Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. You state that a payment was made but...
the funds were taken late, and you have been assessed late fees. The Bank waived one of the late fees and a payment was made in full. You are requesting to have the fees removed and the account closed. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. After a review of your account, the payment in the amount of $59.38 was scheduled through our online Account Center on January 11, 2017, and was posted the same day. The account was assessed a late fee, as your payments are due on the 6th of each month. As no further payments were received, additional late fees were assessed to the account on February 6, 2017, March 6, 2017, and April 6, 2017. . On April 11, 2017, the balance on the account was $127.34. The payment in the amount of $37.00 was received, and the amount of $51.34 in fees was waived. This brought the balance to $77.02 with a minimum amount of $10.00 due by June 6, 2017. After a review of the conversation from April 11, 2017, you were misinformed about the balance owed on the account. As such, you were under the impression that the payment of $37.00, along with the credit provided, brought your account balance to zero. Due to the discrepancy, the Bank has waived the remaining balance of $128.16. Additionally, we have submitted a request to have the delinquencies reported from May 2017 to August 2017 removed from your credit bureau report. Please allow up to 45 days for the credit agencies to update their records. Per your request, the account has been closed. 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, Diamond L[redacted] Diamond L[redacted] Compliance Dept. – Consumer Responses
Dear Mrs. [redacted]We received your complaint, submitted to the Revdex.com, regarding the abovenotedaccount. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we arehere to answer your account related questions. The complaint was forwarded to my attention,and I appreciate...
the opportunity to address your concerns.Your complaint states that you paid on time and you were assessed a late fee, which the Bankwill not remove. You state that the Bank associate would not allow you to close the accountunless you paid the full amount. Furthermore, you state that you never received communicationor emails; six months later upon checking the account due to fraudulent activity with other cards,you seen the late fees. You want to settle this account for half of the balance, the late feeremoved and the account closed.Please be assured that we reviewed our records and we are happy to share our findings. I haveenclosed copies of the billing statements which show the account activity that comprised theaccount balance.Bank records indicate that the last purchase for $40.86 was charged to the account on April 13,2015. The April 2015 billing statement sent to you reflected a balance of $806.33 and paymentdue on May 13, 2015. As payment was not received for four billing periods, the accountaccrued late fees and finance charges.In July 2015, you filed a fraud claim, which the account was investigated. During theinvestigation, as a courtesy, the account was issued late fee and finance charge credits forApril, May, June, and July 2015 late fees and finance charges. Upon completion of theinvestigation, you were found to be responsible for the account charges. On September 29,2015, you were sent a letter by the Account Protection (Fraud) team, which indicated that theinvestigation concluded you were responsible and the Bank would commence forwardingstatements to you reflecting the balance owed by you and providing you with a minimumpayment amount and due date. Enclosed is a copy of this letter.As no payments were received for the next six billing periods, the account was assessed latefees and finance charges in November 2015, December 2015, January 2016, February 2016,March 2016, and April 2016, thus bringing the account balance to $1,078.99.On March 25, 2016, you were sent a letter that indicated the account was in review with theBank’s Payment Solutions Specialists and that we wanted to offer you the opportunity to resolvethis matter. On April 24, 2016, you were sent a letter that indicated we would offer you asettlement at a 40% discount. Enclosed are copies of these two letters.On April 25, 2016, you agreed to accept the settlement offer and made a $500.00 payment byphone. The account was updated with a “Closed Settlement” indicator. Therefore, as youagreed, the balance has already been settled, and we are unwilling to refund money to you orremove late fee(s).In addition, our findings concluded that the account was closed, as requested, on April 24, 2015.We apologize for any confusion or inconvenience this matter may have caused you. If you haveany further questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
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 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 Ms. [redacted]: We recently received a complaint, addressed to the Revdex.com, regarding your Ann Taylor/LOFT credit card account. Comenity Bank issues Ann Taylor/LOFT credit card accounts, and we respond to all account-related inquiries. I appreciate the opportunity to...
assist you. You state in your complaint that you recently received a letter from Comenity Bank indicating a balance of $793.79 owed on the above-noted account. You state that this information has been reported to the credit-reporting agencies and has negatively impacted your credit score. You are requesting the Bank provide a letter, addressed to you and the credit-reporting agencies, confirming that there was an error with the billing of the account. We have reviewed the account, and we are pleased to share our findings below. Bank records indicate that the above-noted account was opened on October 24, 2004. The last purchase, in the amount of $24.48, was applied to the account on July 20, 2013. The last payment, in the amount of $24.48, was received on August 21, 2013, resulting in a zero balance. Please be advised that the Bank identified an issue which resulted in an incorrect balance being displayed on letters that were mailed to our customers. Please be assured that the erroneous balance was only listed on the letter you received, and was not reported to the credit-reporting agencies. We sincerely apologize for any confusion this matter may have caused. Comenity Bank is required to report accurate information in regard to account activity. We have reviewed the information reporting on your credit file in relation to the above-noted account, and we find that the information reported is correct; as such, no changes will be made to your credit file. Please be assured, as of November 18, 2015, your Ann Taylor/LOFT credit card account has been closed. We hope you find this information to be helpful. If you have any further questions, 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 above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. I appreciate the opportunity to assist you.Your complaint...
states that after placing an online order on November 7, 2014, in the amount of $26.00, you never received the order. You contacted Victoria’s Secret catalogue and were advised that the account would be credited for the charge. As you assumed the Victoria’s Secret account would be credited, there would no longer be any balance owed. You left for vacation and returned in February 2015. Upon return, you found that you were provided a merchandise credit and not a credit to your account. As such, the account went past due 60 days, which you immediately paid, and you re-ordered the same items. You have also stated that the Bank failed to rectify this issue for you, and you want the late payments removed from your credit file.Bank records indicate that you ordered and charged items totaling $26.46 to your Victoria’s Secret/PINK account on November 8, 2014. As payment was not received, your account went three billing periods past due for December 2014, January 2015, and February 2015.After speaking to the Bank, credits for the bank fees totaling $83.56 were credited to your account, as a courtesy. Payment of $28.56 was received on March 18, 2015, which brought the account balance to zero.We have contacted Victoria’s Secret catalogue on your behalf, and confirmed the following. Your original purchase, order #[redacted], was made online November 7, 2014, and shipped to you on November 8, 2014. You contacted Victoria’s Secret catalogue on February 23, 2015 stating that you did not receive the order. At that time, Victoria’s Secret processed a replacement package be sent to you, free of charge (order #[redacted]). Because one of the panties from the original order was no longer available, and the new package was processed beyond 90 days of the original order, you were provided a $4.12 merchandise credit on February 25, 2015. For questions regarding the order or merchandise credit, please contact Victoria’s Secret catalogue at ###-###-####.As no Bank errors were made, Comenity Bank is unwilling to remove the 60-day delinquency from your account. As a suggestion, you may submit a consumer statement to the credit-reporting agencies, advising why the account went past due. Although this will not change your credit rating, it will be available to potential creditors who are extending new credit to you.We apologize for any inconvenience this matter may have caused you. Should you have further questions or concerns regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
The statements made in the response I find unacceptable. I did call customer service and them stating that I they have no record of the call is bogus but not surprising. And I say that because the person I called and spoke with to discuss my order is the one that told me they could not do anything to help me. When I asked to speak to transfer me to the complaint department, she stated that she takes complaints. No business should not have a complaint department. I asked to speak to her supervisor and she put me on hold and then said her supervisor was busy but that her response would be the same. So to receive a response from the customer response specialist that they have NO record of my call, I am not surprised to hear. I did in fact call customer service and I have the phone records to prove it.Also, the "thorough" review of my account is also inaccurate. I have an email (see attached) dated April 24th with a bill for $119.69, and the response letter from them is dated 4/26. So there was NO thorough review. Referencing a purchase almost a year ago would not justify me filing a Revdex.com claim this far out.The concern is that I put in my MC to have the purchase applied to that card, but it was instead charged to my Avenue Credit Card. I will be closing my Avenue account to avoid any further "mishaps" of this nature in the future. And will no longer be making online purchases with this company. Or frequent their store locations. There business practices, including their customer service I find to be unacceptable. As well as the response received.
Regards, [redacted]
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 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
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank previously issued Justice credit card accounts, and we are here to help with your account-related questions. I appreciate this opportunity to...
assist you. We understand from your complaint that a payment for $67.04 was submitted to Comenity Bank on February 5, 2016, to pay the Justice account. You state you did not realize the account had been sold to Capital One, and that the previous payment sent for $50.00 was forwarded to the new lender. However, this payment has not been forwarded and the Justice account is delinquent. Additionally, you state you have made several attempts to resolve this matter with the Bank to no avail. At this time you request a refund for the payment of $67.04 for the payment made in error. We apologize for any frustration this matter may have caused you. Thank you for providing information to aid in our research. Please be advised that Bank records indicate we did not receive the payment of $67.04. Therefore, we are unable to refund this payment. We recommend that you contact your financial institution to dispute the payment made. We hope this information is helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Kaija M[redacted]
RE: Victoria’s
Secret/[redacted] Credit Card Account Ending In [redacted]
...
RevDex.com Complaint ID #[redacted]
Dear [redacted]:
We received your complaint, submitted to the
Revdex.com, regarding the above-noted account. Comenity Bank issues [redacted]
credit card accounts, and we respond to all account-related inquiries. Your complaint was forwarded to my attention,
and I appreciate the opportunity to assist you.
We understand from your complaint that you
used your account a couple of times, paid it off, and never used the account
again. You also state you never received
a credit card for the account and the number was always looked up by a store
associate. After a recent check of your
credit file, you discovered the account had been charged off and you state the
account was used by someone you were
staying with. You state that the account
is not yours and needs to be removed from your credit report.
Bank records indicate that the account was
opened in your name on March 27, 2009.
The last purchase of $248.40 was charged to the account on September 4, 2013,
and the last payment for $25.00 was received on September 3, 2013. As no further payments have been received,
the account wrote-off on March 24, 2014, with an unpaid balance of $1,581.53.
Please be assured that our Account Protection
team sent you a Statement of Fraud and Forgery (SOFF) under separate
cover. Please be sure that you complete
the SOFF and return it to the Account Protection team in the envelope included
in the packet.
Comenity Bank vigorously pursues any
individual who is suspected of perpetration of a fraud. This may include contact with various local,
state and federal law enforcement agencies.
We assure you that we will do everything to resolve this situation with
as little inconvenience to you as possible.
Please feel free to contact our Account Protection team at
###-###-#### (TDD/TTY ###-###-####) with any questions or concerns and
reference case number [redacted].
We hope this information is
helpful. Should you have any
further questions or concerns, please contact the Account Protection team at
the number provided above. They would be
happy to assist you.
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
My payment was scheduled the 1st of the month, but you didn't take it out until the 2nd, in order to charge me a late fee. I know this because you have done this to me in the past. It is a scam, and most people just pay it and you get extra money. But seeing as you've done it to me before, I know the scam. I am not paying for your mistake and I am not letting this go because I take fraudulent activity on me, my accounts and my credit VERY seriously. All because you wanted to scam me out of any extra $25 you are ruining my credit. I will not pay for your mistake.
Regards,
[redacted]Well unfortunately I wouldn't have that information as I scheduled it online. (Conveniently for them) the only proof I can give you is how diligent I am with my bills, and money, and my credit rating. I frequently schedule payments ahead of time. If I had known they would do this to me again, I would definitely have kept all correspondence like I am this time.They always frequently say that payments don't post until the next day, but if it is scheduled the due date, then no fees will be assessed...well in this case they still assessed those illegal fees.Also, unfortunately, they don't give me access to certain parts of my account where I may be able to find said information.So I do not accept their conclusion as I have been a victim of this before and they know exactly how to manipulate for it to go their way.On another note, I am not asking for much; I am not trying to get out of paying a bill, I am just trying to get their fraudulent and unethical charges against me taken off and my account back to zero.It was scheduled through their website. It was debited from my bank account, but they don't provide info on the when it was scheduled, only the day it was actually taken out of my account, which is actually days after Comenity applied the payment.So like I said, conveniently they do not provide me with proof so that I have nothing to back my case up, conveniently.Again, this is an easy resolve, as the dispute in question is only late fees.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
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 complaint, addressed to the Revdex.com, regarding your TALBOTS credit card account. Comenity Bank issues TALBOTS credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you.We understand from the complaint that you purchased a dress from Talbots and then returned the dress following the required procedures. You state that you were billed for the shipping which you accepted and paid. You further state that you were incorrectly billed $27.00, which you paid; however, Comenity Bank then credited the $27.00 to your account. Now you are receiving a statement for $14.00 and your credit is being affected because you are being reported as delinquent. You would like a billing adjustment and for a correction to be sent to the credit bureaus to reflect as not being delinquent. We understand your concerns and apologize for any frustration this matter may have caused.After a thorough review of the above-referenced account, records indicate on March 21, 2016, a purchase of $152.04, for Novelty Sheath, was charged to the account. On April 13, 2016, the Novelty Sheath was returned and the account was credited $144.04. Please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, any applicable tax and shipping and handling. When the merchandise is returned, Talbots will credit your account for the cost of the merchandise and tax only. In addition, if you use the return label for your return, the cost of the return label is billed to your account to cover the cost of the return shipping and handling.Records further indicate that on April 13, 2016, a payment of $8.00 was received. Lastly, on April 13, 2016, Talbots charged a $6.95 shipping fee for the return shipping.A billing statement was issued on April 20, 2016, indicating a balance of $6.95, with a payment of $6.95 due by May 16, 2016. Since you are a paperless customer, a Statement Ready Email was sent to you on April 24, 2016, to advise you your statement was available on Account Center. As no payment was received, a late fee of $6.95 was assessed to the account.Although there were no Bank errors, in the interest of customer service, we issued credits for the previously assessed Bank fees. Additionally, a credit of $6.95 was issued to the account for the return label fee. Furthermore, we spoke to Talbots on your behalf and are happy to share that Talbots agreed to issue a refund in the amount of $8.00 for the shipping and handling that was assessed.The credits issued to your account have resulted in a credit balance on your account. A refundcheck will be issued and should arrive in the next 7-10 business days.Please be assured, notification has been sent to the national credit-reporting agencies withinstructions to remove the 30-day delinquency that was reported for May 2016, regarding yourTALBOTS account. Please allow the credit-reporting agencies 45 days to update their records.We value you as a customer, and hope you find this information to be helpful. If you have anyfurther questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Ashley R[redacted]
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 complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Pier 1 imports® credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention,...
and I appreciate the opportunity to respond to your concerns. We understand from your complaint you were charged twice in February for $43.00. You contacted Pier 1 imports customer service and the credit card area, and you were supposed to be refunded the extra charge. You state you were never contacted that you were refunded, and that you still owed $18.00. You are requesting that all fees be credited back to your account. We apologize for any inconvenience this matter may have caused you. After a review of your account, our records indicate that your account was registered on our online Account Center on February 5, 2016, using [redacted]. Additionally, you chose paperless statements, meaning you will receive your statements online versus postal mail. When enrolled in paperless statements, we will send you a monthly Statement-Ready Email (SRE), alerting you your statement is available to be retrieved. SRE’s have been sent to your email address and the Bank has no record of any of the SRE’s being returned as undeliverable. Your monthly billing statements are your notification of account activity. Statements will advise that a payment is due and also advises you if your account is past due and when the last payment was received, as well as reflecting any charges or credits to the account. On April 1, 2016, your account was credited $43.00 for the duplicate charge. On April 8, 2016, a statement was generated reflecting the credit and indicated a balance of $20.00 with a minimum payment of $20.00 due by May 4, 2016. As no payment was received, a late fee and finance charge were assessed to your account, in accordance with the Credit Card Agreement. On June 10, 2016, all fees were credited to your account. In addition, we have removed the remaining $18.00 from your account. With these adjustments the balance on your account is zero. Please be assured that notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment information that was reported for the Pier 1 imports® credit card account. Please allow the credit-reporting agencies 45 days to update their records. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
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[redacted]We received the inquiry
that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues Ann Taylor/LOFT,
credit card accounts, and we are here to help answer account-related
questions. Your inquiry was forwarded...
to
my attention, and I appreciate the opportunity to address your concerns.We understand from your correspondence
that the Ann Taylor/LOFT store in [redacted] is claiming payment was not
received for two months. However, you
state that payments have been made every month in cash at the store. You request that all late payment fees be waived and that we remove
all late payment information from your credit report. Please note, we have reviewed the above-noted
credit card account, and we are pleased to share our findings below. Our records indicate that the payment due
date on your Ann Taylor/LOFT account occurs on the 5th of each
month. When a payment is received after
the due date, but before the close of the billing cycle, it will be applied to
the current cycle. Furthermore, when the
minimum required payments are not received by the due date, the account will be
assessed a late fee, as explained in the
Credit Card Agreement (CCA). Our records indicate the Ann Taylor/LOFT
account was opened on March 27, 2014. The last purchase of $62.47 was made on August 8, 2015. The last payment, in the amount of $100.00,
was received on November 13, 2015. The account billed on
September 9, 2015, with a balance of $1,082.65 and a minimum payment of $105.00,
due by October 5, 2015. A payment
of $100.00 was received on September 12, 2015, and October 9, 2015. Because the full minimum payment of $105.00
was received after the due date, a late fee was assessed to the account. The account billed on
October 10, 2015, with a balance of $938.87 and a minimum payment of $47.00 due
by November 5, 2015. As no payment was
received, a late fee was assessed to the account. Although we found no billing errors on the
part of Comenity Bank, in the interest of customer service, on November 29,
2015, a late fee credit for $35.00 was issued to the account.As of the date of this correspondence, the
account balance is $858.47.Enclosed please find a copy of the monthly
billing statements, which show the account activity.Please be assured that Comenity Bank has not
reported negative payment information to the credit-reporting agencies,
regarding the Ann Taylor/LOFT account.We
hope this information is helpful. If you have any further questions or
concerns regarding the account, please contact me directly at ###-###-####,
ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Tionna M[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. You state that a payment was made but...
the funds were taken late, and you have been assessed late fees. The Bank waived one of the late fees and a payment was made in full. You are requesting to have the fees removed and the account closed. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. After a review of your account, the payment in the amount of $59.38 was scheduled through our online Account Center on January 11, 2017, and was posted the same day. The account was assessed a late fee, as your payments are due on the 6th of each month. As no further payments were received, additional late fees were assessed to the account on February 6, 2017, March 6, 2017, and April 6, 2017. . On April 11, 2017, the balance on the account was $127.34. The payment in the amount of $37.00 was received, and the amount of $51.34 in fees was waived. This brought the balance to $77.02 with a minimum amount of $10.00 due by June 6, 2017. After a review of the conversation from April 11, 2017, you were misinformed about the balance owed on the account. As such, you were under the impression that the payment of $37.00, along with the credit provided, brought your account balance to zero. Due to the discrepancy, the Bank has waived the remaining balance of $128.16. Additionally, we have submitted a request to have the delinquencies reported from May 2017 to August 2017 removed from your credit bureau report. Please allow up to 45 days for the credit agencies to update their records. Per your request, the account has been closed. 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, Diamond L[redacted] Diamond L[redacted] Compliance Dept. – Consumer Responses
Dear Mrs. [redacted]We received your complaint, submitted to the Revdex.com, regarding the abovenotedaccount. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we arehere to answer your account related questions. The complaint was forwarded to my attention,and I appreciate...
the opportunity to address your concerns.Your complaint states that you paid on time and you were assessed a late fee, which the Bankwill not remove. You state that the Bank associate would not allow you to close the accountunless you paid the full amount. Furthermore, you state that you never received communicationor emails; six months later upon checking the account due to fraudulent activity with other cards,you seen the late fees. You want to settle this account for half of the balance, the late feeremoved and the account closed.Please be assured that we reviewed our records and we are happy to share our findings. I haveenclosed copies of the billing statements which show the account activity that comprised theaccount balance.Bank records indicate that the last purchase for $40.86 was charged to the account on April 13,2015. The April 2015 billing statement sent to you reflected a balance of $806.33 and paymentdue on May 13, 2015. As payment was not received for four billing periods, the accountaccrued late fees and finance charges.In July 2015, you filed a fraud claim, which the account was investigated. During theinvestigation, as a courtesy, the account was issued late fee and finance charge credits forApril, May, June, and July 2015 late fees and finance charges. Upon completion of theinvestigation, you were found to be responsible for the account charges. On September 29,2015, you were sent a letter by the Account Protection (Fraud) team, which indicated that theinvestigation concluded you were responsible and the Bank would commence forwardingstatements to you reflecting the balance owed by you and providing you with a minimumpayment amount and due date. Enclosed is a copy of this letter.As no payments were received for the next six billing periods, the account was assessed latefees and finance charges in November 2015, December 2015, January 2016, February 2016,March 2016, and April 2016, thus bringing the account balance to $1,078.99.On March 25, 2016, you were sent a letter that indicated the account was in review with theBank’s Payment Solutions Specialists and that we wanted to offer you the opportunity to resolvethis matter. On April 24, 2016, you were sent a letter that indicated we would offer you asettlement at a 40% discount. Enclosed are copies of these two letters.On April 25, 2016, you agreed to accept the settlement offer and made a $500.00 payment byphone. The account was updated with a “Closed Settlement” indicator. Therefore, as youagreed, the balance has already been settled, and we are unwilling to refund money to you orremove late fee(s).In addition, our findings concluded that the account was closed, as requested, on April 24, 2015.We apologize for any confusion or inconvenience this matter may have caused you. If you haveany further questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
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 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 Ms. [redacted]: We recently received a complaint, addressed to the Revdex.com, regarding your Ann Taylor/LOFT credit card account. Comenity Bank issues Ann Taylor/LOFT credit card accounts, and we respond to all account-related inquiries. I appreciate the opportunity to...
assist you. You state in your complaint that you recently received a letter from Comenity Bank indicating a balance of $793.79 owed on the above-noted account. You state that this information has been reported to the credit-reporting agencies and has negatively impacted your credit score. You are requesting the Bank provide a letter, addressed to you and the credit-reporting agencies, confirming that there was an error with the billing of the account. We have reviewed the account, and we are pleased to share our findings below. Bank records indicate that the above-noted account was opened on October 24, 2004. The last purchase, in the amount of $24.48, was applied to the account on July 20, 2013. The last payment, in the amount of $24.48, was received on August 21, 2013, resulting in a zero balance. Please be advised that the Bank identified an issue which resulted in an incorrect balance being displayed on letters that were mailed to our customers. Please be assured that the erroneous balance was only listed on the letter you received, and was not reported to the credit-reporting agencies. We sincerely apologize for any confusion this matter may have caused. Comenity Bank is required to report accurate information in regard to account activity. We have reviewed the information reporting on your credit file in relation to the above-noted account, and we find that the information reported is correct; as such, no changes will be made to your credit file. Please be assured, as of November 18, 2015, your Ann Taylor/LOFT credit card account has been closed. We hope you find this information to be helpful. If you have any further questions, 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 above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. I appreciate the opportunity to assist you.Your complaint...
states that after placing an online order on November 7, 2014, in the amount of $26.00, you never received the order. You contacted Victoria’s Secret catalogue and were advised that the account would be credited for the charge. As you assumed the Victoria’s Secret account would be credited, there would no longer be any balance owed. You left for vacation and returned in February 2015. Upon return, you found that you were provided a merchandise credit and not a credit to your account. As such, the account went past due 60 days, which you immediately paid, and you re-ordered the same items. You have also stated that the Bank failed to rectify this issue for you, and you want the late payments removed from your credit file.Bank records indicate that you ordered and charged items totaling $26.46 to your Victoria’s Secret/PINK account on November 8, 2014. As payment was not received, your account went three billing periods past due for December 2014, January 2015, and February 2015.After speaking to the Bank, credits for the bank fees totaling $83.56 were credited to your account, as a courtesy. Payment of $28.56 was received on March 18, 2015, which brought the account balance to zero.We have contacted Victoria’s Secret catalogue on your behalf, and confirmed the following. Your original purchase, order #[redacted], was made online November 7, 2014, and shipped to you on November 8, 2014. You contacted Victoria’s Secret catalogue on February 23, 2015 stating that you did not receive the order. At that time, Victoria’s Secret processed a replacement package be sent to you, free of charge (order #[redacted]). Because one of the panties from the original order was no longer available, and the new package was processed beyond 90 days of the original order, you were provided a $4.12 merchandise credit on February 25, 2015. For questions regarding the order or merchandise credit, please contact Victoria’s Secret catalogue at ###-###-####.As no Bank errors were made, Comenity Bank is unwilling to remove the 60-day delinquency from your account. As a suggestion, you may submit a consumer statement to the credit-reporting agencies, advising why the account went past due. Although this will not change your credit rating, it will be available to potential creditors who are extending new credit to you.We apologize for any inconvenience this matter may have caused you. Should you have further questions or concerns regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
The statements made in the response I find unacceptable. I did call customer service and them stating that I they have no record of the call is bogus but not surprising. And I say that because the person I called and spoke with to discuss my order is the one that told me they could not do anything to help me. When I asked to speak to transfer me to the complaint department, she stated that she takes complaints. No business should not have a complaint department. I asked to speak to her supervisor and she put me on hold and then said her supervisor was busy but that her response would be the same. So to receive a response from the customer response specialist that they have NO record of my call, I am not surprised to hear. I did in fact call customer service and I have the phone records to prove it.Also, the "thorough" review of my account is also inaccurate. I have an email (see attached) dated April 24th with a bill for $119.69, and the response letter from them is dated 4/26. So there was NO thorough review. Referencing a purchase almost a year ago would not justify me filing a Revdex.com claim this far out.The concern is that I put in my MC to have the purchase applied to that card, but it was instead charged to my Avenue Credit Card. I will be closing my Avenue account to avoid any further "mishaps" of this nature in the future. And will no longer be making online purchases with this company. Or frequent their store locations. There business practices, including their customer service I find to be unacceptable. As well as the response received.
Regards, [redacted]
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 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
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank previously issued Justice credit card accounts, and we are here to help with your account-related questions. I appreciate this opportunity to...
assist you. We understand from your complaint that a payment for $67.04 was submitted to Comenity Bank on February 5, 2016, to pay the Justice account. You state you did not realize the account had been sold to Capital One, and that the previous payment sent for $50.00 was forwarded to the new lender. However, this payment has not been forwarded and the Justice account is delinquent. Additionally, you state you have made several attempts to resolve this matter with the Bank to no avail. At this time you request a refund for the payment of $67.04 for the payment made in error. We apologize for any frustration this matter may have caused you. Thank you for providing information to aid in our research. Please be advised that Bank records indicate we did not receive the payment of $67.04. Therefore, we are unable to refund this payment. We recommend that you contact your financial institution to dispute the payment made. We hope this information is helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Kaija M[redacted]
September 18, 2015
[redacted]
[redacted]
[redacted]
RE: Victoria’s
Secret/[redacted] Credit Card Account Ending In [redacted]
...
RevDex.com Complaint ID #[redacted]
Dear [redacted]:
We received your complaint, submitted to the
Revdex.com, regarding the above-noted account. Comenity Bank issues [redacted]
credit card accounts, and we respond to all account-related inquiries. Your complaint was forwarded to my attention,
and I appreciate the opportunity to assist you.
We understand from your complaint that you
used your account a couple of times, paid it off, and never used the account
again. You also state you never received
a credit card for the account and the number was always looked up by a store
associate. After a recent check of your
credit file, you discovered the account had been charged off and you state the
account was used by someone you were
staying with. You state that the account
is not yours and needs to be removed from your credit report.
Bank records indicate that the account was
opened in your name on March 27, 2009.
The last purchase of $248.40 was charged to the account on September 4, 2013,
and the last payment for $25.00 was received on September 3, 2013. As no further payments have been received,
the account wrote-off on March 24, 2014, with an unpaid balance of $1,581.53.
Please be assured that our Account Protection
team sent you a Statement of Fraud and Forgery (SOFF) under separate
cover. Please be sure that you complete
the SOFF and return it to the Account Protection team in the envelope included
in the packet.
Comenity Bank vigorously pursues any
individual who is suspected of perpetration of a fraud. This may include contact with various local,
state and federal law enforcement agencies.
We assure you that we will do everything to resolve this situation with
as little inconvenience to you as possible.
Please feel free to contact our Account Protection team at
###-###-#### (TDD/TTY ###-###-####) with any questions or concerns and
reference case number [redacted].
We hope this information is
helpful. Should you have any
further questions or concerns, please contact the Account Protection team at
the number provided above. They would be
happy to assist you.
Sincerely,
[redacted]
Consumer Relations Specialist
CC: RevDex.com
...
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
My payment was scheduled the 1st of the month, but you didn't take it out until the 2nd, in order to charge me a late fee. I know this because you have done this to me in the past. It is a scam, and most people just pay it and you get extra money. But seeing as you've done it to me before, I know the scam. I am not paying for your mistake and I am not letting this go because I take fraudulent activity on me, my accounts and my credit VERY seriously. All because you wanted to scam me out of any extra $25 you are ruining my credit. I will not pay for your mistake.
Regards,
[redacted]Well unfortunately I wouldn't have that information as I scheduled it online. (Conveniently for them) the only proof I can give you is how diligent I am with my bills, and money, and my credit rating. I frequently schedule payments ahead of time. If I had known they would do this to me again, I would definitely have kept all correspondence like I am this time.They always frequently say that payments don't post until the next day, but if it is scheduled the due date, then no fees will be assessed...well in this case they still assessed those illegal fees.Also, unfortunately, they don't give me access to certain parts of my account where I may be able to find said information.So I do not accept their conclusion as I have been a victim of this before and they know exactly how to manipulate for it to go their way.On another note, I am not asking for much; I am not trying to get out of paying a bill, I am just trying to get their fraudulent and unethical charges against me taken off and my account back to zero.It was scheduled through their website. It was debited from my bank account, but they don't provide info on the when it was scheduled, only the day it was actually taken out of my account, which is actually days after Comenity applied the payment.So like I said, conveniently they do not provide me with proof so that I have nothing to back my case up, conveniently.Again, this is an easy resolve, as the dispute in question is only late fees.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
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 complaint, addressed to the Revdex.com, regarding your TALBOTS credit card account. Comenity Bank issues TALBOTS credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you.We understand from the complaint that you purchased a dress from Talbots and then returned the dress following the required procedures. You state that you were billed for the shipping which you accepted and paid. You further state that you were incorrectly billed $27.00, which you paid; however, Comenity Bank then credited the $27.00 to your account. Now you are receiving a statement for $14.00 and your credit is being affected because you are being reported as delinquent. You would like a billing adjustment and for a correction to be sent to the credit bureaus to reflect as not being delinquent. We understand your concerns and apologize for any frustration this matter may have caused.After a thorough review of the above-referenced account, records indicate on March 21, 2016, a purchase of $152.04, for Novelty Sheath, was charged to the account. On April 13, 2016, the Novelty Sheath was returned and the account was credited $144.04. Please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, any applicable tax and shipping and handling. When the merchandise is returned, Talbots will credit your account for the cost of the merchandise and tax only. In addition, if you use the return label for your return, the cost of the return label is billed to your account to cover the cost of the return shipping and handling.Records further indicate that on April 13, 2016, a payment of $8.00 was received. Lastly, on April 13, 2016, Talbots charged a $6.95 shipping fee for the return shipping.A billing statement was issued on April 20, 2016, indicating a balance of $6.95, with a payment of $6.95 due by May 16, 2016. Since you are a paperless customer, a Statement Ready Email was sent to you on April 24, 2016, to advise you your statement was available on Account Center. As no payment was received, a late fee of $6.95 was assessed to the account.Although there were no Bank errors, in the interest of customer service, we issued credits for the previously assessed Bank fees. Additionally, a credit of $6.95 was issued to the account for the return label fee. Furthermore, we spoke to Talbots on your behalf and are happy to share that Talbots agreed to issue a refund in the amount of $8.00 for the shipping and handling that was assessed.The credits issued to your account have resulted in a credit balance on your account. A refundcheck will be issued and should arrive in the next 7-10 business days.Please be assured, notification has been sent to the national credit-reporting agencies withinstructions to remove the 30-day delinquency that was reported for May 2016, regarding yourTALBOTS account. Please allow the credit-reporting agencies 45 days to update their records.We value you as a customer, and hope you find this information to be helpful. If you have anyfurther questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Ashley R[redacted]
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 complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Pier 1 imports® credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention,...
and I appreciate the opportunity to respond to your concerns. We understand from your complaint you were charged twice in February for $43.00. You contacted Pier 1 imports customer service and the credit card area, and you were supposed to be refunded the extra charge. You state you were never contacted that you were refunded, and that you still owed $18.00. You are requesting that all fees be credited back to your account. We apologize for any inconvenience this matter may have caused you. After a review of your account, our records indicate that your account was registered on our online Account Center on February 5, 2016, using [redacted]. Additionally, you chose paperless statements, meaning you will receive your statements online versus postal mail. When enrolled in paperless statements, we will send you a monthly Statement-Ready Email (SRE), alerting you your statement is available to be retrieved. SRE’s have been sent to your email address and the Bank has no record of any of the SRE’s being returned as undeliverable. Your monthly billing statements are your notification of account activity. Statements will advise that a payment is due and also advises you if your account is past due and when the last payment was received, as well as reflecting any charges or credits to the account. On April 1, 2016, your account was credited $43.00 for the duplicate charge. On April 8, 2016, a statement was generated reflecting the credit and indicated a balance of $20.00 with a minimum payment of $20.00 due by May 4, 2016. As no payment was received, a late fee and finance charge were assessed to your account, in accordance with the Credit Card Agreement. On June 10, 2016, all fees were credited to your account. In addition, we have removed the remaining $18.00 from your account. With these adjustments the balance on your account is zero. Please be assured that notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment information that was reported for the Pier 1 imports® credit card account. Please allow the credit-reporting agencies 45 days to update their records. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
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[redacted]We received the inquiry
that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues Ann Taylor/LOFT,
credit card accounts, and we are here to help answer account-related
questions. Your inquiry was forwarded...
to
my attention, and I appreciate the opportunity to address your concerns.We understand from your correspondence
that the Ann Taylor/LOFT store in [redacted] is claiming payment was not
received for two months. However, you
state that payments have been made every month in cash at the store. You request that all late payment fees be waived and that we remove
all late payment information from your credit report. Please note, we have reviewed the above-noted
credit card account, and we are pleased to share our findings below. Our records indicate that the payment due
date on your Ann Taylor/LOFT account occurs on the 5th of each
month. When a payment is received after
the due date, but before the close of the billing cycle, it will be applied to
the current cycle. Furthermore, when the
minimum required payments are not received by the due date, the account will be
assessed a late fee, as explained in the
Credit Card Agreement (CCA). Our records indicate the Ann Taylor/LOFT
account was opened on March 27, 2014. The last purchase of $62.47 was made on August 8, 2015. The last payment, in the amount of $100.00,
was received on November 13, 2015. The account billed on
September 9, 2015, with a balance of $1,082.65 and a minimum payment of $105.00,
due by October 5, 2015. A payment
of $100.00 was received on September 12, 2015, and October 9, 2015. Because the full minimum payment of $105.00
was received after the due date, a late fee was assessed to the account. The account billed on
October 10, 2015, with a balance of $938.87 and a minimum payment of $47.00 due
by November 5, 2015. As no payment was
received, a late fee was assessed to the account. Although we found no billing errors on the
part of Comenity Bank, in the interest of customer service, on November 29,
2015, a late fee credit for $35.00 was issued to the account.As of the date of this correspondence, the
account balance is $858.47.Enclosed please find a copy of the monthly
billing statements, which show the account activity.Please be assured that Comenity Bank has not
reported negative payment information to the credit-reporting agencies,
regarding the Ann Taylor/LOFT account.We
hope this information is helpful. If you have any further questions or
concerns regarding the account, please contact me directly at ###-###-####,
ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Tionna M[redacted]