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 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 [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]
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]
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]
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 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]
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: 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 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]
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.
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]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Comenity Bank has received your correspondence that you sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues the POTTERY BARN credit card accounts. We are here to answer your questions and assist with your concerns. We understand your concerns as explained in your correspondence. You state that your balance is incorrect; as there was a $58.51 purchase applied to your account on September 27, 2016, and October 6, 2016, for the same merchandise. Furthermore, you state a provisional credit of $58.51 was applied to the account, but later reversed. In addition, your $25.00 reward certificate was never credited towards your purchase. You are requesting the account be credited. Our records indicate the Bank previously received a dispute regarding the same concerns referenced in this correspondence. Please be advised that we previously responded to you on November 29, 2016. We have enclosed a copy of our previous response for your records. According to Pottery Barn, the purchases for $58.51, are for two different orders. Enclosed is a copy of the details for each order, which includes the order number, merchandise description, and transaction amount. The provisional credit of $58.51 was applied while we investigated your original dispute. Since the two charges were found to be valid, the provisional credit was reversed. Please keep in mind Comenity Bank and Pottery Barn are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while Pottery Barn is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Please be advised a credit of $25.00 was applied to your account on November 11, 2016. If your reward certificate was not applied to your purchase; or if you have additional questions or concerns regarding the orders, please contact Pottery Barn Catalog directly at ###-###-####. They will be happy to assist you. We value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you. I hope you 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 Responsescc: Revdex.com
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Bon-Ton credit card. We are here to answer your questions and assist with your concerns. We understand that you state you never enrolled...
in paperless billing, and since you never received your billing statement you should not be considered late on your payment. You state that the date of enrollment for the paperless billing doesn’t make sense as the bill wasn’t due until January 20, 2017. You would have never logged on to pay the bill on the fifth. Furthermore, you state that when you check your account there is a red flag for you to confirm your email address. You question how you would enroll in paperless billing if your email address was not confirmed, and you had been receiving paper billing statements until January 2017. You are requesting the Bank provide you with documentation confirming that you logged on to the system and opted into paperless billing. Our records indicate that your account was registered through our online Account Center on January 5, 2015, which provides account holders the ability to view statements and make payments online. On the same date, you enrolled in paperless statements, meaning you will receive your statements online versus postal mail. When enrolled in paperless statements, we send a monthly Statement-Ready Email (SRE) notifying you when the statement is available to be viewed. The last SRE was sent on April 28, 2017, and we do not have record of emails being returned as undeliverable from the email address you provided. If you wish to cancel your enrollment in paperless statements, please log in to Account Center and update this preference, or contact our Customer Care department at the phone number on the back of your Bon-Ton credit card. We understand that there is an alert on your Account Center portal to verify your email address. This alert is issued periodically to ensure that your email address on file with us is current and up to date, as only the customer can input the information due to the uniqueness and sensitivity of the email addresses. Please be advised to have the Bank provide you with documentation confirming your enrollment information, a subpoena would be necessary. The subpoena would need to be sent to the address below: Comenity Bank Clerk of Records [redacted]
[redacted] As the minimum payment for the April 2017 billing period was not received a late fee was assessed to your account in the amount of $26.35. The Bank has found no accounting errors; however, on May 10, 2017, we issued $26.35 credit for the late fee as courtesy. 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 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]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding your HSN credit cardaccount. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-relatedquestions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you.We understand your from your complaint that you are concerned about the balance of your account. Youstate that you are consistently making the minimum payments; however, the balance has not decreased.Additionally, you have contacted Comenity Capital Bank requesting an itemized statement but the requestwas not honored. We understand your concerns as explained in your correspondence, and we sincerelyapologize for any continued frustration or inconvenience you may have experienced.Please understand that Comenity Capital Bank and HSN are two separate entities. The Bank isresponsible for addressing questions related to the credit card account, while HSN is responsible forhandling matters related to sales, merchandise processing, returns and shipping.We have reviewed your HSN credit card account, and have enclosed a table which outlines yourstatement activity from February 2014 through January 201 6, including: purchases, payments, and bankfees assessed.In the interest of customer service, a late fee credit in the amount of $35.00 was credited to your accounton February 17, 2016.As of the date of this letter, the remaining balance on your HSN credit card account is $4,879.60 with aminimum payment of $0.00, due by March 12, 2016. Each month that the account has an unpaidbalance, a finance charge will be assessed at billing. The current APR for the HSN account is 26.99%.To avoid any additional finance charges, the account balance would need to be paid in full. The Bankfinds the account balance to be valid.Additionally, customers who are experiencing financiat difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS), organization for assistance. Their programs can provideoptions such as reducing the interest rate and the minimum payment requirement, and could include all ofyour creditors. Comenity Capital Bank supports and participates in the programs provided by CCCSagencies. Should you wish to obtain information regarding their programs and for a member agencylocated near you, please contact the National Foundation for Credit Counseling at ###-###-####.I hope you find this information to be helpful. Should you have any further questions regarding theoutlined in this letter, please contact me directly at ###-###-####, ext. [redacted]
Dear Rita Paul:Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the DentalFirst credit account. We are here toanswer your questions and assist with your concerns.We previously received and responded to your correspondence submitted to the Better BusinessBureau regarding this same matter. Please find enclosed a copy of our response sent to you onJune 13, 2017.As of the date of this letter, the balance on the account is $487.10. Your next billing statement willbe issued to you on June 24, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Renee S[redacted]Renee S[redacted]Compliance Dept. – Consumer ResponsesEnclosurecc: Revdex.com[redacted]
[redacted]
[redacted]
We received false notification that the financial monthly payment was fixed/adjusted correctly and now, received yet another bill for almost 40$ over the "adjusted" amount.Please help and advise![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]
I am rejecting this response because:
Regards,
[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 [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]
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]
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]
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 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]
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: 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 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]
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
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]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Comenity Bank has received your correspondence that you sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues the POTTERY BARN credit card accounts. We are here to answer your questions and assist with your concerns. We understand your concerns as explained in your correspondence. You state that your balance is incorrect; as there was a $58.51 purchase applied to your account on September 27, 2016, and October 6, 2016, for the same merchandise. Furthermore, you state a provisional credit of $58.51 was applied to the account, but later reversed. In addition, your $25.00 reward certificate was never credited towards your purchase. You are requesting the account be credited. Our records indicate the Bank previously received a dispute regarding the same concerns referenced in this correspondence. Please be advised that we previously responded to you on November 29, 2016. We have enclosed a copy of our previous response for your records. According to Pottery Barn, the purchases for $58.51, are for two different orders. Enclosed is a copy of the details for each order, which includes the order number, merchandise description, and transaction amount. The provisional credit of $58.51 was applied while we investigated your original dispute. Since the two charges were found to be valid, the provisional credit was reversed. Please keep in mind Comenity Bank and Pottery Barn are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while Pottery Barn is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Please be advised a credit of $25.00 was applied to your account on November 11, 2016. If your reward certificate was not applied to your purchase; or if you have additional questions or concerns regarding the orders, please contact Pottery Barn Catalog directly at ###-###-####. They will be happy to assist you. We value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you. I hope you 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 Responsescc: Revdex.com
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Bon-Ton credit card. We are here to answer your questions and assist with your concerns. We understand that you state you never enrolled...
in paperless billing, and since you never received your billing statement you should not be considered late on your payment. You state that the date of enrollment for the paperless billing doesn’t make sense as the bill wasn’t due until January 20, 2017. You would have never logged on to pay the bill on the fifth. Furthermore, you state that when you check your account there is a red flag for you to confirm your email address. You question how you would enroll in paperless billing if your email address was not confirmed, and you had been receiving paper billing statements until January 2017. You are requesting the Bank provide you with documentation confirming that you logged on to the system and opted into paperless billing. Our records indicate that your account was registered through our online Account Center on January 5, 2015, which provides account holders the ability to view statements and make payments online. On the same date, you enrolled in paperless statements, meaning you will receive your statements online versus postal mail. When enrolled in paperless statements, we send a monthly Statement-Ready Email (SRE) notifying you when the statement is available to be viewed. The last SRE was sent on April 28, 2017, and we do not have record of emails being returned as undeliverable from the email address you provided. If you wish to cancel your enrollment in paperless statements, please log in to Account Center and update this preference, or contact our Customer Care department at the phone number on the back of your Bon-Ton credit card. We understand that there is an alert on your Account Center portal to verify your email address. This alert is issued periodically to ensure that your email address on file with us is current and up to date, as only the customer can input the information due to the uniqueness and sensitivity of the email addresses. Please be advised to have the Bank provide you with documentation confirming your enrollment information, a subpoena would be necessary. The subpoena would need to be sent to the address below: Comenity Bank Clerk of Records [redacted]
[redacted] As the minimum payment for the April 2017 billing period was not received a late fee was assessed to your account in the amount of $26.35. The Bank has found no accounting errors; however, on May 10, 2017, we issued $26.35 credit for the late fee as courtesy. 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 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]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding your HSN credit cardaccount. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-relatedquestions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you.We understand your from your complaint that you are concerned about the balance of your account. Youstate that you are consistently making the minimum payments; however, the balance has not decreased.Additionally, you have contacted Comenity Capital Bank requesting an itemized statement but the requestwas not honored. We understand your concerns as explained in your correspondence, and we sincerelyapologize for any continued frustration or inconvenience you may have experienced.Please understand that Comenity Capital Bank and HSN are two separate entities. The Bank isresponsible for addressing questions related to the credit card account, while HSN is responsible forhandling matters related to sales, merchandise processing, returns and shipping.We have reviewed your HSN credit card account, and have enclosed a table which outlines yourstatement activity from February 2014 through January 201 6, including: purchases, payments, and bankfees assessed.In the interest of customer service, a late fee credit in the amount of $35.00 was credited to your accounton February 17, 2016.As of the date of this letter, the remaining balance on your HSN credit card account is $4,879.60 with aminimum payment of $0.00, due by March 12, 2016. Each month that the account has an unpaidbalance, a finance charge will be assessed at billing. The current APR for the HSN account is 26.99%.To avoid any additional finance charges, the account balance would need to be paid in full. The Bankfinds the account balance to be valid.Additionally, customers who are experiencing financiat difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS), organization for assistance. Their programs can provideoptions such as reducing the interest rate and the minimum payment requirement, and could include all ofyour creditors. Comenity Capital Bank supports and participates in the programs provided by CCCSagencies. Should you wish to obtain information regarding their programs and for a member agencylocated near you, please contact the National Foundation for Credit Counseling at ###-###-####.I hope you find this information to be helpful. Should you have any further questions regarding theoutlined in this letter, please contact me directly at ###-###-####, ext. [redacted]
Dear Rita Paul:Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the DentalFirst credit account. We are here toanswer your questions and assist with your concerns.We previously received and responded to your correspondence submitted to the Better BusinessBureau regarding this same matter. Please find enclosed a copy of our response sent to you onJune 13, 2017.As of the date of this letter, the balance on the account is $487.10. Your next billing statement willbe issued to you on June 24, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Renee S[redacted]Renee S[redacted]Compliance Dept. – Consumer ResponsesEnclosurecc: Revdex.com[redacted]
[redacted]
[redacted]
We received false notification that the financial monthly payment was fixed/adjusted correctly and now, received yet another bill for almost 40$ over the "adjusted" amount.Please help and advise![redacted]###-###-####