Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Woman Within credit cardWe are here to answer yourquestions and assist with your concerns.We previously responded to your correspondence submitted to the Revdex.comregarding this matterPlease be advised that we respond to complaints on behalf of thePresident’s officeAs previously stated, all disputes would need to be put in writing, as there isnot an email address or fax number availablePlease find enclosed a copy of our response sentto you on April 21, 2017.I hope you found this information to be helpfulIf you have any questions or concerns, please feelfree to contact me at (800) 820-8932.Sincerely,Jenny W***Compliance Dept– Consumer Responsescc: Revdex.comEnclosures
I call Fed Ex today 05-19-2017, talk with a guy name ***I was told that since it been over day they will has to deal with Carson, if Carson contact them they will gladly refund the money back to my card- but carson refuse to contact Fed ExI am tried of go back in forwardCarson doesn't care about their customer Regards, [redacted] ***
Dear [redacted] ** [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank previously issued the Maurices credit cardsWe are here to answer your questions and assist with your concernsWe understand that in May you opened the above referenced account, and paid it off and closed it in February When closing the account, you were advised there wasn’t a remaining balance and there was nothing further that needed to be doneWhen checking your credit report, the account reflects a balanceYou contacted the Bank to resolve the issue and were advised the remaining balance was a settlement fee for closing the account, and you were not required to pay it; however, if you did not, it would be sent to the credit agenciesFurthermore, you were told you would not receive confirmation for days that the settlement fee was paidYou are requesting to receive a refund of $for the settlement fee you paid, but were never advised of, and your credit report correctedAfter a review of the account, we find you gave permission for the Bank to provide your mother Katherine with account informationOn February 12, 2016, Katherine called in to the Bank and was advised the balance was $The Bank offered to settle the account with a $payment that Katherine could pay; however, you would need to contact the Bank personally to accept the offerThe $payment was made, and the account was notated so when you contacted the Bank the settlement offer and payment would be reflected We did not receive contact from you to accept the settlement offer; therefore, the remaining balance of $was never waived off the accountPlease be advised this amount is not a settlement fee, but the remaining balance owed on the delinquent accountWe attempted to contact you on September and September 6, 2017, to discuss the situation; unfortunately, our attempts were unsuccessfulWe need to know how you would like to handle the situation and have outlined your options belowWe are happy to honor the settlement offer that was provided in February This option would report your account as closed write-off, paid in full for less than the full balance, and provide you with a refund of $Additionally, this will remove the delinquencies from March to August Your other option would be to have the account reported as closed write-off, paid in fullIf you select this option the payment made on August 18, 2017, will remain on the account and all reported delinquencies would remain on your credit reportPlease respond to this correspondence through the Revdex.com and advise which option you would like to selectWe apologize for any frustration or inconvenience this may have caused youI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Diamond L***
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted] ***
Dear Ms [redacted] We recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card accountComenity Capital Bank issues HSN credit card accounts, and we respond to all account-related inquiriesI appreciate the opportunity to assist you.You state in your complaint that you have returned several items to HSN, however, the returned items still remain on your HSN credit card accountFurthermore, you state that you have requested the Bank cease from contacting you by telephone, but your request has been disregardedYou are requesting the Bank provide you with a detailed statement reflecting all charges and/or returned credits that have been applied to the above-noted account.We understand your concerns, and we sincerely apologize for any frustration you may have experienced as a result of this matter.After a thorough investigation, our records indicate that a statement was issued on October 18, 2015, indicating a balance of $1,with a minimum payment of $86.00, due by November 13, As no payments were received by the November or December due dates, late fees and finance charges were assessed to the account, pursuant of the terms outlined in the Credit Card Agreement (CCA).Please note when the Bank’s records show that the minimum payment due has not been received by the due date on an account; we will make attempts to contact you regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempt to communicate is successful.We have noted the above-referenced account to ensure that you are no longer called on the telephone number ending in 5030, per your requestHowever, the Bank may contact you by mail, or service of court filing, which would be in compliance with state and federal law.Please understand that Comenity Capital Bank and HSN are two separate entitiesThe 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.We contacted HSN on your behalf, regarding the returned merchandise outlined in the previously submitted communication to the BankPlease see below for a detailed explanation regarding each order.? Order # [redacted] : HSN is unable to confirm the receipt of the Simply Ming 7pc Comfort-Grip Nylon Utensil & Stand Set COBALT BLUE, item [redacted] , so no refund is due.? Order # [redacted] : HSN is unable to confirm the receipt of the Ming's Electric Spice Mill Set w/Gourmet Salt & Pepper Blends COBALT BLUE, item [redacted] so no refund is due.? Order # [redacted] : HSN is unable to confirm the receipt of the Simply Ming 7pc Comfort-Grip Nylon Utensil & Stand Set COBALT BLUE, item [redacted] , so no refund is due.? Order # [redacted] : HSN verified the receipt of the Nikon COOLPIX 16MP 30X Zoom Full HD Video Camera RED, item [redacted] However, HSN has confirmed that you were sent an exchange, order # [redacted] HSN is unable to confirm the receipt of the exchanged merchandise, item [redacted] so no refund is duePlease note, when a customer orders merchandise from HSN, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handlingWhen the merchandise is returned, the HSN account is credited for the merchandise and the applicable sales tax.Should you have further questions regarding merchandise that you believe was returned to HSN, you must contact HSN’s corporate office directly at ###-###-####, or you may write to, HSN, [redacted] As of the date of this letter, your HSN account has an outstanding balance of $1,837.12, with a minimum payment of $258.00, due by January 13, The account is currently two billing cycles past dueShould an account exceed six consecutive billing cycles past due, the account will be closed, written off, and reported to the national credit-reporting agencies as an unpaid debt.We have enclosed copies of the billing statements from December through December 2015, for your review.If you are experiencing difficulty making your payments due to unforeseen circumstances, we may be able to helpYou may be eligible for enrollment in our Customer Hardship ProgramThis program provides customers with six to twelve months of special terms in order to bring and keep the account currentIf you are interested in obtaining information on whether your HSN account qualifies for this program, or to discuss your intentions regarding the account, please contact a Payment Solutions representative at ###-###-####.We hope you find this information to be helpfulIf you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Lauren S*CC: Revdex.com
I find it interesting that all of the representatives, including [redacted] stated the changes started in March, when in fact they started in January according to the statement that was attachedVery convenient this was the only statement I had received in several months prior to my purchaseI did read "the fine print" stated at the bottom of the statementAgain, changes in policy should be sent as a separate e-mail or notice that this is the only piece of informationI, like most of the continued customers would only look at the statement balanceWhy would I bother reading the points information if I'm paying my billI believe this falls under unfair business practices, while it may be legal, you will be losing a paying customer and will discourage any of my colleagues from shopping with RH and especially from establishing a relationship with comenity bank [redacted] , you'll notice my account was paid off on 5/I would like to close it.Regards, [redacted]
Dear Dr [redacted] We received your additional complaint,addressed to the Revdex.com, regarding the account referencedabove Comenity Bank issues RH creditcard accounts, and we respond to account-related questions Your complaint was forwarded to my attention,and I appreciate the opportunity to respond to your concernsWe understand your concerns regarding themanner in which you were advised of the RH reward program changes that went into effect on March 5, I apologizefor any inconvenience this matter may have caused youYour payment of $2,was received on May28, 2015, and you now have a zero balancePer your request we closed your account onJune 2, Although, you have closedyour account, we hope that you will continue to shop with RHWe hope this information is helpful Should you have any other questions orconcerns regarding your account, please feel free to contact me at###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, [redacted] Consumer Relations Specialist
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveCamenity Bank issues Jessica London@ credit card accounts, and we arehere to assist you with all account-related questions or concernsI appreciate the opportunity torespond to your concerns.We understand from your complaint, you believe that your payments were processed online, butwere not credited to your accountYou received a letter from a manager stating the accountwas closed, and paid In fullYou would like to close the account, credit the payments, and youare asking the Bank to honor the letter sent by the manager.After researching the account, in the interest of customer service, Comenity Bank is not holdingyou responsible for the remaining balance of $We have issued credit to your account toadjust your account balance to $Please be assured, notification has been sent to thenational credit-reporting agencies to remove the account, in its entirety from your credit bureaureport Please allow the credit bureaus up to days to update their records.I hope that this information is helpfulShould you have any further questions regarding youraccount, please contact me at (800) 675-5685, ext[TDD/TTY (800) 695-1788)I willbe happy to assist you.Sincerely, [redacted] Consumer Relations Specialist
Dear Ms [redacted] Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the Hot Topic credit card We are here to answer your questions and assist with your concerns Your correspondence indicates you received a voice mail in which the representative requested your legal representation, and advised of the commencement of action against you As you were unaware of who was calling or why, you felt immediately threatened You further state the only account you have with the Bank is a Hot Topic card which is in current standing Our records indicate the above-referenced Hot Topic account was opened on December 19, The last purchase of $posted to the account on August 11, 2016, and the last payment of $was received on July 29, As of today’s date, the account balance is $435.65, and the account is five billing periods past due When an account is delinquent, we will make attempts to contact the customer regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusWe have reviewed the message left for you Please note this message was not an attempt to threaten you; but rather, it was an effort to prompt you to contact the Bank in order to help prevent your account from falling further into delinquency We apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met We understand customers may experience difficulty making their payments due to economic factorsYou may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Long-Term Customer Workout ProgramThese programs can provide customers with special terms in order to help bring the account currentIf you are interested in obtaining information on whether you qualify for one of these programs, please call ###-###-#### Also, 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 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 ###-###-#### I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Peebles credit cardWe are here to answer your questions and assist with yourconcerns.We understand from your complaint that you sent your check two weeks prior to your due dateYou statethat this has happened before and the Bank refunded the late feeYou state that you were rudely told thatnothing could be doneFurthermore, you are requesting to have the late fee refunded.Bank records indicate your payment due date is the third of every monthThe Peebles account is a regularrevolving account, which means that if there is a balance, a minimum payment is required each billingperiodPlease keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explained in the CreditCard Agreement.Due to a late fee credit that was issued to the account on April 15, 2016, your account is not eligible to havean additional late fee credited.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer serviceWe never intend to treat ourcustomers in a less-than-satisfactory mannerWe are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Rosa M [redacted]
this business does not operate with transparency or clarity There was a clear bait and switch and I have made clear my case that the transition from promotional to revolving credit occurred months prior than agreed Unless a refund is issued on fees charged to me, I will continue to reject responses from this organization, that is the only resolution Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Pier Rewards credit card accountWe are here to answer your questions and assist with your concerns We understand from your complaint that the promotional plan ended and the account was assessed $in interestYou state the bill is due on the 13th of every month; however, the promotional balance was due by the 1st You spoke with a supervisor who advised they would remove $of the interest charged, if the entire balance was paidYou state the Bank needs to credit the full interest amount of $I am happy to share my findings Bank records indicate the account was opened August 29, Use of the account, or failure to close the account within days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees Our records further indicate on August 29, 2016, a transaction in the amount of $posted to your account and was placed on an six-month deferred interest, payment required plan that expired on March 1, For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their accountInterest is accrued (calculated, but not added to the balance), and if the promotional balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balancePlease be advised that information regarding your promotional plan appeared on your monthly billing statements under the heading, “details of your plans” Please be advised that a billing statement was issued February 15, 2017, with a balance of $and a minimum payment of $due by March 13, Under the “details of your plans” section of your statement, it stated that the promotional balance of $needed to be paid in full by March 1, 2017, to avoid paying accrued interest charges As a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $was assessed to your account on March 18, 2017, and the remaining promotional balance of $was moved to revolving, which is subject to monthly finance charges On March 21, 2017, your payment of $was receivedOn March 23, 2017, a $credit was issued to the balance for a portion of the previously assessed finance charge, per your conversation with the supervisor As there was no Bank error, we find the finance charge validWe are unwilling to credit the remaining finance charge assessed 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]
Dear Mr [redacted] :Thank you for your recent complaint regarding the account noted aboveComenity Bank issuesStage credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention and Iappreciate the opportunity to assist you.I understand from your complaint, you missed a couple of your first payments on your Stageaccount due to the billing statements being sent to your street address, rather than your mailing2addressDue to this matter, derogatory payment information has been reported on your creditbureau reportYou are requesting to have the derogatory information removed from your creditbureau report.Please note, billing statements have been issued via direct mail to the physical address listedon the Stage credit card account, beginning on May 16, 2014, until the address was updated toyour PO Box address on January 21, have included all available billing statements foryour records.Bank records indicate the account was reported as current from May through DecemberThe account became days past due in January and days past due inFebruary 2015.Comenity Bank is required by law to report factual data to the credit bureaus with regard toaccount activityAt this time, Comenity Bank finds no errors in its reporting of the Stage creditcard account to the credit bureaus.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 ###-###-####).I would be happy to assist you.Sincerely,Geanine M [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Wowee, I'm about speechlessI think you could hear my jaw hitting the floorThis business had previously written me a letter telling me they sold my account and I owed every penny they added to an account I didn't know I hadI'm very happy for the new response and thankful for the help of the Revdex.comThank you very much! I APPRECIATE all you help [redacted]
We received your complaint, addressed to the Revdex.com, regarding your fullbeauty® creditcard accountComenity Bank issues fullbeauty® credit card accounts, and we respond to all accountrelatedquestionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assistyou.We understand from the complaint that you were behind on your payments, and that your first paymentarrangement did not go through because the person you spoke with did not process your arrangementcorrectlyWhen you called to discuss an additional payment arrangement, you were advised it was toolate, and that you needed to make a $payment or the account would go to collectionsThis debt isnow paid in full, but it is reporting to the credit bureaus as an unpaid debtYou are requesting that yourcredit bureau information be updated to paid in full.We understand your concerns, and sincerely apologize for any inconvenience this matter may have causedyou.We have reviewed the concerns in your complaint, as well as the applicable telephone conversationsWeapologize if you felt you did not receive the best customer serviceWe never intend to treat our customersin a less-than-satisfactory mannerWe are committed to providing the best customer service and aredisappointed when a customer feels this standard was not metWe were able to confirm that you didreceive misinformation from our collection representatives in regards to the hardship program.In the interest of customer service, because the account was written off before the settlement wascompleted, the Bank has submitted notification to the credit-reporting agencies to have the abovereferencedaccount deleted, in its entirety, from your credit reportPlease allow up to days for thisinformation to be updated by the credit reporting agencies.We value you as a customer, and hope you find this information to be helpfulIf you have any furtherquestions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you
Comenity Capital Bank has received your correspondence regarding the above-referencedaccountComenity Capital Bank issues the Lending Club Patient Solutions credit accountsWeare here to answer your questions and assist with your concerns.Your complaint states that you financed dental treatment on your Lending Club Patient Solutionsaccount; however, you have not received the dental implantsYou are requesting a refund of$1,for the unused portion of your $2,loanWe understand your concerns andapologize for any frustration or inconvenience this matter may have caused you.We received your dispute on July 12, 2017, in the amount of $1,Please be assured ourdispute resolution team is currently working to resolve your disputePlease also be aware, disputeinvestigations may take up to ninety days to completeUpon completion of our investigation, wewill notify you of our findings by mailWe appreciate your patience while we conduct ourinvestigation.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W***Jenny W***Compliance Dept– Consumer Responsescc: Revdex.com
They were dishonest in opening a second credit account that I did not know about By the time I realized there was a second account it has already had fees charged to itI will not pay them I paid in full the account I was aware of I also sent in my money order for the remaining $I owed and not one penny more will be paid You just do not open multiple accounts for people and expect them to understand you did this Anywhere else I've applied for credit I've only been given one account
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 concerns.Your correspondence states that the account was assessed late fees for the months of May and June You contacted the Bank regarding the late fees and were advised they would be waived; however, they have not beenYou are requesting that the late fees be waived as promised.I have reviewed the concerns noted in your correspondence and would like to provide you with the following information.We attempted to locate the applicable telephone conversations for the months noted above; however, we were 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.Bank records indicate that on April 17, 2017, a statement was issued indicating a balance of $with a minimum payment of $due by May 13, The Bank received a payment of $on May 16, As a result of the payment being credited after the due date, a late fee and finance charge were assessed to your account.Bank records further indicate that on May 18, 2017, a statement was issued indicating a balance of $with a minimum payment of $due by June 13, The Bank received a payment of $on June 14, As a result of the payment being credited after the due date, a late fee and finance charge were assessed to your account.Comenity Bank has not found any billing errors and we are unwilling to waive any fees as they are valid.To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off yourpayment in the store so it can be applied to your account on the same dayCheck the back ofyour billing statement to see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:p.m.Eastern Time (ET) will be credited to your account on the same day, unless you select a date inthe futureOnline payments submitted after 8:p.mET will be credited the following day (or ona future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing up to days for the payment to arriveIf you’re a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possiblePlease review the payments section on the back of yourstatement for additional information.Phone: If you need to make a same-day payment, you may call us at the phone number on theback of your billing statement before 8:p.mET to speak to a customer care representativeAfee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.I hope you found this information to be helpfulIf you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jenny W***Compliance Dept– Consumer Responsescc: Revdex.com
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Ann Taylor credit cardWe are here to answer your questions and assist with your concernsYour complaint states that the Bank adds extra fees, does not close account(s) when requested, and gives information when trying to close; therefore, adding additional feesYou state that your purchase, of less than $200.00, grew after you closed the account on two separate occasionsYou are requesting that the Bank refund you $The Ann Taylor account was opened on April 23, 2016; use of the account or failure to close the account within days of receiving the Credit Card Agreement indicated your acceptance of the terms of the Agreement, including the assessment of any finance charges and feesThe last purchase of $was made on April 23, 2016, and the last payment of $was received on February 20, Bank records indicate that your account was delinquent for the months of June through August 2016, and also delinquent for the months of December through February Enclosed you will find copies of your billing statements showing the account activity that resulted in the account balance and delinquenciesFurthermore, the Bank closed the account as requested on October 29, Although you closed the account, a balance still existedAs such, the balance was subjected to late fees and finance charges if the payments were not received, received after the due date, or were made for less than the minimum required, as explained in the Credit Card AgreementWith regard to incorrect information, we are unable to identify what information you were provided that was incorrectIf you would like for us to further investigate this claim, we need more informationPlease provide the information you feel was incorrect, and an estimated time frameOnce received, we will be happy to review the applicable telephone call(s)Comenity Bank respectfully declines your request to refund $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***
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Stage credit cardWe are here to answer your questions and assist with your concernsYour correspondence states you charged $and paid on timeYour account was charged a late fee, which the Bank removedHowever, you were charged another late fee for a $balanceYou paid $on May 10, 2017, and the Bank will not remove the late feeYou state you are going to pay the account; however, you will never shop in a store that uses Comenity Bank or their credit cardsWe 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 metA review of our records indicates a billing statement was issued on February 13, 2017, reflecting a balance of $and a minimum payment of $due by March 11, Payment of $was received on February 22, On this same day, you charged $to the account for a Petite Casual and Missy TraditionalA billing statement was issued on March 16, 2017, reflecting a balance of $and a minimum payment of $due by April 11, Payment of $was received on March 28, 2017, and was less than the full required minimum dueTherefore, a late fee of $was assessed to the accountOn the same day as the payment, you also charged $for Junior TopsPlease 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 (CCA)A billing statement was issued on April 2017, reflecting a balance of $and a minimum payment of $due by May 11, As a courtesy, a late fee of $was credited to the account on April 24, 2017, and payment of $was received on May 9, 2017, leaving a balance of $Because the minimum payment due was $27.00, and only $was received, the account was assessed a $late feeCopies of your statements are enclosed for your referencePlease note that payments are applied first to late fees and finance/minimum charges due on the accountThe current balance on the account is $and a minimum payment of $is due by June 11, Our review of the account shows that there were no errors on the part of the Bank and the fee charged is validTherefore, there are no credits due to the accountThe account was closed at your request on May 22, Please be advised, if the minimum monthly payments are not received, late fees will continue to be chargedI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted] Compliance Dept– Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Woman Within credit cardWe are here to answer yourquestions and assist with your concerns.We previously responded to your correspondence submitted to the Revdex.comregarding this matterPlease be advised that we respond to complaints on behalf of thePresident’s officeAs previously stated, all disputes would need to be put in writing, as there isnot an email address or fax number availablePlease find enclosed a copy of our response sentto you on April 21, 2017.I hope you found this information to be helpfulIf you have any questions or concerns, please feelfree to contact me at (800) 820-8932.Sincerely,Jenny W***Compliance Dept– Consumer Responsescc: Revdex.comEnclosures
I call Fed Ex today 05-19-2017, talk with a guy name ***I was told that since it been over day they will has to deal with Carson, if Carson contact them they will gladly refund the money back to my card- but carson refuse to contact Fed ExI am tried of go back in forwardCarson doesn't care about their customer Regards, [redacted] ***
Dear [redacted] ** [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank previously issued the Maurices credit cardsWe are here to answer your questions and assist with your concernsWe understand that in May you opened the above referenced account, and paid it off and closed it in February When closing the account, you were advised there wasn’t a remaining balance and there was nothing further that needed to be doneWhen checking your credit report, the account reflects a balanceYou contacted the Bank to resolve the issue and were advised the remaining balance was a settlement fee for closing the account, and you were not required to pay it; however, if you did not, it would be sent to the credit agenciesFurthermore, you were told you would not receive confirmation for days that the settlement fee was paidYou are requesting to receive a refund of $for the settlement fee you paid, but were never advised of, and your credit report correctedAfter a review of the account, we find you gave permission for the Bank to provide your mother Katherine with account informationOn February 12, 2016, Katherine called in to the Bank and was advised the balance was $The Bank offered to settle the account with a $payment that Katherine could pay; however, you would need to contact the Bank personally to accept the offerThe $payment was made, and the account was notated so when you contacted the Bank the settlement offer and payment would be reflected We did not receive contact from you to accept the settlement offer; therefore, the remaining balance of $was never waived off the accountPlease be advised this amount is not a settlement fee, but the remaining balance owed on the delinquent accountWe attempted to contact you on September and September 6, 2017, to discuss the situation; unfortunately, our attempts were unsuccessfulWe need to know how you would like to handle the situation and have outlined your options belowWe are happy to honor the settlement offer that was provided in February This option would report your account as closed write-off, paid in full for less than the full balance, and provide you with a refund of $Additionally, this will remove the delinquencies from March to August Your other option would be to have the account reported as closed write-off, paid in fullIf you select this option the payment made on August 18, 2017, will remain on the account and all reported delinquencies would remain on your credit reportPlease respond to this correspondence through the Revdex.com and advise which option you would like to selectWe apologize for any frustration or inconvenience this may have caused youI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Diamond L***
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted] ***
Dear Ms [redacted] We recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card accountComenity Capital Bank issues HSN credit card accounts, and we respond to all account-related inquiriesI appreciate the opportunity to assist you.You state in your complaint that you have returned several items to HSN, however, the returned items still remain on your HSN credit card accountFurthermore, you state that you have requested the Bank cease from contacting you by telephone, but your request has been disregardedYou are requesting the Bank provide you with a detailed statement reflecting all charges and/or returned credits that have been applied to the above-noted account.We understand your concerns, and we sincerely apologize for any frustration you may have experienced as a result of this matter.After a thorough investigation, our records indicate that a statement was issued on October 18, 2015, indicating a balance of $1,with a minimum payment of $86.00, due by November 13, As no payments were received by the November or December due dates, late fees and finance charges were assessed to the account, pursuant of the terms outlined in the Credit Card Agreement (CCA).Please note when the Bank’s records show that the minimum payment due has not been received by the due date on an account; we will make attempts to contact you regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempt to communicate is successful.We have noted the above-referenced account to ensure that you are no longer called on the telephone number ending in 5030, per your requestHowever, the Bank may contact you by mail, or service of court filing, which would be in compliance with state and federal law.Please understand that Comenity Capital Bank and HSN are two separate entitiesThe 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.We contacted HSN on your behalf, regarding the returned merchandise outlined in the previously submitted communication to the BankPlease see below for a detailed explanation regarding each order.? Order # [redacted] : HSN is unable to confirm the receipt of the Simply Ming 7pc Comfort-Grip Nylon Utensil & Stand Set COBALT BLUE, item [redacted] , so no refund is due.? Order # [redacted] : HSN is unable to confirm the receipt of the Ming's Electric Spice Mill Set w/Gourmet Salt & Pepper Blends COBALT BLUE, item [redacted] so no refund is due.? Order # [redacted] : HSN is unable to confirm the receipt of the Simply Ming 7pc Comfort-Grip Nylon Utensil & Stand Set COBALT BLUE, item [redacted] , so no refund is due.? Order # [redacted] : HSN verified the receipt of the Nikon COOLPIX 16MP 30X Zoom Full HD Video Camera RED, item [redacted] However, HSN has confirmed that you were sent an exchange, order # [redacted] HSN is unable to confirm the receipt of the exchanged merchandise, item [redacted] so no refund is duePlease note, when a customer orders merchandise from HSN, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handlingWhen the merchandise is returned, the HSN account is credited for the merchandise and the applicable sales tax.Should you have further questions regarding merchandise that you believe was returned to HSN, you must contact HSN’s corporate office directly at ###-###-####, or you may write to, HSN, [redacted] As of the date of this letter, your HSN account has an outstanding balance of $1,837.12, with a minimum payment of $258.00, due by January 13, The account is currently two billing cycles past dueShould an account exceed six consecutive billing cycles past due, the account will be closed, written off, and reported to the national credit-reporting agencies as an unpaid debt.We have enclosed copies of the billing statements from December through December 2015, for your review.If you are experiencing difficulty making your payments due to unforeseen circumstances, we may be able to helpYou may be eligible for enrollment in our Customer Hardship ProgramThis program provides customers with six to twelve months of special terms in order to bring and keep the account currentIf you are interested in obtaining information on whether your HSN account qualifies for this program, or to discuss your intentions regarding the account, please contact a Payment Solutions representative at ###-###-####.We hope you find this information to be helpfulIf you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Lauren S
*CC: Revdex.com
I find it interesting that all of the representatives, including [redacted] stated the changes started in March, when in fact they started in January according to the statement that was attachedVery convenient this was the only statement I had received in several months prior to my purchaseI did read "the fine print" stated at the bottom of the statementAgain, changes in policy should be sent as a separate e-mail or notice that this is the only piece of informationI, like most of the continued customers would only look at the statement balanceWhy would I bother reading the points information if I'm paying my billI believe this falls under unfair business practices, while it may be legal, you will be losing a paying customer and will discourage any of my colleagues from shopping with RH and especially from establishing a relationship with comenity bank [redacted] , you'll notice my account was paid off on 5/I would like to close it.Regards, [redacted]
Dear Dr [redacted] We received your additional complaint,addressed to the Revdex.com, regarding the account referencedabove Comenity Bank issues RH creditcard accounts, and we respond to account-related questions Your complaint was forwarded to my attention,and I appreciate the opportunity to respond to your concernsWe understand your concerns regarding themanner in which you were advised of the RH reward program changes that went into effect on March 5, I apologizefor any inconvenience this matter may have caused youYour payment of $2,was received on May28, 2015, and you now have a zero balancePer your request we closed your account onJune 2, Although, you have closedyour account, we hope that you will continue to shop with RHWe hope this information is helpful Should you have any other questions orconcerns regarding your account, please feel free to contact me at###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, [redacted] Consumer Relations Specialist
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveCamenity Bank issues Jessica London@ credit card accounts, and we arehere to assist you with all account-related questions or concernsI appreciate the opportunity torespond to your concerns.We understand from your complaint, you believe that your payments were processed online, butwere not credited to your accountYou received a letter from a manager stating the accountwas closed, and paid In fullYou would like to close the account, credit the payments, and youare asking the Bank to honor the letter sent by the manager.After researching the account, in the interest of customer service, Comenity Bank is not holdingyou responsible for the remaining balance of $We have issued credit to your account toadjust your account balance to $Please be assured, notification has been sent to thenational credit-reporting agencies to remove the account, in its entirety from your credit bureaureport Please allow the credit bureaus up to days to update their records.I hope that this information is helpfulShould you have any further questions regarding youraccount, please contact me at (800) 675-5685, ext[TDD/TTY (800) 695-1788)I willbe happy to assist you.Sincerely, [redacted] Consumer Relations Specialist
Dear Ms [redacted] Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the Hot Topic credit card We are here to answer your questions and assist with your concerns Your correspondence indicates you received a voice mail in which the representative requested your legal representation, and advised of the commencement of action against you As you were unaware of who was calling or why, you felt immediately threatened You further state the only account you have with the Bank is a Hot Topic card which is in current standing Our records indicate the above-referenced Hot Topic account was opened on December 19, The last purchase of $posted to the account on August 11, 2016, and the last payment of $was received on July 29, As of today’s date, the account balance is $435.65, and the account is five billing periods past due When an account is delinquent, we will make attempts to contact the customer regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusWe have reviewed the message left for you Please note this message was not an attempt to threaten you; but rather, it was an effort to prompt you to contact the Bank in order to help prevent your account from falling further into delinquency We apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met We understand customers may experience difficulty making their payments due to economic factorsYou may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Long-Term Customer Workout ProgramThese programs can provide customers with special terms in order to help bring the account currentIf you are interested in obtaining information on whether you qualify for one of these programs, please call ###-###-#### Also, 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 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 ###-###-#### I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Peebles credit cardWe are here to answer your questions and assist with yourconcerns.We understand from your complaint that you sent your check two weeks prior to your due dateYou statethat this has happened before and the Bank refunded the late feeYou state that you were rudely told thatnothing could be doneFurthermore, you are requesting to have the late fee refunded.Bank records indicate your payment due date is the third of every monthThe Peebles account is a regularrevolving account, which means that if there is a balance, a minimum payment is required each billingperiodPlease keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explained in the CreditCard Agreement.Due to a late fee credit that was issued to the account on April 15, 2016, your account is not eligible to havean additional late fee credited.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer serviceWe never intend to treat ourcustomers in a less-than-satisfactory mannerWe are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Rosa M [redacted]
this business does not operate with transparency or clarity There was a clear bait and switch and I have made clear my case that the transition from promotional to revolving credit occurred months prior than agreed Unless a refund is issued on fees charged to me, I will continue to reject responses from this organization, that is the only resolution Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Pier Rewards credit card accountWe are here to answer your questions and assist with your concerns We understand from your complaint that the promotional plan ended and the account was assessed $in interestYou state the bill is due on the 13th of every month; however, the promotional balance was due by the 1st You spoke with a supervisor who advised they would remove $of the interest charged, if the entire balance was paidYou state the Bank needs to credit the full interest amount of $I am happy to share my findings Bank records indicate the account was opened August 29, Use of the account, or failure to close the account within days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees Our records further indicate on August 29, 2016, a transaction in the amount of $posted to your account and was placed on an six-month deferred interest, payment required plan that expired on March 1, For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their accountInterest is accrued (calculated, but not added to the balance), and if the promotional balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balancePlease be advised that information regarding your promotional plan appeared on your monthly billing statements under the heading, “details of your plans” Please be advised that a billing statement was issued February 15, 2017, with a balance of $and a minimum payment of $due by March 13, Under the “details of your plans” section of your statement, it stated that the promotional balance of $needed to be paid in full by March 1, 2017, to avoid paying accrued interest charges As a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $was assessed to your account on March 18, 2017, and the remaining promotional balance of $was moved to revolving, which is subject to monthly finance charges On March 21, 2017, your payment of $was receivedOn March 23, 2017, a $credit was issued to the balance for a portion of the previously assessed finance charge, per your conversation with the supervisor As there was no Bank error, we find the finance charge validWe are unwilling to credit the remaining finance charge assessed 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]
Dear Mr [redacted] :Thank you for your recent complaint regarding the account noted aboveComenity Bank issuesStage credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention and Iappreciate the opportunity to assist you.I understand from your complaint, you missed a couple of your first payments on your Stageaccount due to the billing statements being sent to your street address, rather than your mailing2addressDue to this matter, derogatory payment information has been reported on your creditbureau reportYou are requesting to have the derogatory information removed from your creditbureau report.Please note, billing statements have been issued via direct mail to the physical address listedon the Stage credit card account, beginning on May 16, 2014, until the address was updated toyour PO Box address on January 21, have included all available billing statements foryour records.Bank records indicate the account was reported as current from May through DecemberThe account became days past due in January and days past due inFebruary 2015.Comenity Bank is required by law to report factual data to the credit bureaus with regard toaccount activityAt this time, Comenity Bank finds no errors in its reporting of the Stage creditcard account to the credit bureaus.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 ###-###-####).I would be happy to assist you.Sincerely,Geanine M [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Wowee, I'm about speechlessI think you could hear my jaw hitting the floorThis business had previously written me a letter telling me they sold my account and I owed every penny they added to an account I didn't know I hadI'm very happy for the new response and thankful for the help of the Revdex.comThank you very much! I APPRECIATE all you help [redacted]
We received your complaint, addressed to the Revdex.com, regarding your fullbeauty® creditcard accountComenity Bank issues fullbeauty® credit card accounts, and we respond to all accountrelatedquestionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assistyou.We understand from the complaint that you were behind on your payments, and that your first paymentarrangement did not go through because the person you spoke with did not process your arrangementcorrectlyWhen you called to discuss an additional payment arrangement, you were advised it was toolate, and that you needed to make a $payment or the account would go to collectionsThis debt isnow paid in full, but it is reporting to the credit bureaus as an unpaid debtYou are requesting that yourcredit bureau information be updated to paid in full.We understand your concerns, and sincerely apologize for any inconvenience this matter may have causedyou.We have reviewed the concerns in your complaint, as well as the applicable telephone conversationsWeapologize if you felt you did not receive the best customer serviceWe never intend to treat our customersin a less-than-satisfactory mannerWe are committed to providing the best customer service and aredisappointed when a customer feels this standard was not metWe were able to confirm that you didreceive misinformation from our collection representatives in regards to the hardship program.In the interest of customer service, because the account was written off before the settlement wascompleted, the Bank has submitted notification to the credit-reporting agencies to have the abovereferencedaccount deleted, in its entirety, from your credit reportPlease allow up to days for thisinformation to be updated by the credit reporting agencies.We value you as a customer, and hope you find this information to be helpfulIf you have any furtherquestions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you
Comenity Capital Bank has received your correspondence regarding the above-referencedaccountComenity Capital Bank issues the Lending Club Patient Solutions credit accountsWeare here to answer your questions and assist with your concerns.Your complaint states that you financed dental treatment on your Lending Club Patient Solutionsaccount; however, you have not received the dental implantsYou are requesting a refund of$1,for the unused portion of your $2,loanWe understand your concerns andapologize for any frustration or inconvenience this matter may have caused you.We received your dispute on July 12, 2017, in the amount of $1,Please be assured ourdispute resolution team is currently working to resolve your disputePlease also be aware, disputeinvestigations may take up to ninety days to completeUpon completion of our investigation, wewill notify you of our findings by mailWe appreciate your patience while we conduct ourinvestigation.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W***Jenny W***Compliance Dept– Consumer Responsescc: Revdex.com
They were dishonest in opening a second credit account that I did not know about By the time I realized there was a second account it has already had fees charged to itI will not pay them I paid in full the account I was aware of I also sent in my money order for the remaining $I owed and not one penny more will be paid You just do not open multiple accounts for people and expect them to understand you did this Anywhere else I've applied for credit I've only been given one account
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 concerns.Your correspondence states that the account was assessed late fees for the months of May and June You contacted the Bank regarding the late fees and were advised they would be waived; however, they have not beenYou are requesting that the late fees be waived as promised.I have reviewed the concerns noted in your correspondence and would like to provide you with the following information.We attempted to locate the applicable telephone conversations for the months noted above; however, we were 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.Bank records indicate that on April 17, 2017, a statement was issued indicating a balance of $with a minimum payment of $due by May 13, The Bank received a payment of $on May 16, As a result of the payment being credited after the due date, a late fee and finance charge were assessed to your account.Bank records further indicate that on May 18, 2017, a statement was issued indicating a balance of $with a minimum payment of $due by June 13, The Bank received a payment of $on June 14, As a result of the payment being credited after the due date, a late fee and finance charge were assessed to your account.Comenity Bank has not found any billing errors and we are unwilling to waive any fees as they are valid.To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off yourpayment in the store so it can be applied to your account on the same dayCheck the back ofyour billing statement to see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:p.m.Eastern Time (ET) will be credited to your account on the same day, unless you select a date inthe futureOnline payments submitted after 8:p.mET will be credited the following day (or ona future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing up to days for the payment to arriveIf you’re a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possiblePlease review the payments section on the back of yourstatement for additional information.Phone: If you need to make a same-day payment, you may call us at the phone number on theback of your billing statement before 8:p.mET to speak to a customer care representativeAfee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.I hope you found this information to be helpfulIf you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jenny W***Compliance Dept– Consumer Responsescc: Revdex.com
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Ann Taylor credit cardWe are here to answer your questions and assist with your concernsYour complaint states that the Bank adds extra fees, does not close account(s) when requested, and gives information when trying to close; therefore, adding additional feesYou state that your purchase, of less than $200.00, grew after you closed the account on two separate occasionsYou are requesting that the Bank refund you $The Ann Taylor account was opened on April 23, 2016; use of the account or failure to close the account within days of receiving the Credit Card Agreement indicated your acceptance of the terms of the Agreement, including the assessment of any finance charges and feesThe last purchase of $was made on April 23, 2016, and the last payment of $was received on February 20, Bank records indicate that your account was delinquent for the months of June through August 2016, and also delinquent for the months of December through February Enclosed you will find copies of your billing statements showing the account activity that resulted in the account balance and delinquenciesFurthermore, the Bank closed the account as requested on October 29, Although you closed the account, a balance still existedAs such, the balance was subjected to late fees and finance charges if the payments were not received, received after the due date, or were made for less than the minimum required, as explained in the Credit Card AgreementWith regard to incorrect information, we are unable to identify what information you were provided that was incorrectIf you would like for us to further investigate this claim, we need more informationPlease provide the information you feel was incorrect, and an estimated time frameOnce received, we will be happy to review the applicable telephone call(s)Comenity Bank respectfully declines your request to refund $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***
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Stage credit cardWe are here to answer your questions and assist with your concernsYour correspondence states you charged $and paid on timeYour account was charged a late fee, which the Bank removedHowever, you were charged another late fee for a $balanceYou paid $on May 10, 2017, and the Bank will not remove the late feeYou state you are going to pay the account; however, you will never shop in a store that uses Comenity Bank or their credit cardsWe 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 metA review of our records indicates a billing statement was issued on February 13, 2017, reflecting a balance of $and a minimum payment of $due by March 11, Payment of $was received on February 22, On this same day, you charged $to the account for a Petite Casual and Missy TraditionalA billing statement was issued on March 16, 2017, reflecting a balance of $and a minimum payment of $due by April 11, Payment of $was received on March 28, 2017, and was less than the full required minimum dueTherefore, a late fee of $was assessed to the accountOn the same day as the payment, you also charged $for Junior TopsPlease 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 (CCA)A billing statement was issued on April 2017, reflecting a balance of $and a minimum payment of $due by May 11, As a courtesy, a late fee of $was credited to the account on April 24, 2017, and payment of $was received on May 9, 2017, leaving a balance of $Because the minimum payment due was $27.00, and only $was received, the account was assessed a $late feeCopies of your statements are enclosed for your referencePlease note that payments are applied first to late fees and finance/minimum charges due on the accountThe current balance on the account is $and a minimum payment of $is due by June 11, Our review of the account shows that there were no errors on the part of the Bank and the fee charged is validTherefore, there are no credits due to the accountThe account was closed at your request on May 22, Please be advised, if the minimum monthly payments are not received, late fees will continue to be chargedI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted] Compliance Dept– Consumer Responses