Comenity is stating that under the law the remaining balance
is what they are obligated to give me as a credit I am asking the Revdex.com
to really take a look at Comenity business practices. What is happening
here is extremely unlawful. If I hadn't stopped payment on the very last
check I sent to Comenity, the credit given to me would have been instead
of 702.00. Let me explain what I mean by this so that you can see how
"lawful" Comenity is being and how clear it is that Comenity and American
Laser Skincare share the same concept on collecting money from a consumer and
giving nothing in return business practices
I received a collection call from Comenity six weeks after the [redacted]
skin care center was closed because I put a stop payment on a check I wrote in
the amount of 225.00. When I went to my skincare appointment I found out
the center was closed and had been for a month already so I called and put the
stop payment on the check I had just written. I did this the second I
left the [redacted] Skin care building in shock as I read the posted notice
on the door. Now the interesting point is I made a payment three
weeks previously to Comenity that they cashed while [redacted] Skincare was
closed. How is this lawful? Why did Comenity cash my check for
services I didn't receive? Why am I not getting the money for services I
didn't receive when Comenity knew [redacted] Skincare was closed? Why
did they continue to collect money from me for services they knew I wasn't ever
going to get? It is clear Comenity has no intentions on finding me
alternate services
Bottom line:
-I did not get the services I paid for and Comenity continued collecting for
services that didn't even exist.
-American Laser Skincare through Comenity's customer service number was
promising customers refunds or a replacement of services in the beginning only
to screw them over later and now another company is opening in the same exact
location as the American Laser Skin Care Center providing the same
services.
-Comenity collected money from me after American Laser was closed for services
I wasn't ever going to get
Comenity has been the worst experience I have had with a creditor and this is
by far the worst consumer protection I have had or even have heard of and this
has changed how I will purchase things for the rest of my life. Going
forward I will only use my [redacted] because you can count on [redacted] as they protect their consumers.
In this response I am requesting that the sum I requested be refunded in the
form of a check mailed to my address in which Comenity has on file and that any
and all credit cards I have open with Comenity bank be closed. I have no
desire to ever do business with this company EVER again. Right now the
only card I am aware of that I have associated with Comenity is my [redacted]
credit card (and no I don't have a balance on it so it can be closed). I
would rather pay an extra 20% at the [redacted] store than use any card
financed through Comenity bank
Regards,
[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]
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 $26.35 credit for the late fee as courtesy. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L[redacted] Diamond L[redacted] Compliance Dept. – Consumer Responses
We received false notification that the financial monthly payment was fixed/adjusted correctly and now, received yet another bill for almost 40$ over the "adjusted" amount.Please help and advise![redacted]###-###-####
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 Mr. [redacted]We have received your complaint regarding calls received from Comenity Bank. Please beassured, we are here to help with your concerns. Your complaint, addressed to the BetterBusiness Bureau, was forwarded to my attention and we appreciate the opportunity to assistyou.We understand...
from your complaint, you are not an accountholder with Comenity Bank;however, you have received numerous calls from our Bank.You are requesting Comenity Bank cease all calls to the telephone number ending in 2168.Please accept our apology for any frustration that you have experienced regarding this situation.The telephone calls placed to the number ending in 2168 were an attempt to contact ourcustomer regarding a personal business matter; this phone number was shown as a possiblenumber to reach our customer. Thank you for notifying the Bank that this is not a number whereour customer can be reached. Please be assured, we will no longer contact you at this numberregarding this matter.l hope you find this information to be helpful. Should you have additional questions or concernsthis matter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####.I would be happy to assist you.[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the RoomPlace credit card. We are here to answer your questionsand assist with your concerns.Your correspondence indicates you purchased a bedroom set from The...
RoomPlace, and boththe bedroom set and your home were damaged during the course of delivery. You indicate youpreviously disputed the charges to your account; however, the Bank continues to charge youraccount and call you multiple times a day. Additionally, you state you have received calls as earlyas 8:30 a.m., and Illinois law states a company cannot start collection calls before 9:00 a.m. Youare requesting a refund of your delivery charges, a halting of your interest rate during the disputeinvestigation, and for no more harassing costs.Please note The RoomPlace and Comenity Bank are two separate entities. The Bank issues andis responsible for addressing questions related to your credit card account. The RoomPlace isresponsible for handling matters related to sales, merchandise processing, returns and shipping.Upon receipt of your complaint, we contacted The RoomPlace regarding the return of thereferenced bedroom set purchased in September 2016. The RoomPlace confirmed you wereissued a full refund for all items associated with the damaged bedroom set on October 28, 2016,including taxes and a delivery charge. This refund consisted of credits totaling $1,323.20 to yourRoomPlace account, as well as $144.86 issued to a separate, unaffiliated credit card that wasalso used during the September 2016 transaction. The credits to your RoomPlace accountappeared on your statement for the billing cycle ending November 15, 2016. You remainedresponsible for the charge of $3,170.98 to the RoomPlace account, as The RoomPlace indicatedyou are still in possession of those items.Additionally, The RoomPlace advised your other credit card was also issued a credit of $169.99on October 11, 2016, as a result of the damages caused upon delivery. This was the deliverycharge for the other items purchased in September 2016 that were not returned.While we previously investigated your concerns resulting from a telephone dispute initiated onNovember 18, 2016, a provisional credit of $3,170.98 was issued to your RoomPlace account.Through our research, we confirmed The RoomPlace issued the above-referenced credits for thereturned items; therefore, the provisional credit was reversed upon completion of our investigationon December 31, 2016, and you were found responsible for the remaining balance on the account.No fees or charges were assessed to your account during the dispute period.No payment has been received from you since October 11, 2016, and your account is currentlythree billing cycles past due in payment. Please keep in mind that when payments are notreceived, are received after the due date, or are made for less than the minimum required, theaccount will be assessed a late fee, as explained in the Credit Card Agreement. A $27.00 late feecredit was previously applied to your account on January 24, 2017.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 creditreporting. Many times a payment is overlooked, and reminder calls or payment discussions arehelpful to bring the account back to a current status. We have reviewed the applicable telephonerecords and have verified that all calls were made between 8:00 a.m. and 9:00 p.m. in your timezone and that all calls were placed in accordance with applicable laws and regulations.Please also note that your purchases were placed on a deferred interest promotional plan, whichmeans interest accrues on the purchases, but is not assessed to your account, during thepromotional period. If the purchase balance is paid in full by the expiration of the promotional plan,the account will not be assessed the deferred interest. The promotional plan is set to expire onMay 18, 2019.The RoomPlace has indicated they contacted you directly regarding the damage caused to yourhome during delivery, and you indicated this matter has been resolved. If the matter was notresolved, you will need to address this directly with The RoomPlace.Based on our investigation, we find no additional credits are necessary. I hope you have foundthis information to be helpful. If you have any questions or concerns, please feel free to contactme at ###-###-####.Sincerely,Megan W[redacted]
I have submitted a response to Jordan N[redacted] in the Compliance Department of Comenity Bank as well the State of Delaware Banking Commissioner's. I am submitting a copy of all the documents mailed via first class mail to Jordan N[redacted] and the Banking Commissioners. The Representatives of Comeniity continue to reject their responsibility for violating the FCRA 1681 for a period of six years. Comenity Bank has intentionally given inaccurate information to the Credit Reporting Agencies, the Ohio Revdex.com, and the State of Delaware Banking Commissioners. I have no need of further communication with Ms. M[redacted] as she has conceivably acknowledge her privilege to circumvent an honest response to resolve an apparent Company falsification of legal documents. Regards [redacted]
Dear Mr. [redacted]: We received your additional complaint, addressed to the Revdex.com, regarding the above-noted account. Comenity Capital Bank issues Ortitz Rewards Visa credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate this opportunity to assist you. Our records indicate that the situation referenced in your complaint has been investigated and responses were previously issued on January 21, 2016, and May 25, 2016, explaining our findings and resolution. Comenity Capital Bank’s position remains unchanged. Enclosed, please find copies of both of these previous responses. Comenity Capital Bank recommends reaching out directly to the merchant for assistance. We sincerely apologize for any inconvenience this matter may have caused you and hope that you find this information to be helpful. Should you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY) ###-###-####). I will be happy to assist you. Sincerely, Rosa M[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues your Jessica London@ credit card account, and weare here to assist you with all account-related questions. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint that you have been called and sent a bill from ComenityBank. You state you provided us with information that the account was paid and the item wasreturned. You further state you were contacted about a bill due by another resident in yourmobile home park, and that you were being billed for another person's purchases. You havebeen charged late fees. You state you called and asked what the bill was for, but did notreceive any results. You further state that you have been enrolled in the payment help center.You would like no more bills, the credit reporting updated, and no more phone calls.Please note that Jessica London and Comenity Bank are two separate entities. The Bankissues and is responsible for addressing questions related to the Jessica London@ credit cardaccount. Jessica London is responsible for handling matters related to sales, merchandiseprocessing, returns and shipping.When merchandise is ordered from Jessica London, the account is charged for the cost of themerchandise, sales tax (if applicable), and shipping and handling. Jessica London does notrefund shipping and handling charges. In addition, if the provided return label is used to returnthe package, the return label fee is also charged to the account.We have reviewed the account and we are happy to share our findingsPlease keep in mind when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement.Please note that there is no record of charges being added to your Jessica London@ credit card,that are not your own, or where we attempted to contact you in regards to another person's bill.WHAT IS THE PAYMENT HELP CENTER?A Website that increases payment options for delinquent customers, as well as providesgreater customer satisfaction. Customers will be able to make payments on delinquentaccounts utilizing this website.There is no fee to make a payment online through the Payment Help Center.The Bank has reviewed the applicable phone conversations. We apologize if you felt that youdid not receive the best customer service. It is never the Bank's intention to treat our customersin a less-than-satisfactory manner. Comenity Bank is committed to providing the best customerservice and is disappointed when a customer feels that this standard was not met.Although we find the balance to be valid, in the interest of customer service. Comenity Bank isnot holding you responsible for the remaining balance of $199.80. Due to this account beingreported as a write off Comenity Bank sent a request to the national credit-reporting agenciesto delete the account from your credit report in its entirety. Please allow up to 45 days for thisinformation to be updated in their records.Please be assured that we have updated our records and you should not receive any furthertelephone calls at the telephone numbers ending in 9184 and 0821 from Comenity Bank.regarding your Jessica London@ account.We hope you find this information helpful. If you have any questions, or need additionalassistance, please do not hesitate to contact me directly at ###-###-####. ext. [redacted](TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R[redacted]
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted accounts. Comenity Bank issues Victoria’s Secret/PINK and Lane Bryant 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 received notification of accounts opened that you did not apply for. You have asked if the notifications were a scam and if whom you contacted at the Bank were valid representatives. You would like to be relieved of responsibility for these accounts.Bank records show that the accounts listed above were opened in your name and address on May 13, 2015. Additionally, our records show that you did contact the Bank on May 23, 2015, and spoke to our Account Protection team. Please be assured that the representatives you spoke to are valid. Additionally, on this day, you were sent a Statement of Fraud and Forgery. Please be sure that you complete the SOFF and return it to the Account Protection team in the envelope included in the packet. Their investigation will begin as soon as the SOFF is returned with information regarding the claim.We also want to advise you that both accounts are closed and no further purchases can be made. You are not responsible for payments while the accounts are in investigation, and the credit bureaus have been notified of the fraud claim.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 ###-###-#### with any questions or concerns.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
Dear [redacted]We received a complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questions. The complaint, addressed to the Revdex.com, wasforwarded to my...
attention, and I appreciate the opportunity to respond to your concerns.We understand your frustration because American Laser Skincare went out of business and youare not able to pursue obtaining services; however, we are only able to help you with yourAmerican Laser Skincare credit card account.We resolved the dispute in accordance with the dispute provisions of the credit card agreement,which are also outlined in the Billing Rights Summary contained in the monthly billingstatements. Specifically, we refer you to the following section:What To Do I f You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Carnenity Capital Bank,PO Box 182620, Columbus, Ohia 43218-2620. In your letter, give us the followinginformatian:Account information: Your name and account numberDoliar amount: The dollar amount of the suspected errorDescription ofProblem: If you think there is an erroron your bill: describe whatyou believe is wrong and why you believe it is a mistakeYou must contact us within 60 days after the error appeared on your statement.You must notify us of any potential errors in writing. You may call us, but if you do weare not required to investigate any potential errors and you may have to pay the amountin question.While we investigate whether or not there has been an error, the following are true:a We cannot try to collect the amount in question, or report you as delinquent onthat amount.L The charge in question may remain on your statement, and we may continue tocharge you interest on that amount. But, if we deterrntne that we made a mistake,you will not have to pay the amount in question or any interest or other feesrelated to that amount.While you do not have to pay the amaunt in question. you are responsible for theremainder of the balance.We can apply any unpaid amount against your credit limit.Your Riahts lf Yau Are Dissatisfied Wifh Your Credif Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with yourcredit card, and you have tried in good faith to correct the problem with the merchant,you may have the right not te pay the remaining amount due on the purchase. To usethis right, all of the fallowing must be true:1. The purchase must have been made in your home state or within 100 miles of yourcurrent mailing address, and the purchase price must have been more than $50.00.(Note: Neither of these is necessary if your purchase was based on anadvertisement we mailed to you, or if we awn the company that sald you the goodsor services.)2. You must have used your credit card for the purchase. Purchases made with cashadvances from an ATM or with a check that accesses your credit card account danot qualify.3. You must not yet have fully paid for the purchase.What this means for you is, if the dispute was submitted more than 60 days afler the f~rsbt illingstatement on which the disputed charge appeared and you have not yet fully paid for thepurchase, the maximum amount eligible for a credit is the balance on the account at the time ofthe dispute. When we received your dispute, there was a balance of $700.19, which was theamount credited to your account on February 10,2015.We apologize for any inconvenience thts matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. Regards, [redacted]
Never provided my date of birth, I except that the account has been closed and remove from my credit .
Here is my proof! Way too much hassle to prove I made a payment back in September! I had to use a stamp and find a fax machine. I am out time and money for no reason!
Regards, [redacted]
Comenity Bank has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the roomplace® credit card. We are here to answer your questions and assist with your concerns. We understand that you are requesting a refund of $100.00 due to the delay in receiving a credit from The Roomplace in the amount of $59.27 to your personal credit card. We would like to apologize for any inconvenience this situation may have caused you. Please be advised that Comenity Bank and The Roomplace are two separate entities. The Bank issues and is responsible for addressing questions related to the roomplace® credit card account. The Roomplace is responsible for handling matters related to sales, cancellations, refunds, merchandise processing, returns, shipping, and transactions made with other credit cards. For compensation regarding charges/credits applied to another credit card, other than the roomplace® credit card, please contact The Roomplace directly at ###-###-####, as Comenity Bank is unable to make adjustments to charges/credits applied to other credit cards. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely,
I am rejecting this response due to this being the fault of Commenity Bank I they allowed the accounts to be opened and used under my name but closed them after use but still want me to pay balances on all accounts. I had a family death is why I did not mail in the forms in enough time I was told 10 days now it's I had 45 days. Every person gives me a different story except that nothing can be done. All I want is my accounts reinstated or another opened with my original balances and limits or the information removed from my credit. Thank you
Regards, Lashya Westbrook
Comenity is stating that under the law the remaining balance
is what they are obligated to give me as a credit I am asking the Revdex.com
to really take a look at Comenity business practices. What is happening
here is extremely unlawful. If I hadn't stopped payment on the very last
check I sent to Comenity, the credit given to me would have been instead
of 702.00. Let me explain what I mean by this so that you can see how
"lawful" Comenity is being and how clear it is that Comenity and American
Laser Skincare share the same concept on collecting money from a consumer and
giving nothing in return business practices
I received a collection call from Comenity six weeks after the [redacted]
skin care center was closed because I put a stop payment on a check I wrote in
the amount of 225.00. When I went to my skincare appointment I found out
the center was closed and had been for a month already so I called and put the
stop payment on the check I had just written. I did this the second I
left the [redacted] Skin care building in shock as I read the posted notice
on the door. Now the interesting point is I made a payment three
weeks previously to Comenity that they cashed while [redacted] Skincare was
closed. How is this lawful? Why did Comenity cash my check for
services I didn't receive? Why am I not getting the money for services I
didn't receive when Comenity knew [redacted] Skincare was closed? Why
did they continue to collect money from me for services they knew I wasn't ever
going to get? It is clear Comenity has no intentions on finding me
alternate services
Bottom line:
-I did not get the services I paid for and Comenity continued collecting for
services that didn't even exist.
-American Laser Skincare through Comenity's customer service number was
promising customers refunds or a replacement of services in the beginning only
to screw them over later and now another company is opening in the same exact
location as the American Laser Skin Care Center providing the same
services.
-Comenity collected money from me after American Laser was closed for services
I wasn't ever going to get
Comenity has been the worst experience I have had with a creditor and this is
by far the worst consumer protection I have had or even have heard of and this
has changed how I will purchase things for the rest of my life. Going
forward I will only use my [redacted] because you can count on [redacted] as they protect their consumers.
In this response I am requesting that the sum I requested be refunded in the
form of a check mailed to my address in which Comenity has on file and that any
and all credit cards I have open with Comenity bank be closed. I have no
desire to ever do business with this company EVER again. Right now the
only card I am aware of that I have associated with Comenity is my [redacted]
credit card (and no I don't have a balance on it so it can be closed). I
would rather pay an extra 20% at the [redacted] store than use any card
financed through Comenity bank
Regards,
[redacted]
Responses.
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]
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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 $26.35 credit for the late fee as courtesy. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L[redacted] Diamond L[redacted] Compliance Dept. – Consumer Responses
We received false notification that the financial monthly payment was fixed/adjusted correctly and now, received yet another bill for almost 40$ over the "adjusted" amount.Please help and advise![redacted]###-###-####
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
Consumer provided copy of account statement indicating a -0- balance.
Dear Mr. [redacted]We have received your complaint regarding calls received from Comenity Bank. Please beassured, we are here to help with your concerns. Your complaint, addressed to the BetterBusiness Bureau, was forwarded to my attention and we appreciate the opportunity to assistyou.We understand...
from your complaint, you are not an accountholder with Comenity Bank;however, you have received numerous calls from our Bank.You are requesting Comenity Bank cease all calls to the telephone number ending in 2168.Please accept our apology for any frustration that you have experienced regarding this situation.The telephone calls placed to the number ending in 2168 were an attempt to contact ourcustomer regarding a personal business matter; this phone number was shown as a possiblenumber to reach our customer. Thank you for notifying the Bank that this is not a number whereour customer can be reached. Please be assured, we will no longer contact you at this numberregarding this matter.l hope you find this information to be helpful. Should you have additional questions or concernsthis matter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####.I would be happy to assist you.[redacted]
Complaint has been satisfied by the credit card company. No further action is necessary.Thank you.
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the RoomPlace credit card. We are here to answer your questionsand assist with your concerns.Your correspondence indicates you purchased a bedroom set from The...
RoomPlace, and boththe bedroom set and your home were damaged during the course of delivery. You indicate youpreviously disputed the charges to your account; however, the Bank continues to charge youraccount and call you multiple times a day. Additionally, you state you have received calls as earlyas 8:30 a.m., and Illinois law states a company cannot start collection calls before 9:00 a.m. Youare requesting a refund of your delivery charges, a halting of your interest rate during the disputeinvestigation, and for no more harassing costs.Please note The RoomPlace and Comenity Bank are two separate entities. The Bank issues andis responsible for addressing questions related to your credit card account. The RoomPlace isresponsible for handling matters related to sales, merchandise processing, returns and shipping.Upon receipt of your complaint, we contacted The RoomPlace regarding the return of thereferenced bedroom set purchased in September 2016. The RoomPlace confirmed you wereissued a full refund for all items associated with the damaged bedroom set on October 28, 2016,including taxes and a delivery charge. This refund consisted of credits totaling $1,323.20 to yourRoomPlace account, as well as $144.86 issued to a separate, unaffiliated credit card that wasalso used during the September 2016 transaction. The credits to your RoomPlace accountappeared on your statement for the billing cycle ending November 15, 2016. You remainedresponsible for the charge of $3,170.98 to the RoomPlace account, as The RoomPlace indicatedyou are still in possession of those items.Additionally, The RoomPlace advised your other credit card was also issued a credit of $169.99on October 11, 2016, as a result of the damages caused upon delivery. This was the deliverycharge for the other items purchased in September 2016 that were not returned.While we previously investigated your concerns resulting from a telephone dispute initiated onNovember 18, 2016, a provisional credit of $3,170.98 was issued to your RoomPlace account.Through our research, we confirmed The RoomPlace issued the above-referenced credits for thereturned items; therefore, the provisional credit was reversed upon completion of our investigationon December 31, 2016, and you were found responsible for the remaining balance on the account.No fees or charges were assessed to your account during the dispute period.No payment has been received from you since October 11, 2016, and your account is currentlythree billing cycles past due in payment. Please keep in mind that when payments are notreceived, are received after the due date, or are made for less than the minimum required, theaccount will be assessed a late fee, as explained in the Credit Card Agreement. A $27.00 late feecredit was previously applied to your account on January 24, 2017.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 creditreporting. Many times a payment is overlooked, and reminder calls or payment discussions arehelpful to bring the account back to a current status. We have reviewed the applicable telephonerecords and have verified that all calls were made between 8:00 a.m. and 9:00 p.m. in your timezone and that all calls were placed in accordance with applicable laws and regulations.Please also note that your purchases were placed on a deferred interest promotional plan, whichmeans interest accrues on the purchases, but is not assessed to your account, during thepromotional period. If the purchase balance is paid in full by the expiration of the promotional plan,the account will not be assessed the deferred interest. The promotional plan is set to expire onMay 18, 2019.The RoomPlace has indicated they contacted you directly regarding the damage caused to yourhome during delivery, and you indicated this matter has been resolved. If the matter was notresolved, you will need to address this directly with The RoomPlace.Based on our investigation, we find no additional credits are necessary. I hope you have foundthis information to be helpful. If you have any questions or concerns, please feel free to contactme at ###-###-####.Sincerely,Megan W[redacted]
I have submitted a response to Jordan N[redacted] in the Compliance Department of Comenity Bank as well the State of Delaware Banking Commissioner's. I am submitting a copy of all the documents mailed via first class mail to Jordan N[redacted] and the Banking Commissioners. The Representatives of Comeniity continue to reject their responsibility for violating the FCRA 1681 for a period of six years. Comenity Bank has intentionally given inaccurate information to the Credit Reporting Agencies, the Ohio Revdex.com, and the State of Delaware Banking Commissioners. I have no need of further communication with Ms. M[redacted] as she has conceivably acknowledge her privilege to circumvent an honest response to resolve an apparent Company falsification of legal documents. Regards [redacted]
Dear Mr. [redacted]: We received your additional complaint, addressed to the Revdex.com, regarding the above-noted account. Comenity Capital Bank issues Ortitz Rewards Visa credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate this opportunity to assist you. Our records indicate that the situation referenced in your complaint has been investigated and responses were previously issued on January 21, 2016, and May 25, 2016, explaining our findings and resolution. Comenity Capital Bank’s position remains unchanged. Enclosed, please find copies of both of these previous responses. Comenity Capital Bank recommends reaching out directly to the merchant for assistance. We sincerely apologize for any inconvenience this matter may have caused you and hope that you find this information to be helpful. Should you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY) ###-###-####). I will be happy to assist you. Sincerely, Rosa M[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues your Jessica London@ credit card account, and weare here to assist you with all account-related questions. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint that you have been called and sent a bill from ComenityBank. You state you provided us with information that the account was paid and the item wasreturned. You further state you were contacted about a bill due by another resident in yourmobile home park, and that you were being billed for another person's purchases. You havebeen charged late fees. You state you called and asked what the bill was for, but did notreceive any results. You further state that you have been enrolled in the payment help center.You would like no more bills, the credit reporting updated, and no more phone calls.Please note that Jessica London and Comenity Bank are two separate entities. The Bankissues and is responsible for addressing questions related to the Jessica London@ credit cardaccount. Jessica London is responsible for handling matters related to sales, merchandiseprocessing, returns and shipping.When merchandise is ordered from Jessica London, the account is charged for the cost of themerchandise, sales tax (if applicable), and shipping and handling. Jessica London does notrefund shipping and handling charges. In addition, if the provided return label is used to returnthe package, the return label fee is also charged to the account.We have reviewed the account and we are happy to share our findingsPlease keep in mind when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement.Please note that there is no record of charges being added to your Jessica London@ credit card,that are not your own, or where we attempted to contact you in regards to another person's bill.WHAT IS THE PAYMENT HELP CENTER?A Website that increases payment options for delinquent customers, as well as providesgreater customer satisfaction. Customers will be able to make payments on delinquentaccounts utilizing this website.There is no fee to make a payment online through the Payment Help Center.The Bank has reviewed the applicable phone conversations. We apologize if you felt that youdid not receive the best customer service. It is never the Bank's intention to treat our customersin a less-than-satisfactory manner. Comenity Bank is committed to providing the best customerservice and is disappointed when a customer feels that this standard was not met.Although we find the balance to be valid, in the interest of customer service. Comenity Bank isnot holding you responsible for the remaining balance of $199.80. Due to this account beingreported as a write off Comenity Bank sent a request to the national credit-reporting agenciesto delete the account from your credit report in its entirety. Please allow up to 45 days for thisinformation to be updated in their records.Please be assured that we have updated our records and you should not receive any furthertelephone calls at the telephone numbers ending in 9184 and 0821 from Comenity Bank.regarding your Jessica London@ account.We hope you find this information helpful. If you have any questions, or need additionalassistance, please do not hesitate to contact me directly at ###-###-####. ext. [redacted](TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R[redacted]
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted accounts. Comenity Bank issues Victoria’s Secret/PINK and Lane Bryant 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 received notification of accounts opened that you did not apply for. You have asked if the notifications were a scam and if whom you contacted at the Bank were valid representatives. You would like to be relieved of responsibility for these accounts.Bank records show that the accounts listed above were opened in your name and address on May 13, 2015. Additionally, our records show that you did contact the Bank on May 23, 2015, and spoke to our Account Protection team. Please be assured that the representatives you spoke to are valid. Additionally, on this day, you were sent a Statement of Fraud and Forgery. Please be sure that you complete the SOFF and return it to the Account Protection team in the envelope included in the packet. Their investigation will begin as soon as the SOFF is returned with information regarding the claim.We also want to advise you that both accounts are closed and no further purchases can be made. You are not responsible for payments while the accounts are in investigation, and the credit bureaus have been notified of the fraud claim.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 ###-###-#### with any questions or concerns.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
Dear [redacted]We received a complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questions. The complaint, addressed to the Revdex.com, wasforwarded to my...
attention, and I appreciate the opportunity to respond to your concerns.We understand your frustration because American Laser Skincare went out of business and youare not able to pursue obtaining services; however, we are only able to help you with yourAmerican Laser Skincare credit card account.We resolved the dispute in accordance with the dispute provisions of the credit card agreement,which are also outlined in the Billing Rights Summary contained in the monthly billingstatements. Specifically, we refer you to the following section:What To Do I f You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Carnenity Capital Bank,PO Box 182620, Columbus, Ohia 43218-2620. In your letter, give us the followinginformatian:Account information: Your name and account numberDoliar amount: The dollar amount of the suspected errorDescription ofProblem: If you think there is an erroron your bill: describe whatyou believe is wrong and why you believe it is a mistakeYou must contact us within 60 days after the error appeared on your statement.You must notify us of any potential errors in writing. You may call us, but if you do weare not required to investigate any potential errors and you may have to pay the amountin question.While we investigate whether or not there has been an error, the following are true:a We cannot try to collect the amount in question, or report you as delinquent onthat amount.L The charge in question may remain on your statement, and we may continue tocharge you interest on that amount. But, if we deterrntne that we made a mistake,you will not have to pay the amount in question or any interest or other feesrelated to that amount.While you do not have to pay the amaunt in question. you are responsible for theremainder of the balance.We can apply any unpaid amount against your credit limit.Your Riahts lf Yau Are Dissatisfied Wifh Your Credif Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with yourcredit card, and you have tried in good faith to correct the problem with the merchant,you may have the right not te pay the remaining amount due on the purchase. To usethis right, all of the fallowing must be true:1. The purchase must have been made in your home state or within 100 miles of yourcurrent mailing address, and the purchase price must have been more than $50.00.(Note: Neither of these is necessary if your purchase was based on anadvertisement we mailed to you, or if we awn the company that sald you the goodsor services.)2. You must have used your credit card for the purchase. Purchases made with cashadvances from an ATM or with a check that accesses your credit card account danot qualify.3. You must not yet have fully paid for the purchase.What this means for you is, if the dispute was submitted more than 60 days afler the f~rsbt illingstatement on which the disputed charge appeared and you have not yet fully paid for thepurchase, the maximum amount eligible for a credit is the balance on the account at the time ofthe dispute. When we received your dispute, there was a balance of $700.19, which was theamount credited to your account on February 10,2015.We apologize for any inconvenience thts matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. Regards, [redacted]
Never provided my date of birth, I except that the account has been closed and remove from my credit .
Here is my proof
! Way too much hassle to prove I made a payment back in September! I had to use a stamp and find a fax machine. I am out time and money for no reason!
Regards, [redacted]
Comenity Bank has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the roomplace® credit card. We are here to answer your questions and assist with your concerns. We understand that you are requesting a refund of $100.00 due to the delay in receiving a credit from The Roomplace in the amount of $59.27 to your personal credit card. We would like to apologize for any inconvenience this situation may have caused you. Please be advised that Comenity Bank and The Roomplace are two separate entities. The Bank issues and is responsible for addressing questions related to the roomplace® credit card account. The Roomplace is responsible for handling matters related to sales, cancellations, refunds, merchandise processing, returns, shipping, and transactions made with other credit cards. For compensation regarding charges/credits applied to another credit card, other than the roomplace® credit card, please contact The Roomplace directly at ###-###-####, as Comenity Bank is unable to make adjustments to charges/credits applied to other credit cards. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely,
I am rejecting this response due to this being the fault of Commenity Bank I they allowed the accounts to be opened and used under my name but closed them after use but still want me to pay balances on all accounts. I had a family death is why I did not mail in the forms in enough time I was told 10 days now it's I had 45 days. Every person gives me a different story except that nothing can be done. All I want is my accounts reinstated or another opened with my original balances and limits or the information removed from my credit. Thank you
Regards, Lashya Westbrook