed copy of my receipted check for the shipping and handling part of the bill. As for the late charges, there should have been none at all to begin with. I returned the item without opening the same day the UPS man stopped at my door.
Regards, [redacted]
Comenity Bank (Bank) has received your correspondence. Comenity Bank issues multiple creditcards. We are here to answer your questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, that onJanuary 21, 2018, a call was received on your...
cell phone from a restricted number and a voicemailwas left. The caller identified herself as Brittany S[redacted] from the Bank, she left a messageadvising you that she would need to hear from you or your l[redacted] or other steps would be takenand advised that she was calling from Comenity Bank leaving a number to contact back. Youindicate that you had financial struggles last year, and are working to catch up all debt that youfell behind on. You state you contacted the Bank and requested a payment plan to pay the accountbalance in full within six months, and were advised that the Bank could not help you, as thebalance was low. You are requesting a repayment plan that is fair no more fees be assessed tothe account. Additionally, you are requesting that Ms. S[redacted] actions be addressed as you foundher tone a violation.We have reviewed the concerns in your correspondence. We apologize if you felt you did notreceive the best customer service. We never intend to treat our customers in a less-than satisfactorymanner. We are committed to providing the best customer service and aredisappointed when a customer feels this standard was not met.We do show that you have multiple accounts with the Bank.We understand customers may experience difficulty making their payments due to economicfactors. You may be eligible for enrollment in our Customer Hardship Program. This programprovides customers with twelve months of special terms in order to bring and keep the accountcurrent. If you are interested in obtaining information on whether you qualify for this program,please call ###-###-####.Also, customers who are experiencing financial difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS) organization for assistance. Their programs canprovide options such as reducing the interest rate and the minimum payment requirement, andcould include all of your creditors. We support and participate in the programs provided by CCCSagencies. Should you wish to obtain information regarding their programs and for a memberagency located near you, please contact the National Foundation for Credit Counseling at (800)[redacted].I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses
Dear Mr. [redacted]: We received the complaint you sent to the Revdex.com, on behalf of your wife regarding her account. Comenity Bank issues Bealls Outlet credit card accounts, and we are here to help answer account-related questions. Your complaint was for[redacted]ed to my...
attention, and I appreciate the opportunity to assist you. You state that your wife made a payment at a Bealls Outlet retail store. You further state that although your wife’s check has been cashed by her bank, her payment has never posted to her account, and she was unable to resolve this matter by contacting the store. We sincerely apologize for any inconvenience or frustration this matter may have caused. Since the Bealls Outlet credit card is listed in your wife’s name, the Bank is unable to discuss or release account information to another party without Mrs. [redacted]’s permission. Please be advised that we have sent a response to Mrs. [redacted] directly regarding the account. We hope you find this information to be helpful. Should you have questions or concerns regarding this letter, please have Mrs. [redacted] contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist. Sincerely, Laura R[redacted]
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Woman Within credit card accounts, and we are hereto assist you with all account-related questions or concerns. I appreciate the opportunity torespond to...
your concerns.We understand from your complaint, you purchased and paid for clothes, but we received yourpayment late; therefore, you were charged a late fee. I also understand you are concernedabout being charged a late fee on a late fee. You also state you received calls after 9:00 p.m.and when you answer you do not hear a response. I apologize for any frustration orinconvenience this situation may have caused you.Bank records indicate a billing statement was sent to you on December 12, 2013, reflecting abalance of $45.86, and a payment of $20.00 due by January 7, 2014. As payment of $25.00was received on January 9, 2014, your account was assessed a late fee and finance charge,pursuant to the guidelines of the Credit Card Agreement.Bank records also indicate, a billing statement was sent to you on January 12, 2014, reflecting abalance of $41.86, and a payment of $20.00 due by February 7, 2014. As payment of $41.84was received on February 24, 2014, your account was assessed a late fee and finance charge.As no further payments were made for the next five billing periods; April through August 2014,the account was assessed additional late fees and finance charges, bringing the balance to$175.99.Bank records further indicate, a billing statement was sent to you on August 12, 2014, reflectinga balance of $175.99, and a payment of $45.00 due by September 7, 2014. As payment of$22.00 was received on September 3, 2014, for less than your minimum due, your account wasassessed a late fee and finance charge. As no further payments were made for the next fourbilling periods; October 2014 through January 2015, the account was assessed additional latefees and finance charges, bringing the balance to $289.94.After researching the account, in the interest of customer service, Comenity Bank is not holdingyou responsible for the remaining balance of $289.94. We have issued credit to your account toadjust your account balance to $0.00. Please be assured, notification has been sent to thenational credit-reporting agencies to remove the negative payment information that wasreported on your credit bureau report. Please allow the credit bureaus up to 45 days to updatetheir records.We have researched the applicable telephone calls, and the Bank sees no errors in the callsthat were made to the telephone numbers ending in 3618, 4409, and 1004. Also, since youraccount balance is zero, and the account was closed at your request on July 29, 2014, you willno longer receive telephone calls regarding this account.I hope that this information is helpful. Should you have any further questions regarding youraccount, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
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 online order, but canceled the order after you received notification the item would not arrive until after Christmas. You received confirmation the order was canceled, but the order was charged to your account and shipped to your address. You refused the package as “return to sender”, but you were still charged $9.99 for the returned item. You state you spoke to a Bank representative and they advised they would remove the charge, but it was not removed. When you called back, you were advised you were responsible for the charge. You advised this representative that you would not be paying, and you state she was rude. You would like to be removed from any mailing or email list. You would also like the $64.00 balance removed. 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 attempted to contact you on May 10, 2016, regarding your complaint details. As my attempt was unsuccessful, we have researched your account, and are happy to share our findings. 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. In the interest of customer service, Comenity Bank is not holding you responsible for the remaining balance on the account. Credits have been issued 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 that was reported on your credit bureau report. Please allow the credit bureaus up to 45 days to update their records. We have opted your account out of direct mailings from the Bank, regarding the Woman Within® account. Additionally, we have requested that Woman Within no longer send you catalogs. Please allow four to six weeks for all mailings to cease. 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**
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding your Simply Be credit card account. Comenity Capital Bank issues Simply Be credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to assist you. You state in your complaint that around Christmas 2015, you placed an order via phone from Simply Be for a matching bra and panty, with free shipping and handling. From this order you received the panty only, and figured the bra was on backorder. When ordering the panty it was $20.00, and is now $23.94. You state that since the items were on the same order you waited to pay, and have received billings that indicate you have been overcharged. You have attempted to resolve this issue for the last three months by calling and writing in several times. You are requesting that the account be closed and that you owe nothing, as you have paid the $20.00. Please understand that Comenity Capital Bank and Simply Be are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while Simply Be is responsible for handling matters related to sales, merchandise processing, returns and shipping. We received your disputes in regard to the above situation. Per our records we have advised you to contact Simply Be directly for further assistance. We apologize for any frustration or inconvenience this has caused you, or if you feel that your issue has not been resolved. We contacted Simply Be, on your behalf, and their records indicate that on November 23, 2015, you placed an order, for a Full Cup Wired Bra in black size 36C, and Briefs in black size 8. The bra was $22.52, and the briefs were $16.99. The shipping and handling of $6.95 was added to the briefs on your billing statement reflecting the amount of $23.94. Free shipping and handling only applies to orders over $75.00, and your total was $39.51. The briefs were shipped on November 23, 2015, and the bra on November 28, 2015. The shipping option chosen at the time of placing the order was an untracked shipping method; therefore, the packages cannot be tracked. When an order is shipped it is billed to whatever method of payment is indicated. Per the Credit Card Agreement (CCA), transactions placed on an account during the billing period will require a minimum due for such charges. When the minimum due is not met by the date indicated on such billing statements, the account will be subject to late fees. After reviewing your account Bank records indicate we received your first payment in the amount of $15.00 on April 8, 2016. At the time of this payment your minimum due was $38.00, and the account was four billings past due. On May 11, 2016, a payment in the amount of $7.00 was received. This satisfied only part of the minimum due amount of $25.00. The amount of $18.00 is due by June 4, 2016, to satisfy the entire minimum due indicated on the May 2016 billing statement. Based upon the information provided by Simply Be, the Bank finds the account balance to be valid. No adjustments are due at this time. Please contact Simply Be corporate office directly at ###-###-####, for further assistance in regard to this matter. They will be happy to assist you. As requested the above-referenced account has been closed per your request as of May 25, 2016. Comenity Capital Bank values you as a customer, and we hope that you find this information to be helpful. Sincerely, Diamond L[redacted]
I had no access to make a payment with your company due to being outside the country, I always pay my account in full and have been a Victoria secret credit card holder for 8 years. I had a medical emergency and had other life threatening things going on. I then handled my account one I was able to gain access due to being outside the country handling my medical needs.
Regards, [redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you disagree with the previous response, as you did set up a payment plan. You have asked that the Bank stop calling you by telephone, and stated that we can contact you by email.As indicated in our previous response, you did ask about the late fees being removed during this program, and our associate advised you that the late fees should be removed after the last payment has posted. Due to the information provided for the “Reage” program was incorrect, we took action to coach our associate. Additionally, I advised that once the March 25, 2017, payment of $100.00 has posted to the account, I would issue three late fee credits (January, February, and March 2017) to your account, as a courtesy.Additionally, after reviewing your previous complaint, you had not requested that the Bank cease contacting you by telephone; therefore, the account was not noted with this information.However, per your request, a "cease and desist" status has been placed on your account. This cease and desist request will stop all future collection efforts, except those legally permissible. It will also suspend authorizations for new purchases on your account since we will be unable to contact you. You will continue to receive certain legal communications as permitted by law. Your request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address:Comenity BankP.O. Box 182273Columbus, OH 43218-2273This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y[redacted]Compliance Dept. – Consumer Responses
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards,
[redacted]
visa has reversed charges by both sprint and directv.. thanks
Thank you for your complaint, addressed to the Revdex.com regarding the above notedaccounts. Comenity Bank issues DSW Rewards Visa@, WESTGATE RESORTSMastercard B and Overton's Mastercard B accounts and we respond to all account-relatedquestions. Your complaint was forwarded to my...
attention, and I appreciate this opportunity toassist you. We understand from the complaint that a block was placed on your DSW Rewards Visa@,WESTGATE RESORTS Mastercard B and Overton's MasterCard O accounts. You state that youhave been requested to provide a copy of your driver's license, and social security card,and that you are concerned that your personal information compromised. You arerequesting that your accounts be unblocked, and for an to resolve and expediteyour concerns.Please note that Comenity Bank actively monitors customers' accounts for potential securityconcerns. If a security concern is identified by the Bank, a temporary hold will be added to anaccount until further verification can be obtained from the primary account holder.Additionally, Comenity Bank is unable to provide you any options; it is necessary thatwe obtain the requested documentation in order to verify and unblock your accounts.We hope this information is helpful. Should you have any further questions or concerns, pleasecontact our Account Protection (Fraud) team at (800) 888-1726 695-1788). Theywould be happy to assist you.Sincerely,Rosa M[redacted]
Comenity Bank (Bank) has received correspondence regarding the above-noted account.Comenity Bank issues the Ann Taylor credit card. We are here to answer your questions andassist with your concerns.We understand from your additional complaint that you are requesting that the Bank no longerautomatically receive your new address in the future. We apologize for the inconvenience youhave experienced regarding this matter.Please be assured that the Bank has added a status to your account on July 31, 2017, to excludeyour Ann Taylor account from the National Change of Address updates. Therefore, when youmove in the future the Bank will no longer receive notification.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Ashley H[redacted]Compliance Dept. – Consumer ResponsesCC: Revdex.com
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Lane Bryant credit card account. We are here to answer your questions and assist with your concerns. Your complaint states that you paid your account...
off in full in November 2016; however, you are still receiving statements showing a balance is still owing. You are requesting that the fees be waived to bring the balance to zero and to close your account. We understand your concerns, and apologize for any frustration or inconvenience this may have caused you. Bank records indicate that on October 12, 2016, a statement was issued to your showing a balance of $290.04. The Bank received a payment of $250.00 on November 3, 2016. Furthermore, on November 11, 2016, a statement was issued to you showing a balance of $15.42 with a minimum payment of $15.42 due December 7, 2016. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Please be advised that billing statements continued to be sent to you. The Bank received a payment of $16.07 on January 12, 2017. The Bank has not received any other payments after that and as a result, late fees were assessed to your account. Bank records further indicate that your account has already received three courtesy late fee credits and is not eligible for an additional late fee credit. Comenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid. Please be advised that as you have requested, the Bank has closed the account. The Bank is only willing to remove or change information that our company incorrectly furnished to the credit-reporting agencies. We have found the information we reported is an accurate reflection of the payment history for your account. Therefore, this information will not be changed or removed from your credit bureau report. I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Jenny Wh
Dear [redacted],Comenity Capital Bank received the complaint for [redacted] In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 02/24/2017. Please let me know if this extension date is not...
approved. Let me know if you have any questions!Thank you,[redacted]
[redacted]
[redacted]
I have not received any call from Comenity Bank trying to resolve this dispute, nor have they mailed out any check to me. I have been told since December that a check was cut for the refund and that I had to call to verify my address before it would be mailed out. I called Comenity bank on January 19th and was told now that I have verified my address the check would be mailed out. To date I have not received my refund.
Regards, [redacted]
this information was not told to me when I called customer service to inquire about the card before I applied for it This is the reason why I fell mislead
Regards, [redacted]
Dear [redacted] We received an additional complaint regarding the above-referenced account. Comenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with account-related questions. The complaint, sent to the Better Business...
Bureau, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. In the complaint, you state that you submitted a dispute and were advised that your account was cleared and that you would receive a check for payment of the services you never received. However, you have not received a refund check and you are receiving statements showing a balance still owing on your account. You are requesting that a refund be issued for the services you have not received and a credit for all the fees that have been assessed to your account. Furthermore, you are requesting that a refund be issued to you for the payments you have made for services never rendered. We understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. We have reviewed your account, and our records indicate that the Bank previously responded to this complaint on March 16, 2015, advising you that a credit of $546.00 was issued to your account for treatments that you did not receive and that after the credit, a balance still remains. The credit issued is based on the information that you previously provided to the Bank. Furthermore, on March 25, 2015, the Bank sent you a Cardholder Statement of Disputed Item(s) to fill out and return to us, as you were disputing the remaining balance on your account. We understand that you are still disputing the balance on your account. Please be advised that the Bank would need more information in order to process an additional dispute. To better assist you with your dispute of the remaining balance on your account, the Bank would need the following information: The dates the packages were purchased.The amount of the charge(s).How many treatment(s) you were contracted to receive for each charge?How many treatment(s) you did not receive for each charge? Please complete the enclosed Cardholder Statement of Disputed Item(s) and return to the address provided on the form. Upon receipt of this information, we will investigate your claim and send you a written response. We apologize for any inconvenience this matter may have caused you. Should 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] 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 service Method 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. ________________________________________________________________________________...⇄ ________________________________________________________________________________...⇄ ________________________________________________________________________________...⇄ ________________________________________________________________________________...⇄ ________________________________________________________________________________...⇄ ________________________________________________________________________________...⇄ ________________________________________________________________________________...⇄ ________________________________________________________________________________...⇄ Signature (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 Skincare P.O. Box 182620 Columbus, OH 43218-2620
Thank you for your complaint regarding the above-noted account. Comenity Capital Bank issuesHSN credit card accounts, and we respond to all account-related questions. Your complaint wasforwarded to my attention, and I appreciate this opportunity to assist you.Our records indicate that the situation...
referenced in your complaint has been investigated, and aresponse was previously issued on December 13, 201 6, explaining our findings and resolution.Comenity Capital Bank's position remains unchanged. We have enclosed a copy of our previousresponse for your records.I hope you found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.J Rosa M[redacted]Compliance Dept. - Consumer ResponsesCC: Revdex.com
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues New York & Company 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 Equifax is reporting your account balance incorrectly and as such, this is holding up the purchase of your new home. I am happy to share my findings with you. Please be advised that Comenity Bank reports the same information to each of the national credit-reporting agencies. However, after reviewing the Equifax report the Bank did find a discrepancy regarding the New York & Company account. Please be assured that a notification has been sent to Equifax, to update their records regarding the New York & Company account. Please allow Equifax 45 days to update their records. In the meantime, keep this letter for your records as verification of the account balance. The last payment received on the account was for $35.00 on May 1, 2015. As of the date of this letter, the account balance is $7.55 with a payment of $7.55 due by June 5, 2015. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Dear Ms. [redacted]We recently received a complaint, addressed to the Revdex.com, regarding yourNEW YORK & Company credit card account. Comenity Bank issues NEW YORK & Companycredit card accounts, and we respond to all account-related inquires. I appreciate theopportunity to assist...
you.We understand from the complaint that on December 19, 2015, you placed an online order fortwo pairs of pants. After placing the order, you received notification advising that one of thepairs of pants was cancelled due to unavailability. Since you were unable to get both pairs ofpants, you decided to not pick up the other pair of pants. Additionally, you state that it is NewYork & Company’s policy that if you don’t pick up your order within seven days that your orderwill be cancelled and a refund will be provided in the original form of payment.We further understand you have not yet received a refund for the item that was not picked up.You have made multiple attempts to rectify the situation and receive a refund, and your attemptshave been unsuccessful. You are requesting to have the refund applied to your account.We understand your concerns, and we sincerely apologize for any frustration or inconveniencethis matter may have caused you.Bank records indicate that on January 15, 2016, you contacted customer service to dispute thetransaction from December 19, 2015, in the amount of $33.98. In response to this dispute TheBank sent correspondence requesting any documentation and additional details about thesituation. We have enclosed a copy of our previous response dated January 26, 2016, for yourreview.The retail return in the amount of $18.69 was refunded on December 19, 2015, for the pantsthat were unavailable. The remainder of the refund for the pants that were not picked up wasposted on February 17, 2016, in the amount of $16.99. Due to the refund amount being greaterthan the purchase amount your account will be adjusted the difference of $1.40 bringing youraccount to a zero balance as of March 7, 2016.The New York & Company return policy is that you have 5 calendar days beginning on the dayafter your purchase was made to pick up you order. After that, your order will be cancelled.Please note that New York & Company. and Comenity Bank are two separate entities. TheBank issues and is responsible for addressing questions related to the credit card account,while New York & Company is responsible for handling matters related to sales, merchandiseprocessing, returns and shipping.Comenity BankPO Box 182025Columbus, Ohio 43218-2025We apologize for the delay in posting the full refund to your account. You are a valuedcustomer, and we hope that you will continue shopping with New York & Company.We hope you find this information to be helpful. Should you have any further questions, pleasecontact me directly at ###-###-#### (TDD/TTY ###-###-####). I will behappy to assist you.Sincerely, Diamond L[redacted]
I returned the merchandise upon receipt with the UPS carrier man, the warehouse received the merchandise. I have 2 proofs of this: 1) the credit registered on my Wayfair account webpage showing the word "Returned". 2) the UPS dropped the delivery tag number in their system indicating that the returned item had been successfully and finally received at the Wayfair warehouse.In addition, please note that I have not retained any paperwork related to this dispute to furnish documentation a second time. If you wish, I will provide 1) a scan of my Wayfair page proving receipt of the returned merchandise indicated by the company markings and 2) a printed copy of my receipted check for the shipping and handling part of the bill. As for the late charges, there should have been none at all to begin with. I returned the item without opening the same day the UPS man stopped at my door.
Regards, [redacted]
Comenity Bank (Bank) has received your correspondence. Comenity Bank issues multiple creditcards. We are here to answer your questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, that onJanuary 21, 2018, a call was received on your...
cell phone from a restricted number and a voicemailwas left. The caller identified herself as Brittany S[redacted] from the Bank, she left a messageadvising you that she would need to hear from you or your l[redacted] or other steps would be takenand advised that she was calling from Comenity Bank leaving a number to contact back. Youindicate that you had financial struggles last year, and are working to catch up all debt that youfell behind on. You state you contacted the Bank and requested a payment plan to pay the accountbalance in full within six months, and were advised that the Bank could not help you, as thebalance was low. You are requesting a repayment plan that is fair no more fees be assessed tothe account. Additionally, you are requesting that Ms. S[redacted] actions be addressed as you foundher tone a violation.We have reviewed the concerns in your correspondence. We apologize if you felt you did notreceive the best customer service. We never intend to treat our customers in a less-than satisfactorymanner. We are committed to providing the best customer service and aredisappointed when a customer feels this standard was not met.We do show that you have multiple accounts with the Bank.We understand customers may experience difficulty making their payments due to economicfactors. You may be eligible for enrollment in our Customer Hardship Program. This programprovides customers with twelve months of special terms in order to bring and keep the accountcurrent. If you are interested in obtaining information on whether you qualify for this program,please call ###-###-####.Also, customers who are experiencing financial difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS) organization for assistance. Their programs canprovide options such as reducing the interest rate and the minimum payment requirement, andcould include all of your creditors. We support and participate in the programs provided by CCCSagencies. Should you wish to obtain information regarding their programs and for a memberagency located near you, please contact the National Foundation for Credit Counseling at (800)[redacted].I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses
Dear Mr. [redacted]: We received the complaint you sent to the Revdex.com, on behalf of your wife regarding her account. Comenity Bank issues Bealls Outlet credit card accounts, and we are here to help answer account-related questions. Your complaint was for[redacted]ed to my...
attention, and I appreciate the opportunity to assist you. You state that your wife made a payment at a Bealls Outlet retail store. You further state that although your wife’s check has been cashed by her bank, her payment has never posted to her account, and she was unable to resolve this matter by contacting the store. We sincerely apologize for any inconvenience or frustration this matter may have caused. Since the Bealls Outlet credit card is listed in your wife’s name, the Bank is unable to discuss or release account information to another party without Mrs. [redacted]’s permission. Please be advised that we have sent a response to Mrs. [redacted] directly regarding the account. We hope you find this information to be helpful. Should you have questions or concerns regarding this letter, please have Mrs. [redacted] contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist. Sincerely, Laura R[redacted]
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Woman Within credit card accounts, and we are hereto assist you with all account-related questions or concerns. I appreciate the opportunity torespond to...
your concerns.We understand from your complaint, you purchased and paid for clothes, but we received yourpayment late; therefore, you were charged a late fee. I also understand you are concernedabout being charged a late fee on a late fee. You also state you received calls after 9:00 p.m.and when you answer you do not hear a response. I apologize for any frustration orinconvenience this situation may have caused you.Bank records indicate a billing statement was sent to you on December 12, 2013, reflecting abalance of $45.86, and a payment of $20.00 due by January 7, 2014. As payment of $25.00was received on January 9, 2014, your account was assessed a late fee and finance charge,pursuant to the guidelines of the Credit Card Agreement.Bank records also indicate, a billing statement was sent to you on January 12, 2014, reflecting abalance of $41.86, and a payment of $20.00 due by February 7, 2014. As payment of $41.84was received on February 24, 2014, your account was assessed a late fee and finance charge.As no further payments were made for the next five billing periods; April through August 2014,the account was assessed additional late fees and finance charges, bringing the balance to$175.99.Bank records further indicate, a billing statement was sent to you on August 12, 2014, reflectinga balance of $175.99, and a payment of $45.00 due by September 7, 2014. As payment of$22.00 was received on September 3, 2014, for less than your minimum due, your account wasassessed a late fee and finance charge. As no further payments were made for the next fourbilling periods; October 2014 through January 2015, the account was assessed additional latefees and finance charges, bringing the balance to $289.94.After researching the account, in the interest of customer service, Comenity Bank is not holdingyou responsible for the remaining balance of $289.94. We have issued credit to your account toadjust your account balance to $0.00. Please be assured, notification has been sent to thenational credit-reporting agencies to remove the negative payment information that wasreported on your credit bureau report. Please allow the credit bureaus up to 45 days to updatetheir records.We have researched the applicable telephone calls, and the Bank sees no errors in the callsthat were made to the telephone numbers ending in 3618, 4409, and 1004. Also, since youraccount balance is zero, and the account was closed at your request on July 29, 2014, you willno longer receive telephone calls regarding this account.I hope that this information is helpful. Should you have any further questions regarding youraccount, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
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 online order, but canceled the order after you received notification the item would not arrive until after Christmas. You received confirmation the order was canceled, but the order was charged to your account and shipped to your address. You refused the package as “return to sender”, but you were still charged $9.99 for the returned item. You state you spoke to a Bank representative and they advised they would remove the charge, but it was not removed. When you called back, you were advised you were responsible for the charge. You advised this representative that you would not be paying, and you state she was rude. You would like to be removed from any mailing or email list. You would also like the $64.00 balance removed. 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 attempted to contact you on May 10, 2016, regarding your complaint details. As my attempt was unsuccessful, we have researched your account, and are happy to share our findings. 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. In the interest of customer service, Comenity Bank is not holding you responsible for the remaining balance on the account. Credits have been issued 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 that was reported on your credit bureau report. Please allow the credit bureaus up to 45 days to update their records. We have opted your account out of direct mailings from the Bank, regarding the Woman Within® account. Additionally, we have requested that Woman Within no longer send you catalogs. Please allow four to six weeks for all mailings to cease. 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**