Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your Simply Be credit card account Comenity Capital Bank issues Simply Be credit card accounts, and we respond to all account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you You state in your complaint that around Christmas 2015, you placed an order via phone from Simply Be for a matching bra and panty, with free shipping and handling From this order you received the panty only, and figured the bra was on backorder When ordering the panty it was $20.00, and is now $ You state that since the items were on the same order you waited to pay, and have received billings that indicate you have been overcharged You have attempted to resolve this issue for the last three months by calling and writing in several times You are requesting that the account be closed and that you owe nothing, as you have paid the $ Please understand that Comenity Capital Bank and Simply Be are two separate entities The Bank is responsible for addressing questions related to the credit card account, while Simply Be is responsible for handling matters related to sales, merchandise processing, returns and shipping We received your disputes in regard to the above situation Per our records we have advised you to contact Simply Be directly for further assistance We apologize for any frustration or inconvenience this has caused you, or if you feel that your issue has not been resolved We contacted Simply Be, on your behalf, and their records indicate that on November 23, 2015, you placed an order, for a Full Cup Wired Bra in black size 36C, and Briefs in black size The bra was $22.52, and the briefs were $ The shipping and handling of $was added to the briefs on your billing statement reflecting the amount of $ Free shipping and handling only applies to orders over $75.00, and your total was $ The briefs were shipped on November 23, 2015, and the bra on November 28, The shipping option chosen at the time of placing the order was an untracked shipping method; therefore, the packages cannot be tracked When an order is shipped it is billed to whatever method of payment is indicated Per the Credit Card Agreement (CCA), transactions placed on an account during the billing period will require a minimum due for such charges When the minimum due is not met by the date indicated on such billing statements, the account will be subject to late fees After reviewing your account Bank records indicate we received your first payment in the amount of $on April 8, At the time of this payment your minimum due was $38.00, and the account was four billings past due On May 11, 2016, a payment in the amount of $was received This satisfied only part of the minimum due amount of $ The amount of $is due by June 4, 2016, to satisfy the entire minimum due indicated on the May billing statement Based upon the information provided by Simply Be, the Bank finds the account balance to be valid No adjustments are due at this time Please contact Simply Be corporate office directly at ###-###-####, for further assistance in regard to this matter They will be happy to assist you As requested the above-referenced account has been closed per your request as of May 25, Comenity Capital Bank values you as a customer, and we hope that you find this information to be helpfulSincerely, Diamond L***
Dear STEVENSKEES,Thank you for contacting Comenity Bank As the bank that issues your Meijer MasterCard® account,we'rehere to help with your questions.We are in receipt of your letter dated 12/06/requesting that we investigate information reported onyour credit file.To address concern,we have updated our records and notified thereporting agencies of the changes that need to be made your credit report.This change shouldreflected on your credit file within the next calendar days.We value you as a customer and apologize for any inconvenience this may have causedIffurther questions about your account,please contact us at ###-###-####(TDD/TTY: ###-###-#### )We will be happy to help you.Sincerely,Customer Careteam
I am rejecting this response because I was not late in the last monthsI have contacted your customer service less than business daysI'm asking for that late fee to be removed Regards, Elena G [redacted]
I'm sorry for being late. But I just 88 yrs old & I haven't been feeling good.'But I had to thank you for helping me. Everything has stopped. So thank you again.I'm living in a assisted living home so I'm slow. But thank you. [redacted] ***###-###-####
See page of in the email correspondence document.See the February Statement attached.See reward pdfSee all other statementsI will send phone records on request.At the time I made my purchase I had earned dollars of reward points that, at the time, did not expire for one year and were therefore valid at the time of purchase, see my correspondence in conjunction with my statements for the date they were applied- a year and several moths late They should have been valid at the time of my purchase.Then, I was never given my when comenity DID apply themComenity just took them away with no monetary compensation from either Crate and Barrel (CB2) or from ComenityComenity was acting fraudulently by rewarding the points, removing the points but never honoring the pointsI want a check for sent to me, no more no less Regards, [redacted] ***
Dear Mrs*** We received your complaint, addressed to the Revdex.com Comenity Bank issues The RoomPlace credit cardaccounts, and we respond to account-related questions Your correspondence was forwarded to myattention, and I appreciate the opportunity to respond to your concernsWe understand your concerns as explained in the complaint Bank records show that The RoomPlace accountis solely listed in the name of [redacted] ***Because of this, the Bank is unable to discuss or release accountinformation to another party without Mr***’s permission Please be advised that we have sent a response to [redacted] directly regarding theaccountWe hope this information is helpful Shouldyou have any other questions or concerns regarding this account, please feelfree to contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####) I will be happy toassist youSincerely, [redacted] [redacted] Consumer Relations Specialist ell us why here
Dear Ms [redacted] :Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccountComenity Capital Bank issues ldeal lmage accounts, and we respond to allaccount-related questionsYour complaint was forwarded to my attention, and I appreciate thisopportunity to assist you.Your complaint indicates that you contacted our Customer Service Team regarding two late feesthat were charged to your accountYou state that you have been paying $a month andyou were surprised to see that you had two late fees added to your accountYou are requestingto have the late fees removed and also to correct your credit report.Bank records indicate that your due date is the 7ih of every monthYour ldeal lmage account isa regular revolving account, which means that if there is a balance, a minimum payment isrequired each billing periodPlease be aware that any amount paid in excess of the minimumdue will be credited to your balance for the billing period in which that payment is receivedA latefee will be assessed if the minimum payment amount is not received by the 7th of every month.To protect your account, please pay at least the minimum due indicated on your statement eachmonth.Comenity Capital Bank has not reported any negative payment history to the credit reportingagenciesOn December 15, 2016, a late fee in the amount of $was credited to youraccountIn the interest of customer service, the additional late fees totaling $have beencredited to your account.I hope you found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns We previously received and responded to your correspondence submitted to the Consumer Financial Protection Bureau regarding this same matterPlease find enclosed a copy of our response sent to you on March 2, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R [redacted] Compliance Dept– Consumer Responses cc: Revdex.com Enclosure
February 9, [redacted] RE: Unwanted Calls Revdex.com Complaint ID # Dear Cheri P***: Comenity Bank (Bank) has received your correspondenceWe are here to answer your questions and assist with your concernsYour correspondence indicates you are receiving telephone calls from Comenity Bank regarding a matter not related to youThe calls placed to the telephone number were attempts by us to contact one of our customers regarding a business matterWe apologize for the inconvenience this may have causedYou should no longer be receiving phone calls regarding this matter as we have marked the telephone number ending in with “Do Not Call” instructionsIf you receive calls from us on a different telephone number regarding a matter not related to you, please contact us at ###-###-#### to update our recordsSincerely, [redacted]
Dear [redacted] :We received the inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account Comenity Bank issues ANN TAYLOR credit card accounts, and we are here to help with your account-related questions Your inquiry was forwarded to my attention, and I appreciate the opportunity to address your concernsWe understand from your correspondence, you purchased a gift at an Ann Taylor store and signed up for a credit card When the invoice was sent to you, it was addressed from Comenity Bank, not Ann Taylor You did not realize that Comenity Bank would be issuing the credit card and you must have thrown the invoice out with your junk mail When you received a phone call from Comenity Bank, you paid the balance in full You are requesting that the 30-day delinquency is removed from your credit report and you ask for a letter confirming the removal and that the account is in good standing.Our records indicate on January 25, 2015, an ANN TAYLOR credit application was processed at the store; the application was approved and an account was opened At that time, the store associate should have issued you Comenity Bank’s Credit Card Agreement (CCA), and Privacy Notice Use of the account, or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges, and fees On January 26, 2015, Comenity Bank mailed your “Welcome Kit” which included your ANN TAYLOR credit card and a copy of the CCA.On the same day, the account was opened, and a purchase for $was charged to the account A statement was issued on February 19, 2015, indicating a balance of $with a payment of $25.00, due by March 17, A second statement was issued on March 22, 2015, indicating a balance of $with a payment of $due by April 17, As no payment was received by the March 17, 2015, and April 17, 2015, due dates, late fees and finance charges were assessed to the account Furthermore, the account fell two billing cycles past due and was reported as 30-days late on your credit reportOn May 11, 2015, a payment in the amount of $187.24, was received, bringing the account balance to zero.Please understand that Comenity Bank can only remove or change information that our company incorrectly furnished to the credit-reporting agencies After reviewing our records, we found the information we reported is accurate and it will not be adjusted or removed.We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due This statement will not change your credit rating; however, it will explain to potential creditors why the account became past due, and it may contribute to their decision The credit bureaus may be reached by using the following information: Experian (TRW) Trans Union (TRU) Equifax (CBI) PO Box Experian Parkway Allen, TX - ###-###-#### PO Box Springfield, PA - ###-###-#### PO Box Atlanta, GA - ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter, and we hope you find this information helpful Should you have any further questions or concerns regarding the account, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely,Tionna M [redacted]
I am rejecting this response because: For the last 12 months I was never late. I explained to the customer representative that I was in the hospital and we were discharged on 5.25.17. Victoria Secret is the only account which doesn't have automatic payment and was the only account that I was unable to set up for automatic payments. I contacted them twice to get that fee removed on the first week of June but their CS is very hostile. See attached the discharge document from the hospital. The previous late fee was assigned to my acccount over 16 months ago because they switched my account to receive the statements over the email instead of mail without my consent. Please waive the fee of $27 so I can process the payment. 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 have received the complaint that you sent to the Revdex.com regarding the above-noted account Comenity Bank issues Old Pueblo Traders credit card accounts, and we are here to help answer your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you with your concerns You state in your complaint that you received a call about a bill, and although the bill was paid on time, it took a week to post to the account You further state that when you called to get it straight, the representative you spoke with said that she was sending the police to your house to arrest you for not paying on time Additionally, you state that when you called to cancel the account you were told that you were never going to pay anyway We sincerely apologize for any frustration this matter may have caused you We have reviewed your account and are happy to share our findings We have enclosed copies of your monthly billing statements referenced in this letter, for your reviewThe Bank has reviewed the issues in your complaint, as well as the applicable phone conversations We apologize if you felt that you did not receive the best customer service; however, we could find no evidence of the treatment you describe It is never the Bank's intention to treat our customers in a less-than-satisfactory manner Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not metPlease understand that when payments are not received, are received after the due date, or are made for less than the minimum payment required, the account will be assessed a late fee and finance charge, pursuant to the terms and conditions of the Credit Card AgreementOur records indicate that a billing statement was issued on December 26, 2014, reflecting a balance of $324.42, and a minimum payment of $ due by January 21, On January 22, 2015, a payment of $posted to the account Because the payment posted after the due date, a late fee and a finance charge were assessed Statements continued to be sent monthly; however, as no payments were received until June 10, 2015, late fees and finance charges continued to be assessed, and the account fell four billing cycles past due After thoroughly reviewing your account, we find the balance to be valid; however, in the interest of customer service, we have issued credits totaling $to remove the late fees which were assessed to the account from January through May These credits will appear on one of your next two billing statements We value you as a customer, and we hope you find this information to be helpful Should you have questions or concerns regarding this letter, please contact me directly at ###-###-####, ext [redacted] *TDD/TTY ###-###-####) I will be happy to assist youSincerely, [redacted] Consumer Relations Specialist
Dear [redacted] :We have received your complaint regarding a Comenity Bank credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you recently checked your credit report and found that Comenity Bank has several credit inquiries listedYou are stating that the inquiries are unauthorized and are requesting that the Bank remove this information from your credit bureau reportPlease be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate an accountTo locate an account, we would need additional informationPlease provide the following:? Complete Account Number? Any Previous Names? Any Previous Addresses? Home Telephone Number? Social security numberThis information can be mailed to the address listed above or faxed to my attention at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the avenue® credit card We are here to answer your questions and assist with your concerns We understand from your complaint that you opened an avenue® credit card to receive a discount on a purchaseThe mailing address was incorrect and you did not receive your billing statements, therefore the balance was assessed late fees When you received the billing statement you paid the balance in full and a late fee, however the balance was assessed additional late feesYou request the balance be zero and for your credit report to be updated in regards to this matter 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 Bank records indicate that you spoke with the Bank on August 23, 2016, regarding the billing statements you did not receive that were issued on June 20, 2016, July 21, and August 21, On this call, the late fees previously assessed were waived in the amount of $59.00, and your billing address was updated In addition to, the payment history was updated due to you not receiving the billing statements The billing statement issued September 20, 2016, included the charge for $for the magazine and the remaining finance charges and Account Assure feesThe balance on this statement was $32.40, with a minimum due payment of $due by October 16, On September 26, 2016, there was a charge for an additional magazine of $ Once you cancelled the magazine charges with avenue®, you received credits of $ The billing statement issued October 21, 2016, had a balance and minimum due payment of $due by November 16, A payment of $was received, because the payment did not meet the minimum payment required a late fee was assessed An additional statement was issued November 20, with a balance and minimum payment of $due by December 16, No payment was made and a late fee was assessed A statement was issued December 21, 2016, with a balance of $ Please be advised in the interest of customer service we have credited the account for the $in Bank fees Additionally, no negative payment information reported to the credit bureaus, as a result of this matter I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Kajia M [redacted]
We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues Roaman’s® credit card accounts, and we are here to assist you with all account-related questions or concerns I appreciate the opportunity to respond to your concerns We understand from your complaint that you placed an order in late July through Roaman’s and you did not receive the correct merchandise, so you returned the items You attempted to reorder the items, but you still received the wrong merchandise Even though the items were returned, you were still charged for the items by Comenity Bank, when you received your bill You advised Comenity Bank that all of the merchandise was returned but you still continue to receive bills with added late fees and finance charges You are requesting to have the charges removed and your account closed Please note Comenity Bank and Roaman’s are two separate entities The Bank issues, and is responsible for addressing questions related to, your credit card account Roaman’s is responsible for handling matters related to sales, merchandise processing, returns, and shipping When ordering merchandise by mail, you generally will be charged for shipping and handling as well as the cost of the merchandise If merchandise is returned within days, Roaman’s will refund the cost of the merchandise, but shipping and handling charges are not refundable If you use the Customer Return Label for your return, Roaman’s will charge your account $when processing your return Roaman’s return policy states: Our goal is your complete satisfaction! If we have not delighted you, all unworn, unwashed or defective merchandise may be returned within days We are happy to send you a new size, color or style or issue a refund for the purchase price (excluding shipping and handling charges) For returns made after days, we will issue a gift card equal to the purchase price (less shipping and handling charges) that can be used toward a future purchase Please keep in mind 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 and finance charge, as explained in the Credit Card Agreement (CCA) I have enclosed copies of the billing statements which show the account activity that comprised the account balance We have spoken to Roaman’s on your behalf The Bank was provided with the receipts for your orders Roaman’s has advised that you placed two orders that were processed to the account You placed your first order on April 16, 2016, in the amount of $ The merchandise was returned on August 2016; as this was past days, a merchandise credit in the amount of $was issued to you You placed your second order on July 6, 2016, in the amount of $ You utilized a gift card in the amount of $lowering the total to $ The merchandise was returned on August 29, 2016, and a full refund in the amount of $was issued to your Roaman’s® account After researching the account, the Bank finds the balance to be valid; as such, we respectfully decline your request to remove any fees As of the date of this letter, the balance on the account is $125.44, with a minimum payment of $20.00, due by January 2, The Roaman’s® account was closed, per your request, on September 23, You are a valued customer, and we apologize for any confusion or frustration this matter has caused you Should you have any further questions regarding your accounts, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Amanda R [redacted] Consumer Relations Specialist CC: Revdex.com
It took the bank months to send me the paper billAs soon as I made the Revdex.com complaint, not only I received my bill but also the coupons which was not done previouslyYes the statement is available online but if the customer is not happy and is requesting a paperbill over and over again, it is bank's dunty to comply with the request, which apparently was not taken care ofAs I mentioned earlier, bank is very smart on blaming stuff on the postsl serviceThis shows that the customer i.e me is a liar and I refuse to take that tag.Regards, [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your Simply Be credit card account Comenity Capital Bank issues Simply Be credit card accounts, and we respond to all account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you You state in your complaint that around Christmas 2015, you placed an order via phone from Simply Be for a matching bra and panty, with free shipping and handling From this order you received the panty only, and figured the bra was on backorder When ordering the panty it was $20.00, and is now $ You state that since the items were on the same order you waited to pay, and have received billings that indicate you have been overcharged You have attempted to resolve this issue for the last three months by calling and writing in several times You are requesting that the account be closed and that you owe nothing, as you have paid the $ Please understand that Comenity Capital Bank and Simply Be are two separate entities The Bank is responsible for addressing questions related to the credit card account, while Simply Be is responsible for handling matters related to sales, merchandise processing, returns and shipping We received your disputes in regard to the above situation Per our records we have advised you to contact Simply Be directly for further assistance We apologize for any frustration or inconvenience this has caused you, or if you feel that your issue has not been resolved We contacted Simply Be, on your behalf, and their records indicate that on November 23, 2015, you placed an order, for a Full Cup Wired Bra in black size 36C, and Briefs in black size The bra was $22.52, and the briefs were $ The shipping and handling of $was added to the briefs on your billing statement reflecting the amount of $ Free shipping and handling only applies to orders over $75.00, and your total was $ The briefs were shipped on November 23, 2015, and the bra on November 28, The shipping option chosen at the time of placing the order was an untracked shipping method; therefore, the packages cannot be tracked When an order is shipped it is billed to whatever method of payment is indicated Per the Credit Card Agreement (CCA), transactions placed on an account during the billing period will require a minimum due for such charges When the minimum due is not met by the date indicated on such billing statements, the account will be subject to late fees After reviewing your account Bank records indicate we received your first payment in the amount of $on April 8, At the time of this payment your minimum due was $38.00, and the account was four billings past due On May 11, 2016, a payment in the amount of $was received This satisfied only part of the minimum due amount of $ The amount of $is due by June 4, 2016, to satisfy the entire minimum due indicated on the May billing statement Based upon the information provided by Simply Be, the Bank finds the account balance to be valid No adjustments are due at this time Please contact Simply Be corporate office directly at ###-###-####, for further assistance in regard to this matter They will be happy to assist you As requested the above-referenced account has been closed per your request as of May 25, Comenity Capital Bank values you as a customer, and we hope that you find this information to be helpfulSincerely, Diamond L***
Consumer called Revdex.com requesting business response be resent to her via postal mail
Dear STEVENSKEES,Thank you for contacting Comenity Bank As the bank that issues your Meijer MasterCard® account,we'rehere to help with your questions.We are in receipt of your letter dated 12/06/requesting that we investigate information reported onyour credit file.To address concern,we have updated our records and notified thereporting agencies of the changes that need to be made your credit report.This change shouldreflected on your credit file within the next calendar days.We value you as a customer and apologize for any inconvenience this may have causedIffurther questions about your account,please contact us at ###-###-####(TDD/TTY: ###-###-#### )We will be happy to help you.Sincerely,Customer Careteam
I am rejecting this response because I was not late in the last monthsI have contacted your customer service less than business daysI'm asking for that late fee to be removed Regards, Elena G [redacted]
I'm sorry for being late. But I just 88 yrs old & I haven't been feeling good.'But I had to thank you for helping me. Everything has stopped. So thank you again.I'm living in a assisted living home so I'm slow. But thank you. [redacted] ***###-###-####
See page of in the email correspondence document.See the February Statement attached.See reward pdfSee all other statementsI will send phone records on request.At the time I made my purchase I had earned dollars of reward points that, at the time, did not expire for one year and were therefore valid at the time of purchase, see my correspondence in conjunction with my statements for the date they were applied- a year and several moths late They should have been valid at the time of my purchase.Then, I was never given my when comenity DID apply themComenity just took them away with no monetary compensation from either Crate and Barrel (CB2) or from ComenityComenity was acting fraudulently by rewarding the points, removing the points but never honoring the pointsI want a check for sent to me, no more no less Regards, [redacted] ***
Dear Mrs*** We received your complaint, addressed to the Revdex.com Comenity Bank issues The RoomPlace credit cardaccounts, and we respond to account-related questions Your correspondence was forwarded to myattention, and I appreciate the opportunity to respond to your concernsWe understand your concerns as explained in the complaint Bank records show that The RoomPlace accountis solely listed in the name of [redacted] ***Because of this, the Bank is unable to discuss or release accountinformation to another party without Mr***’s permission Please be advised that we have sent a response to [redacted] directly regarding theaccountWe hope this information is helpful Shouldyou have any other questions or concerns regarding this account, please feelfree to contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####) I will be happy toassist youSincerely, [redacted] [redacted] Consumer Relations Specialist ell us why here
Dear Ms [redacted] :Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccountComenity Capital Bank issues ldeal lmage accounts, and we respond to allaccount-related questionsYour complaint was forwarded to my attention, and I appreciate thisopportunity to assist you.Your complaint indicates that you contacted our Customer Service Team regarding two late feesthat were charged to your accountYou state that you have been paying $a month andyou were surprised to see that you had two late fees added to your accountYou are requestingto have the late fees removed and also to correct your credit report.Bank records indicate that your due date is the 7ih of every monthYour ldeal lmage account isa regular revolving account, which means that if there is a balance, a minimum payment isrequired each billing periodPlease be aware that any amount paid in excess of the minimumdue will be credited to your balance for the billing period in which that payment is receivedA latefee will be assessed if the minimum payment amount is not received by the 7th of every month.To protect your account, please pay at least the minimum due indicated on your statement eachmonth.Comenity Capital Bank has not reported any negative payment history to the credit reportingagenciesOn December 15, 2016, a late fee in the amount of $was credited to youraccountIn the interest of customer service, the additional late fees totaling $have beencredited to your account.I hope you found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns We previously received and responded to your correspondence submitted to the Consumer Financial Protection Bureau regarding this same matterPlease find enclosed a copy of our response sent to you on March 2, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R [redacted] Compliance Dept– Consumer Responses cc: Revdex.com Enclosure
February 9, [redacted] RE: Unwanted Calls Revdex.com Complaint ID # Dear Cheri P***: Comenity Bank (Bank) has received your correspondenceWe are here to answer your questions and assist with your concernsYour correspondence indicates you are receiving telephone calls from Comenity Bank regarding a matter not related to youThe calls placed to the telephone number were attempts by us to contact one of our customers regarding a business matterWe apologize for the inconvenience this may have causedYou should no longer be receiving phone calls regarding this matter as we have marked the telephone number ending in with “Do Not Call” instructionsIf you receive calls from us on a different telephone number regarding a matter not related to you, please contact us at ###-###-#### to update our recordsSincerely, [redacted]
Dear [redacted] :We received the inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account Comenity Bank issues ANN TAYLOR credit card accounts, and we are here to help with your account-related questions Your inquiry was forwarded to my attention, and I appreciate the opportunity to address your concernsWe understand from your correspondence, you purchased a gift at an Ann Taylor store and signed up for a credit card When the invoice was sent to you, it was addressed from Comenity Bank, not Ann Taylor You did not realize that Comenity Bank would be issuing the credit card and you must have thrown the invoice out with your junk mail When you received a phone call from Comenity Bank, you paid the balance in full You are requesting that the 30-day delinquency is removed from your credit report and you ask for a letter confirming the removal and that the account is in good standing.Our records indicate on January 25, 2015, an ANN TAYLOR credit application was processed at the store; the application was approved and an account was opened At that time, the store associate should have issued you Comenity Bank’s Credit Card Agreement (CCA), and Privacy Notice Use of the account, or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges, and fees On January 26, 2015, Comenity Bank mailed your “Welcome Kit” which included your ANN TAYLOR credit card and a copy of the CCA.On the same day, the account was opened, and a purchase for $was charged to the account A statement was issued on February 19, 2015, indicating a balance of $with a payment of $25.00, due by March 17, A second statement was issued on March 22, 2015, indicating a balance of $with a payment of $due by April 17, As no payment was received by the March 17, 2015, and April 17, 2015, due dates, late fees and finance charges were assessed to the account Furthermore, the account fell two billing cycles past due and was reported as 30-days late on your credit reportOn May 11, 2015, a payment in the amount of $187.24, was received, bringing the account balance to zero.Please understand that Comenity Bank can only remove or change information that our company incorrectly furnished to the credit-reporting agencies After reviewing our records, we found the information we reported is accurate and it will not be adjusted or removed.We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due This statement will not change your credit rating; however, it will explain to potential creditors why the account became past due, and it may contribute to their decision The credit bureaus may be reached by using the following information: Experian (TRW) Trans Union (TRU) Equifax (CBI) PO Box Experian Parkway Allen, TX - ###-###-#### PO Box Springfield, PA - ###-###-#### PO Box Atlanta, GA - ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter, and we hope you find this information helpful Should you have any further questions or concerns regarding the account, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely,Tionna M [redacted]
I have no idea what they are referring to Regards, [redacted]
I am rejecting this response because: For the last 12 months I was never late. I explained to the customer representative that I was in the hospital and we were discharged on 5.25.17. Victoria Secret is the only account which doesn't have automatic payment and was the only account that I was unable to set up for automatic payments. I contacted them twice to get that fee removed on the first week of June but their CS is very hostile. See attached the discharge document from the hospital. The previous late fee was assigned to my acccount over 16 months ago because they switched my account to receive the statements over the email instead of mail without my consent. Please waive the fee of $27 so I can process the payment. 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 have received the complaint that you sent to the Revdex.com regarding the above-noted account Comenity Bank issues Old Pueblo Traders credit card accounts, and we are here to help answer your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you with your concerns You state in your complaint that you received a call about a bill, and although the bill was paid on time, it took a week to post to the account You further state that when you called to get it straight, the representative you spoke with said that she was sending the police to your house to arrest you for not paying on time Additionally, you state that when you called to cancel the account you were told that you were never going to pay anyway We sincerely apologize for any frustration this matter may have caused you We have reviewed your account and are happy to share our findings We have enclosed copies of your monthly billing statements referenced in this letter, for your reviewThe Bank has reviewed the issues in your complaint, as well as the applicable phone conversations We apologize if you felt that you did not receive the best customer service; however, we could find no evidence of the treatment you describe It is never the Bank's intention to treat our customers in a less-than-satisfactory manner Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not metPlease understand that when payments are not received, are received after the due date, or are made for less than the minimum payment required, the account will be assessed a late fee and finance charge, pursuant to the terms and conditions of the Credit Card AgreementOur records indicate that a billing statement was issued on December 26, 2014, reflecting a balance of $324.42, and a minimum payment of $ due by January 21, On January 22, 2015, a payment of $posted to the account Because the payment posted after the due date, a late fee and a finance charge were assessed Statements continued to be sent monthly; however, as no payments were received until June 10, 2015, late fees and finance charges continued to be assessed, and the account fell four billing cycles past due After thoroughly reviewing your account, we find the balance to be valid; however, in the interest of customer service, we have issued credits totaling $to remove the late fees which were assessed to the account from January through May These credits will appear on one of your next two billing statements We value you as a customer, and we hope you find this information to be helpful Should you have questions or concerns regarding this letter, please contact me directly at ###-###-####, ext [redacted] *TDD/TTY ###-###-####) I will be happy to assist youSincerely, [redacted] Consumer Relations Specialist
Dear [redacted] :We have received your complaint regarding a Comenity Bank credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you recently checked your credit report and found that Comenity Bank has several credit inquiries listedYou are stating that the inquiries are unauthorized and are requesting that the Bank remove this information from your credit bureau reportPlease be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate an accountTo locate an account, we would need additional informationPlease provide the following:? Complete Account Number? Any Previous Names? Any Previous Addresses? Home Telephone Number? Social security numberThis information can be mailed to the address listed above or faxed to my attention at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the avenue® credit card We are here to answer your questions and assist with your concerns We understand from your complaint that you opened an avenue® credit card to receive a discount on a purchaseThe mailing address was incorrect and you did not receive your billing statements, therefore the balance was assessed late fees When you received the billing statement you paid the balance in full and a late fee, however the balance was assessed additional late feesYou request the balance be zero and for your credit report to be updated in regards to this matter 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 Bank records indicate that you spoke with the Bank on August 23, 2016, regarding the billing statements you did not receive that were issued on June 20, 2016, July 21, and August 21, On this call, the late fees previously assessed were waived in the amount of $59.00, and your billing address was updated In addition to, the payment history was updated due to you not receiving the billing statements The billing statement issued September 20, 2016, included the charge for $for the magazine and the remaining finance charges and Account Assure feesThe balance on this statement was $32.40, with a minimum due payment of $due by October 16, On September 26, 2016, there was a charge for an additional magazine of $ Once you cancelled the magazine charges with avenue®, you received credits of $ The billing statement issued October 21, 2016, had a balance and minimum due payment of $due by November 16, A payment of $was received, because the payment did not meet the minimum payment required a late fee was assessed An additional statement was issued November 20, with a balance and minimum payment of $due by December 16, No payment was made and a late fee was assessed A statement was issued December 21, 2016, with a balance of $ Please be advised in the interest of customer service we have credited the account for the $in Bank fees Additionally, no negative payment information reported to the credit bureaus, as a result of this matter I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Kajia M [redacted]
We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues Roaman’s® credit card accounts, and we are here to assist you with all account-related questions or concerns I appreciate the opportunity to respond to your concerns We understand from your complaint that you placed an order in late July through Roaman’s and you did not receive the correct merchandise, so you returned the items You attempted to reorder the items, but you still received the wrong merchandise Even though the items were returned, you were still charged for the items by Comenity Bank, when you received your bill You advised Comenity Bank that all of the merchandise was returned but you still continue to receive bills with added late fees and finance charges You are requesting to have the charges removed and your account closed Please note Comenity Bank and Roaman’s are two separate entities The Bank issues, and is responsible for addressing questions related to, your credit card account Roaman’s is responsible for handling matters related to sales, merchandise processing, returns, and shipping When ordering merchandise by mail, you generally will be charged for shipping and handling as well as the cost of the merchandise If merchandise is returned within days, Roaman’s will refund the cost of the merchandise, but shipping and handling charges are not refundable If you use the Customer Return Label for your return, Roaman’s will charge your account $when processing your return Roaman’s return policy states: Our goal is your complete satisfaction! If we have not delighted you, all unworn, unwashed or defective merchandise may be returned within days We are happy to send you a new size, color or style or issue a refund for the purchase price (excluding shipping and handling charges) For returns made after days, we will issue a gift card equal to the purchase price (less shipping and handling charges) that can be used toward a future purchase Please keep in mind 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 and finance charge, as explained in the Credit Card Agreement (CCA) I have enclosed copies of the billing statements which show the account activity that comprised the account balance We have spoken to Roaman’s on your behalf The Bank was provided with the receipts for your orders Roaman’s has advised that you placed two orders that were processed to the account You placed your first order on April 16, 2016, in the amount of $ The merchandise was returned on August 2016; as this was past days, a merchandise credit in the amount of $was issued to you You placed your second order on July 6, 2016, in the amount of $ You utilized a gift card in the amount of $lowering the total to $ The merchandise was returned on August 29, 2016, and a full refund in the amount of $was issued to your Roaman’s® account After researching the account, the Bank finds the balance to be valid; as such, we respectfully decline your request to remove any fees As of the date of this letter, the balance on the account is $125.44, with a minimum payment of $20.00, due by January 2, The Roaman’s® account was closed, per your request, on September 23, You are a valued customer, and we apologize for any confusion or frustration this matter has caused you Should you have any further questions regarding your accounts, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Amanda R [redacted] Consumer Relations Specialist CC: Revdex.com
Hi, I checked this month statement and it did not show the amount that was going to be taken awayI'll check next monthThank you!
It took the bank months to send me the paper billAs soon as I made the Revdex.com complaint, not only I received my bill but also the coupons which was not done previouslyYes the statement is available online but if the customer is not happy and is requesting a paperbill over and over again, it is bank's dunty to comply with the request, which apparently was not taken care ofAs I mentioned earlier, bank is very smart on blaming stuff on the postsl serviceThis shows that the customer i.e me is a liar and I refuse to take that tag.Regards, [redacted]