[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,
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. 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]
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]
[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,
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. 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]
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]