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-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 credit card account referenced above. Comenity Bank issues the roomplace® 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 that you made a purchase on May 20, 2012, under the deferred interest promotional plan. You state you were advised that as long as you made your minimum payment for the term of the agreement, you would not incur any interest charges as long as the total amount was paid off. You state that you made slightly larger payments each month; however, you were still charged $1,680.66 in finance charges. You state that when you contacted the Bank regarding the finance charges you were advised that you needed to contact the Bank within 30 days, and you were offered a credit towards the finance charges. You are requesting full credit for the previously assessed interest charges. We apologize for any inconvenience this matter may have caused you. Our records indicate that your purchase of $4,000.00 was charged to your account on May 20, 2012, and was placed on a 48 month deferred interest payment required plan, due to expire on August 3, 2016. On June 20, 2014, a purchase of $3,300.00 was charged to your account and was placed on 36 month deferred interest payment required plan due to expire on August 15, 2017. On December 25, 2015, a purchase of $3,900.00 was charged to your account and was placed on 48 month deferred interest payment required plan due to expire on March 9, 2020. Please be advised that payments are distributed as follows: unpaid fees, scheduled payment of lowest to highest Annual Percentage Rate (APR) plans, scheduled payment of revolving balance, scheduled payment of accrued interest plans, scheduled payment of waived interest plans, balance of accrued interest plans within the last two billing cycles of the promotional plan end date, balance of revolving with descending APR, balance of low APR plans, balance of accrued interest plans, and balance of waived interest plans. Information regarding payment distribution can be located in Section C of your Credit Card Agreement. All promotional plans require a minimum payment based on the purchase amount and terms. Once the required minimum payments are applied to the promotional plans the excess payment would be applied to the plans as explained above. After review of your account, there was not enough excess in payments to be applied to your 48 month deferred interest payment required plan, due to expire on August 3, 2016; therefore, when your promotional period ended you were assessed $1,680.66 in finance charges and the remaining balance from the promotional plan of $168.00 was transferred to revolving. Although the Bank has found no banking errors, in the interest of customer service, and as a one-time courtesy, we have issued a credit in the amount of $1,718.46 to remove the previously assessed finance charges. Please be advised that should your two remaining promotional plans expire and not be paid in full the Bank would be unwilling to remove any additional interest charges in the future. We hope you find this information helpful. If you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
We are in receipt of your complaint regarding the above-referenced account. Comenity Bank issues wayfair® credit card accounts, and we respond to all account-related questions. Your complaint, addressed to the Revdex.com. was forwarded to my attention, and I appreciate the...
opportunity to respond to your concerns. We understand from your complaint, you signed up for a zero interest promotional plan, as well as online payments. You advise, you missed your wayfair® credit card payment in October 2016. Once you logged in to schedule your monthly payment, you realized your wayfair$ account had been charged interest. You state, you contacted Comenity Bank to discuss, and resolve this matter; however, you were advised the 90 day timeframe to dispute you claim, had expired.You are requesting Comenity Bank refund you for all the months you did not miss payments, yet were charged fees. You would like the Bank to partner with wayfair to ensure miscommunications between our systems doesn't happen to anyone else. We have reviewed the issues in your complaint as well as the applicable telephone conversations. We apologize that your account was not placed on the zero percent 12 month promotional plan in question. We have contacted wayfair® on your behalf, and they advised that at the point of sale, ~the account holder has to elect at checkout to get financing".Although, this was not a Bank error, In the interest of customer service, as of November 22, 2016, previously assessed bank fees in the amount of $306.40, assessed as a result of this matter have been credited back to your wayfair account. Due to the account having a $66.44 balance, which was deducted from the $306,40 credited, we have issued a refund in the amount of $239.96. You should receive the refund in a separate mailing within 7·10, business days. I hope you find this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDOmY ###-###-####). I would be happy to assist you.
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]
I do not accept the response by the business with satisfaction that they have fully reconciled the entire amount of money that I am out. I understand that my order placed 6/27/16 was done so under a promotional no interest plan but the credit card used in addition to the The Room Place Credit card account has a 23.54% APR. On the amount recently corrected and credited on the credit card for $59.27, the interest would be approximately $75-100.00 over the 5 month time frame taken to reconcile my account correctly.I will consider this matter fully resolved once I have been compensated for all debt incurred from this accounting debacle by The Room Place's accounting department. My request to achieve this would be one of three options to compensate me for the interest assessed to my credit card on file. A $100 credit submitted to either my The Room Place Credit card account or to my credit card directly, which is on file. Or a check, issued to both myself and Bank of America, which is the creditor that my credit card is issued, in the amount of $100 so that I can submit the issued check to them myself to reconcile interest assessed to my account because of the handling and negligence of your accounting department.I think this is a fair request since I patiently awaited a resolution on this matter for 5 months, with no resolve until tired of waiting for return calls that never came and account corrections that got worse each month. I look forward to your response and moving pass this issue as I have previously. I'm disappointed that I had to go this route to get this corrected but I'm also glad to be done with it complately.
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Eddie Bauer credit card. We are here to answer yourquestions and assist with your concerns.In your correspondence, you state you reviewed your credit bureau report, as well as the...
authorizebuyer’s report, and the Eddie Bauer credit card was not reporting. You contacted the Bank, viathe Secure Message Center, and were advised that accounts are always reported. Youresponded that the information could not be true, and then received a response regarding adispute, which did not make sense. You would like this credit card to report on the credit bureaureports of both yourself and your authorized buyer.We have reviewed the concerns in your correspondence, as well as the Secure Messageconversations. We apologize if you felt you did not receive the best customer service. We neverintend to treat our customers in a less-than-satisfactory manner. We are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.Please be advised that Comenity Bank reports the same information to each of the national creditreportingagencies. We have verified we are reporting the account correctly to the credit reportingagencies, as we are required by law. However, to address your concern, we notified the creditreporting agencies to update your record. This should be reflected on your credit file within thenext 45 business days.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the EXPRESS NEXT credit card accounts. We are here to answer your questions and assist with your concerns.Your complaint states that you applied for an EXPRESS NEXT credit card account and...
placed your purchase on your account; however, you never received a credit card or the statement. Therefore, you contacted our Customer Care department to confirm when your payment was due. You further state that you were advised you could make the payment by phone on the same day your payment was due. Therefore, on April 3, 2017, you made your payment by phone through our automatic system. You thought your account was paid in full; however, you received a statement showing a balance of $59.27, which was for late fees and interest. You contacted our Customer Care department and spoke to a representative who you state was rude and was only willing to waive one late fee. You are requesting that the second late fee be waived. I understand your concerns, and apologize for any confusion or frustration this may have caused you.Bank records indicate on February 11, 2017, the EXPRESS NEXT credit card account was opened and on the same day, a purchase of $227.31 posted to your account. Please be advised that your credit card was ordered on February 12, 2017, and should have been received within 7-10 days. Furthermore, a statement was issued to you on March 8, 2017, showing a balance of $227.31 with a minimum payment of $27.00 due by April 3, 2017. Our records indicate that you scheduled a payment of $227.31 through our Interactive Voice Response system on April 3, 2017, at 11:30 p.m. Eastern Time (ET). As a result of the payment being made after the 8:00 p.m. ET cut off, a late fee was assessed to your account.On April 7,2017, a statement was issued to you showing a balance of $31.27 with a payment of $27.00 due by May 3, 2017. A payment was not received and as a result, a late fee was assessed to your account.On May 8, 2017, a statement was issued to you showing a balance of $59.27 with a minimum payment of $32.00 due by June 3, 2017. Please be advised that on June 1, 2017, the Bank issued a total credit of $32.70, for a late fee and the finance charges that were previously assessed toyour account. In addition, on June 2, 2017, the Bank received a payment of $26.57. This payment brought your balance to zero.Please be advised that your credit card and billing statements were issued to you and the Bank did not receive them back as undeliverable; therefore, we were unaware that you did not receive them. If you still have not received a credit card, please contact our Customer Care team at ###-###-####.Bank records further indicate that your account has already received a courtesy late fee credit, and is not eligible for an additional late fee credit. Comenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid.To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m. (ET) will be credited to your account on the same day, unless you select a date in the future. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on a future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing up to 10 days for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Please review the payments section on the back of your statement for additional information.Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####.Sincerely,[redacted]Compliance Dept. – Consumer Responses
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the Victoria’s Secret Angel credit cards. We are here to answer your questions and assist with your concerns. Your complaint states that...
you opened an account and charged $40.31. You state the store associate advised you the credit card would be received in 5-7 days, but it never came in the mail. You called and were told you would get one. Furthermore, you state that you were called about the past due debt and you don’t understand how you can make payment to an account with no account information, or an account that you don’t have access to. You are indicating that you would like to pay the $40.31 but no interest, and you want to terminate the card. I have thoroughly reviewed your account and I apologize for the frustration and inconvenience you have experienced as a result of this situation. Bank records indicate that during the application process on July 25, 2016, we obtained your address through your Equifax credit report. Therefore, the address in our records was listed as shown on your credit report; [redacted]. The Welcome Kit and the monthly billing statements were sent to this address; however, we did not get any returned mail from the post office. As payment has not been received, the account accrued late fees and finance charges. Please be assured that all fees have been credited to your account, and you will see these adjustments on the next billing statement. Additionally, we removed the delinquencies from your account and these changes will update with the credit bureaus within 45 days. Unfortunately, we have no record that you have spoken to the Bank’s Customer Care team and requested a replacement card. We did find that you spoke to the Bank’s Payment Solutions team on October 31, 2016, in which you advised you were calling the Revdex.com and you hung up on the Bank’s associate. Enclosed are the billing statements for your records. As requested, the account was closed on January 12, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y [redacted]
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Old Pueblo Traders credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you were offered a credit card and...
called the number provided in the catalogue. You state that after talking with an order associate, you were forced to place an order, and you were not ready to order. The associate described merchandise to you but you continued to tell her that you were not ready to order anything, which included a bag. The items arrived and you immediately returned them. You request the Bank cancel out the complaint.We apologize for the frustration and inconvenience you may have experienced.Our records indicate that the Old Pueblo Traders account was opened on February 8, 2017, in the name of [redacted]. This account was opened when you contacted Old Pueblo Traders to place an order by telephone. You were selected for a prescreened credit account offer from Comenity Bank based on the information in your credit report, which satisfied our criteria for creditworthiness. Old Pueblo Traders transmitted your name and address to us as part of the prescreen process. You can choose to stop receiving prescreened offers of credit from this and other companies by calling ###-###-#### or write [redacted]. Should you later decide you wish to receive prescreened offers, you may remove the prohibition on use of your credit report information by notifying the above-noted agencies.Please note Comenity Bank and Old Pueblo Traders are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Old Pueblo Traders is responsible for handling matters related to sales, merchandise processing, returns and shipping.A purchase of $1.99, for the 30-day trial period of VIP Plus was placed to the account on February 9, 2017, and a purchase of $79.47 for the OPT Shawl Collar Pant Suit and OPT Bendover Paradise Handbag was placed to the account on February 10, 2017.A billing statement was mailed to you on February 12, 2017, reflecting a balance of $81.46, and a minimum of $27.00 due on March 10, 2017. On March 6, 2017, Old Pueblo Traders issued credit to your account totaling $65.64; less the shipping and handling charges of $12.99. No payment was received, and the account was assessed a late fee and a finance charge.A billing statement was mailed to you on March 15, 2017, reflecting a balance of $44.82, and aminimum of $20.82 due on April 10, 2017. No payment was received, and the account wasassessed a late fee and a finance charge.A billing statement was mailed to you on April 14, 2017, reflecting a balance of $67.64, whichconsisted of the previous balance, additional bank fees, a charge of $14.97 for the annual VIPPlus package, and a credit of this charge. A minimum of $25.82 was due on May 10, 2017.However, we reached out to Old Pueblo Traders, on your behalf, to review the telephone call forthe VIP Plus enrollment and the order; which you say you were forced into making. Theyconfirmed that you did request to open the credit card account, placed an order, and charged itto the card. In addition, you agreed by consenting with “yes” to enroll in the VIP Plus program. Atthe end of the call, you were provided the order total, including the shipping charge and you saidok.As a courtesy, they issued credits to your account totaling $7.00, to remove the VIP Plusintroductory charge and the shipping and handling charges.Additionally, as a courtesy, the Bank issued credits totaling $45.71 for the associated late feesand finance charges, and the remaining $7.01 charge.To avoid any additional bank fees from being assessed to the account, I removed the minimumpayment due for May 10, 2017. Please allow one (1) to two (2) billing periods for all of the creditsto be applied to the account.As requested, the account was closed on March 23, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely, Shawnda Y[redacted]Compliance Dept. – Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assistwith your concerns. We understand the concerns as explained in your correspondence. The Bank sold your...
account to anotherlender, after you settled the account balance. You contacted the Bank and were told that the account shouldnot have been sold, and it would take up to 30-days to resolve. You are requesting to have the accountremoved from your credit report, an apology for what occurred, and the issue resolved. Our records indicate the account was opened on September 13, 2012. The last purchase of $150.00 wasmade on April 3, 2016. As no payments were received, on October 2, 2016, the account was permanentlyclosed and written-off, due to non-payment, with a balance of $432.28.I reviewed the telephone call from October 19, 2016; the Bank’s representative offered you a 60%settlement of the balance. You agreed, and a payment by phone was scheduled; the $260.00 payment wasapplied to your account on October 19, 2016. The Bank then sold your account in error, on October 24, 2016; due to the error, we have sent notificationto [redacted] advising them not to collect, and that Comenity Bank is taking the debt back. In addition,the Bank previously sent notification to the credit bureaus to delete the account from your credit report. On behalf of the Bank, please accept my apology for the manner in which your account was handled andthat your issue was not resolved when you contacted the Bank. Please be assured matters of this type arereviewed with management so additional training or coaching can be provided to our associates.We sincerely apologize for any confusion or frustration this situation may have caused you. I hope you havefound this information to be helpful. If you have any questions or concerns, please feel free to contact meat ###-###-####.Sincerely,Compliance Dept. – Consumer Response
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 above-referenced account. Comenity Capital Bank issues J.Jill credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you made a purchase online with your J.Jill credit card in June 2015 and you have never received an invoice or billing statement for this purchase. You also state that you received several phone calls from the Bank, which prompted you to reach out to the Bank to verify your mailing address and was advised that the address on the account was correct. You state that you were advised that one late fee of $30.00 would be removed and, as of this date, you have not seen the credit applied to your account. You are requesting that all fees are credited back to your account due to non-receipt of statements. I am happy to share my findings with you. After a thorough review of the account, our records indicate that you were enrolled in electronic statements via the Bank’s Account Center. The statements were being sent to your email [redacted] which was supplied to the bank at the time of registration. Additionally, a credit of $33.21 was applied to your account on August 26, 2015. Although we found no billing errors on the Bank’s part, in the interest of customer service, an additional credit of $26.21 was applied to the account for the additional fees assessed to the account. After this additional credit the account balance will be zero. We value you as a customer and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S[redacted]
Dear [redacted]We received your additional complaint regarding the above-referenced account. ComenityCapital Bank issues Ideal Image® VIP credit accounts, and we are here to help with accountrelatedquestions. Your complaint, addressed to the Revdex.com, was forwarded tomy attention, and I appreciate the opportunity to respond to your concerns.We understand from the complaint that you have not yet received your refund in the amount of$90.00. You state that you were told on April 4, 2016, that you would receive the refundelectronically within five to seven business days.We have reviewed your account, and our records indicate that the Bank released the electronicrefund in the amount of $90.00 to be deposited on April 17, 2016.We apologize for the delay in the refund being deposited into your personal bank account.Please be advised that I have attempted to contact you by telephone to confirm you have receivedthe funds; however, my attempts have been unsuccessful. Additionally, the telephone numberwe have on file, is for a charter school. If you would like further contact, please provide a directnumber you can be reached at or you may reach me directly at the number listed below.We hope this information is helpful. Should you have any additional questions or concerns, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you.Sincerely,Diamond L[redacted]
Dear [redacted]:We have received your complaint addressed to the Revdex.com, regarding theabove-noted account. Cornenity Bank issues dressbarn accounts and we respond to allaccount-related questions. Your complaint was forwarded to my attention, and I appreciate thisopportunity to...
assist you.I understand the concerns as explained in your correspondence, and apologize for anyfrustration that this issue may have caused.We recently received a similar complaint sent to the Federal Deposit Insurance Corporation(FDIC). Please find the enclosed response addressing the concerns mentioned in bothcomplaints.Should you have any questions or concerns regarding this account, please feel free to contactme at ###-###-####, ext. [redacted] (TDD.TTY ############). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted]:We have received your complaint regarding a Comenity Bank credit card account. Comenity Bank issues multiple credit card accounts, and we are here to help answer your 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 that you recently checked your credit report and found that Comenity Bank has several credit inquiries listed. You are stating that the inquiries are unauthorized and are requesting that the Bank remove this information from your credit bureau report. Please be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate an account. To locate an account, we would need additional information. Please provide the following:? Complete Account Number? Any Previous Names? Any Previous Addresses? Home Telephone Number? Social security numberThis information can be mailed to the address listed above or faxed to my attention at ###-###-####.I hope you find this information to be helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 12186559
I am rejecting this response because:I consider it paid in full. I sentthem the 500.00 I actually owed on the bill, wrote paid in full on the check, I owe them no more and want no more to do with them. They cashed it
I consider it done. That is the solution I'm looking for.
Regards,
Rita Paul
Thank you for your complaint, addressed to
the Revdex.com, regarding the above-noted account. Comenity Bank issues Meijer® credit card
accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention,
and I appreciate this opportunity...
to serve you. We understand that you have been waiting for
three $10.00 certificates that you believe you earned under our new rewards
program. You state that for 60 days you
have been told we would take care of it right away. You also indicate that a recent promotion of
doubling your points from November 24-26 did not match your credit card
statement. You want the Bank to issue the rewards promised, and to resolve
issues in this new rewards program. A recent review indicates that there was a
system issue concerning the issuance of your paper rewards. We
apologize for any inconvenience this may have caused you. A policy adjustment of $50.00 has been added
to your account as an apology for any inconvenience this matter may have caused
you. We’ve corrected the system issue;
therefore, you or any other customer, should not be further inconvenienced. Bank records indicate you earned three $10.00
certificates before opting into digital rewards. Two $10.00 certificates were earned on
October 14, 2016, and one $10.00 certificate on October 16, 2016. Here is a summary of the certificates:Date Type of Points Number of Points10/14/2016 $10 Certificate
Issued 75010/14/2016 $10 Certificate
Issued 75010/16/2016 $10 Certificate
Issued 750The new rewards program went into effect on
September 13, 2016. Every dollar you
spend with your Meijer credit card counts towards your next reward. Once you spend $750.00, you will earn a $10.00
reward certificate. Our records show
that you opted into digital rewards on October 28, 2016. It can take up to 48 hours for your digital
rewards to be available. You should have received the three paper
certificates in the mail by now. The
fourth reward was issued digitally. In
the spirit of customer service, I added 2,250 points to your account. These additional rewards certificates should
be available in your digital wallet through the mPerks app. Regarding the “Double your Dollars”
promotion, our records show that you did receive the promotional points as
outlined below: Date Type of Points Number of Points
Points Expiration Date 11/24/2016 Base Points 76 11/26/2017 11/24/2016 Bonus Points 76 11/26/2017 11/24/2016 Base Points 31 11/26/2017 11/24/2016 Bonus Points 31 11/26/2017 11/25/2016 Base Points 81 11/27/2017 11/25/2016 Bonus Points 81 11/27/2017 11/25/2016 Base Points 48 11/27/2017 11/25/2016 Bonus Points 48 11/27/2017We hope you find this information to be
helpful. If you have any additional
questions or concerns, please contact me directly at ###-###-####, (TDD/TTY
###-###-####).Sincerely,
This is a perplexing response from Comenity. This obviously was not a bank error but was an error by Victoria secret. Also prior to February I had already contacted Victoria's secret many times over the phone to inquire why the item was not delivered after I submitted the order . I also requested to cancel the order if they are not able to ship them out and they confirmed that they would re-ship it. But I didn't receive anything until Feb when I came back from vacation so I contacted them again. Therefore, I am not responsible for this late payment, this was a mistake by Victoria Secret. I had over $350,000 in my bank account at the time, it is preposterous to assume willfully neglect making a $26 payment and destroy my own credit. I have been a Victoria Secret customer for over 10 years and have spend well over $20,000 at their stores. If this matter is not resolved, I'll be sending all my receipts of past purchases to Victoria Secret's CEO Sharen T[redacted]'s office and will explain to her why due to Commenity's mismanagement of this issue, I will never be shopping at any of her stores again.
Regards,
[redacted]
We appreciate you taking the time to let us know you have concerns. We will begin researching immediately and will be in contact with you directly via phone or mail
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-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 credit card account referenced above. Comenity Bank issues the roomplace® 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 that you made a purchase on May 20, 2012, under the deferred interest promotional plan. You state you were advised that as long as you made your minimum payment for the term of the agreement, you would not incur any interest charges as long as the total amount was paid off. You state that you made slightly larger payments each month; however, you were still charged $1,680.66 in finance charges. You state that when you contacted the Bank regarding the finance charges you were advised that you needed to contact the Bank within 30 days, and you were offered a credit towards the finance charges. You are requesting full credit for the previously assessed interest charges. We apologize for any inconvenience this matter may have caused you. Our records indicate that your purchase of $4,000.00 was charged to your account on May 20, 2012, and was placed on a 48 month deferred interest payment required plan, due to expire on August 3, 2016. On June 20, 2014, a purchase of $3,300.00 was charged to your account and was placed on 36 month deferred interest payment required plan due to expire on August 15, 2017. On December 25, 2015, a purchase of $3,900.00 was charged to your account and was placed on 48 month deferred interest payment required plan due to expire on March 9, 2020. Please be advised that payments are distributed as follows: unpaid fees, scheduled payment of lowest to highest Annual Percentage Rate (APR) plans, scheduled payment of revolving balance, scheduled payment of accrued interest plans, scheduled payment of waived interest plans, balance of accrued interest plans within the last two billing cycles of the promotional plan end date, balance of revolving with descending APR, balance of low APR plans, balance of accrued interest plans, and balance of waived interest plans. Information regarding payment distribution can be located in Section C of your Credit Card Agreement. All promotional plans require a minimum payment based on the purchase amount and terms. Once the required minimum payments are applied to the promotional plans the excess payment would be applied to the plans as explained above. After review of your account, there was not enough excess in payments to be applied to your 48 month deferred interest payment required plan, due to expire on August 3, 2016; therefore, when your promotional period ended you were assessed $1,680.66 in finance charges and the remaining balance from the promotional plan of $168.00 was transferred to revolving. Although the Bank has found no banking errors, in the interest of customer service, and as a one-time courtesy, we have issued a credit in the amount of $1,718.46 to remove the previously assessed finance charges. Please be advised that should your two remaining promotional plans expire and not be paid in full the Bank would be unwilling to remove any additional interest charges in the future. We hope you find this information helpful. If you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
We are in receipt of your complaint regarding the above-referenced account. Comenity Bank issues wayfair® credit card accounts, and we respond to all account-related questions. Your complaint, addressed to the Revdex.com. was forwarded to my attention, and I appreciate the...
opportunity to respond to your concerns. We understand from your complaint, you signed up for a zero interest promotional plan, as well as online payments. You advise, you missed your wayfair® credit card payment in October 2016. Once you logged in to schedule your monthly payment, you realized your wayfair$ account had been charged interest. You state, you contacted Comenity Bank to discuss, and resolve this matter; however, you were advised the 90 day timeframe to dispute you claim, had expired.You are requesting Comenity Bank refund you for all the months you did not miss payments, yet were charged fees. You would like the Bank to partner with wayfair to ensure miscommunications between our systems doesn't happen to anyone else. We have reviewed the issues in your complaint as well as the applicable telephone conversations. We apologize that your account was not placed on the zero percent 12 month promotional plan in question. We have contacted wayfair® on your behalf, and they advised that at the point of sale, ~the account holder has to elect at checkout to get financing".Although, this was not a Bank error, In the interest of customer service, as of November 22, 2016, previously assessed bank fees in the amount of $306.40, assessed as a result of this matter have been credited back to your wayfair account. Due to the account having a $66.44 balance, which was deducted from the $306,40 credited, we have issued a refund in the amount of $239.96. You should receive the refund in a separate mailing within 7·10, business days. I hope you find this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDOmY ###-###-####). I would be happy to assist you.
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]
I do not accept the response by the business with satisfaction that they have fully reconciled the entire amount of money that I am out. I understand that my order placed 6/27/16 was done so under a promotional no interest plan but the credit card used in addition to the The Room Place Credit card account has a 23.54% APR. On the amount recently corrected and credited on the credit card for $59.27, the interest would be approximately $75-100.00 over the 5 month time frame taken to reconcile my account correctly.I will consider this matter fully resolved once I have been compensated for all debt incurred from this accounting debacle by The Room Place's accounting department. My request to achieve this would be one of three options to compensate me for the interest assessed to my credit card on file. A $100 credit submitted to either my The Room Place Credit card account or to my credit card directly, which is on file. Or a check, issued to both myself and Bank of America, which is the creditor that my credit card is issued, in the amount of $100 so that I can submit the issued check to them myself to reconcile interest assessed to my account because of the handling and negligence of your accounting department.I think this is a fair request since I patiently awaited a resolution on this matter for 5 months, with no resolve until tired of waiting for return calls that never came and account corrections that got worse each month. I look forward to your response and moving pass this issue as I have previously. I'm disappointed that I had to go this route to get this corrected but I'm also glad to be done with it complately.
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Eddie Bauer credit card. We are here to answer yourquestions and assist with your concerns.In your correspondence, you state you reviewed your credit bureau report, as well as the...
authorizebuyer’s report, and the Eddie Bauer credit card was not reporting. You contacted the Bank, viathe Secure Message Center, and were advised that accounts are always reported. Youresponded that the information could not be true, and then received a response regarding adispute, which did not make sense. You would like this credit card to report on the credit bureaureports of both yourself and your authorized buyer.We have reviewed the concerns in your correspondence, as well as the Secure Messageconversations. We apologize if you felt you did not receive the best customer service. We neverintend to treat our customers in a less-than-satisfactory manner. We are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.Please be advised that Comenity Bank reports the same information to each of the national creditreportingagencies. We have verified we are reporting the account correctly to the credit reportingagencies, as we are required by law. However, to address your concern, we notified the creditreporting agencies to update your record. This should be reflected on your credit file within thenext 45 business days.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the EXPRESS NEXT credit card accounts. We are here to answer your questions and assist with your concerns.Your complaint states that you applied for an EXPRESS NEXT credit card account and...
placed your purchase on your account; however, you never received a credit card or the statement. Therefore, you contacted our Customer Care department to confirm when your payment was due. You further state that you were advised you could make the payment by phone on the same day your payment was due. Therefore, on April 3, 2017, you made your payment by phone through our automatic system. You thought your account was paid in full; however, you received a statement showing a balance of $59.27, which was for late fees and interest. You contacted our Customer Care department and spoke to a representative who you state was rude and was only willing to waive one late fee. You are requesting that the second late fee be waived. I understand your concerns, and apologize for any confusion or frustration this may have caused you.Bank records indicate on February 11, 2017, the EXPRESS NEXT credit card account was opened and on the same day, a purchase of $227.31 posted to your account. Please be advised that your credit card was ordered on February 12, 2017, and should have been received within 7-10 days. Furthermore, a statement was issued to you on March 8, 2017, showing a balance of $227.31 with a minimum payment of $27.00 due by April 3, 2017. Our records indicate that you scheduled a payment of $227.31 through our Interactive Voice Response system on April 3, 2017, at 11:30 p.m. Eastern Time (ET). As a result of the payment being made after the 8:00 p.m. ET cut off, a late fee was assessed to your account.On April 7,2017, a statement was issued to you showing a balance of $31.27 with a payment of $27.00 due by May 3, 2017. A payment was not received and as a result, a late fee was assessed to your account.On May 8, 2017, a statement was issued to you showing a balance of $59.27 with a minimum payment of $32.00 due by June 3, 2017. Please be advised that on June 1, 2017, the Bank issued a total credit of $32.70, for a late fee and the finance charges that were previously assessed toyour account. In addition, on June 2, 2017, the Bank received a payment of $26.57. This payment brought your balance to zero.Please be advised that your credit card and billing statements were issued to you and the Bank did not receive them back as undeliverable; therefore, we were unaware that you did not receive them. If you still have not received a credit card, please contact our Customer Care team at ###-###-####.Bank records further indicate that your account has already received a courtesy late fee credit, and is not eligible for an additional late fee credit. Comenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid.To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m. (ET) will be credited to your account on the same day, unless you select a date in the future. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on a future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing up to 10 days for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Please review the payments section on the back of your statement for additional information.Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####.Sincerely,[redacted]Compliance Dept. – Consumer Responses
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the Victoria’s Secret Angel credit cards. We are here to answer your questions and assist with your concerns. Your complaint states that...
you opened an account and charged $40.31. You state the store associate advised you the credit card would be received in 5-7 days, but it never came in the mail. You called and were told you would get one. Furthermore, you state that you were called about the past due debt and you don’t understand how you can make payment to an account with no account information, or an account that you don’t have access to. You are indicating that you would like to pay the $40.31 but no interest, and you want to terminate the card. I have thoroughly reviewed your account and I apologize for the frustration and inconvenience you have experienced as a result of this situation. Bank records indicate that during the application process on July 25, 2016, we obtained your address through your Equifax credit report. Therefore, the address in our records was listed as shown on your credit report; [redacted]. The Welcome Kit and the monthly billing statements were sent to this address; however, we did not get any returned mail from the post office. As payment has not been received, the account accrued late fees and finance charges. Please be assured that all fees have been credited to your account, and you will see these adjustments on the next billing statement. Additionally, we removed the delinquencies from your account and these changes will update with the credit bureaus within 45 days. Unfortunately, we have no record that you have spoken to the Bank’s Customer Care team and requested a replacement card. We did find that you spoke to the Bank’s Payment Solutions team on October 31, 2016, in which you advised you were calling the Revdex.com and you hung up on the Bank’s associate. Enclosed are the billing statements for your records. As requested, the account was closed on January 12, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y [redacted]
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Old Pueblo Traders credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you were offered a credit card and...
called the number provided in the catalogue. You state that after talking with an order associate, you were forced to place an order, and you were not ready to order. The associate described merchandise to you but you continued to tell her that you were not ready to order anything, which included a bag. The items arrived and you immediately returned them. You request the Bank cancel out the complaint.We apologize for the frustration and inconvenience you may have experienced.Our records indicate that the Old Pueblo Traders account was opened on February 8, 2017, in the name of [redacted]. This account was opened when you contacted Old Pueblo Traders to place an order by telephone. You were selected for a prescreened credit account offer from Comenity Bank based on the information in your credit report, which satisfied our criteria for creditworthiness. Old Pueblo Traders transmitted your name and address to us as part of the prescreen process. You can choose to stop receiving prescreened offers of credit from this and other companies by calling ###-###-#### or write [redacted]. Should you later decide you wish to receive prescreened offers, you may remove the prohibition on use of your credit report information by notifying the above-noted agencies.Please note Comenity Bank and Old Pueblo Traders are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Old Pueblo Traders is responsible for handling matters related to sales, merchandise processing, returns and shipping.A purchase of $1.99, for the 30-day trial period of VIP Plus was placed to the account on February 9, 2017, and a purchase of $79.47 for the OPT Shawl Collar Pant Suit and OPT Bendover Paradise Handbag was placed to the account on February 10, 2017.A billing statement was mailed to you on February 12, 2017, reflecting a balance of $81.46, and a minimum of $27.00 due on March 10, 2017. On March 6, 2017, Old Pueblo Traders issued credit to your account totaling $65.64; less the shipping and handling charges of $12.99. No payment was received, and the account was assessed a late fee and a finance charge.A billing statement was mailed to you on March 15, 2017, reflecting a balance of $44.82, and aminimum of $20.82 due on April 10, 2017. No payment was received, and the account wasassessed a late fee and a finance charge.A billing statement was mailed to you on April 14, 2017, reflecting a balance of $67.64, whichconsisted of the previous balance, additional bank fees, a charge of $14.97 for the annual VIPPlus package, and a credit of this charge. A minimum of $25.82 was due on May 10, 2017.However, we reached out to Old Pueblo Traders, on your behalf, to review the telephone call forthe VIP Plus enrollment and the order; which you say you were forced into making. Theyconfirmed that you did request to open the credit card account, placed an order, and charged itto the card. In addition, you agreed by consenting with “yes” to enroll in the VIP Plus program. Atthe end of the call, you were provided the order total, including the shipping charge and you saidok.As a courtesy, they issued credits to your account totaling $7.00, to remove the VIP Plusintroductory charge and the shipping and handling charges.Additionally, as a courtesy, the Bank issued credits totaling $45.71 for the associated late feesand finance charges, and the remaining $7.01 charge.To avoid any additional bank fees from being assessed to the account, I removed the minimumpayment due for May 10, 2017. Please allow one (1) to two (2) billing periods for all of the creditsto be applied to the account.As requested, the account was closed on March 23, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely, Shawnda Y[redacted]Compliance Dept. – Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assistwith your concerns. We understand the concerns as explained in your correspondence. The Bank sold your...
account to anotherlender, after you settled the account balance. You contacted the Bank and were told that the account shouldnot have been sold, and it would take up to 30-days to resolve. You are requesting to have the accountremoved from your credit report, an apology for what occurred, and the issue resolved. Our records indicate the account was opened on September 13, 2012. The last purchase of $150.00 wasmade on April 3, 2016. As no payments were received, on October 2, 2016, the account was permanentlyclosed and written-off, due to non-payment, with a balance of $432.28.I reviewed the telephone call from October 19, 2016; the Bank’s representative offered you a 60%settlement of the balance. You agreed, and a payment by phone was scheduled; the $260.00 payment wasapplied to your account on October 19, 2016. The Bank then sold your account in error, on October 24, 2016; due to the error, we have sent notificationto [redacted] advising them not to collect, and that Comenity Bank is taking the debt back. In addition,the Bank previously sent notification to the credit bureaus to delete the account from your credit report. On behalf of the Bank, please accept my apology for the manner in which your account was handled andthat your issue was not resolved when you contacted the Bank. Please be assured matters of this type arereviewed with management so additional training or coaching can be provided to our associates.We sincerely apologize for any confusion or frustration this situation may have caused you. I hope you havefound this information to be helpful. If you have any questions or concerns, please feel free to contact meat ###-###-####.Sincerely,Compliance Dept. – Consumer Response
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 above-referenced account. Comenity Capital Bank issues J.Jill credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you made a purchase online with your J.Jill credit card in June 2015 and you have never received an invoice or billing statement for this purchase. You also state that you received several phone calls from the Bank, which prompted you to reach out to the Bank to verify your mailing address and was advised that the address on the account was correct. You state that you were advised that one late fee of $30.00 would be removed and, as of this date, you have not seen the credit applied to your account. You are requesting that all fees are credited back to your account due to non-receipt of statements. I am happy to share my findings with you. After a thorough review of the account, our records indicate that you were enrolled in electronic statements via the Bank’s Account Center. The statements were being sent to your email [redacted] which was supplied to the bank at the time of registration. Additionally, a credit of $33.21 was applied to your account on August 26, 2015. Although we found no billing errors on the Bank’s part, in the interest of customer service, an additional credit of $26.21 was applied to the account for the additional fees assessed to the account. After this additional credit the account balance will be zero. We value you as a customer and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S[redacted]
Dear [redacted]We received your additional complaint regarding the above-referenced account. ComenityCapital Bank issues Ideal Image® VIP credit accounts, and we are here to help with accountrelatedquestions. Your complaint, addressed to the Revdex.com, was forwarded tomy attention, and I appreciate the opportunity to respond to your concerns.We understand from the complaint that you have not yet received your refund in the amount of$90.00. You state that you were told on April 4, 2016, that you would receive the refundelectronically within five to seven business days.We have reviewed your account, and our records indicate that the Bank released the electronicrefund in the amount of $90.00 to be deposited on April 17, 2016.We apologize for the delay in the refund being deposited into your personal bank account.Please be advised that I have attempted to contact you by telephone to confirm you have receivedthe funds; however, my attempts have been unsuccessful. Additionally, the telephone numberwe have on file, is for a charter school. If you would like further contact, please provide a directnumber you can be reached at or you may reach me directly at the number listed below.We hope this information is helpful. Should you have any additional questions or concerns, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you.Sincerely,Diamond L[redacted]
Dear [redacted]:We have received your complaint addressed to the Revdex.com, regarding theabove-noted account. Cornenity Bank issues dressbarn accounts and we respond to allaccount-related questions. Your complaint was forwarded to my attention, and I appreciate thisopportunity to...
assist you.I understand the concerns as explained in your correspondence, and apologize for anyfrustration that this issue may have caused.We recently received a similar complaint sent to the Federal Deposit Insurance Corporation(FDIC). Please find the enclosed response addressing the concerns mentioned in bothcomplaints.Should you have any questions or concerns regarding this account, please feel free to contactme at ###-###-####, ext. [redacted] (TDD.TTY ############). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted]:We have received your complaint regarding a Comenity Bank credit card account. Comenity Bank issues multiple credit card accounts, and we are here to help answer your 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 that you recently checked your credit report and found that Comenity Bank has several credit inquiries listed. You are stating that the inquiries are unauthorized and are requesting that the Bank remove this information from your credit bureau report. Please be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate an account. To locate an account, we would need additional information. Please provide the following:? Complete Account Number? Any Previous Names? Any Previous Addresses? Home Telephone Number? Social security numberThis information can be mailed to the address listed above or faxed to my attention at ###-###-####.I hope you find this information to be helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 12186559
I am rejecting this response because:I consider it paid in full. I sentthem the 500.00 I actually owed on the bill, wrote paid in full on the check, I owe them no more and want no more to do with them. They cashed it
I consider it done. That is the solution I'm looking for.
Regards,
Rita Paul
Thank you for your complaint, addressed to
the Revdex.com, regarding the above-noted account. Comenity Bank issues Meijer® credit card
accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention,
and I appreciate this opportunity...
to serve you. We understand that you have been waiting for
three $10.00 certificates that you believe you earned under our new rewards
program. You state that for 60 days you
have been told we would take care of it right away. You also indicate that a recent promotion of
doubling your points from November 24-26 did not match your credit card
statement. You want the Bank to issue the rewards promised, and to resolve
issues in this new rewards program. A recent review indicates that there was a
system issue concerning the issuance of your paper rewards. We
apologize for any inconvenience this may have caused you. A policy adjustment of $50.00 has been added
to your account as an apology for any inconvenience this matter may have caused
you. We’ve corrected the system issue;
therefore, you or any other customer, should not be further inconvenienced. Bank records indicate you earned three $10.00
certificates before opting into digital rewards. Two $10.00 certificates were earned on
October 14, 2016, and one $10.00 certificate on October 16, 2016. Here is a summary of the certificates:Date Type of Points Number of Points10/14/2016 $10 Certificate
Issued 75010/14/2016 $10 Certificate
Issued 75010/16/2016 $10 Certificate
Issued 750The new rewards program went into effect on
September 13, 2016. Every dollar you
spend with your Meijer credit card counts towards your next reward. Once you spend $750.00, you will earn a $10.00
reward certificate. Our records show
that you opted into digital rewards on October 28, 2016. It can take up to 48 hours for your digital
rewards to be available. You should have received the three paper
certificates in the mail by now. The
fourth reward was issued digitally. In
the spirit of customer service, I added 2,250 points to your account. These additional rewards certificates should
be available in your digital wallet through the mPerks app. Regarding the “Double your Dollars”
promotion, our records show that you did receive the promotional points as
outlined below: Date Type of Points Number of Points
Points Expiration Date 11/24/2016 Base Points 76 11/26/2017 11/24/2016 Bonus Points 76 11/26/2017 11/24/2016 Base Points 31 11/26/2017 11/24/2016 Bonus Points 31 11/26/2017 11/25/2016 Base Points 81 11/27/2017 11/25/2016 Bonus Points 81 11/27/2017 11/25/2016 Base Points 48 11/27/2017 11/25/2016 Bonus Points 48 11/27/2017We hope you find this information to be
helpful. If you have any additional
questions or concerns, please contact me directly at ###-###-####, (TDD/TTY
###-###-####).Sincerely,
This is a perplexing response from Comenity. This obviously was not a bank error but was an error by Victoria secret. Also prior to February I had already contacted Victoria's secret many times over the phone to inquire why the item was not delivered after I submitted the order . I also requested to cancel the order if they are not able to ship them out and they confirmed that they would re-ship it. But I didn't receive anything until Feb when I came back from vacation so I contacted them again. Therefore, I am not responsible for this late payment, this was a mistake by Victoria Secret. I had over $350,000 in my bank account at the time, it is preposterous to assume willfully neglect making a $26 payment and destroy my own credit. I have been a Victoria Secret customer for over 10 years and have spend well over $20,000 at their stores. If this matter is not resolved, I'll be sending all my receipts of past purchases to Victoria Secret's CEO Sharen T[redacted]'s office and will explain to her why due to Commenity's mismanagement of this issue, I will never be shopping at any of her stores again.
Regards,
[redacted]
We appreciate you taking the time to let us know you have concerns. We will begin researching immediately and will be in contact with you directly via phone or mail