Dear Ms. [redacted] We received your additional complaint, addressed to the Revdex.com, regarding the Value City Furniture account noted above. Comenity Bank previously issued Value City Furniture credit card accounts, and we respond to all account-related questions. Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand your additional concerns regarding your request for your payment history and that you had not received the requested information prior to December 21, 2015. You further state that information regarding the payment cut off time frame of 11:00 p.m. Eastern Time (ET) was listed on Account Center prior to November 12, 2015. Also, you state that your purchase from March 2013 should not have accumulated interest for the first twelve months, and you believe the balance should be less than $919.01. We apologize for any inconvenience this matter may have caused you. Please be assured that as of November 12, 2015, the payment cutoff time was changed to 11:00 p.m. ET and was not in effect prior to that date. Also, Bank records indicate that on December 3, 2015, we sent copies of your billing statements for you to view for accuracy. If you have not received these statements, please advise and we will be more than happy to resend copies of your billing statements for your records. Please note, effective February 3, 2016, the cutoff time for payments to be credited on the same day when the payments are made over the phone and online will be changing. Telephone and online Account Center payments made by 8:00 p.m. ET will post on the same day. Payments can be scheduled up to 30 days out on our Account Center website. Please see the information provided on the back of the first page of your statement for more details about payment cutoff times. We contacted Value City Furniture on your behalf regarding your purchase for $1,596.90 made on February 16, 2013, and we have been advised that this purchase was placed on the revolving credit plan and not a deferred interest promotional plan. We have enclosed a copy of the receipt for your records. Please be advised that your purchase of $169.58, made on March 20, 2013, was placed on a 12 month, deferred interest, payment required promotional plan that expired on March 21, 2014. Your final payment towards this promotional purchase was received on March 25, 2014, in the amount of $108.58 and no interest was charged to your account for this purchase. Please review the April 6, 2014, billing statement to confirm this information. The Bank finds no Banking errors and the current account balance is $841.18. We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Bon-Ton credit card. We are here to answer your questionsand assist with your concerns.Your correspondence states you have contacted the Bank twice regarding non receipt of apurchase, and we did not mention that you needed to follow up with Bon-Ton until we respondedto your most recent correspondence. Additionally, you feel it is suspicious that neither Bon-Tonnor the Bank can provide you with a signature for delivery of the merchandise, yet we statedelivery was confirmed.We understand your concerns, and apologize for any frustration this matter may have causedyou.Bank records indicate you previously disputed the charge on the account, and the Bank sentwritten responses dated August 23, 2017, and October 5, 2017. The responses advised you tocontact Bon-Ton directly if you had any questions regarding undelivered orders. We haveenclosed a copy of these responses for your records, along with our response dated December13, 2017.In regard to the delivery confirmation, Bon-Ton advises the package was delivered by FedEx. Thetracking number for the delivery is [redacted]. Per FedEx, the package was delivered onJune 9, 2017, at 2:12 p.m. and was left at the front door, signature not required.Please understand that you will need to contact Bon-Ton for any further concerns regarding thispurchase. They may be reached at ###-###-####.I hope you have found this information to be helpful. If you have any questions regarding theaccount, please feel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responsescc: Revdex.comEnclosures
Dear Ms. [redacted]: We received your complaint, on behalf of [redacted], addressed to the Revdex.com, regarding the David's Bridal® credit card account. Comenity Capital Bank issues David's Bridal® credit card accounts, and we respond to all...
account-related concerns. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We understand from your complaint that Mrs. [redacted] spoke with a Bank representative in October to set up payment arrangements from her husband’s personal financial institution. However, the payments were debited from his account at the beginning of the month instead of the middle of the month; as a result, Mr. [redacted]’s account received multiple overdraft fees. Mrs. [redacted] contacted the Bank regarding this discrepancy, and at that time, she was advised to submit a dispute, which she did. We further understand while the dispute was being investigated, Mrs. [redacted] received additional telephone calls from the Bank, which included a settlement offer of $255.00, to be paid by the end of the month. You state that Mrs. [redacted] was dissatisfied with the level of service that she received from the Bank during these calls; therefore, she is requesting to drop this matter and never have to deal with the representatives of Comenity Capital Bank. Please accept our deepest apology for any inconvenience you or Mrs. [redacted] may have experienced while handling this matter. I attempted to contact Mrs. [redacted] on July 23, and July 24, 2015, to discuss this matter further. Unfortunately, my attempts were unsuccessful. Based upon your complaint, the Bank has reviewed the applicable telephone conversations regarding the David's Bridal® account. Please note, our records indicate that Mrs. [redacted] agreed to set up the payments of $116.00 on the last day of each month. Furthermore, a confirmation letter was mailed to the address at the top of this letter on November 1, 2014, per Mrs. [redacted]’s request, outlining the scheduled payment dates and amounts. Regrettably, the Bank declines the request to have this matter dropped, as the remaining balance on the account is valid, pursuant to the terms and conditions outlined in the Credit Card Agreement (CCA). Lastly, a consumer’s opinion of our service is important to us, and we appreciate the time you spent in notifying us of Mrs. [redacted]’s 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 to be helpful. If you have any further questions regarding this letter, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Lauren S[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the abovereferencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we arehere to assist you with account-related questions. Your complaint was forwarded to my attention,and I...
appreciate the opportunity to respond to your concerns.We understand your concerns in the complaint regarding the closure of your VICTORIA’SSECRET account due to possible fraud. You stated that you verified your address which iscorrect. In July you were sent a letter with a 30-day window to call and confirm your identity. Youadvised the Bank that you did not receive the letter, when you called to verify information aboutgift card purchases; however, you were advised that since there was no response, your accountwas permanently closed. You are asking the Bank to reinstate the account with full chargingprivileges and once that is done you will continue paying the balance.After a thorough review of your account, our records indicate that your account has been notedwith possible fraud on three occasions from April 2016 to July 2016.Please be advised that during the process of researching potential fraud, customers may receivea letter informing them that the account has been temporarily closed. The Bank has to becontacted by the customer to verify information, or at times, they are required to send total iddocumentation to us. This documentation consist of a valid government-issued identification (i.e.,Driver’s License, Passport, and State ID), a copy of a signed social security card, and a copy ofa current utility bill (i.e., gas, electricity, or water) or a bank statement with your current address.All customers have 35 days from the date on the letter to send this information.The first hold in April was a result of gift card purchases. You were sent a letter on April 5, 2016,advising that we had security concerns due to irregular credit card transactions and to contact us.You contacted the Bank and were able to complete the total id verification; the account wasreopened.The second hold in April was a result of gift card purchases being shipped to New York. Youwere sent a letter on April 20, 2016, again, advising that we had security concerns due to irregularcredit card transactions and to contact us. You contacted the Bank and were able to completeverification with a supervisor who removed the block from the account.The third hold in June was a result of gift card purchases that were being redeemed in China.This fraud hold required that you send the Bank total id verification. Unfortunately, you refusedto send the Bank the documentation. Therefore, the account was permanently closed on July 28,2016. You were sent a letter to confirm the closure and that you would need to reapply for theVICTORIA’S SECRET account.Enclosed are copies of the three letters you were sent, that are noted above for your records.Comenity Bank’s position remains unchanged and we are unwilling to reinstate the VICTORIA’SSECRET account. You are welcome to reapply at any time online or in the store.We apologize for the inconvenience this matter has caused. Should you have any furtherquestions about the account, please contact a member of our Account Protection Team at###-###-#### (TDD/TTY ###-###-####). They will be happy to assist you.Sincerely,Shawnda Y[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]
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]
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**
Woman Within responded to my complaint indicating that I should submit my complaint to Comenity Bank PO Box 182273, Columbus. OH 432182273 Telephone number is ###-###-####. Comenity Bank is an unrelated third party.
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Woman Within@ credit card accounts, and we arehere to assist you with all account-related questions. I appreciate the opportunity to respond toyour...
concerns.We previously received and responded to your complaint submitted to our Dispute Teamregarding this matter. Please find enclosed a copy of our response sent to you on February 5,2016.Please be advised, the Bank has received your payment of $47.04, which has provided you witha credit balance of $9.07. A refund check has been issued and should be received, underseparate cover, in 14 days to the address above.I hope you find this information to be helpful. If you have any further questions. please contactme at ###-###-####. ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
Dear [redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Ann Taylor credit card. We are here to answer your questions and assist with your concerns. Your complaint states that the Bank adds extra...
fees, does not close account(s) when requested, and gives false information when trying to close; therefore, adding additional fees. You state that your purchase, of less than $200.00, grew after you closed the account on two separate occasions. You are requesting that the Bank refund you $100.00. The Ann Taylor account was opened on April 23, 2016; use of the account or failure to close the account within 30 days of receiving the Credit Card Agreement indicated your acceptance of the terms of the Agreement, including the assessment of any finance charges and fees. The last purchase of $113.09 was made on April 23, 2016, and the last payment of $98.04 was received on February 20, 2017. Bank records indicate that your account was delinquent for the months of June 2016 through August 2016, and also delinquent for the months of December 2016 through February 2017. Enclosed you will find copies of your billing statements showing the account activity that resulted in the account balance and delinquencies. Furthermore, the Bank closed the account as requested on October 29, 2016. Although you closed the account, a balance still existed. As such, the balance was subjected to late fees and finance charges if the payments were not received, received after the due date, or were made for less than the minimum required, as explained in the Credit Card Agreement. With regard to incorrect information, we are unable to identify what information you were provided that was incorrect. If you would like for us to further investigate this claim, we need more information. Please provide the information you feel was incorrect, and an estimated time frame. Once received, we will be happy to review the applicable telephone call(s). Comenity Bank respectfully declines your request to refund $100.00. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y[redacted]
Dear Mr. [redacted]We received your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Cornenity Bank issues The Sportsman's Guide Buyer's Club Visa accountsand we respond to all account-related questions. Your complaint was fonvarded to myattention, and I appreciate...
this opportunity to assist you.Your compliant states that you have asked us to delete an account from your credit bureau andthat we refuse to do so. You further indicate that you need this account to be deletedimmediately, due to this not being your account.Bank records indicate the only account we have registered in your name is The Sportsman'sGuide Buyer's Clubm Advantage Rewards Visa@. Further research shows the account wasopened on August 29, 2014, in the name of [redacted] The credit limit is $2,500.00. Thelast purchase charged on the account was for $14.81 on August 9, 2015. The last payment, inthe amount of $100.00, was received on August 3, 2015.Additionally, our records do not indicate a previous request for the Bank to delete this accountfrom your credit report. The account is open, and has been paid as agreed.If you feel this account was opened fraudulently please contact our Account Protection team at###-###-####, they will be happy to assist you.We hope this information is helpful. Should you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely, Rosa M[redacted]
February 9, 2017 [redacted] RE: Unwanted Calls Revdex.com Complaint ID #11977219 Dear Cheri P[redacted]: Comenity Bank (Bank) has received your correspondence. We are here to answer your...
questions and assist with your concerns. Your correspondence indicates you are receiving telephone calls from Comenity Bank regarding a matter not related to you. The calls placed to the telephone number were attempts by us to contact one of our customers regarding a business matter. We apologize for the inconvenience this may have caused. You should no longer be receiving phone calls regarding this matter as we have marked the telephone number ending in 9951 with “Do Not Call” instructions. If you receive calls from us on a different telephone number regarding a matter not related to you, please contact us at ###-###-#### to update our records. Sincerely, [redacted] [redacted]
Dear [redacted]Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret credit cardaccounts, we are here to answer account-related questions. Your complaint, submitted to theBetter Business, was forwarded to my attention for review. I appreciate the opportunity to...
assistyou.In your complaint you allege you did not enroll into the Account Assure program, and that youmissed the charges assessed because you receive your statements electronically. Whencontacting the company to cancel and request a refund, you were asked to verify yourinformation. Because there was an address error, missing phone number, no Social Securitynumber, and no security question, they refused to cancel the membership or issue a refund.You request the membership cancelled and a refund for $150.92.The Bank’s investigation found that you enrolled in Account Assure, which is an optional debtcancellation program, on November 4, 2014, during a call to confirm receipt of your Victoria’sSecret credit card. Your Victoria’s Secret account was charged a total of $168.82 in AccountAssure fees, which reflected on the billing statements. Enclosed are copies of the billingstatements and the Account Assure Welcome Kit sent to you upon enrollment.Please be assured that on March 9, 2016, we cancelled the Account Assure program and youwill no longer receive the benefits. Additionally, credits totaling $168.82 have been issued to theaccount for the fees assessed. You will see the credits on your March 16, 2016, billingstatement. AON, the vender for Account Assure acknowledged that they were unable to verifyyour address when you called them on March 8, 2016. However, they called you on March 9,2016, to confirm the cancellation and the credits issued to your account.We sincerely apologize for any frustration or inconvenience you have experienced as a result ofthis matter. If you have further questions or concerns, please contact me at ###-###-####,ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Comenity Bank previously removed this fraudulent account from my credit report only to wake up this morning to find it on my reports again, causing my credit score to drop 50+ points! This is not my bill. I pay all my bills. I filed a police report (REPORT NUMBER: [redacted]), I’ve done everything requested, yet they only remove it temporarily?! Promptly delete this account from all 3 credit reporting agencies.
I noticed a hard inquiry on my equifax credit report. I had this inquiry already removed from the other 2 reporting credit agencies in the past, and would like this to be removed from my equifax account as well. it was already discovered to be corrected and removed from the Revdex.com.I would like this hard inquiry to be removed from my equifax credit report please.
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the My Place Rewards credit card. We are here to answer your questions and assist with your concerns. Your correspondence indicates...
your bank had issues with changing payee addresses on their online bill pay and payments were going to the old address. You received a call from the Bank, and mailed the payment in full. You are requesting a refund for the payments that were sent to the old address, including interest, and the negative marks removed from your credit report. We have reviewed the concerns mentioned in your correspondence, and would like to provide the following information. 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. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee may be assessed to the account, as explained in the Credit Card Agreement. On June 28, 2017, a credit of $91.00 was issued to your account for the previously assessed late fees, and on July 25, 2017, a credit of $2.00 was issued for the minimum charge. These credits brought your account to a zero balance. On August 1, 2017, three payments totaling $103.00 were applied to your account, which resulted in a credit balance. As a result of the credit balance on the account, we have issued a refund check for $103.00. Please allow up to 14 business days to receive the check, which will be mailed separately from this correspondence. Please be assured, we submitted a request to the credit reporting agencies to remove the May and June 2017 delinquency previously reported. Please allow up to 45 days for this update to appear on your credit file. 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, Tionna M[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]
We have received the inquiry you sent to the RevDex.com (Revdex.com), regarding the above-noted account. Your correspondence was forwarded to
Comenity Bank (Bank).
Comenity Bank issues VICTORIA’S SECRET Angel
credit cards, and we are...
here to help answer your questions. I appreciate the opportunity to assist you
with your concerns.
We understand from your complaint that you
made several attempts to get a letter advising your account was current in the
month of February 2016 and that payment had been credited to your account. However, you have not received the letter
requested. We apologize for the
inconvenience this may have caused and any delay in getting your home. I would be happy to assist you and explain
our findings below.
Your records indicate the VICTORIA’S SECRET Angel
account was reported to the national credit-reporting agencies as 30-days past
due in February 2016. On March 19, 2016,
you spoke to a Bank representative advising that you were applying for a
mortgage and would like to have the above delinquency removed from your credit
report.
Please be assured, in the interest of
customer service, we have notified the national credit-reporting agencies to
show February 2016 as current. Please
keep in mind this may take them 45-days to update their records.
Further records show your VICTORIA’S SECRET Angel
account received two payments, one for $156.91 on February 15, 2016, and $21.29
on March 14, 2016, bringing your account balance to zero.
I hope you found this information to be helpful. If you have any questions or concerns, please
feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist
you.
Sincerely, Jack C[redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding [redacted]’s credit card account(s) with Comenity Capital Bank. As the bank that issues My BJ's Perks MasterCard® and HSN credit card accounts, we are here to assist with all account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you. Please accept our sincere condolences regarding the loss of [redacted]. We understand how difficult this time must be for you, and we appreciate the time you have taken to resolve his account(s) with Comenity Capital Bank. Thank you for taking the time to speak with me by telephone on May 9, 2015, regarding this matter. As a follow-up to our conversation, as of May 6, 2015, all accounts(s) listed in [redacted]’s name have been closed and properly noted. Furthermore, on May 11, 2015, the Bank received documentation naming you, [redacted], as the Executor of [redacted]’s estate. Please be assured this information has been noted on the accounts. We further understand that you were dissatisfied with the level of service you received when contacting our Customer Care department; in addition to the length of time it took to properly note [redacted]’s accounts with the Bank. Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns. The Bank has reviewed the applicable phone conversation. Please be assured, it is never the Bank's intention to treat our customers, or their family members, in a less-than-satisfactory manner. Comenity Capital Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. We hope you find this information to be helpful. Should you have any further questions, please contact me directly at ###-###-#### (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that the balance should be zero. You state that the Bank is charging you late fees and interest on an account that was paid in full. You request the balance and credit reporting be corrected. I am happy to share my findings. Please note that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. A billing statement was issued June 20, 2016, with a balance of $91.00 and a minimum payment of $25.00 due by July 16, 2016. Due to no payment posting by the due date a late fee and finance charge were assessed to the balance. A billing statement was issued July 21, 2016, with a balance of $118.22 and a minimum payment of $31.00 due by August 16, 2016. A payment in the amount of $50.00 posted to the account on July 23, 2016. A billing statement was issued August 21, 2016, with a balance of $70.22 and a minimum payment of $27.00 due by September 16, 2016. Due to no payment posting by the due date a late fee and finance charge were assessed to the balance. A billing statement was issued September 20, 2016, with a balance of $99.22 and a minimum payment of $32.00 due by October 16, 2016. A payment in the amount of $41.00 posted to the account on October 19, 2016. Due to the payment posting after the due date a late fee and finance charge were assessed to the balance. Additional billing statements were issued October 21, 2016, through May 21, 2017. As no further payments were received; the account wrote off with a balance of $276.43 on May 21, 2017. The account was then sold to Midland Funding on May 25, 2017. In the interest of customer service, we are in the process of purchasing your account back from Midland Funding. Once the process is complete, we will issue credits for any accrued late fees and finance charges to bring the account to a zero balance. We will also submit a request to the credit reporting agencies to delete the account from your credit file. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M[redacted] Compliance Dept. – Consumer Responses
Dear Ms. [redacted] We received your additional complaint, addressed to the Revdex.com, regarding the Value City Furniture account noted above. Comenity Bank previously issued Value City Furniture credit card accounts, and we respond to all account-related questions. Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand your additional concerns regarding your request for your payment history and that you had not received the requested information prior to December 21, 2015. You further state that information regarding the payment cut off time frame of 11:00 p.m. Eastern Time (ET) was listed on Account Center prior to November 12, 2015. Also, you state that your purchase from March 2013 should not have accumulated interest for the first twelve months, and you believe the balance should be less than $919.01. We apologize for any inconvenience this matter may have caused you. Please be assured that as of November 12, 2015, the payment cutoff time was changed to 11:00 p.m. ET and was not in effect prior to that date. Also, Bank records indicate that on December 3, 2015, we sent copies of your billing statements for you to view for accuracy. If you have not received these statements, please advise and we will be more than happy to resend copies of your billing statements for your records. Please note, effective February 3, 2016, the cutoff time for payments to be credited on the same day when the payments are made over the phone and online will be changing. Telephone and online Account Center payments made by 8:00 p.m. ET will post on the same day. Payments can be scheduled up to 30 days out on our Account Center website. Please see the information provided on the back of the first page of your statement for more details about payment cutoff times. We contacted Value City Furniture on your behalf regarding your purchase for $1,596.90 made on February 16, 2013, and we have been advised that this purchase was placed on the revolving credit plan and not a deferred interest promotional plan. We have enclosed a copy of the receipt for your records. Please be advised that your purchase of $169.58, made on March 20, 2013, was placed on a 12 month, deferred interest, payment required promotional plan that expired on March 21, 2014. Your final payment towards this promotional purchase was received on March 25, 2014, in the amount of $108.58 and no interest was charged to your account for this purchase. Please review the April 6, 2014, billing statement to confirm this information. The Bank finds no Banking errors and the current account balance is $841.18. We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Bon-Ton credit card. We are here to answer your questionsand assist with your concerns.Your correspondence states you have contacted the Bank twice regarding non receipt of apurchase, and we did not mention that you needed to follow up with Bon-Ton until we respondedto your most recent correspondence. Additionally, you feel it is suspicious that neither Bon-Tonnor the Bank can provide you with a signature for delivery of the merchandise, yet we statedelivery was confirmed.We understand your concerns, and apologize for any frustration this matter may have causedyou.Bank records indicate you previously disputed the charge on the account, and the Bank sentwritten responses dated August 23, 2017, and October 5, 2017. The responses advised you tocontact Bon-Ton directly if you had any questions regarding undelivered orders. We haveenclosed a copy of these responses for your records, along with our response dated December13, 2017.In regard to the delivery confirmation, Bon-Ton advises the package was delivered by FedEx. Thetracking number for the delivery is [redacted]. Per FedEx, the package was delivered onJune 9, 2017, at 2:12 p.m. and was left at the front door, signature not required.Please understand that you will need to contact Bon-Ton for any further concerns regarding thispurchase. They may be reached at ###-###-####.I hope you have found this information to be helpful. If you have any questions regarding theaccount, please feel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responsescc: Revdex.comEnclosures
Dear Ms. [redacted]: We received your complaint, on behalf of [redacted], addressed to the Revdex.com, regarding the David's Bridal® credit card account. Comenity Capital Bank issues David's Bridal® credit card accounts, and we respond to all...
account-related concerns. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We understand from your complaint that Mrs. [redacted] spoke with a Bank representative in October to set up payment arrangements from her husband’s personal financial institution. However, the payments were debited from his account at the beginning of the month instead of the middle of the month; as a result, Mr. [redacted]’s account received multiple overdraft fees. Mrs. [redacted] contacted the Bank regarding this discrepancy, and at that time, she was advised to submit a dispute, which she did. We further understand while the dispute was being investigated, Mrs. [redacted] received additional telephone calls from the Bank, which included a settlement offer of $255.00, to be paid by the end of the month. You state that Mrs. [redacted] was dissatisfied with the level of service that she received from the Bank during these calls; therefore, she is requesting to drop this matter and never have to deal with the representatives of Comenity Capital Bank. Please accept our deepest apology for any inconvenience you or Mrs. [redacted] may have experienced while handling this matter. I attempted to contact Mrs. [redacted] on July 23, and July 24, 2015, to discuss this matter further. Unfortunately, my attempts were unsuccessful. Based upon your complaint, the Bank has reviewed the applicable telephone conversations regarding the David's Bridal® account. Please note, our records indicate that Mrs. [redacted] agreed to set up the payments of $116.00 on the last day of each month. Furthermore, a confirmation letter was mailed to the address at the top of this letter on November 1, 2014, per Mrs. [redacted]’s request, outlining the scheduled payment dates and amounts. Regrettably, the Bank declines the request to have this matter dropped, as the remaining balance on the account is valid, pursuant to the terms and conditions outlined in the Credit Card Agreement (CCA). Lastly, a consumer’s opinion of our service is important to us, and we appreciate the time you spent in notifying us of Mrs. [redacted]’s 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 to be helpful. If you have any further questions regarding this letter, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Lauren S[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the abovereferencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we arehere to assist you with account-related questions. Your complaint was forwarded to my attention,and I...
appreciate the opportunity to respond to your concerns.We understand your concerns in the complaint regarding the closure of your VICTORIA’SSECRET account due to possible fraud. You stated that you verified your address which iscorrect. In July you were sent a letter with a 30-day window to call and confirm your identity. Youadvised the Bank that you did not receive the letter, when you called to verify information aboutgift card purchases; however, you were advised that since there was no response, your accountwas permanently closed. You are asking the Bank to reinstate the account with full chargingprivileges and once that is done you will continue paying the balance.After a thorough review of your account, our records indicate that your account has been notedwith possible fraud on three occasions from April 2016 to July 2016.Please be advised that during the process of researching potential fraud, customers may receivea letter informing them that the account has been temporarily closed. The Bank has to becontacted by the customer to verify information, or at times, they are required to send total iddocumentation to us. This documentation consist of a valid government-issued identification (i.e.,Driver’s License, Passport, and State ID), a copy of a signed social security card, and a copy ofa current utility bill (i.e., gas, electricity, or water) or a bank statement with your current address.All customers have 35 days from the date on the letter to send this information.The first hold in April was a result of gift card purchases. You were sent a letter on April 5, 2016,advising that we had security concerns due to irregular credit card transactions and to contact us.You contacted the Bank and were able to complete the total id verification; the account wasreopened.The second hold in April was a result of gift card purchases being shipped to New York. Youwere sent a letter on April 20, 2016, again, advising that we had security concerns due to irregularcredit card transactions and to contact us. You contacted the Bank and were able to completeverification with a supervisor who removed the block from the account.The third hold in June was a result of gift card purchases that were being redeemed in China.This fraud hold required that you send the Bank total id verification. Unfortunately, you refusedto send the Bank the documentation. Therefore, the account was permanently closed on July 28,2016. You were sent a letter to confirm the closure and that you would need to reapply for theVICTORIA’S SECRET account.Enclosed are copies of the three letters you were sent, that are noted above for your records.Comenity Bank’s position remains unchanged and we are unwilling to reinstate the VICTORIA’SSECRET account. You are welcome to reapply at any time online or in the store.We apologize for the inconvenience this matter has caused. Should you have any furtherquestions about the account, please contact a member of our Account Protection Team at###-###-#### (TDD/TTY ###-###-####). They will be happy to assist you.Sincerely,Shawnda Y[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]
visa has reversed charges by both sprint and directv.. thanks
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]
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**
Woman Within responded to my complaint indicating that I should submit my complaint to Comenity Bank PO Box 182273, Columbus. OH 432182273 Telephone number is ###-###-####. Comenity Bank is an unrelated third party.
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Woman Within@ credit card accounts, and we arehere to assist you with all account-related questions. I appreciate the opportunity to respond toyour...
concerns.We previously received and responded to your complaint submitted to our Dispute Teamregarding this matter. Please find enclosed a copy of our response sent to you on February 5,2016.Please be advised, the Bank has received your payment of $47.04, which has provided you witha credit balance of $9.07. A refund check has been issued and should be received, underseparate cover, in 14 days to the address above.I hope you find this information to be helpful. If you have any further questions. please contactme at ###-###-####. ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
Dear [redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Ann Taylor credit card. We are here to answer your questions and assist with your concerns. Your complaint states that the Bank adds extra...
fees, does not close account(s) when requested, and gives false information when trying to close; therefore, adding additional fees. You state that your purchase, of less than $200.00, grew after you closed the account on two separate occasions. You are requesting that the Bank refund you $100.00. The Ann Taylor account was opened on April 23, 2016; use of the account or failure to close the account within 30 days of receiving the Credit Card Agreement indicated your acceptance of the terms of the Agreement, including the assessment of any finance charges and fees. The last purchase of $113.09 was made on April 23, 2016, and the last payment of $98.04 was received on February 20, 2017. Bank records indicate that your account was delinquent for the months of June 2016 through August 2016, and also delinquent for the months of December 2016 through February 2017. Enclosed you will find copies of your billing statements showing the account activity that resulted in the account balance and delinquencies. Furthermore, the Bank closed the account as requested on October 29, 2016. Although you closed the account, a balance still existed. As such, the balance was subjected to late fees and finance charges if the payments were not received, received after the due date, or were made for less than the minimum required, as explained in the Credit Card Agreement. With regard to incorrect information, we are unable to identify what information you were provided that was incorrect. If you would like for us to further investigate this claim, we need more information. Please provide the information you feel was incorrect, and an estimated time frame. Once received, we will be happy to review the applicable telephone call(s). Comenity Bank respectfully declines your request to refund $100.00. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y[redacted]
Dear Mr. [redacted]We received your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Cornenity Bank issues The Sportsman's Guide Buyer's Club Visa accountsand we respond to all account-related questions. Your complaint was fonvarded to myattention, and I appreciate...
this opportunity to assist you.Your compliant states that you have asked us to delete an account from your credit bureau andthat we refuse to do so. You further indicate that you need this account to be deletedimmediately, due to this not being your account.Bank records indicate the only account we have registered in your name is The Sportsman'sGuide Buyer's Clubm Advantage Rewards Visa@. Further research shows the account wasopened on August 29, 2014, in the name of [redacted] The credit limit is $2,500.00. Thelast purchase charged on the account was for $14.81 on August 9, 2015. The last payment, inthe amount of $100.00, was received on August 3, 2015.Additionally, our records do not indicate a previous request for the Bank to delete this accountfrom your credit report. The account is open, and has been paid as agreed.If you feel this account was opened fraudulently please contact our Account Protection team at###-###-####, they will be happy to assist you.We hope this information is helpful. Should you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely, Rosa M[redacted]
February 9, 2017 [redacted] RE: Unwanted Calls Revdex.com Complaint ID #11977219 Dear Cheri P[redacted]: Comenity Bank (Bank) has received your correspondence. We are here to answer your...
questions and assist with your concerns. Your correspondence indicates you are receiving telephone calls from Comenity Bank regarding a matter not related to you. The calls placed to the telephone number were attempts by us to contact one of our customers regarding a business matter. We apologize for the inconvenience this may have caused. You should no longer be receiving phone calls regarding this matter as we have marked the telephone number ending in 9951 with “Do Not Call” instructions. If you receive calls from us on a different telephone number regarding a matter not related to you, please contact us at ###-###-#### to update our records. Sincerely, [redacted] [redacted]
Dear [redacted]Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret credit cardaccounts, we are here to answer account-related questions. Your complaint, submitted to theBetter Business, was forwarded to my attention for review. I appreciate the opportunity to...
assistyou.In your complaint you allege you did not enroll into the Account Assure program, and that youmissed the charges assessed because you receive your statements electronically. Whencontacting the company to cancel and request a refund, you were asked to verify yourinformation. Because there was an address error, missing phone number, no Social Securitynumber, and no security question, they refused to cancel the membership or issue a refund.You request the membership cancelled and a refund for $150.92.The Bank’s investigation found that you enrolled in Account Assure, which is an optional debtcancellation program, on November 4, 2014, during a call to confirm receipt of your Victoria’sSecret credit card. Your Victoria’s Secret account was charged a total of $168.82 in AccountAssure fees, which reflected on the billing statements. Enclosed are copies of the billingstatements and the Account Assure Welcome Kit sent to you upon enrollment.Please be assured that on March 9, 2016, we cancelled the Account Assure program and youwill no longer receive the benefits. Additionally, credits totaling $168.82 have been issued to theaccount for the fees assessed. You will see the credits on your March 16, 2016, billingstatement. AON, the vender for Account Assure acknowledged that they were unable to verifyyour address when you called them on March 8, 2016. However, they called you on March 9,2016, to confirm the cancellation and the credits issued to your account.We sincerely apologize for any frustration or inconvenience you have experienced as a result ofthis matter. If you have further questions or concerns, please contact me at ###-###-####,ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Comenity Bank previously removed this fraudulent account from my credit report only to wake up this morning to find it on my reports again, causing my credit score to drop 50+ points! This is not my bill. I pay all my bills. I filed a police report (REPORT NUMBER: [redacted]), I’ve done everything requested, yet they only remove it temporarily?! Promptly delete this account from all 3 credit reporting agencies.
I noticed a hard inquiry on my equifax credit report. I had this inquiry already removed from the other 2 reporting credit agencies in the past, and would like this to be removed from my equifax account as well. it was already discovered to be corrected and removed from the Revdex.com.I would like this hard inquiry to be removed from my equifax credit report please.
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the My Place Rewards credit card. We are here to answer your questions and assist with your concerns. Your correspondence indicates...
your bank had issues with changing payee addresses on their online bill pay and payments were going to the old address. You received a call from the Bank, and mailed the payment in full. You are requesting a refund for the payments that were sent to the old address, including interest, and the negative marks removed from your credit report. We have reviewed the concerns mentioned in your correspondence, and would like to provide the following information. 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. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee may be assessed to the account, as explained in the Credit Card Agreement. On June 28, 2017, a credit of $91.00 was issued to your account for the previously assessed late fees, and on July 25, 2017, a credit of $2.00 was issued for the minimum charge. These credits brought your account to a zero balance. On August 1, 2017, three payments totaling $103.00 were applied to your account, which resulted in a credit balance. As a result of the credit balance on the account, we have issued a refund check for $103.00. Please allow up to 14 business days to receive the check, which will be mailed separately from this correspondence. Please be assured, we submitted a request to the credit reporting agencies to remove the May and June 2017 delinquency previously reported. Please allow up to 45 days for this update to appear on your credit file. 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, Tionna M[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]
We have received the inquiry you sent to the RevDex.com (Revdex.com), regarding the above-noted account. Your correspondence was forwarded to
Comenity Bank (Bank).
Comenity Bank issues VICTORIA’S SECRET Angel
credit cards, and we are...
here to help answer your questions. I appreciate the opportunity to assist you
with your concerns.
We understand from your complaint that you
made several attempts to get a letter advising your account was current in the
month of February 2016 and that payment had been credited to your account. However, you have not received the letter
requested. We apologize for the
inconvenience this may have caused and any delay in getting your home. I would be happy to assist you and explain
our findings below.
Your records indicate the VICTORIA’S SECRET Angel
account was reported to the national credit-reporting agencies as 30-days past
due in February 2016. On March 19, 2016,
you spoke to a Bank representative advising that you were applying for a
mortgage and would like to have the above delinquency removed from your credit
report.
Please be assured, in the interest of
customer service, we have notified the national credit-reporting agencies to
show February 2016 as current. Please
keep in mind this may take them 45-days to update their records.
Further records show your VICTORIA’S SECRET Angel
account received two payments, one for $156.91 on February 15, 2016, and $21.29
on March 14, 2016, bringing your account balance to zero.
I hope you found this information to be helpful. If you have any questions or concerns, please
feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist
you.
Sincerely, Jack C[redacted]
...
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding [redacted]’s credit card account(s) with Comenity Capital Bank. As the bank that issues My BJ's Perks MasterCard® and HSN credit card accounts, we are here to assist with all account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you. Please accept our sincere condolences regarding the loss of [redacted]. We understand how difficult this time must be for you, and we appreciate the time you have taken to resolve his account(s) with Comenity Capital Bank. Thank you for taking the time to speak with me by telephone on May 9, 2015, regarding this matter. As a follow-up to our conversation, as of May 6, 2015, all accounts(s) listed in [redacted]’s name have been closed and properly noted. Furthermore, on May 11, 2015, the Bank received documentation naming you, [redacted], as the Executor of [redacted]’s estate. Please be assured this information has been noted on the accounts. We further understand that you were dissatisfied with the level of service you received when contacting our Customer Care department; in addition to the length of time it took to properly note [redacted]’s accounts with the Bank. Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns. The Bank has reviewed the applicable phone conversation. Please be assured, it is never the Bank's intention to treat our customers, or their family members, in a less-than-satisfactory manner. Comenity Capital Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. We hope you find this information to be helpful. Should you have any further questions, please contact me directly at ###-###-#### (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
...
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that the balance should be zero. You state that the Bank is charging you late fees and interest on an account that was paid in full. You request the balance and credit reporting be corrected. I am happy to share my findings. Please note that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. A billing statement was issued June 20, 2016, with a balance of $91.00 and a minimum payment of $25.00 due by July 16, 2016. Due to no payment posting by the due date a late fee and finance charge were assessed to the balance. A billing statement was issued July 21, 2016, with a balance of $118.22 and a minimum payment of $31.00 due by August 16, 2016. A payment in the amount of $50.00 posted to the account on July 23, 2016. A billing statement was issued August 21, 2016, with a balance of $70.22 and a minimum payment of $27.00 due by September 16, 2016. Due to no payment posting by the due date a late fee and finance charge were assessed to the balance. A billing statement was issued September 20, 2016, with a balance of $99.22 and a minimum payment of $32.00 due by October 16, 2016. A payment in the amount of $41.00 posted to the account on October 19, 2016. Due to the payment posting after the due date a late fee and finance charge were assessed to the balance. Additional billing statements were issued October 21, 2016, through May 21, 2017. As no further payments were received; the account wrote off with a balance of $276.43 on May 21, 2017. The account was then sold to Midland Funding on May 25, 2017. In the interest of customer service, we are in the process of purchasing your account back from Midland Funding. Once the process is complete, we will issue credits for any accrued late fees and finance charges to bring the account to a zero balance. We will also submit a request to the credit reporting agencies to delete the account from your credit file. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M[redacted] Compliance Dept. – Consumer Responses