I have submitted a response to Jordan N [redacted] in the Compliance Department of Comenity Bank as well the State of Delaware Banking Commissioner's I am submitting a copy of all the documents mailed via first class mail to Jordan N [redacted] and the Banking Commissioners The Representatives of Comeniity continue to reject their responsibility for violating the FCRA for a period of six years Comenity Bank has intentionally given inaccurate information to the Credit Reporting Agencies, the Ohio Revdex.com, and the State of Delaware Banking Commissioners I have no need of further communication with MsM [redacted] as she has conceivably acknowledge her privilege to circumvent an honest response to resolve an apparent Company falsification of legal documents Regards [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced credit card accountComenity Bank issues the Herberger’s credit card accountWe are here to answer your questions and assist with your concernsYour correspondence states that you were late with a payment and the Bank called a phone number belonging to your sister regarding your accountYou would like to know how the Bank got your sister’s phone number and knew she was related to youFurthermore, you would like this account closed and some type of store compensationWe apologize for any frustration or inconvenience this matter may have caused youBank records indicate that you had a payment due by September 5, The Bank did not receive a payment; therefore, your payment became one billing period past dueBank records indicate that the phone number ending in [redacted] was the phone number provided to us when the account was openedWhen the Bank’s records show that the full minimum payment amount due is not received by the due date, the Bank will make attempts to contact you regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusPlease be advised that the Bank declines your request for compensationI hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at [redacted] Sincerely, Jenny W***
Dear [redacted] Comenity Bank (Bank) has received your correspondenceWe are here to answer your questions and assist with your concernsWe would like to assist you in resolving this matterComenity Bank issues Dress Barn credit cardsPlease note Comenity Bank and Dress Barn are two separate entitiesThe Bank issues, and is responsible for addressing questions related to, the Dress Barn credit card accountDress Barn is responsible for handling matters related to sales, merchandise processing, returns and shippingAfter a review of our records, we were unable to locate a Dress Barn account or an email address using the information you providedIn your correspondence, you indicated that you had email confirmations savedPlease provide us copies of the emailsOnce this information has been received, we will be able to further investigatePlease send this information to my attention at the address shown aboveIn addition, you have asked that you receive no more emails from [redacted] Please be advised that Comenity Bank and [redacted] have no associationWe encourage you to contact [redacted] [redacted] directly to resolve any concerns you may haveIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Shawnda Y [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Wayfair Card credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you opened a Wayfair Card account... with a credit limit of $4,500.00. You state that you continue to pay your bill; and that you only skipped a payment or two. Due to this matter the credit limit was decreased to $3,100.00 and every time that you make a payment the balance does not decrease. You request an adjustment to the account, as you make $109.00 payments to the account each month. I am happy to share my findings. Bank records indicate the account was opened May 16, 2016, with a credit limit of $4,500.00. The credit limit was decreased to $3,100.00 on November 24, 2016, as the account was past due for more than one consecutive billing period. 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. Our records further indicate that from September 2016 through June 2017, excluding the months of February 2017 and March 2017, the minimum due amount was not met: which caused a late fee to be assessed to the balance each month. Although, you were making a payment of $109.00, with the applicable finance charge and late fee assessed, the balance increased. We suggest that you review your monthly billing statement to ensure that the minimum payment required is met each month. This will allow the balance to decrease over time. As of the date of this letter, the account has a valid balance of $3,107.33, with a minimum payment of $218.00 due by July 20, 2017. No billing adjustment is due at this time. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. Sincerely, Kaija Marshall Compliance Dept. – Consumer Responses cc: RevDex.com
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.Your complaint states that you paid your bill on the correct day and we are sending claims that the payment did not processYou also state that fraudulent payments are trying to be receivedYou would like the account to be credited the correct amount.Bank records indicate that you scheduled an online payment for $on May 6, On May 12, 2015, this payment was returned by your financial institution due to insufficient fundsAs such, the amount was debited back to your Victoria’s Secret/PINK account balance, and the account was charged a $returned payment feeOn May 13, 2015, you scheduled an additional payment online for $156.36, and this payment was returned on May 19, 2015, by your financial institution due to insufficient fundsAs such, the amount was debited back to your Victoria’s Secret/PINK account balance, and the account was charged a $returned payment feeAdditionally, because of the two returned payments in the last days, your charging privileges have been suspended.If you believe that you are a victim of fraud regarding your banking account, we encourage you to contact your financial institution and file a fraud claim so that they can investigate on your behalfIf they find that the payments stated above were fraud, please have your financial institution send us a letter to the address listed above, or send by fax to my attention at ###-###-####After receiving, we would be happy to remove the returned payment fees and reinstate your Victoria’s Secret/PINK account.Additional review of your account reflects that you made a fraud claim on December 31, 2014, stating that you never made a purchase of $by catalogueThe Bank’s Account Protection team investigated your claim of fraud, Fraud Case # [redacted] They concluded that you were responsible for the charge(s), as the order was shipped to your address listed in this complaint and you used the email address listed on your accountHowever, they did establish you with a new Victoria’s Secret/PINK credit card account ending in ***We hope this information is helpfulShould you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues Overstock.com credit card accounts, and we are here to help with your account-related questions I appreciate this opportunity to assist you We understand from your complaint that you contacted the Bank and during your call, when requesting a manager, you were hung up on Additionally, you state that you never received a bill for the alleged balance and confirmed they were sent to a wrong address Multiple fees have been assessed, and a payment of $was applied to the wrong account At this time you are requesting the late fees be removed, an update to your credit report, and an apology from the Bank I am happy to share my findings with you.We have reviewed the issues in your complaint as well as the applicable telephone conversations We apologize if you felt you did not receive the best customer service We never intend to treat our customers in a less-than-satisfactory manner We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met.Please find a summary of your Overstock.com account below I have enclosed a copy of the Credit Card Agreement (CCA), as well as copies of the billing statements which show the account activity that comprised the account balance and delinquencies which are reporting to the credit bureausThe Overstock.com account was opened on January 13, 2015; use of the account, or failure to close the account within days of receiving the CCA indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees.Bank records indicate the Overstock.com account was issued a statement on September 8, 2015, which reflected a balance of $with a minimum payment of $25.00, due by October 4, A statement was issued on October 9, 2015, which reflected a balance of $with a minimum payment of $30.00, due by November 4, A statement was issued on November 8, 2015, which reflected a balance of $and a minimum payment of $37.00, due by December 4, A statement was issued on December 9, 2015, with a balance of $and a minimum payment of $46.00, due by January 4, Due to non-receipt of payment, the account was reported to the credit-reporting agencies as three billing statements past due.Furthermore, on October 8, 2015, a phone call was placed to you by a representative of the Bank’s collection team This call was to advise you of the status of your Limited account, serviced by Comenity Bank During this call, you scheduled a $payment to bring your Limited account current, and you confirmed that your address on Nicole Drive in Milford, Connecticut was current Please be advised that the Overstock.com billing statements were issued to the Nicole Drive address and the Bank has no record of the statements being returned as undeliverable.On December 11, 2015, a phone call was placed to you by a representative of the Bank’s collection team to advise you of the status of the Overstock.com accountYou then updated the address to your State Street address, as shown above, and advised the statements were being sent to a previous address.Although no Bank errors were found, in the interest of customer service, a credit in the amount of $was applied to the Overstock.com account for late fees We encourage you to contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####), to set up payment arrangements.Please be advised, we are unwilling to update the payment history due to no Bank error Billing statements were mailed to the address listed on the account 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 agencies can be contacted with the below information:Experian (TRW) TransUnion (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.comWe hope this information is helpful Should you have any further questions or concerns regarding this letter, please contact me at ###-###-####5, ext [redacted] (TDD/TTY ###-###-####) I would be happy to assist you.Sincerely,KaiM [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the J.Crew credit cardWe are here to answer your questions and assist with your concernsWe understand from your correspondence, submitted to the Revdex.com, that you paid off the J.Crew account on April 3, Later, you received a letter of confirmation advising you of the zero balance on the account, and that the account had been closed per your requestYou state that the Bank has added late fees and finance charges to the accountYou are requesting all fees removedPlease be assured that credits totaling $have been applied to the account for the late fees and finance charges applied to the accountAdditionally, please note that the Bank has sent notification to the national credit-reporting agencies to remove the delinquencies regarding the J.Crew account from your credit filePlease allow days for credit-reporting agencies to update their recordsI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Renee S [redacted]
Dear [redacted] ***: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Capital Bank issues the HSN credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint that you purchased six items on February 28, 2017, using the HSN credit card accountYou state you returned these items on March 15, 2017, utilizing the included United States Postal Service (USPS), shipping labelAfter reviewing your May billing statement you noticed the items had not been credited and a late fee was assessedYou contacted the Bank and were informed there were no returns in the system, so you contacted HSN, who informed you there was a clerical issue and you would see a credit for the items in hoursYou received a letter dated May 15, 2017, from HSN indicating only one of the six items was returned and credited to the account; however, all items were returned togetherYou contacted HSN, who manually updated the system to show all items were returned; however, the credits would not post for 3-business daysYou conferenced the Bank, and were advised to pay the balance in full, and wait for the returns to post to the systemYou request all late fees and finance charges be returned to you, a letter confirming a zero balance, and a letter to the credit bureaus explaining the solutionI am happy to share my findings Please note that HSN and Comenity Capital Bank are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountHSN is responsible for handling matters related to sales, merchandise processing, returns and shipping Bank records indicate the account was opened on July 22, Use of the account, or failure to close the account within days of receiving the Credit Card Agreement, indicates your acceptance of the terms of the agreement, including the assessment of any finance charges and fees 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 A billing statement was issued February 13, 2017, with a balance of $and a minimum payment of $due by March 11, Due to no payment posting by the due date, a late fee and finance charge were assessed to the balance A billing statement was issued March 16, 2017, with a balance of $and a minimum payment of $due by April 11, Due to no payment posting by the due date, a late fee and finance charge were assessed to the account On May 11, 2017, the Bank representative credited the account $for the previously assessed late feeWe respectfully decline your request for a refund of the remaining Bank fees When you spoke with the Bank on May 24, 2017, the representative suggested you pay the minimum due to avoid a late fee, and if it was feasible, to pay the balance in full to avoid interest We reached out to HSN regarding the error you mentioned in your complaintThey informed us that you called on May 11, 2017, stating you returned item# [redacted] using the EZ return labelThe service representative initiated a return on order number [redacted] only, as there was no mention of any other orders being included in that packageThe representative issued a manual refund on May 12, Additionally, you contacted HSN on May 24, 2017, regarding the other five orders, and the representative issued a manual refund on this day for thoseHSN states the package didn’t make it back to the warehouse, and there are no comments or activity on the orders from USPS Please note, with the return credits and the payment made on June 11, 2017, for $26.65, the balance is zero We understand your concern regarding your credit reportWe have verified we are reporting the account correctly to the credit reporting agencies as we are required by lawPlease be assured no derogatory information has been reported regarding the accountYou may share this letter with the credit agencies I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] KaiM [redacted] Compliance Dept– Consumer Responses
Hello Revdex.com,Please be advised that this complaint needs to be sent to Comenity Bank as it is regarding the customer's Angel Card credit accountThis is solely managed by Comenity Bank and we do not have access, as a 3rd party, to resolve disputes regarding her credit card payments, billing statements, late fees, account status, ect.Sincerely, [redacted] Senior Customer Care SpecialistVictoria's Secret Digital/Stores
Dear Ms [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues gordmans credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you made a purchase at the gordmans store in [redacted] and while at the register you were offered a 30% discount if you applied for a credit card and you accepted this offered to open a gordmans account You also state that you already had your debit card in the machine and were advised by the store associate that all the information would be read from your debit card to complete the application Additionally, you indicate that you received a statement and you threw the statement away due to thinking that you paid for the purchases on your debit card Later you received another statement with fees assessed to the account You are requesting that the finance charges be removed from the account, and you will make the payment, and close your account I am happy to share my findings with youAfter a thorough review of the account, our records indicate that a gordmans account was opened on December 6, 2015, in the name of [redacted] At that time a purchase of $was placed on the credit cardOn December 9, 2015, a statement was issued to you with a balance of $with a minimum payment of $due on January 4, As no payment was received by the due date a late fee and finance charge were assessed to the accountOn January 9, 2016, a statement was issued to you with a balance of $with a minimum payment of $due on February 4, As no payment was received by the due date another late fee and finance charge were assessed to the account As statements continued to be issued for the months of February through April and no payment has been received; additional late fees and finance charges were assessed to the accountPlease keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement (CCA) Enclosed are the statements referenced above and a copy of the CCA for your recordsAs of the date of this letter, the balance on the account is $348.83, and the account reflects four billing cycles past due If the account exceeds six billing cycles past due the account will be closed, written off and reported to the national credit reporting agencies as an unpaid debt As the Bank finds these fees valid, we are unwilling to remove any fees from the gordmans account We encourage you to contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####), to discuss suitable payment arrangements On April 20, 2016, the account was closed per your requestWe value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions about your account, please contact our Payment Solutions team at the telephone number provided They will be happy to assist youSincerely, Renee S***
Once again, Comenity claim to have sent me a letter, which I never receivedThat will be the seventh letter that Comenity claim USPS have failed to deliverI do not believe USPS lost a single oneThey also state:" On April 24, 2017, the Bank submitted a request to the credit reporting agencies for the Trek credit card account to be deleted from your credit bureau reportWhen this request is made it may take up to business days to be completed"That was days agoNeither Trans-union nor Experian have removed the adverse entry.What I would like to have heard from Comenity is why they entered the adverse entry to my credit report before before they had investigated the matter thoroughly, and what steps they plan to take going forward to ensure other non-customers are not inconvenienced and financially out of pocket as a result of their failure to investigate matters properly Would they have responded at all unless Revdex.com prompted them to do the right thing? Regards, [redacted]
Dear Ms [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced accountsComenity Bankissues the above-referenced credit card accounts, and we are here to help with account-related questionsYourcomplaint was forwarded to my attention, and I appreciate the opportunity to assist you.Your correspondence states that, during a conversation with the Bank, you told the representative you could notmake a payment until August 26, During that conversation, you scheduled payments for your abovereferencedaccounts to be made on August 26, When you checked your deposit account on August 26,2016, you found that two attempts to withdraw the funds from your personal deposit account had been made foreach account before August 26, 2016, resulting in six overdraft fees of $from your bankYou called theBank and were told to file a disputeYou asked the representative to listen to the applicable telephone call andat first, were given incorrect information regarding the content of the conversationSubsequently, you listenedto the call simultaneously with a Bank representative and found that you had in fact requested the payments tobe arranged for August 26, 2016.We previously received and responded to your correspondence submitted to the State of Delaware regardingthis same matterPlease find enclosed a copy of our response sent to you on October 21, 2016.In our previous response, we advised that you did in fact request the payments to be scheduled for August 26,2016; however, when the representative read back the details of the transactions during the disclosure, sheconfirmed the payments would be processed on August 16, 2016; and you agreed to the termsWe apologizefor the inconvenience this has causedWe never intend to treat our customers in a less-than satisfactory manner.We are committed to providing the best customer service and are disappointed when a customer feels thisstandard was not metPlease be assured this matter has been forwarded to our management team for furtherreview and coaching.I hope you found this information to be helpfulShould you have any additional questions or concerns about theaccount, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####).Sincerely,Amanda R**
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: We always paid between the 1ith and 19th The business processes the payment a week later which they do on purpose to charge their customers late fees There were only two instances that we paid after the 19th Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concernsYour correspondence states that your account is caught up on payments and that you were never notified or read your mini Miranda rights before the Bank reported your account delinquent to the national credit reporting agenciesYou are requesting that the Bank remove all the delinquencies from your credit bureau reportWe understand your concerns and apologize for any inconvenience or frustration this matter may have caused youPlease keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card AgreementBank records indicate that your due date is the 13th of each monthPlease be advised that on May 18, 2017, the Bank issued a statement to you showing a balance of $with a minimum payment of $due by June 13, The Bank did not receive your payment and as a result, a late fee was assessed to your accountYour account became one billing period past dueOn June 17, 2017, a statement was issued showing a balance of $with a minimum payment of $due by July 13, The Bank did not receive a payment and as a result, a late fee was assessed to your accountYour account became two billing periods past dueOn July 18, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by August 13, The Bank did not receive a payment and as a result, a late fee was assessed to your accountYour account became three billings past dueOn August 18, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by September 13, The Bank received a payment of $on August 25, 2017, and a payment of $on September 1, 2017, which brought the account currentPlease be advised that any time an account falls two or more billing periods past due, the Bank will report the account as delinquent to the national credit reporting agenciesFurthermore, the Bank is only willing to remove or change information that our company incorrectly furnished to the credit reporting agenciesWe have verified we are reporting the account correctly to the credit reporting agenciesWe are required by law to report factual informationTherefore, this information will not be changed or removed from your credit bureau reportI hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at [redacted] Sincerely, Jenny W***
:comenity bank provided evidence where it demonstrate as shown on the letter dated September , to address [redacted] & that's proof that bank maded error or manipulated system As shown credit card was open May & bank was notified on multiple occasions that credit card was never received & I never authorized any charges , however bank claims purchases were made online & stores but bank did not provide factual evidence of IP address , signature , etc Also , how did bank / west elm delivered merchandise as they are claiming to [redacted] address sometimes in July? If so that means bank knew correct address & why credit card was open for months & not shut down ? Bank failed big time , they are practicing fraudelant business & manipulates the federal agencies , they know they are wrong & bank actions are so illegal ! Bank must be hold accountable regarding this case & it will be done so in the court of law Bank claims their position remains ' unchanged ' guess what mine too ! Revdex.com look up the reviews of former & current consumers , it shows how comenity bank violated & manipulated its clients , all reviews are accurate &99% negative , more than consumers filed complaints against comenity bank with different government agencies ! We are done here I simply have no time to waste & this case must go on in the court of law [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Pottery Barn credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you ordered online and returned some products... to the store. You state that you were to receive credit for $220.42 back to your Pottery Barn account on January 9, 2017. You have not received credit for the return number # [redacted] and you would like credit of $220.42 applied to your account.Please be assured that I reviewed your account at the Bank and with Pottery Barn. I am happy to share my findings.Pottery Barn confirmed that order # [redacted] 682 was placed on November 8, 2016. The return of the merchandise was on January 9, 2016, and outside of the written 30-day return policy for Pottery Barn. As such, the credit was issued to you in form of a merchandise card, valued at $220.42, on January 10, 2017. The merchandise card number is # [redacted] Because you were provided the merchandise credit, in the form of the card noted above, we are unwilling to credit your account. Enclosed is a copy of Pottery Barn’s return policy. If you have questions with regard to the merchandise credit, please contact Pottery Barn at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y***
The statements made in the response I find unacceptableI did call customer service and them stating that I they have no record of the call is bogus but not surprisingAnd I say that because the person I called and spoke with to discuss my order is the one that told me they could not do anything to help meWhen I asked to speak to transfer me to the complaint department, she stated that she takes complaintsNo business should not have a complaint departmentI asked to speak to her supervisor and she put me on hold and then said her supervisor was busy but that her response would be the sameSo to receive a response from the customer response specialist that they have NO record of my call, I am not surprised to hearI did in fact call customer service and I have the phone records to prove it.Also, the "thorough" review of my account is also inaccurateI have an email (see attached) dated April 24th with a bill for $119.69, and the response letter from them is dated 4/So there was NO thorough reviewReferencing a purchase almost a year ago would not justify me filing a Revdex.com claim this far out.The concern is that I put in my MC to have the purchase applied to that card, but it was instead charged to my Avenue Credit CardI will be closing my Avenue account to avoid any further "mishaps" of this nature in the futureAnd will no longer be making online purchases with this companyOr frequent their store locationsThere business practices, including their customer service I find to be unacceptableAs well as the response received Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me Thank you so much for your help in this matter Regards, [redacted]
Dear Ms [redacted] :We are in receipt of your complaint regarding the above-referenced accountComenity Bankissues Peebles credit card accounts, and we respond to all account-related questionsYourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate the opportunity to respond to your concerns.We understand from the complaint, on August 6, 2016, you applied for a Peebles credit cardaccountYou were informed by the Peebles store associate that you were approved for the creditcard, and used the card to make purchases that same dayYou received the Peebles monthlybilling statement within a few weeks; however, the statement reflected your mother's information.You contacted Comenity Bank to resolve this matter; however, our Customer CareRepresentative was unable to locate your account information to resolve this matterIn addition,you received correspondence from Cornenity Bank informing you that our records indicate youhave an existing Peebles credit card account; however, you have never previously applied for aPeebles credit card accountYou sent a letter to Comenity Bank inquiring how the Bank handlesconsumer personal information; however, you have not received a response from Comenity Bank,addressing your concerns.You are requesting Comenity Bank provide you with a written explanation addressing how theBank handles consumer personal information during, and after, submitting a credit cardapplicationYou would also like to understand why you were verbally advised you were approvedfor an application; however, the account information provided was your mother's information.Lastly, you would like to know why you were advised that you had an existing Peebles credit cardaccount; however, your personal account information was unable to be located when you calledto address your concerns.We apologize for any inconvenience or frustration you may have experienced as a result of thismatterPlease be assured, the Bank has reviewed the issues in your complaint, as well as theapplicable phone conversations, and would like to share our findings:On August 6, 2016, the Peebles store associate called to submit a new account application foryou, and our representative entered your informationDue to the provided address, last name,and first initial already being on file, the application was flagged that the applicant may have apre-existing accountOur representative incorrectly reviewed your mother's account as youraccount; as such, the store associate was provided with your mother's account numberPleasebe assured, due to the information provided for the application being matched to your mother'saccount, your personal credit information was not processed.Please note, calls of this nature are reviewed by management so additional coaching can beprovided to our associates to ensure that customers are provided with accurate information.To appIy for a Peebles credit card account, please visit the website:http://www.peebles.com.I hope you find this information helpfulShould you have any further questions or concerns;please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)will be happyto assist you.Sincerely,Consumer Relations SpecialistCC: Revdex.com
Deaf Mr [redacted] Thank you for your additional complaint, addressed to the Revdex.com, regardingthe above-noted accountComenity Bank issues Meijer credit card accounts and we respond toall account-related questionsYour complaint was forwarded to my attention, and I appreciatethis opportunity to assist you.Your complaint indicates you are rejecting my response because you have submitted two lettersfrom your Bank in September providing information regarding your paymentWe apologize forany inconvenience or misunderstanding you may have experienced regarding this matter.The letter dated August 20, 2015, was included with my previous response because it detailsthe information we need in order to locate your missing paymentWe appreciate the lettersfrom your bank; however, we are not able to research the payment with a copy of your bankstatement.Please be advised, in the interest of customer service, a credit in the amount of $hasbeen issued to your account, to remove the remaining balancePlease be assured we haveinstructed the national credit-reporting agencies to remove the delinquencies that were reportedfor September through December 2015, from your credit filePlease allow days for thecredit-reporting agencies to update their information.We hope you find this informatttion to be helpfulIf you have any additional questions orconcerns, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####).Sincerely,Rosa M [redacted]
I have submitted a response to Jordan N [redacted] in the Compliance Department of Comenity Bank as well the State of Delaware Banking Commissioner's I am submitting a copy of all the documents mailed via first class mail to Jordan N [redacted] and the Banking Commissioners The Representatives of Comeniity continue to reject their responsibility for violating the FCRA for a period of six years Comenity Bank has intentionally given inaccurate information to the Credit Reporting Agencies, the Ohio Revdex.com, and the State of Delaware Banking Commissioners I have no need of further communication with MsM [redacted] as she has conceivably acknowledge her privilege to circumvent an honest response to resolve an apparent Company falsification of legal documents Regards [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced credit card accountComenity Bank issues the Herberger’s credit card accountWe are here to answer your questions and assist with your concernsYour correspondence states that you were late with a payment and the Bank called a phone number belonging to your sister regarding your accountYou would like to know how the Bank got your sister’s phone number and knew she was related to youFurthermore, you would like this account closed and some type of store compensationWe apologize for any frustration or inconvenience this matter may have caused youBank records indicate that you had a payment due by September 5, The Bank did not receive a payment; therefore, your payment became one billing period past dueBank records indicate that the phone number ending in [redacted] was the phone number provided to us when the account was openedWhen the Bank’s records show that the full minimum payment amount due is not received by the due date, the Bank will make attempts to contact you regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusPlease be advised that the Bank declines your request for compensationI hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at [redacted] Sincerely, Jenny W***
Dear [redacted] Comenity Bank (Bank) has received your correspondenceWe are here to answer your questions and assist with your concernsWe would like to assist you in resolving this matterComenity Bank issues Dress Barn credit cardsPlease note Comenity Bank and Dress Barn are two separate entitiesThe Bank issues, and is responsible for addressing questions related to, the Dress Barn credit card accountDress Barn is responsible for handling matters related to sales, merchandise processing, returns and shippingAfter a review of our records, we were unable to locate a Dress Barn account or an email address using the information you providedIn your correspondence, you indicated that you had email confirmations savedPlease provide us copies of the emailsOnce this information has been received, we will be able to further investigatePlease send this information to my attention at the address shown aboveIn addition, you have asked that you receive no more emails from [redacted] Please be advised that Comenity Bank and [redacted] have no associationWe encourage you to contact [redacted] [redacted] directly to resolve any concerns you may haveIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Shawnda Y [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Wayfair Card credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you opened a Wayfair Card account... with a credit limit of $4,500.00. You state that you continue to pay your bill; and that you only skipped a payment or two. Due to this matter the credit limit was decreased to $3,100.00 and every time that you make a payment the balance does not decrease. You request an adjustment to the account, as you make $109.00 payments to the account each month. I am happy to share my findings. Bank records indicate the account was opened May 16, 2016, with a credit limit of $4,500.00. The credit limit was decreased to $3,100.00 on November 24, 2016, as the account was past due for more than one consecutive billing period. 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. Our records further indicate that from September 2016 through June 2017, excluding the months of February 2017 and March 2017, the minimum due amount was not met: which caused a late fee to be assessed to the balance each month. Although, you were making a payment of $109.00, with the applicable finance charge and late fee assessed, the balance increased. We suggest that you review your monthly billing statement to ensure that the minimum payment required is met each month. This will allow the balance to decrease over time. As of the date of this letter, the account has a valid balance of $3,107.33, with a minimum payment of $218.00 due by July 20, 2017. No billing adjustment is due at this time. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. Sincerely, Kaija Marshall Compliance Dept. – Consumer Responses cc: RevDex.com
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.Your complaint states that you paid your bill on the correct day and we are sending claims that the payment did not processYou also state that fraudulent payments are trying to be receivedYou would like the account to be credited the correct amount.Bank records indicate that you scheduled an online payment for $on May 6, On May 12, 2015, this payment was returned by your financial institution due to insufficient fundsAs such, the amount was debited back to your Victoria’s Secret/PINK account balance, and the account was charged a $returned payment feeOn May 13, 2015, you scheduled an additional payment online for $156.36, and this payment was returned on May 19, 2015, by your financial institution due to insufficient fundsAs such, the amount was debited back to your Victoria’s Secret/PINK account balance, and the account was charged a $returned payment feeAdditionally, because of the two returned payments in the last days, your charging privileges have been suspended.If you believe that you are a victim of fraud regarding your banking account, we encourage you to contact your financial institution and file a fraud claim so that they can investigate on your behalfIf they find that the payments stated above were fraud, please have your financial institution send us a letter to the address listed above, or send by fax to my attention at ###-###-####After receiving, we would be happy to remove the returned payment fees and reinstate your Victoria’s Secret/PINK account.Additional review of your account reflects that you made a fraud claim on December 31, 2014, stating that you never made a purchase of $by catalogueThe Bank’s Account Protection team investigated your claim of fraud, Fraud Case # [redacted] They concluded that you were responsible for the charge(s), as the order was shipped to your address listed in this complaint and you used the email address listed on your accountHowever, they did establish you with a new Victoria’s Secret/PINK credit card account ending in ***We hope this information is helpfulShould you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues Overstock.com credit card accounts, and we are here to help with your account-related questions I appreciate this opportunity to assist you We understand from your complaint that you contacted the Bank and during your call, when requesting a manager, you were hung up on Additionally, you state that you never received a bill for the alleged balance and confirmed they were sent to a wrong address Multiple fees have been assessed, and a payment of $was applied to the wrong account At this time you are requesting the late fees be removed, an update to your credit report, and an apology from the Bank I am happy to share my findings with you.We have reviewed the issues in your complaint as well as the applicable telephone conversations We apologize if you felt you did not receive the best customer service We never intend to treat our customers in a less-than-satisfactory manner We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met.Please find a summary of your Overstock.com account below I have enclosed a copy of the Credit Card Agreement (CCA), as well as copies of the billing statements which show the account activity that comprised the account balance and delinquencies which are reporting to the credit bureausThe Overstock.com account was opened on January 13, 2015; use of the account, or failure to close the account within days of receiving the CCA indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees.Bank records indicate the Overstock.com account was issued a statement on September 8, 2015, which reflected a balance of $with a minimum payment of $25.00, due by October 4, A statement was issued on October 9, 2015, which reflected a balance of $with a minimum payment of $30.00, due by November 4, A statement was issued on November 8, 2015, which reflected a balance of $and a minimum payment of $37.00, due by December 4, A statement was issued on December 9, 2015, with a balance of $and a minimum payment of $46.00, due by January 4, Due to non-receipt of payment, the account was reported to the credit-reporting agencies as three billing statements past due.Furthermore, on October 8, 2015, a phone call was placed to you by a representative of the Bank’s collection team This call was to advise you of the status of your Limited account, serviced by Comenity Bank During this call, you scheduled a $payment to bring your Limited account current, and you confirmed that your address on Nicole Drive in Milford, Connecticut was current Please be advised that the Overstock.com billing statements were issued to the Nicole Drive address and the Bank has no record of the statements being returned as undeliverable.On December 11, 2015, a phone call was placed to you by a representative of the Bank’s collection team to advise you of the status of the Overstock.com accountYou then updated the address to your State Street address, as shown above, and advised the statements were being sent to a previous address.Although no Bank errors were found, in the interest of customer service, a credit in the amount of $was applied to the Overstock.com account for late fees We encourage you to contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####), to set up payment arrangements.Please be advised, we are unwilling to update the payment history due to no Bank error Billing statements were mailed to the address listed on the account 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 agencies can be contacted with the below information:Experian (TRW) TransUnion (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.comWe hope this information is helpful Should you have any further questions or concerns regarding this letter, please contact me at ###-###-####5, ext [redacted] (TDD/TTY ###-###-####) I would be happy to assist you.Sincerely,KaiM [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the J.Crew credit cardWe are here to answer your questions and assist with your concernsWe understand from your correspondence, submitted to the Revdex.com, that you paid off the J.Crew account on April 3, Later, you received a letter of confirmation advising you of the zero balance on the account, and that the account had been closed per your requestYou state that the Bank has added late fees and finance charges to the accountYou are requesting all fees removedPlease be assured that credits totaling $have been applied to the account for the late fees and finance charges applied to the accountAdditionally, please note that the Bank has sent notification to the national credit-reporting agencies to remove the delinquencies regarding the J.Crew account from your credit filePlease allow days for credit-reporting agencies to update their recordsI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Renee S [redacted]
Dear [redacted] ***: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Capital Bank issues the HSN credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint that you purchased six items on February 28, 2017, using the HSN credit card accountYou state you returned these items on March 15, 2017, utilizing the included United States Postal Service (USPS), shipping labelAfter reviewing your May billing statement you noticed the items had not been credited and a late fee was assessedYou contacted the Bank and were informed there were no returns in the system, so you contacted HSN, who informed you there was a clerical issue and you would see a credit for the items in hoursYou received a letter dated May 15, 2017, from HSN indicating only one of the six items was returned and credited to the account; however, all items were returned togetherYou contacted HSN, who manually updated the system to show all items were returned; however, the credits would not post for 3-business daysYou conferenced the Bank, and were advised to pay the balance in full, and wait for the returns to post to the systemYou request all late fees and finance charges be returned to you, a letter confirming a zero balance, and a letter to the credit bureaus explaining the solutionI am happy to share my findings Please note that HSN and Comenity Capital Bank are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountHSN is responsible for handling matters related to sales, merchandise processing, returns and shipping Bank records indicate the account was opened on July 22, Use of the account, or failure to close the account within days of receiving the Credit Card Agreement, indicates your acceptance of the terms of the agreement, including the assessment of any finance charges and fees 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 A billing statement was issued February 13, 2017, with a balance of $and a minimum payment of $due by March 11, Due to no payment posting by the due date, a late fee and finance charge were assessed to the balance A billing statement was issued March 16, 2017, with a balance of $and a minimum payment of $due by April 11, Due to no payment posting by the due date, a late fee and finance charge were assessed to the account On May 11, 2017, the Bank representative credited the account $for the previously assessed late feeWe respectfully decline your request for a refund of the remaining Bank fees When you spoke with the Bank on May 24, 2017, the representative suggested you pay the minimum due to avoid a late fee, and if it was feasible, to pay the balance in full to avoid interest We reached out to HSN regarding the error you mentioned in your complaintThey informed us that you called on May 11, 2017, stating you returned item# [redacted] using the EZ return labelThe service representative initiated a return on order number [redacted] only, as there was no mention of any other orders being included in that packageThe representative issued a manual refund on May 12, Additionally, you contacted HSN on May 24, 2017, regarding the other five orders, and the representative issued a manual refund on this day for thoseHSN states the package didn’t make it back to the warehouse, and there are no comments or activity on the orders from USPS Please note, with the return credits and the payment made on June 11, 2017, for $26.65, the balance is zero We understand your concern regarding your credit reportWe have verified we are reporting the account correctly to the credit reporting agencies as we are required by lawPlease be assured no derogatory information has been reported regarding the accountYou may share this letter with the credit agencies I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] KaiM [redacted] Compliance Dept– Consumer Responses
Hello Revdex.com,Please be advised that this complaint needs to be sent to Comenity Bank as it is regarding the customer's Angel Card credit accountThis is solely managed by Comenity Bank and we do not have access, as a 3rd party, to resolve disputes regarding her credit card payments, billing statements, late fees, account status, ect.Sincerely, [redacted] Senior Customer Care SpecialistVictoria's Secret Digital/Stores
Dear Ms [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues gordmans credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you made a purchase at the gordmans store in [redacted] and while at the register you were offered a 30% discount if you applied for a credit card and you accepted this offered to open a gordmans account You also state that you already had your debit card in the machine and were advised by the store associate that all the information would be read from your debit card to complete the application Additionally, you indicate that you received a statement and you threw the statement away due to thinking that you paid for the purchases on your debit card Later you received another statement with fees assessed to the account You are requesting that the finance charges be removed from the account, and you will make the payment, and close your account I am happy to share my findings with youAfter a thorough review of the account, our records indicate that a gordmans account was opened on December 6, 2015, in the name of [redacted] At that time a purchase of $was placed on the credit cardOn December 9, 2015, a statement was issued to you with a balance of $with a minimum payment of $due on January 4, As no payment was received by the due date a late fee and finance charge were assessed to the accountOn January 9, 2016, a statement was issued to you with a balance of $with a minimum payment of $due on February 4, As no payment was received by the due date another late fee and finance charge were assessed to the account As statements continued to be issued for the months of February through April and no payment has been received; additional late fees and finance charges were assessed to the accountPlease keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement (CCA) Enclosed are the statements referenced above and a copy of the CCA for your recordsAs of the date of this letter, the balance on the account is $348.83, and the account reflects four billing cycles past due If the account exceeds six billing cycles past due the account will be closed, written off and reported to the national credit reporting agencies as an unpaid debt As the Bank finds these fees valid, we are unwilling to remove any fees from the gordmans account We encourage you to contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####), to discuss suitable payment arrangements On April 20, 2016, the account was closed per your requestWe value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions about your account, please contact our Payment Solutions team at the telephone number provided They will be happy to assist youSincerely, Renee S***
Once again, Comenity claim to have sent me a letter, which I never receivedThat will be the seventh letter that Comenity claim USPS have failed to deliverI do not believe USPS lost a single oneThey also state:" On April 24, 2017, the Bank submitted a request to the credit reporting agencies for the Trek credit card account to be deleted from your credit bureau reportWhen this request is made it may take up to business days to be completed"That was days agoNeither Trans-union nor Experian have removed the adverse entry.What I would like to have heard from Comenity is why they entered the adverse entry to my credit report before before they had investigated the matter thoroughly, and what steps they plan to take going forward to ensure other non-customers are not inconvenienced and financially out of pocket as a result of their failure to investigate matters properly Would they have responded at all unless Revdex.com prompted them to do the right thing? Regards, [redacted]
Dear Ms [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced accountsComenity Bankissues the above-referenced credit card accounts, and we are here to help with account-related questionsYourcomplaint was forwarded to my attention, and I appreciate the opportunity to assist you.Your correspondence states that, during a conversation with the Bank, you told the representative you could notmake a payment until August 26, During that conversation, you scheduled payments for your abovereferencedaccounts to be made on August 26, When you checked your deposit account on August 26,2016, you found that two attempts to withdraw the funds from your personal deposit account had been made foreach account before August 26, 2016, resulting in six overdraft fees of $from your bankYou called theBank and were told to file a disputeYou asked the representative to listen to the applicable telephone call andat first, were given incorrect information regarding the content of the conversationSubsequently, you listenedto the call simultaneously with a Bank representative and found that you had in fact requested the payments tobe arranged for August 26, 2016.We previously received and responded to your correspondence submitted to the State of Delaware regardingthis same matterPlease find enclosed a copy of our response sent to you on October 21, 2016.In our previous response, we advised that you did in fact request the payments to be scheduled for August 26,2016; however, when the representative read back the details of the transactions during the disclosure, sheconfirmed the payments would be processed on August 16, 2016; and you agreed to the termsWe apologizefor the inconvenience this has causedWe never intend to treat our customers in a less-than satisfactory manner.We are committed to providing the best customer service and are disappointed when a customer feels thisstandard was not metPlease be assured this matter has been forwarded to our management team for furtherreview and coaching.I hope you found this information to be helpfulShould you have any additional questions or concerns about theaccount, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####).Sincerely,Amanda R**
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: We always paid between the 1ith and 19th The business processes the payment a week later which they do on purpose to charge their customers late fees There were only two instances that we paid after the 19th Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concernsYour correspondence states that your account is caught up on payments and that you were never notified or read your mini Miranda rights before the Bank reported your account delinquent to the national credit reporting agenciesYou are requesting that the Bank remove all the delinquencies from your credit bureau reportWe understand your concerns and apologize for any inconvenience or frustration this matter may have caused youPlease keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card AgreementBank records indicate that your due date is the 13th of each monthPlease be advised that on May 18, 2017, the Bank issued a statement to you showing a balance of $with a minimum payment of $due by June 13, The Bank did not receive your payment and as a result, a late fee was assessed to your accountYour account became one billing period past dueOn June 17, 2017, a statement was issued showing a balance of $with a minimum payment of $due by July 13, The Bank did not receive a payment and as a result, a late fee was assessed to your accountYour account became two billing periods past dueOn July 18, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by August 13, The Bank did not receive a payment and as a result, a late fee was assessed to your accountYour account became three billings past dueOn August 18, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by September 13, The Bank received a payment of $on August 25, 2017, and a payment of $on September 1, 2017, which brought the account currentPlease be advised that any time an account falls two or more billing periods past due, the Bank will report the account as delinquent to the national credit reporting agenciesFurthermore, the Bank is only willing to remove or change information that our company incorrectly furnished to the credit reporting agenciesWe have verified we are reporting the account correctly to the credit reporting agenciesWe are required by law to report factual informationTherefore, this information will not be changed or removed from your credit bureau reportI hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at [redacted] Sincerely, Jenny W***
:comenity bank provided evidence where it demonstrate as shown on the letter dated September , to address [redacted] & that's proof that bank maded error or manipulated system As shown credit card was open May & bank was notified on multiple occasions that credit card was never received & I never authorized any charges , however bank claims purchases were made online & stores but bank did not provide factual evidence of IP address , signature , etc Also , how did bank / west elm delivered merchandise as they are claiming to [redacted] address sometimes in July? If so that means bank knew correct address & why credit card was open for months & not shut down ? Bank failed big time , they are practicing fraudelant business & manipulates the federal agencies , they know they are wrong & bank actions are so illegal ! Bank must be hold accountable regarding this case & it will be done so in the court of law Bank claims their position remains ' unchanged ' guess what mine too ! Revdex.com look up the reviews of former & current consumers , it shows how comenity bank violated & manipulated its clients , all reviews are accurate &99% negative , more than consumers filed complaints against comenity bank with different government agencies ! We are done here I simply have no time to waste & this case must go on in the court of law [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Pottery Barn credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you ordered online and returned some products... to the store. You state that you were to receive credit for $220.42 back to your Pottery Barn account on January 9, 2017. You have not received credit for the return number # [redacted] and you would like credit of $220.42 applied to your account.Please be assured that I reviewed your account at the Bank and with Pottery Barn. I am happy to share my findings.Pottery Barn confirmed that order # [redacted] 682 was placed on November 8, 2016. The return of the merchandise was on January 9, 2016, and outside of the written 30-day return policy for Pottery Barn. As such, the credit was issued to you in form of a merchandise card, valued at $220.42, on January 10, 2017. The merchandise card number is # [redacted] Because you were provided the merchandise credit, in the form of the card noted above, we are unwilling to credit your account. Enclosed is a copy of Pottery Barn’s return policy. If you have questions with regard to the merchandise credit, please contact Pottery Barn at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y***
The statements made in the response I find unacceptableI did call customer service and them stating that I they have no record of the call is bogus but not surprisingAnd I say that because the person I called and spoke with to discuss my order is the one that told me they could not do anything to help meWhen I asked to speak to transfer me to the complaint department, she stated that she takes complaintsNo business should not have a complaint departmentI asked to speak to her supervisor and she put me on hold and then said her supervisor was busy but that her response would be the sameSo to receive a response from the customer response specialist that they have NO record of my call, I am not surprised to hearI did in fact call customer service and I have the phone records to prove it.Also, the "thorough" review of my account is also inaccurateI have an email (see attached) dated April 24th with a bill for $119.69, and the response letter from them is dated 4/So there was NO thorough reviewReferencing a purchase almost a year ago would not justify me filing a Revdex.com claim this far out.The concern is that I put in my MC to have the purchase applied to that card, but it was instead charged to my Avenue Credit CardI will be closing my Avenue account to avoid any further "mishaps" of this nature in the futureAnd will no longer be making online purchases with this companyOr frequent their store locationsThere business practices, including their customer service I find to be unacceptableAs well as the response received Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me Thank you so much for your help in this matter Regards, [redacted]
Dear Ms [redacted] :We are in receipt of your complaint regarding the above-referenced accountComenity Bankissues Peebles credit card accounts, and we respond to all account-related questionsYourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate the opportunity to respond to your concerns.We understand from the complaint, on August 6, 2016, you applied for a Peebles credit cardaccountYou were informed by the Peebles store associate that you were approved for the creditcard, and used the card to make purchases that same dayYou received the Peebles monthlybilling statement within a few weeks; however, the statement reflected your mother's information.You contacted Comenity Bank to resolve this matter; however, our Customer CareRepresentative was unable to locate your account information to resolve this matterIn addition,you received correspondence from Cornenity Bank informing you that our records indicate youhave an existing Peebles credit card account; however, you have never previously applied for aPeebles credit card accountYou sent a letter to Comenity Bank inquiring how the Bank handlesconsumer personal information; however, you have not received a response from Comenity Bank,addressing your concerns.You are requesting Comenity Bank provide you with a written explanation addressing how theBank handles consumer personal information during, and after, submitting a credit cardapplicationYou would also like to understand why you were verbally advised you were approvedfor an application; however, the account information provided was your mother's information.Lastly, you would like to know why you were advised that you had an existing Peebles credit cardaccount; however, your personal account information was unable to be located when you calledto address your concerns.We apologize for any inconvenience or frustration you may have experienced as a result of thismatterPlease be assured, the Bank has reviewed the issues in your complaint, as well as theapplicable phone conversations, and would like to share our findings:On August 6, 2016, the Peebles store associate called to submit a new account application foryou, and our representative entered your informationDue to the provided address, last name,and first initial already being on file, the application was flagged that the applicant may have apre-existing accountOur representative incorrectly reviewed your mother's account as youraccount; as such, the store associate was provided with your mother's account numberPleasebe assured, due to the information provided for the application being matched to your mother'saccount, your personal credit information was not processed.Please note, calls of this nature are reviewed by management so additional coaching can beprovided to our associates to ensure that customers are provided with accurate information.To appIy for a Peebles credit card account, please visit the website:http://www.peebles.com.I hope you find this information helpfulShould you have any further questions or concerns;please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)will be happyto assist you.Sincerely,Consumer Relations SpecialistCC: Revdex.com
Deaf Mr [redacted] Thank you for your additional complaint, addressed to the Revdex.com, regardingthe above-noted accountComenity Bank issues Meijer credit card accounts and we respond toall account-related questionsYour complaint was forwarded to my attention, and I appreciatethis opportunity to assist you.Your complaint indicates you are rejecting my response because you have submitted two lettersfrom your Bank in September providing information regarding your paymentWe apologize forany inconvenience or misunderstanding you may have experienced regarding this matter.The letter dated August 20, 2015, was included with my previous response because it detailsthe information we need in order to locate your missing paymentWe appreciate the lettersfrom your bank; however, we are not able to research the payment with a copy of your bankstatement.Please be advised, in the interest of customer service, a credit in the amount of $hasbeen issued to your account, to remove the remaining balancePlease be assured we haveinstructed the national credit-reporting agencies to remove the delinquencies that were reportedfor September through December 2015, from your credit filePlease allow days for thecredit-reporting agencies to update their information.We hope you find this informatttion to be helpfulIf you have any additional questions orconcerns, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####).Sincerely,Rosa M [redacted]