Dear Revdex.com,Comenity Bank received the complaint for [redacted] In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extensionPlease let me know if this extension is not approvedThank you,
Dear Mrs [redacted] We received your additional complaint, addressed to the Revdex.com Comenity Bank issues the Reeds® Jewelerscredit card accounts, and we respond to account-related questions Your correspondence was forwarded to myattention, and I appreciate the opportunity to respond to your concernsWe understand your concerns as explained in the complaint Please be advised that we have sent aresponse to Mr [redacted] directly regarding the account on July 15, Comenity Bank considers this matter closedWehope this information is helpful Should you have any other questions or concerns regarding this account, please haveMr [redacted] contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####) I will be happy to assistSincerely,Ashley H [redacted]
In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extensionPlease let me know if this extension is not approvedThank you,
Dear [redacted] Comenity Capital Bank has received your correspondence regarding the above-referencedaccountComenity Capital Bank issues the Ideal Image VIP credit cardWe are here to answeryour questions and assist with your concerns.Your correspondence indicates your concern about the finance charges that were assessed toyour account in connection to the purchase you made on a deferred-interest promotional plan.We have reviewed the concerns noted in your correspondence and we would like to provide youwith the following information.The January 14, 2015, purchase for $4,was placed on a 24-month deferred interestpayment required plan with an expiration date of January 15, Under the terms of thispromotional plan, interest on the purchase is deferred until the plan expiresThis means thatinterest on this purchase was accruing monthly from the original purchase date but was not beingapplied to your accountIn order to keep the accrued finance charges from being applied to youraccount, the entire promotional purchase amount needed to be paid in full by the promotionalplan’s expiration dateThis promotional purchase was not paid in full by the expiration datementioned above; therefore, the accrued interest was applied to your accountThe details of yourpromotional plan, as well as the expiration date, were present on each billing statement.While we understand your concern, after our review of your account, we have determined thebalance is accurate and no adjustments are neededIf you have any questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Shelley A***
Dear Mr [redacted] :We received your complaint, addressed to the Revdex.com, regarding the abovereferencedaccountComenity Capital Bank issues GameStop® credit card accounts, and weare here to answer all of your account-related questionsYour complaint was forwarded to myattention for review, and I appreciate this opportunity to assist you.We understand from your inquiry that your account was closed on December 1, 2016, and youare requesting the account to be reopened.Per our records, on December 2, 2016, we mailed a letter to you advising why the account wasclosed.Bank records indicate the account was closed by the Bank due to excessive inquiriesThe CreditCard Agreement gives us both the right to investigate customer’s credit records and to closeaccounts at any time for any reasonWe found a number of credit inquiries were submitted foryou after an account with the Bank was opened, which put your account outside of our creditcriteria.Please be advised the account cannot be reopened due to this reason; however, in the future youmay re-apply.I hope the information I provided is helpfulShould you have any further questions or concernsabout the account, please contact me at ###-###-####I would be happy to assist you
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the Wayfair Card credit cardWe are here to answer your questions and assist with your concerns We understand from the complaint that you made a purchase online and the advertisement advised that if you purchased now, you would receive months of 0% financingYou state that once the order was received, the statements started to show interest being assessedYou also state that when you contacted Wayfair, you were advised that the order was processed three days after the promotion expiredYou then called back and spoke with a supervisor who had advised that the issue would be corrected and you would receive an update; however, you received an email stating that you could not be provided with the promotionYou are requesting to have the promotion applied and the amount of interest returned to youWe apologize for the inconvenience you have experienced regarding this matter The Bank has contacted Wayfair on your behalf, and we have been advised that the option to receive special financing was not selected at the time of checkout; therefore, your purchase did not qualify for the month deferred interest, payment required planWe were also advised that, in order to assist you with your complaint, Wayfair processed a credit to your account of $on March 28, Also, as a courtesy, the Bank processed a credit for the previously assessed finance charge in the amount of $ Thank you for your payment of $3,that was received on April 4, The balance on your Wayfair Card account is now zero I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the VICTORIA’S SECRET credit card We are here to answer your questions and assist with your concerns We understand from your additional complaint that as of December 15, 2016, the online system indicates that the account is past due Additionally, you received a letter stating that the account is suspended for three months, you request this be removed I am happy to share my findings Please be advised the systemic letter dated November 20, 2016, was sent after the second payment was returned within days This letter states that the account is suspended for further purchases, until payments are brought current and maintained with three consecutive on-time payments On December 1, 2016, as a courtesy when the return fee was removed, so was this status You may use the account for purchases at this time Our records indicate that your payment due date is the 16th of each month The account was showing past due on the Account Center website due to the payment made on November 16, 2016, was returned on November 18, There was no additional payment made for this billing cycle to rectify this matter Additionally, the account did receive a payment on December 16, 2016, online of $and your retail payment of $ I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,
Dear [redacted] We received your complaint regarding the above-referenced credit card accountComenityBank issues multiple credit card accounts, and we are here to help answer your account-relatedquestionsYour complaint, addressed to the Revdex.com, was forwarded to myattention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that someone is using your personal information, withoutyour permission, and is opening accounts in your nameYou are requesting that the Bankinvestigate this matter and remove the fraudulent accounts from your nameWe apologize forand inconvenience this may have caused you.To better assist you, we need additional information to locate the account(s) in questionPleaseprovide the following:- Complete Account Number- Any Previous Names of Accountholder- 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 helpfulShould you have any additional questions orconcerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***
In regarding the Comenity Bank ID # [redacted] - CrCard in ***Please be inform that the company send me a Birthday card for my Birthday but I am not going to use it because I do not want to buy nothing at all from them.All what I paid is enoughIf they wants to send it to collection its fine (I paid more than I should!)Regards, [redacted]
We received your complaint regarding the above-referenced credit card accountComenity Bankissues multiple credit card accounts, and we are here to help answer account-related questions.Your complaint, addressed to the Revdex.com was forwarded to my attention, and Iappreciate the opportunity to respond to your concerns.We understand from your complaint that you have been receiving multiple calls a day for yourdaughter’s accountYou further state that you wish for the calls to stop as your daughter is ill.Please be advised that we have updated our records to ensure that you are not being called at thetelephone number ending If there is another telephone number you would like to haveupdated so that you are not contacted on that number, the information can be mailed to the addresslisted above or faxed to my attention at ###-###-####.I hope you find this information to be helpfulShould 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,
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me - pending of course the removal of all negative information from my credit report and the restoration of my credit back to its former excellent rating, as well as getting back my full credit lines, over $7000k which had been reduced by the known creditors I am aware of as a result of this discrepancy, as well as any which I may not know about yet Regards, [redacted]
Dear [redacted] We received your complaint, submitted to the Revdex.com (Revdex.com), regarding theabove-noted accountComenity Bank issues Victoria's SecreffPlNK credit cards, and we arehere to answer account-related questionsYour complaint was forwarded to my attention forreview, and I appreciate the opportunity to assist you.We understand from your complaint that after signing up for the Victoria's SecreffPink creditcard account, you never received your credit card or monthly statements as a result of anaddress errorYou are asking the Bank to remove the fees assessed to your account and toremove the negative reporting, which is affecting your credit file; you also ask that the Bank stopcalling you regarding this matter.Bank records indicate that your Victoria's SecretlPlNK credit card account was opened onOctober 21, The address listed on the credit application was [redacted] A purchase of $was charged to the account on October 21, The billing statementswere mailed to the address noted above; however, payment was not received for the November2014, December 2014, January 2015, or February payment due datesWe have norecord that the statements were returned by the post office, and our records confirm thestatements were deliveredAs a result of non-payment, the account was assessed late feesand finance charges, which is compliant with the Bank's Credit Card Agreement (CCA).On March 11, 5, your address was updated on your Victoria's Secret/ PINK account to [redacted] ***On March 18, 2015, you made a payment by phone with the Bank, in the amount of $32.56, and you were charged a $payment by phone fee.As the payment was past the payment due date of March 17, 2015, the account was assessedanother late fee and finance charge.The next billing statement was mailed to the address noted above on March 22, 2015, reflectinga balance of $Payment of $was due on April 17, As payments were notreceived for the April and May due dates, the account was assessed late fees and financecharges.You spoke to the Bank's Customer Care team on May 8, During this conversation, youadvised that you had only received three statements during the course of the account beingopened and you had not received the credit cardYou also indicated that the address wasincorrect and verified that when you opened the account your address was [redacted] During this call, as courtesy, the Bank's representative issued credits totaling$55.74, leaving a balance of $for the remainder of the bank fees and payment by phonefee.In reviewing the credit application, we found that the house number of was provided;however, the current ID or reference card you used had the previous address listed, this is whatwas entered on the application and what was submitted to the BankTherefore, the statementswere delivered to this addressEnclosed are the billing statements for your records.Please be assured that we have issued credits totaling $to your Victoria's SecretlPlNKaccount for the previously assessed feesAdditionally, we sent notification to the nationalcredit-reporting agencies with instructions to delete the negative payment history reported toyour credit filePlease allow them days to update their records.As of today, your account balance is zero and the credit limit of $has been reinstated.Also, I have issued a replacement credit card to you, which you should receive in 7-businessdays.In addition, the address listed on your account when you submitted your Revdex.com complaint was [redacted] ***We have updated your Victoria's Secret/PINKaccount to reflect the address that is listed on your Revdex.com complaintIf you should ever need toupdate your address or any account information, we encourage you to call the Bank's CustomerCare team, toll free, at ###-###-####.You are a valued customer and we hope this information is helpfulShould you have anyfurther questions or concerns, please do not hesitate to contact me at I .###-###-####, ext[redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concernsWe understand from you correspondence, submitted to the Revdex.com, that you’ve had the Victoria’s Secret Angel credit card for over ten yearsIn December the account was closed due to a bankruptcy seven years ago, without you being notified of the closureYou state that you were very upset to find out that the account was closed while trying to make a purchaseYou are requesting the account reopened as you do not want you credit run again and do not want to apply for a new accountWe are sorry for the frustration this matter has caused youPlease be assured as of June 2, 2017, the Victoria’s Secret Angel account has been reopened, per your requestI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted] *** [redacted] *** Compliance Dept– Consumer Responses
I filed a complaint with Revdex.com, 04/15, against Comenity Bank/Brylane Home regarding purchases that I did not make on my Brylane AccountAcct.# [redacted] ***Comenity Bank submitted a large package of documents to me that did not meet my request to have verification of the purchases that they claim I made and owe for the itemsNo document of their purchase claim was included.I will submit the documents Comenity Bank sent to me, if Revdex.com requires them.I would like to pursue this matter, until a resolution has been reached and cleared off of my credit report.Thank you in advance for your assistance with this matter[redacted] ***
We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accountComenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you made your payment on time; however, the account was assessed a late fee of $You are requesting to have the late fee of $credited back to your accountI am happy to share my findings with you.I attempted to contact you via the telephone number ending in on May 26, 2016, to discuss this matterUnfortunately, my attempt was unsuccessful.Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.After a thorough review of the account, our records indicate that a payment of $was received on May 5, As this payment was received after the due date of May 3, 2016, a $late fee was assessed to the accountAlthough we found no billing errors on the Bank’s part, in the interest of customer service, a credit of $has been applied to the accountAs of the date of this letter, the balance on the account is $We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused youIf you have any further questions about your account, please contact me at (800) 675-5685, ext [redacted] (TDD/TTY (800) 695-1788)I will be happy to assist you.Sincerely,Renee S*Consumer Relations SpecialistCC:Revdex.com
Dear Ms [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your questionsThe complaint was forwarded to my attention and I appreciate the opportunity to address your concerns.We understand your concerns as expressed in the complaint regarding the missing rewards, and the lack of service when contacting the BankYou have requested the Bank to immediately provide you with the reward certificates or to place a $credit to your account.Bank records indicate that you earned a $reward certificate on April 17, 2016, and you earned a $reward certificate on May 19, Reward certificates take 3-weeks to receive once earned and any replacement reward(s) take 4-weeks to receiveWe apologize that you have not received the April rewardOur investigation concludes that after contacting the Bank by email on June 5, 2016, a replacement was requestedAdditionally, the May reward should be received by the end of June.Comenity Bank is proud of the customer service that we give to our customersWe feel our associates are knowledgeable, friendly, and eager to assist our customersDue to the lack of assistance, you described in your complaint, please be assured the email messages and applicable telephone conversations were reviewedAlthough there was evidence of incorrect reward number information provided, I can assure you that the lack of help you described in the complaint did not occurIt is never our intention to cause a customer a hardship and we sincerely apologize that you were not pleased with the service you received when you contacted the Bank.As a courtesy, I issued a $credit to your account, which has been deducted from your account balance.You are a valued customer and we hope this information is helpfulIf you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit card accountsWe are here to answer your questions and assist with your concernsYour complaint states that you contacted the Bank on December 16, 2016, and informed the representative you wanted to make a payment for the minimum due on your accountYou state that the representative advised you that the minimum payment due on your account was $and you provided her with your bank account information to have the payment processedHowever, when you made your payment in January 2017, you realized that your account was assessed a late feeFurthermore, you state as a result of being told the incorrect information in December 2016, your account became delinquent for December and January You further state that you were hospitalized in the beginning of February and had set up a payment arrangementHowever, you state the way the arrangement was set up by the representative caused your account to be over days past due and a delinquency to be reported on your credit bureau reportYou are requesting that the phone call made on December 16, 2016, be reviewed, the late fees reversed, and for the delinquency from March to be removed from your reportI understand your concerns, and apologize for any confusion or frustration this may have caused youBank records indicate on October 21, 2016, a statement was issued to you showing a balance of $with a minimum payment of $due by November 16, The Bank did not receive a payment by the due date and as a result, a late fee was assessed to your accountOn November 20, 2016, a statement was issued to you showing a balance of $with a payment of $due by December 16, The Bank received a payment of $30.00; however, as a result of the payment being made for less than the required minimum payment due, a late fee was assessed to your accountOn December 21, 2016, a statement was issued to you showing a balance of $with a minimum payment of $due by January 16, The Bank received a payment of $on January 11, 2017, and a payment of $on January 13, Thank you for those paymentsOn January 21, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by February 16, The Bank did not receive a payment and as a result, a late fee was assessed to your accountYour account became one billing period past dueOn February 18, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by March 16, The Bank did not receive a payment and as a result, a late fee was assessed to your accountYour account became two billing periods past due and as a result, it was reported as days delinquent to the national credit-reporting agenciesBank records further indicate that on March 24, 2017, you were contacted by the Bank regarding the status of your accountAt that time your account received a courtesy late fee credit, and a payment of $was scheduled for April 7, Please be advised that the Bank has no record of a payment arrangement set up for you for the month of February Furthermore, the Bank reviewed all applicable telephone calls and Comenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are validWe understand your concern regarding your credit reportWe have verified we are reporting the account correctly to the credit reporting agencies as we are required by lawTo provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for youIn-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 dayCheck the back of your billing statement to see if in-store payments are available for your accountOnline: Online payments submitted through the Bank’s online Account Center before 8:p.m(ET) will be credited to your account on the same day, unless you select a date in the futureOnline payments submitted after 8:p.mET 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 statementWe recommend allowing up to days for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possiblePlease review the payments section on the back of your statement for additional informationPhone: 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:p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representativeThe above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterI hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####Sincerely, Jenny W***
.Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concernsWe understand from your correspondence that you spoke to one of our representatives who stated she would assist you with removing late fees from your accountYou explain that you scheduled a payment for November 17th, and were advised to call back after then so the representative could see what she could doHowever, when you called back, instead of removing a late fee, you were advised to schedule another paymentYou are requesting that we remove a late fee, as previously promisedWe apologize for any frustration this matter may have caused youBank records indicate your payment due date is the 12th of every monthThe Victoria’s Secret Angel account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing periodPlease keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card AgreementPlease be assured a late fee credit of $was applied to the account on November 29, Customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistanceTheir programs can provide options such as reducing the interest rate and the minimum payment requirement and could include all of your creditorsWe support and participate in the programs provided by the CCCS agenciesShould you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at *** [redacted] I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Rosa M [redacted]
Dear Revdex.com,Comenity Bank received the complaint for [redacted] In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extensionPlease let me know if this extension is not approvedThank you,
Dear Mrs [redacted] We received your additional complaint, addressed to the Revdex.com Comenity Bank issues the Reeds® Jewelerscredit card accounts, and we respond to account-related questions Your correspondence was forwarded to myattention, and I appreciate the opportunity to respond to your concernsWe understand your concerns as explained in the complaint Please be advised that we have sent aresponse to Mr [redacted] directly regarding the account on July 15, Comenity Bank considers this matter closedWehope this information is helpful Should you have any other questions or concerns regarding this account, please haveMr [redacted] contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####) I will be happy to assistSincerely,Ashley H [redacted]
In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extensionPlease let me know if this extension is not approvedThank you,
Dear [redacted] Comenity Capital Bank has received your correspondence regarding the above-referencedaccountComenity Capital Bank issues the Ideal Image VIP credit cardWe are here to answeryour questions and assist with your concerns.Your correspondence indicates your concern about the finance charges that were assessed toyour account in connection to the purchase you made on a deferred-interest promotional plan.We have reviewed the concerns noted in your correspondence and we would like to provide youwith the following information.The January 14, 2015, purchase for $4,was placed on a 24-month deferred interestpayment required plan with an expiration date of January 15, Under the terms of thispromotional plan, interest on the purchase is deferred until the plan expiresThis means thatinterest on this purchase was accruing monthly from the original purchase date but was not beingapplied to your accountIn order to keep the accrued finance charges from being applied to youraccount, the entire promotional purchase amount needed to be paid in full by the promotionalplan’s expiration dateThis promotional purchase was not paid in full by the expiration datementioned above; therefore, the accrued interest was applied to your accountThe details of yourpromotional plan, as well as the expiration date, were present on each billing statement.While we understand your concern, after our review of your account, we have determined thebalance is accurate and no adjustments are neededIf you have any questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Shelley A***
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me
Dear Mr [redacted] :We received your complaint, addressed to the Revdex.com, regarding the abovereferencedaccountComenity Capital Bank issues GameStop® credit card accounts, and weare here to answer all of your account-related questionsYour complaint was forwarded to myattention for review, and I appreciate this opportunity to assist you.We understand from your inquiry that your account was closed on December 1, 2016, and youare requesting the account to be reopened.Per our records, on December 2, 2016, we mailed a letter to you advising why the account wasclosed.Bank records indicate the account was closed by the Bank due to excessive inquiriesThe CreditCard Agreement gives us both the right to investigate customer’s credit records and to closeaccounts at any time for any reasonWe found a number of credit inquiries were submitted foryou after an account with the Bank was opened, which put your account outside of our creditcriteria.Please be advised the account cannot be reopened due to this reason; however, in the future youmay re-apply.I hope the information I provided is helpfulShould you have any further questions or concernsabout the account, please contact me at ###-###-####I would be happy to assist you
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the Wayfair Card credit cardWe are here to answer your questions and assist with your concerns We understand from the complaint that you made a purchase online and the advertisement advised that if you purchased now, you would receive months of 0% financingYou state that once the order was received, the statements started to show interest being assessedYou also state that when you contacted Wayfair, you were advised that the order was processed three days after the promotion expiredYou then called back and spoke with a supervisor who had advised that the issue would be corrected and you would receive an update; however, you received an email stating that you could not be provided with the promotionYou are requesting to have the promotion applied and the amount of interest returned to youWe apologize for the inconvenience you have experienced regarding this matter The Bank has contacted Wayfair on your behalf, and we have been advised that the option to receive special financing was not selected at the time of checkout; therefore, your purchase did not qualify for the month deferred interest, payment required planWe were also advised that, in order to assist you with your complaint, Wayfair processed a credit to your account of $on March 28, Also, as a courtesy, the Bank processed a credit for the previously assessed finance charge in the amount of $ Thank you for your payment of $3,that was received on April 4, The balance on your Wayfair Card account is now zero I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the VICTORIA’S SECRET credit card We are here to answer your questions and assist with your concerns We understand from your additional complaint that as of December 15, 2016, the online system indicates that the account is past due Additionally, you received a letter stating that the account is suspended for three months, you request this be removed I am happy to share my findings Please be advised the systemic letter dated November 20, 2016, was sent after the second payment was returned within days This letter states that the account is suspended for further purchases, until payments are brought current and maintained with three consecutive on-time payments On December 1, 2016, as a courtesy when the return fee was removed, so was this status You may use the account for purchases at this time Our records indicate that your payment due date is the 16th of each month The account was showing past due on the Account Center website due to the payment made on November 16, 2016, was returned on November 18, There was no additional payment made for this billing cycle to rectify this matter Additionally, the account did receive a payment on December 16, 2016, online of $and your retail payment of $ I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,
Dear [redacted] We received your complaint regarding the above-referenced credit card accountComenityBank issues multiple credit card accounts, and we are here to help answer your account-relatedquestionsYour complaint, addressed to the Revdex.com, was forwarded to myattention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that someone is using your personal information, withoutyour permission, and is opening accounts in your nameYou are requesting that the Bankinvestigate this matter and remove the fraudulent accounts from your nameWe apologize forand inconvenience this may have caused you.To better assist you, we need additional information to locate the account(s) in questionPleaseprovide the following:- Complete Account Number- Any Previous Names of Accountholder- 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 helpfulShould you have any additional questions orconcerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***
In regarding the Comenity Bank ID # [redacted] - CrCard in ***Please be inform that the company send me a Birthday card for my Birthday but I am not going to use it because I do not want to buy nothing at all from them.All what I paid is enoughIf they wants to send it to collection its fine (I paid more than I should!)Regards, [redacted]
We received your complaint regarding the above-referenced credit card accountComenity Bankissues multiple credit card accounts, and we are here to help answer account-related questions.Your complaint, addressed to the Revdex.com was forwarded to my attention, and Iappreciate the opportunity to respond to your concerns.We understand from your complaint that you have been receiving multiple calls a day for yourdaughter’s accountYou further state that you wish for the calls to stop as your daughter is ill.Please be advised that we have updated our records to ensure that you are not being called at thetelephone number ending If there is another telephone number you would like to haveupdated so that you are not contacted on that number, the information can be mailed to the addresslisted above or faxed to my attention at ###-###-####.I hope you find this information to be helpfulShould 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,
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me - pending of course the removal of all negative information from my credit report and the restoration of my credit back to its former excellent rating, as well as getting back my full credit lines, over $7000k which had been reduced by the known creditors I am aware of as a result of this discrepancy, as well as any which I may not know about yet Regards, [redacted]
Dear [redacted] We received your complaint, submitted to the Revdex.com (Revdex.com), regarding theabove-noted accountComenity Bank issues Victoria's SecreffPlNK credit cards, and we arehere to answer account-related questionsYour complaint was forwarded to my attention forreview, and I appreciate the opportunity to assist you.We understand from your complaint that after signing up for the Victoria's SecreffPink creditcard account, you never received your credit card or monthly statements as a result of anaddress errorYou are asking the Bank to remove the fees assessed to your account and toremove the negative reporting, which is affecting your credit file; you also ask that the Bank stopcalling you regarding this matter.Bank records indicate that your Victoria's SecretlPlNK credit card account was opened onOctober 21, The address listed on the credit application was [redacted] A purchase of $was charged to the account on October 21, The billing statementswere mailed to the address noted above; however, payment was not received for the November2014, December 2014, January 2015, or February payment due datesWe have norecord that the statements were returned by the post office, and our records confirm thestatements were deliveredAs a result of non-payment, the account was assessed late feesand finance charges, which is compliant with the Bank's Credit Card Agreement (CCA).On March 11, 5, your address was updated on your Victoria's Secret/ PINK account to [redacted] ***On March 18, 2015, you made a payment by phone with the Bank, in the amount of $32.56, and you were charged a $payment by phone fee.As the payment was past the payment due date of March 17, 2015, the account was assessedanother late fee and finance charge.The next billing statement was mailed to the address noted above on March 22, 2015, reflectinga balance of $Payment of $was due on April 17, As payments were notreceived for the April and May due dates, the account was assessed late fees and financecharges.You spoke to the Bank's Customer Care team on May 8, During this conversation, youadvised that you had only received three statements during the course of the account beingopened and you had not received the credit cardYou also indicated that the address wasincorrect and verified that when you opened the account your address was [redacted] During this call, as courtesy, the Bank's representative issued credits totaling$55.74, leaving a balance of $for the remainder of the bank fees and payment by phonefee.In reviewing the credit application, we found that the house number of was provided;however, the current ID or reference card you used had the previous address listed, this is whatwas entered on the application and what was submitted to the BankTherefore, the statementswere delivered to this addressEnclosed are the billing statements for your records.Please be assured that we have issued credits totaling $to your Victoria's SecretlPlNKaccount for the previously assessed feesAdditionally, we sent notification to the nationalcredit-reporting agencies with instructions to delete the negative payment history reported toyour credit filePlease allow them days to update their records.As of today, your account balance is zero and the credit limit of $has been reinstated.Also, I have issued a replacement credit card to you, which you should receive in 7-businessdays.In addition, the address listed on your account when you submitted your Revdex.com complaint was [redacted] ***We have updated your Victoria's Secret/PINKaccount to reflect the address that is listed on your Revdex.com complaintIf you should ever need toupdate your address or any account information, we encourage you to call the Bank's CustomerCare team, toll free, at ###-###-####.You are a valued customer and we hope this information is helpfulShould you have anyfurther questions or concerns, please do not hesitate to contact me at I .###-###-####, ext[redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concernsWe understand from you correspondence, submitted to the Revdex.com, that you’ve had the Victoria’s Secret Angel credit card for over ten yearsIn December the account was closed due to a bankruptcy seven years ago, without you being notified of the closureYou state that you were very upset to find out that the account was closed while trying to make a purchaseYou are requesting the account reopened as you do not want you credit run again and do not want to apply for a new accountWe are sorry for the frustration this matter has caused youPlease be assured as of June 2, 2017, the Victoria’s Secret Angel account has been reopened, per your requestI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted] *** [redacted] *** Compliance Dept– Consumer Responses
I filed a complaint with Revdex.com, 04/15, against Comenity Bank/Brylane Home regarding purchases that I did not make on my Brylane AccountAcct.# [redacted] ***Comenity Bank submitted a large package of documents to me that did not meet my request to have verification of the purchases that they claim I made and owe for the itemsNo document of their purchase claim was included.I will submit the documents Comenity Bank sent to me, if Revdex.com requires them.I would like to pursue this matter, until a resolution has been reached and cleared off of my credit report.Thank you in advance for your assistance with this matter[redacted] ***
We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accountComenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you made your payment on time; however, the account was assessed a late fee of $You are requesting to have the late fee of $credited back to your accountI am happy to share my findings with you.I attempted to contact you via the telephone number ending in on May 26, 2016, to discuss this matterUnfortunately, my attempt was unsuccessful.Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.After a thorough review of the account, our records indicate that a payment of $was received on May 5, As this payment was received after the due date of May 3, 2016, a $late fee was assessed to the accountAlthough we found no billing errors on the Bank’s part, in the interest of customer service, a credit of $has been applied to the accountAs of the date of this letter, the balance on the account is $We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused youIf you have any further questions about your account, please contact me at (800) 675-5685, ext [redacted] (TDD/TTY (800) 695-1788)I will be happy to assist you.Sincerely,Renee S
*Consumer Relations SpecialistCC:Revdex.com
Dear Ms [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your questionsThe complaint was forwarded to my attention and I appreciate the opportunity to address your concerns.We understand your concerns as expressed in the complaint regarding the missing rewards, and the lack of service when contacting the BankYou have requested the Bank to immediately provide you with the reward certificates or to place a $credit to your account.Bank records indicate that you earned a $reward certificate on April 17, 2016, and you earned a $reward certificate on May 19, Reward certificates take 3-weeks to receive once earned and any replacement reward(s) take 4-weeks to receiveWe apologize that you have not received the April rewardOur investigation concludes that after contacting the Bank by email on June 5, 2016, a replacement was requestedAdditionally, the May reward should be received by the end of June.Comenity Bank is proud of the customer service that we give to our customersWe feel our associates are knowledgeable, friendly, and eager to assist our customersDue to the lack of assistance, you described in your complaint, please be assured the email messages and applicable telephone conversations were reviewedAlthough there was evidence of incorrect reward number information provided, I can assure you that the lack of help you described in the complaint did not occurIt is never our intention to cause a customer a hardship and we sincerely apologize that you were not pleased with the service you received when you contacted the Bank.As a courtesy, I issued a $credit to your account, which has been deducted from your account balance.You are a valued customer and we hope this information is helpfulIf you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Good morning, An extension is needed to further research the concerns addressed in the complaintThank you, [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit card accountsWe are here to answer your questions and assist with your concernsYour complaint states that you contacted the Bank on December 16, 2016, and informed the representative you wanted to make a payment for the minimum due on your accountYou state that the representative advised you that the minimum payment due on your account was $and you provided her with your bank account information to have the payment processedHowever, when you made your payment in January 2017, you realized that your account was assessed a late feeFurthermore, you state as a result of being told the incorrect information in December 2016, your account became delinquent for December and January You further state that you were hospitalized in the beginning of February and had set up a payment arrangementHowever, you state the way the arrangement was set up by the representative caused your account to be over days past due and a delinquency to be reported on your credit bureau reportYou are requesting that the phone call made on December 16, 2016, be reviewed, the late fees reversed, and for the delinquency from March to be removed from your reportI understand your concerns, and apologize for any confusion or frustration this may have caused youBank records indicate on October 21, 2016, a statement was issued to you showing a balance of $with a minimum payment of $due by November 16, The Bank did not receive a payment by the due date and as a result, a late fee was assessed to your accountOn November 20, 2016, a statement was issued to you showing a balance of $with a payment of $due by December 16, The Bank received a payment of $30.00; however, as a result of the payment being made for less than the required minimum payment due, a late fee was assessed to your accountOn December 21, 2016, a statement was issued to you showing a balance of $with a minimum payment of $due by January 16, The Bank received a payment of $on January 11, 2017, and a payment of $on January 13, Thank you for those paymentsOn January 21, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by February 16, The Bank did not receive a payment and as a result, a late fee was assessed to your accountYour account became one billing period past dueOn February 18, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by March 16, The Bank did not receive a payment and as a result, a late fee was assessed to your accountYour account became two billing periods past due and as a result, it was reported as days delinquent to the national credit-reporting agenciesBank records further indicate that on March 24, 2017, you were contacted by the Bank regarding the status of your accountAt that time your account received a courtesy late fee credit, and a payment of $was scheduled for April 7, Please be advised that the Bank has no record of a payment arrangement set up for you for the month of February Furthermore, the Bank reviewed all applicable telephone calls and Comenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are validWe understand your concern regarding your credit reportWe have verified we are reporting the account correctly to the credit reporting agencies as we are required by lawTo provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for youIn-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 dayCheck the back of your billing statement to see if in-store payments are available for your accountOnline: Online payments submitted through the Bank’s online Account Center before 8:p.m(ET) will be credited to your account on the same day, unless you select a date in the futureOnline payments submitted after 8:p.mET 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 statementWe recommend allowing up to days for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possiblePlease review the payments section on the back of your statement for additional informationPhone: 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:p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representativeThe above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterI hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####Sincerely, Jenny W***
.Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concernsWe understand from your correspondence that you spoke to one of our representatives who stated she would assist you with removing late fees from your accountYou explain that you scheduled a payment for November 17th, and were advised to call back after then so the representative could see what she could doHowever, when you called back, instead of removing a late fee, you were advised to schedule another paymentYou are requesting that we remove a late fee, as previously promisedWe apologize for any frustration this matter may have caused youBank records indicate your payment due date is the 12th of every monthThe Victoria’s Secret Angel account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing periodPlease keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card AgreementPlease be assured a late fee credit of $was applied to the account on November 29, Customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistanceTheir programs can provide options such as reducing the interest rate and the minimum payment requirement and could include all of your creditorsWe support and participate in the programs provided by the CCCS agenciesShould you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at *** [redacted] I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Rosa M [redacted]