We received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues LOVE LOFT credit card accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to address your concerns. We understand your concerns as explained in your correspondence. You had financial hardships and contacted the bank, as you made your payment late and we refused to remove the fee. You are requesting to have the late fee credited, the balance reflect zero, and your credit report corrected. Our records indicate the LOVE LOFT credit card account was opened on February 2, 2012. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The account billed on September 17, 2016, with a balance of $54.52, and a minimum payment of $27.00, due by October 13, 2016. As no payment was received by the due date, a late fee and finance charge were assessed to the account, in accordance with the CCA. On October 14, 2016, a payment for $37.52 was applied to the account. In the interest of customer service, we have issued a credit of $27.00, for the late fee that was previously assessed to the account. Per your request, the LOVE LOFT account was closed on October 14, 2016. Although you requested your account closed, we hope that you will continue to shop with LOFT. Please be assured, no negative payment information was reported to the national credit-reporting agencies, regarding the October 2016 payment. We hope this information is helpful. Should you have any questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Tionna M[redacted]Consumer Relations Specialist CC: Revdex.com
Dear Sir/Madam,I am writing this in response to the letter provided by Comenity Bank following my compliant about their bank processes. 1. I had no information or knowledge of Comenity Bank when Westgate pressed me to sign a contract with them. Westgate associates lied to me that the credit card they were offering on their property was managed by Westgate resort exclusively. Please see the file for Westgate contract. There is no Comenity Bank involved in the contract that I signed. I think it was after the contract with Westgate that they passed it to Comenity Bank.2. It was after I had informed them about 2 weeks after the signed contract that I am not interested in the timeshare and that they should cancel it that I started receiving bills in the following months from Comenity Bank said to be representing Westgate. Although, Westgate and Comenity Bank are different organizations, I do disagree from Comenity Bank response to my complaint that they are different entities given the fact that they have teamed up with Westgate to work on their financial transactions with their clients. As such, I see them as representing Westgate in this case as I did not sign any contract with them but my contract was with Westgate.3. They indicated in their letter that "Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees." However, I had called Westgate 2 weeks after the signed contract to cancel it and they had refused. As indicated in my previous letter, they specifically told me the only way they can cancel is for me to retain an attorney. I had no knowledge of Comenity Bank and they were not mentioned anywhere in the contract with Westgate. As such, I knew I was exclusively working with Westgate.4. The amount they indicated I owe is the accumulated monthly fee Westgate planned to have charged if I had agreed to the contract and had owned the timeshare. However, since I informed them to canceled it within the time they could have done so, sent them all the certificates of membership benefits including the tablet, $1000 card benefit, etc., and have never used the benefit of the contract, and retained an attorney to help cancel it, I do not have any obligation to pay anything to Westgate that Comenity Bank is standing in for. After several letters from my attorney and myself to Westgate, Westgate agreed to void the contract with no obligations to pay anything or refund. Please see the attached letter. I am convinced Westgate has communicated this to Comenity Bank. As such, I do not owe Westgate or Comenity Bank anything that allows then to keep such a record on my credit report. Please see the credit report file attached. The credit report has adversely affected my credit score and ability to get a loan for business over the last 3 months. I will therefore need a compensation due to Comenity Bank resolve to deny my request to zero the amount and clear my credit score that continues to affect me.5. They said they had contacted Westgate and are advised that there is no cancelation in writing, received within the allotted rescission period and that there is no record that I needed to obtain an attorney to cancel the timeshare contract. That is a lie. My phone records can prove that I placed a call Sabrina A** on 11July 2016 who played the oversight to the sales and was meant to be the primary contact person at Westgate regarding any questions or concerns we have about the sales.6. They indicated that they have verified that they are reporting the account correctly to the credit reporting agencies. However, the source of their verification is not right as I do not owe anything to Westgate and therefore do not need to have any such record against me on my credit report.7. Finally, I do see the contact information ###-###-#### in their letter to me to call for follow-up is just a scam and a general way they respond to the bureau as if they are ready to address the case but a lie. Nobody is ever available to pick the phone. I have tried the line several times, left a message over several weeks and no one picked it or called me. I also tried the customer service line on the bank website and got someone. I narrated my situation and ask to speak to Kaija M[redacted] as indicated in the letter. I got the response that they cannot do so. I asked to be forwarded to her number or provided a direct line, only to be told that that's not possible. The only thing I was told was possible was that they will write an email to her to contact me. For over weeks now, I have received no contact.I fee community Bank is making it difficult for me to close the case and move on and will still want to ask for compensation after removing the record from my credit report, for all that they have taking me through including the attorney fees.Please let me know if you need any more information.Thanks,[redacted]
Dear Ms. [redacted]We received your complaint addressed to the Revdex.com. Comenity Bank issuesNEW YORK & COMPANY credit card accounts, and we respond to account-related questions.Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to...
yourconcerns.We understand from the inquiry that your account was assessed fees that you state were to becredited. On two occasions you tried to have your account closed, as you thought the accountwas at a zero balance. We further understand that when speaking to a Bank representative theservice you received was argumentative. You would like to have the account closed, and thefees credited.We have reviewed the issues in your complaint as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer service. We never intend to treatour customers in a less-than-satisfactory manner. We are committed to providing the bestcustomer service and are disappointed when a customer feels this standard was not met.On April 22, 2015, you were contacted by the Bank in an attempt to collect on the abovereferencedaccount, which at the time was one billing cycle past due. The balance at the time ofthe call was $171.08. During the conversation you agreed to bring the account current and youmade a payment of $100.00.On September 14, 2015, you were contacted by the Bank in an attempt to collect on the abovereferenced account, which at the time was four billing cycles past due, with a balance of $225.66.During this conversation you stated that you had not received the August statement, and yourequested to have $60.00 credited to the account.You confirmed the mailing address for the account, which is the address as shown in thiscorrespondence. This address has been listed on the account since the account was opened.The representative waived the amount of $17.50 since you had not received the statement, andadvised you to check with your local postal service to verify that you were getting all of your mail.You agreed to make a payment of $186.67. At the time of this payment, the representativeadvised you that this payment would not cover the balance, you agreed and the payment wasauthorized. You were provided the confirmation number of I548 for this payment.On January 20, 2016, you were contacted by the Bank in an attempt to collect on the abovereferencedaccount. At this time the account was three billing cycles past due, with a balance of$110.69. You advised the representative that you had paid off the balance in September. Therepresentative advised that after your September payment there was a remaining balance of $22.95.You requested to settle the account for the amount of $22.95. The representative advised that to settle the account you would need to pay the amount of $68.79, and the account would be closed by the Bank. You stated that you had not received the billing statement, and requested to pay the amount of $22.95 and close the account.You were transferred to a supervisor that verified the address on the account with you. The supervisor advised that we wouldn’t be able to credit any more than $41.93, as you are responsible for the finance charges per the Credit Card Agreement (CCA). This credit would cover the late fees that were assessed on your account.You were further advised that you could make any payment amount you would like, but failure to pay the remaining balance would result in further collection efforts. You were advised that if refusal to pay continued, and the account exceeded six consecutive billing cycles past due; the account will be reported to the credit-reporting agencies as an unpaid debt.You decided to make the payment in the amount of $22.95 and to close the account. The remaining balance on the account was $89.69.On February 12, 2016, you contacted the Bank to close your account, and to request the account be credited and your balance brought to zero. In the interest of customer service, the amount of $50.90 was credited to your account. The account was closed per your request, and a confirmation letter was sent. Please be advised that this credit was issued as a one-time courtesy, and we are unwilling to remove any additional charges. This credit will appear in 1-2 billing cycles.lease understand that even though the account is closed, late fees and finance charges may still be assessed to the account, pursuant to the terms of the CCA.The due date for your NEW YORK & COMPANY account is the second of each month. As of the date of this letter, payment for the March due date has not been received. Your current balance is $64.94. This balance includes a late fee in the amount of $25.00 and a finance charge in the amount of $1.15.For your records I have included a copy of your CCA and prior billing statements.We hope you find this information helpful. Should you have any further questions, please contact me directly at ###-###-####, ext. [redacted]TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Diamond L[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
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]: Thank you for contacting Comenity Capital Bank regarding the above-referenced accounts. As the bank that issues HSN and Overstock.com credit card accounts, we are here to help with all account related concerns. Your complaint, addressed...
to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to assist you. We understand from your complaint that you have been a victim of identity theft and that multiple credit cards have been opened in your name, of which HSN was one. Shortly after receiving the HSN credit card in the mail, you began to receive monthly billing statements from the Bank with an outstanding balance of $4,000.00. We further understand that you have made multiple attempts to contact HSN and Comenity Capital Bank to rectify this matter; unfortunately, your attempts have been unsuccessful. You believe that HSN and Comenity Capital Bank should have acknowledged the security signs in place when the account was created and should have removed all charges when first contacted. Please accept our deepest apology for any inconvenience you have experienced while handling this matter. Comenity Capital Bank is committed to providing the best customer service possible, and we are extremely disappointed when a customer feels that this standard was not met. We have provided the information outlined in your complaint to our Account Protection (Fraud) team for investigation. Your claim has been assigned fraud case number [redacted], and your case investigator is Sue W[redacted]. The investigation may take up to 90 days to be completed, and you will be notified by mail of the outcome. Lastly, Comenity Capital 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 hope you find this information to be helpful. Should you have any further questions, please contact our Account Protection (Fraud) team at ###-###-#### (TDD/TTY ###-###-####) and refer to your case number [redacted]. They will be happy to assist you. Sincerely, Lauren S[redacted]
We received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues LOVE LOFT credit card accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to address your concerns. We understand your concerns as explained in your correspondence. You had financial hardships and contacted the bank, as you made your payment late and we refused to remove the fee. You are requesting to have the late fee credited, the balance reflect zero, and your credit report corrected. Our records indicate the LOVE LOFT credit card account was opened on February 2, 2012. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The account billed on September 17, 2016, with a balance of $54.52, and a minimum payment of $27.00, due by October 13, 2016. As no payment was received by the due date, a late fee and finance charge were assessed to the account, in accordance with the CCA. On October 14, 2016, a payment for $37.52 was applied to the account. In the interest of customer service, we have issued a credit of $27.00, for the late fee that was previously assessed to the account. Per your request, the LOVE LOFT account was closed on October 14, 2016. Although you requested your account closed, we hope that you will continue to shop with LOFT. Please be assured, no negative payment information was reported to the national credit-reporting agencies, regarding the October 2016 payment. We hope this information is helpful. Should you have any questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Tionna M[redacted]Consumer Relations Specialist CC: Revdex.com
Dear Sir/Madam,I am writing this in response to the letter provided by Comenity Bank following my compliant about their bank processes. 1. I had no information or knowledge of Comenity Bank when Westgate pressed me to sign a contract with them. Westgate associates lied to me that the credit card they were offering on their property was managed by Westgate resort exclusively. Please see the file for Westgate contract. There is no Comenity Bank involved in the contract that I signed. I think it was after the contract with Westgate that they passed it to Comenity Bank.2. It was after I had informed them about 2 weeks after the signed contract that I am not interested in the timeshare and that they should cancel it that I started receiving bills in the following months from Comenity Bank said to be representing Westgate. Although, Westgate and Comenity Bank are different organizations, I do disagree from Comenity Bank response to my complaint that they are different entities given the fact that they have teamed up with Westgate to work on their financial transactions with their clients. As such, I see them as representing Westgate in this case as I did not sign any contract with them but my contract was with Westgate.3. They indicated in their letter that "Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees." However, I had called Westgate 2 weeks after the signed contract to cancel it and they had refused. As indicated in my previous letter, they specifically told me the only way they can cancel is for me to retain an attorney. I had no knowledge of Comenity Bank and they were not mentioned anywhere in the contract with Westgate. As such, I knew I was exclusively working with Westgate.4. The amount they indicated I owe is the accumulated monthly fee Westgate planned to have charged if I had agreed to the contract and had owned the timeshare. However, since I informed them to canceled it within the time they could have done so, sent them all the certificates of membership benefits including the tablet, $1000 card benefit, etc., and have never used the benefit of the contract, and retained an attorney to help cancel it, I do not have any obligation to pay anything to Westgate that Comenity Bank is standing in for. After several letters from my attorney and myself to Westgate, Westgate agreed to void the contract with no obligations to pay anything or refund. Please see the attached letter. I am convinced Westgate has communicated this to Comenity Bank. As such, I do not owe Westgate or Comenity Bank anything that allows then to keep such a record on my credit report. Please see the credit report file attached. The credit report has adversely affected my credit score and ability to get a loan for business over the last 3 months. I will therefore need a compensation due to Comenity Bank resolve to deny my request to zero the amount and clear my credit score that continues to affect me.5. They said they had contacted Westgate and are advised that there is no cancelation in writing, received within the allotted rescission period and that there is no record that I needed to obtain an attorney to cancel the timeshare contract. That is a lie. My phone records can prove that I placed a call Sabrina A** on 11July 2016 who played the oversight to the sales and was meant to be the primary contact person at Westgate regarding any questions or concerns we have about the sales.6. They indicated that they have verified that they are reporting the account correctly to the credit reporting agencies. However, the source of their verification is not right as I do not owe anything to Westgate and therefore do not need to have any such record against me on my credit report.7. Finally, I do see the contact information ###-###-#### in their letter to me to call for follow-up is just a scam and a general way they respond to the bureau as if they are ready to address the case but a lie. Nobody is ever available to pick the phone. I have tried the line several times, left a message over several weeks and no one picked it or called me. I also tried the customer service line on the bank website and got someone. I narrated my situation and ask to speak to Kaija M[redacted] as indicated in the letter. I got the response that they cannot do so. I asked to be forwarded to her number or provided a direct line, only to be told that that's not possible. The only thing I was told was possible was that they will write an email to her to contact me. For over weeks now, I have received no contact.I fee community Bank is making it difficult for me to close the case and move on and will still want to ask for compensation after removing the record from my credit report, for all that they have taking me through including the attorney fees.Please let me know if you need any more information.Thanks,[redacted]
Dear Ms. [redacted]We received your complaint addressed to the Revdex.com. Comenity Bank issuesNEW YORK & COMPANY credit card accounts, and we respond to account-related questions.Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to...
yourconcerns.We understand from the inquiry that your account was assessed fees that you state were to becredited. On two occasions you tried to have your account closed, as you thought the accountwas at a zero balance. We further understand that when speaking to a Bank representative theservice you received was argumentative. You would like to have the account closed, and thefees credited.We have reviewed the issues in your complaint as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer service. We never intend to treatour customers in a less-than-satisfactory manner. We are committed to providing the bestcustomer service and are disappointed when a customer feels this standard was not met.On April 22, 2015, you were contacted by the Bank in an attempt to collect on the abovereferencedaccount, which at the time was one billing cycle past due. The balance at the time ofthe call was $171.08. During the conversation you agreed to bring the account current and youmade a payment of $100.00.On September 14, 2015, you were contacted by the Bank in an attempt to collect on the abovereferenced account, which at the time was four billing cycles past due, with a balance of $225.66.During this conversation you stated that you had not received the August statement, and yourequested to have $60.00 credited to the account.You confirmed the mailing address for the account, which is the address as shown in thiscorrespondence. This address has been listed on the account since the account was opened.The representative waived the amount of $17.50 since you had not received the statement, andadvised you to check with your local postal service to verify that you were getting all of your mail.You agreed to make a payment of $186.67. At the time of this payment, the representativeadvised you that this payment would not cover the balance, you agreed and the payment wasauthorized. You were provided the confirmation number of I548 for this payment.On January 20, 2016, you were contacted by the Bank in an attempt to collect on the abovereferencedaccount. At this time the account was three billing cycles past due, with a balance of$110.69. You advised the representative that you had paid off the balance in September. Therepresentative advised that after your September payment there was a remaining balance of $22.95.You requested to settle the account for the amount of $22.95. The representative advised that to settle the account you would need to pay the amount of $68.79, and the account would be closed by the Bank. You stated that you had not received the billing statement, and requested to pay the amount of $22.95 and close the account.You were transferred to a supervisor that verified the address on the account with you. The supervisor advised that we wouldn’t be able to credit any more than $41.93, as you are responsible for the finance charges per the Credit Card Agreement (CCA). This credit would cover the late fees that were assessed on your account.You were further advised that you could make any payment amount you would like, but failure to pay the remaining balance would result in further collection efforts. You were advised that if refusal to pay continued, and the account exceeded six consecutive billing cycles past due; the account will be reported to the credit-reporting agencies as an unpaid debt.You decided to make the payment in the amount of $22.95 and to close the account. The remaining balance on the account was $89.69.On February 12, 2016, you contacted the Bank to close your account, and to request the account be credited and your balance brought to zero. In the interest of customer service, the amount of $50.90 was credited to your account. The account was closed per your request, and a confirmation letter was sent. Please be advised that this credit was issued as a one-time courtesy, and we are unwilling to remove any additional charges. This credit will appear in 1-2 billing cycles.lease understand that even though the account is closed, late fees and finance charges may still be assessed to the account, pursuant to the terms of the CCA.The due date for your NEW YORK & COMPANY account is the second of each month. As of the date of this letter, payment for the March due date has not been received. Your current balance is $64.94. This balance includes a late fee in the amount of $25.00 and a finance charge in the amount of $1.15.For your records I have included a copy of your CCA and prior billing statements.We hope you find this information helpful. Should you have any further questions, please contact me directly at ###-###-####, ext. [redacted]TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Diamond L[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
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]: Thank you for contacting Comenity Capital Bank regarding the above-referenced accounts. As the bank that issues HSN and Overstock.com credit card accounts, we are here to help with all account related concerns. Your complaint, addressed...
to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to assist you. We understand from your complaint that you have been a victim of identity theft and that multiple credit cards have been opened in your name, of which HSN was one. Shortly after receiving the HSN credit card in the mail, you began to receive monthly billing statements from the Bank with an outstanding balance of $4,000.00. We further understand that you have made multiple attempts to contact HSN and Comenity Capital Bank to rectify this matter; unfortunately, your attempts have been unsuccessful. You believe that HSN and Comenity Capital Bank should have acknowledged the security signs in place when the account was created and should have removed all charges when first contacted. Please accept our deepest apology for any inconvenience you have experienced while handling this matter. Comenity Capital Bank is committed to providing the best customer service possible, and we are extremely disappointed when a customer feels that this standard was not met. We have provided the information outlined in your complaint to our Account Protection (Fraud) team for investigation. Your claim has been assigned fraud case number [redacted], and your case investigator is Sue W[redacted]. The investigation may take up to 90 days to be completed, and you will be notified by mail of the outcome. Lastly, Comenity Capital 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 hope you find this information to be helpful. Should you have any further questions, please contact our Account Protection (Fraud) team at ###-###-#### (TDD/TTY ###-###-####) and refer to your case number [redacted]. They will be happy to assist you. Sincerely, Lauren S[redacted]