Dear *** ** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Avenue credit card. We are here to answer your questions and assist with your concerns I understand from your
correspondence, you were charged a late fee in the amount of $for the month of December because your payment was five dollars less than the required minimum due Please keep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee and finance charge, as explained in the Credit Card Agreement Although the late fee of $is valid, in the interest of customer service, it has been credited to your account, as well as the associated finance charge of $0.22. These credits will appear on your account in one to two billing statements I hope you have found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Kristina W***
I was told I would not be charged a late fee I do not agree with your response If an employee tells me I won't be charged a late fee I believe them Since I am not able to trust what your employees and how your company does business I will be closing my account with you and will be letting all my friends know how you do business!
Regards, *** ***
January 10, *** ***
*** *** ***
*** ** *** RE: *** *** *** *** *** ** ***
*** ***
*** *** ** *** Dear Ms***: Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the ***’s credit cardWe are here to answer your questions and assist with your concerns We understand your concerns regarding the ***’s account, you state that your account is paid off; however, it is being reported as delinquent. You are requesting that we clear the account by updating the credit bureaus. We apologize for the inconvenience this matter may have caused you Bank records indicate that no payments were received from August to January 2016, and at that time your account was reported five billing periods past due. Also due to non-payment your credit limit was reduced to zero on October 18, On February 10, 2016, a payment of $was made and brought your account current. However, from March to July 2016, no payments were made and your account, was reported four billing periods past due. A payment of $was made on August 5, 2016, which paid your account balance in full Please be assured that we have reviewed the information reporting to the credit-reporting agencies regarding your ***’s account, and our records indicate that your account is reporting accurately. Please be advised that we are required by law to report factual information, and can only change or delete information we reported incorrectly We understand that our customers may experience circumstances beyond their control which may cause their accounts to become delinquent. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to other potential creditors why the account became past due, and it may contribute to their decision. You may reach the credit bureaus by using the following information: *** ***
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* I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
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*** *** *** ***
Dear *** *** *** We received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues LOVELOFT accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to address your concerns We understand your concerns as explained in your correspondence You state that you paid off your account balance of $and received a statement showing that interest was applied to your account totaling $39.90. You request that the Bank cease and desist contacting you by telephone and that we not sell your number to other businesses. Additionally, you request that we close your LOVELOFT account. Our records indicate on May 10, 2015, the LOVELOFT credit card account was opened. 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, including the assessment of any finance charges and fees Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the CCA. The account billed on April 11, 2016, with a balance of $and a minimum payment of $due by May 7, 2016. As no payment was received by the May due date; a late fee and finance charge were assessed. The account billed on May 12, 2016, with a balance of $and a minimum payment of $due by June 7, 2016. As no payment was received by the June due date, a late fee and finance charge were assessed; resulting in an outstanding balance of $ The account fell two billing cycles past due. On June 12, 2016, the Bank received your payment of $230.34, leaving your account with a balance of $39.90. Although we found no billing errors on the part of Comenity Bank, in the interest of customer service, credits totaling $have been issued to the account, for the fees that were previously assessed. Please be assured, as an additional courtesy, we sent notification to the national credit-reporting agencies with instructions to delete the day delinquency that was reported for June 2016, regarding the LOVELOFT account. Please allow the national credit-reporting agencies up to days to update their records. On June 21, 2016, the account was closed, per your request. Although you requested your account closed, we hope that you will continue to shop with LOFT. Comenity Bank will honor your cease and desist request. You should no longer be receiving phone calls regarding the LOVELOFT account. In addition, Comenity Bank opted you out of information sharing. We hope you find this information helpful. Should you have any further questions or concerns, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Tionna M***
Good morning, please see my statement attached This states the second of December (most reliable companies give a day grace, but not this one) However New York and Company and Comenity Bank have admitted this was paid on the First but the statement shows the second because apparently they have a cutoff I find this illegal and I will go to small claims court to clear this I am not paying $in late fees I have already closed the account and I want the balance (fraudulent late fees) removed completely Frankly its terrible this has gone this far This credit card company should have done the right thing from the beginning, not continue illegal fees and compound them with more fees The balance was PAID IN FULL on time Thank you
Dear Ms***We rewived your complaint, addressed to the Revdex.com, regarding the accountsreferenced aboveComenity Bank issues the above-referenced credit card accounts, and weare here to assist you with all account-related questions or concernsI appreciate theopportunity to
respond to your concerns.We understand from your complaint that you request no further telephone communication fromthe Bank.Please understand that when our records show an account as delinquent, we will makeattempts to contact the customer regarding the status of the acwuntMany times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatusDue to potential negative ramifications for our customers if an account reinainsdelinquent, we may call until our attempt to communicate is successful.Per your request, a "cease and desist" status has been placed on your accountsThis ceaseand desist request will stop all future collection calls, but it will also suspend authorizations fornew purchases on all of your accounts since we will be unable to contact youYou will cottinueto receive certain legal communications as permitted by lawYour request to cease and desistcontact on your accounts may be changed at any time by contacting us again in writing at thebelow address:Cornenjty BankP.OBox 182273Columbus, OH 8-2273Please find a summary of the above-referenced accounts belowUse of the accounts, or failureto close the accounts within days of receiving the Credit Card Agreement indicated youracceptance of the terms of the agreement, including the assessment of any finance chargesand fees.Bank records indicate the Ashley Stewart account was opened on June 23, The lastpurchase of $posted to the account on May 9,2015, and the last payment of $wasreceived on December The account balance is $with a minimum payment of$due by January The account is four billing periods past due.The Lane Bryant Retail account was opened on June 1, The last purchase of $99.40posted to the account on August 2015, and the last payment of $was received onNovember 6, The account balance is $with a minimum payment of $-due byJanuary 3, The account is one billing period past due.The Venus account was opened on August 24,The last purchase of $posted to theaccount on April 28,2015, and the last payment of $was received on December 11,5.The account balance is $with a minimum payment of $due by December The account is three bi\ling periods past due.Please noteshould an account exceed six consecutive billing periods past due, the accountwould be permanently dosed and written off, due to non-payment, and reported to the nationalcredit-reporting agencies as an unpaid debt.The Bank understands that customers may experience difficulty making their payments due toeconomic factorsYou may be eligible for enrollment in our Customer Hardship ProgramThisprogram provides customers with six to twelve months of special terms in order to bring andkeep the account currentIf you are interested in obtaining information on whether you qualifyfor this program, please call our Payment Solutions team at ###-###-####.Also, customers who are experiencing financial difficulties are urged to contact a non-proffiConsumer Credit Counseling Service (CCCS), organization for assistanceTheir programs canprovide options such as reducing the interest rate and the minimum payment requirement, andcould include all of your creditorsComenity Bank supports and participates in the programsprovided by CCCS agenciesShould you wish to obtain information regarding their programsand for a member agency located near you, please contact the National Foundation for CreditCounseling at #########We hope you find this information to be helpfulShould you have any further questions, pleasecontact me directly at ###-###-####, ext *** TDD/TTY ###-###-####)I will be happyto assist you.Sincerely,Amanda R** *** *** ***
Dear *** ***We have received the complaint regarding the above-referenced accountComenity Capital Bank issues Lending Club Patient Solutions credit accounts, and we are here to help with your 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 reviewing the complaint, the Bank understands that you financed orthodontia treatments on your account; however, you state that you cancelled your treatments and were issued a credit of $2,100.00, which left a remaining balance of $owingYou further state that you received a statement showing a minimum payment of $due, which is more than the balance you state you owedFurthermore, you contacted our Customer Care team and were advised that the minimum payment was updated and that your minimum payment was zeroHowever, you continued to receive statements showing a past due balance owing and it has affected your credit bureau historyYou are requesting that your account and credit bureau history be updatedWe apologize for any frustration or inconvenience this situation may have caused you.Our records indicate that on March 23, 2016, a purchase of $2,posted to your account and was placed on a 24-month waived interest equal payment plan, set to expire on March 25, Purchases on this plan will not be assessed interest if the purchase is paid completely, before the end date of the promotional periodAt the end of the promotional period, any balance remaining on the plan is added to the regular revolving balanceThe customer is required to make equal monthly payments during the promotional periodFor example, if the customer’s purchase is $1,and the plan lasts for months, the customer is required to make an equal payment of $each monthPlease be advised that the information regarding your promotional plans appeared on your monthly billing statements, under the heading, “details of your plans”.Bank records further show that a credit of $2,posted to your account on August 3, 2016, which left a remaining balance of $Please be advised as a result of payment not being received, or being received late, for the months of April 2016, May 2016, June 2016, July 2016, and August 2016, late fees and finance charges were assessed to your account.Please be advised the minimum payment on your account is based on your purchase of $2,As a result of your purchase being placed on the 24-month waived interest equal payment plan, your minimum payment is broken up into equal payments for the monthsAlthough a credit was applied to your account, the minimum payment would not changeAdditionally, please understand that any past due amount will be included in the minimum payment dueYour account billed on June 23, 2016, with a balance of $2,and a minimum payment of $due by July 19, No payment was received; therefore, when the account billed on July 24, 2016, it indicated a past due amount of $with a total minimum payment of $due by August 19, We received a payment of $on August 2, 2016, which still left a past due balanceA credit of $2,was applied to your account on August 3, 2016, leaving a remaining balance of $on your accountSince the minimum due, and the past due balance equaled your balance, the August 24, 2016, statement indicated a balance of $with a payment of $due by September 19, 2016.Although Comenity Capital Bank did not find any errors with the account, we issued a credit of $for the late fee that was assessed to your account on September 19, However, we are unwilling to remove any additional fees or update your credit bureau history, as they are valid.Your payment of $was received on September 20, 2016, and your balance is zero.We hope the information provided is helpfulShould you have any additional questions or concerns regarding this letter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***
I am rejecting this response because:
AGAIN, You Comenity HAVE a letter in your possession from *** *** directly stating that NOTHING was returned by you Comenity between June 1st and June 31st YOU Comenity claim that a payment was returned on June 15th I am 100% positive if you look at that date on my bank statement and any days before or after, you won't see a returned payment I am also 100% positive the letter from *** *** states this fact. I have waisted numerous days, phone calls, fax charges and time You Comenity asked for a letterhead from the bank after saying my full statement was not sufficient and YOU RECEIVED THAT LETTER.I will find our how I take this one step further because Come not is in the wrong with whatever mistake you made on my account that WAS in good standing and AGAIN that was paid days before the due date and above the minimum like I had always done in the past
Regards,
*** ***
My argument is that the West Elm representative we dealt with on the day of purchase did not explain the finance deal that Comenity Bank are now statingWhen we bought the furniture we were told something different and that we would NOT be charged any interest on our purchase OR that we had a deadline with which we needed pay by or receive the full amount of interest- THIS WAS NOT EXPLAINED TO ME. The West Elm representative presented this differently to me as I have stated aboveMy point is that what we were told on the day by the West Elm representative is not what is being stated by Comenity BankNot only that, I had never received any written verification of our finance deal via email, mail OR on my WE account (nor was it attached on the previous Revdex.com message from Comenity Bank like they said it was.) Had I had known this was the case, I would have paid the full amount off as and when needed!
Regards,
Tina Rix
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the account referencedaboveComenity Bank issues your KingSize credit card account, and we are here to assist you with allaccount-related questions or concernsI appreciate the opportunity to respond to
your concerns.We understand from your complaint that you are stating you mailed your payment in a tlmely manner, andyou feel your $late fee should be removedYou also state you had issues reaching our CustomerCare team.Please be assured that Comenity Bank processes conforming payments the same day they are received.A conforming payment is one that includes a single check and a remittance stub in a remittanceenvelopeNon-conforming payments are opened, dated, and processed within five days of receipt.We apologize if you felt that you did not receive the best customer service when you contacted ourCustomer Care departmentIt is never the Bank's intention to treat our customers in a less-than satisfactorymannerCornenity Bank is committed to providing the best customer service and isdisappointed when a customer feels that this standard was not met.As of the date of this letter, we have removed the $late fee.We sincerely apologize for the frustration and inconvenience this matter may have caused youShouldyou have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext.*** (TDD/TTY ###-###-####), I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Dear *** ** ***
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Old Pueblo Traders credit cardWe are here to answer your questions and assist with your concerns. We previously received and responded to your
correspondence submitted to the Bank regarding this same matterPlease find enclosed a copy of our response sent to you on February 17, 2017. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Jenny W***
Per the letter, American Laser Skincare is responsible for refunds, but I did not pay American Laser SkincareMy payments were made to Comenity so they must be the entity to return payment to meIn addition, ALS is no longer available to contact for refunds as their offices are now closedComenity sent my money to ALS despite services being incomplete which they should not have remitted payment for unrendered treatmentsUpon issuing my refund, Comenity may thereafter request their funds back from ALS.
Regards,
*** ***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Ann Taylor Mastercard credit cardWe are here to answer your questions and assist with your concerns You state your bill is due on the 28th of each month, and you made a payment of $1,on February 1, 2017, to avoid being lateYou further state you were charged a late fee of $and a finance charge of $When you spoke with a representative of the Bank, you were told in order to avoid the late fee and finance charge, you should have made your payment on February 2, You are requesting a credit of the $late fee and $finance chargeWe sincerely apologize for any frustration or inconvenience this matter may have caused you We have reviewed your account and we are happy to share our findings. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee and a finance charge may be assessed to the account, as explained in the Credit Card AgreementPlease also be advised, customers do not have the ability to pay ahead on an account. In the interest of customer service, we issued credits totaling $to remove the previously assessed late fee and finance chargeThese credits posted to your account on March 17, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,
Comenity Capital Bank has received your correspondence regarding the above-referencedaccountComenity Capital Bank issues the DentalFirst Financing credit accountWe are here toanswer your questions and assist with your concerns.You state in your correspondence that you had dental work done with
Aspen Dental and financedthe charges on the credit accountYou were not happy with the dentures, and wanted to takeadvantage of the money back guaranteeYou further state you are receiving calls from the Bankregarding your billYou are requesting to have the balance adjusted to zero, and thedelinquencies removed from your credit file.Please be advised that Comenity Capital Bank and Aspen Dental are separate entitiesThe Bankis responsible for addressing questions related to the DentalFirst Financing credit account, whileAspen Dental is responsible for addressing concerns regarding treatments, charges, and refunds.We have reviewed the above-noted credit account, and we are pleased to share our findings.We reached out to Aspen Dental regarding your concern, and a credit of $3,was issuedon February 13, 2017, for the full cost of the denturesThe remaining balance, from the originaltransaction of $6,105.60, is for other services that were completed for youPlease be advisedthat you are responsible for the remaining balanceIf would like to further dispute these charges,we encourage you to contact Aspen Dental directly.As of today’s date, the balance on your account is $1,with a minimum payment of $426.00due on March 20, The account is two billing cycle past dueShould an account exceed sixconsecutive billing cycles past due, it will be written off and reported to the credit bureaus as anunpaid debt.Additionally, when an account is delinquent, we will make proactive attempts to contact thecustomer, communicate the situation and work out payment arrangements to minimize anynegative credit reportingMany times a payment is overlooked, and reminder calls or paymentdiscussions are helpful to bring the account back to a current statusComenity Capital Bank is required by law to report factual data to the credit bureaus with regardto account activityAt this time, Comenity Capital Bank finds the account and payment history tobe valid.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Compliance Dept
I did not receive the cash off price at the pump during the first days as promised on the credit agreement I signed with this bank, I was told that someone, on the bank's side, did not program my card to receive rebates Comenity has refused to address this after I made phone calls to their bank and then requested that they contact me my mail or email as I did not trust them to make phone calls, I have also contacted the ohio attorner general for advertisement and hope that you have a very good lawyer as I am taking Comenity to court and this may come to a newspaper near you
Regards,*** ***
Dear *** ***:Thank you for your recent complaint regarding the account noted aboveComenity Bank issuesPeebles credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention and
Iappreciate the opportunity to assist you.I understand you have received several calls per day regarding payment due on the account,although you state you did not receive billing statementsYour Peebles account was chargedfor magazine subscriptions that had been automatically renewedBy the time you were madeaware of this matter; your credit card account balance totaled $You indicate that youspoke with the magazine company, who cancelled your subscriptions, and promised to askPeebles to issue a full refundLastly, you state that the promise has not been fulfilled, whichhas resulted in additional interest and late fees being assessed to your Peebles credit cardaccountYou are requesting to have all fees credited back to you, as you did not authorize therenewal of the magazine subscriptions.Please accept our apology for any frustration that you may have experienced regarding thismatter.Bank records indicate that billing statements for the magazine charges were issued to youraddress, as shown in this correspondence, beginning on March 8, We have no record ofthe statements being returned as undeliverable.Please understand, when the Bank's records show an account as delinquent, the Bank willmake attempts to contact you regarding the status of the accountMany times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatusDue to potential negative ramifications for our customers if an account remainsdelinquent, Comenity Bank may call you until our attempt to communicate is successful.In the interest of the customer, Comenity Bank reached out to Synapse, the magazine vendor,via ernait, and was advised that two return credits have been applied to your account on May19, 2015, totaling $12.76, as well as additional credits totaling $on July 10, Pleasebe assured, remaining credits totaling $have been issued by the Bank to reduce thebalance to zero.Also, the Bank has notified the credit-reporting agencies to remove the derogatory paymentinformation that was reported regarding the Peebles account in May and June Pleaseallow days for this information to be updated in their records.Please be assured, per your request, the above mentioned account was closed on June 24,2015.I hope you find this information to be helpfulShould you have additional questions or concerns,please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M*** *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me. I'd like to personally thank *** *** for her time and effort in resolving the situation.I sent payment for the entire balance earlier today,
Regards,
*** ***
Dear Bobbie JB*** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Carson’s credit cardWe are here to answer your questions and assist with your concerns. We previously received and responded to your
correspondence regarding this same matter. Please find enclosed a copy of our response dated October 25, 2017. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely,Alyson F*
Dear *** ** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Avenue credit card. We are here to answer your questions and assist with your concerns I understand from your
correspondence, you were charged a late fee in the amount of $for the month of December because your payment was five dollars less than the required minimum due Please keep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee and finance charge, as explained in the Credit Card Agreement Although the late fee of $is valid, in the interest of customer service, it has been credited to your account, as well as the associated finance charge of $0.22. These credits will appear on your account in one to two billing statements I hope you have found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Kristina W***
I was told I would not be charged a late fee I do not agree with your response If an employee tells me I won't be charged a late fee I believe them Since I am not able to trust what your employees and how your company does business I will be closing my account with you and will be letting all my friends know how you do business!
Regards, *** ***
January 10, *** ***
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*** ** *** RE: *** *** *** *** *** ** ***
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*** *** ** *** Dear Ms***: Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the ***’s credit cardWe are here to answer your questions and assist with your concerns We understand your concerns regarding the ***’s account, you state that your account is paid off; however, it is being reported as delinquent. You are requesting that we clear the account by updating the credit bureaus. We apologize for the inconvenience this matter may have caused you Bank records indicate that no payments were received from August to January 2016, and at that time your account was reported five billing periods past due. Also due to non-payment your credit limit was reduced to zero on October 18, On February 10, 2016, a payment of $was made and brought your account current. However, from March to July 2016, no payments were made and your account, was reported four billing periods past due. A payment of $was made on August 5, 2016, which paid your account balance in full Please be assured that we have reviewed the information reporting to the credit-reporting agencies regarding your ***’s account, and our records indicate that your account is reporting accurately. Please be advised that we are required by law to report factual information, and can only change or delete information we reported incorrectly We understand that our customers may experience circumstances beyond their control which may cause their accounts to become delinquent. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to other potential creditors why the account became past due, and it may contribute to their decision. You may reach the credit bureaus by using the following information: *** ***
*** ***
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* I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
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Dear *** *** *** We received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues LOVELOFT accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to address your concerns We understand your concerns as explained in your correspondence You state that you paid off your account balance of $and received a statement showing that interest was applied to your account totaling $39.90. You request that the Bank cease and desist contacting you by telephone and that we not sell your number to other businesses. Additionally, you request that we close your LOVELOFT account. Our records indicate on May 10, 2015, the LOVELOFT credit card account was opened. 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, including the assessment of any finance charges and fees Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the CCA. The account billed on April 11, 2016, with a balance of $and a minimum payment of $due by May 7, 2016. As no payment was received by the May due date; a late fee and finance charge were assessed. The account billed on May 12, 2016, with a balance of $and a minimum payment of $due by June 7, 2016. As no payment was received by the June due date, a late fee and finance charge were assessed; resulting in an outstanding balance of $ The account fell two billing cycles past due. On June 12, 2016, the Bank received your payment of $230.34, leaving your account with a balance of $39.90. Although we found no billing errors on the part of Comenity Bank, in the interest of customer service, credits totaling $have been issued to the account, for the fees that were previously assessed. Please be assured, as an additional courtesy, we sent notification to the national credit-reporting agencies with instructions to delete the day delinquency that was reported for June 2016, regarding the LOVELOFT account. Please allow the national credit-reporting agencies up to days to update their records. On June 21, 2016, the account was closed, per your request. Although you requested your account closed, we hope that you will continue to shop with LOFT. Comenity Bank will honor your cease and desist request. You should no longer be receiving phone calls regarding the LOVELOFT account. In addition, Comenity Bank opted you out of information sharing. We hope you find this information helpful. Should you have any further questions or concerns, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Tionna M***
this still does not explain why I was issued credit cards if I was considered "too risky" and why all of my accounts were closed
Regards, *** ***
Good morning, please see my statement attached This states the second of December (most reliable companies give a day grace, but not this one) However New York and Company and Comenity Bank have admitted this was paid on the First but the statement shows the second because apparently they have a cutoff I find this illegal and I will go to small claims court to clear this I am not paying $in late fees I have already closed the account and I want the balance (fraudulent late fees) removed completely Frankly its terrible this has gone this far This credit card company should have done the right thing from the beginning, not continue illegal fees and compound them with more fees The balance was PAID IN FULL on time Thank you
Dear Ms***We rewived your complaint, addressed to the Revdex.com, regarding the accountsreferenced aboveComenity Bank issues the above-referenced credit card accounts, and weare here to assist you with all account-related questions or concernsI appreciate theopportunity to
respond to your concerns.We understand from your complaint that you request no further telephone communication fromthe Bank.Please understand that when our records show an account as delinquent, we will makeattempts to contact the customer regarding the status of the acwuntMany times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatusDue to potential negative ramifications for our customers if an account reinainsdelinquent, we may call until our attempt to communicate is successful.Per your request, a "cease and desist" status has been placed on your accountsThis ceaseand desist request will stop all future collection calls, but it will also suspend authorizations fornew purchases on all of your accounts since we will be unable to contact youYou will cottinueto receive certain legal communications as permitted by lawYour request to cease and desistcontact on your accounts may be changed at any time by contacting us again in writing at thebelow address:Cornenjty BankP.OBox 182273Columbus, OH 8-2273Please find a summary of the above-referenced accounts belowUse of the accounts, or failureto close the accounts within days of receiving the Credit Card Agreement indicated youracceptance of the terms of the agreement, including the assessment of any finance chargesand fees.Bank records indicate the Ashley Stewart account was opened on June 23, The lastpurchase of $posted to the account on May 9,2015, and the last payment of $wasreceived on December The account balance is $with a minimum payment of$due by January The account is four billing periods past due.The Lane Bryant Retail account was opened on June 1, The last purchase of $99.40posted to the account on August 2015, and the last payment of $was received onNovember 6, The account balance is $with a minimum payment of $-due byJanuary 3, The account is one billing period past due.The Venus account was opened on August 24,The last purchase of $posted to theaccount on April 28,2015, and the last payment of $was received on December 11,5.The account balance is $with a minimum payment of $due by December The account is three bi\ling periods past due.Please noteshould an account exceed six consecutive billing periods past due, the accountwould be permanently dosed and written off, due to non-payment, and reported to the nationalcredit-reporting agencies as an unpaid debt.The Bank understands that customers may experience difficulty making their payments due toeconomic factorsYou may be eligible for enrollment in our Customer Hardship ProgramThisprogram provides customers with six to twelve months of special terms in order to bring andkeep the account currentIf you are interested in obtaining information on whether you qualifyfor this program, please call our Payment Solutions team at ###-###-####.Also, customers who are experiencing financial difficulties are urged to contact a non-proffiConsumer Credit Counseling Service (CCCS), organization for assistanceTheir programs canprovide options such as reducing the interest rate and the minimum payment requirement, andcould include all of your creditorsComenity Bank supports and participates in the programsprovided by CCCS agenciesShould you wish to obtain information regarding their programsand for a member agency located near you, please contact the National Foundation for CreditCounseling at #########We hope you find this information to be helpfulShould you have any further questions, pleasecontact me directly at ###-###-####, ext *** TDD/TTY ###-###-####)I will be happyto assist you.Sincerely,Amanda R** *** *** ***
Dear *** ***We have received the complaint regarding the above-referenced accountComenity Capital Bank issues Lending Club Patient Solutions credit accounts, and we are here to help with your 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 reviewing the complaint, the Bank understands that you financed orthodontia treatments on your account; however, you state that you cancelled your treatments and were issued a credit of $2,100.00, which left a remaining balance of $owingYou further state that you received a statement showing a minimum payment of $due, which is more than the balance you state you owedFurthermore, you contacted our Customer Care team and were advised that the minimum payment was updated and that your minimum payment was zeroHowever, you continued to receive statements showing a past due balance owing and it has affected your credit bureau historyYou are requesting that your account and credit bureau history be updatedWe apologize for any frustration or inconvenience this situation may have caused you.Our records indicate that on March 23, 2016, a purchase of $2,posted to your account and was placed on a 24-month waived interest equal payment plan, set to expire on March 25, Purchases on this plan will not be assessed interest if the purchase is paid completely, before the end date of the promotional periodAt the end of the promotional period, any balance remaining on the plan is added to the regular revolving balanceThe customer is required to make equal monthly payments during the promotional periodFor example, if the customer’s purchase is $1,and the plan lasts for months, the customer is required to make an equal payment of $each monthPlease be advised that the information regarding your promotional plans appeared on your monthly billing statements, under the heading, “details of your plans”.Bank records further show that a credit of $2,posted to your account on August 3, 2016, which left a remaining balance of $Please be advised as a result of payment not being received, or being received late, for the months of April 2016, May 2016, June 2016, July 2016, and August 2016, late fees and finance charges were assessed to your account.Please be advised the minimum payment on your account is based on your purchase of $2,As a result of your purchase being placed on the 24-month waived interest equal payment plan, your minimum payment is broken up into equal payments for the monthsAlthough a credit was applied to your account, the minimum payment would not changeAdditionally, please understand that any past due amount will be included in the minimum payment dueYour account billed on June 23, 2016, with a balance of $2,and a minimum payment of $due by July 19, No payment was received; therefore, when the account billed on July 24, 2016, it indicated a past due amount of $with a total minimum payment of $due by August 19, We received a payment of $on August 2, 2016, which still left a past due balanceA credit of $2,was applied to your account on August 3, 2016, leaving a remaining balance of $on your accountSince the minimum due, and the past due balance equaled your balance, the August 24, 2016, statement indicated a balance of $with a payment of $due by September 19, 2016.Although Comenity Capital Bank did not find any errors with the account, we issued a credit of $for the late fee that was assessed to your account on September 19, However, we are unwilling to remove any additional fees or update your credit bureau history, as they are valid.Your payment of $was received on September 20, 2016, and your balance is zero.We hope the information provided is helpfulShould you have any additional questions or concerns regarding this letter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***
I am rejecting this response because:
AGAIN, You Comenity HAVE a letter in your possession from *** *** directly stating that NOTHING was returned by you Comenity between June 1st and June 31st YOU Comenity claim that a payment was returned on June 15th I am 100% positive if you look at that date on my bank statement and any days before or after, you won't see a returned payment I am also 100% positive the letter from *** *** states this fact. I have waisted numerous days, phone calls, fax charges and time You Comenity asked for a letterhead from the bank after saying my full statement was not sufficient and YOU RECEIVED THAT LETTER.I will find our how I take this one step further because Come not is in the wrong with whatever mistake you made on my account that WAS in good standing and AGAIN that was paid days before the due date and above the minimum like I had always done in the past
Regards,
*** ***
My argument is that the West Elm representative we dealt with on the day of purchase did not explain the finance deal that Comenity Bank are now statingWhen we bought the furniture we were told something different and that we would NOT be charged any interest on our purchase OR that we had a deadline with which we needed pay by or receive the full amount of interest- THIS WAS NOT EXPLAINED TO ME. The West Elm representative presented this differently to me as I have stated aboveMy point is that what we were told on the day by the West Elm representative is not what is being stated by Comenity BankNot only that, I had never received any written verification of our finance deal via email, mail OR on my WE account (nor was it attached on the previous Revdex.com message from Comenity Bank like they said it was.) Had I had known this was the case, I would have paid the full amount off as and when needed!
Regards,
Tina Rix
To reject the complaint
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the account referencedaboveComenity Bank issues your KingSize credit card account, and we are here to assist you with allaccount-related questions or concernsI appreciate the opportunity to respond to
your concerns.We understand from your complaint that you are stating you mailed your payment in a tlmely manner, andyou feel your $late fee should be removedYou also state you had issues reaching our CustomerCare team.Please be assured that Comenity Bank processes conforming payments the same day they are received.A conforming payment is one that includes a single check and a remittance stub in a remittanceenvelopeNon-conforming payments are opened, dated, and processed within five days of receipt.We apologize if you felt that you did not receive the best customer service when you contacted ourCustomer Care departmentIt is never the Bank's intention to treat our customers in a less-than satisfactorymannerCornenity Bank is committed to providing the best customer service and isdisappointed when a customer feels that this standard was not met.As of the date of this letter, we have removed the $late fee.We sincerely apologize for the frustration and inconvenience this matter may have caused youShouldyou have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext.*** (TDD/TTY ###-###-####), I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Dear *** ** ***
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Old Pueblo Traders credit cardWe are here to answer your questions and assist with your concerns. We previously received and responded to your
correspondence submitted to the Bank regarding this same matterPlease find enclosed a copy of our response sent to you on February 17, 2017. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Jenny W***
Per the letter, American Laser Skincare is responsible for refunds, but I did not pay American Laser SkincareMy payments were made to Comenity so they must be the entity to return payment to meIn addition, ALS is no longer available to contact for refunds as their offices are now closedComenity sent my money to ALS despite services being incomplete which they should not have remitted payment for unrendered treatmentsUpon issuing my refund, Comenity may thereafter request their funds back from ALS.
Regards,
*** ***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Ann Taylor Mastercard credit cardWe are here to answer your questions and assist with your concerns You state your bill is due on the 28th of each month, and you made a payment of $1,on February 1, 2017, to avoid being lateYou further state you were charged a late fee of $and a finance charge of $When you spoke with a representative of the Bank, you were told in order to avoid the late fee and finance charge, you should have made your payment on February 2, You are requesting a credit of the $late fee and $finance chargeWe sincerely apologize for any frustration or inconvenience this matter may have caused you We have reviewed your account and we are happy to share our findings. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee and a finance charge may be assessed to the account, as explained in the Credit Card AgreementPlease also be advised, customers do not have the ability to pay ahead on an account. In the interest of customer service, we issued credits totaling $to remove the previously assessed late fee and finance chargeThese credits posted to your account on March 17, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,
Comenity Capital Bank has received your correspondence regarding the above-referencedaccountComenity Capital Bank issues the DentalFirst Financing credit accountWe are here toanswer your questions and assist with your concerns.You state in your correspondence that you had dental work done with
Aspen Dental and financedthe charges on the credit accountYou were not happy with the dentures, and wanted to takeadvantage of the money back guaranteeYou further state you are receiving calls from the Bankregarding your billYou are requesting to have the balance adjusted to zero, and thedelinquencies removed from your credit file.Please be advised that Comenity Capital Bank and Aspen Dental are separate entitiesThe Bankis responsible for addressing questions related to the DentalFirst Financing credit account, whileAspen Dental is responsible for addressing concerns regarding treatments, charges, and refunds.We have reviewed the above-noted credit account, and we are pleased to share our findings.We reached out to Aspen Dental regarding your concern, and a credit of $3,was issuedon February 13, 2017, for the full cost of the denturesThe remaining balance, from the originaltransaction of $6,105.60, is for other services that were completed for youPlease be advisedthat you are responsible for the remaining balanceIf would like to further dispute these charges,we encourage you to contact Aspen Dental directly.As of today’s date, the balance on your account is $1,with a minimum payment of $426.00due on March 20, The account is two billing cycle past dueShould an account exceed sixconsecutive billing cycles past due, it will be written off and reported to the credit bureaus as anunpaid debt.Additionally, when an account is delinquent, we will make proactive attempts to contact thecustomer, communicate the situation and work out payment arrangements to minimize anynegative credit reportingMany times a payment is overlooked, and reminder calls or paymentdiscussions are helpful to bring the account back to a current statusComenity Capital Bank is required by law to report factual data to the credit bureaus with regardto account activityAt this time, Comenity Capital Bank finds the account and payment history tobe valid.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Compliance Dept
I did not receive the cash off price at the pump during the first days as promised on the credit agreement I signed with this bank, I was told that someone, on the bank's side, did not program my card to receive rebates Comenity has refused to address this after I made phone calls to their bank and then requested that they contact me my mail or email as I did not trust them to make phone calls, I have also contacted the ohio attorner general for advertisement and hope that you have a very good lawyer as I am taking Comenity to court and this may come to a newspaper near you
Regards,*** ***
Dear *** ***:Thank you for your recent complaint regarding the account noted aboveComenity Bank issuesPeebles credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention and
Iappreciate the opportunity to assist you.I understand you have received several calls per day regarding payment due on the account,although you state you did not receive billing statementsYour Peebles account was chargedfor magazine subscriptions that had been automatically renewedBy the time you were madeaware of this matter; your credit card account balance totaled $You indicate that youspoke with the magazine company, who cancelled your subscriptions, and promised to askPeebles to issue a full refundLastly, you state that the promise has not been fulfilled, whichhas resulted in additional interest and late fees being assessed to your Peebles credit cardaccountYou are requesting to have all fees credited back to you, as you did not authorize therenewal of the magazine subscriptions.Please accept our apology for any frustration that you may have experienced regarding thismatter.Bank records indicate that billing statements for the magazine charges were issued to youraddress, as shown in this correspondence, beginning on March 8, We have no record ofthe statements being returned as undeliverable.Please understand, when the Bank's records show an account as delinquent, the Bank willmake attempts to contact you regarding the status of the accountMany times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatusDue to potential negative ramifications for our customers if an account remainsdelinquent, Comenity Bank may call you until our attempt to communicate is successful.In the interest of the customer, Comenity Bank reached out to Synapse, the magazine vendor,via ernait, and was advised that two return credits have been applied to your account on May19, 2015, totaling $12.76, as well as additional credits totaling $on July 10, Pleasebe assured, remaining credits totaling $have been issued by the Bank to reduce thebalance to zero.Also, the Bank has notified the credit-reporting agencies to remove the derogatory paymentinformation that was reported regarding the Peebles account in May and June Pleaseallow days for this information to be updated in their records.Please be assured, per your request, the above mentioned account was closed on June 24,2015.I hope you find this information to be helpfulShould you have additional questions or concerns,please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M*** *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me. I'd like to personally thank *** *** for her time and effort in resolving the situation.I sent payment for the entire balance earlier today,
Regards,
*** ***
Dear Bobbie JB*** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Carson’s credit cardWe are here to answer your questions and assist with your concerns. We previously received and responded to your
*
correspondence regarding this same matter. Please find enclosed a copy of our response dated October 25, 2017. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely,Alyson F