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 extension
We received the complaint that you sent to the Revdex.com, regarding the above-noted accounts Comenity Bank issues ANN TAYLOR and LOVE LOFT MasterCard® 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 concernsWe understand your concerns as explained in your correspondence You opened an ANN TAYLOR credit card account in You entered active duty in and sent your orders to the Bank; the Bank complied and reduced the interest rate to 6% In addition, you opened an ANN TAYLOR (LOVE LOFT) MasterCard® in and without your knowledge, the Bank closed the ANN TAYLOR card and transferred the balance to the new card You state you have called three or four times to get it corrected You request that the 6% interest rate remain on the balance that was transferred and you want all of the late fees from June to present removedOur records indicate on November 26, 2010, the ANN TAYLOR credit card account ending in was opened On March 5, 2016, the LOVE LOFT MasterCard® account ending in 9189, was opened At the time the accounts were approved, the store associate should have issued a Credit Card Agreement (CCA), and Privacy Statement Use of the accounts, or failure to close the accounts within days of receiving the CCA, indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees Please be advised the application disclaimer states; if a customer currently has an ANN TAYLOR/LOVE LOFT credit card, when submitting the application for a MasterCard account, they are requesting an ANN TAYLOR/LOVE LOFT MasterCard® to replace their existing credit card If approved, their existing account may be closed and any balance may be transferred to their new ANN TAYLOR/LOVE LOFT MasterCard® account On March 20, 2016, the ANN TAYLOR credit card account was systematically closed due to the consolidation of the LOVE LOFT MasterCard® account and the $1,balance was transferred On the same day, a confirmation letter was mailed to you, advising that these accounts were consolidatedPlease be assured, we reduced the annual percentage rate (APR) on the ANN TAYLOR account The reduced APR is applicable to debt incurred prior to your entry into active duty/active service Since the balance was transferred, we have reduced the APR on the LOVE LOFT MasterCard® account in accordance with the provisions set forth in the Servicemembers Civil Relief Act (SCRA) In addition, credits totaling $have been issued to the LOVE LOFT MasterCard® account, for the fees that were previously assessedYour monthly billing statements will reflect the 6% APR This reduced APR is only applicable to debt incurred prior to your entry into active duty/active service As indicated in your active duty orders, your date of entry into active duty was on October 1, As a reminder, you are required to make the minimum payment due each month as shown on your monthly billing statement In the event you pay your credit card account in full, or your active duty status changes, your APR will revert to the terms as stated in your Credit Card Agreement This will include your account being moved back to the original APR, and the reinstatement of any fees that were suspended during this program Currently, the rate for new purchases is 25.24%; this rate will vary and is based on the prime rateWe sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter We hope you find this information helpful Should you have any further questions or concerns, please contact me at (800) 675-5685, ext [redacted] (TDD/TTY (800) 695-1788) I will be happy to assist you Sincerely, Tionna M [redacted] Consumer Relations Specialist CC: Revdex.com
Dear [redacted] *omenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the avenue® credit cardWe are here to answer your questions and assist with your concerns We understand in your complaint to the Revdex.com you are unable to work due to the charge off status reporting on your credit reportYou are requesting that we remove the word “charge off” from your credit report, since you have paid the balance in fullYou further state that you were given a grace period to be able to pay and at the time the guy told you that it would not affect your credit We appreciate you letting us know of your concerns and apologize you are unable to work at this time, due to information on your credit reportWe would like to take this moment to explain our findings The address provided in the correspondence does not match the address we have on filePlease contact us at the below address or at ###-###-#### to update the mailing address on the above-noted account: Comenity Bank P.OBox Columbus, OH 43218- We have reviewed the applicable phone calls and found our associate did not advise of any grace period or acknowledge this would not affect your credit report The Bank’s records show, prior to you calling in, your account wrote off due to non-payment on August 22, 2015, with an unpaid debt of $On August 25, 2015, you had called and agreed with our Recovery department to make two payments of $scheduled for August 31, 2015, and $scheduled for September 30, 2015; which brought your account balance to zeroTo ensure your account is reporting accurately, we verified that we are reporting the account as “Paid Charge Off with Zero Balance” to the credit-reporting agencies as of the date of your last payment; therefore, we are unwilling to remove this from your credit fileWe are required by law to report factual informationGenerally, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activity We understand customers may experience difficulty making their payments due to economic factorsAs an option, you may want to consider submitting a consumer statement to the credit reporting agencies, explaining the reason(s) why the account became past dueThis statement will not change your credit rating; however, it will explain to potential creditors why the account became past due, and it may contribute to their decisionYou may reach them by using the following information: I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, [redacted]
We received your complaint, addressed to the Revdex.com, regarding your fullbeauty® credit card accountComenity Bank issues fullbeauty® credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you We understand from the complaint that you ordered three items and returned all itemsYou ordered another item and paid for it in full You dispute fees that the Bank has assessed to your account We have reviewed the issues in your complaint, and apologize if you felt you did not receive the best customer service We never intend to treat our customers in a less-than-satisfactory manner We are committed to providing the best customer service, and are disappointed when a customer feels this standard was not met Our records indicate a purchase of $was made on April 1, Your April billing statement showed a minimum payment of $was due by May 11, We did not receive payment by the due date and the account was assessed a late fee of $and a finance charge of $ On May 24, 2016, your account was credited $for a returnOn May 31, 2016, the account was charged $for a purchaseWhen we do not receive a return for the full balance or the minimum payment due, the Bank will assess feesOn June 11, 2016, the account was assessed a late fee of $A finance charge of $was assessed when the June billing statement was mailed Per your request, we removed the $late fee as a courtesyBecause payment was not received by the July due date a late fee of $and a finance charge of $were assessed On July 27, 2016, we received a payment of $On August and August 2, 2016, the account was given credit adjustments totaling $The August billing statement reflects a finance charge of $and a balance of $and a minimum payment of $due by September 11, In the interest of customer service we removed finance charges totaling $on August 22, On September 26, 2016, a credit adjustment of $was madeWe received no further credits or payments and the account continued to be assessed late fees and finance charges Our records show that you made multiple attempts to resolve this matter with our Customer Care teamAs a courtesy, we have now removed all fees, creating a zero balance on the fullbeauty® account The late status on the account resulted in the account being reported as past due to the national credit-reporting agenciesIn addition, the credit limit had been lowered Please be assured that we have contacted the national credit-reporting agencies with instructions to remove the derogatory information that was reported as a result of this issueWe have also reinstated the credit limit to $ Please accept our sincere apology for any inconvenience you experiencedWe hope you find this information helpful and that you will continue to shop with fullbeautyShould you have any further questions or concerns, please contact me at ###-###-####)I will be happy to assist you Sincerely, Gail M [redacted] Compliance Dept– Consumer Responses
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the EXPRESS NEXT credit cardWe are here to answer your questions and assist with your concernsIn your correspondence, you state you have been charged multiple late feesYou attempted to use the website and automated phone service while in the hospital and were unsuccessfulYou state you have received poor customer service when you have spoken to representatives, and would like the late fees refundedWe have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not metAfter further review, there have been no outages that would have prevented you from paying online or through the automated phone systemWe do not show any attempts at logging into Account Center or any phone calls received until after your due datePlease 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 AgreementBank records indicate we issued late fee adjustments of $on October 10, 2016, and $on April 6, We are unwilling to credit any additional late fees at this timeI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Alyson F*
Dear [redacted] ***: We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention for review, and I appreciate the opportunity to assist youWe understand from your complaint that you purchased items from Victoria’s Secret, which included a bra that when received, appeared different from what you orderedYou returned the bra for a credit and instead, the item continued to be shippedYou also state that you continued to submit returns but you have not received the proper credit and when attempting to rectify this situation you were met with unsatisfactory serviceYou feel harassed and criminalized by Victoria’s SecretPlease be assured that we have reviewed your account, and we sincerely apologize for the frustration and inconvenience you have been causedBank records indicate that the situation referenced in your complaint has been resolvedYou telephoned the Bank and filed a dispute regarding the refund of $The Banks support team researched and found that Victoria’s Secret refunded the amount on July 2, 2015, which was after the dispute was filedYou were sent a mailed response on July 9, 2015, which explained these findingsEnclosed is a copy of the letter for your recordsIn addition, we understand that you believe you received less than satisfactory service by Victoria’s Secret, regarding this matterPlease be assured that the situation you described in your complaint is not a typical example of how the Bank or Victoria’s Secret treat a customerYou are a valued customer and we appreciate the time you took to write to us regarding this situationAdditionally, as Comenity Bank and Victoria’s Secret are separate entities, please be assured that we have forwarded your store concerns to Victoria’s Secret so that they can address this matterWe hope this information is helpfulShould you or your client have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Shawnda Y*** Consumer Relations Specialist
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced account Comenity Bank issues Henri Bendel credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to me for review and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you opened the Henri Bendel account on January 25, 2016, and made a one-time charge; however, the next day the same transaction was charged multiple times You state you contacted the Bank several times and were assured a hold was placed on the account, so no further charges would be approved Again the charges occurred until the card was maxed out Additionally, you had a three way call with the Bank and Henri Bendel, whom advised only one transaction was charged and the website was making the multiple charges to the card You also state Comenity Bank has not tried to rectify the situation and phone calls and emails go unanswered, and when you do speak with the Bank you are told different answers You feel you have not received the best service because the Bank could see the fraudulent charges, yet we did nothing to stop them At this time you are requesting the fraudulent charges be removed and to not show up on your credit reportWe apologize for any frustration this matter has caused you Please note Comenity Bank and Henri Bendel are two separate entities The Bank issues and is responsible for addressing questions related to your credit card account Henri Bendel is responsible for handling matters related to sales, merchandise processing, returns and shippingPlease find a summary of your account below: Bank records indicate a purchase of $was charged to the Henri Bendel account a total of five times on January 26, A credit adjustment was placed on the Henri Bendel account for $on January 27, 2016.The four $duplicate charges posted to the account on January , 27, 28, 29, 31, On January 29, 2016, a password was placed on the account to prevent any new transactions without your authorization, however all charges were approved on January 26, 2016, and posted to the account on the dates referenced above.On your phone call on January 29, 2016, our Customer Care representative contacted Henri Bendel and was advised of the system error that occurred Please be assured there was no fraudulent activity on your account The multiple charges were a result of the system error.To rectify this matter, credits totaling $were applied to the account As of the date of this letter the balance is $ Please be assured that the erroneous balance was not reported to the credit-reporting agenciesThe account balance will report to the credit-reporting agencies once the billing statement closes on February 19, 2016.The Bank has reviewed the issues in your complaint, as well as the applicable phone conversations We apologize if you felt that you did not receive the best customer service It is never the Bank's intention to treat our customers in a less-than-satisfactory manner Calls of this nature are reviewed by management so additional coaching can be provided as necessary Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met.We hope this information is helpful Should you have any further questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, KaiM [redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding theapplication referenced aboveComenity Bank issues Woman Within@ credit card accounts, andwe are here to assist you with all application-related questions or concernsI appreciate theopportunity to respond to your concerns.We understand from your complaint that you never applied for a Woman Within@ account.The Bank has looked into the application, and we have removed the inquiry that was reportingto the credit-reporting agenciesPlease allow the credit bureaus days to update theirrecordsWe hope this information is helpfulShould you have any further questions regarding this letter,please do not hesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####).Sincerely, [redacted] ***Consumer Relations Specialist
August 31, [redacted] RE: Buckle Credit Card Account Ending In [redacted] Ref No.: [redacted] Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Bank issues the Buckle credit cardWe are here to answer your questions and assist with your concerns You state in your correspondence that the account was assessed a late fee, as you were a few days late paying the balance in fullYou contacted customer service and asked for the late fee to be removed as a courtesy and the request was denied as a late fee was credited once beforeYou then requested the account be closedYou received a statement with an additional late feeYou sent a written request to have the late fee removed and the request was deniedYou received another statement and the balance had increased to $93.08, which is all late fees and interestYou are requesting the late fees and finance charges removed to bring the balance to zero and no adverse reporting I have reviewed the concerns noted in your correspondence and would like to provide you with the following informationPlease 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 Bank records indicate a billing statement was issued April 14, 2017, with a balance of $and a minimum payment of $due by May 10, Due to no payment received by the due date, a late fee and finance charge were assessed to the balanceA billing statement was issued May 15, 2017, with a balance of $and a minimum payment of $due by June 10, A payment in the amount of $was received on May 17, A billing statement was issued June 14, 2017, with a balance of $and a minimum payment of $due by July 10, Due to no payment received a late fee and finance charge were assessed to the accountAdditional billing statements were issued July 15, 2017, and August 15, Please be advised that the Bank fees assessed are validAs such, we respectfully decline your request to remove the fees We 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 law Although the account is closed per your request, we hope that you will continue to shop with Buckle I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] KaiM [redacted] Compliance Dept– Consumer Responses cc: Revdex.com
Dear [redacted] : We received the inquiry you sent to the Revdex.com (Revdex.com), regarding the above-noted accountYour inquiry was forwarded to Comenity BankComenity Bank issues the VICTORIA’S SECRET credit card, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you with your concerns We previously received and responded to your correspondence submitted to the Revdex.com regarding this same matterPlease find enclosed a copy of our response sent to you on August 9, As outlined in our previous correspondence, Bank records confirm the balance and fees as validOur decision remains the same; therefore, we are unwilling to have the account reopened or the fees removed Your account balance is $1,and we recommend you contact our Recovery team at ###-###-#### (TDD/TTY ###-###-####) for payment arrangements I hope this information is helpfulIf you have any further questions, please contact our Recovery team at the number above Sincerely, Jack C [redacted] Consumer Relations Specialist cc: Revdex.com Enclosure
Dear [redacted] ***Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the LOVELOFT credit card accountWe are here to answer yourquestions and assist with your concerns.You state you were charged for an online purchase in May that you did not makeYou have calledmultiple time to get the transaction removed and have not received a resolutionThis purchasehas had fees added, and you are afraid this is going to affect your creditYou would like thecharge removed and the late fees waived.We received your dispute on September 29, 2017, in the amount of $for an onlinepurchasePlease be assured our dispute resolution team is currently working to resolve yourdisputePlease also be aware, dispute investigations may take up to ninety days to complete.Upon completion of our investigation, we will notify you of our findings by mailWe appreciateyour patience while we conduct our investigation.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F*
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Thank you very much for your detailed investigation and findings Thank you for your quick response I appreciate it so much!
Commenity KEEPS ignoring the fall of bill! They have sent me copies of all of this years transactions and keep sweeping under the rug the Fall of 14' charge which is the cause of all this that has snowballedI have added a screen shot of my bank account from November 4th a withdrawal of $of which I paid for the money order I usedThey asked for any bank proof in my dispute and now I am handing it over againI did agree to pay this back AGAIN but in my comment I wanted a reason as to HOW they can attempt to collect interest on something I had NEVER charged if as they say was a mistake by THEM and sent me a checkI didnt agree to an order or a charge, how do they have the right to charge for something that was their mistake??? And at this point in my life I have a child and cannot afford to re-pay yet AGAIN for something I did not willingly charge, ie no order placed on my behalf to have to pay something back and certainly not that amount of money in such a short time when I can barely afford rent, nerveless something that was actually a CREDIT from the fall of 2014!
Dear [redacted] We received your complaint regarding your dressbarn credg card accountComenity Bankissues dressbarn credit cards and we are here to help with account-related questions andconcernsYour complaint, addressed to the Revdex.com, was forwarded ta myattention and I appreciate the opportunity to assist you.I understand from your complaint, you received an advertisement from dressbarn with yourmonthly billing statement for a talking large button telephoneYou advised dressbarn you wereinterested in the product with the receipt of your monthly paymentHowever, you state younever received this item; therefore, you were unaware that your dressbarn credit card accounthad been billed.Your desired settlement is for Comenity Bank to stop billing you for the product you state younever received.Bank records indicate two charges in the amount of $13.04, were billed to your account for thetelephoneBoth charges, totaling $26.08, were returned and credits posted to the dressbarncredit card account on August 12, 2015.We would like to apologize for any inconvenience this matter may have caused youPlease beadvised, in the interest of customer service, a credit totaling $-has been applied to yourdressbarn credit card acc,ount to rem-gve the remaining balance.I hope you find this information to be helpfulShould you have additional questions or concernsabout this matter, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####).SincerleyGeanine M [redacted]
Dear [redacted] :We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountAs the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist youwith account-related questionsYour complaint was forwarded to my attention, and I appreciate theopportunity to respond to your concerns.We understand your concerns regarding payment(s) you previously made, and the reporting of youraccount with the credit-reporting agenciesWe apologize for any frustration or inconvenience you mayhave experienced as a result of this situation.After a thorough review of your account, I am happy to share my findings with you.Bank records indicate that your VICTORIA’S SECRET account was permanently closed, written off, andreported to the credit-reporting agencies as an unpaid debt, on February 9, 2015, with a balance of $262.41.A payment of $was made on February 5, 2015, which included a $expedited payment feeThisfee was added to the balance and not included with the payment madeOn this day, an additional paymentof $was set up and scheduled to withdraw from your personal checking account on February 25,2015.However, on February 11, 2015, this payment was deleted, as requested, and a new payment of $262.41was scheduledThis payment was to have paid the account balance in fullRegrettably, the previouspayment by phone fee was not waived and the account balance was not updated to reflect that the balancewas paid in fullTherefore, a small balance continued to report to the credit-reporting agencies.Please be assured that the balance has been removed from your VICTORIA’S SECRET account, andnotification has been sent to the credit-reporting agencies to indicate that the account is paid in full.However, please be aware that as your account charged off, the records will update to reflect “paid infull/was a charge off”Please allow days for the credit bureaus to update their records.We hope you find this information to be helpfulShould you have further questions or concerns, pleasecontact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
Dear Mr [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues Pier imports® credit card accounts and we respond to account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you scheduled two payments on our Account Center website and you did not receive a confirmation Later, in March 2016, you received a telephone call advising that your payment for December and January was late You state that you never received a notice by mail or telephone before your account was reported to the credit-reporting agencies as late You are requesting that we remove the delinquency that was reported or provide you with a letter so that you can contact the credit bureaus about this error Additionally, you have concerns that Account Center does not offer a repeated automatic debit feature We apologize for any inconvenience this matter may have caused youAfter a review of your account, our records indicate that your account was registered on our online Account Center on May 29, 2014, using [redacted] Statement ready email notifications have been sent to your email address and the Bank has no record of any of the statement ready emails being returned as undeliverable Your monthly billing statements are your notification that a payment is due and also advises you if your account is past due and when the last payment was receivedAt this time, Comenity Bank does not offer autopay for your Pier imports® credit card Please be advised that if the option becomes available in the future, you will be notified either via your monthly billing statement or Account Center For the time being, we suggest you contact your banking institution for autopay optionsOn April 27, 2016, the late fee for $was credited to your account Please be assured that we have removed the remaining $late fee from your accountIn addition, notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment information that was reported for February Please allow the credit-reporting agencies days to update their recordsWe hope this information is helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Ashley H***
Dear Mr [redacted] We received your complaint, addressed to the Revdex.com, regarding the abovenotedaccountCornenity Bank issues The Sportsman's Guide Buyer's Club Visa accountsand we respond to all account-related questionsYour complaint was fonvarded to myattention, and I appreciate this opportunity to assist you.Your compliant states that you have asked us to delete an account from your credit bureau andthat we refuse to do soYou further indicate that you need this account to be deletedimmediately, due to this not being your account.Bank records indicate the only account we have registered in your name is The Sportsman'sGuide Buyer's Clubm Advantage Rewards Visa@Further research shows the account wasopened on August 29, 2014, in the name of [redacted] The credit limit is $2,Thelast purchase charged on the account was for $on August 9, The last payment, inthe amount of $100.00, was received on August 3, 2015.Additionally, our records do not indicate a previous request for the Bank to delete this accountfrom your credit reportThe account is open, and has been paid as agreed.If you feel this account was opened fraudulently please contact our Account Protection team at###-###-####, they will be happy to assist you.We hope this information is 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, Rosa M [redacted]
Dear [redacted] We recently received an additional complaint, addressed to the Revdex.com, regarding your HSN credit card account Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related inquiries I appreciate the opportunity to assist you I understand your concerns as indicated in your complaint, and I apologize for any continued frustration or inconvenience you may be experiencing because of this matter Thank you taking the time to speak with me on April 17, 2015, regarding this matter Please understand that Comenity Capital Bank and HSN are two separate entities The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping On your behalf, we contacted HSN, in regard to the purchases applied to the credit card account; in addition to, your telephone conversations with their Internet Order Inquiries department on February 15, 2015, March 4, 2015, March 12, 2015, and March 16, Unfortunately, HSN keeps a record of their telephone calls for days; therefore, due to the length of time that has passed since these telephone calls took place, transcripts of these calls are not available However, HSN was able to confirm that correspondence was emailed to you at [redacted] on April 3, 2015, indicating that they do not have access to your credit card statements and/or account balances with Comenity Capital Bank On that same day, HSN confirmed there was one remaining Flex Pay payment in the amount of $for the JOY & IMAN 22-Section Luxe Genuine Leather Handbag & Watch Majestic Purple order This payment was scheduled to be charged to your HSN credit card account on April 6, For your review, we have enclosed a copy of the order details provided by HSN: including purchases and returns applied to the credit card account from January 7, 2015, through March 26, Furthermore, HSN records indicate that [redacted] s last transaction was not applied to your HSN credit card account Based upon the information provided by HSN, the Bank finds the account balance on your March statement to be valid Should you have any further questions regarding this matter, please contact HSN’s corporate office directly at ###-###-####, or you may write to, HSN, [redacted] Lastly, we have enclosed a copy of the original resolution letter for your records, as our position remains unchanged As of the date of this letter, the account balance is zero, and the HSN credit card account was permanently closed, per your request We hope you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, [redacted] Consumer Relations Specialist
Regarding my previous complaint, I have come to the conclusion that Victoria secret does not care about there customers but only about making moneyI have been fully aware of my outstanding debt I owed to which I had my boyfriend payHis bank confirmed it with Victoria secret and the lady we spoke too, a lady by the name of Ms[redacted] ***, she informed us that after that was processed which would take up to 3-business days then my order that I had placed on June would be processedAnd not only would I be getting an email confirming the receipt of the transaction, I would be getting an email confirming when the order would be shippedWell, that's why I'm writing because today I learned via email that the same order I placed was cancelledI had reordered my stuff again but that was cancelled so I was just checking the status of my current order and now thisPlus because my boyfriend paid my outstanding bill off now I can't add him as an authorized user making more questions to my accountAll I would like is the stuff I orderedMy boyfriend can confirm the transactions with his bank that comenity took the outstanding balance and processed itThis is just so unrealCan someone intelligent shed some light please?
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank previously issued The Limited credit cardWe are here to answer your questions and assist with your concerns.Your complaint states that you did not receive credit from The Limited, although you returned the merchandiseYou believe that you met all the requirements to file a dispute, as listed on the back of your statement; however, you were advised to contact The LimitedYou are requesting the Bank to credit the account for $80.92.We apologize for the frustration and inconvenience you experiencedAs a result of our investigation process, we have credited your account for the full amount of your dispute, which includes all bank feesThe credit adjustments in the amount of $will reflect on the account within the next one to two billing statements.As a result of the credits, the account will have a credit balance of $A refund check for this amount will be mailed to you under separate cover.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y***
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 extension
We received the complaint that you sent to the Revdex.com, regarding the above-noted accounts Comenity Bank issues ANN TAYLOR and LOVE LOFT MasterCard® 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 concernsWe understand your concerns as explained in your correspondence You opened an ANN TAYLOR credit card account in You entered active duty in and sent your orders to the Bank; the Bank complied and reduced the interest rate to 6% In addition, you opened an ANN TAYLOR (LOVE LOFT) MasterCard® in and without your knowledge, the Bank closed the ANN TAYLOR card and transferred the balance to the new card You state you have called three or four times to get it corrected You request that the 6% interest rate remain on the balance that was transferred and you want all of the late fees from June to present removedOur records indicate on November 26, 2010, the ANN TAYLOR credit card account ending in was opened On March 5, 2016, the LOVE LOFT MasterCard® account ending in 9189, was opened At the time the accounts were approved, the store associate should have issued a Credit Card Agreement (CCA), and Privacy Statement Use of the accounts, or failure to close the accounts within days of receiving the CCA, indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees Please be advised the application disclaimer states; if a customer currently has an ANN TAYLOR/LOVE LOFT credit card, when submitting the application for a MasterCard account, they are requesting an ANN TAYLOR/LOVE LOFT MasterCard® to replace their existing credit card If approved, their existing account may be closed and any balance may be transferred to their new ANN TAYLOR/LOVE LOFT MasterCard® account On March 20, 2016, the ANN TAYLOR credit card account was systematically closed due to the consolidation of the LOVE LOFT MasterCard® account and the $1,balance was transferred On the same day, a confirmation letter was mailed to you, advising that these accounts were consolidatedPlease be assured, we reduced the annual percentage rate (APR) on the ANN TAYLOR account The reduced APR is applicable to debt incurred prior to your entry into active duty/active service Since the balance was transferred, we have reduced the APR on the LOVE LOFT MasterCard® account in accordance with the provisions set forth in the Servicemembers Civil Relief Act (SCRA) In addition, credits totaling $have been issued to the LOVE LOFT MasterCard® account, for the fees that were previously assessedYour monthly billing statements will reflect the 6% APR This reduced APR is only applicable to debt incurred prior to your entry into active duty/active service As indicated in your active duty orders, your date of entry into active duty was on October 1, As a reminder, you are required to make the minimum payment due each month as shown on your monthly billing statement In the event you pay your credit card account in full, or your active duty status changes, your APR will revert to the terms as stated in your Credit Card Agreement This will include your account being moved back to the original APR, and the reinstatement of any fees that were suspended during this program Currently, the rate for new purchases is 25.24%; this rate will vary and is based on the prime rateWe sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter We hope you find this information helpful Should you have any further questions or concerns, please contact me at (800) 675-5685, ext [redacted] (TDD/TTY (800) 695-1788) I will be happy to assist you Sincerely, Tionna M [redacted] Consumer Relations Specialist CC: Revdex.com
Dear [redacted] *omenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the avenue® credit cardWe are here to answer your questions and assist with your concerns We understand in your complaint to the Revdex.com you are unable to work due to the charge off status reporting on your credit reportYou are requesting that we remove the word “charge off” from your credit report, since you have paid the balance in fullYou further state that you were given a grace period to be able to pay and at the time the guy told you that it would not affect your credit We appreciate you letting us know of your concerns and apologize you are unable to work at this time, due to information on your credit reportWe would like to take this moment to explain our findings The address provided in the correspondence does not match the address we have on filePlease contact us at the below address or at ###-###-#### to update the mailing address on the above-noted account: Comenity Bank P.OBox Columbus, OH 43218- We have reviewed the applicable phone calls and found our associate did not advise of any grace period or acknowledge this would not affect your credit report The Bank’s records show, prior to you calling in, your account wrote off due to non-payment on August 22, 2015, with an unpaid debt of $On August 25, 2015, you had called and agreed with our Recovery department to make two payments of $scheduled for August 31, 2015, and $scheduled for September 30, 2015; which brought your account balance to zeroTo ensure your account is reporting accurately, we verified that we are reporting the account as “Paid Charge Off with Zero Balance” to the credit-reporting agencies as of the date of your last payment; therefore, we are unwilling to remove this from your credit fileWe are required by law to report factual informationGenerally, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activity We understand customers may experience difficulty making their payments due to economic factorsAs an option, you may want to consider submitting a consumer statement to the credit reporting agencies, explaining the reason(s) why the account became past dueThis statement will not change your credit rating; however, it will explain to potential creditors why the account became past due, and it may contribute to their decisionYou may reach them by using the following information: I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, [redacted]
We received your complaint, addressed to the Revdex.com, regarding your fullbeauty® credit card accountComenity Bank issues fullbeauty® credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you We understand from the complaint that you ordered three items and returned all itemsYou ordered another item and paid for it in full You dispute fees that the Bank has assessed to your account We have reviewed the issues in your complaint, and apologize if you felt you did not receive the best customer service We never intend to treat our customers in a less-than-satisfactory manner We are committed to providing the best customer service, and are disappointed when a customer feels this standard was not met Our records indicate a purchase of $was made on April 1, Your April billing statement showed a minimum payment of $was due by May 11, We did not receive payment by the due date and the account was assessed a late fee of $and a finance charge of $ On May 24, 2016, your account was credited $for a returnOn May 31, 2016, the account was charged $for a purchaseWhen we do not receive a return for the full balance or the minimum payment due, the Bank will assess feesOn June 11, 2016, the account was assessed a late fee of $A finance charge of $was assessed when the June billing statement was mailed Per your request, we removed the $late fee as a courtesyBecause payment was not received by the July due date a late fee of $and a finance charge of $were assessed On July 27, 2016, we received a payment of $On August and August 2, 2016, the account was given credit adjustments totaling $The August billing statement reflects a finance charge of $and a balance of $and a minimum payment of $due by September 11, In the interest of customer service we removed finance charges totaling $on August 22, On September 26, 2016, a credit adjustment of $was madeWe received no further credits or payments and the account continued to be assessed late fees and finance charges Our records show that you made multiple attempts to resolve this matter with our Customer Care teamAs a courtesy, we have now removed all fees, creating a zero balance on the fullbeauty® account The late status on the account resulted in the account being reported as past due to the national credit-reporting agenciesIn addition, the credit limit had been lowered Please be assured that we have contacted the national credit-reporting agencies with instructions to remove the derogatory information that was reported as a result of this issueWe have also reinstated the credit limit to $ Please accept our sincere apology for any inconvenience you experiencedWe hope you find this information helpful and that you will continue to shop with fullbeautyShould you have any further questions or concerns, please contact me at ###-###-####)I will be happy to assist you Sincerely, Gail M [redacted] Compliance Dept– Consumer Responses
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the EXPRESS NEXT credit cardWe are here to answer your questions and assist with your concernsIn your correspondence, you state you have been charged multiple late feesYou attempted to use the website and automated phone service while in the hospital and were unsuccessfulYou state you have received poor customer service when you have spoken to representatives, and would like the late fees refundedWe have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not metAfter further review, there have been no outages that would have prevented you from paying online or through the automated phone systemWe do not show any attempts at logging into Account Center or any phone calls received until after your due datePlease 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 AgreementBank records indicate we issued late fee adjustments of $on October 10, 2016, and $on April 6, We are unwilling to credit any additional late fees at this timeI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Alyson F
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Dear [redacted] ***: We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention for review, and I appreciate the opportunity to assist youWe understand from your complaint that you purchased items from Victoria’s Secret, which included a bra that when received, appeared different from what you orderedYou returned the bra for a credit and instead, the item continued to be shippedYou also state that you continued to submit returns but you have not received the proper credit and when attempting to rectify this situation you were met with unsatisfactory serviceYou feel harassed and criminalized by Victoria’s SecretPlease be assured that we have reviewed your account, and we sincerely apologize for the frustration and inconvenience you have been causedBank records indicate that the situation referenced in your complaint has been resolvedYou telephoned the Bank and filed a dispute regarding the refund of $The Banks support team researched and found that Victoria’s Secret refunded the amount on July 2, 2015, which was after the dispute was filedYou were sent a mailed response on July 9, 2015, which explained these findingsEnclosed is a copy of the letter for your recordsIn addition, we understand that you believe you received less than satisfactory service by Victoria’s Secret, regarding this matterPlease be assured that the situation you described in your complaint is not a typical example of how the Bank or Victoria’s Secret treat a customerYou are a valued customer and we appreciate the time you took to write to us regarding this situationAdditionally, as Comenity Bank and Victoria’s Secret are separate entities, please be assured that we have forwarded your store concerns to Victoria’s Secret so that they can address this matterWe hope this information is helpfulShould you or your client have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Shawnda Y*** Consumer Relations Specialist
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced account Comenity Bank issues Henri Bendel credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to me for review and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you opened the Henri Bendel account on January 25, 2016, and made a one-time charge; however, the next day the same transaction was charged multiple times You state you contacted the Bank several times and were assured a hold was placed on the account, so no further charges would be approved Again the charges occurred until the card was maxed out Additionally, you had a three way call with the Bank and Henri Bendel, whom advised only one transaction was charged and the website was making the multiple charges to the card You also state Comenity Bank has not tried to rectify the situation and phone calls and emails go unanswered, and when you do speak with the Bank you are told different answers You feel you have not received the best service because the Bank could see the fraudulent charges, yet we did nothing to stop them At this time you are requesting the fraudulent charges be removed and to not show up on your credit reportWe apologize for any frustration this matter has caused you Please note Comenity Bank and Henri Bendel are two separate entities The Bank issues and is responsible for addressing questions related to your credit card account Henri Bendel is responsible for handling matters related to sales, merchandise processing, returns and shippingPlease find a summary of your account below: Bank records indicate a purchase of $was charged to the Henri Bendel account a total of five times on January 26, A credit adjustment was placed on the Henri Bendel account for $on January 27, 2016.The four $duplicate charges posted to the account on January , 27, 28, 29, 31, On January 29, 2016, a password was placed on the account to prevent any new transactions without your authorization, however all charges were approved on January 26, 2016, and posted to the account on the dates referenced above.On your phone call on January 29, 2016, our Customer Care representative contacted Henri Bendel and was advised of the system error that occurred Please be assured there was no fraudulent activity on your account The multiple charges were a result of the system error.To rectify this matter, credits totaling $were applied to the account As of the date of this letter the balance is $ Please be assured that the erroneous balance was not reported to the credit-reporting agenciesThe account balance will report to the credit-reporting agencies once the billing statement closes on February 19, 2016.The Bank has reviewed the issues in your complaint, as well as the applicable phone conversations We apologize if you felt that you did not receive the best customer service It is never the Bank's intention to treat our customers in a less-than-satisfactory manner Calls of this nature are reviewed by management so additional coaching can be provided as necessary Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met.We hope this information is helpful Should you have any further questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, KaiM [redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding theapplication referenced aboveComenity Bank issues Woman Within@ credit card accounts, andwe are here to assist you with all application-related questions or concernsI appreciate theopportunity to respond to your concerns.We understand from your complaint that you never applied for a Woman Within@ account.The Bank has looked into the application, and we have removed the inquiry that was reportingto the credit-reporting agenciesPlease allow the credit bureaus days to update theirrecordsWe hope this information is helpfulShould you have any further questions regarding this letter,please do not hesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####).Sincerely, [redacted] ***Consumer Relations Specialist
August 31, [redacted] RE: Buckle Credit Card Account Ending In [redacted] Ref No.: [redacted] Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Bank issues the Buckle credit cardWe are here to answer your questions and assist with your concerns You state in your correspondence that the account was assessed a late fee, as you were a few days late paying the balance in fullYou contacted customer service and asked for the late fee to be removed as a courtesy and the request was denied as a late fee was credited once beforeYou then requested the account be closedYou received a statement with an additional late feeYou sent a written request to have the late fee removed and the request was deniedYou received another statement and the balance had increased to $93.08, which is all late fees and interestYou are requesting the late fees and finance charges removed to bring the balance to zero and no adverse reporting I have reviewed the concerns noted in your correspondence and would like to provide you with the following informationPlease 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 Bank records indicate a billing statement was issued April 14, 2017, with a balance of $and a minimum payment of $due by May 10, Due to no payment received by the due date, a late fee and finance charge were assessed to the balanceA billing statement was issued May 15, 2017, with a balance of $and a minimum payment of $due by June 10, A payment in the amount of $was received on May 17, A billing statement was issued June 14, 2017, with a balance of $and a minimum payment of $due by July 10, Due to no payment received a late fee and finance charge were assessed to the accountAdditional billing statements were issued July 15, 2017, and August 15, Please be advised that the Bank fees assessed are validAs such, we respectfully decline your request to remove the fees We 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 law Although the account is closed per your request, we hope that you will continue to shop with Buckle I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] KaiM [redacted] Compliance Dept– Consumer Responses cc: Revdex.com
Dear [redacted] : We received the inquiry you sent to the Revdex.com (Revdex.com), regarding the above-noted accountYour inquiry was forwarded to Comenity BankComenity Bank issues the VICTORIA’S SECRET credit card, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you with your concerns We previously received and responded to your correspondence submitted to the Revdex.com regarding this same matterPlease find enclosed a copy of our response sent to you on August 9, As outlined in our previous correspondence, Bank records confirm the balance and fees as validOur decision remains the same; therefore, we are unwilling to have the account reopened or the fees removed Your account balance is $1,and we recommend you contact our Recovery team at ###-###-#### (TDD/TTY ###-###-####) for payment arrangements I hope this information is helpfulIf you have any further questions, please contact our Recovery team at the number above Sincerely, Jack C [redacted] Consumer Relations Specialist cc: Revdex.com Enclosure
Dear [redacted] ***Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the LOVELOFT credit card accountWe are here to answer yourquestions and assist with your concerns.You state you were charged for an online purchase in May that you did not makeYou have calledmultiple time to get the transaction removed and have not received a resolutionThis purchasehas had fees added, and you are afraid this is going to affect your creditYou would like thecharge removed and the late fees waived.We received your dispute on September 29, 2017, in the amount of $for an onlinepurchasePlease be assured our dispute resolution team is currently working to resolve yourdisputePlease also be aware, dispute investigations may take up to ninety days to complete.Upon completion of our investigation, we will notify you of our findings by mailWe appreciateyour patience while we conduct our investigation.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F
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I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Thank you very much for your detailed investigation and findings Thank you for your quick response I appreciate it so much!
Commenity KEEPS ignoring the fall of bill! They have sent me copies of all of this years transactions and keep sweeping under the rug the Fall of 14' charge which is the cause of all this that has snowballedI have added a screen shot of my bank account from November 4th a withdrawal of $of which I paid for the money order I usedThey asked for any bank proof in my dispute and now I am handing it over againI did agree to pay this back AGAIN but in my comment I wanted a reason as to HOW they can attempt to collect interest on something I had NEVER charged if as they say was a mistake by THEM and sent me a checkI didnt agree to an order or a charge, how do they have the right to charge for something that was their mistake??? And at this point in my life I have a child and cannot afford to re-pay yet AGAIN for something I did not willingly charge, ie no order placed on my behalf to have to pay something back and certainly not that amount of money in such a short time when I can barely afford rent, nerveless something that was actually a CREDIT from the fall of 2014!
Dear [redacted] We received your complaint regarding your dressbarn credg card accountComenity Bankissues dressbarn credit cards and we are here to help with account-related questions andconcernsYour complaint, addressed to the Revdex.com, was forwarded ta myattention and I appreciate the opportunity to assist you.I understand from your complaint, you received an advertisement from dressbarn with yourmonthly billing statement for a talking large button telephoneYou advised dressbarn you wereinterested in the product with the receipt of your monthly paymentHowever, you state younever received this item; therefore, you were unaware that your dressbarn credit card accounthad been billed.Your desired settlement is for Comenity Bank to stop billing you for the product you state younever received.Bank records indicate two charges in the amount of $13.04, were billed to your account for thetelephoneBoth charges, totaling $26.08, were returned and credits posted to the dressbarncredit card account on August 12, 2015.We would like to apologize for any inconvenience this matter may have caused youPlease beadvised, in the interest of customer service, a credit totaling $-has been applied to yourdressbarn credit card acc,ount to rem-gve the remaining balance.I hope you find this information to be helpfulShould you have additional questions or concernsabout this matter, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####).SincerleyGeanine M [redacted]
Dear [redacted] :We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountAs the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist youwith account-related questionsYour complaint was forwarded to my attention, and I appreciate theopportunity to respond to your concerns.We understand your concerns regarding payment(s) you previously made, and the reporting of youraccount with the credit-reporting agenciesWe apologize for any frustration or inconvenience you mayhave experienced as a result of this situation.After a thorough review of your account, I am happy to share my findings with you.Bank records indicate that your VICTORIA’S SECRET account was permanently closed, written off, andreported to the credit-reporting agencies as an unpaid debt, on February 9, 2015, with a balance of $262.41.A payment of $was made on February 5, 2015, which included a $expedited payment feeThisfee was added to the balance and not included with the payment madeOn this day, an additional paymentof $was set up and scheduled to withdraw from your personal checking account on February 25,2015.However, on February 11, 2015, this payment was deleted, as requested, and a new payment of $262.41was scheduledThis payment was to have paid the account balance in fullRegrettably, the previouspayment by phone fee was not waived and the account balance was not updated to reflect that the balancewas paid in fullTherefore, a small balance continued to report to the credit-reporting agencies.Please be assured that the balance has been removed from your VICTORIA’S SECRET account, andnotification has been sent to the credit-reporting agencies to indicate that the account is paid in full.However, please be aware that as your account charged off, the records will update to reflect “paid infull/was a charge off”Please allow days for the credit bureaus to update their records.We hope you find this information to be helpfulShould you have further questions or concerns, pleasecontact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
Dear Mr [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues Pier imports® credit card accounts and we respond to account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you scheduled two payments on our Account Center website and you did not receive a confirmation Later, in March 2016, you received a telephone call advising that your payment for December and January was late You state that you never received a notice by mail or telephone before your account was reported to the credit-reporting agencies as late You are requesting that we remove the delinquency that was reported or provide you with a letter so that you can contact the credit bureaus about this error Additionally, you have concerns that Account Center does not offer a repeated automatic debit feature We apologize for any inconvenience this matter may have caused youAfter a review of your account, our records indicate that your account was registered on our online Account Center on May 29, 2014, using [redacted] Statement ready email notifications have been sent to your email address and the Bank has no record of any of the statement ready emails being returned as undeliverable Your monthly billing statements are your notification that a payment is due and also advises you if your account is past due and when the last payment was receivedAt this time, Comenity Bank does not offer autopay for your Pier imports® credit card Please be advised that if the option becomes available in the future, you will be notified either via your monthly billing statement or Account Center For the time being, we suggest you contact your banking institution for autopay optionsOn April 27, 2016, the late fee for $was credited to your account Please be assured that we have removed the remaining $late fee from your accountIn addition, notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment information that was reported for February Please allow the credit-reporting agencies days to update their recordsWe hope this information is helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Ashley H***
Dear Mr [redacted] We received your complaint, addressed to the Revdex.com, regarding the abovenotedaccountCornenity Bank issues The Sportsman's Guide Buyer's Club Visa accountsand we respond to all account-related questionsYour complaint was fonvarded to myattention, and I appreciate this opportunity to assist you.Your compliant states that you have asked us to delete an account from your credit bureau andthat we refuse to do soYou further indicate that you need this account to be deletedimmediately, due to this not being your account.Bank records indicate the only account we have registered in your name is The Sportsman'sGuide Buyer's Clubm Advantage Rewards Visa@Further research shows the account wasopened on August 29, 2014, in the name of [redacted] The credit limit is $2,Thelast purchase charged on the account was for $on August 9, The last payment, inthe amount of $100.00, was received on August 3, 2015.Additionally, our records do not indicate a previous request for the Bank to delete this accountfrom your credit reportThe account is open, and has been paid as agreed.If you feel this account was opened fraudulently please contact our Account Protection team at###-###-####, they will be happy to assist you.We hope this information is 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, Rosa M [redacted]
Dear [redacted] We recently received an additional complaint, addressed to the Revdex.com, regarding your HSN credit card account Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related inquiries I appreciate the opportunity to assist you I understand your concerns as indicated in your complaint, and I apologize for any continued frustration or inconvenience you may be experiencing because of this matter Thank you taking the time to speak with me on April 17, 2015, regarding this matter Please understand that Comenity Capital Bank and HSN are two separate entities The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping On your behalf, we contacted HSN, in regard to the purchases applied to the credit card account; in addition to, your telephone conversations with their Internet Order Inquiries department on February 15, 2015, March 4, 2015, March 12, 2015, and March 16, Unfortunately, HSN keeps a record of their telephone calls for days; therefore, due to the length of time that has passed since these telephone calls took place, transcripts of these calls are not available However, HSN was able to confirm that correspondence was emailed to you at [redacted] on April 3, 2015, indicating that they do not have access to your credit card statements and/or account balances with Comenity Capital Bank On that same day, HSN confirmed there was one remaining Flex Pay payment in the amount of $for the JOY & IMAN 22-Section Luxe Genuine Leather Handbag & Watch Majestic Purple order This payment was scheduled to be charged to your HSN credit card account on April 6, For your review, we have enclosed a copy of the order details provided by HSN: including purchases and returns applied to the credit card account from January 7, 2015, through March 26, Furthermore, HSN records indicate that [redacted] s last transaction was not applied to your HSN credit card account Based upon the information provided by HSN, the Bank finds the account balance on your March statement to be valid Should you have any further questions regarding this matter, please contact HSN’s corporate office directly at ###-###-####, or you may write to, HSN, [redacted] Lastly, we have enclosed a copy of the original resolution letter for your records, as our position remains unchanged As of the date of this letter, the account balance is zero, and the HSN credit card account was permanently closed, per your request We hope you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, [redacted] Consumer Relations Specialist
Regarding my previous complaint, I have come to the conclusion that Victoria secret does not care about there customers but only about making moneyI have been fully aware of my outstanding debt I owed to which I had my boyfriend payHis bank confirmed it with Victoria secret and the lady we spoke too, a lady by the name of Ms[redacted] ***, she informed us that after that was processed which would take up to 3-business days then my order that I had placed on June would be processedAnd not only would I be getting an email confirming the receipt of the transaction, I would be getting an email confirming when the order would be shippedWell, that's why I'm writing because today I learned via email that the same order I placed was cancelledI had reordered my stuff again but that was cancelled so I was just checking the status of my current order and now thisPlus because my boyfriend paid my outstanding bill off now I can't add him as an authorized user making more questions to my accountAll I would like is the stuff I orderedMy boyfriend can confirm the transactions with his bank that comenity took the outstanding balance and processed itThis is just so unrealCan someone intelligent shed some light please?
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank previously issued The Limited credit cardWe are here to answer your questions and assist with your concerns.Your complaint states that you did not receive credit from The Limited, although you returned the merchandiseYou believe that you met all the requirements to file a dispute, as listed on the back of your statement; however, you were advised to contact The LimitedYou are requesting the Bank to credit the account for $80.92.We apologize for the frustration and inconvenience you experiencedAs a result of our investigation process, we have credited your account for the full amount of your dispute, which includes all bank feesThe credit adjustments in the amount of $will reflect on the account within the next one to two billing statements.As a result of the credits, the account will have a credit balance of $A refund check for this amount will be mailed to you under separate cover.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y***