Dear[redacted]We received the inquiry
that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues Ann Taylor/LOFT,
credit card accounts, and we are here to help answer account-related
questions. Your inquiry was forwarded...
to
my attention, and I appreciate the opportunity to address your concerns.We understand from your correspondence
that the Ann Taylor/LOFT store in [redacted] is claiming payment was not
received for two months. However, you
state that payments have been made every month in cash at the store. You request that all late payment fees be waived and that we remove
all late payment information from your credit report. Please note, we have reviewed the above-noted
credit card account, and we are pleased to share our findings below. Our records indicate that the payment due
date on your Ann Taylor/LOFT account occurs on the 5th of each
month. When a payment is received after
the due date, but before the close of the billing cycle, it will be applied to
the current cycle. Furthermore, when the
minimum required payments are not received by the due date, the account will be
assessed a late fee, as explained in the
Credit Card Agreement (CCA). Our records indicate the Ann Taylor/LOFT
account was opened on March 27, 2014. The last purchase of $62.47 was made on August 8, 2015. The last payment, in the amount of $100.00,
was received on November 13, 2015. The account billed on
September 9, 2015, with a balance of $1,082.65 and a minimum payment of $105.00,
due by October 5, 2015. A payment
of $100.00 was received on September 12, 2015, and October 9, 2015. Because the full minimum payment of $105.00
was received after the due date, a late fee was assessed to the account. The account billed on
October 10, 2015, with a balance of $938.87 and a minimum payment of $47.00 due
by November 5, 2015. As no payment was
received, a late fee was assessed to the account. Although we found no billing errors on the
part of Comenity Bank, in the interest of customer service, on November 29,
2015, a late fee credit for $35.00 was issued to the account.As of the date of this correspondence, the
account balance is $858.47.Enclosed please find a copy of the monthly
billing statements, which show the account activity.Please be assured that Comenity Bank has not
reported negative payment information to the credit-reporting agencies,
regarding the Ann Taylor/LOFT account.We
hope this information is helpful. If you have any further questions or
concerns regarding the account, please contact me directly at ###-###-####,
ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Tionna M[redacted]
Dear 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]
My payment was scheduled the 1st of the month, but you didn't take it out until the 2nd, in order to charge me a late fee. I know this because you have done this to me in the past. It is a scam, and most people just pay it and you get extra money. But seeing as you've done it to me before, I know the scam. I am not paying for your mistake and I am not letting this go because I take fraudulent activity on me, my accounts and my credit VERY seriously. All because you wanted to scam me out of any extra $25 you are ruining my credit. I will not pay for your mistake.
Regards,
[redacted]Well unfortunately I wouldn't have that information as I scheduled it online. (Conveniently for them) the only proof I can give you is how diligent I am with my bills, and money, and my credit rating. I frequently schedule payments ahead of time. If I had known they would do this to me again, I would definitely have kept all correspondence like I am this time.They always frequently say that payments don't post until the next day, but if it is scheduled the due date, then no fees will be assessed...well in this case they still assessed those illegal fees.Also, unfortunately, they don't give me access to certain parts of my account where I may be able to find said information.So I do not accept their conclusion as I have been a victim of this before and they know exactly how to manipulate for it to go their way.On another note, I am not asking for much; I am not trying to get out of paying a bill, I am just trying to get their fraudulent and unethical charges against me taken off and my account back to zero.It was scheduled through their website. It was debited from my bank account, but they don't provide info on the when it was scheduled, only the day it was actually taken out of my account, which is actually days after Comenity applied the payment.So like I said, conveniently they do not provide me with proof so that I have nothing to back my case up, conveniently.Again, this is an easy resolve, as the dispute in question is only late fees.
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Pier 1 imports® credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention,...
and I appreciate the opportunity to respond to your concerns. We understand from your complaint you were charged twice in February for $43.00. You contacted Pier 1 imports customer service and the credit card area, and you were supposed to be refunded the extra charge. You state you were never contacted that you were refunded, and that you still owed $18.00. You are requesting that all fees be credited back to your account. We apologize for any inconvenience this matter may have caused you. After a review of your account, our records indicate that your account was registered on our online Account Center on February 5, 2016, using [redacted]. Additionally, you chose paperless statements, meaning you will receive your statements online versus postal mail. When enrolled in paperless statements, we will send you a monthly Statement-Ready Email (SRE), alerting you your statement is available to be retrieved. SRE’s have been sent to your email address and the Bank has no record of any of the SRE’s being returned as undeliverable. Your monthly billing statements are your notification of account activity. Statements will advise that a payment is due and also advises you if your account is past due and when the last payment was received, as well as reflecting any charges or credits to the account. On April 1, 2016, your account was credited $43.00 for the duplicate charge. On April 8, 2016, a statement was generated reflecting the credit and indicated a balance of $20.00 with a minimum payment of $20.00 due by May 4, 2016. As no payment was received, a late fee and finance charge were assessed to your account, in accordance with the Credit Card Agreement. On June 10, 2016, all fees were credited to your account. In addition, we have removed the remaining $18.00 from your account. With these adjustments the balance on your account is zero. Please be assured that notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment information that was reported for the Pier 1 imports® credit card account. Please allow the credit-reporting agencies 45 days to update their records. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
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]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
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]
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 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]
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]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced complaint. Comenity Bank issues many credit card accounts. We are here to answer your questions and assist with your concerns. We understand that you have received contact...
on the phone number ###-###-####, for a customer named [redacted]. When being contacted, you advised the representatives that you do not know [redacted], and requested that your number not be contacted. You have continued to receive calls from the Bank requesting to speak to [redacted]. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Please be advised that we have updated our records as of April 22, 2017, so that you will not be contacted in reference to [redacted]. 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]
Dear Ms. [redacted]:We received your complaint, addressed to the
Revdex.com, regarding the account referenced above. Comenity Bank issues Pottery Barn credit card
accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,
and I...
appreciate the opportunity to respond to your concerns.We understand your concerns regarding the purchase
of $1,807.12 that was placed on July 12, 2015, that you never received and you
stated that you were advised that credit would be issued for the merchandise,
and we apologize for any inconvenience this matter may have caused you. We have contacted Pottery Barn on your behalf
regarding your purchase for $1,807.12. Please be advised that credit totaling $1,925.12 was issued to your
account on November 20, 2015. In
addition, the previously assessed late fee and finance charges have been
credited in the amount of $156.34. With
these adjustments you have a credit balance in the amount of $156.45. A refund check will be issued and should be
received via separate mailing within fourteen days.We hope this information is helpful. Should you have any other questions or
concerns regarding this account, please feel free to contact me at
###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Ashley H[redacted]
Dear Mrs. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank previously issued Lerner Mail Order credit card accounts andcurrently issues Roaman’s® credit card accounts, and we are here to assist you with all...
accountrelatedquestions or concerns. I appreciate the opportunity to respond to your concerns.We understand from your complaint that you applied for a home loan and noticed Comenity Bankreported the Lerner Mail Order and Roaman’s® past due credit cards to your Experian creditreport. Because the two accounts were reporting, you have been denied your home equity loan.You are asking for documentation that will show the accounts are not new accounts, that anyoutstanding balance is not from recent activity, and that the accounts were filed under bankruptcy.After researching the accounts, we found the credit-reporting data was obsolete. Therefore,notification was sent to the national credit-reporting agencies with instructions to delete the abovereferencedaccounts, in their entirety, from your credit report. Please be assured, the accountsreferenced above are no longer reporting to the credit bureaus.I hope you find this information to be helpful. Should you have any further questions or concerns,please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
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]
Dear[redacted]We received the inquiry
that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues Ann Taylor/LOFT,
credit card accounts, and we are here to help answer account-related
questions. Your inquiry was forwarded...
to
my attention, and I appreciate the opportunity to address your concerns.We understand from your correspondence
that the Ann Taylor/LOFT store in [redacted] is claiming payment was not
received for two months. However, you
state that payments have been made every month in cash at the store. You request that all late payment fees be waived and that we remove
all late payment information from your credit report. Please note, we have reviewed the above-noted
credit card account, and we are pleased to share our findings below. Our records indicate that the payment due
date on your Ann Taylor/LOFT account occurs on the 5th of each
month. When a payment is received after
the due date, but before the close of the billing cycle, it will be applied to
the current cycle. Furthermore, when the
minimum required payments are not received by the due date, the account will be
assessed a late fee, as explained in the
Credit Card Agreement (CCA). Our records indicate the Ann Taylor/LOFT
account was opened on March 27, 2014. The last purchase of $62.47 was made on August 8, 2015. The last payment, in the amount of $100.00,
was received on November 13, 2015. The account billed on
September 9, 2015, with a balance of $1,082.65 and a minimum payment of $105.00,
due by October 5, 2015. A payment
of $100.00 was received on September 12, 2015, and October 9, 2015. Because the full minimum payment of $105.00
was received after the due date, a late fee was assessed to the account. The account billed on
October 10, 2015, with a balance of $938.87 and a minimum payment of $47.00 due
by November 5, 2015. As no payment was
received, a late fee was assessed to the account. Although we found no billing errors on the
part of Comenity Bank, in the interest of customer service, on November 29,
2015, a late fee credit for $35.00 was issued to the account.As of the date of this correspondence, the
account balance is $858.47.Enclosed please find a copy of the monthly
billing statements, which show the account activity.Please be assured that Comenity Bank has not
reported negative payment information to the credit-reporting agencies,
regarding the Ann Taylor/LOFT account.We
hope this information is helpful. If you have any further questions or
concerns regarding the account, please contact me directly at ###-###-####,
ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Tionna M[redacted]
Dear 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]
My payment was scheduled the 1st of the month, but you didn't take it out until the 2nd, in order to charge me a late fee. I know this because you have done this to me in the past. It is a scam, and most people just pay it and you get extra money. But seeing as you've done it to me before, I know the scam. I am not paying for your mistake and I am not letting this go because I take fraudulent activity on me, my accounts and my credit VERY seriously. All because you wanted to scam me out of any extra $25 you are ruining my credit. I will not pay for your mistake.
Regards,
[redacted]Well unfortunately I wouldn't have that information as I scheduled it online. (Conveniently for them) the only proof I can give you is how diligent I am with my bills, and money, and my credit rating. I frequently schedule payments ahead of time. If I had known they would do this to me again, I would definitely have kept all correspondence like I am this time.They always frequently say that payments don't post until the next day, but if it is scheduled the due date, then no fees will be assessed...well in this case they still assessed those illegal fees.Also, unfortunately, they don't give me access to certain parts of my account where I may be able to find said information.So I do not accept their conclusion as I have been a victim of this before and they know exactly how to manipulate for it to go their way.On another note, I am not asking for much; I am not trying to get out of paying a bill, I am just trying to get their fraudulent and unethical charges against me taken off and my account back to zero.It was scheduled through their website. It was debited from my bank account, but they don't provide info on the when it was scheduled, only the day it was actually taken out of my account, which is actually days after Comenity applied the payment.So like I said, conveniently they do not provide me with proof so that I have nothing to back my case up, conveniently.Again, this is an easy resolve, as the dispute in question is only late fees.
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Consumer provided copy of account statement indicating a -0- balance.
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Pier 1 imports® credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention,...
and I appreciate the opportunity to respond to your concerns. We understand from your complaint you were charged twice in February for $43.00. You contacted Pier 1 imports customer service and the credit card area, and you were supposed to be refunded the extra charge. You state you were never contacted that you were refunded, and that you still owed $18.00. You are requesting that all fees be credited back to your account. We apologize for any inconvenience this matter may have caused you. After a review of your account, our records indicate that your account was registered on our online Account Center on February 5, 2016, using [redacted]. Additionally, you chose paperless statements, meaning you will receive your statements online versus postal mail. When enrolled in paperless statements, we will send you a monthly Statement-Ready Email (SRE), alerting you your statement is available to be retrieved. SRE’s have been sent to your email address and the Bank has no record of any of the SRE’s being returned as undeliverable. Your monthly billing statements are your notification of account activity. Statements will advise that a payment is due and also advises you if your account is past due and when the last payment was received, as well as reflecting any charges or credits to the account. On April 1, 2016, your account was credited $43.00 for the duplicate charge. On April 8, 2016, a statement was generated reflecting the credit and indicated a balance of $20.00 with a minimum payment of $20.00 due by May 4, 2016. As no payment was received, a late fee and finance charge were assessed to your account, in accordance with the Credit Card Agreement. On June 10, 2016, all fees were credited to your account. In addition, we have removed the remaining $18.00 from your account. With these adjustments the balance on your account is zero. Please be assured that notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment information that was reported for the Pier 1 imports® credit card account. Please allow the credit-reporting agencies 45 days to update their records. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
Responses.
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]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
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]
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 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]
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]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced complaint. Comenity Bank issues many credit card accounts. We are here to answer your questions and assist with your concerns. We understand that you have received contact...
on the phone number ###-###-####, for a customer named [redacted]. When being contacted, you advised the representatives that you do not know [redacted], and requested that your number not be contacted. You have continued to receive calls from the Bank requesting to speak to [redacted]. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Please be advised that we have updated our records as of April 22, 2017, so that you will not be contacted in reference to [redacted]. 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]
Dear Ms. [redacted]:We received your complaint, addressed to the
Revdex.com, regarding the account referenced above. Comenity Bank issues Pottery Barn credit card
accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,
and I...
appreciate the opportunity to respond to your concerns.We understand your concerns regarding the purchase
of $1,807.12 that was placed on July 12, 2015, that you never received and you
stated that you were advised that credit would be issued for the merchandise,
and we apologize for any inconvenience this matter may have caused you. We have contacted Pottery Barn on your behalf
regarding your purchase for $1,807.12. Please be advised that credit totaling $1,925.12 was issued to your
account on November 20, 2015. In
addition, the previously assessed late fee and finance charges have been
credited in the amount of $156.34. With
these adjustments you have a credit balance in the amount of $156.45. A refund check will be issued and should be
received via separate mailing within fourteen days.We hope this information is helpful. Should you have any other questions or
concerns regarding this account, please feel free to contact me at
###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Ashley H[redacted]
Dear Mrs. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank previously issued Lerner Mail Order credit card accounts andcurrently issues Roaman’s® credit card accounts, and we are here to assist you with all...
accountrelatedquestions or concerns. I appreciate the opportunity to respond to your concerns.We understand from your complaint that you applied for a home loan and noticed Comenity Bankreported the Lerner Mail Order and Roaman’s® past due credit cards to your Experian creditreport. Because the two accounts were reporting, you have been denied your home equity loan.You are asking for documentation that will show the accounts are not new accounts, that anyoutstanding balance is not from recent activity, and that the accounts were filed under bankruptcy.After researching the accounts, we found the credit-reporting data was obsolete. Therefore,notification was sent to the national credit-reporting agencies with instructions to delete the abovereferencedaccounts, in their entirety, from your credit report. Please be assured, the accountsreferenced above are no longer reporting to the credit bureaus.I hope you find this information to be helpful. Should you have any further questions or concerns,please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
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]