Asking for me to send personal information which they already possess through the mail like my address, account numbers and social security is just another stalling techniqueHow many people by the name of [redacted] & [redacted] that sent them over $twice do they have? Just more fraudulent tactics by a fraudulent bank
Hi,I’m writing to follow up on the complaint number [redacted] Its been too long since the business asked for an extension on timeI’m planning to sue them in court if they don’t respond positively so please let me know when their clock to respond runs out.Thanks [redacted] ###-###-####
We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountAs the bank that issues VICTORIA’S SECRET credit cards, we are here to help answer all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist youWe understand your concerns regarding the late fee and the credit-reporting information for your VICTORIA’S SECRET accountWe also understand that you believed you were set up on auto payments, but found that the payments are a one-time payment scheduled on the Bank’s Account CenterPlease accept our apology for any confusion or inconvenience this may have causedAfter a thorough investigation of the VICTORIA’S SECRET account, our records indicate that you logged into Account Center on August 7, 2016, and updated your personal banking informationAs VICTORIA’S SECRET does not offer an auto payment option online, you were not enrolled in auto paymentsAs you are enrolled to receive paperless statements; since March 30, 2016, you were sent a statement ready email notification on August 21, 2016, and September 20, The emails were sent to the email address you provided at registration; [email protected] August statement reflected a balance of $for the purchase you made on August 12, A payment for $was due by September 12, As payment was not received, the account was charged a late fee of $On September 30, 2016, you logged into Account Center and scheduled a payment for $68.56, which included the late fee chargeAs of today’s date, the account balance is zeroPlease be assured that although the payment was late, it was not or more days late; therefore, Comenity Bank has not reported the VICTORIA’S SECRET credit card account as delinquent to the credit-reporting companiesYou are a valued customer and we hope you found this information to be helpfulIf you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Shawnda Y***
I am rejecting this response because:Their response fails to address their company's complete lack of professional conduct towards me, and their pattern of harassment and intimidationThe response also suggests I need to provide them with confidential, personal information which if one understands the nature of the complaint in the first place one would understand why that information is not being provided! In addition, I was told by a company employee, a woman named "T" who refused to provide her last name, that there must be a problem with my credit reportI can assure you there are no inaccuracies with my credit report Regards, [redacted]
Dear Ms [redacted] :We received your complaint submitted to the Revdex.com regarding the above-referenced account.As the bank that issues BrylaneHame@ credit card accounts, we respond to all account-related questions.Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to yourconcerns.We understand from your complaint that Comenity Bank sent you a letter stating your payment was returned,and there was a fee of $added to the balanceYou called your financial institution and were advised thatno payment was returnedYou state that when you spoke with an associate of Comenity Bank, we advised itcould have been an error on your part, and the $20,returned payment fee wwld not be waivedYou weretold the late fee would be waived, but when you checked your account, you see it was notYou would like youraccount closed and the fee to be waived.Cornenity Bank's online Account Center is a great resource for our customers to manage their accounts andI'm disappointed to hear that you have had a bad experience with the site and Comenity BankI would behappy to talk with you and assist you with any concerns that you may be experiencing with Account Center orComenity Bank.I attempted to contact you on July 1, 2015; however, I reached your voicemail and left a messageI am happyto share my findings.Please be advised that the payment you remitted via Account Center on May 20, 5, for $was returnedto us as "unable to locate"This will occur if an incorrect routing or account number are enteredAddittonally,please understand, if incorrect account information is entered, your financtal institution would have no record ofthe paymentThis payment was debited back to your account, along with a $returned payment feeIn the interest of customer service, I have issued credit for the returned payment fee of $20.00, as a one-timecourtesyNo late fees have been assessed to your account.We are sorry you wish to close your 6rylaneHome-B account, as you are a valued customerHowever, asrequested, the account was closed on July 2, 2015.I hope you have found this information to be helpful Should you have any additional questions, please do nothesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assistyou.Sincerely, [redacted] ***Consumer Relations
This is a totally unacceptable responseIt's your mistake that the even approved it in the first place, and you want to punish the consumer for their actionsI respectfully decline your response, as they have declined my requestAlso, with all due respect, you people are incompetent, and can shove your cardsI am done doing business with you peopleI don't want any further contact about thisI would like to have this marked as closed, and dissatisfied, by the Revdex.com.Regards, [redacted] ***
Dear Mr [redacted] We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above Comenity Bank issues and services The RoomPlace® credit card accounts Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand your concerns regarding charges billed to your account for the Chargegard Plus insurance program Chargegard Plus is an optional product that is offered to The RoomPlace customers Our records indicate that you elected to be enrolled into Chargegard Plus on April 29, 2012, when your application was submitted In the optional insurance program section of the application you included your initials, date of birth, and submission date A copy of the application is enclosed for your reference We value your loyalty as a customer and in the interest of customer service; the Bank has issued additional credits totaling $for all of the Chargegard Plus fees that were assessed to the account Also, a credit for $was applied to your account to remove the interest charges associated with the Chargegard Plus feesWe apologize for any inconvenience this matter may have caused you We look forward to the opportunity to continue to service your The RoomPlace® credit card account If 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 you.Sincerely, Ashley H [redacted]
Dear [redacted] We have received the complaint regarding the above-noted accountComenity CapitalBank issues Ideal Imagecredit accounts, and we respond to all account-related concernsYour complaint, addressed to the BetterBusiness Bureau, was forwarded to my attention, and I appreciate the opportunity to assist you.In your complaint, you state that you financed laser treatments on your Ideal Image account and it was placedon an interest free plan; however, you were not aware that the promotional plan was for monthsFurthermore,you state that you were not advised that if the balance was not paid in full, your account would be assessed theaccrued finance chargeYou are requesting that the accrued finance charge assessed to your account bewaivedI understand your concerns and apologize for any inconvenience or frustration this matter may havecaused you.Our records indicate that on November 15, 2014, a purchase of $2,posted to your account and was placedon an 18-month deferred interest, payment required plan that was set to expire on May 18, For purchaseson these plans, the customer is required to make payments on the promotional plan balance based on thestandard repayment terms for their accountInterest is accrued (calculated, but not added to the balance) and ifthe balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from thedate of the original purchase, will be added to the deferred balance, and this balance will be moved to thecustomer’s revolving balancePlease be advised that the information regarding your promotional plans appearedon your monthly billing statements, under the heading, “details of your plans”I have enclosed your billingstatements for your review.Please be advised that a statement was issued to you on May 12, 2016, showing a balance of $with aminimum payment of $due by June 7, Under the “details of your plans” section of your statement, itstated that the promotional balance of $needed to be paid by May 18, 2016, to avoid the accrued financechargeAs a result of the promotional balance not being paid in full by the plan expiration date, the accruedinterest of $was assessed to your account on May 18, 2016, and the remaining promotional balance of$was moved to revolving, which is subject to monthly finance charges.Comenity Capital Bank did not find any errors with the account; therefore, we are unwilling to remove any fees,as they are valid.We hope that this information is helpfulShould you have any additional questions or concerns, please do nothesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happyto assist you.Sincerely,Jenny W***
Dear Ms [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you purchased a bra from your LANE BRYANT retail store You then fell ill and were hospitalized While you were in the hospital your account was assessed late fees You also indicate after being released from the hospital you placed a call to the Bank and were told that the Bank would credit half of the late fee assessed to the account in the amount of $ Additionally, you state that you placed another call to the Bank and were advised that all fees would be removed You are requesting to have all fees removed, and your credit file updated to show no delinquencies We sincerely apologize for any confusion or inconvenience this matter has caused you I am happy to share my findings.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.Due to the non-receipt of statements, credits totaling $for the late fees and finance charges that were assessed to the account due to the non-receipt of statements Additionally, your credit limit has been reinstated back to the original credit limit of $Please be assured, notification was sent to the national credit-reporting agencies, with instructions to delete the negative payment information regarding the LANE BRYANT account Please allow the credit-reporting agencies days to update their records.Enclosed please find copies of the monthly billing statements, for your records.We value you as a customer, and we hope you are feeling better If you have any further questions about your account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, Renee S***
This is not helping the situation of your company collecting interest and adding fees to the account each month despite the fact I hadn't received account information how my supposed to pay fees when I haven't even gotten a bill in the mail I just got the first email Bill today I did not get any bills during that time and you feel that even though I was notified about the bills it's okay to charge her for those months that she didn'tget notified about a bill and interest charges so I'm not willing to pay that not at all you're going to have to meet me somewhere otherwise this will escalate to small claims court or in other some form not to threaten it you have lawyers I understand that's what they're there for but again I was a very loyal customer which you don't get notified about a bill and interest charges so I'm not willing to pay that not at all you're going to have to meet me somewhere otherwise this will escalate to small claims court or in other some form not to threaten it you have lawyers I understand that's what they're there for Please submit me an offer about these late fees and then will will talk Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the Roaman’s credit cardWe are here to answer your questions and assist with your concerns We understand from your additional complaint that you do not understand why you owe $45.01, that when you returned the items the representative advised that it would be free of chargeYou state you are willing to send $and no moreWe apologize for the inconvenience you have experienced regarding this matter As previously advised, Comenity Bank and Roaman’s are two separate entitiesThe Bank issues and is responsible for addressing questions related to the Roaman’s credit card account, while Roaman’s is responsible for handling matters related to sales, merchandise processing, returns, shipping and handling, and Smart Label fees We have contacted Roaman’s on your behalf and we have been advised that the two orders placed did not have free shipping and handlingPlease be advised that when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handlingWhen the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refundedAdditionally, if you use the Smart Label for the return, your account is billed $for the cost of the return shipping The balance on your account of $45.01, consists of two Smart Label fees of $7.50, plus the original shipping and handling cost of $from your first order, and $for the original shipping and handling from the second orderThe balance on your account is valid If you have any additional questions regarding shipping and handling, we suggest you contact Roaman’s at [redacted] I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the Victoria’s Secret Angel credit card We are here to answer your questions and assist with your concernsWe understand from your complaint, addressed to the Revdex.com, on behalf of your wife Your state that you called the Bank to request that a late fee of $be removed from you wife’s account You state during the conversation with the Bank you were advised that the Bank was unable to speak to you regarding this account due to you were not the accountholder on the account At that time you advised that your wife was busy working and could not make the call You requested to speak to a supervisor and was transferred at that time During this conversation you were also told that due to you were not the accountholder on the account the Bank was unable to discuss the account with you and again was advised to have the accountholder reach out to the Bank to discuss the accountPlease be advised that the Bank is unable to speak to you or make any changes on the account as you are not the primary accountholder Please have your wife contact the Bank to discuss the account or request the late fee removalI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Renee S***
Dear Ms [redacted] We are in receipt of your complaint regarding the above-referenced accountComenity Bank issuesdressbarn credit card accounts, and we respond to all account-related questionsYour complaint,addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunityto respond to your concerns.We understand from your complaint, you made two payments to Cornenity Bank and received confirmationnumbers for both paymentsHowever, both payments were returnedYou were originally contacted byComenity Bank on June 24, 2016, advising that your payment scheduled on June 10, 2016, for $45.00,was returnedYou were advised the bank account number ending in 2970, was entered incorrectly, causingthe payment not to be processedYou state you made another payment of $45.00, with our representative,and received a second confirmation number for the paymentHowever, this payment was also returned.To ensure your payment would post to your account, you chose to make your next payment at the dressbarnretail storeIn the meanwhile, you received a letter from Cornenity Bank stating your dressbarn credit cardaccount was frozen due to the two returned paymentsYou then contacted Comenity Bank to discuss thismatter, and were advised that your account had been correctedLater that week, you received anotherletter from Comenity Bank advising fees resulting from this matter, had been removedYou later tried toutilize your dressbarn credit card account for purchases and your purchases were declinedYou wereadvised that your card was declined due to payments being returned on your account.Lastly, you state you were advised by our representative, that you would receive documentation advisingwhy the dressbarn payments had been returnedWhile waiting for this information, your bank informedyou that a payment from Comenity Bank was never received or returned from their office.You are requesting Comenity Bank provide you with documentation that your bank returned both of yourpaymentsAlso, you are requesting Comenity Bank reestablish your dressbarn credit card account.We apologize for the inconvenience and frustration this matter may have caused youPlease be assured,Comenity Bank has reviewed and investigated the concerns in your complaint as well as the applicabletelephone conversations.Our findings show that your payment scheduled on June 10, 2016, through our Interactive Voice Responsesystem, was entered with the incorrect bank account numberAdditionally, the payment scheduled on June24, 2016, with a Bank representative, was also returned due to an incorrect bank account numberPleasenote, your payments were not returned due to insufficient fundsThe payments were returned becausewhen we presented the payments to [redacted] , they were unable to locate the account numberprovidedTherefore, when you asked your bank about any returned payments, they had no record of thepayments being presented, as they were not presented with your bank account numberPlease understandthat communication with your bank was done electronically; therefore, we are unable to provide you withthe notification from your bank regarding the inability to locate an account with the information provided.Please note, in the interest of customer service, all fees resulting from this matter have been credited backto your accountAdditionally, all restrictions resulting from this matter have been removed, and accountutility has been restored.You are a valued customer, and I hope you find this information to be helpfulShould you have additionalquestions or concerns about the account, please contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####)I would be happy to assist you.Sincerely,Geanine M***
Dear [redacted] We received the complaint that you sent to the Revdex.com, regarding the above-noted accountsComenity Bank issues ANN TAYLOR and ANN TAYLOR MasterCard® accounts, and we are here to help with your account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns We understand your concerns as explained in your correspondence You upgraded your ANN TAYLOR credit card to an ANN TAYLOR MasterCard® and the ANN TAYLOR credit card should have been cancelled You state that charges were applied to both accounts on the same day and that mathematical errors were made, regarding the balance transfer from the ANN TAYLOR account to the ANN TAYLOR MasterCard® accountIn addition, when speaking with Bank representatives, you asked for a manager; as your concerns were unresolved You request that we correct your account and your credit report On behalf of the Bank, I sincerely apologize for the frustration and inconvenience you have experienced as a result of this matter Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns; as we review all complaints made to help enhance the customer experience Comenity Bank strives to provide each of our customers with an excellent customer service experience, and we are disappointed when a customer receives less than that Our records indicate the ANN TAYLOR credit card account, ending in ***, was opened on April 18, 2014, and on May 21, 2016, the ANN TAYLOR MasterCard® account, ending in ***, was opened Use of the accounts, or failure to close the accounts within days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees Please be assured the application disclaimer advises, if a customer currently has an ANN TAYLOR credit card, when submitting the application, they are requesting an ANN TAYLOR 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 MasterCard® account On May 21, 2016, the same day the ANN TAYLOR MasterCard® account was opened, two retail purchases were applied to the account, in the amounts of $and $ In addition, two retail returns were applied to your ANN TAYLOR account, in the amounts of ($52.19) and ($112.79)Our records further indicate two balance transfers were made A transfer of $was completed on June 2, 2016, and on June 4, 2016, $was transferred These amounts were credited from the ANN TAYLOR account, and debited to the ANN TAYLOR MasterCard® account, which was part of the Bank’s consolidation of the two accounts As a result, the ANN TAYLOR account balance became zero and the account was closed on June 5, 2016; this information was reported to your credit report and no negative payment information was reported to the national credit-reporting agenciesOn June 5, 2016, a confirmation letter was mailed to you, advising that these accounts were consolidatedAfter the closure of the ANN TAYLOR account, on June 14, 2016, a payment of $was received The payment created a credit balance of $30.79, and a refund check was issued to you on July 26, The ANN TAYLOR MasterCard® account billed on June 2, 2016, with a balance of $and a minimum payment of $due by June 28, Subsequent billing statements were issued, and as no payments have been received, the account was assessed late fees and finance charges, in accordance with the CCA, and the account became three billing cycles (60-days) past due Because of the consolidation of the accounts, and in the interest of customer service, I have issued a credit to the ANN TAYLOR MasterCard® account totaling $ This credit removes the late fees and the $finance charge that was assessed to the account The adjustments will reflect on your next billing statement Additionally, I have removed the past due amount and your next payment will be due on October 28, Please be assured that notification was sent to the national credit-reporting agencies with instructions to delete the delinquencies that were reported, regarding the ANN TAYLOR MasterCard® account Please allow days for the agencies to update their records Enclosed, please find copies of the ANN TAYLOR and ANN TAYLOR MasterCard® monthly billing statements, which show the account activityPer your request, the ANN TAYLOR MasterCard® account was closed on July 17, Although you requested your account closed, we hope that you will continue to shop with Ann TaylorAgain, I apologize for the inconvenience, and hope this information is helpful Should you have any questions or concerns, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Tionna M [redacted]
Dear [redacted] : We have received the complaint addressed to the Revdex.com, regarding the above-noted accountComenity Capital Bank issues Ideal Image® VIP credit accounts, and we are here to help with your account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns In reviewing your complaint, the Bank understands that you wish to cancel your agreement with Ideal ImageFurthermore, you wish to have this debt canceled so it does not affect your credit historyWe apologize for any frustration or inconvenience this situation may have caused you Please be advised that Comenity Capital Bank and Ideal Image are separate entitiesThe Bank is responsible for addressing questions related to the Ideal Image® VIP credit account, while Ideal Image is responsible for addressing concerns regarding treatments, charges, and refunds Bank records show that a charge of $6,posted to your account on December 27, The purchase was placed on a month deferred interest, equal payment required plan, expiring December 29, Purchases on this plan will accrue interest, but the interest will not be added to the account if the purchase is paid in full before the end of the promotional periodThe customer is required to make equal monthly payments during the promotional periodFor example, if the customer’s purchase is $1,and the plan lasts for months, the customer is required to make an equal payment of $each monthThis information is provided to you on each of your billing statements under the “Details of your plan” sectionI have enclosed your billing statements for your review Please be assured that the Bank reached out to Ideal Image regarding the charge of $6,265.80, and they advised that you have been seen for three appointmentsFurthermore, if you wish to not be seen anymore, Ideal Image requests that you sign a refund agreement to receive a refund for the treatments you have not receivedPlease contact Ideal Image directly regarding the refundI have enclosed the sales agreement for your review as well As of today’s date, the balance on your Ideal Image® VIP account is $5,235.80, with a minimum payment of $due by August 7, We hope that the information provided is helpfulShould you have any additional questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you Sincerely, Jenny W [redacted]
I am rejecting this response because: The matter has not been resolved, as stated in their PDF it may take them days to resolve As you can see with the attachments I attached above, I clearly paid the balance in FULL by the expiration date This should really be a cut and dry case and should take no longer than hours Regards, [redacted]
Dear [redacted] Comenity Capital Bank has received your correspondence, on behalf of your husband, [redacted] , regarding the above-referenced credit card accountComenity Capital Bank issues the Zales credit cardWe are here to answer your questions and assist with your concerns.We understand your concerns explained in the complaintPlease be aware, as you are not the primary accountholder and the Bank does not have documentation that you have Power of Attorney over [redacted] , we are unable to assist you with your request and/or make changes to the accountAs such, we are responding directly to [redacted] , the primary accountholder.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***
In your response, you indicated that both payments were returned because an incorrect account number was entered Who entered the incorrect number? Your representatives You never admitted fault nor offered any way to express your efforts to retain me as a customer Regards, [redacted]
Asking for me to send personal information which they already possess through the mail like my address, account numbers and social security is just another stalling techniqueHow many people by the name of [redacted] & [redacted] that sent them over $twice do they have? Just more fraudulent tactics by a fraudulent bank
Hi,I’m writing to follow up on the complaint number [redacted] Its been too long since the business asked for an extension on timeI’m planning to sue them in court if they don’t respond positively so please let me know when their clock to respond runs out.Thanks [redacted] ###-###-####
We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountAs the bank that issues VICTORIA’S SECRET credit cards, we are here to help answer all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist youWe understand your concerns regarding the late fee and the credit-reporting information for your VICTORIA’S SECRET accountWe also understand that you believed you were set up on auto payments, but found that the payments are a one-time payment scheduled on the Bank’s Account CenterPlease accept our apology for any confusion or inconvenience this may have causedAfter a thorough investigation of the VICTORIA’S SECRET account, our records indicate that you logged into Account Center on August 7, 2016, and updated your personal banking informationAs VICTORIA’S SECRET does not offer an auto payment option online, you were not enrolled in auto paymentsAs you are enrolled to receive paperless statements; since March 30, 2016, you were sent a statement ready email notification on August 21, 2016, and September 20, The emails were sent to the email address you provided at registration; [email protected] August statement reflected a balance of $for the purchase you made on August 12, A payment for $was due by September 12, As payment was not received, the account was charged a late fee of $On September 30, 2016, you logged into Account Center and scheduled a payment for $68.56, which included the late fee chargeAs of today’s date, the account balance is zeroPlease be assured that although the payment was late, it was not or more days late; therefore, Comenity Bank has not reported the VICTORIA’S SECRET credit card account as delinquent to the credit-reporting companiesYou are a valued customer and we hope you found this information to be helpfulIf you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Shawnda Y***
I am rejecting this response because:Their response fails to address their company's complete lack of professional conduct towards me, and their pattern of harassment and intimidationThe response also suggests I need to provide them with confidential, personal information which if one understands the nature of the complaint in the first place one would understand why that information is not being provided! In addition, I was told by a company employee, a woman named "T" who refused to provide her last name, that there must be a problem with my credit reportI can assure you there are no inaccuracies with my credit report Regards, [redacted]
Dear Ms [redacted] :We received your complaint submitted to the Revdex.com regarding the above-referenced account.As the bank that issues BrylaneHame@ credit card accounts, we respond to all account-related questions.Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to yourconcerns.We understand from your complaint that Comenity Bank sent you a letter stating your payment was returned,and there was a fee of $added to the balanceYou called your financial institution and were advised thatno payment was returnedYou state that when you spoke with an associate of Comenity Bank, we advised itcould have been an error on your part, and the $20,returned payment fee wwld not be waivedYou weretold the late fee would be waived, but when you checked your account, you see it was notYou would like youraccount closed and the fee to be waived.Cornenity Bank's online Account Center is a great resource for our customers to manage their accounts andI'm disappointed to hear that you have had a bad experience with the site and Comenity BankI would behappy to talk with you and assist you with any concerns that you may be experiencing with Account Center orComenity Bank.I attempted to contact you on July 1, 2015; however, I reached your voicemail and left a messageI am happyto share my findings.Please be advised that the payment you remitted via Account Center on May 20, 5, for $was returnedto us as "unable to locate"This will occur if an incorrect routing or account number are enteredAddittonally,please understand, if incorrect account information is entered, your financtal institution would have no record ofthe paymentThis payment was debited back to your account, along with a $returned payment feeIn the interest of customer service, I have issued credit for the returned payment fee of $20.00, as a one-timecourtesyNo late fees have been assessed to your account.We are sorry you wish to close your 6rylaneHome-B account, as you are a valued customerHowever, asrequested, the account was closed on July 2, 2015.I hope you have found this information to be helpful Should you have any additional questions, please do nothesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assistyou.Sincerely, [redacted] ***Consumer Relations
This is a totally unacceptable responseIt's your mistake that the even approved it in the first place, and you want to punish the consumer for their actionsI respectfully decline your response, as they have declined my requestAlso, with all due respect, you people are incompetent, and can shove your cardsI am done doing business with you peopleI don't want any further contact about thisI would like to have this marked as closed, and dissatisfied, by the Revdex.com.Regards, [redacted] ***
In phone communication to Revdex.com, consumer stated the complaint is solved, money was sent back to her debit account
Dear Mr [redacted] We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above Comenity Bank issues and services The RoomPlace® credit card accounts Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand your concerns regarding charges billed to your account for the Chargegard Plus insurance program Chargegard Plus is an optional product that is offered to The RoomPlace customers Our records indicate that you elected to be enrolled into Chargegard Plus on April 29, 2012, when your application was submitted In the optional insurance program section of the application you included your initials, date of birth, and submission date A copy of the application is enclosed for your reference We value your loyalty as a customer and in the interest of customer service; the Bank has issued additional credits totaling $for all of the Chargegard Plus fees that were assessed to the account Also, a credit for $was applied to your account to remove the interest charges associated with the Chargegard Plus feesWe apologize for any inconvenience this matter may have caused you We look forward to the opportunity to continue to service your The RoomPlace® credit card account If 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 you.Sincerely, Ashley H [redacted]
Dear [redacted] We have received the complaint regarding the above-noted accountComenity CapitalBank issues Ideal Imagecredit accounts, and we respond to all account-related concernsYour complaint, addressed to the BetterBusiness Bureau, was forwarded to my attention, and I appreciate the opportunity to assist you.In your complaint, you state that you financed laser treatments on your Ideal Image account and it was placedon an interest free plan; however, you were not aware that the promotional plan was for monthsFurthermore,you state that you were not advised that if the balance was not paid in full, your account would be assessed theaccrued finance chargeYou are requesting that the accrued finance charge assessed to your account bewaivedI understand your concerns and apologize for any inconvenience or frustration this matter may havecaused you.Our records indicate that on November 15, 2014, a purchase of $2,posted to your account and was placedon an 18-month deferred interest, payment required plan that was set to expire on May 18, For purchaseson these plans, the customer is required to make payments on the promotional plan balance based on thestandard repayment terms for their accountInterest is accrued (calculated, but not added to the balance) and ifthe balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from thedate of the original purchase, will be added to the deferred balance, and this balance will be moved to thecustomer’s revolving balancePlease be advised that the information regarding your promotional plans appearedon your monthly billing statements, under the heading, “details of your plans”I have enclosed your billingstatements for your review.Please be advised that a statement was issued to you on May 12, 2016, showing a balance of $with aminimum payment of $due by June 7, Under the “details of your plans” section of your statement, itstated that the promotional balance of $needed to be paid by May 18, 2016, to avoid the accrued financechargeAs a result of the promotional balance not being paid in full by the plan expiration date, the accruedinterest of $was assessed to your account on May 18, 2016, and the remaining promotional balance of$was moved to revolving, which is subject to monthly finance charges.Comenity Capital Bank did not find any errors with the account; therefore, we are unwilling to remove any fees,as they are valid.We hope that this information is helpfulShould you have any additional questions or concerns, please do nothesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happyto assist you.Sincerely,Jenny W***
Dear Ms [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you purchased a bra from your LANE BRYANT retail store You then fell ill and were hospitalized While you were in the hospital your account was assessed late fees You also indicate after being released from the hospital you placed a call to the Bank and were told that the Bank would credit half of the late fee assessed to the account in the amount of $ Additionally, you state that you placed another call to the Bank and were advised that all fees would be removed You are requesting to have all fees removed, and your credit file updated to show no delinquencies We sincerely apologize for any confusion or inconvenience this matter has caused you I am happy to share my findings.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.Due to the non-receipt of statements, credits totaling $for the late fees and finance charges that were assessed to the account due to the non-receipt of statements Additionally, your credit limit has been reinstated back to the original credit limit of $Please be assured, notification was sent to the national credit-reporting agencies, with instructions to delete the negative payment information regarding the LANE BRYANT account Please allow the credit-reporting agencies days to update their records.Enclosed please find copies of the monthly billing statements, for your records.We value you as a customer, and we hope you are feeling better If you have any further questions about your account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, Renee S***
This is not helping the situation of your company collecting interest and adding fees to the account each month despite the fact I hadn't received account information how my supposed to pay fees when I haven't even gotten a bill in the mail I just got the first email Bill today I did not get any bills during that time and you feel that even though I was notified about the bills it's okay to charge her for those months that she didn'tget notified about a bill and interest charges so I'm not willing to pay that not at all you're going to have to meet me somewhere otherwise this will escalate to small claims court or in other some form not to threaten it you have lawyers I understand that's what they're there for but again I was a very loyal customer which you don't get notified about a bill and interest charges so I'm not willing to pay that not at all you're going to have to meet me somewhere otherwise this will escalate to small claims court or in other some form not to threaten it you have lawyers I understand that's what they're there for Please submit me an offer about these late fees and then will will talk Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the Roaman’s credit cardWe are here to answer your questions and assist with your concerns We understand from your additional complaint that you do not understand why you owe $45.01, that when you returned the items the representative advised that it would be free of chargeYou state you are willing to send $and no moreWe apologize for the inconvenience you have experienced regarding this matter As previously advised, Comenity Bank and Roaman’s are two separate entitiesThe Bank issues and is responsible for addressing questions related to the Roaman’s credit card account, while Roaman’s is responsible for handling matters related to sales, merchandise processing, returns, shipping and handling, and Smart Label fees We have contacted Roaman’s on your behalf and we have been advised that the two orders placed did not have free shipping and handlingPlease be advised that when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handlingWhen the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refundedAdditionally, if you use the Smart Label for the return, your account is billed $for the cost of the return shipping The balance on your account of $45.01, consists of two Smart Label fees of $7.50, plus the original shipping and handling cost of $from your first order, and $for the original shipping and handling from the second orderThe balance on your account is valid If you have any additional questions regarding shipping and handling, we suggest you contact Roaman’s at [redacted] I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the Victoria’s Secret Angel credit card We are here to answer your questions and assist with your concernsWe understand from your complaint, addressed to the Revdex.com, on behalf of your wife Your state that you called the Bank to request that a late fee of $be removed from you wife’s account You state during the conversation with the Bank you were advised that the Bank was unable to speak to you regarding this account due to you were not the accountholder on the account At that time you advised that your wife was busy working and could not make the call You requested to speak to a supervisor and was transferred at that time During this conversation you were also told that due to you were not the accountholder on the account the Bank was unable to discuss the account with you and again was advised to have the accountholder reach out to the Bank to discuss the accountPlease be advised that the Bank is unable to speak to you or make any changes on the account as you are not the primary accountholder Please have your wife contact the Bank to discuss the account or request the late fee removalI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Renee S***
Dear Ms [redacted] We are in receipt of your complaint regarding the above-referenced accountComenity Bank issuesdressbarn credit card accounts, and we respond to all account-related questionsYour complaint,addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunityto respond to your concerns.We understand from your complaint, you made two payments to Cornenity Bank and received confirmationnumbers for both paymentsHowever, both payments were returnedYou were originally contacted byComenity Bank on June 24, 2016, advising that your payment scheduled on June 10, 2016, for $45.00,was returnedYou were advised the bank account number ending in 2970, was entered incorrectly, causingthe payment not to be processedYou state you made another payment of $45.00, with our representative,and received a second confirmation number for the paymentHowever, this payment was also returned.To ensure your payment would post to your account, you chose to make your next payment at the dressbarnretail storeIn the meanwhile, you received a letter from Cornenity Bank stating your dressbarn credit cardaccount was frozen due to the two returned paymentsYou then contacted Comenity Bank to discuss thismatter, and were advised that your account had been correctedLater that week, you received anotherletter from Comenity Bank advising fees resulting from this matter, had been removedYou later tried toutilize your dressbarn credit card account for purchases and your purchases were declinedYou wereadvised that your card was declined due to payments being returned on your account.Lastly, you state you were advised by our representative, that you would receive documentation advisingwhy the dressbarn payments had been returnedWhile waiting for this information, your bank informedyou that a payment from Comenity Bank was never received or returned from their office.You are requesting Comenity Bank provide you with documentation that your bank returned both of yourpaymentsAlso, you are requesting Comenity Bank reestablish your dressbarn credit card account.We apologize for the inconvenience and frustration this matter may have caused youPlease be assured,Comenity Bank has reviewed and investigated the concerns in your complaint as well as the applicabletelephone conversations.Our findings show that your payment scheduled on June 10, 2016, through our Interactive Voice Responsesystem, was entered with the incorrect bank account numberAdditionally, the payment scheduled on June24, 2016, with a Bank representative, was also returned due to an incorrect bank account numberPleasenote, your payments were not returned due to insufficient fundsThe payments were returned becausewhen we presented the payments to [redacted] , they were unable to locate the account numberprovidedTherefore, when you asked your bank about any returned payments, they had no record of thepayments being presented, as they were not presented with your bank account numberPlease understandthat communication with your bank was done electronically; therefore, we are unable to provide you withthe notification from your bank regarding the inability to locate an account with the information provided.Please note, in the interest of customer service, all fees resulting from this matter have been credited backto your accountAdditionally, all restrictions resulting from this matter have been removed, and accountutility has been restored.You are a valued customer, and I hope you find this information to be helpfulShould you have additionalquestions or concerns about the account, please contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####)I would be happy to assist you.Sincerely,Geanine M***
Dear [redacted] We received the complaint that you sent to the Revdex.com, regarding the above-noted accountsComenity Bank issues ANN TAYLOR and ANN TAYLOR MasterCard® accounts, and we are here to help with your account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns We understand your concerns as explained in your correspondence You upgraded your ANN TAYLOR credit card to an ANN TAYLOR MasterCard® and the ANN TAYLOR credit card should have been cancelled You state that charges were applied to both accounts on the same day and that mathematical errors were made, regarding the balance transfer from the ANN TAYLOR account to the ANN TAYLOR MasterCard® accountIn addition, when speaking with Bank representatives, you asked for a manager; as your concerns were unresolved You request that we correct your account and your credit report On behalf of the Bank, I sincerely apologize for the frustration and inconvenience you have experienced as a result of this matter Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns; as we review all complaints made to help enhance the customer experience Comenity Bank strives to provide each of our customers with an excellent customer service experience, and we are disappointed when a customer receives less than that Our records indicate the ANN TAYLOR credit card account, ending in ***, was opened on April 18, 2014, and on May 21, 2016, the ANN TAYLOR MasterCard® account, ending in ***, was opened Use of the accounts, or failure to close the accounts within days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees Please be assured the application disclaimer advises, if a customer currently has an ANN TAYLOR credit card, when submitting the application, they are requesting an ANN TAYLOR 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 MasterCard® account On May 21, 2016, the same day the ANN TAYLOR MasterCard® account was opened, two retail purchases were applied to the account, in the amounts of $and $ In addition, two retail returns were applied to your ANN TAYLOR account, in the amounts of ($52.19) and ($112.79)Our records further indicate two balance transfers were made A transfer of $was completed on June 2, 2016, and on June 4, 2016, $was transferred These amounts were credited from the ANN TAYLOR account, and debited to the ANN TAYLOR MasterCard® account, which was part of the Bank’s consolidation of the two accounts As a result, the ANN TAYLOR account balance became zero and the account was closed on June 5, 2016; this information was reported to your credit report and no negative payment information was reported to the national credit-reporting agenciesOn June 5, 2016, a confirmation letter was mailed to you, advising that these accounts were consolidatedAfter the closure of the ANN TAYLOR account, on June 14, 2016, a payment of $was received The payment created a credit balance of $30.79, and a refund check was issued to you on July 26, The ANN TAYLOR MasterCard® account billed on June 2, 2016, with a balance of $and a minimum payment of $due by June 28, Subsequent billing statements were issued, and as no payments have been received, the account was assessed late fees and finance charges, in accordance with the CCA, and the account became three billing cycles (60-days) past due Because of the consolidation of the accounts, and in the interest of customer service, I have issued a credit to the ANN TAYLOR MasterCard® account totaling $ This credit removes the late fees and the $finance charge that was assessed to the account The adjustments will reflect on your next billing statement Additionally, I have removed the past due amount and your next payment will be due on October 28, Please be assured that notification was sent to the national credit-reporting agencies with instructions to delete the delinquencies that were reported, regarding the ANN TAYLOR MasterCard® account Please allow days for the agencies to update their records Enclosed, please find copies of the ANN TAYLOR and ANN TAYLOR MasterCard® monthly billing statements, which show the account activityPer your request, the ANN TAYLOR MasterCard® account was closed on July 17, Although you requested your account closed, we hope that you will continue to shop with Ann TaylorAgain, I apologize for the inconvenience, and hope this information is helpful Should you have any questions or concerns, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Tionna M [redacted]
Dear [redacted] : We have received the complaint addressed to the Revdex.com, regarding the above-noted accountComenity Capital Bank issues Ideal Image® VIP credit accounts, and we are here to help with your account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns In reviewing your complaint, the Bank understands that you wish to cancel your agreement with Ideal ImageFurthermore, you wish to have this debt canceled so it does not affect your credit historyWe apologize for any frustration or inconvenience this situation may have caused you Please be advised that Comenity Capital Bank and Ideal Image are separate entitiesThe Bank is responsible for addressing questions related to the Ideal Image® VIP credit account, while Ideal Image is responsible for addressing concerns regarding treatments, charges, and refunds Bank records show that a charge of $6,posted to your account on December 27, The purchase was placed on a month deferred interest, equal payment required plan, expiring December 29, Purchases on this plan will accrue interest, but the interest will not be added to the account if the purchase is paid in full before the end of the promotional periodThe customer is required to make equal monthly payments during the promotional periodFor example, if the customer’s purchase is $1,and the plan lasts for months, the customer is required to make an equal payment of $each monthThis information is provided to you on each of your billing statements under the “Details of your plan” sectionI have enclosed your billing statements for your review Please be assured that the Bank reached out to Ideal Image regarding the charge of $6,265.80, and they advised that you have been seen for three appointmentsFurthermore, if you wish to not be seen anymore, Ideal Image requests that you sign a refund agreement to receive a refund for the treatments you have not receivedPlease contact Ideal Image directly regarding the refundI have enclosed the sales agreement for your review as well As of today’s date, the balance on your Ideal Image® VIP account is $5,235.80, with a minimum payment of $due by August 7, We hope that the information provided is helpfulShould you have any additional questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you Sincerely, Jenny W [redacted]
they didn't really settle or adjust any of the interest paid on the card for the period thats was paid
I am rejecting this response because: The matter has not been resolved, as stated in their PDF it may take them days to resolve As you can see with the attachments I attached above, I clearly paid the balance in FULL by the expiration date This should really be a cut and dry case and should take no longer than hours Regards, [redacted]
Dear [redacted] Comenity Capital Bank has received your correspondence, on behalf of your husband, [redacted] , regarding the above-referenced credit card accountComenity Capital Bank issues the Zales credit cardWe are here to answer your questions and assist with your concerns.We understand your concerns explained in the complaintPlease be aware, as you are not the primary accountholder and the Bank does not have documentation that you have Power of Attorney over [redacted] , we are unable to assist you with your request and/or make changes to the accountAs such, we are responding directly to [redacted] , the primary accountholder.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***
In your response, you indicated that both payments were returned because an incorrect account number was entered Who entered the incorrect number? Your representatives You never admitted fault nor offered any way to express your efforts to retain me as a customer Regards, [redacted]