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 concerns You state you ordered merchandise onlineAlthough the items showed in stock at the time you made your order, and you received emails stating the items were stock, when you received your order you were notified that the items were discontinuedYou state you lost your job in January of 2017, and you missed a few paymentsWhen you alerted the Bank, you were refunded $of $in late feesYou further state you were being charged for [redacted] , and they could not do anything for youAdditionally, even though you made a payment on your due date of April 11, 2017, you were charged another late feeWhen you called the Bank to inquire about this matter, the representative stated she could see that you paid, but there was nothing that could be doneYou are requesting to have all of the late fees removed from the account, your credit report corrected, and [redacted] cancelledWe sincerely apologize for any frustration or inconvenience this matter may have caused you Please understand that Comenity Bank and Victoria’s Secret are two separate entitiesComenity Bank is responsible for addressing questions related to Victoria’s Secret Angel credit card accounts, while Victoria’s Secret is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality For questions regarding merchandise ordered, please contact Victoria’s Secret Catalog Customer Service at ###-###-#### [redacted] is offered by a third party vendor, *** [redacted] is an optional debt cancellation program that can cancel your balance if you become involuntarily unemployed, hospitalized, disabled or should you pass awayThe monthly fee is $per $of your outstanding balanceIf there is no balance at billing, there is no chargeThe account was enrolled in [redacted] on January 17, 2012, via phone, when you called to activate your credit card On May 22, 2017, you spoke with a representative of the Bank and requested to have [redacted] cancelled, and you stated that you did not recall enrolling in the programAs a result, the [redacted] program was cancelled, at your request, and a courtesy of $for one [redacted] fee was given We contacted ***, on your behalf, and they confirmed that no claim had been receivedIf your date of loss was during the time you were enrolled in [redacted] , you may still be eligible to file a claimPlease contact [redacted] directly at ###-###-#### if you have any questions or would like to file a claim 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, a late fee and a finance charge may be assessed to the account, as explained in the Credit Card Agreement On March 15, 2017, you spoke with a representative of the BankDuring the conversation, the representative issued a $late fee credit to the account, as a courtesy On April 11, 2017, a phone payment of $was made, using the Bank’s automated systemThe phone payment you made on April 11, 2017, for $was submitted at 9:p.mEastern Time (ET) which was after the cutoff timeframe of 8:p.mET for same-day processing; therefore, the payment was not posted to your account until the following dayPlease be advised that our payment cut off timeframes are disclosed on your monthly billing statement under a section called "Payments"All fees are valid and they were assessed in accordance to your Credit Card Agreement To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your account Online: Online payments submitted through the Bank’s online Account Center before 8:p.mEastern Time (ET) will be credited to your account on the same day, unless you select a date in the futureOnline payments submitted after 8:p.mET will be credited the following day (or on a future scheduled payment date) Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing up to days for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter On April 24, 2017, you spoke with a representative of the Bank and asked why the late fee was charged to the accountThe representative advised that because the phone payment on April 11, 2017, was received after the cut off time of 8:p.mET a late fee was assessed to the accountYou stated you were not aware of the cutoff timeframe, and that you were going to close your accountHowever, the call ended before the representative was able to close your account Although we find the late fees to be valid, on May 24, 2017, the Bank issued an additional late fee credit of $25.00, as a courtesy Please be assured, no negative payment information has been reported to the credit-reporting agencies, as a result of this matter Your Victoria’s Secret Angel credit card account is open, and is in good standingIf it is your intention to have your Victoria’s Secret Angel credit card account closed, please contact our Customer Care team at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, [redacted] Compliance Dept– Consumer Responses
Hello,Comenity Capital Bank received the complaint for [redacted] - Jennifer B [redacted] . In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 9/26/17. Please let me know if this extension date is not... approved. Thank you,
We are in receipt of your complaint regarding the above-referenced account. Comenity Bank issues wayfair® credit card accounts, and we respond to all account-related questions. Your complaint, addressed to the RevDex.com, was forwarded to my attention, and I appreciate the opportunity... to respond to your concerns. In your complaint you state you ordered furniture from wayfair® and a problem occurred with your first monthly payment posting to your wayfair® credit card account. You state that you contacted Comenity Bank, and were advised the payment made on May 20, 2016, was returned with an error message of “incorrect information”. You then immediately paid the balance in full. A few weeks later you attempted to use the account; however, you were advised that the account was on hold, due to the returned payment. You have returned some merchandise and state you should have a refund of $177.00. You are requesting the $177.00 refund be sent via automated clearing house (ACH), and you feel you are owed interest for the delay in the credit posting to your way fair® account. We apologize for any inconvenience this matter may have caused you. Please note, I have attempted to contact you at the phone number ending in 6177, to verify information in-order to submit your refund electronically; unfortunately, my attempts have been unsuccessful. Therefore, I requested your refund to be sent to you via direct mail. Please be advised that since then, you have contacted the Bank and provided your personal account information and an electronic refund was requested for you on August 15, 2016. Therefore, we have placed a stop payment on the refund check that was issued by mail. Please destroy the check upon receipt. If the check is deposited, it will be returned unpaid, and may result in fees being assessed to your bank account. Comenity Bank would like to apologize for the inconvenience and frustration this matter may have caused you. Please note, when a payment has been returned on a new account, the system will automatically place a 90 day restriction/hold on the account. This hold prohibits the accountholder from making new purchases. Within the 90 day interval, the accountholder will have to build a valid payment history with Comenity Bank by making consecutive on-time payments for three months, or if there is no balance, three months of inactivity on the account.In addition, the Bank respectfully declines your request for interest on the refund.I hope you find this information to be helpful. If you have any additional questions or concerns, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I would be happy to assist you.Sincerely,Geanine M***Consumer Relations SpecialistCC: RevDex.com
The service I received from this company was deplorable I understand the terms of my plan and fulfilled my obligations but I refuse to "accept" the service I received and will NEVER do business with any company their institution supports Regards, [redacted]
Dear [redacted] We received your additional complaint, submitted to the Revdex.com, regarding the above-referenced accountAs the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist you with account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.Your complaint states that you have received statements by email and that you did pay the bill in full in SeptemberYou contend that no statement was received for October and you discovered the late fees and finance charges after logging into your account onlineAt this point you began communication and state that you were told these would be removedAfter two weeks, only one fee was creditedAfter the back and forth, you ended up being charged four late fees which you deem as being and you want them removed.As previously communicated on November 10, 2016, the payment of $was made on September 2, 2016, and past the payment due date of September 1, 2016; as such, the account was assessed a late feeThe following payment of $was due on October 1, 2016, and remained unpaidTherefore, the account was assessed a late feeAn additional payment of $became due on November 1, As payment was not made, the account was assessed a late fee.On October 10, 2016, the Bank agreed to remove one late fee of $25.00, as a courtesyThere were no further agreement(s) to remove two late feesPlease be advised that our position remains unchanged.In addition, we researched your concerns regarding the statementsPlease be advised, Bank records indicate that you cancelled the paperless statement option as of June 1, 2012, and the statements from July to present have been sent to your physical address by U.SMailAlthough, you are not enrolled in paperless statements, the Bank does send emails to the email that was provided by the customer letting the customer know that the statement is ready to be reviewed on the Bank’s Account CenterHowever, this email is not a statement ready email with regards to paperless statementsWe apologize for any confusion this may have caused you.I hope you find this information to be helpfulShould you have any further questions, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear Rose Wilson: We recently received your complaint, addressed to the Revdex.com regarding the above-referenced accountComenity Bank issues Express credit accounts, and we respond to all account-related inquiriesThe complaint was forwarded to my attention, and I appreciate the opportunity to address your concernsI understand that you did not apply for an Express credit card account, and apologize for any frustration or inconvenience you may have experienced regarding this situationOur records indicate on April 19, 2015, an application was submitted and was approved with a credit limit of $1,An applicant is required to provide personal information such as date of birth, Social Security number, etcto open an account when the application is processedPlease understand that Comenity Bank would have no way of knowing that someone was using your personal informationOur records further indicate that that the Bank previously responded to this complaint on July 6, Please complete the Statement of Fraud and Forgery and return it to our Account Protection TeamShould you have any further questions or concerns about the account, please contact our Account Protection Team at ###-###-####They would be happy to assist youSincerely, Jenny W*** [redacted]
Dear [redacted] We have received the inquiry you sent to the RevDex.com (Revdex.com), regarding the above-noted accountYour correspondence was forwarded to Comenity Bank (Bank) Comenity Bank issues VICTORIA’S SECRET Angel credit cards, and we are here to help answer your questionsI appreciate the opportunity to assist you with your concerns We understand from your complaint that you made several attempts to get a letter advising your account was current in the month of February and that payment had been credited to your account However, you have not received the letter requested We apologize for the inconvenience this may have caused and any delay in getting your home I would be happy to assist you and explain our findings below Your records indicate the VICTORIA’S SECRET Angel account was reported to the national credit-reporting agencies as 30-days past due in February On March 19, 2016, you spoke to a Bank representative advising that you were applying for a mortgage and would like to have the above delinquency removed from your credit report Please be assured, in the interest of customer service, we have notified the national credit-reporting agencies to show February as current Please keep in mind this may take them 45-days to update their records Further records show your VICTORIA’S SECRET Angel account received two payments, one for $on February 15, 2016, and $ on March 14, 2016, bringing your account balance to zero I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Jack C [redacted]
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the Talbots credit cardWe are here to answer your questions and assist with your concerns We understand from the complaint that you opened the Talbots credit card and when you received your statement, you were charged a late fee and interestYou state you called and straightened it out; however, months later you received another statement with a late fee and interest chargesYou state you called again and were advised that Comenity Bank bought your account, and you are being harassed by Comenity Bank for paymentYou are requesting the Bank admit we made a mistake by buying your account from Talbots, because you no longer owe anythingWe apologize for the inconvenience you have experienced regarding this matter When the account was opened on October 25, 2016, a purchase of $was applied to your accountPlease be advised your Talbots account was opened with Comenity BankComenity Bank is the issuer for all Talbots accounts The account billed on October 26, 2016, indicating a balance of $175.64, with a $minimum payment due by November 21, The required minimum payment was not received by the due date; therefore, a late fee and finance charge were assessed to your account 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 A statement was issued on November 25, 2016, with a balance of $and a $minimum payment due by December 21, A payment of $was received on December 2, 2016, leaving a remaining balanceSubsequent billing statements were issued and, as no further payments were received, late fees and finance charges continued to accrue When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reportingMany times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status Please be advised, on March 16, 2017, all of the previously assessed finance charges and late fees were reversed, and the balance on your account is zero I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Good Afternoon,Can you please remove my account numbers for public view? I didn't realize everything I wrote would be viewable to the publicAll I want is the account numbers removed.Also, attached is e-mail correspondence regarding the 1/23/ [redacted] inquiryI believe this may have stemmed from me requesting a credit limit increaseI stated several times that I did not authorize a hard inquiryThis month was the only time I had ever requested a credit limit increase - so I'm not sure where the other inquires from Comenity Bank stemmed from.Thank you! [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Bon-Ton credit cardWe are here to answer your questions and assistwith your concerns.We understand from your complaint that the account was closed after the balance reached $Youstate you attempted to pay the balance and could notYou feel Bon-Ton should pay the $balance,as you advised the Bank that you could make a payment Monday, but the account was closed on Saturday.You request a billing adjustmentI am happy to share my findings.Please note that Bon-Ton and Comenity Bank are two separate entitiesThe Bank issues and is responsiblefor addressing questions related to your credit card accountBon-Ton is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.Bank records indicate the account was temporarily suspended on September 2, 2016, as a result of thedelinquent payment statusAt this time, the account was four billing cycles past due with an outstandingbalance of $The Bank evaluated the account for reinstatement looking for consistent, on-timepayments.Furthermore, per the letter issued October 21, 2016, in response to your dispute, we were unable to acceptyour balance transfer to a Bankcard account.Additionally, the account wrote off on December 2, 2016, with a balance of $Due to no paymentarrangements, the account was then sold to [redacted] on December 23, To set up suitablepayment arrangements, please contact them directly at ###-###-####.The Bank finds no error and no adjustment will be made to the account.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,KaiM [redacted]
HelloThis message concerns complaint ID [redacted] submitted on 1/5/against Comenity BankAttached is a PDF of my receipt involving the $refund involved in my complaintThank you, [redacted]
I read everything and they credited the account accordingly I do not agree with how they wrote it but I received the full credit I believed I deserved so I consider it resolved
There is NO SIGNED RECEIPT OF ANY KIND, as noted I have contacted woman within numerous times with ABSOLUTELY NO RESPONSE OF ANY KIND Copies of this correspondence as well as all other correspondence was sent to them, with AGAIN, ABSOLUTLY NO RESPONSENo loss form, no fraud form nothing of any kind Again I will swear and sign any documents, I NEVER RECEIVED THIS MERCHANDISEI own a business in NJand would never trat a customer this way I realize the bank is not woman within and only a collector for them This matter must be resolved before legal action is instituted AGAIN, I reject their response and Woman Within should be cooperating to resolve this matter [redacted] PS: Show me proof that I accepted/received this merchandise or that anyoe signed for thisNo one has,,,,,,,
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued The Limited credit card. We are here to answer your questions and assist with your concerns. We understand the concerns, as explained... in your correspondence. You paid the account in full, were charged late fees, but only one fee could be credited. You are requesting to have the fees credited and the delinquencies removed from your credit report. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer 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. 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. After reviewing the account, our records indicate that a late fee credit was applied to the account on December 13, 2016. We respectfully decline to remove any additional late fees. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information. We respectfully decline to remove any delinquencies. As of the date of this letter, the account balance is $127.36. 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, Tionna M [redacted] Tionna M [redacted] Compliance Dept. – Consumer Responses
Dear Ms [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account Comenity Bank issues Bedford Fair Apparel credit card accounts, and we are here to help with account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist youYou state in your complaint that you signed up for a promotional plan with Bedford Fair Apparel for $for the first month and $for each month thereafter You further state that you had days to cancel and, although you cancelled within three weeks, your Bedford Fair Apparel credit card account was charged $for eleven months Additionally, although you disputed the charges and were given credit for three charges, you are stating that you feel you are due more We sincerely apologize for any frustration or inconvenience this matter may have caused you Please note that Bedford Fair Apparel, Old Pueblo Traders, and Comenity Bank are separate entities The Bank issues and is responsible for addressing questions related to Bedford Fair Apparel and Old Pueblo Traders credit card accounts Bedford Fair Apparel and Old Pueblo Traders are responsible for handling matters related to sales, merchandise processing, returns and shippingWe have reviewed your account and are happy to share our findings The Bedford Fair Apparel VIP Plus program, and the Old Pueblo Traders VIP program are optional services that are offered through Bedford Fair Apparel and Old Pueblo Traders Bedford Fair Apparel card holders have the ability to cross shop with Old Pueblo TradersBoth VIP programs offer a special introductory price of $for the first days, and if the customer does not call to cancel the membership within the first days, the membership fee of $is automatically billed to the account each month Cancellation may be made at any time with no further obligation Our records indicate that the above-referenced account was charged for eleven Old Pueblo Traders VIP Plus membership fees at $each On June 17, 2015, as a result of a billing dispute the Bank received, the Old Pueblo Traders VIP Plus membership was cancelled, and credits totaling $for three monthly membership fees, and $for an introductory fee, were issued to the account We reached out to Old Pueblo Traders, on your behalf, regarding the remaining Old Pueblo Traders VIP Plus charges On January 22, 2016, Old Pueblo Traders issued credits totaling $for eight additional monthly membership fees, and $for the introductory fee for Old Pueblo Traders VIP Plus These credits appeared on your monthly billing statement issued on January 24, We have enclosed a copy of this billing statement for your review We hope you find this information helpful If you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Laura R [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Avenue credit cardWe are here to answer your questions and assist with your concernsYour correspondence indicates your concern about the delay in your payment posting, causing your account to be assessed a late fee and finance chargeYou also state that this was your first billing statement, and when you called to close your account, we refused your requestOur records indicate the Avenue account was opened on October 18, The last purchase of $was made on November 9, 2016, and a billing statement was issued on November 20, 2016, with a minimum payment of $27.00, due by December 16, When payments are not received, are received after the due date, or made for less than the minimum required, the account will be assessed a late feeAdditionally, any time a balance is carried over from one billing cycle to the next, a finance charge is assessed to the account as outlined in the Credit Card AgreementOur records indicate the last billing statement issued was on December 21, 2016, reflecting a balance of $73.14, (previous $balance, and the assessed late fee and finance charge) with a $minimum due on January 16, A payment of $posted to your account on December 27, The late fee and finance charges were credited December 28, As the date of this letter your account balance is $Comenity Bank strives to provide each of our customers with an excellent customer service experience, and it is never the Bank's intention to treat our customers in a less-than-satisfactory mannerYour opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concernsBased upon your complaint, the Bank reviewed the applicable phone conversationPlease be assured that calls of this type are reviewed with management so that additional training and or coaching can be provided to our associatesFurthermore, a review of your account shows it was closed per your request through our automated system on December 28, We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matterWe hope you find this information helpfulShould you have any additional questions or concerns, please contact me directly at ###-###-####Sincerely, Shelley A [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-noted accountsComenity Bank issues the Torrid, Ashley Stewart, and Lane Bryant credit cardsWe are here to answer your questions and assist with your concerns We understand from your complaint that you and your family members are receiving phone calls, and that you were not happy with the level of service you received while speaking with the Bank regarding the status of your accountsWe apologize for the inconvenience this matter may have caused you Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account using the telephone numbers that have been provided to the Bank for contactMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempts to communicate are successful Please be assured that all of the telephone numbers listed in the Banks records for the above-referenced accounts have been marked “Do Not Call”; this includes the telephone numbers ending in ***, ***, and ***Therefore, you should no longer receive any telephone calls regarding the above-referenced accounts We have reviewed the applicable telephone conversationWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Upon review of our files regarding this matter it was determined that this property was not sold, rather it was foreclosed upon on 6/18/per the attached records from the MD SDATFurthermore,the amount owed to the [redacted] HOA (of which we are the Managing Agent) was $for the year 2014.The complainant's funds were applied to her other account with the [redacted] Association, and a refund of $was sent to the complainant from that account on 3/4/15.The policy of [redacted] which has an annual fee is not to prorate annual fees.Please review the attached and do not hesitate to contact me for further clarification and any additional questionsThank you
Comenity Bank previously removed this fraudulent account from my credit report only to wake up this morning to find it on my reports again, causing my credit score to drop 50+ points! This is not my billI pay all my billsI filed a police report (REPORT NUMBER: [redacted] ), I’ve done everything requested, yet they only remove it temporarily?! Promptly delete this account from all credit reporting agencies
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 concerns You state you ordered merchandise onlineAlthough the items showed in stock at the time you made your order, and you received emails stating the items were stock, when you received your order you were notified that the items were discontinuedYou state you lost your job in January of 2017, and you missed a few paymentsWhen you alerted the Bank, you were refunded $of $in late feesYou further state you were being charged for [redacted] , and they could not do anything for youAdditionally, even though you made a payment on your due date of April 11, 2017, you were charged another late feeWhen you called the Bank to inquire about this matter, the representative stated she could see that you paid, but there was nothing that could be doneYou are requesting to have all of the late fees removed from the account, your credit report corrected, and [redacted] cancelledWe sincerely apologize for any frustration or inconvenience this matter may have caused you Please understand that Comenity Bank and Victoria’s Secret are two separate entitiesComenity Bank is responsible for addressing questions related to Victoria’s Secret Angel credit card accounts, while Victoria’s Secret is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality For questions regarding merchandise ordered, please contact Victoria’s Secret Catalog Customer Service at ###-###-#### [redacted] is offered by a third party vendor, *** [redacted] is an optional debt cancellation program that can cancel your balance if you become involuntarily unemployed, hospitalized, disabled or should you pass awayThe monthly fee is $per $of your outstanding balanceIf there is no balance at billing, there is no chargeThe account was enrolled in [redacted] on January 17, 2012, via phone, when you called to activate your credit card On May 22, 2017, you spoke with a representative of the Bank and requested to have [redacted] cancelled, and you stated that you did not recall enrolling in the programAs a result, the [redacted] program was cancelled, at your request, and a courtesy of $for one [redacted] fee was given We contacted ***, on your behalf, and they confirmed that no claim had been receivedIf your date of loss was during the time you were enrolled in [redacted] , you may still be eligible to file a claimPlease contact [redacted] directly at ###-###-#### if you have any questions or would like to file a claim 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, a late fee and a finance charge may be assessed to the account, as explained in the Credit Card Agreement On March 15, 2017, you spoke with a representative of the BankDuring the conversation, the representative issued a $late fee credit to the account, as a courtesy On April 11, 2017, a phone payment of $was made, using the Bank’s automated systemThe phone payment you made on April 11, 2017, for $was submitted at 9:p.mEastern Time (ET) which was after the cutoff timeframe of 8:p.mET for same-day processing; therefore, the payment was not posted to your account until the following dayPlease be advised that our payment cut off timeframes are disclosed on your monthly billing statement under a section called "Payments"All fees are valid and they were assessed in accordance to your Credit Card Agreement To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your account Online: Online payments submitted through the Bank’s online Account Center before 8:p.mEastern Time (ET) will be credited to your account on the same day, unless you select a date in the futureOnline payments submitted after 8:p.mET will be credited the following day (or on a future scheduled payment date) Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing up to days for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter On April 24, 2017, you spoke with a representative of the Bank and asked why the late fee was charged to the accountThe representative advised that because the phone payment on April 11, 2017, was received after the cut off time of 8:p.mET a late fee was assessed to the accountYou stated you were not aware of the cutoff timeframe, and that you were going to close your accountHowever, the call ended before the representative was able to close your account Although we find the late fees to be valid, on May 24, 2017, the Bank issued an additional late fee credit of $25.00, as a courtesy Please be assured, no negative payment information has been reported to the credit-reporting agencies, as a result of this matter Your Victoria’s Secret Angel credit card account is open, and is in good standingIf it is your intention to have your Victoria’s Secret Angel credit card account closed, please contact our Customer Care team at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, [redacted] Compliance Dept– Consumer Responses
Hello,Comenity Capital Bank received the complaint for [redacted] - Jennifer B [redacted] . In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 9/26/17. Please let me know if this extension date is not... approved. Thank you,
We are in receipt of your complaint regarding the above-referenced account. Comenity Bank issues wayfair® credit card accounts, and we respond to all account-related questions. Your complaint, addressed to the RevDex.com, was forwarded to my attention, and I appreciate the opportunity... to respond to your concerns. In your complaint you state you ordered furniture from wayfair® and a problem occurred with your first monthly payment posting to your wayfair® credit card account. You state that you contacted Comenity Bank, and were advised the payment made on May 20, 2016, was returned with an error message of “incorrect information”. You then immediately paid the balance in full. A few weeks later you attempted to use the account; however, you were advised that the account was on hold, due to the returned payment. You have returned some merchandise and state you should have a refund of $177.00. You are requesting the $177.00 refund be sent via automated clearing house (ACH), and you feel you are owed interest for the delay in the credit posting to your way fair® account. We apologize for any inconvenience this matter may have caused you. Please note, I have attempted to contact you at the phone number ending in 6177, to verify information in-order to submit your refund electronically; unfortunately, my attempts have been unsuccessful. Therefore, I requested your refund to be sent to you via direct mail. Please be advised that since then, you have contacted the Bank and provided your personal account information and an electronic refund was requested for you on August 15, 2016. Therefore, we have placed a stop payment on the refund check that was issued by mail. Please destroy the check upon receipt. If the check is deposited, it will be returned unpaid, and may result in fees being assessed to your bank account. Comenity Bank would like to apologize for the inconvenience and frustration this matter may have caused you. Please note, when a payment has been returned on a new account, the system will automatically place a 90 day restriction/hold on the account. This hold prohibits the accountholder from making new purchases. Within the 90 day interval, the accountholder will have to build a valid payment history with Comenity Bank by making consecutive on-time payments for three months, or if there is no balance, three months of inactivity on the account.In addition, the Bank respectfully declines your request for interest on the refund.I hope you find this information to be helpful. If you have any additional questions or concerns, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I would be happy to assist you.Sincerely,Geanine M***Consumer Relations SpecialistCC: RevDex.com
The service I received from this company was deplorable I understand the terms of my plan and fulfilled my obligations but I refuse to "accept" the service I received and will NEVER do business with any company their institution supports Regards, [redacted]
Dear [redacted] We received your additional complaint, submitted to the Revdex.com, regarding the above-referenced accountAs the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist you with account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.Your complaint states that you have received statements by email and that you did pay the bill in full in SeptemberYou contend that no statement was received for October and you discovered the late fees and finance charges after logging into your account onlineAt this point you began communication and state that you were told these would be removedAfter two weeks, only one fee was creditedAfter the back and forth, you ended up being charged four late fees which you deem as being and you want them removed.As previously communicated on November 10, 2016, the payment of $was made on September 2, 2016, and past the payment due date of September 1, 2016; as such, the account was assessed a late feeThe following payment of $was due on October 1, 2016, and remained unpaidTherefore, the account was assessed a late feeAn additional payment of $became due on November 1, As payment was not made, the account was assessed a late fee.On October 10, 2016, the Bank agreed to remove one late fee of $25.00, as a courtesyThere were no further agreement(s) to remove two late feesPlease be advised that our position remains unchanged.In addition, we researched your concerns regarding the statementsPlease be advised, Bank records indicate that you cancelled the paperless statement option as of June 1, 2012, and the statements from July to present have been sent to your physical address by U.SMailAlthough, you are not enrolled in paperless statements, the Bank does send emails to the email that was provided by the customer letting the customer know that the statement is ready to be reviewed on the Bank’s Account CenterHowever, this email is not a statement ready email with regards to paperless statementsWe apologize for any confusion this may have caused you.I hope you find this information to be helpfulShould you have any further questions, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear Rose Wilson: We recently received your complaint, addressed to the Revdex.com regarding the above-referenced accountComenity Bank issues Express credit accounts, and we respond to all account-related inquiriesThe complaint was forwarded to my attention, and I appreciate the opportunity to address your concernsI understand that you did not apply for an Express credit card account, and apologize for any frustration or inconvenience you may have experienced regarding this situationOur records indicate on April 19, 2015, an application was submitted and was approved with a credit limit of $1,An applicant is required to provide personal information such as date of birth, Social Security number, etcto open an account when the application is processedPlease understand that Comenity Bank would have no way of knowing that someone was using your personal informationOur records further indicate that that the Bank previously responded to this complaint on July 6, Please complete the Statement of Fraud and Forgery and return it to our Account Protection TeamShould you have any further questions or concerns about the account, please contact our Account Protection Team at ###-###-####They would be happy to assist youSincerely, Jenny W*** [redacted]
Because this is not over the Victoria Secret cardI have already settled that account...this is for the buckle credit card Regards, [redacted]
Dear [redacted] We have received the inquiry you sent to the RevDex.com (Revdex.com), regarding the above-noted accountYour correspondence was forwarded to Comenity Bank (Bank) Comenity Bank issues VICTORIA’S SECRET Angel credit cards, and we are here to help answer your questionsI appreciate the opportunity to assist you with your concerns We understand from your complaint that you made several attempts to get a letter advising your account was current in the month of February and that payment had been credited to your account However, you have not received the letter requested We apologize for the inconvenience this may have caused and any delay in getting your home I would be happy to assist you and explain our findings below Your records indicate the VICTORIA’S SECRET Angel account was reported to the national credit-reporting agencies as 30-days past due in February On March 19, 2016, you spoke to a Bank representative advising that you were applying for a mortgage and would like to have the above delinquency removed from your credit report Please be assured, in the interest of customer service, we have notified the national credit-reporting agencies to show February as current Please keep in mind this may take them 45-days to update their records Further records show your VICTORIA’S SECRET Angel account received two payments, one for $on February 15, 2016, and $ on March 14, 2016, bringing your account balance to zero I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Jack C [redacted]
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the Talbots credit cardWe are here to answer your questions and assist with your concerns We understand from the complaint that you opened the Talbots credit card and when you received your statement, you were charged a late fee and interestYou state you called and straightened it out; however, months later you received another statement with a late fee and interest chargesYou state you called again and were advised that Comenity Bank bought your account, and you are being harassed by Comenity Bank for paymentYou are requesting the Bank admit we made a mistake by buying your account from Talbots, because you no longer owe anythingWe apologize for the inconvenience you have experienced regarding this matter When the account was opened on October 25, 2016, a purchase of $was applied to your accountPlease be advised your Talbots account was opened with Comenity BankComenity Bank is the issuer for all Talbots accounts The account billed on October 26, 2016, indicating a balance of $175.64, with a $minimum payment due by November 21, The required minimum payment was not received by the due date; therefore, a late fee and finance charge were assessed to your account 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 A statement was issued on November 25, 2016, with a balance of $and a $minimum payment due by December 21, A payment of $was received on December 2, 2016, leaving a remaining balanceSubsequent billing statements were issued and, as no further payments were received, late fees and finance charges continued to accrue When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reportingMany times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status Please be advised, on March 16, 2017, all of the previously assessed finance charges and late fees were reversed, and the balance on your account is zero I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Good Afternoon,Can you please remove my account numbers for public view? I didn't realize everything I wrote would be viewable to the publicAll I want is the account numbers removed.Also, attached is e-mail correspondence regarding the 1/23/ [redacted] inquiryI believe this may have stemmed from me requesting a credit limit increaseI stated several times that I did not authorize a hard inquiryThis month was the only time I had ever requested a credit limit increase - so I'm not sure where the other inquires from Comenity Bank stemmed from.Thank you! [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Bon-Ton credit cardWe are here to answer your questions and assistwith your concerns.We understand from your complaint that the account was closed after the balance reached $Youstate you attempted to pay the balance and could notYou feel Bon-Ton should pay the $balance,as you advised the Bank that you could make a payment Monday, but the account was closed on Saturday.You request a billing adjustmentI am happy to share my findings.Please note that Bon-Ton and Comenity Bank are two separate entitiesThe Bank issues and is responsiblefor addressing questions related to your credit card accountBon-Ton is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.Bank records indicate the account was temporarily suspended on September 2, 2016, as a result of thedelinquent payment statusAt this time, the account was four billing cycles past due with an outstandingbalance of $The Bank evaluated the account for reinstatement looking for consistent, on-timepayments.Furthermore, per the letter issued October 21, 2016, in response to your dispute, we were unable to acceptyour balance transfer to a Bankcard account.Additionally, the account wrote off on December 2, 2016, with a balance of $Due to no paymentarrangements, the account was then sold to [redacted] on December 23, To set up suitablepayment arrangements, please contact them directly at ###-###-####.The Bank finds no error and no adjustment will be made to the account.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,KaiM [redacted]
HelloThis message concerns complaint ID [redacted] submitted on 1/5/against Comenity BankAttached is a PDF of my receipt involving the $refund involved in my complaintThank you, [redacted]
I read everything and they credited the account accordingly I do not agree with how they wrote it but I received the full credit I believed I deserved so I consider it resolved
There is NO SIGNED RECEIPT OF ANY KIND, as noted I have contacted woman within numerous times with ABSOLUTELY NO RESPONSE OF ANY KIND Copies of this correspondence as well as all other correspondence was sent to them, with AGAIN, ABSOLUTLY NO RESPONSENo loss form, no fraud form nothing of any kind Again I will swear and sign any documents, I NEVER RECEIVED THIS MERCHANDISEI own a business in NJand would never trat a customer this way I realize the bank is not woman within and only a collector for them This matter must be resolved before legal action is instituted AGAIN, I reject their response and Woman Within should be cooperating to resolve this matter [redacted] PS: Show me proof that I accepted/received this merchandise or that anyoe signed for thisNo one has,,,,,,,
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued The Limited credit card. We are here to answer your questions and assist with your concerns. We understand the concerns, as explained... in your correspondence. You paid the account in full, were charged late fees, but only one fee could be credited. You are requesting to have the fees credited and the delinquencies removed from your credit report. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer 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. 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. After reviewing the account, our records indicate that a late fee credit was applied to the account on December 13, 2016. We respectfully decline to remove any additional late fees. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information. We respectfully decline to remove any delinquencies. As of the date of this letter, the account balance is $127.36. 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, Tionna M [redacted] Tionna M [redacted] Compliance Dept. – Consumer Responses
Dear Ms [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account Comenity Bank issues Bedford Fair Apparel credit card accounts, and we are here to help with account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist youYou state in your complaint that you signed up for a promotional plan with Bedford Fair Apparel for $for the first month and $for each month thereafter You further state that you had days to cancel and, although you cancelled within three weeks, your Bedford Fair Apparel credit card account was charged $for eleven months Additionally, although you disputed the charges and were given credit for three charges, you are stating that you feel you are due more We sincerely apologize for any frustration or inconvenience this matter may have caused you Please note that Bedford Fair Apparel, Old Pueblo Traders, and Comenity Bank are separate entities The Bank issues and is responsible for addressing questions related to Bedford Fair Apparel and Old Pueblo Traders credit card accounts Bedford Fair Apparel and Old Pueblo Traders are responsible for handling matters related to sales, merchandise processing, returns and shippingWe have reviewed your account and are happy to share our findings The Bedford Fair Apparel VIP Plus program, and the Old Pueblo Traders VIP program are optional services that are offered through Bedford Fair Apparel and Old Pueblo Traders Bedford Fair Apparel card holders have the ability to cross shop with Old Pueblo TradersBoth VIP programs offer a special introductory price of $for the first days, and if the customer does not call to cancel the membership within the first days, the membership fee of $is automatically billed to the account each month Cancellation may be made at any time with no further obligation Our records indicate that the above-referenced account was charged for eleven Old Pueblo Traders VIP Plus membership fees at $each On June 17, 2015, as a result of a billing dispute the Bank received, the Old Pueblo Traders VIP Plus membership was cancelled, and credits totaling $for three monthly membership fees, and $for an introductory fee, were issued to the account We reached out to Old Pueblo Traders, on your behalf, regarding the remaining Old Pueblo Traders VIP Plus charges On January 22, 2016, Old Pueblo Traders issued credits totaling $for eight additional monthly membership fees, and $for the introductory fee for Old Pueblo Traders VIP Plus These credits appeared on your monthly billing statement issued on January 24, We have enclosed a copy of this billing statement for your review We hope you find this information helpful If you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Laura R [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Avenue credit cardWe are here to answer your questions and assist with your concernsYour correspondence indicates your concern about the delay in your payment posting, causing your account to be assessed a late fee and finance chargeYou also state that this was your first billing statement, and when you called to close your account, we refused your requestOur records indicate the Avenue account was opened on October 18, The last purchase of $was made on November 9, 2016, and a billing statement was issued on November 20, 2016, with a minimum payment of $27.00, due by December 16, When payments are not received, are received after the due date, or made for less than the minimum required, the account will be assessed a late feeAdditionally, any time a balance is carried over from one billing cycle to the next, a finance charge is assessed to the account as outlined in the Credit Card AgreementOur records indicate the last billing statement issued was on December 21, 2016, reflecting a balance of $73.14, (previous $balance, and the assessed late fee and finance charge) with a $minimum due on January 16, A payment of $posted to your account on December 27, The late fee and finance charges were credited December 28, As the date of this letter your account balance is $Comenity Bank strives to provide each of our customers with an excellent customer service experience, and it is never the Bank's intention to treat our customers in a less-than-satisfactory mannerYour opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concernsBased upon your complaint, the Bank reviewed the applicable phone conversationPlease be assured that calls of this type are reviewed with management so that additional training and or coaching can be provided to our associatesFurthermore, a review of your account shows it was closed per your request through our automated system on December 28, We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matterWe hope you find this information helpfulShould you have any additional questions or concerns, please contact me directly at ###-###-####Sincerely, Shelley A [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-noted accountsComenity Bank issues the Torrid, Ashley Stewart, and Lane Bryant credit cardsWe are here to answer your questions and assist with your concerns We understand from your complaint that you and your family members are receiving phone calls, and that you were not happy with the level of service you received while speaking with the Bank regarding the status of your accountsWe apologize for the inconvenience this matter may have caused you Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account using the telephone numbers that have been provided to the Bank for contactMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempts to communicate are successful Please be assured that all of the telephone numbers listed in the Banks records for the above-referenced accounts have been marked “Do Not Call”; this includes the telephone numbers ending in ***, ***, and ***Therefore, you should no longer receive any telephone calls regarding the above-referenced accounts We have reviewed the applicable telephone conversationWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Upon review of our files regarding this matter it was determined that this property was not sold, rather it was foreclosed upon on 6/18/per the attached records from the MD SDATFurthermore,the amount owed to the [redacted] HOA (of which we are the Managing Agent) was $for the year 2014.The complainant's funds were applied to her other account with the [redacted] Association, and a refund of $was sent to the complainant from that account on 3/4/15.The policy of [redacted] which has an annual fee is not to prorate annual fees.Please review the attached and do not hesitate to contact me for further clarification and any additional questionsThank you
Comenity Bank previously removed this fraudulent account from my credit report only to wake up this morning to find it on my reports again, causing my credit score to drop 50+ points! This is not my billI pay all my billsI filed a police report (REPORT NUMBER: [redacted] ), I’ve done everything requested, yet they only remove it temporarily?! Promptly delete this account from all credit reporting agencies