Dear Ms***We recently received a complaint, addressed to the Revdex.com, regarding yourNEW YORK & COMPANY and THE LIMITED credit card accountsComenity Bank issues theabove-referenced credit card accounts, and we respond to all account-related inquiriesYourcomplaint was
forwarded to my attention, and I appreciate the opportunity to assist you.You state in your complaint that you were contacted by the Bank on December 20, 2015, to setup payment arrangements for one year for both the NEW YORK & COMPANY, and THELIMITED credit card accountsThis payment arrangement would allow for you to pay off youraccounts within one year, and re-open themThe first payment was to be paid on January 15,2016.On January 15, 2016, you did not hear from the representative and decided to contact theBank to make your first paymentOn January 29, 2016, you received a call from the Bank withthe attempt to collect on the above-referenced accountsYou contacted the Bank back onFebruary 3, 2016, at which time you were advised that both accounts had charged off inNovember of 2015, and you requested to speak to a supervisor.You spoke to MrM*** and you requested to have the tapes pulled, for both of the priorconversationsMrM*** was to contact you back once the calls were reviewedHe attemptedto contact you back; however, MrM***’s attempt was unsuccessful.You contacted the Bank in attempts to speak to MrM*** and spoke to two morerepresentatives that you state were very rude, unaccommodating, and unwilling to help.We understand that you are requesting Comenity Bank honor the payment arrangement set upby our Bank representative on December 20, 2015, which would allow you to pay off the debtwithout your accounts going to collections, so that you may regain use of your credit cardsWeunderstand your concerns, and we sincerely apologize for any frustration or inconvenience thismatter may have caused you.Please be assured that the applicable telephone conversations have been reviewedIt is neverthe Bank's intention to treat our customers in a less-than-satisfactory manner, and we aredisappointed when a customer feels that they have not been provided with the best servicepossibleYour opinion of our service is important to us, and we appreciate the time you spent innotifying us of your concerns.After a thorough investigation, our records indicate that the NEW YORK & COMPANY account was opened on November 23, The last purchase was made on June 10, 2015, in the amount of $The last payment was made on January 15, 2016, in the amount of $The NEW YORK & COMPANY account exceeded six consecutive billing cycles past due; as a result, the account was permanently closed, and reported to the credit-reporting agencies as an unpaid debt on November 16, 2015, in the amount of $1,970.68THE LIMITED account was opened on November 30, The last purchase was made on April 19, 2015, in the amount of $The last payment was made on January 15, 2016, in the amount of $THE LIMITED account exceeded six consecutive billing cycles past due; as a result, the account was permanently closed, and reported to the credit-reporting agencies as an unpaid debt on November 16, 2015, in the amount of $1,615.15.Based upon your inquiry, the Bank has reviewed the applicable phone conversation with our Recovery representative that took place on December 20, Our records indicate that the NEW YORK & COMPANY, and THE LIMITED accounts were closed and reported as unpaid debtsThe representative advised you that you could set up payment arrangements to keep the account with the Bank, and to prevent the account from going to a third party or attorney’s officeYou agreed to a payment arrangement as you wanted to pay off the account balances, and to regain use of the accounts.During this conversation you were advised that you would have to secure the month payment plan with a paymentYou expressed that you were unable to make a payment with a checking account, and routing numberYou were also advised by the associate that he would contact you each month to secure your paymentThe payment date was set for January 15, In addition, you were advised that you would have to wait days after the final payment to request the accounts be reopened.Unfortunately, we are unable to honor the arrangement without a secured paymentTo secure payment we would need to have a checking and routing number to an account in your name which will be automatically debited.Additionally, due to the above-referenced accounts being closed by the Bank, you would have to reapply to establish a line of credit.Comenity Bank understands that customers may experience difficulty making their payments due to unforeseen circumstancesTo further set up a secured payment arrangement with a checking account, and routing number; please contact our Payment Solutions Department at ###-###-####.We value you as a customer, and we hope you find this information to be helpfulIf you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)Sincerely,Diamond L***
This company has sent me all kinds of paperwork and bills that prove to me that they indeed have done what I have accused them of doing I have accounts with them and they are putting things from account on the other and think that I will pay twice for the same itemMy Woman Within account has been paid up because that problem has been solved .My romans and Brylane Home accounts are all mixed up and they are not willing to fix the problemI can't afford to pay all those late fees and finance charges that add up to more than I oweBrylane Home account I only Orderd floor tiles for $and a deep fryer for $of which I have paid thats all I owe on that account and they have added a charge from Woman Within to that account,and I have paid off Woman within why would I pay for it twice.Romans has my account reversed I don't owe them anything but $99,I can not except this because they reuse to look at the whole picture and fix the problem.I guess my next step will be through my attorney
Regards,
*** ***
I believe this check was cashed fraudulently I would like to see proof of the signature on the check to see whether it looks like my signature I would also like to know which US Bank location this check was cashed at My family unexpectedly moved in the middle of September I set up mail forwarding with the USPS on September 13, before I had time to make address changes on all my relevant accounts Afterward, I had multiple pieces of mail that went missing (various bills I expect each month)
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the Avenue credit cardWe are here to answer your questions and assist withyour concerns.Your correspondence indicates you set up payment arrangements on your account, but it
was sold to*** *** *** without your knowledgeYou are requesting we retrieve your accountfrom *** *** ***, so you can finish paying the balance, and show a positive mark onyour credit report.We have reviewed the concerns and would like to share our findingsWhen an account is delinquent,we will make attempts to contact the customer regarding the status of the accountMany times apayment is overlooked by the customer, and a reminder call is helpful to bring the account back to acurrent statusDue to potential negative ramifications for our customers if an account remainsdelinquent, we may call until our attempt to communicate is successful.The Bank will continue to try to connect with customers, even if they have indicated that they do notcurrently have the funds to make a payment, because customers’ circumstances can change and wewant to try to work out payment arrangements whenever possible.While speaking with Bank representatives you may set up payment arrangements for accounts thathave fallen delinquentNormally, these arrangements are set up for a specified date, amount andpayment methodOnce this arrangement is noted on the account, collection calls will be suspendeduntil the date of the paymentAfter that date, calls may resume if the account remains delinquent inorder for the Bank to make new arrangementsOur associates are to offer this option as long as thecustomer is able to provide the specified date, amount, and how they will make their payment.Our records indicate your account was noted on March 11, 2015, with a promise to pay of $25.00beginning March 25, and continuing each month through August 25, On April 27, 2016,you were advised by a collection representative that your account was not on a payment arrangement;an acceptable arrangement occurs when payments are scheduled with a representative and futuredates and amounts are noted on the accountRegrettably, no new arrangement was noted afterAugust 25, 2015, and the $payments you made did not meet the minimum due amount requiredon your account.Because the full minimum payments were not received, the Avenue account exceeded six consecutive billing cycles past due; as a result, the account was permanently closed, and reported to the credit-reporting agencies as an unpaid debt on February 19, 2015, with a balance of $910.79.The last payment of $was received on September 23, The account was sold on October 24, 2016, with a balance of $A letter was sent to you on October 25, 2016, advising of the sale.Please be assured, Comenity Bank is no longer reporting this account to the credit reporting agencies.We hope you find this information to be helpfulFor any additional information about this account, or to make payment arrangements, please contact *** at ###-###-####.Sincerely,Shelley A***
Dear *** ** *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns I understand your concerns
regarding the charges for Account Assure on your Lane Bryant credit card accountI further understand you would like all charges removed from your account for Account Assure After a thorough review, Bank records indicate on November 29, 2011, you elected to enroll in an optional debt cancellation program from Account AssureThe monthly fee for Account Assure is based on the outstanding monthly balance of your account each monthThe monthly fee is $per $of your outstanding balanceIf there is no balance at billing, there is no charge Please be assured, as of February 20, 2017, your enrollment in the account protection from Account Assure has been cancelledAdditionally, we have issued credits totaling $on March 22, 2017, for all applicable fees 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***
On Commenity Banks online website to pay bills and see all of the history of purchases and payments, there is and has always been a green check mark on the current checking account for payment of services I did not change that check mark to a closed checking account When I submitted my payment, it was on the current checking account As soon as I saw the message from Commenity Bank regarding this matter, I immediately submitted funds again and closed all accounts associated with Commenit Bank so that I cannot be charged for any fees that I have not incurred I have submitted complaints with the Revdex.com and all three credit reporting agencies I have sent a complaint to the federal trade comission I will be in touch with other agencies that deal with issues of credit card issues that I have with Commenity Bank I will not accept the answer that was given to my by Commenity Bank because I did not make this error I will no longer be a consumer of any Commenity Bank retailers To the Revdex.com, thank you for all of your help in this matter I will no longer be a customer of any Commenity Bank services
Regards, *** ***
Dear *** *** Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the Roaman’s credit cardWe are here to answer your questions and assist with your concerns We understand from the complaint that you returned your
order and that you have always been able to return items free of charge, if you don’t like the items when they are receivedHowever, now you are receiving bills that have increased to $including a late feeYou also state that you have experienced rude treatmentand you are requesting to have the billing stoppedWe apologize for the inconvenience you have experienced regarding this matter Please note that Comenity Bank and Roaman’s are two separate entitiesThe Bank issues and is responsible for addressing questions related to the Roaman’s credit card account, while Roaman’s is responsible for handling matters related to sales, merchandise processing, returns, shipping and handling, and Smart Label fees We have contacted Roaman’s on your behalf and we have been advised that when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling. When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded. Additionally, if you use the Smart Label for the return, your account is billed $for the cost of the return shipping Bank records indicate that a purchase of $was charged to your account on January 20, 2017, and the return credit was applied on February 9, 2017, for $as well as the Smart Label fee of $ On January 23, 2017, a purchase of $was charged to your account, and on February 13, 2017, the return credit of $was applied to the account, as well as the Smart Label fee of $ In the interest, of customer service the Bank has removed the previously assessed late fee and finance charge in the amount of $With this adjustment the balance on your account is $This balance is validWe 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***
Dear *** ***Thank you for your additional complaint, addressed to the Revdex.com, regarding the abovenotedapplicationComenity Capital Bank issues Orbitz Rewards Visa@ credit card accounts, and werespond to all account-related questionsYour compliant was forwarded to my attention, and I appreciatethis opportunity to assist you.Your compliant states that you are unsatisfied with my previous response regarding the outcome of yourOrbib Rewards Visa applicationYou further indicate that you did not request to have the inquiryremoved from your credit bureau report, and you ask for a review of the denial letter that you reference inyour complaint where it states that we are unable to verify your credit history.Due to the fact that we are unable to view your credit report, Comenity Capital Bank will remove theinquiry in its entirety.Due to their compliance policies, the credit bureaus do not delete inquiries from a consumer's creditbureau reportHowever, when the Bank requests that an inquiry be removed, the credit bureaus willchange it to a soft inquiryThis means that the inquiry only appears when the consumer pulls his or herown credit reportA soft inquiry does not appear on a consumer's credit report that is provided to alender or any other authorized party, and it does not impact the consumer's credit scoreTherefore, youwill continue to see the inquiry on your credit report, but it will not be visible to anyone else who may pullyour credit report.As stated in our previous correspondence, we appreciate your interest in our credit card program withOrbitz Rewards Visa@ and invite you to reapply in the near future once the freeze has been removedfrom your credit fileAn application may be submitted online at http:llwww.orbitz.com.We hope you find this information helpfulIf you have any questions please feel free to contact me at ###-###-#### (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Rosa M*** *** ***
Dear *** *** *** Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and are here to help with your questions The Revdex.com forwarded your complaint to my attention and I appreciate the opportunity to respond to
your concerns. You state that since August 10, 2015, Comenity Bank has been calling your home before 9:a.mand you are requesting to not receive any calls before that time. We sincerely apologize for any frustration or inconvenience this matter may have caused you. We have reviewed our records and we were unable to locate any calls from the Bank to an account in your name with the telephone number ending in *** If you are still receiving calls from the Bank, please provide the telephone number that you are receiving calls on. Once we have received this information, we would be happy to research your concerns We hope you find this information helpful. If you have any additional questions or concerns please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R*** *** *** ***
From: [email protected] [mailto:[email protected]] Sent: Sunday, February 05, 7:PMTo: [email protected]: Re: Compliant Against Metrostyle Credit Card ID: 11814541Greetings: The purpose of this e-mail is to furnish my reply to letter dated January 31, from KaiM*** Comenity Bank Compliance Department, After reviewing Comenity Bank response to Revdex.com; Information is not accurate and I disagreeI was informed that the Twenty ($20.00) dollars would be waived after Metrostyle Customer Service Department learned that, the merchandise was refusedThat left the account with a zero balance. Comentiy Bank stated in the letter, they will no longer provide additional information concerning my disputePoint of contact is *** *** @ ###-###-####, which is the new Bank for Metrostyle Credit Card.I'm quite sure Metrostyle record conversations with customersNot sure if Metrostyle Customer Service is willing to provide a letter which will support my dispute. I am willing to contact Metrostyle and *** *** by way conversation if applicableThis matter has prolonged and require closure. Sincerely, Ms *** ***
I am rejecting this response because: I have it written down that I paid this bill in fullFor some reason it must have not gone through I am requesting that you please remove all fees and I will pay the balance in full I don't know what happened here..maybe it was an Internet error
...but I did make dogs payment
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Justice credit card accounts, and we are here to answer all of your account-related questionsYour correspondence was forwarded to my attention, and I
appreciate the opportunity to assist you.I understand from your complaint that you made three payments to the wrong account numberAdditionally, you state you have previously provided information to have these payments located and you request the payments be applied to the Justice accountI apologize for any inconvenience or frustration that this matter may have caused you.After a thorough investigation, we discovered the electronic payments you made for $on January 30, 2015, $on February 10, 2015, and $on February 27, 2015, were applied to another accountPlease be assured that credits for the above-referenced payments have been applied to your Justice accountAs of the date of this letter, your balance is $144.25.I hope you find this information to be helpfulShould you have any further questions or concerns, please contact me at the address noted above, or by calling toll free at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
.Thank you for contacting Comenity Bank. As the bank that issues *** * *** credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the RevDex.com, was forwarded to my attention, and I appreciate the
opportunity to assist
you.We understand your concerns regarding the
outstanding balance on your *** * *** credit card account and the
additional telephone calls that you have received. You are requesting that the Bank clear the
above-noted account balance to zero, as originally agreed upon in June 2015,
and correct the reporting on your credit file.
We sincerely apologize for any frustration or inconvenience this matter
may have caused you.Thank you for taking the time to speak with
me on September 9, 2015. As a foll
to our conversation, Bank records indicate on September 3, 2015, credits
totaling $were issued to the account for the previously assessed Bank
fees. Additionally, notification was sent to the
credit-reporting agencies to remove the reported delinquency for June 2015, from your credit file. Please allow up to days for this
information to be updated in their records.The Bank has reviewed the applicable telephone calls, and we
regret the manner in which your account was handled. Calls and letters of this nature are reviewed
by our management team, and their recommendations regarding an appropriate
resolution are followed.Due to the inconvenience this matter caused, as
a token of our appreciation, an additional credit of $was issued on September
9, 2015; you are a valued customer. Lastly, on September 9, 2015, your
Christopher & Banks account was reopened, per your request. The account has an available credit of $500.00, and a credit
balance of $25.00, which can be used towards your next purchase We hope you find this information to be
helpful. If you have any further
questions, please contact me directly at ###-###-####, ext*** (TDD/TTY
###-###-####). I will be happy to
assist you
Dear *** ** ***Thank you for the recent complaint, addressed to the Revdex.com, regarding the above-notedaccountComenity Bank issues Crate&Barrel credit accounts, and we are here to help with your accountrelatedquestionsYour complaint was fotwarded to my attention, and I
appreciate the opportunity to respondto your concerns.I understand from your complaint that you made a purchase in November and eamed an $rewardcertificate that was to be applied towards your new purchase made in November However, this rewardwas not applied towards your new order and you are requesting that your account be credited $for thatreward certificateI apologize for any confusion or inconvenience this situation may have caused you.Please be advised that Comenity Bank and Crate&Barrel are two separate entitiesThe Bank is responsiblefor addressing questions related to the credit account, and Crate&Barrel is responsible for addressing concernsregarding merchandise, charges, and credits.After reviewing your account, our records indicate that a purchase of $1,posted to your account onNovember 75, 2013, and a billing statement was issued to you on December 8, 2013, showing a minimumpayment due by January 3, Furthermore, attached to this statement was your reward certificate for$80.00, which was set to expire on March 8, 2014.On November 14, 2014, a purchase of $1,was charged to your accountYou stated that your $80.00reward certificate was to be applied toward this order; however, it was not applied towards your orderPleasebe advised that the expiration date for the $reward certificate was March 8, 2014; therefore, it was nolonger valid when you made your new purchase.Please note that all reward certificates eamed will be included at the top of the monthly billing statements.Furthermore, certificates will expire within daysCrateBBarrel does not accept expired rewards and will notreissue expired reward certificates.Comenity Bank has found no billing errors on your account, we are unwilling to issue a credit to your accountfor the expired reward certificate.Should you have any additional questions or concerns regarding your account please do not hesitate to contactme directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Dear Mr***We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET credit cards, and we are here to answer account-related questionsYour complaint was forwarded to my attention and I appreciate the
opportunity to respond to your concerns.We understand your concerns expressed in the complaint and that you indicate this account was opened fraudulentlyYou never authorized or signed an agreement and you are requesting that the balance is removed from the account.Please be assured that the Bank previously received your letter indicating the fraud claim and the information was forwarded to our Account Protection (Fraud) teamOn May 4, 2016, the account was noted with “Closed Pending Fraud Case”, and fraud case 20160504-was opened to investigate your claimFraud cases may take as long as days to resolveThe investigator assigned to your case is Heather L***After speaking with MsL***, on your behalf, she confirmed that the case has been closed, and you are not responsible for the account or the chargesA letter was sent to you on June 30, 2016, confirming that you are not responsible for the account and advised you that the account will be removed from your credit report.In addition, if you haven’t already, we strongly suggest that you place a fraud victim alert on your credit reportPlease contact one of the national credit-reporting agencies listed below to activate a fraud alert.Experian (TRW)TransUnion (TRU)Equifax (CBI)PO Box Experian Parkway Allen, TX - ###-###-####PO Box Springfield, PA - ###-###-####PO Box Atlanta, GA - 024###-###-####http://www.experian.comhttp://www.transunion.comhttp://www.equifa...⇄ hope you find this information to be helpful, and we apologize for any confusion or inconvenience this matter has caused youShould you have any further questions or concerns regarding this matter, please contact the Account Protection team at ###-###-#### (TDD/TTY ###-###-####)They are happy to assist you.Sincerely,Shawnda Y***
Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the David’s Bridal credit cardWe are here to answer your questions and assist with your concerns. We understand from your
correspondence that you made a payment to your account a week before the promotional plan endedYou state that a few weeks later you found that the payment was returned and a fee was added to your account after the promotional plan endedYou state that you made another payment immediately, and now there is a remaining fee of $100.00. Furthermore, you are requesting to remove the $fee and have the account paid off. The March 3, 2017, purchase for $was placed on a month deferred interest, payment required plan with an expiration date of September 3, Under the terms of this promotional plan, interest on the purchase is deferred until the plan expiresThis means that interest on this purchase was accruing monthly from the original purchase date but was not being applied to your accountIn order to keep the accrued finance charges from being applied to your account, the entire promotional purchase amount needed to be paid in full by the promotional plan’s expiration dateThis promotional purchase was not paid in full by the expiration date mentioned above; therefore, the accrued interest was applied to your accountThe details of your promotional plan, as well as the expiration date, were present on each billing statement. Bank records indicate the $payment received on August 29, 2017, was returned by your bank as “unable to locate”The payment was received via our phone systemPlease note the Bank has no control over the information that is entered into our phone system. As of the date of this letter, your account balance is $132.86. While we understand your concern, after our review of your account, we have determined the balance is accurate and no adjustments are neededIf you have any questions or concerns, please feel free to contact me at *** *** Sincerely, Rosa M***
RE: *** *** ANN INCwould like to follow up on this complaint submitted by the client *** *** As this concerns involves an account inquiry it has been directed to our partners at Comenity Bank that manage the credit card programThe Credit Card program will be following up
directly regarding this concern. Sincerely, Michelle S*SrManager, Corporate Client Contact ANN INC.s why here
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the abovereferencedcredit accountComenity Capital Bank previously issued American Laser Skincarecredit accounts, and we are here to assist you with all account-related questionsI appreciatethe
opportunity to respond to your concerns.We understand from your complaint that you purchased a full body treatment, in the amount of$4,446.40w, ith American Laser SkincarePrior to receiving notification via email that AmericanLaser Skincare clinics were closing, you state that you had only received three treatmentsYouare requesting the Bank issue a credit, in the amount of $for the previously submittedpayments since you have not received the treatments to support this amount.Bank records indicate that we received your previously submitted billing disputes concerning thepurchase of $4,in May and August of Correspondence regarding the Bank'sresolution was mailed to the address listed at the top of this letter on May 15, and September20, 2015.Please note, we resolved your disputes in accordance with the dispute provisions of the CreditCard Agreement (CCA), which are also outlined in the Billing Rights Summary contained in themonthly billing statementsSpecifically, please refer to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statementwrite to us at: Comenity Capital Bank,PO Box 182620, Columbus, Ohio 43218-In your lettergive us the followinginformation:Account information: Your name and account numberDollar amount: The dollar amount of the suspected errorDescription of Problem: If you think there is an error on your bill, describe whatyou believe is wrong and why you believe it is a mistakeYou must contact us within days after the error appeared on your statement.You must notify us of any potential errors in writingYou may call us, but if you do weare not requlred to investigate any potential errors and you may have to pay the amountin question.While we investigate whether or not there has been an error, the following are true:We cannot try to collect the amount in question, or report you as delinquent onthat amount.The charge in question may remain on your statement, and we may continue tocharge you interest on that amountBut, I f we determine that we made a mistake,you will not have to pay the amount in question or any interest or other feesrelated to that amount.While you do not have to pay the amount in question, you are responsible for theremainder of the balance.= We can apply any unpaid amount against your credit limit.Your Rights if You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with yourcredit cared and you have tried in good faith to correct the problem with the merchant, youmay have the right not to pay the remaining amount due on the purchaseTo use thisright, all of the following must be true:The purchase must have been made in your home state or within miles of yourcurrent mailing address, and the purchase price must have been more than $50.00.(Note: Neither of these is necessary if your purchase was based on anadvertisement we mailed to you, or if we own the company that sold you the goodsor services.)You must have used your credit card for the purchasePurchases made with cashadvances from an ATM or with a check that accesses your credit card account donot qualifyYou must not yet have fully paid for the purchase.What this means is if the dispute was submitted more than days after the first billingstatement on which the disputed charge appeared and you had not yet fully paid for thepurchase, the maximum amount eligible for a credit is the balance on the account at the time ofthe disputeHowever, if the amount that you disputed or the prorated amount for theservices not received is less than your balance, then you will receive that lesser amountPlease note the above-noted account had an outstanding balance of $3,when yourbilling dispute dated May 4, 2015, was received, and as a result, only this amount was credit tothe above-noted account.Due to the dispute provisions of the CCA, we are unwilling to refund the amount of $asrequestedThis account has a zero balance.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concernsplease contact me at ###-###-####, ext***(TDD/TTY *** I would be happy to assist you.Sincerelv,Diamond L***
Dear *** ***: 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 tried to make a second payment for a specific amount on your HSN account via the Bank’s Account Center website on April 1, 2015, and April 3, 2015; however, when selecting the “other amount” payment option, the screen jumped to the current balance and the statement balance. You state that Comenity Capital Bank is illegally blocking your payment; as such, you are requesting the Bank fix the problem and remove the block. We understand your concerns, and we sincerely apologize for any inconvenience or frustration you have experienced. Thank you for taking the time to speak with me on several occasions regarding this matter. On April 22, 2015, I attempted to contact you, by telephone, to explain the resolution to this matter. Unfortunately, my attempt was unsuccessful. After a thorough investigation, our records indicate that the issue outlined in your compliant is on the user experience and is only occurring on Android cellular phones. Our investigation further confirmed that after a user selects the “other amount” payment option and enters in a numeric payment amount, the Save option disappears. However, when the user clicks anywhere on the screen, the Save option is visible and the user can proceed with completing their payment. Bank records further indicate that we received four payments totaling $during the month of April 2015: a payment of $was received on April 1, 2015, a payment of $was received on April 7, 2015, a payment of $was received on April 11, 2015, and a payment of $was received on April 20, 2015. These payments have satisfied the monthly minimum payment required for the April 19, 2015, due date. As of the date of this letter, your account balance is $1, We value you as a customer, and we hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, *** *** Consumer Relations Specialist
Dear Ms***We recently received a complaint, addressed to the Revdex.com, regarding yourNEW YORK & COMPANY and THE LIMITED credit card accountsComenity Bank issues theabove-referenced credit card accounts, and we respond to all account-related inquiriesYourcomplaint was
forwarded to my attention, and I appreciate the opportunity to assist you.You state in your complaint that you were contacted by the Bank on December 20, 2015, to setup payment arrangements for one year for both the NEW YORK & COMPANY, and THELIMITED credit card accountsThis payment arrangement would allow for you to pay off youraccounts within one year, and re-open themThe first payment was to be paid on January 15,2016.On January 15, 2016, you did not hear from the representative and decided to contact theBank to make your first paymentOn January 29, 2016, you received a call from the Bank withthe attempt to collect on the above-referenced accountsYou contacted the Bank back onFebruary 3, 2016, at which time you were advised that both accounts had charged off inNovember of 2015, and you requested to speak to a supervisor.You spoke to MrM*** and you requested to have the tapes pulled, for both of the priorconversationsMrM*** was to contact you back once the calls were reviewedHe attemptedto contact you back; however, MrM***’s attempt was unsuccessful.You contacted the Bank in attempts to speak to MrM*** and spoke to two morerepresentatives that you state were very rude, unaccommodating, and unwilling to help.We understand that you are requesting Comenity Bank honor the payment arrangement set upby our Bank representative on December 20, 2015, which would allow you to pay off the debtwithout your accounts going to collections, so that you may regain use of your credit cardsWeunderstand your concerns, and we sincerely apologize for any frustration or inconvenience thismatter may have caused you.Please be assured that the applicable telephone conversations have been reviewedIt is neverthe Bank's intention to treat our customers in a less-than-satisfactory manner, and we aredisappointed when a customer feels that they have not been provided with the best servicepossibleYour opinion of our service is important to us, and we appreciate the time you spent innotifying us of your concerns.After a thorough investigation, our records indicate that the NEW YORK & COMPANY account was opened on November 23, The last purchase was made on June 10, 2015, in the amount of $The last payment was made on January 15, 2016, in the amount of $The NEW YORK & COMPANY account exceeded six consecutive billing cycles past due; as a result, the account was permanently closed, and reported to the credit-reporting agencies as an unpaid debt on November 16, 2015, in the amount of $1,970.68THE LIMITED account was opened on November 30, The last purchase was made on April 19, 2015, in the amount of $The last payment was made on January 15, 2016, in the amount of $THE LIMITED account exceeded six consecutive billing cycles past due; as a result, the account was permanently closed, and reported to the credit-reporting agencies as an unpaid debt on November 16, 2015, in the amount of $1,615.15.Based upon your inquiry, the Bank has reviewed the applicable phone conversation with our Recovery representative that took place on December 20, Our records indicate that the NEW YORK & COMPANY, and THE LIMITED accounts were closed and reported as unpaid debtsThe representative advised you that you could set up payment arrangements to keep the account with the Bank, and to prevent the account from going to a third party or attorney’s officeYou agreed to a payment arrangement as you wanted to pay off the account balances, and to regain use of the accounts.During this conversation you were advised that you would have to secure the month payment plan with a paymentYou expressed that you were unable to make a payment with a checking account, and routing numberYou were also advised by the associate that he would contact you each month to secure your paymentThe payment date was set for January 15, In addition, you were advised that you would have to wait days after the final payment to request the accounts be reopened.Unfortunately, we are unable to honor the arrangement without a secured paymentTo secure payment we would need to have a checking and routing number to an account in your name which will be automatically debited.Additionally, due to the above-referenced accounts being closed by the Bank, you would have to reapply to establish a line of credit.Comenity Bank understands that customers may experience difficulty making their payments due to unforeseen circumstancesTo further set up a secured payment arrangement with a checking account, and routing number; please contact our Payment Solutions Department at ###-###-####.We value you as a customer, and we hope you find this information to be helpfulIf you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)Sincerely,Diamond L***
This company has sent me all kinds of paperwork and bills that prove to me that they indeed have done what I have accused them of doing I have accounts with them and they are putting things from account on the other and think that I will pay twice for the same itemMy Woman Within account has been paid up because that problem has been solved .My romans and Brylane Home accounts are all mixed up and they are not willing to fix the problemI can't afford to pay all those late fees and finance charges that add up to more than I oweBrylane Home account I only Orderd floor tiles for $and a deep fryer for $of which I have paid thats all I owe on that account and they have added a charge from Woman Within to that account,and I have paid off Woman within why would I pay for it twice.Romans has my account reversed I don't owe them anything but $99,I can not except this because they reuse to look at the whole picture and fix the problem.I guess my next step will be through my attorney
Regards,
*** ***
Response
I believe this check was cashed fraudulently I would like to see proof of the signature on the check to see whether it looks like my signature I would also like to know which US Bank location this check was cashed at My family unexpectedly moved in the middle of September I set up mail forwarding with the USPS on September 13, before I had time to make address changes on all my relevant accounts Afterward, I had multiple pieces of mail that went missing (various bills I expect each month)
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the Avenue credit cardWe are here to answer your questions and assist withyour concerns.Your correspondence indicates you set up payment arrangements on your account, but it
was sold to*** *** *** without your knowledgeYou are requesting we retrieve your accountfrom *** *** ***, so you can finish paying the balance, and show a positive mark onyour credit report.We have reviewed the concerns and would like to share our findingsWhen an account is delinquent,we will make attempts to contact the customer regarding the status of the accountMany times apayment is overlooked by the customer, and a reminder call is helpful to bring the account back to acurrent statusDue to potential negative ramifications for our customers if an account remainsdelinquent, we may call until our attempt to communicate is successful.The Bank will continue to try to connect with customers, even if they have indicated that they do notcurrently have the funds to make a payment, because customers’ circumstances can change and wewant to try to work out payment arrangements whenever possible.While speaking with Bank representatives you may set up payment arrangements for accounts thathave fallen delinquentNormally, these arrangements are set up for a specified date, amount andpayment methodOnce this arrangement is noted on the account, collection calls will be suspendeduntil the date of the paymentAfter that date, calls may resume if the account remains delinquent inorder for the Bank to make new arrangementsOur associates are to offer this option as long as thecustomer is able to provide the specified date, amount, and how they will make their payment.Our records indicate your account was noted on March 11, 2015, with a promise to pay of $25.00beginning March 25, and continuing each month through August 25, On April 27, 2016,you were advised by a collection representative that your account was not on a payment arrangement;an acceptable arrangement occurs when payments are scheduled with a representative and futuredates and amounts are noted on the accountRegrettably, no new arrangement was noted afterAugust 25, 2015, and the $payments you made did not meet the minimum due amount requiredon your account.Because the full minimum payments were not received, the Avenue account exceeded six consecutive billing cycles past due; as a result, the account was permanently closed, and reported to the credit-reporting agencies as an unpaid debt on February 19, 2015, with a balance of $910.79.The last payment of $was received on September 23, The account was sold on October 24, 2016, with a balance of $A letter was sent to you on October 25, 2016, advising of the sale.Please be assured, Comenity Bank is no longer reporting this account to the credit reporting agencies.We hope you find this information to be helpfulFor any additional information about this account, or to make payment arrangements, please contact *** at ###-###-####.Sincerely,Shelley A***
Dear *** ** *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns I understand your concerns
regarding the charges for Account Assure on your Lane Bryant credit card accountI further understand you would like all charges removed from your account for Account Assure After a thorough review, Bank records indicate on November 29, 2011, you elected to enroll in an optional debt cancellation program from Account AssureThe monthly fee for Account Assure is based on the outstanding monthly balance of your account each monthThe monthly fee is $per $of your outstanding balanceIf there is no balance at billing, there is no charge Please be assured, as of February 20, 2017, your enrollment in the account protection from Account Assure has been cancelledAdditionally, we have issued credits totaling $on March 22, 2017, for all applicable fees 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***
On Commenity Banks online website to pay bills and see all of the history of purchases and payments, there is and has always been a green check mark on the current checking account for payment of services I did not change that check mark to a closed checking account When I submitted my payment, it was on the current checking account As soon as I saw the message from Commenity Bank regarding this matter, I immediately submitted funds again and closed all accounts associated with Commenit Bank so that I cannot be charged for any fees that I have not incurred I have submitted complaints with the Revdex.com and all three credit reporting agencies I have sent a complaint to the federal trade comission I will be in touch with other agencies that deal with issues of credit card issues that I have with Commenity Bank I will not accept the answer that was given to my by Commenity Bank because I did not make this error I will no longer be a consumer of any Commenity Bank retailers To the Revdex.com, thank you for all of your help in this matter I will no longer be a customer of any Commenity Bank services
Regards, *** ***
Dear *** *** Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the Roaman’s credit cardWe are here to answer your questions and assist with your concerns We understand from the complaint that you returned your
order and that you have always been able to return items free of charge, if you don’t like the items when they are receivedHowever, now you are receiving bills that have increased to $including a late feeYou also state that you have experienced rude treatmentand you are requesting to have the billing stoppedWe apologize for the inconvenience you have experienced regarding this matter Please note that Comenity Bank and Roaman’s are two separate entitiesThe Bank issues and is responsible for addressing questions related to the Roaman’s credit card account, while Roaman’s is responsible for handling matters related to sales, merchandise processing, returns, shipping and handling, and Smart Label fees We have contacted Roaman’s on your behalf and we have been advised that when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling. When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded. Additionally, if you use the Smart Label for the return, your account is billed $for the cost of the return shipping Bank records indicate that a purchase of $was charged to your account on January 20, 2017, and the return credit was applied on February 9, 2017, for $as well as the Smart Label fee of $ On January 23, 2017, a purchase of $was charged to your account, and on February 13, 2017, the return credit of $was applied to the account, as well as the Smart Label fee of $ In the interest, of customer service the Bank has removed the previously assessed late fee and finance charge in the amount of $With this adjustment the balance on your account is $This balance is validWe 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***
Dear *** ***Thank you for your additional complaint, addressed to the Revdex.com, regarding the abovenotedapplicationComenity Capital Bank issues Orbitz Rewards Visa@ credit card accounts, and werespond to all account-related questionsYour compliant was forwarded to my attention, and I appreciatethis opportunity to assist you.Your compliant states that you are unsatisfied with my previous response regarding the outcome of yourOrbib Rewards Visa applicationYou further indicate that you did not request to have the inquiryremoved from your credit bureau report, and you ask for a review of the denial letter that you reference inyour complaint where it states that we are unable to verify your credit history.Due to the fact that we are unable to view your credit report, Comenity Capital Bank will remove theinquiry in its entirety.Due to their compliance policies, the credit bureaus do not delete inquiries from a consumer's creditbureau reportHowever, when the Bank requests that an inquiry be removed, the credit bureaus willchange it to a soft inquiryThis means that the inquiry only appears when the consumer pulls his or herown credit reportA soft inquiry does not appear on a consumer's credit report that is provided to alender or any other authorized party, and it does not impact the consumer's credit scoreTherefore, youwill continue to see the inquiry on your credit report, but it will not be visible to anyone else who may pullyour credit report.As stated in our previous correspondence, we appreciate your interest in our credit card program withOrbitz Rewards Visa@ and invite you to reapply in the near future once the freeze has been removedfrom your credit fileAn application may be submitted online at http:llwww.orbitz.com.We hope you find this information helpfulIf you have any questions please feel free to contact me at ###-###-#### (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Rosa M*** *** ***
Dear *** *** *** Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and are here to help with your questions The Revdex.com forwarded your complaint to my attention and I appreciate the opportunity to respond to
your concerns. You state that since August 10, 2015, Comenity Bank has been calling your home before 9:a.mand you are requesting to not receive any calls before that time. We sincerely apologize for any frustration or inconvenience this matter may have caused you. We have reviewed our records and we were unable to locate any calls from the Bank to an account in your name with the telephone number ending in *** If you are still receiving calls from the Bank, please provide the telephone number that you are receiving calls on. Once we have received this information, we would be happy to research your concerns We hope you find this information helpful. If you have any additional questions or concerns please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R*** *** *** ***
From: [email protected] [mailto:[email protected]] Sent: Sunday, February 05, 7:PMTo: [email protected]: Re: Compliant Against Metrostyle Credit Card ID: 11814541Greetings: The purpose of this e-mail is to furnish my reply to letter dated January 31, from KaiM*** Comenity Bank Compliance Department, After reviewing Comenity Bank response to Revdex.com; Information is not accurate and I disagreeI was informed that the Twenty ($20.00) dollars would be waived after Metrostyle Customer Service Department learned that, the merchandise was refusedThat left the account with a zero balance. Comentiy Bank stated in the letter, they will no longer provide additional information concerning my disputePoint of contact is *** *** @ ###-###-####, which is the new Bank for Metrostyle Credit Card.I'm quite sure Metrostyle record conversations with customersNot sure if Metrostyle Customer Service is willing to provide a letter which will support my dispute. I am willing to contact Metrostyle and *** *** by way conversation if applicableThis matter has prolonged and require closure. Sincerely, Ms *** ***
I am rejecting this response because: I have it written down that I paid this bill in fullFor some reason it must have not gone through I am requesting that you please remove all fees and I will pay the balance in full I don't know what happened here..maybe it was an Internet error
...but I did make dogs payment
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Justice credit card accounts, and we are here to answer all of your account-related questionsYour correspondence was forwarded to my attention, and I
appreciate the opportunity to assist you.I understand from your complaint that you made three payments to the wrong account numberAdditionally, you state you have previously provided information to have these payments located and you request the payments be applied to the Justice accountI apologize for any inconvenience or frustration that this matter may have caused you.After a thorough investigation, we discovered the electronic payments you made for $on January 30, 2015, $on February 10, 2015, and $on February 27, 2015, were applied to another accountPlease be assured that credits for the above-referenced payments have been applied to your Justice accountAs of the date of this letter, your balance is $144.25.I hope you find this information to be helpfulShould you have any further questions or concerns, please contact me at the address noted above, or by calling toll free at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
.Thank you for contacting Comenity Bank. As the bank that issues *** * *** credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the RevDex.com, was forwarded to my attention, and I appreciate the
opportunity to assist
you.We understand your concerns regarding the
outstanding balance on your *** * *** credit card account and the
additional telephone calls that you have received. You are requesting that the Bank clear the
above-noted account balance to zero, as originally agreed upon in June 2015,
and correct the reporting on your credit file.
We sincerely apologize for any frustration or inconvenience this matter
may have caused you.Thank you for taking the time to speak with
me on September 9, 2015. As a foll
to our conversation, Bank records indicate on September 3, 2015, credits
totaling $were issued to the account for the previously assessed Bank
fees. Additionally, notification was sent to the
credit-reporting agencies to remove the reported delinquency for June 2015, from your credit file. Please allow up to days for this
information to be updated in their records.The Bank has reviewed the applicable telephone calls, and we
regret the manner in which your account was handled. Calls and letters of this nature are reviewed
by our management team, and their recommendations regarding an appropriate
resolution are followed.Due to the inconvenience this matter caused, as
a token of our appreciation, an additional credit of $was issued on September
9, 2015; you are a valued customer. Lastly, on September 9, 2015, your
Christopher & Banks account was reopened, per your request. The account has an available credit of $500.00, and a credit
balance of $25.00, which can be used towards your next purchase We hope you find this information to be
helpful. If you have any further
questions, please contact me directly at ###-###-####, ext*** (TDD/TTY
###-###-####). I will be happy to
assist you
Dear *** ** ***Thank you for the recent complaint, addressed to the Revdex.com, regarding the above-notedaccountComenity Bank issues Crate&Barrel credit accounts, and we are here to help with your accountrelatedquestionsYour complaint was fotwarded to my attention, and I
appreciate the opportunity to respondto your concerns.I understand from your complaint that you made a purchase in November and eamed an $rewardcertificate that was to be applied towards your new purchase made in November However, this rewardwas not applied towards your new order and you are requesting that your account be credited $for thatreward certificateI apologize for any confusion or inconvenience this situation may have caused you.Please be advised that Comenity Bank and Crate&Barrel are two separate entitiesThe Bank is responsiblefor addressing questions related to the credit account, and Crate&Barrel is responsible for addressing concernsregarding merchandise, charges, and credits.After reviewing your account, our records indicate that a purchase of $1,posted to your account onNovember 75, 2013, and a billing statement was issued to you on December 8, 2013, showing a minimumpayment due by January 3, Furthermore, attached to this statement was your reward certificate for$80.00, which was set to expire on March 8, 2014.On November 14, 2014, a purchase of $1,was charged to your accountYou stated that your $80.00reward certificate was to be applied toward this order; however, it was not applied towards your orderPleasebe advised that the expiration date for the $reward certificate was March 8, 2014; therefore, it was nolonger valid when you made your new purchase.Please note that all reward certificates eamed will be included at the top of the monthly billing statements.Furthermore, certificates will expire within daysCrateBBarrel does not accept expired rewards and will notreissue expired reward certificates.Comenity Bank has found no billing errors on your account, we are unwilling to issue a credit to your accountfor the expired reward certificate.Should you have any additional questions or concerns regarding your account please do not hesitate to contactme directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Dear Mr***We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET credit cards, and we are here to answer account-related questionsYour complaint was forwarded to my attention and I appreciate the
opportunity to respond to your concerns.We understand your concerns expressed in the complaint and that you indicate this account was opened fraudulentlyYou never authorized or signed an agreement and you are requesting that the balance is removed from the account.Please be assured that the Bank previously received your letter indicating the fraud claim and the information was forwarded to our Account Protection (Fraud) teamOn May 4, 2016, the account was noted with “Closed Pending Fraud Case”, and fraud case 20160504-was opened to investigate your claimFraud cases may take as long as days to resolveThe investigator assigned to your case is Heather L***After speaking with MsL***, on your behalf, she confirmed that the case has been closed, and you are not responsible for the account or the chargesA letter was sent to you on June 30, 2016, confirming that you are not responsible for the account and advised you that the account will be removed from your credit report.In addition, if you haven’t already, we strongly suggest that you place a fraud victim alert on your credit reportPlease contact one of the national credit-reporting agencies listed below to activate a fraud alert.Experian (TRW)TransUnion (TRU)Equifax (CBI)PO Box Experian Parkway Allen, TX - ###-###-####PO Box Springfield, PA - ###-###-####PO Box Atlanta, GA - 024###-###-####http://www.experian.comhttp://www.transunion.comhttp://www.equifa...⇄ hope you find this information to be helpful, and we apologize for any confusion or inconvenience this matter has caused youShould you have any further questions or concerns regarding this matter, please contact the Account Protection team at ###-###-#### (TDD/TTY ###-###-####)They are happy to assist you.Sincerely,Shawnda Y***
Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the David’s Bridal credit cardWe are here to answer your questions and assist with your concerns. We understand from your
correspondence that you made a payment to your account a week before the promotional plan endedYou state that a few weeks later you found that the payment was returned and a fee was added to your account after the promotional plan endedYou state that you made another payment immediately, and now there is a remaining fee of $100.00. Furthermore, you are requesting to remove the $fee and have the account paid off. The March 3, 2017, purchase for $was placed on a month deferred interest, payment required plan with an expiration date of September 3, Under the terms of this promotional plan, interest on the purchase is deferred until the plan expiresThis means that interest on this purchase was accruing monthly from the original purchase date but was not being applied to your accountIn order to keep the accrued finance charges from being applied to your account, the entire promotional purchase amount needed to be paid in full by the promotional plan’s expiration dateThis promotional purchase was not paid in full by the expiration date mentioned above; therefore, the accrued interest was applied to your accountThe details of your promotional plan, as well as the expiration date, were present on each billing statement. Bank records indicate the $payment received on August 29, 2017, was returned by your bank as “unable to locate”The payment was received via our phone systemPlease note the Bank has no control over the information that is entered into our phone system. As of the date of this letter, your account balance is $132.86. While we understand your concern, after our review of your account, we have determined the balance is accurate and no adjustments are neededIf you have any questions or concerns, please feel free to contact me at *** *** Sincerely, Rosa M***
RE: *** *** ANN INCwould like to follow up on this complaint submitted by the client *** *** As this concerns involves an account inquiry it has been directed to our partners at Comenity Bank that manage the credit card programThe Credit Card program will be following up
*SrManager, Corporate Client Contact ANN INC.s why here
directly regarding this concern. Sincerely, Michelle S
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the abovereferencedcredit accountComenity Capital Bank previously issued American Laser Skincarecredit accounts, and we are here to assist you with all account-related questionsI appreciatethe
opportunity to respond to your concerns.We understand from your complaint that you purchased a full body treatment, in the amount of$4,446.40w, ith American Laser SkincarePrior to receiving notification via email that AmericanLaser Skincare clinics were closing, you state that you had only received three treatmentsYouare requesting the Bank issue a credit, in the amount of $for the previously submittedpayments since you have not received the treatments to support this amount.Bank records indicate that we received your previously submitted billing disputes concerning thepurchase of $4,in May and August of Correspondence regarding the Bank'sresolution was mailed to the address listed at the top of this letter on May 15, and September20, 2015.Please note, we resolved your disputes in accordance with the dispute provisions of the CreditCard Agreement (CCA), which are also outlined in the Billing Rights Summary contained in themonthly billing statementsSpecifically, please refer to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statementwrite to us at: Comenity Capital Bank,PO Box 182620, Columbus, Ohio 43218-In your lettergive us the followinginformation:Account information: Your name and account numberDollar amount: The dollar amount of the suspected errorDescription of Problem: If you think there is an error on your bill, describe whatyou believe is wrong and why you believe it is a mistakeYou must contact us within days after the error appeared on your statement.You must notify us of any potential errors in writingYou may call us, but if you do weare not requlred to investigate any potential errors and you may have to pay the amountin question.While we investigate whether or not there has been an error, the following are true:We cannot try to collect the amount in question, or report you as delinquent onthat amount.The charge in question may remain on your statement, and we may continue tocharge you interest on that amountBut, I f we determine that we made a mistake,you will not have to pay the amount in question or any interest or other feesrelated to that amount.While you do not have to pay the amount in question, you are responsible for theremainder of the balance.= We can apply any unpaid amount against your credit limit.Your Rights if You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with yourcredit cared and you have tried in good faith to correct the problem with the merchant, youmay have the right not to pay the remaining amount due on the purchaseTo use thisright, all of the following must be true:The purchase must have been made in your home state or within miles of yourcurrent mailing address, and the purchase price must have been more than $50.00.(Note: Neither of these is necessary if your purchase was based on anadvertisement we mailed to you, or if we own the company that sold you the goodsor services.)You must have used your credit card for the purchasePurchases made with cashadvances from an ATM or with a check that accesses your credit card account donot qualifyYou must not yet have fully paid for the purchase.What this means is if the dispute was submitted more than days after the first billingstatement on which the disputed charge appeared and you had not yet fully paid for thepurchase, the maximum amount eligible for a credit is the balance on the account at the time ofthe disputeHowever, if the amount that you disputed or the prorated amount for theservices not received is less than your balance, then you will receive that lesser amountPlease note the above-noted account had an outstanding balance of $3,when yourbilling dispute dated May 4, 2015, was received, and as a result, only this amount was credit tothe above-noted account.Due to the dispute provisions of the CCA, we are unwilling to refund the amount of $asrequestedThis account has a zero balance.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concernsplease contact me at ###-###-####, ext***(TDD/TTY *** I would be happy to assist you.Sincerelv,Diamond L***
Dear *** ***: 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 tried to make a second payment for a specific amount on your HSN account via the Bank’s Account Center website on April 1, 2015, and April 3, 2015; however, when selecting the “other amount” payment option, the screen jumped to the current balance and the statement balance. You state that Comenity Capital Bank is illegally blocking your payment; as such, you are requesting the Bank fix the problem and remove the block. We understand your concerns, and we sincerely apologize for any inconvenience or frustration you have experienced. Thank you for taking the time to speak with me on several occasions regarding this matter. On April 22, 2015, I attempted to contact you, by telephone, to explain the resolution to this matter. Unfortunately, my attempt was unsuccessful. After a thorough investigation, our records indicate that the issue outlined in your compliant is on the user experience and is only occurring on Android cellular phones. Our investigation further confirmed that after a user selects the “other amount” payment option and enters in a numeric payment amount, the Save option disappears. However, when the user clicks anywhere on the screen, the Save option is visible and the user can proceed with completing their payment. Bank records further indicate that we received four payments totaling $during the month of April 2015: a payment of $was received on April 1, 2015, a payment of $was received on April 7, 2015, a payment of $was received on April 11, 2015, and a payment of $was received on April 20, 2015. These payments have satisfied the monthly minimum payment required for the April 19, 2015, due date. As of the date of this letter, your account balance is $1, We value you as a customer, and we hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, *** *** Consumer Relations Specialist