Dear Ms***:We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveComenity Bank issues metrostyle® credit card accounts, and we are here to assist you with all account-related questionsI appreciate the opportunity to respond to your concerns.We understand from your complaint that you refused the merchandise you purchased on your metrostyle® accountYou state that on a three way conversation, Metrostyle informed Comenity Bank that all merchandise had been received, and credited to the metrostyle® accountHowever, you are receiving calls daily regarding a balance due.We are seeing purchases on your metrostyle® account from Metrostyle, Jessica London, and ChadwicksSince Metrostyle, Chadwicks, and Jessica London are owned by the same parent company, merchandise can be purchased from either entity using their credit card accounts interchangeably.Please be advised Comenity Bank, Metrostyle, Chadwicks, and Jessica London are separate entitiesComenity Bank is responsible for addressing questions related to metrostyle® credit card accounts, while the retailers are responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality.When merchandise is ordered from Metrostyle, Chadwicks, or Jessica London, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handlingThe retailers do not refund shipping and handling charges when merchandise is returnedIn addition, if the provided return label is used to return the package, the return label fee is also charged to the account.We are unable to locate a telephone call where Metrostyle advised credits were issued to the accountOn March 18, 2016, during a three way telephone call, you were advised by Metrostyle catalog customer service that checks would be issued to you directly for returned merchandiseYou stated you would pay Comenity Bank as soon as you received the checks from MetrostylePlease keep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.After reviewing your account, our records indicate that not all of the items you purchased were returned, or paid forI have enclosed copies of the billing statements which show the account activity that comprised the account balanceDue to non-payment, on October 6, 2016, the metrostyle® account was closed, written off, and reported to the national credit-reporting agencies as an unpaid debt of $On October 26, 2016, the account was sold to Jefferson CapitalThey can be reached at ###-###-####Please note, Comenity Bank has made no collection attempts on this account since the sale of the accountIf you have further questions regarding the items you received from or returned to Metrostyle, Chadwicks, or Jessica London, please contact them at the following numbers: Metrostyle: ###-###-####Chadwicks: ###-###-#### Jessica London: ###-###-####We hope you find this information helpfulIf you have any further questions regarding the account, please contact [redacted] at the number aboveThey will be happy to assist youSincerely, Amanda R**
Dear Ms [redacted] We are in receipt of your complaint regarding the above-referenced accountComenity Bankissues NEW YORK & COMPANY credit card accounts and we respond to all account-relatedquestionsYour complaint, addressed to the Revdex.com, was forwarded to myattention, and I appreciate the opportunity to respond to your concerns.We understand from the complaint, due to your NEW YORK & COMPANY payment beingreceived days late, your account was assessed a $27.00, late feeYou advise that youcontacted Comenity Bank with hopes of resolving this matter; however, after speaking to both acustomer service representative, as well as a supervisor, your request for late fee credit wasdeclined, and was replaced with an offer of a $off your next purchase couponYou arerequesting Comenity Bank provide you with a credit of $27.00, for the previously assessed latefee.We have reviewed the issues in your complaint as well as the applicable telephone conversations,and would like to share our findings:On September 9, 6, you spoke with our Customer Care Department to express your concernswith Comenity Bank not providing the option of reoccurring paymentsYou advised that due tothis matter, you were late with your NEW YORK & COMPANY payment, and would like to havethe late fee removed.Our representative advised that due to your account previously being granted a late fee removal,we are unable to grant an additional [ate fee credit within an month periodThe call was thentransferred to a Customer Care supervisor, who apologized that we did not offer reoccurringpayments; however provided an alternate payment option of setting up reoccurring paymentsthrough your personal online bankingThe supervisor advised Comenity Bank has excused twolate fees in the last months and we are unable to remove another late fee; however, a coupontotaling $20.00, was offered to use on your next purchaseLastly, you were advised that paymentneeds to be received by the 2nd of each month, and the account does not have a grace period.To provide the best customer service possible, we offer multiple ways to make a payment.Choose a payment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off yourpayment in the store so it can be applied to your account on the same dayCheck the back ofyour billing statement to see if in-store payments are available for your account.Online: Online payments submitted before p.mEastern Time (ET) can be credited to youraccount same-dayOnline payments submitted after p.mET will be credited the following day(or on your future scheduled payment date)Please note that it may take up to two business daysto complete the financial transfer from your personal bank account to your NEW YORK &COMPANY account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing a week for the payment to arriveif you're a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on theback of your billing statement before p.mET to speak to a customer care representativeA feemay apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting: [redacted] Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.Please note, the previously assessed late fee of $27.00, was credited back to the NEW YORK &COMPANY account on September 12, Please allow up to two billing cycles for this creditto reflect on your statementPlease note, your account will not be eligibte for another late feecredit until March 2018.Should you have any further questions or concerns regarding this letter, please feel free to contactme at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Geanine M***
Dear Comenity Bank, I did not ever tell any rep from your company I was stranded, I did tell mr Guy the supervisor, that my phone was broken because a 3-year-old sat on it and broke it, and when guy gave me the temporary increase, he told me to use it with in hrs., I told him I lived right across the street and I was going right over to my Meijer’s storeI suggest you please get this story straightAnd review the phone recordingsAnd as far as good customer service goes, if you took the time to view all of the telephone recordings that happened after each time my credit card was declined from the first temporary MrGuy did, and I called in to your customer service , and was told that I have available credit of after the purchase of $206.00, and a few customer service reps told me there was no reason my card should be declined because I have the available credit, and I made several trips back to the store because your customer service people don’t know there job and this includes two supervisorsWhat makes no sense is that Guy the supervisor made a 1000-dollar mistake on a customer’s credit line, and after this mistake was made a few customer service reps told me after a few declines that I have the available credit so I went back to the store, it must be our system, and the supervisor Named Jenifer told me that Guy broke your policy and was not supposed to even do any kind of increase to the Meijer card, she said the increases are only for clothing cards, than Walter came into this and told me that Jenifer was wrong that guy was right in increasing it, so I told him Jenifer does not know your policy and she is a another supervisorYes, Comenity Bank did adjust over $in finance charges, that in its self should tell the bank what this customer has been throughWhat also makes no sense is that on 05/19/I called in and spoke to a regulation specialist and needed to use my card because there was a death in the family and I need to buy some clothing, and after speaking to the regulation specialist she went to a supervisor, and a third temporary increase was done to the account of $so I could make my purchase, all of these temporary increases so I can shop, but no one putting my credit line ware I was led to believe it was, and was told over and over again by customer service I have the available credit in closing I would like this complaint and all copies sent to John M***, and John S***, because I want them booth to see just how Laura R [redacted] , is treating their customers with her thought processThis is not right to do to a customer and a good card holderI would like my credit line to be the like I was led to believe, instead of all these temporary increases that have been made because of all the mistakes that wear made with my accountThis is so wrong Laura on every business and card holder level to do to meI feel very misled and violated because of all the bank employee’s mistakes, and trust me there was so many, too many LauraIf the credit line is adjusted to the I will continue to shop pay my bill and be a good customer and card holder, if it’s not I will be following up with a consumer protection bureau complaint so that this gets in the hands of John M [redacted] and john s [redacted] Thank you [redacted]
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Capital Bank issues the Lexus Pursuits Visa® credit card We are here to answer your questions and assist with your concerns We previously received and responded to your correspondence submitted to the Consumer Financial Protection Bureau (CFPB) regarding this same matter Please find enclosed a copy of our response sent to you on January 13, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Dear [redacted] ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Woman Within credit cardWe are here to answer your questions and assist with your concernsWe understand that you placed an order for several items that did not fit properlyThe items were returned for an exchange in which you have not received the new items, but have been charged for themYou state that you are being charged $plus a late fee that you refuse to pay, and you have attempted to resolve this issueYou would like to have the charge and the late fee removedWe are happy to further assist you with this issueIn order for us to conduct further research we require some additional information? A Brief explanation about why the charge(s) is being disputed ? Dates of the specific transaction(s) ? The specific item(s) that were ordered and returned ? Dates if when the item(s) were sent back for exchange or refundPlease send the above information to: Comenity Bank [redacted] [redacted] *** Once we have received this information, we will promptly investigate your disputeI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Diamond L*** Diamond L***
Dear Mr [redacted] We are in receipt of your additional complaint regarding the above-referenced accountComenity Bank issues PALAIS ROYAL credit card accounts, and we respond to all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.In your complaint you are rejecting our previous response dated May 11, You state you attempted to obtain a subpoena from the [redacted] courts, and were advised that you were unable to get a subpoena for Comenity Bank, unless you have an open case with Comenity Bank.Your previous complaint states that the account was opened in December You advised that you only opened an account with [redacted] in the last year, therefore, you believe the PALAIS ROYAL account is fraudulentYou are requesting Comenity Bank remove this account from your credit report.Please note, our response dated May 11, 2016, advised you that the PALIAS ROYAL account was opened in March 4, Additionally, the response advised that if you wanted a copy of the credit card application, a subpoena would be requiredFurthermore, we advised you that the account was sold to Portfolio Recovery on December 21, 2015.Please be advised that Comenity Bank no longer owns the account and we are no longer reporting the accountA review of the information you submitted indicates that as the owner of the account, Portfolio Recovery is now reporting the accountPlease contact Portfolio Recovery directly at ###-###-#### for any further assistance.I hope you have found this information helpfulIf you need additional assistance, contact Portfolio Recovery at the phone number listed aboveThey will be happy to assist you.Sincerely,Geanine M***
We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues Crate&Barrel credit card accounts, and we respond to account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that when you went to visit your daughter in Brooklyn in August of 2015, you visited a Crate&Barrel store and an account was established using your daughter’s address as you live in France; however, the incorrect address was entered and you did not receive your billing statements You state you contacted the Bank in January and agreed to settle the balance with a payment of $233.85, with the understanding that the $in fees would be removed However, additional fees continued to accrue and additional billing statements were sent to your daughter’s address You are requesting that the Bank honor the January 7, 2016, settlement of $233.85, which has already been paid Additionally, you request that we clear the balance, and close the account completely from your credit history We apologize for any inconvenience this matter may have caused you Our records indicate that when the account was opened on August 11, 2015, the address in our records did not have the apartment number Please be assured that the address was updated in our records with the apartment number on October 19, We have enclosed copies of your statements for your review The balance of $was billed on November 7, 2015, and was due by December 3, As no payment was received by the due date, a late fee and finance charge were assessed to the account in accordance with the Credit Card Agreement Your payment of $was received on January 15, Please be assured that the Bank is not holding you responsible for the remaining balance, and credits totaling $have been applied to your account, to remove the previously assessed late fees and finance charges Please be advised that with this adjustment the balance on your account is now zero Per your request, we have closed your account Additionally, we have sent notification to the national credit-reporting agencies to remove the negative payment information reported regarding the Crate&Barrel credit card account Please allow the credit-reporting agencies days to update their records We hope this information is helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at 1-800-675-5685, ext [redacted] (TDD/TTY 1-800-695-1788) I will be happy to assist you Sincerely, Ashley H [redacted] Consumer Relations Specialist CC: Revdex.com
Dear Ms [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-noted account Comenity Bank issues the CATHERINES® credit cardWe are here to answer your questions and assist with your concerns We understand your concerns regarding the unwanted telephone calls from our Bank referenced above We apologize for the inconvenience this matter may have caused you Bank records indicate that the CATHERINES® account was opened on September 12, 2016, in the name of [redacted] Use of the account, or failure to close the account within days of receiving the Credit Card Agreement (CCA) indicated your acceptance of the terms of the agreement A purchase of $was made on September 12, 2016, at the Catherines store in [redacted] On September 21, 2016, a statement was issued with a balance of $and minimum payment of $due by October 17, On September 27, 2016, the welcome kit was returned to the Bank, as the address listed on your account was not your current address As no payment was received, late fees and finance charges were assessed to your account, in accordance with the CCA 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 Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status Due 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 we have removed the late fees in the amount of $and the finance charges in the amount of $ Please be advised that notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment history that was previously reported regarding the CATHERINES® account Please allow the credit-reporting agencies days to update their records Also, we have enclosed a copy of your September billing statement for your records The balance on your CATHERINES® account is $ 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 [redacted] Compliance Dept– Consumer Responses
[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: I am rejecting this response because the balance transfer in the amount of -which was transferred to the account number [redacted] should be -not a charge of and therefore it should not be treated as an amount I owe but as a credit in my behalf This is simple mathIt was not credited to my account on the transfer Regards, [redacted]
Dear [redacted] ***: We have received the inquiry you sent to the Revdex.com regarding the above-noted accountYour correspondence was forwarded to Comenity Bank Comenity Bank issues the Bergner’s credit card, and we are here to help answer your questionsI appreciate the opportunity to assist you with your concerns We understand from your complaint to the Revdex.com that your Equifax report is showing the account being delinquent for months after paying your account off in February We do apologize for the inconvenience you may have experienced After researching our records, we had found the payment history reported incorrectly Please be assured, notification had been sent to the national credit-reporting agencies with instructions to remove the reported delinquency after February 2014, with regard to your Bergner’s account Please allow the credit-reporting agencies days to update their records Further records show your account received payment of $on February 17, On February 19, 2014, we had notified the credit-reporting agencies that your account was a charge off and settled in full for less than the balance owed I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Jack C [redacted]
Dear Ms [redacted] : We are in receipt of your complaint regarding the above-referenced accounts Comenity Bank issues the mentioned credit card account, 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 concernsWe understand from your complaint, you were contacted by an auto-dialer regarding your Goody’s account being past-dueYou state that you advised our Payment Solutions representative that your account is set up on automatic bill pay, which provide monthly confirmation receiptsIn addition, while speaking to our representative, you felt that the representative, as well as the supervisor, was rude and sarcasticYou are requesting Comenity Bank to reverse any late fees assessed to your Goody’s account, as well as the removal of delinquencies submitted to the credit reporting agencies as a result of this matterPlease be advised, the last payment received on your Goody’s account posted on March 7, 2016, in the amount of $ The next payment of $43.00, is due by April 5, Please be assured, the Bank has reviewed the applicable phone conversations We apologize if you felt that you did not receive the best customer service It is never the Bank’s intention to treat our customers in a less-than-satisfactory manner Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not metAlso, we would like to apologize for any inconvenience this matter may have caused youPlease note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact the customer regarding the status of the account Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status Due to potential negative ramifications for our customers if an account remains delinquent, we may continue to call you during business hours starting at 8:a.m- 9:p.mEastern Time, until our attempt to communicate is successfulPlease be assured, your payment history for your Goody’s credit card account reflect as current, and there has been no derogatory information submitted to the credit reporting agenciesComenity Bank is required by law to report factual data to the credit bureaus with regard to account activity Lastly, in the interest of customer service, the $late fee assessed to your account on March 10, 2016, has been reversedWe apologize for any frustration or inconvenience that you may have experienced regarding this matterShould you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Geanine M***
Dear [redacted] : Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced accountComenity Bank issues the Williams Sonoma Visa credit cardWe are here to answer your questions and assist with your concerns We understand you are disappointed with the change in terms for your account, and that you will review your credit report to confirm the change the Bank previously requestedPlease be advised we have notated your account accordingly I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Kristina W***
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts Comenity Bank issues avenue®, VICTORIA’S SECRET, and NEW YORK & COMPANY 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 previously received and responded to your complaint submitted to Comenity Bank regarding this same matter Please find enclosed copies of our responses sent to you on March 10, 2016, and March 11, We 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 accounts, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Renee S***
Dear [redacted] We received your complaint, submitted to theRevdex.com, regarding the above-referenced accounts Comenity Bank issues Express, Venus, JCrew,The Buckle, New York & Company, Roaman's®, BrylaneHome®, Woman Within® , fullbeauty, Ann Taylor/Loft, Marathon andVictoria’s Secret/PINK credit card accounts, and we respond to allaccount-related questions I appreciatethe opportunity to address your concernsWe understand from your complaint that uponbeing approved, the above-referenced accounts were closed; as such you wereasked to provide documentation to have the accounts re-opened Additionally, you state that the accountsbeing reported as closed is affecting your credit report tremendously The Bank actively monitors a consumer’s account(s), as well as, creditapplications submitted, for potential security concerns Due to the potential security concerns with the above referencedaccounts; your accounts were suspended until further verification could beobtained from you We appreciate the time you have spent providing the Bank with the requesteddocuments to verify your identityPlease note that on July 2, 2015, after speaking with an Account Controlspecialist, the Bank was able to verify your identity, as such all of theaccounts have been re-opened.Please be assured notification was sent tothe national credit-reporting agencies advising them of the updates made to theaccounts Please allow the creditreporting agencies days to update their recordsOn behalf of the Bank, I would like to extenda sincere apology for any inconvenience or frustration this situation hascaused you Comenity Bank is committedto providing the best customer service possible, and we are disappointed when acustomer feels that this standard was not met.Please be assured, all applicable phoneconversations outlined in your complaint have been reviewed by our managementteam, and their recommendations regarding an appropriate resolution will be followed.I hope you find this information to behelpful Should you have any furtherquestions, please contact medirectly at ###-###-#### (TDD/TTY (###-###-####) I will be happy to assist you.Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted] We recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card account Comenity Capital Bank issues HSN credit card accounts and we respond to all account-related inquiries I appreciate the opportunity to assist you We understand from your complaint that you purchased a laptop, along with an extended warranty, from HSN in October You state that you returned the laptop to HSN, and that you received credit for the returned merchandise on October 30, However, you received monthly billing statements from the Bank indicating an account balance of $ In an attempt to rectify this matter, you scheduled a same day payment by phone with a Bank representative for the account balance, including a $same day payment by phone fee You are requesting Comenity Capital Bank reinstate your HSN credit card account, issue you a full refund for any money paid towards the account, and send notification to the credit bureaus acknowledging the error We understand your concerns, and we sincerely apologize for any frustration or inconvenience this matter may have caused you After a thorough review, our records indicate on October 13, 2014, you elected to enroll in an optional debt cancellation program from Account Assure The monthly fee for Account Assure is based on the outstanding monthly balance of your HSN account each month The monthly fee is $per $of your outstanding balance If there is no balance at billing, there is no charge Bank records further indicate a charge of $for a HP 17” Alaptop was applied to the account on October 13, The purchase was placed on a 9-month promotion with deferred interest payment required plan, scheduled to end on July 17, On October 14, 2014, a charge of $for an extended warranty was applied to the account On October 22, 2014, your HSN account billed with an outstanding balance of $831.36; as a result, charges in the amount of $and $were applied to the account for the Account Assure monthly subscription fee On October 30, 2014, HSN issued credits, for the returned merchandise, in the amount of $to the HSN account The remaining balance due on the account after these credits were applied was $16.21, which included the Account Assure monthly subscription fees As payments were not received by the respective due date(s) and/or were made for less than the minimum payment required, late fees and finance charges were applied to the account, as explained in the Credit Card Agreement (CCA), and the HSN account was reported as 60-days past due Although there were no Bank errors, in the interest of customer service, we issued credits totaling $on April 13, 2015, for all applicable fees The credits issued resulted in a $credit balance A refund check in this amount was requested for you, and should arrive in a separate mailing within days In addition, we sent notification to the national credit-reporting agencies, with instructions to delete the negative payment information for the months of December 2014, February 2015, and March 2015, from your credit bureau report Please allow the credit-reporting agencies days to update their records Please be assured, as the date of this letter, your enrollment in the account protection from Account Assure has been cancelled, and your HSN account has been restored The account balance is zero, and the credit limit is $1, We hope you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the Torrid credit cardWe are here to answer your questions and assist with your concerns We understand from the complaint that on October 18, 2016, you made a purchase of $and you noticed that you were billed twice for the same amountYou state that you have had multiple interactions with Torrid and Torrid.com without success, and you have been advised to contact Comenity BankYou state you are now receiving phone calls regarding a balance you do not oweYou would like for the duplicate charge to be investigatedWe apologize for the inconvenience you have experienced regarding this matter We have contacted Torrid, on your behalf, regarding duplicate charge of $Please be advised that credit for $has been issued to your account for the duplicate chargeIn addition, the previously assessed late fees and interest charges in the amount of $have been removed from your account Please be advised that the Bank will no longer contact you regarding the status of your Torrid account, as the balance on your account is now 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***
Dear [redacted] We have received your correspondence sent to theRevdex.com (Revdex.com) Comenity Bank issues Talbots credit card accounts, andwe are here to help answer your questions I appreciate the opportunity to assist you withyour concerns.We are also in receipt of your correspondencesubmitted to the Federal Deposit Insurance Corporation (FDIC) Please find enclosed a copy of our responsesent to you on August 20, 2015.I hope you have found this information to behelpful If you have any questions orconcerns, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will behappy to assist you.Sincerely,Tionna M [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your HSN creditcard accountComenity Capital Bank issues HSN credit card accounts, and we respond to allaccount-related questionsYour complaint was fotwarded to my attention, and I appreciate theopportunity to assist you.Our records indicate that the situation referenced in your complaint has been investigated, and aresponse was previously issued on December 9, 2016, explaining our findings along with billingstatements and resolutionComenity Capital Bank's position remains unchangedWe haveenclosed a copy of our previous response for your records.As of the date of this letter, the balance on your HSN credit card account is $Each monththat the account has an unpaid balance, a finance charge will be assessed at billingThe currentAPR for the HSN account is 26.99%Additionally, if payment is not received, is received for lessthan the required minimum, or is received after the due date, a late fee will also be assessedToavoid any additional bank fees, the account balance would need to be paid in full by the due dateeach monthThe Bank finds the account balance to be valid.I hope you found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M [redacted]
Dear Ms***:We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveComenity Bank issues metrostyle® credit card accounts, and we are here to assist you with all account-related questionsI appreciate the opportunity to respond to your concerns.We understand from your complaint that you refused the merchandise you purchased on your metrostyle® accountYou state that on a three way conversation, Metrostyle informed Comenity Bank that all merchandise had been received, and credited to the metrostyle® accountHowever, you are receiving calls daily regarding a balance due.We are seeing purchases on your metrostyle® account from Metrostyle, Jessica London, and ChadwicksSince Metrostyle, Chadwicks, and Jessica London are owned by the same parent company, merchandise can be purchased from either entity using their credit card accounts interchangeably.Please be advised Comenity Bank, Metrostyle, Chadwicks, and Jessica London are separate entitiesComenity Bank is responsible for addressing questions related to metrostyle® credit card accounts, while the retailers are responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality.When merchandise is ordered from Metrostyle, Chadwicks, or Jessica London, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handlingThe retailers do not refund shipping and handling charges when merchandise is returnedIn addition, if the provided return label is used to return the package, the return label fee is also charged to the account.We are unable to locate a telephone call where Metrostyle advised credits were issued to the accountOn March 18, 2016, during a three way telephone call, you were advised by Metrostyle catalog customer service that checks would be issued to you directly for returned merchandiseYou stated you would pay Comenity Bank as soon as you received the checks from MetrostylePlease keep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.After reviewing your account, our records indicate that not all of the items you purchased were returned, or paid forI have enclosed copies of the billing statements which show the account activity that comprised the account balanceDue to non-payment, on October 6, 2016, the metrostyle® account was closed, written off, and reported to the national credit-reporting agencies as an unpaid debt of $On October 26, 2016, the account was sold to Jefferson CapitalThey can be reached at ###-###-####Please note, Comenity Bank has made no collection attempts on this account since the sale of the accountIf you have further questions regarding the items you received from or returned to Metrostyle, Chadwicks, or Jessica London, please contact them at the following numbers: Metrostyle: ###-###-####Chadwicks: ###-###-#### Jessica London: ###-###-####We hope you find this information helpfulIf you have any further questions regarding the account, please contact [redacted] at the number aboveThey will be happy to assist youSincerely, Amanda R**
Dear Ms [redacted] We are in receipt of your complaint regarding the above-referenced accountComenity Bankissues NEW YORK & COMPANY credit card accounts and we respond to all account-relatedquestionsYour complaint, addressed to the Revdex.com, was forwarded to myattention, and I appreciate the opportunity to respond to your concerns.We understand from the complaint, due to your NEW YORK & COMPANY payment beingreceived days late, your account was assessed a $27.00, late feeYou advise that youcontacted Comenity Bank with hopes of resolving this matter; however, after speaking to both acustomer service representative, as well as a supervisor, your request for late fee credit wasdeclined, and was replaced with an offer of a $off your next purchase couponYou arerequesting Comenity Bank provide you with a credit of $27.00, for the previously assessed latefee.We have reviewed the issues in your complaint as well as the applicable telephone conversations,and would like to share our findings:On September 9, 6, you spoke with our Customer Care Department to express your concernswith Comenity Bank not providing the option of reoccurring paymentsYou advised that due tothis matter, you were late with your NEW YORK & COMPANY payment, and would like to havethe late fee removed.Our representative advised that due to your account previously being granted a late fee removal,we are unable to grant an additional [ate fee credit within an month periodThe call was thentransferred to a Customer Care supervisor, who apologized that we did not offer reoccurringpayments; however provided an alternate payment option of setting up reoccurring paymentsthrough your personal online bankingThe supervisor advised Comenity Bank has excused twolate fees in the last months and we are unable to remove another late fee; however, a coupontotaling $20.00, was offered to use on your next purchaseLastly, you were advised that paymentneeds to be received by the 2nd of each month, and the account does not have a grace period.To provide the best customer service possible, we offer multiple ways to make a payment.Choose a payment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off yourpayment in the store so it can be applied to your account on the same dayCheck the back ofyour billing statement to see if in-store payments are available for your account.Online: Online payments submitted before p.mEastern Time (ET) can be credited to youraccount same-dayOnline payments submitted after p.mET will be credited the following day(or on your future scheduled payment date)Please note that it may take up to two business daysto complete the financial transfer from your personal bank account to your NEW YORK &COMPANY account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing a week for the payment to arriveif you're a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on theback of your billing statement before p.mET to speak to a customer care representativeA feemay apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting: [redacted] Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.Please note, the previously assessed late fee of $27.00, was credited back to the NEW YORK &COMPANY account on September 12, Please allow up to two billing cycles for this creditto reflect on your statementPlease note, your account will not be eligibte for another late feecredit until March 2018.Should you have any further questions or concerns regarding this letter, please feel free to contactme at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Geanine M***
Dear Comenity Bank, I did not ever tell any rep from your company I was stranded, I did tell mr Guy the supervisor, that my phone was broken because a 3-year-old sat on it and broke it, and when guy gave me the temporary increase, he told me to use it with in hrs., I told him I lived right across the street and I was going right over to my Meijer’s storeI suggest you please get this story straightAnd review the phone recordingsAnd as far as good customer service goes, if you took the time to view all of the telephone recordings that happened after each time my credit card was declined from the first temporary MrGuy did, and I called in to your customer service , and was told that I have available credit of after the purchase of $206.00, and a few customer service reps told me there was no reason my card should be declined because I have the available credit, and I made several trips back to the store because your customer service people don’t know there job and this includes two supervisorsWhat makes no sense is that Guy the supervisor made a 1000-dollar mistake on a customer’s credit line, and after this mistake was made a few customer service reps told me after a few declines that I have the available credit so I went back to the store, it must be our system, and the supervisor Named Jenifer told me that Guy broke your policy and was not supposed to even do any kind of increase to the Meijer card, she said the increases are only for clothing cards, than Walter came into this and told me that Jenifer was wrong that guy was right in increasing it, so I told him Jenifer does not know your policy and she is a another supervisorYes, Comenity Bank did adjust over $in finance charges, that in its self should tell the bank what this customer has been throughWhat also makes no sense is that on 05/19/I called in and spoke to a regulation specialist and needed to use my card because there was a death in the family and I need to buy some clothing, and after speaking to the regulation specialist she went to a supervisor, and a third temporary increase was done to the account of $so I could make my purchase, all of these temporary increases so I can shop, but no one putting my credit line ware I was led to believe it was, and was told over and over again by customer service I have the available credit in closing I would like this complaint and all copies sent to John M***, and John S***, because I want them booth to see just how Laura R [redacted] , is treating their customers with her thought processThis is not right to do to a customer and a good card holderI would like my credit line to be the like I was led to believe, instead of all these temporary increases that have been made because of all the mistakes that wear made with my accountThis is so wrong Laura on every business and card holder level to do to meI feel very misled and violated because of all the bank employee’s mistakes, and trust me there was so many, too many LauraIf the credit line is adjusted to the I will continue to shop pay my bill and be a good customer and card holder, if it’s not I will be following up with a consumer protection bureau complaint so that this gets in the hands of John M [redacted] and john s [redacted] Thank you [redacted]
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Capital Bank issues the Lexus Pursuits Visa® credit card We are here to answer your questions and assist with your concerns We previously received and responded to your correspondence submitted to the Consumer Financial Protection Bureau (CFPB) regarding this same matter Please find enclosed a copy of our response sent to you on January 13, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Dear [redacted] ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Woman Within credit cardWe are here to answer your questions and assist with your concernsWe understand that you placed an order for several items that did not fit properlyThe items were returned for an exchange in which you have not received the new items, but have been charged for themYou state that you are being charged $plus a late fee that you refuse to pay, and you have attempted to resolve this issueYou would like to have the charge and the late fee removedWe are happy to further assist you with this issueIn order for us to conduct further research we require some additional information? A Brief explanation about why the charge(s) is being disputed ? Dates of the specific transaction(s) ? The specific item(s) that were ordered and returned ? Dates if when the item(s) were sent back for exchange or refundPlease send the above information to: Comenity Bank [redacted] [redacted] *** Once we have received this information, we will promptly investigate your disputeI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Diamond L*** Diamond L***
Dear Mr [redacted] We are in receipt of your additional complaint regarding the above-referenced accountComenity Bank issues PALAIS ROYAL credit card accounts, and we respond to all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.In your complaint you are rejecting our previous response dated May 11, You state you attempted to obtain a subpoena from the [redacted] courts, and were advised that you were unable to get a subpoena for Comenity Bank, unless you have an open case with Comenity Bank.Your previous complaint states that the account was opened in December You advised that you only opened an account with [redacted] in the last year, therefore, you believe the PALAIS ROYAL account is fraudulentYou are requesting Comenity Bank remove this account from your credit report.Please note, our response dated May 11, 2016, advised you that the PALIAS ROYAL account was opened in March 4, Additionally, the response advised that if you wanted a copy of the credit card application, a subpoena would be requiredFurthermore, we advised you that the account was sold to Portfolio Recovery on December 21, 2015.Please be advised that Comenity Bank no longer owns the account and we are no longer reporting the accountA review of the information you submitted indicates that as the owner of the account, Portfolio Recovery is now reporting the accountPlease contact Portfolio Recovery directly at ###-###-#### for any further assistance.I hope you have found this information helpfulIf you need additional assistance, contact Portfolio Recovery at the phone number listed aboveThey will be happy to assist you.Sincerely,Geanine M***
facts are wrong and the greedy company still never tried to solve my problem with themShow proof and tell the truth Regards, [redacted]
We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues Crate&Barrel credit card accounts, and we respond to account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that when you went to visit your daughter in Brooklyn in August of 2015, you visited a Crate&Barrel store and an account was established using your daughter’s address as you live in France; however, the incorrect address was entered and you did not receive your billing statements You state you contacted the Bank in January and agreed to settle the balance with a payment of $233.85, with the understanding that the $in fees would be removed However, additional fees continued to accrue and additional billing statements were sent to your daughter’s address You are requesting that the Bank honor the January 7, 2016, settlement of $233.85, which has already been paid Additionally, you request that we clear the balance, and close the account completely from your credit history We apologize for any inconvenience this matter may have caused you Our records indicate that when the account was opened on August 11, 2015, the address in our records did not have the apartment number Please be assured that the address was updated in our records with the apartment number on October 19, We have enclosed copies of your statements for your review The balance of $was billed on November 7, 2015, and was due by December 3, As no payment was received by the due date, a late fee and finance charge were assessed to the account in accordance with the Credit Card Agreement Your payment of $was received on January 15, Please be assured that the Bank is not holding you responsible for the remaining balance, and credits totaling $have been applied to your account, to remove the previously assessed late fees and finance charges Please be advised that with this adjustment the balance on your account is now zero Per your request, we have closed your account Additionally, we have sent notification to the national credit-reporting agencies to remove the negative payment information reported regarding the Crate&Barrel credit card account Please allow the credit-reporting agencies days to update their records We hope this information is helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at 1-800-675-5685, ext [redacted] (TDD/TTY 1-800-695-1788) I will be happy to assist you Sincerely, Ashley H [redacted] Consumer Relations Specialist CC: Revdex.com
Dear Ms [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-noted account Comenity Bank issues the CATHERINES® credit cardWe are here to answer your questions and assist with your concerns We understand your concerns regarding the unwanted telephone calls from our Bank referenced above We apologize for the inconvenience this matter may have caused you Bank records indicate that the CATHERINES® account was opened on September 12, 2016, in the name of [redacted] Use of the account, or failure to close the account within days of receiving the Credit Card Agreement (CCA) indicated your acceptance of the terms of the agreement A purchase of $was made on September 12, 2016, at the Catherines store in [redacted] On September 21, 2016, a statement was issued with a balance of $and minimum payment of $due by October 17, On September 27, 2016, the welcome kit was returned to the Bank, as the address listed on your account was not your current address As no payment was received, late fees and finance charges were assessed to your account, in accordance with the CCA 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 Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status Due 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 we have removed the late fees in the amount of $and the finance charges in the amount of $ Please be advised that notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment history that was previously reported regarding the CATHERINES® account Please allow the credit-reporting agencies days to update their records Also, we have enclosed a copy of your September billing statement for your records The balance on your CATHERINES® account is $ 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 [redacted] Compliance Dept– Consumer Responses
[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: I am rejecting this response because the balance transfer in the amount of -which was transferred to the account number [redacted] should be -not a charge of and therefore it should not be treated as an amount I owe but as a credit in my behalf This is simple mathIt was not credited to my account on the transfer Regards, [redacted]
Dear [redacted] ***: We have received the inquiry you sent to the Revdex.com regarding the above-noted accountYour correspondence was forwarded to Comenity Bank Comenity Bank issues the Bergner’s credit card, and we are here to help answer your questionsI appreciate the opportunity to assist you with your concerns We understand from your complaint to the Revdex.com that your Equifax report is showing the account being delinquent for months after paying your account off in February We do apologize for the inconvenience you may have experienced After researching our records, we had found the payment history reported incorrectly Please be assured, notification had been sent to the national credit-reporting agencies with instructions to remove the reported delinquency after February 2014, with regard to your Bergner’s account Please allow the credit-reporting agencies days to update their records Further records show your account received payment of $on February 17, On February 19, 2014, we had notified the credit-reporting agencies that your account was a charge off and settled in full for less than the balance owed I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Jack C [redacted]
Dear Ms [redacted] : We are in receipt of your complaint regarding the above-referenced accounts Comenity Bank issues the mentioned credit card account, 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 concernsWe understand from your complaint, you were contacted by an auto-dialer regarding your Goody’s account being past-dueYou state that you advised our Payment Solutions representative that your account is set up on automatic bill pay, which provide monthly confirmation receiptsIn addition, while speaking to our representative, you felt that the representative, as well as the supervisor, was rude and sarcasticYou are requesting Comenity Bank to reverse any late fees assessed to your Goody’s account, as well as the removal of delinquencies submitted to the credit reporting agencies as a result of this matterPlease be advised, the last payment received on your Goody’s account posted on March 7, 2016, in the amount of $ The next payment of $43.00, is due by April 5, Please be assured, the Bank has reviewed the applicable phone conversations We apologize if you felt that you did not receive the best customer service It is never the Bank’s intention to treat our customers in a less-than-satisfactory manner Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not metAlso, we would like to apologize for any inconvenience this matter may have caused youPlease note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact the customer regarding the status of the account Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status Due to potential negative ramifications for our customers if an account remains delinquent, we may continue to call you during business hours starting at 8:a.m- 9:p.mEastern Time, until our attempt to communicate is successfulPlease be assured, your payment history for your Goody’s credit card account reflect as current, and there has been no derogatory information submitted to the credit reporting agenciesComenity Bank is required by law to report factual data to the credit bureaus with regard to account activity Lastly, in the interest of customer service, the $late fee assessed to your account on March 10, 2016, has been reversedWe apologize for any frustration or inconvenience that you may have experienced regarding this matterShould you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Geanine M***
Thank you for taking care of the matter regarding Comenity BankWithout your involvement they would not have resolved this.Sincerely, Ms [redacted]
Dear [redacted] : Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced accountComenity Bank issues the Williams Sonoma Visa credit cardWe are here to answer your questions and assist with your concerns We understand you are disappointed with the change in terms for your account, and that you will review your credit report to confirm the change the Bank previously requestedPlease be advised we have notated your account accordingly I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Kristina W***
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts Comenity Bank issues avenue®, VICTORIA’S SECRET, and NEW YORK & COMPANY 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 previously received and responded to your complaint submitted to Comenity Bank regarding this same matter Please find enclosed copies of our responses sent to you on March 10, 2016, and March 11, We 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 accounts, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Renee S***
Dear [redacted] We received your complaint, submitted to theRevdex.com, regarding the above-referenced accounts Comenity Bank issues Express, Venus, JCrew,The Buckle, New York & Company, Roaman's®, BrylaneHome®, Woman Within® , fullbeauty, Ann Taylor/Loft, Marathon andVictoria’s Secret/PINK credit card accounts, and we respond to allaccount-related questions I appreciatethe opportunity to address your concernsWe understand from your complaint that uponbeing approved, the above-referenced accounts were closed; as such you wereasked to provide documentation to have the accounts re-opened Additionally, you state that the accountsbeing reported as closed is affecting your credit report tremendously The Bank actively monitors a consumer’s account(s), as well as, creditapplications submitted, for potential security concerns Due to the potential security concerns with the above referencedaccounts; your accounts were suspended until further verification could beobtained from you We appreciate the time you have spent providing the Bank with the requesteddocuments to verify your identityPlease note that on July 2, 2015, after speaking with an Account Controlspecialist, the Bank was able to verify your identity, as such all of theaccounts have been re-opened.Please be assured notification was sent tothe national credit-reporting agencies advising them of the updates made to theaccounts Please allow the creditreporting agencies days to update their recordsOn behalf of the Bank, I would like to extenda sincere apology for any inconvenience or frustration this situation hascaused you Comenity Bank is committedto providing the best customer service possible, and we are disappointed when acustomer feels that this standard was not met.Please be assured, all applicable phoneconversations outlined in your complaint have been reviewed by our managementteam, and their recommendations regarding an appropriate resolution will be followed.I hope you find this information to behelpful Should you have any furtherquestions, please contact medirectly at ###-###-#### (TDD/TTY (###-###-####) I will be happy to assist you.Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted] We recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card account Comenity Capital Bank issues HSN credit card accounts and we respond to all account-related inquiries I appreciate the opportunity to assist you We understand from your complaint that you purchased a laptop, along with an extended warranty, from HSN in October You state that you returned the laptop to HSN, and that you received credit for the returned merchandise on October 30, However, you received monthly billing statements from the Bank indicating an account balance of $ In an attempt to rectify this matter, you scheduled a same day payment by phone with a Bank representative for the account balance, including a $same day payment by phone fee You are requesting Comenity Capital Bank reinstate your HSN credit card account, issue you a full refund for any money paid towards the account, and send notification to the credit bureaus acknowledging the error We understand your concerns, and we sincerely apologize for any frustration or inconvenience this matter may have caused you After a thorough review, our records indicate on October 13, 2014, you elected to enroll in an optional debt cancellation program from Account Assure The monthly fee for Account Assure is based on the outstanding monthly balance of your HSN account each month The monthly fee is $per $of your outstanding balance If there is no balance at billing, there is no charge Bank records further indicate a charge of $for a HP 17” Alaptop was applied to the account on October 13, The purchase was placed on a 9-month promotion with deferred interest payment required plan, scheduled to end on July 17, On October 14, 2014, a charge of $for an extended warranty was applied to the account On October 22, 2014, your HSN account billed with an outstanding balance of $831.36; as a result, charges in the amount of $and $were applied to the account for the Account Assure monthly subscription fee On October 30, 2014, HSN issued credits, for the returned merchandise, in the amount of $to the HSN account The remaining balance due on the account after these credits were applied was $16.21, which included the Account Assure monthly subscription fees As payments were not received by the respective due date(s) and/or were made for less than the minimum payment required, late fees and finance charges were applied to the account, as explained in the Credit Card Agreement (CCA), and the HSN account was reported as 60-days past due Although there were no Bank errors, in the interest of customer service, we issued credits totaling $on April 13, 2015, for all applicable fees The credits issued resulted in a $credit balance A refund check in this amount was requested for you, and should arrive in a separate mailing within days In addition, we sent notification to the national credit-reporting agencies, with instructions to delete the negative payment information for the months of December 2014, February 2015, and March 2015, from your credit bureau report Please allow the credit-reporting agencies days to update their records Please be assured, as the date of this letter, your enrollment in the account protection from Account Assure has been cancelled, and your HSN account has been restored The account balance is zero, and the credit limit is $1, We hope you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the Torrid credit cardWe are here to answer your questions and assist with your concerns We understand from the complaint that on October 18, 2016, you made a purchase of $and you noticed that you were billed twice for the same amountYou state that you have had multiple interactions with Torrid and Torrid.com without success, and you have been advised to contact Comenity BankYou state you are now receiving phone calls regarding a balance you do not oweYou would like for the duplicate charge to be investigatedWe apologize for the inconvenience you have experienced regarding this matter We have contacted Torrid, on your behalf, regarding duplicate charge of $Please be advised that credit for $has been issued to your account for the duplicate chargeIn addition, the previously assessed late fees and interest charges in the amount of $have been removed from your account Please be advised that the Bank will no longer contact you regarding the status of your Torrid account, as the balance on your account is now 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***
Dear [redacted] We have received your correspondence sent to theRevdex.com (Revdex.com) Comenity Bank issues Talbots credit card accounts, andwe are here to help answer your questions I appreciate the opportunity to assist you withyour concerns.We are also in receipt of your correspondencesubmitted to the Federal Deposit Insurance Corporation (FDIC) Please find enclosed a copy of our responsesent to you on August 20, 2015.I hope you have found this information to behelpful If you have any questions orconcerns, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will behappy to assist you.Sincerely,Tionna M [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your HSN creditcard accountComenity Capital Bank issues HSN credit card accounts, and we respond to allaccount-related questionsYour complaint was fotwarded to my attention, and I appreciate theopportunity to assist you.Our records indicate that the situation referenced in your complaint has been investigated, and aresponse was previously issued on December 9, 2016, explaining our findings along with billingstatements and resolutionComenity Capital Bank's position remains unchangedWe haveenclosed a copy of our previous response for your records.As of the date of this letter, the balance on your HSN credit card account is $Each monththat the account has an unpaid balance, a finance charge will be assessed at billingThe currentAPR for the HSN account is 26.99%Additionally, if payment is not received, is received for lessthan the required minimum, or is received after the due date, a late fee will also be assessedToavoid any additional bank fees, the account balance would need to be paid in full by the due dateeach monthThe Bank finds the account balance to be valid.I hope you found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M [redacted]