Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the HSN credit card accounts. We are here toanswer your questions and assist with your concerns.In your correspondence you state you ordered a mop. When the bill arrived,...
you paid for the mopin full; however, your payment was received after the due date and a late fee was assessed. Theaccount was closed as you requested; however, you keep getting bills that get higher everymonth. You want HSN to stop aggravating you and not mess up your credit. We apologize for anyfrustration or inconvenience this matter may have caused you.We have reviewed the concerns in your correspondence and would like to share our findings. Thedue date on your account is the 5th of the month. Bank records indicate a statement was issuedon April 9, 2017, indicating a balance of $46.90 with a minimum payment of $27.00 due by May5, 2017. A payment of $46.90 was received on May 10, 2017. Since the payment was receivedafter the due date, a late fee was assessed to the account.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement. Because this requirement was not met, the late fee is valid and weare unwilling to credit any additional late fees at this time.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the RoomPlace credit card. We are here to answer your questionsand assist with your concerns.Your correspondence indicates your concern about the minimum amount due on your...
billingstatement in connection to the purchase you made on a deferred-interest promotional plan.We have reviewed the concerns noted in your correspondence, and we would like to provide youwith the following information.The November 29, 2017, purchase for $5,243.90 was placed on a 60 Month Deferred InterestPayment Required promotional plan with an expiration date of December 4, 2022. Under theterms of this promotional plan, interest on the purchase is deferred until the plan expires. Thismeans that interest on this purchase is accruing monthly from the original purchase date, but isnot being applied to your account. In order to keep the accrued finance charges from being appliedto your account, the entire promotional purchase amount needs to be paid in full by thepromotional plan’s expiration date.The minimum payment due is calculated according to the balance on the account. The minimumpayment is 3.5% of the balance at the time of billing. The promotional plan does not have equalmonthly payments. Please be advised, as the balance decreases the minimum payment will alsodecrease.While we understand your concern, after our review of your account, we have determined thebalance is accurate and no adjustments are needed. If you have any questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Diamond LongCompliance Dept. – Consumer Responses
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, 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]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Old Pueblo Traders credit card. We are here to answer your questions and assistwith your concerns.We understand from your correspondence, submitted to the Revdex.com,...
that from January2017 through April 2017 you were charged a monthly fee of $14.97 for VIP Plus. You state that you spoketo someone, and were informed that the charge would no longer be added to your account. Additionally,you state that late fees have been added to your account and the balance is $225.00. You are requestingto have the fees removed and your account brought to a zero balance. You are also requesting that you donot receive any more catalogs.After reviewing your account, our records indicate that you enrolled in Old Pueblo Traders VIP Plus onNovember 10, 2016, while placing an online order. On January 19, 2017, the Old Pueblo Traders VIP Pluswas canceled.Please be assured that the charges for the Old Pueblo Traders VIP Plus have been credited back to youraccount. In addition, all late fees and finance charges related to this matter have been credited, whichbrings the account balance to zero.Additionally, the Bank has reinstated your credit limit to the original credit limit of $750.00.In regard to your request to stop receiving catalogs, a request has been submitted to discontinue thecatalogs. Please allow 4-6 weeks for all catalog mailings to cease.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear 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 [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Lane Bryant credit card. We are here to answer your questions and assist with your concerns.Your correspondence states that your account was reported delinquent to the...
credit-reporting agencies as a result of the payments you made through your savings account being returned. You are requesting that the delinquencies be removed from your credit bureau report because you did make your payments on time and you were not aware that you could not make payments using your savings account. We understand your concerns, and apologize for any inconvenience or frustration this matter may have caused you.Please find a summary of your account below. Enclosed you will find a copy of your Credit Card Agreement (CCA), which provides information regarding the forms of payments the Bank accepts under the “making payments” section, and copies of your billing statements showing the account activity that resulted in the account balance and delinquencies, which are reporting to the credit reporting agencies.Bank records indicate that your account was opened on July 21, 2009. The last purchase made on the account was on February 24, 2017, and the last payment received on the account was on March 16, 2017, in the amount of $58.22.Bank records further indicate that the payment you made on August 21, 2016, in the amount of $27.00 was returned on August 24, 2016. As a result, your account became one billing period past due. A statement was issued to you on August 25, 2016, showing a balance of $280.79 with a minimum payment of $41.00 due by September 20, 2016. The Bank did not receive a payment by the due date and as a result, a late fee was assessed to your account and the account became two billing periods past due and was reported to the national credit-reporting agencies as 30 days delinquent.On September 24, 2016, a statement was issued to you showing a balance of $324.28 with a minimum payment of $57.00 due by October 20, 2016. The Bank received a payment of $60.28 on September 29, 2016; however, on October 4, 2016, this payment was returned. As a result, your account became three billing periods past due and reported to the national credit-reporting agencies as 60 days delinquent. The Bank received another payment of $60.28 was received on October 21, 2016.On October 25, 2016, a statement was issued to you showing a balance of $271.13 with a minimum payment of $27.00 due by November 20, 2016. On October 28, 2016, the Bank received notice that the payment of $60.28 was returned. In addition, on November 22, 2016, a payment of $40.41 was received; however, on November 29, 2016, that payment was returned. As a result, the account became four billings period past due and reported to the national credit-reporting agencies as 90 days delinquent.Please be advised that we are only willing to remove or change information that our company incorrectlyfurnished to the credit-reporting agencies. We have found the information we reported is an accuratereflection of the payment history for your account. Therefore, this information will not be changed orremoved from your credit bureau report.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Jenny W[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 Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Venus credit card. We are here to answer your questions and assist with your concerns. Your complaint states that you moved and your mail...
got mixed up. You state that the month you moved you did not get any Venus mail, but you mailed a payment anyway, and your payment was returned to you by the post office due to the address being covered up. You pay your account faithfully, and called to let us know. You are requesting the removal of the late fee on the account and the delinquency from your credit bureau report. We apologize for the frustration and inconvenience you may have experienced. After a review of your account, our records indicate that we previously responded to your correspondence submitted to the Bank regarding this same matter. Please find enclosed copies of our responses to you on December 24, 2015, July 4, 2016, August 18, 2016, and April 16, 2017. In response to the address and mail issue, please be assured that Comenity Bank mailed the enclosed statements to you and we did not receive returned mail from the post office. Enclosed are copies of the billing statements for your records. As there were no Bank errors, we are unwilling to remove the late fees from your account, or the delinquencies from your credit report. 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]
I am rejecting this response because: Nothing has been resolved, my fees they charged even though I paid by the Promo Expiration date have not been removed. Obviously they are not trying to resolve this in a timely manner, just red tape delaying the process, but what more would you expect from a bank?
Regards,
Angie K[redacted]
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Boscov’s credit cards. We are here to answer your questions and assist with your concerns. We previously received and responded...
to your correspondence, submitted to the Bank, regarding this same matter. Please find enclosed a copy of our response sent to you on April 29, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted] Compliance Dept. – Consumer Responses
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]
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]
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 Mr. [redacted] We have received your complaint, addressed to the Revdex.com. Comenity Bank issues multiple 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 would like to assist you in resolving this matter. Unfortunately, we are unable to locate the account you are referencing in your complaint based on the information provided. In order to investigate your complaint, we request you provide us with your account number, copies of your billing statements, and/or a copy of your credit bureau report showing your account. Once this information has been received, we will be able to investigate your complaint further. Please send this information to my attention at the address shown above. We hope you find this information helpful. If you have any further questions about this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the HSN credit card accounts. We are here toanswer your questions and assist with your concerns.In your correspondence you state you ordered a mop. When the bill arrived,...
you paid for the mopin full; however, your payment was received after the due date and a late fee was assessed. Theaccount was closed as you requested; however, you keep getting bills that get higher everymonth. You want HSN to stop aggravating you and not mess up your credit. We apologize for anyfrustration or inconvenience this matter may have caused you.We have reviewed the concerns in your correspondence and would like to share our findings. Thedue date on your account is the 5th of the month. Bank records indicate a statement was issuedon April 9, 2017, indicating a balance of $46.90 with a minimum payment of $27.00 due by May5, 2017. A payment of $46.90 was received on May 10, 2017. Since the payment was receivedafter the due date, a late fee was assessed to the account.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement. Because this requirement was not met, the late fee is valid and weare unwilling to credit any additional late fees at this time.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the RoomPlace credit card. We are here to answer your questionsand assist with your concerns.Your correspondence indicates your concern about the minimum amount due on your...
billingstatement in connection to the purchase you made on a deferred-interest promotional plan.We have reviewed the concerns noted in your correspondence, and we would like to provide youwith the following information.The November 29, 2017, purchase for $5,243.90 was placed on a 60 Month Deferred InterestPayment Required promotional plan with an expiration date of December 4, 2022. Under theterms of this promotional plan, interest on the purchase is deferred until the plan expires. Thismeans that interest on this purchase is accruing monthly from the original purchase date, but isnot being applied to your account. In order to keep the accrued finance charges from being appliedto your account, the entire promotional purchase amount needs to be paid in full by thepromotional plan’s expiration date.The minimum payment due is calculated according to the balance on the account. The minimumpayment is 3.5% of the balance at the time of billing. The promotional plan does not have equalmonthly payments. Please be advised, as the balance decreases the minimum payment will alsodecrease.While we understand your concern, after our review of your account, we have determined thebalance is accurate and no adjustments are needed. If you have any questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Diamond LongCompliance Dept. – Consumer Responses
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, 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]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Old Pueblo Traders credit card. We are here to answer your questions and assistwith your concerns.We understand from your correspondence, submitted to the Revdex.com,...
that from January2017 through April 2017 you were charged a monthly fee of $14.97 for VIP Plus. You state that you spoketo someone, and were informed that the charge would no longer be added to your account. Additionally,you state that late fees have been added to your account and the balance is $225.00. You are requestingto have the fees removed and your account brought to a zero balance. You are also requesting that you donot receive any more catalogs.After reviewing your account, our records indicate that you enrolled in Old Pueblo Traders VIP Plus onNovember 10, 2016, while placing an online order. On January 19, 2017, the Old Pueblo Traders VIP Pluswas canceled.Please be assured that the charges for the Old Pueblo Traders VIP Plus have been credited back to youraccount. In addition, all late fees and finance charges related to this matter have been credited, whichbrings the account balance to zero.Additionally, the Bank has reinstated your credit limit to the original credit limit of $750.00.In regard to your request to stop receiving catalogs, a request has been submitted to discontinue thecatalogs. Please allow 4-6 weeks for all catalog mailings to cease.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear 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 [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Lane Bryant credit card. We are here to answer your questions and assist with your concerns.Your correspondence states that your account was reported delinquent to the...
credit-reporting agencies as a result of the payments you made through your savings account being returned. You are requesting that the delinquencies be removed from your credit bureau report because you did make your payments on time and you were not aware that you could not make payments using your savings account. We understand your concerns, and apologize for any inconvenience or frustration this matter may have caused you.Please find a summary of your account below. Enclosed you will find a copy of your Credit Card Agreement (CCA), which provides information regarding the forms of payments the Bank accepts under the “making payments” section, and copies of your billing statements showing the account activity that resulted in the account balance and delinquencies, which are reporting to the credit reporting agencies.Bank records indicate that your account was opened on July 21, 2009. The last purchase made on the account was on February 24, 2017, and the last payment received on the account was on March 16, 2017, in the amount of $58.22.Bank records further indicate that the payment you made on August 21, 2016, in the amount of $27.00 was returned on August 24, 2016. As a result, your account became one billing period past due. A statement was issued to you on August 25, 2016, showing a balance of $280.79 with a minimum payment of $41.00 due by September 20, 2016. The Bank did not receive a payment by the due date and as a result, a late fee was assessed to your account and the account became two billing periods past due and was reported to the national credit-reporting agencies as 30 days delinquent.On September 24, 2016, a statement was issued to you showing a balance of $324.28 with a minimum payment of $57.00 due by October 20, 2016. The Bank received a payment of $60.28 on September 29, 2016; however, on October 4, 2016, this payment was returned. As a result, your account became three billing periods past due and reported to the national credit-reporting agencies as 60 days delinquent. The Bank received another payment of $60.28 was received on October 21, 2016.On October 25, 2016, a statement was issued to you showing a balance of $271.13 with a minimum payment of $27.00 due by November 20, 2016. On October 28, 2016, the Bank received notice that the payment of $60.28 was returned. In addition, on November 22, 2016, a payment of $40.41 was received; however, on November 29, 2016, that payment was returned. As a result, the account became four billings period past due and reported to the national credit-reporting agencies as 90 days delinquent.Please be advised that we are only willing to remove or change information that our company incorrectlyfurnished to the credit-reporting agencies. We have found the information we reported is an accuratereflection of the payment history for your account. Therefore, this information will not be changed orremoved from your credit bureau report.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Jenny W[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 Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Venus credit card. We are here to answer your questions and assist with your concerns. Your complaint states that you moved and your mail...
got mixed up. You state that the month you moved you did not get any Venus mail, but you mailed a payment anyway, and your payment was returned to you by the post office due to the address being covered up. You pay your account faithfully, and called to let us know. You are requesting the removal of the late fee on the account and the delinquency from your credit bureau report. We apologize for the frustration and inconvenience you may have experienced. After a review of your account, our records indicate that we previously responded to your correspondence submitted to the Bank regarding this same matter. Please find enclosed copies of our responses to you on December 24, 2015, July 4, 2016, August 18, 2016, and April 16, 2017. In response to the address and mail issue, please be assured that Comenity Bank mailed the enclosed statements to you and we did not receive returned mail from the post office. Enclosed are copies of the billing statements for your records. As there were no Bank errors, we are unwilling to remove the late fees from your account, or the delinquencies from your credit report. 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]
I am rejecting this response because: Nothing has been resolved, my fees they charged even though I paid by the Promo Expiration date have not been removed. Obviously they are not trying to resolve this in a timely manner, just red tape delaying the process, but what more would you expect from a bank?
Regards,
Angie K[redacted]
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Boscov’s credit cards. We are here to answer your questions and assist with your concerns. We previously received and responded...
to your correspondence, submitted to the Bank, regarding this same matter. Please find enclosed a copy of our response sent to you on April 29, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted] Compliance Dept. – Consumer Responses
I am rejecting this response because:
Regards,
[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]
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]
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 Mr. [redacted] We have received your complaint, addressed to the Revdex.com. Comenity Bank issues multiple 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 would like to assist you in resolving this matter. Unfortunately, we are unable to locate the account you are referencing in your complaint based on the information provided. In order to investigate your complaint, we request you provide us with your account number, copies of your billing statements, and/or a copy of your credit bureau report showing your account. Once this information has been received, we will be able to investigate your complaint further. Please send this information to my attention at the address shown above. We hope you find this information helpful. If you have any further questions about this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]