Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Marathon credit cardWe are here to answer your questions and assist with yourconcerns.We understand from your complaint, address to the Revdex.com, that you assumed by addingyour banking information on our Account Center, that automatic payments would be set upYou found thatthis was not the case, and the account was assessed a late feeYou state you made the payment anddestroyed the Marathon credit cardAfter receiving an email advising you that the account still had abalance of $34.00, you reached out to the Bank and were advised that the balance was a late feeYou arerequesting the account closed and the late fee removed.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.Although we found no billing errors on the Bank’s part, as a courtesy, a credit of $have been appliedto the account for the late fee and finance assessed to the account due to this matterThis credit will bringthe account balance to zero.On March 9, 2017, the account was closed per your request.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
We are in receipt of your complaint regarding the above-referenced accountCornenity Bank issuesStage credit card accounts, and we respond to all account-related questionsYour complaint,addressed to the Revdex.com, was forwarded to my attention, and appreciate theopportunity to respond to your concerns.We understand from your complaint, you have Stage, Goody's, and Lane Bryant credit card accountswith Comenity Bank, which are all in the Hardship ProgramYou contacted Cornenity Bank onSeptember 27, 2016, and requested to change your personal checking account information to yournew account informationThe representative advised that only your Goody's and Lane Bryant creditcard accounts were enrolled in the hardship program, and updated the checking account informationon those accountsHowever, your Stage account was also enrolled, and payments continued to bewithdrawn from your old personal checking account, which has placed that account in a negativestatusYou are requesting Comenity Bank to refund your account, and bring your account current.We have reviewed the issues in your complaint, as well as the applicable telephone conversations.We apologize that the checking account information was not properly updated on your Stage account.Please be assured, as of October 31, 2016, your checking account information was updated on yourStage account.Please be assured, on December 8, 2016, a credit was issued to your Stage account in the amountof $for the previously assessed returned check fee.Your complaint also mentions fees which were assessed by your personal banking institutionPleasecontact me at the number below to discuss this matter.I hope you find this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####, ext [redacted] (TDDTPTY ###-###-####)I would be happy toassist you
If the the audio tape was reviewed, than somebody would have heard MrM [redacted] say over the phone that I am only supposed to be charged $1,dollars How I am at fault? MrM [redacted] is very clear about itYour own customer service agent did not understand how it was possibleShe repeatedly told him that another charge was shown in your systemMrM [redacted] than proceed to tell us to contact bank of [redacted] cause maybe it was their faultI just want an explanation how after listening to the tapes, how is my verdict not justifiedIt is clearly stated by merchant what the charge was supposed to beWhat other evidence do I need to provide? Clearly there is mistake somewhereAll I am showed is copy of receipt during check in which includes amount for depositThere is no receipt for check outWhen returned the key the agents told me same thing as MrM***, the final charge is $1,How can I prevent this in future? Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountComenity Bank issues VICTORIA'S SECRET credit card accounts, and weare here to help answer your account-related questionsYour complaint, was forwarded to myattention, and I appreciate the opportunity to assist you.We understand that you requested to settle your account balance in April 4, 2016, in the amountof $477.89, and you were to receive a letter indicating the account was paid, closed, and reportedto the credit bureaus within daysAfter three months the changes have not been made andyour credit report continues to reflect an unpaid balanceYou are requesting the Bank correctyour credit report.Bank records indicate that the account was permanently closed as an unpaid debt on May 15,2015, and was sent to a third party collection agency, Professional Bureau of CollectionsAfterfurther research, please be assured that we have asked them to return the account to ComenityBank, and we updated our records with a "Closed Settlement" notationAdditionally, the nationalcredit-reporting agencies have been made aware of the changes that need to be made on yourcredit reportPlease allow them up to calendar days to update their records.You may keep this letter as confirmation of the settlement for your records.We sincerely apologize for the inconvenience this matter may have caused youIf you have anyfurther questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me Regards, [redacted] ***
Dear Ms [redacted] We received your additional complaint, addressed to the Revdex.com, regarding theaccount referenced aboveComenity Bank issues OLD PUEBLO TRADERS® credit cardaccounts, and we are here to assist you with all account-related questions or concernsIappreciate the opportunity to respond to your concerns.We understand from your additional complaint that you would like [redacted] Bank’s contactinformation so that you can contact them regarding the refundYou asked why Comenity Bankcannot request the refund.Thank you for speaking with me on November 1, Please find a summary of ourconversation below.Please be advised that Comenity Bank released the funds to [redacted] Bank on July 27, 2016.We no longer have these funds; as such, your bank would need to contact [redacted] Bank toreceive the refund.I spoke to [redacted] at [redacted] Bank on November 1, 2016, and provided her with referencenumber [redacted] , which identifies the specific transmission of funds from [redacted] Bank to [redacted] Bank.Additionally, we received a second confirmation number of [redacted] , which identifiesthe specific reference number for the funds that are located at [redacted] Bank[redacted] advised that she is reaching out to the adjustments area, they are researching the refunddetails, and she will provide you with a telephone call when she has more information.I hope that this information is helpfulShould you have any further questions regarding youraccount, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda R**
Comenity Bank received the complaint for [redacted] In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 07/05/Please let me know if this extension date is not approved
Dear [redacted] Thank you for contacting the Revdex.com regarding the above-referenced account As the bank that issues Victoria’s Secret Angel credit card accounts, we are here to assist you with your account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns I understand from your complaint that your personal information was used to open the above account without your permission and you would like them stopped We understand your concerns outlined in the Revdex.com complaint and apologize for any inconvenience this may have caused you We understand the frustration and burden this places on our customers After a thorough review of the account, our records indicate the above-referenced account was opened on April 7, 2015, by a mobile device At this time, the application would have asked for your personal information, including social security number and date of birth, along with your electronic permission to process the application Further records indicate a purchase for $was charged to the account on April 7, 2015, at the Bath & Body Works store, located in the [redacted] On April 20, 2015, our Account Protection (Fraud) team spoke to you regarding the account and mailed out a Statement of Fraud and Forgery (SOFF) Once you have received the SOFF, please ensure you fill out all the information possible and send back to the address listed on the SOFF Once our Account Protection team receives and processes the SOFF, a fraud investigation will be opened We will send you a letter to provide you with the case number, and another letter will be mailed at the conclusion of the investigation, which may take 60-days Meanwhile, should you have any additional questions regarding this account, you may contact Account Protection (Fraud) at ###-###-#### They will be happy to assist you with any questions you may have Also, we suggest that you contact the national credit-reporting agencies using the information below and place a fraud alert on your credit report While we are not able to stop someone from using your information, a fraud alert can prevent unauthorized applications from being approved xperian (TRW) TransUnion (TRU) Equifax (CBI) PO Box Experian ParkwayAllen, TX - ###-###-#### PO Box 390Springfield, PA - ###-###-#### PO Box 740241Atlanta, GA - 0241###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We hope you find this information helpful Should you have any other questions or concerns regarding this letter, please feel free to reach me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####); and I will be happy to assist you further Sincerely, [redacted]
February 23, [redacted] RE: The [redacted] Credit Card Account Ending In *** Revdex.com Complaint ID # [redacted] Dear [redacted] :Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the The [redacted] credit cardWe are here to answer your questions and assist with your concernsWe understand from your complaint, address to the Revdex.com, that you called Comenity Bank regarding a payment and late feeYou state that while speaking to the representative you were advised that your payment was received after the due date and the account was assessed a late feeAt that time the representative advised the late fee would be credited to your account as a courtesyAdditionally, you state that the representative never mentioned that you had a payment due, and stated that you were fineYou noticed that you have been assessed a second late feeYou are requesting credit be issued for the second late fee.We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe 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.After a thorough review of the account, our records indicate that a statement was issued to you December 18, 2016, with a balance of $and a minimum payment of $due on January 13, As no payment was received by the due date a late fee of $was assessed to the account per the Credit Card AgreementOn January 18, 2017, a statement was issued to you with a balance of $with a minimum payment of $on February 13, As no payment was received by the due date another late fee of $was assessed to the account.On February 15, 2017, a statement was issued to you with a balance of $with a minimum payment of $due on March 13, Enclosed are the statements mentioned above for you review.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.Please be advised that on February 13, 2017, credit was issued for a late fee of $27.00, the Bank is unwilling to credit another late fee at this timeThe Bank finds this fee to be validOn February 21, 2017, a payment of $was applied to the accountAs of the date of this letter, the account balance is zero.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your HSN credit cardaccountComenity Capital Bank issues HSN credit card accounts, and we respond to all account-relatedquestionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.We understand your from your complaint that you are concerned about the balance of your accountYoustate that you are consistently making the minimum payments; however, the balance has not decreased.Additionally, you have contacted Comenity Capital Bank requesting an itemized statement but the requestwas not honoredWe understand your concerns as explained in your correspondence, and we sincerelyapologize for any continued frustration or inconvenience you may have experienced.Please understand that Comenity Capital Bank and HSN are two separate entitiesThe Bank isresponsible for addressing questions related to the credit card account, while HSN is responsible forhandling matters related to sales, merchandise processing, returns and shipping.We have reviewed your HSN credit card account, and have enclosed a table which outlines yourstatement activity from February through January 6, including: purchases, payments, and bankfees assessed.In the interest of customer service, a late fee credit in the amount of $was credited to your accounton February 17, 2016.As of the date of this letter, the remaining balance on your HSN credit card account is $4,with aminimum payment of $0.00, due by March 12, Each month that the account has an unpaidbalance, a finance charge will be assessed at billingThe current APR for the HSN account is 26.99%.To avoid any additional finance charges, the account balance would need to be paid in fullThe Bankfinds the account balance to be valid.Additionally, customers who are experiencing financiat difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS), organization for assistanceTheir programs can provideoptions such as reducing the interest rate and the minimum payment requirement, and could include all ofyour creditorsComenity Capital Bank supports and participates in the programs provided by CCCSagenciesShould you wish to obtain information regarding their programs and for a member agencylocated near you, please contact the National Foundation for Credit Counseling at ###-###-####.I hope you find this information to be helpfulShould you have any further questions regarding theoutlined in this letter, please contact me directly at ###-###-####, ext [redacted]
Comenity Bank has received your correspondence regarding the above-referenced credit card account Comenity Bank issues the roomplace® credit card We are here to answer your questions and assist with your concerns We understand that you are requesting a refund of $due to the delay in receiving a credit from The Roomplace in the amount of $to your personal credit card We would like to apologize for any inconvenience this situation may have caused you Please be advised that Comenity Bank and The Roomplace are two separate entities The Bank issues and is responsible for addressing questions related to the roomplace® credit card account The Roomplace is responsible for handling matters related to sales, cancellations, refunds, merchandise processing, returns, shipping, and transactions made with other credit cards For compensation regarding charges/credits applied to another credit card, other than the roomplace® credit card, please contact The Roomplace directly at ###-###-####, as Comenity Bank is unable to make adjustments to charges/credits applied to other credit cards I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,
during the time period they claim I was overdue, their own employees told me I didn't owe any paymentThat may have been a mistake on their end but that is not my problem and they cannot hold me accountable for their mistakeEither they update my credit report as a result of this Revdex.com complaint or next I will file a lawsuitI am VERY confident that I am correct and I will take this as far as I need to[redacted]
The billing statement will be sent via mail with the responseDear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank previously issued the Fashion Bug credit cardWe are here to answer your questions and assist with your concernsWe understand from your complaint that the account was opened August 6, 2013, and the last payment was made April 1, You state you used the credit account at two stores in Maine, which have closedYou state you do not have the card numberI am happy to share my findingsBank records indicate the account was opened August 6, 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 feesThe last purchase posted to the account in the amount $on July 30, 2012, and the last payment posted in the amount of $on April 16, Our records further indicate, the account was closed per your request on March 13, We have included a billing statement, for your records, which provides the account number 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]
This response did not address my issueAll it is is a letter claiming that they sent me a response on July 15th which I never receivedWhat is the response? Regards, [redacted] ***
Dear Ms [redacted] Thank you for your recent complaint regarding the account noted above Comenity Bank issues dressbarn credit cards and we are here to help with your account-related questions and concernsYour complaint, addressed to the Better Business Bureau, was forwarded to my attention and I appreciate the opportunity to assist you I understand your from your complaint, you are questioning why dressbarn stores do not accept gift cards as a form of payment on a credit card purchase You state, you recently purchased an item from dressbarn, and used your dressbarn credit card to obtain 25% off your purchase Immediately after the sale, you wanted to pay the credit card off utilizing a gift card You were advised by a dressbarn store associates, that gift cards are unable to be used to secure a credit card payment You are requesting to use your gift card to pay for purchases and receive cash back on the item I have reviewed you complaint, and would like to share my findings Please note, page two (2) of your billing statement provides you with the following payment methods accepted by Comenity Bank: Choose 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 your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your accountOnline: Online payments submitted before 6pm Eastern Time (ET) can be credited to your account todayOnline payments submitted after 6pm ET will be credited the following business day (or on your future scheduled payment date)Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your dressbarn accountMail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you are a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possibleSame day payment: You may call us at the phone number on the back of your billing statement to speak to a customer care representativeA fee applies to same-day payments made with the representative In addition, page two (2) of your billing statement also provides acceptable forms of payments: Do not send cash or gift certificatesYou may pay your account by mailing your personal check, banker’s check, money order, or traveler’s check, payable in United States dollars I hope you find this information to be helpful Should you have additional questions or concerns about this issue, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I would be happy to assist you Sincerely, Geanine M [redacted]
The fact that I called when I had not received my December statement should be taken into accountWhen I did call the credit card's customer service number and I was told no "payment due at this time"Because of that, I waited to pay my billAt the very least, Comenity Bank could offer to split the $late fee with meBut it seems this bank has very poor customer service which is why I decided to close my account
Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the HSN credit card accountsWe are here toanswer your questions and assist with your concerns.In your correspondence you state you ordered a mopWhen the bill arrived, you paid for the mopin full; however, your payment was received after the due date and a late fee was assessedTheaccount was closed as you requested; however, you keep getting bills that get higher everymonthYou want HSN to stop aggravating you and not mess up your creditWe apologize for anyfrustration or inconvenience this matter may have caused you.We have reviewed the concerns in your correspondence and would like to share our findingsThedue date on your account is the 5th of the monthBank records indicate a statement was issuedon April 9, 2017, indicating a balance of $with a minimum payment of $due by May5, A payment of $was received on May 10, Since the payment was receivedafter the due date, a late fee was assessed to the account.Please 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 explainedin the Credit Card AgreementBecause this requirement was not met, the late fee is valid and weare unwilling to credit any additional late fees at this time.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson FCompliance Dept– Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Old Pueblo Traders credit cardWe are here to answer your questions and assistwith your concerns.We understand from your correspondence, submitted to the Revdex.com, that from Januarythrough April you were charged a monthly fee of $for VIP PlusYou state that you spoketo someone, and were informed that the charge would no longer be added to your accountAdditionally,you state that late fees have been added to your account and the balance is $You are requestingto have the fees removed and your account brought to a zero balanceYou are also requesting that you donot receive any more catalogs.After reviewing your account, our records indicate that you enrolled in Old Pueblo Traders VIP Plus onNovember 10, 2016, while placing an online orderOn January 19, 2017, the Old Pueblo Traders VIP Pluswas canceled.Please be assured that the charges for the Old Pueblo Traders VIP Plus have been credited back to youraccountIn addition, all late fees and finance charges related to this matter have been credited, whichbrings the account balance to zero.Additionally, the Bank has reinstated your credit limit to the original credit limit of $750.00.In regard to your request to stop receiving catalogs, a request has been submitted to discontinue thecatalogsPlease allow 4-weeks for all catalog mailings to cease.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
Dear Mr [redacted] Thank you for contacting Comenity BankWe issue multiple retail credit card accounts, and arehere to help with your questionsThe Revdex.com forwarded your complaint to myattention and I appreciate the opportunity to respond to your concerns.Please accept our deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity BankPlease be advised that thetelephone calls being made were attempts to contact a customer regarding a personal businessmatter.If you would like to provide more information as to how you would like this matter to be handled,I may be able to assist you.We hope you find this information helpfulIf you have any additional questions or concernsplease contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Marathon credit cardWe are here to answer your questions and assist with yourconcerns.We understand from your complaint, address to the Revdex.com, that you assumed by addingyour banking information on our Account Center, that automatic payments would be set upYou found thatthis was not the case, and the account was assessed a late feeYou state you made the payment anddestroyed the Marathon credit cardAfter receiving an email advising you that the account still had abalance of $34.00, you reached out to the Bank and were advised that the balance was a late feeYou arerequesting the account closed and the late fee removed.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.Although we found no billing errors on the Bank’s part, as a courtesy, a credit of $have been appliedto the account for the late fee and finance assessed to the account due to this matterThis credit will bringthe account balance to zero.On March 9, 2017, the account was closed per your request.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
We are in receipt of your complaint regarding the above-referenced accountCornenity Bank issuesStage credit card accounts, and we respond to all account-related questionsYour complaint,addressed to the Revdex.com, was forwarded to my attention, and appreciate theopportunity to respond to your concerns.We understand from your complaint, you have Stage, Goody's, and Lane Bryant credit card accountswith Comenity Bank, which are all in the Hardship ProgramYou contacted Cornenity Bank onSeptember 27, 2016, and requested to change your personal checking account information to yournew account informationThe representative advised that only your Goody's and Lane Bryant creditcard accounts were enrolled in the hardship program, and updated the checking account informationon those accountsHowever, your Stage account was also enrolled, and payments continued to bewithdrawn from your old personal checking account, which has placed that account in a negativestatusYou are requesting Comenity Bank to refund your account, and bring your account current.We have reviewed the issues in your complaint, as well as the applicable telephone conversations.We apologize that the checking account information was not properly updated on your Stage account.Please be assured, as of October 31, 2016, your checking account information was updated on yourStage account.Please be assured, on December 8, 2016, a credit was issued to your Stage account in the amountof $for the previously assessed returned check fee.Your complaint also mentions fees which were assessed by your personal banking institutionPleasecontact me at the number below to discuss this matter.I hope you find this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####, ext [redacted] (TDDTPTY ###-###-####)I would be happy toassist you
If the the audio tape was reviewed, than somebody would have heard MrM [redacted] say over the phone that I am only supposed to be charged $1,dollars How I am at fault? MrM [redacted] is very clear about itYour own customer service agent did not understand how it was possibleShe repeatedly told him that another charge was shown in your systemMrM [redacted] than proceed to tell us to contact bank of [redacted] cause maybe it was their faultI just want an explanation how after listening to the tapes, how is my verdict not justifiedIt is clearly stated by merchant what the charge was supposed to beWhat other evidence do I need to provide? Clearly there is mistake somewhereAll I am showed is copy of receipt during check in which includes amount for depositThere is no receipt for check outWhen returned the key the agents told me same thing as MrM***, the final charge is $1,How can I prevent this in future? Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountComenity Bank issues VICTORIA'S SECRET credit card accounts, and weare here to help answer your account-related questionsYour complaint, was forwarded to myattention, and I appreciate the opportunity to assist you.We understand that you requested to settle your account balance in April 4, 2016, in the amountof $477.89, and you were to receive a letter indicating the account was paid, closed, and reportedto the credit bureaus within daysAfter three months the changes have not been made andyour credit report continues to reflect an unpaid balanceYou are requesting the Bank correctyour credit report.Bank records indicate that the account was permanently closed as an unpaid debt on May 15,2015, and was sent to a third party collection agency, Professional Bureau of CollectionsAfterfurther research, please be assured that we have asked them to return the account to ComenityBank, and we updated our records with a "Closed Settlement" notationAdditionally, the nationalcredit-reporting agencies have been made aware of the changes that need to be made on yourcredit reportPlease allow them up to calendar days to update their records.You may keep this letter as confirmation of the settlement for your records.We sincerely apologize for the inconvenience this matter may have caused youIf you have anyfurther questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me Regards, [redacted] ***
Dear Ms [redacted] We received your additional complaint, addressed to the Revdex.com, regarding theaccount referenced aboveComenity Bank issues OLD PUEBLO TRADERS® credit cardaccounts, and we are here to assist you with all account-related questions or concernsIappreciate the opportunity to respond to your concerns.We understand from your additional complaint that you would like [redacted] Bank’s contactinformation so that you can contact them regarding the refundYou asked why Comenity Bankcannot request the refund.Thank you for speaking with me on November 1, Please find a summary of ourconversation below.Please be advised that Comenity Bank released the funds to [redacted] Bank on July 27, 2016.We no longer have these funds; as such, your bank would need to contact [redacted] Bank toreceive the refund.I spoke to [redacted] at [redacted] Bank on November 1, 2016, and provided her with referencenumber [redacted] , which identifies the specific transmission of funds from [redacted] Bank to [redacted] Bank.Additionally, we received a second confirmation number of [redacted] , which identifiesthe specific reference number for the funds that are located at [redacted] Bank[redacted] advised that she is reaching out to the adjustments area, they are researching the refunddetails, and she will provide you with a telephone call when she has more information.I hope that this information is helpfulShould you have any further questions regarding youraccount, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda R**
Comenity Bank received the complaint for [redacted] In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 07/05/Please let me know if this extension date is not approved
Dear [redacted] Thank you for contacting the Revdex.com regarding the above-referenced account As the bank that issues Victoria’s Secret Angel credit card accounts, we are here to assist you with your account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns I understand from your complaint that your personal information was used to open the above account without your permission and you would like them stopped We understand your concerns outlined in the Revdex.com complaint and apologize for any inconvenience this may have caused you We understand the frustration and burden this places on our customers After a thorough review of the account, our records indicate the above-referenced account was opened on April 7, 2015, by a mobile device At this time, the application would have asked for your personal information, including social security number and date of birth, along with your electronic permission to process the application Further records indicate a purchase for $was charged to the account on April 7, 2015, at the Bath & Body Works store, located in the [redacted] On April 20, 2015, our Account Protection (Fraud) team spoke to you regarding the account and mailed out a Statement of Fraud and Forgery (SOFF) Once you have received the SOFF, please ensure you fill out all the information possible and send back to the address listed on the SOFF Once our Account Protection team receives and processes the SOFF, a fraud investigation will be opened We will send you a letter to provide you with the case number, and another letter will be mailed at the conclusion of the investigation, which may take 60-days Meanwhile, should you have any additional questions regarding this account, you may contact Account Protection (Fraud) at ###-###-#### They will be happy to assist you with any questions you may have Also, we suggest that you contact the national credit-reporting agencies using the information below and place a fraud alert on your credit report While we are not able to stop someone from using your information, a fraud alert can prevent unauthorized applications from being approved xperian (TRW) TransUnion (TRU) Equifax (CBI) PO Box Experian ParkwayAllen, TX - ###-###-#### PO Box 390Springfield, PA - ###-###-#### PO Box 740241Atlanta, GA - 0241###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We hope you find this information helpful Should you have any other questions or concerns regarding this letter, please feel free to reach me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####); and I will be happy to assist you further Sincerely, [redacted]
February 23, [redacted] RE: The [redacted] Credit Card Account Ending In *** Revdex.com Complaint ID # [redacted] Dear [redacted] :Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the The [redacted] credit cardWe are here to answer your questions and assist with your concernsWe understand from your complaint, address to the Revdex.com, that you called Comenity Bank regarding a payment and late feeYou state that while speaking to the representative you were advised that your payment was received after the due date and the account was assessed a late feeAt that time the representative advised the late fee would be credited to your account as a courtesyAdditionally, you state that the representative never mentioned that you had a payment due, and stated that you were fineYou noticed that you have been assessed a second late feeYou are requesting credit be issued for the second late fee.We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe 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.After a thorough review of the account, our records indicate that a statement was issued to you December 18, 2016, with a balance of $and a minimum payment of $due on January 13, As no payment was received by the due date a late fee of $was assessed to the account per the Credit Card AgreementOn January 18, 2017, a statement was issued to you with a balance of $with a minimum payment of $on February 13, As no payment was received by the due date another late fee of $was assessed to the account.On February 15, 2017, a statement was issued to you with a balance of $with a minimum payment of $due on March 13, Enclosed are the statements mentioned above for you review.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.Please be advised that on February 13, 2017, credit was issued for a late fee of $27.00, the Bank is unwilling to credit another late fee at this timeThe Bank finds this fee to be validOn February 21, 2017, a payment of $was applied to the accountAs of the date of this letter, the account balance is zero.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your HSN credit cardaccountComenity Capital Bank issues HSN credit card accounts, and we respond to all account-relatedquestionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.We understand your from your complaint that you are concerned about the balance of your accountYoustate that you are consistently making the minimum payments; however, the balance has not decreased.Additionally, you have contacted Comenity Capital Bank requesting an itemized statement but the requestwas not honoredWe understand your concerns as explained in your correspondence, and we sincerelyapologize for any continued frustration or inconvenience you may have experienced.Please understand that Comenity Capital Bank and HSN are two separate entitiesThe Bank isresponsible for addressing questions related to the credit card account, while HSN is responsible forhandling matters related to sales, merchandise processing, returns and shipping.We have reviewed your HSN credit card account, and have enclosed a table which outlines yourstatement activity from February through January 6, including: purchases, payments, and bankfees assessed.In the interest of customer service, a late fee credit in the amount of $was credited to your accounton February 17, 2016.As of the date of this letter, the remaining balance on your HSN credit card account is $4,with aminimum payment of $0.00, due by March 12, Each month that the account has an unpaidbalance, a finance charge will be assessed at billingThe current APR for the HSN account is 26.99%.To avoid any additional finance charges, the account balance would need to be paid in fullThe Bankfinds the account balance to be valid.Additionally, customers who are experiencing financiat difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS), organization for assistanceTheir programs can provideoptions such as reducing the interest rate and the minimum payment requirement, and could include all ofyour creditorsComenity Capital Bank supports and participates in the programs provided by CCCSagenciesShould you wish to obtain information regarding their programs and for a member agencylocated near you, please contact the National Foundation for Credit Counseling at ###-###-####.I hope you find this information to be helpfulShould you have any further questions regarding theoutlined in this letter, please contact me directly at ###-###-####, ext [redacted]
Comenity Bank has received your correspondence regarding the above-referenced credit card account Comenity Bank issues the roomplace® credit card We are here to answer your questions and assist with your concerns We understand that you are requesting a refund of $due to the delay in receiving a credit from The Roomplace in the amount of $to your personal credit card We would like to apologize for any inconvenience this situation may have caused you Please be advised that Comenity Bank and The Roomplace are two separate entities The Bank issues and is responsible for addressing questions related to the roomplace® credit card account The Roomplace is responsible for handling matters related to sales, cancellations, refunds, merchandise processing, returns, shipping, and transactions made with other credit cards For compensation regarding charges/credits applied to another credit card, other than the roomplace® credit card, please contact The Roomplace directly at ###-###-####, as Comenity Bank is unable to make adjustments to charges/credits applied to other credit cards I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,
during the time period they claim I was overdue, their own employees told me I didn't owe any paymentThat may have been a mistake on their end but that is not my problem and they cannot hold me accountable for their mistakeEither they update my credit report as a result of this Revdex.com complaint or next I will file a lawsuitI am VERY confident that I am correct and I will take this as far as I need to[redacted]
The billing statement will be sent via mail with the responseDear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank previously issued the Fashion Bug credit cardWe are here to answer your questions and assist with your concernsWe understand from your complaint that the account was opened August 6, 2013, and the last payment was made April 1, You state you used the credit account at two stores in Maine, which have closedYou state you do not have the card numberI am happy to share my findingsBank records indicate the account was opened August 6, 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 feesThe last purchase posted to the account in the amount $on July 30, 2012, and the last payment posted in the amount of $on April 16, Our records further indicate, the account was closed per your request on March 13, We have included a billing statement, for your records, which provides the account number 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]
This response did not address my issueAll it is is a letter claiming that they sent me a response on July 15th which I never receivedWhat is the response? Regards, [redacted] ***
Dear Ms [redacted] Thank you for your recent complaint regarding the account noted above Comenity Bank issues dressbarn credit cards and we are here to help with your account-related questions and concernsYour complaint, addressed to the Better Business Bureau, was forwarded to my attention and I appreciate the opportunity to assist you I understand your from your complaint, you are questioning why dressbarn stores do not accept gift cards as a form of payment on a credit card purchase You state, you recently purchased an item from dressbarn, and used your dressbarn credit card to obtain 25% off your purchase Immediately after the sale, you wanted to pay the credit card off utilizing a gift card You were advised by a dressbarn store associates, that gift cards are unable to be used to secure a credit card payment You are requesting to use your gift card to pay for purchases and receive cash back on the item I have reviewed you complaint, and would like to share my findings Please note, page two (2) of your billing statement provides you with the following payment methods accepted by Comenity Bank: Choose 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 your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your accountOnline: Online payments submitted before 6pm Eastern Time (ET) can be credited to your account todayOnline payments submitted after 6pm ET will be credited the following business day (or on your future scheduled payment date)Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your dressbarn accountMail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you are a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possibleSame day payment: You may call us at the phone number on the back of your billing statement to speak to a customer care representativeA fee applies to same-day payments made with the representative In addition, page two (2) of your billing statement also provides acceptable forms of payments: Do not send cash or gift certificatesYou may pay your account by mailing your personal check, banker’s check, money order, or traveler’s check, payable in United States dollars I hope you find this information to be helpful Should you have additional questions or concerns about this issue, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I would be happy to assist you Sincerely, Geanine M [redacted]
The fact that I called when I had not received my December statement should be taken into accountWhen I did call the credit card's customer service number and I was told no "payment due at this time"Because of that, I waited to pay my billAt the very least, Comenity Bank could offer to split the $late fee with meBut it seems this bank has very poor customer service which is why I decided to close my account
Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the HSN credit card accountsWe are here toanswer your questions and assist with your concerns.In your correspondence you state you ordered a mopWhen the bill arrived, you paid for the mopin full; however, your payment was received after the due date and a late fee was assessedTheaccount was closed as you requested; however, you keep getting bills that get higher everymonthYou want HSN to stop aggravating you and not mess up your creditWe apologize for anyfrustration or inconvenience this matter may have caused you.We have reviewed the concerns in your correspondence and would like to share our findingsThedue date on your account is the 5th of the monthBank records indicate a statement was issuedon April 9, 2017, indicating a balance of $with a minimum payment of $due by May5, A payment of $was received on May 10, Since the payment was receivedafter the due date, a late fee was assessed to the account.Please 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 explainedin the Credit Card AgreementBecause this requirement was not met, the late fee is valid and weare unwilling to credit any additional late fees at this time.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F
Compliance Dept– Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Old Pueblo Traders credit cardWe are here to answer your questions and assistwith your concerns.We understand from your correspondence, submitted to the Revdex.com, that from Januarythrough April you were charged a monthly fee of $for VIP PlusYou state that you spoketo someone, and were informed that the charge would no longer be added to your accountAdditionally,you state that late fees have been added to your account and the balance is $You are requestingto have the fees removed and your account brought to a zero balanceYou are also requesting that you donot receive any more catalogs.After reviewing your account, our records indicate that you enrolled in Old Pueblo Traders VIP Plus onNovember 10, 2016, while placing an online orderOn January 19, 2017, the Old Pueblo Traders VIP Pluswas canceled.Please be assured that the charges for the Old Pueblo Traders VIP Plus have been credited back to youraccountIn addition, all late fees and finance charges related to this matter have been credited, whichbrings the account balance to zero.Additionally, the Bank has reinstated your credit limit to the original credit limit of $750.00.In regard to your request to stop receiving catalogs, a request has been submitted to discontinue thecatalogsPlease allow 4-weeks for all catalog mailings to cease.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
Dear Mr [redacted] Thank you for contacting Comenity BankWe issue multiple retail credit card accounts, and arehere to help with your questionsThe Revdex.com forwarded your complaint to myattention and I appreciate the opportunity to respond to your concerns.Please accept our deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity BankPlease be advised that thetelephone calls being made were attempts to contact a customer regarding a personal businessmatter.If you would like to provide more information as to how you would like this matter to be handled,I may be able to assist you.We hope you find this information helpfulIf you have any additional questions or concernsplease contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda [redacted]