Dear *** ***: Comenity Bank has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the Victoria’s Secret Angel, NY&C Rewards, Ashley Stewart and Torrid credit cards. We are here to answer your questions and assist with
your concerns We understand from your complaint that on October 12, 2016, you spoke with a representative to enroll in a program that would allow you to make smaller payments over a year to get the accounts back on trackYou provided your banking information and you were read a verbal agreement, entailing the future payment arrangementsYou contacted the Bank on November 4, 2016, to confirm the payment datesOn February 23, 2017, you spoke with a representative to cancel the auto-payments, as they were causing your account to be overdrawnYou were informed that two accounts wrote off and that you were no longer enrolled in the program from your October 12, 2016, phone callYou advised you were not aware that you were unenrolled from the program, as you had not received any letters, but nothing could be doneYou felt the representative did not seem to want to help you; however, they did remove the scheduled payments as you requestedYou request a payment arrangement of $a month and for late fees to be removedI am happy to share my findings We have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe 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 Bank records indicate that you contacted the Bank on October 12, 2016, to advise of your financial hardshipYou were advised of the 12-Month Customer Hardship Program, which provides customers special terms in order to bring and keep the accounts currentOn October 13, 2016, letters were issued advising that the Bank was unable to complete your request to be enrolled into the Hardship Program, as additional information was neededThe letter instructed you to contact the Bank to complete this process On November 4, 2016, you spoke with a representative who advised that the accounts were inadvertently not added to the program, and advised she would complete the pre-enrollment processTowards the end of this phone call, the representative was not able to hear youShe stated if she did not hear from you, the accounts would not be set up correctly, you would have to go through this process again, and she could not pre-enroll the accountsThe call was disconnected On November 8,2016, letters were issued advising that the Bank was unable to complete your request to be enrolled into the Hardship program as additional information was neededThe letter instructed you to contact the Bank to complete this process The payments remained scheduled to be withdrawn from your bank account as the accounts were delinquent Please be advised, if an account exceeds six consecutive billing cycles past due, the account will be written off, and reported to the national credit-reporting agencies as an unpaid debtBelow is the current status of your accounts: The NY&C Rewards account was written off on February 5, 2017, with an unpaid balance of $ The Ashley Stewart account was written off on February 20, 2017, with an unpaid balance of $ The Victoria’s Secret Angel account is five billing cycles past due with an outstanding balance of $1,315.67, and a minimum payment of $due by March 17, The Torrid account is four billing cycles past due with an outstanding balance of $467.03, and a minimum payment of $due by March 18, The Bank finds no error and no adjustment will be made to the accountsTo set up suitable payment arrangements please contact our Recovery department at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM***
Dear Ms***We received your complaint, addressed to the
Revdex.com, regarding the account referenced above. Comenity Bank issues west elm credit card
accounts, and we respond to account-related questions. Your complaint was forwarded to my attention,
and I appreciate
the opportunity to respond to your concerns.We understand your concerns regarding the
return that was processed on May 11, 2015, and you indicated that you were not
given the proper credit for your return. You are asking for your balance to be adjusted to zero, and your account
closed. I apologize for any
inconvenience this matter may have caused you.Our records indicate that a purchase for
$was applied to your account on April 15, 2015. A credit for $was applied to your
account on April 16, 2015. A statement
was issued on April 23, 2015, with a balance of $and a minimum payment
of $due by May 19, 2015.On May 11, 2015, a credit for $was
issued for the returned merchandise, leaving a remaining balance of $for
the shipping and handling along with the tax. Please be advised that shipping and handling is non-refundable.As no further payments were made to your
account, late fees and finance charges were applied to your account in
accordance to the Credit Card Agreement. In the interest of customer service, we have removed the previously
assessed finance charges and late fees in the amount of $167.59. Your current account balance is $22.21. This balance is valid through November 23,
2015, at which time the account will bill. If the balance of $is not paid in full; applicable fees will be
assessed to the account.Additionally, in the interest of customer
service, notification has been sent to the national credit-reporting agencies
with instructions to delete the negative payment information that was reported
from July through October 2015, regarding the west elm account. Please allow the credit-reporting agencies
days to update their records.Please be assured that the account has been
closed, per your requestWe hope this information is helpful. Should you have any other questions or
concerns regarding this account, please feel free to contact me at ###-###-####,
ext*** TDD/TTY ###-###-####). I
will be happy to assist you.Sincerely, Ashley H***
*** *** ***
Dear *** ***
Thank you for contacting the Revdex.com regarding a Victoria’s Secret Angel credit card account. As the bank that issues Victoria’s Secret Angel accounts, we are here to assist in answering any credit-related questions. Your
inquiry was forwarded to my attention, and I appreciate this opportunity to assist you
We understand from the Revdex.com complaint above that you may be a victim of identity theft and someone is using your information to apply for the Victoria’s Secret Angel card. In addition, you are requesting that this matter is resolved
We apologize for the inconvenience this may have caused you and understand how frustrating identity theft can be.
Based on the limited information you provided, Comenity Bank is unable to verify the account in question; therefore, we are unable to complete an investigation
We suggest a couple options to assist you in getting this matter resolved. If you believe a Victoria’s Secret Angel account has been fraudulently opened in your name, please contact our Account Protection (Fraud) department at *** *** and file a fraud claim. Additionally, we suggest contacting the national credit-reporting agencies to verify the information on your credit file You may also place a fraud alert on your credit report You may reach them with the contact information listed below
We hope you find this information helpful. Should you have any other questions or concerns regarding this letter, please feel free to reach me directly at ###-###-####, ext*** (TDD/TTY ###-###-####); and I will be happy to assist you further
Sincerely,
*** *** Consumer Relations Specialist
Dear *** ***We received a complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questionsThe complaint, addressed to the Revdex.com, wasforwarded to my
attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint sent to the Consumer Financial Protection Bureau on May 4, 2015, regarding thesame issueWe have enclosed a copy of our previous response for your recordsPlease beadvised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext***(TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Dear *** *** Thank you for contacting Comenity Bank regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint submitted to the Revdex.com was forwarded to
my attention, and I appreciate the opportunity to assist you. We understand from your complaint that you are receiving multiple calls from Comenity Bank and you would like the calls to stop. Please be assured that we have updated our records to include a “Do Not Attempt to Collect” status; however, you remain responsible for the balance on the accountAdditionally, please keep in mind that the Bank may contact you by mail or service of court filing, which would comply with state and federal law. As of today’s date, the Victoria’s Secret/PINK account has a balance of $1,068.40, and the account is four billing periods past dueIf the account exceeds six billing periods past due, the balance would be charged off and report to the credit bureaus as suchWe encourage you to contact our Payment Solutions team, toll free, at ###-###-#### (TDD/TTY ###-###-####) to discuss payment options that may be available to you. I hope this information is helpfulIf you have further questions or concerns, please contact the Payment Solutions team at the number providedThey will be happy to assist you. Sincerely, Shawnda Y*** *** *** ***
Dear Ms***We received your complaint, addressed to theRevdex.com, regarding the account referenced above. Comenity Bank issues Pottery Barn credit cardaccounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,and I
appreciate the opportunity to respond to your concerns.We understand your concerns regarding thebilling statements that you did not receive, the late fees that were assessedto your account, and the late payment information that was reported to thecredit-reporting agencies, and we apologize for any inconvenience this mattermay have caused you. After careful review, we have determined thatyou enrolled in paperless statements on November 8, 2014, when you registeredyour account in our online Account Center. Your monthly statements were being sent to the email address youprovided at registration, *** We have no record of your statement ready email notifications beingreturned as undeliverable. On April 22,2015, your account was updated to receive your billing statements viamail. Our records indicate that your Maystatement was mailed to the address that is listed on the account in Meridian,Idaho. We have enclosed copies of yourbilling statements for your records.On April 23, 2015, credits of $and$were applied to your account for the late fees that were previously assessedto your account. You now have a creditbalance in the amount of $57.83. Arefund check will be sent via the US Postal Service, and you should receive itwithin to days. Additionally, we have sent notification tothe national credit-reporting agencies to remove the negative paymentinformation reported regarding the Pottery Barn credit card account. Please allow the credit-reporting agencies 45days to update their records.We hope this information is helpful. Should you have any other questions orconcerns regarding this account, please feel free to contact me at###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, *** ***Consumer Relations Specialist
Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Toyota Rewards credit cardWe are here to answer your questions and assist with your concerns. We understand from your complaint
that you have been making payments on the Toyota Rewards credit card account, and fees have been added making it difficult to pay off the balanceWe also understand that you are requesting all fees be removed from the account. We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you. After a thorough investigation, our records indicate that an authorization to release account-related details has not been provided by the accountholder, *** ** ***As such, we are unable to respond to you regarding your concernsPlease be assured that we will respond to *** ** *** directly, via a separate mailing. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Kristina W***
Dear *** ***We received a complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questionsThe complaint, addressed to the Revdex.com, wasforwarded
to my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint on April 7, 2015, regarding the same issueWe have enclosed a copy of our previousresponse for your recordsPlease be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,
*** ***Consumer Relations SpecialistDear *** ***Thank you for contacting Comenity Capital BankAs the bank that issues your American Laser Skincarecredit card, we're here to help with your questions.You recently disputed a transaction on your American Laser Skincare accountBecause your disputeletter arrived more than days afler the first billing statement on which the disputed charge appeased,the amount subject to dispute is limited to your balance at the time we received your dispute letterSinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge($) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entitiesThe bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance chargesThese credits appeared on your billing statement as a"provisional credit" and a 'finance charge credit." You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenienceIf you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####)Any ofour team members will be happy to help you.Sincerely,Customer Care teamSEND BANKRUPTCY NOTICESIRELATED CORRESPONDENCE TOPO Box 183043, Columbus, OH 43218-3043The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, coIor, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection ActThe Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, Walnut Street, Box #I 1, Kansas City, Missouri 64106.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection ActThe State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts08.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories on each individual upon requestTheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital statusThe Washington State Human Rights Commission administers compliance with thislaw
I did not receive the services I purchased and I did not receive any type of refund. In the beginning of the dispute I was given a credit which was reflected on my credit card statement and it was stated on the statement itself that I could transfer the amount to my checking account but when I called to transfer the amount I was told I couldn't actually transfer the amount by the comenity representative. That didn't make any sense to me, you can see that in one of the attachments. The following month I got a letter saying I was only getting the credit and the balance on my credit card statement changed again. This credit card company is getting out of honoring consumer protection by refunding customers for service packages through American Laser center that were not received. In the response sent today 08/12/it stated that you have days to say you are unhappy with a product. How can a consumer purchase services and at the same time predict the servicing company is going to close their doors months later. In today's response comenity is stating you can't get back for services you already paid for ? How is this possible when you are prepaying for services expecting the company to exisit ? It is insane to punish a consumer for paying off their credit card bill in months versus taking a full year when it is a year service plan anyways. What if they had closed in a year I still would of been out that one year of services ? The policy doesn't make any sense at all and comenity is just giving me the run around. The more responses I get like this the further I am going to take this. I know comenity represents other companies like *** *** and just because it is Comenity you couldn't even pay me to open an *** *** card. I always ask who the financing company is now because of this experience. Please see the attached documents for supporting evidence. The media needs to get more involved to make others aware of how unfair this is and how comenity doesn't protect it's clients. I so wish I had used my *** *** card because that is a company you can trust and they will make sure you are protected and get the services you paid for.
Regards,
*** ***
I have attached an exerpt from comenity bank sent to me in a letter: Payment Confirmation
Here's the status of your payment requests
Print
This payment has been scheduled
Herberger's -..***
Comenity bill dispute
Delivery:
Standard
Confirmation #:
***
Amount:
$
Transaction ID:
***
Fees:
No Fee
Pay On:
06/02/
Pay From:
Checking - ***
Memo:
From *** *** to pay Herberger
Total Number of Payments:
Total Payment Amount:
$
Comenity Bank has received your correspondence that you sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues the PINK credit card accounts. We are here to answer your questions and assist with your concerns We understand your concerns
as explained in your correspondence. You stated that you made a purchase of $27.95, then paid $on May 3, 2016, to pay the account in full. However, you have received calls from the Bank, advising the account was $past due. You stated you were charged for an identity protector that you never signed up for. You contacted the company, and they credited your account for the charges. You are requesting to have the remaining charges removed, and the account closed. Our records indicate that the account was opened on September 3, 2013; 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. In addition, your account was enrolled in Identity Protector (IDP365), which is an optional service provided to our customers by our partners, CPP North American. Typically, this service is offered when the customer calls to activate the card, and it includes a thirty-day trial period at an introductory rate of $0.99. If the service is not cancelled within the thirty-day trial period, the monthly charge of $is automatically billed to the customer’s account On May 26, 2016, a purchase in the amount of $29.43, was applied to your account; on June 7, 2016, a payment in the amount of $was received, resulting in an outstanding balance The account billed on June 11, 2016, with a balance of $31.99, and a minimum payment of $27.00, due by July 7, 2016. As no payment was received, the account was assessed late fees and finance charges, in accordance with the CCA, and the account became two billing cycles past due The IDPservice was cancelled on August 26, 2016, and the account was issued two credits of $14.99. A $payment was received on August 30, 2016; however, there was still a remaining balance from the previous unpaid fees. As a result of non-payment, the account was assessed additional late fees and finance charges In the interest of customer service, the Bank has issued credits totaling $to remove the previously assessed late fees and finance charges, which will result in a zero balance on your account. Please be assured, we removed the negative payment information regarding the account, which will update with the credit-reporting agencies within days. Additionally, the account was closed on December 5, 2016, per your request. Although you have closed the account, we hope that you will continue to shop with Victoria’s Secret. I hope you have found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit card accounts, and we respond to all account-related questions or concernsYour complaint was forwarded to
my attention, and I appreciate the opportunity to assist you. We understand from your complaint that you enrolled in the Bank Hardship Program and were advised on multiple occasions by Bank representatives that your credit limit would be auto reinstated to $once you completed the Hardship Program, or paid off the account balanceAs you made payment and requested to be removed from the Hardship Program, the credit limit was not reinstatedYou feel you have been lied to and you want the credit limit reinstated without review of a credit report. Please be assured that we reviewed our records, and we extend our sincere apology for the way in which your account was handled. Bank records indicate that as a result of delinquent payments for July, August, September, and October 2013, the credit limit on the account was lowered to zero and the charging privileges were suspendedTypically, in order to have the credit limit increased, a customer would have to continue making timely payments, and one of two things will occur; the system will increase the credit limit or the customer can call and requests a credit limit increaseWe have no record that either of these scenarios occurred. The account fell past due again for five billing periods; May, June, July, August, September, and October You brought the account current for November 2014, and the account became past due again for the December and January billing periods. On January 28, 2015, you agreed to enroll in the Bank’s Hardship ProgramThe Hardship Program reduces the Annual Percentage Rate (APR) to 10%, suspends future late fees for the duration of the program, reduces the monthly payment to 2% of the current balance with a minimum of $Additionally, after three consecutive on-time payments are made, or equivalent lump sum payment is received, we will remove unpaid late fees, and bring the account currentHowever, the program does not grant an auto reinstatement of the credit limit. On May 1, 2015, you requested the account be removed from the Hardship Program, and we received a payment of $This payment went towards paying off your account balance. As of the date of this letter, the account has a remaining balance of $9.92, which is for finance charges assessed for the April and May billing periodsAlso, seven days after the payment was received, the credit limit was increased to $However, we realize that you were advised that the credit limit would increase to $350.00. Please know that we are proud of the excellent customer service that we give to our customers, and we appreciate hearing from them if they experience any difficultiesWe feel our associates are knowledgeable, friendly, and eager to assist our customersThe situation you described is not a typical example of the services provided by our associates and again, we sincerely apologize for any distress or frustration you were causedThe telephone calls have been reviewed, and we were disappointed to find that you were provided with inaccurate information and we lacked the excellent service that you deservedPlease be assured that our management team is aware of the calls and this situationThey have followed up with our associates to ensure this matter does not happen again. Additionally, please be assured that we have reinstated the account credit limit to $350.00. You are a valued customer and we hope this information is helpfulShould you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
Hello,I received a letter from the company which I had a complaint against and was informed that I would not receive any more phone calls from said company as of 2-5-I have received phone calls dailyI understandthat they are trying to reach someone for a debt but the nonstop callsafter they have been advised that the party is not available is irritatingto say the leastIf I choose not to answer the phone they choose not toleave a message, rather just continuously callI will attach a copy of the letter showing that no phone calls from Comenity bank should be received at my phone number ending in*** ** I will also try to attach pictures of my caller ID to show the continued phone callsIf the company calls from the same number on different days it simply updates to the last incoming/most recent call, however the calls are continuous and on a daily basis.Thank you*** ***
February 5, *** ** ***
*** *** ***
*** ***
*** ** *** *** *** *** *** *** *** *** ** ***
***
*** *** *** ** *** Dear *** ***: We have received the complaint that you sent to the Revdex.com regarding the above-noted account. Comenity Bank issues *** *** credit card accounts, and we are here to help answer your account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you with your concerns You state you received a voicemail from an account manager threatening that you may need an attorney and to contact the Bank regarding the above-referenced account. You further state that you spoke with a representative of the Bank and told the representative that you were unaware that your past due credit card was being considered a bad debt, and you never received a notice in the mail regarding the account being closed. Additionally, you state that you have reached out to the Bank bi-monthly as you have been struggling financially, and you state that after setting up payment arrangements, you felt as if you were being rushed off the phone. You are frustrated as you are not able to access your account on-line. You are requesting copies of final bills, and another copy of the letter which was sent to you. You are disputing the fact that the account has been charged off as you have never received formal notification from the Bank, and you would like to regain access to your account on-line, so that you can confirm that payments you have scheduled are truly set up We have reviewed your account and we are happy to share our findings. Please find a summary of your *** *** account below. I have enclosed copies of your billing statements which show the account activity that comprised the account balance and delinquencies which are reporting to the credit bureaus Your *** *** account was opened on May 23, 2007. On November 6, 2015, the account was permanently closed and written off, due to non-receipt of payment, and reported to the national credit-reporting agencies as an unpaid debt with a balance of $ Once an account is written off, statements are no longer issued, and customers are unable to access accounts online. On November 26, 2015, an email was sent to you by the Bank explaining that your account had written-off, and requested that you contact the Bank’s Recovery team at ###-###-#### to set up payment arrangements. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityAt this time, Comenity Bank finds no errors in its reporting of your *** *** credit card account to the credit bureaus The Bank has reviewed the concerns in your complaint, as well as the applicable phone conversations. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met We hope you find this information helpful. Should you have any further questions regarding the account, please contact our Recovery Team at ###-###-####. They will be happy to assist you Sincerely, LauraR*** Laura R*** Consumer Relations Specialist CC: Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Carson’s credit cardWe are here to answer your questions and assist with yourconcerns.We understand from your correspondence, addressed to the Revdex.com, that you
noticedcharges for the Account Assure Program applied to your statementsThese charges have been assessedto your account since May You state that you did not authorize enrollment in the program, and arerequesting that these charges are credited back to your credit card account.I attempted to reach out to you via the telephone number ending in *** to discuss this matterMy attemptwas unsuccessful.Account Assure is a debt cancellation program provided by a third party vendorOur records indicate youenrolled in the program via the Bank’s online Account Center on May 2, An Account Assure welcomeletter package was mailed to you on May 3, 2016.After a thorough review of the account, our records indicate credits of $25.54, for the last Account Assurefee, and $0.02, for the related finance charge, were issued to your account on April 4, 2017.Please be assured that additional credits totaling $227.13, for the remaining Account Assure fees, and$4.78, for the related finance charges, were issued to your account on April 6, These credits willappear on your next billing statement, which closes on April 17, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
Thank you so much for your helpI did not think anything would come of my complaint, but you really helped meI am so gratefulThe total of my purchase was $I paid $for shipping & handling but they returned the $late fee to me I'm O.Kwith thatThanks again for your concern & helpI'll be always eternally grateful.Sincerely, *** ***
I still never received my card but at this point I definitely do not want itI will not affiliate myself with this bank or any of the stores they are associated withI did not know I could not make my payment after a certain time of day, since I didn't have a statement to go by, as to why I was not aware I had a late fee in the first placeThis has been the worst experience with a so called bank that I have ever hadI do not think that I should have to pay any fees associated with this accountIt isn't the amount of the fee that I am concerned about, it is the pointI have had nothing but trouble with this bank since the opening of my account and feel like I was tricked into paying the late fee that I paid since, again, I DID NOT KNOW I HAD A BALANCEThis is just ridiculous
*** ***
Dear *** ***: Comenity Bank has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the Victoria’s Secret Angel, NY&C Rewards, Ashley Stewart and Torrid credit cards. We are here to answer your questions and assist with
your concerns We understand from your complaint that on October 12, 2016, you spoke with a representative to enroll in a program that would allow you to make smaller payments over a year to get the accounts back on trackYou provided your banking information and you were read a verbal agreement, entailing the future payment arrangementsYou contacted the Bank on November 4, 2016, to confirm the payment datesOn February 23, 2017, you spoke with a representative to cancel the auto-payments, as they were causing your account to be overdrawnYou were informed that two accounts wrote off and that you were no longer enrolled in the program from your October 12, 2016, phone callYou advised you were not aware that you were unenrolled from the program, as you had not received any letters, but nothing could be doneYou felt the representative did not seem to want to help you; however, they did remove the scheduled payments as you requestedYou request a payment arrangement of $a month and for late fees to be removedI am happy to share my findings We have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe 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 Bank records indicate that you contacted the Bank on October 12, 2016, to advise of your financial hardshipYou were advised of the 12-Month Customer Hardship Program, which provides customers special terms in order to bring and keep the accounts currentOn October 13, 2016, letters were issued advising that the Bank was unable to complete your request to be enrolled into the Hardship Program, as additional information was neededThe letter instructed you to contact the Bank to complete this process On November 4, 2016, you spoke with a representative who advised that the accounts were inadvertently not added to the program, and advised she would complete the pre-enrollment processTowards the end of this phone call, the representative was not able to hear youShe stated if she did not hear from you, the accounts would not be set up correctly, you would have to go through this process again, and she could not pre-enroll the accountsThe call was disconnected On November 8,2016, letters were issued advising that the Bank was unable to complete your request to be enrolled into the Hardship program as additional information was neededThe letter instructed you to contact the Bank to complete this process The payments remained scheduled to be withdrawn from your bank account as the accounts were delinquent Please be advised, if an account exceeds six consecutive billing cycles past due, the account will be written off, and reported to the national credit-reporting agencies as an unpaid debtBelow is the current status of your accounts: The NY&C Rewards account was written off on February 5, 2017, with an unpaid balance of $ The Ashley Stewart account was written off on February 20, 2017, with an unpaid balance of $ The Victoria’s Secret Angel account is five billing cycles past due with an outstanding balance of $1,315.67, and a minimum payment of $due by March 17, The Torrid account is four billing cycles past due with an outstanding balance of $467.03, and a minimum payment of $due by March 18, The Bank finds no error and no adjustment will be made to the accountsTo set up suitable payment arrangements please contact our Recovery department at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM***
Dear Ms***We received your complaint, addressed to the
Revdex.com, regarding the account referenced above. Comenity Bank issues west elm credit card
accounts, and we respond to account-related questions. Your complaint was forwarded to my attention,
and I appreciate
the opportunity to respond to your concerns.We understand your concerns regarding the
return that was processed on May 11, 2015, and you indicated that you were not
given the proper credit for your return. You are asking for your balance to be adjusted to zero, and your account
closed. I apologize for any
inconvenience this matter may have caused you.Our records indicate that a purchase for
$was applied to your account on April 15, 2015. A credit for $was applied to your
account on April 16, 2015. A statement
was issued on April 23, 2015, with a balance of $and a minimum payment
of $due by May 19, 2015.On May 11, 2015, a credit for $was
issued for the returned merchandise, leaving a remaining balance of $for
the shipping and handling along with the tax. Please be advised that shipping and handling is non-refundable.As no further payments were made to your
account, late fees and finance charges were applied to your account in
accordance to the Credit Card Agreement. In the interest of customer service, we have removed the previously
assessed finance charges and late fees in the amount of $167.59. Your current account balance is $22.21. This balance is valid through November 23,
2015, at which time the account will bill. If the balance of $is not paid in full; applicable fees will be
assessed to the account.Additionally, in the interest of customer
service, notification has been sent to the national credit-reporting agencies
with instructions to delete the negative payment information that was reported
from July through October 2015, regarding the west elm account. Please allow the credit-reporting agencies
days to update their records.Please be assured that the account has been
closed, per your requestWe hope this information is helpful. Should you have any other questions or
concerns regarding this account, please feel free to contact me at ###-###-####,
ext*** TDD/TTY ###-###-####). I
will be happy to assist you.Sincerely, Ashley H***
*** *** ***
I am rejecting this response because:
Regards, *** ***
Dear *** ***
Thank you for contacting the Revdex.com regarding a Victoria’s Secret Angel credit card account. As the bank that issues Victoria’s Secret Angel accounts, we are here to assist in answering any credit-related questions. Your
inquiry was forwarded to my attention, and I appreciate this opportunity to assist you
We understand from the Revdex.com complaint above that you may be a victim of identity theft and someone is using your information to apply for the Victoria’s Secret Angel card. In addition, you are requesting that this matter is resolved
We apologize for the inconvenience this may have caused you and understand how frustrating identity theft can be.
Based on the limited information you provided, Comenity Bank is unable to verify the account in question; therefore, we are unable to complete an investigation
We suggest a couple options to assist you in getting this matter resolved. If you believe a Victoria’s Secret Angel account has been fraudulently opened in your name, please contact our Account Protection (Fraud) department at *** *** and file a fraud claim. Additionally, we suggest contacting the national credit-reporting agencies to verify the information on your credit file You may also place a fraud alert on your credit report You may reach them with the contact information listed below
We hope you find this information helpful. Should you have any other questions or concerns regarding this letter, please feel free to reach me directly at ###-###-####, ext*** (TDD/TTY ###-###-####); and I will be happy to assist you further
Sincerely,
*** *** Consumer Relations Specialist
Dear *** ***We received a complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questionsThe complaint, addressed to the Revdex.com, wasforwarded to my
attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint sent to the Consumer Financial Protection Bureau on May 4, 2015, regarding thesame issueWe have enclosed a copy of our previous response for your recordsPlease beadvised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext***(TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Dear *** *** Thank you for contacting Comenity Bank regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint submitted to the Revdex.com was forwarded to
my attention, and I appreciate the opportunity to assist you. We understand from your complaint that you are receiving multiple calls from Comenity Bank and you would like the calls to stop. Please be assured that we have updated our records to include a “Do Not Attempt to Collect” status; however, you remain responsible for the balance on the accountAdditionally, please keep in mind that the Bank may contact you by mail or service of court filing, which would comply with state and federal law. As of today’s date, the Victoria’s Secret/PINK account has a balance of $1,068.40, and the account is four billing periods past dueIf the account exceeds six billing periods past due, the balance would be charged off and report to the credit bureaus as suchWe encourage you to contact our Payment Solutions team, toll free, at ###-###-#### (TDD/TTY ###-###-####) to discuss payment options that may be available to you. I hope this information is helpfulIf you have further questions or concerns, please contact the Payment Solutions team at the number providedThey will be happy to assist you. Sincerely, Shawnda Y*** *** *** ***
Dear Ms***We received your complaint, addressed to theRevdex.com, regarding the account referenced above. Comenity Bank issues Pottery Barn credit cardaccounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,and I
appreciate the opportunity to respond to your concerns.We understand your concerns regarding thebilling statements that you did not receive, the late fees that were assessedto your account, and the late payment information that was reported to thecredit-reporting agencies, and we apologize for any inconvenience this mattermay have caused you. After careful review, we have determined thatyou enrolled in paperless statements on November 8, 2014, when you registeredyour account in our online Account Center. Your monthly statements were being sent to the email address youprovided at registration, *** We have no record of your statement ready email notifications beingreturned as undeliverable. On April 22,2015, your account was updated to receive your billing statements viamail. Our records indicate that your Maystatement was mailed to the address that is listed on the account in Meridian,Idaho. We have enclosed copies of yourbilling statements for your records.On April 23, 2015, credits of $and$were applied to your account for the late fees that were previously assessedto your account. You now have a creditbalance in the amount of $57.83. Arefund check will be sent via the US Postal Service, and you should receive itwithin to days. Additionally, we have sent notification tothe national credit-reporting agencies to remove the negative paymentinformation reported regarding the Pottery Barn credit card account. Please allow the credit-reporting agencies 45days to update their records.We hope this information is helpful. Should you have any other questions orconcerns regarding this account, please feel free to contact me at###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, *** ***Consumer Relations Specialist
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards, *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards, *** ***
Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Toyota Rewards credit cardWe are here to answer your questions and assist with your concerns. We understand from your complaint
that you have been making payments on the Toyota Rewards credit card account, and fees have been added making it difficult to pay off the balanceWe also understand that you are requesting all fees be removed from the account. We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you. After a thorough investigation, our records indicate that an authorization to release account-related details has not been provided by the accountholder, *** ** ***As such, we are unable to respond to you regarding your concernsPlease be assured that we will respond to *** ** *** directly, via a separate mailing. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Kristina W***
Dear *** ***We received a complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questionsThe complaint, addressed to the Revdex.com, wasforwarded
to my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint on April 7, 2015, regarding the same issueWe have enclosed a copy of our previousresponse for your recordsPlease be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,
*** ***Consumer Relations SpecialistDear *** ***Thank you for contacting Comenity Capital BankAs the bank that issues your American Laser Skincarecredit card, we're here to help with your questions.You recently disputed a transaction on your American Laser Skincare accountBecause your disputeletter arrived more than days afler the first billing statement on which the disputed charge appeased,the amount subject to dispute is limited to your balance at the time we received your dispute letterSinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge($) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entitiesThe bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance chargesThese credits appeared on your billing statement as a"provisional credit" and a 'finance charge credit." You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenienceIf you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####)Any ofour team members will be happy to help you.Sincerely,Customer Care teamSEND BANKRUPTCY NOTICESIRELATED CORRESPONDENCE TOPO Box 183043, Columbus, OH 43218-3043The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, coIor, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection ActThe Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, Walnut Street, Box #I 1, Kansas City, Missouri 64106.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection ActThe State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts08.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories on each individual upon requestTheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital statusThe Washington State Human Rights Commission administers compliance with thislaw
I did not receive the services I purchased and I did not receive any type of refund. In the beginning of the dispute I was given a credit which was reflected on my credit card statement and it was stated on the statement itself that I could transfer the amount to my checking account but when I called to transfer the amount I was told I couldn't actually transfer the amount by the comenity representative. That didn't make any sense to me, you can see that in one of the attachments. The following month I got a letter saying I was only getting the credit and the balance on my credit card statement changed again. This credit card company is getting out of honoring consumer protection by refunding customers for service packages through American Laser center that were not received. In the response sent today 08/12/it stated that you have days to say you are unhappy with a product. How can a consumer purchase services and at the same time predict the servicing company is going to close their doors months later. In today's response comenity is stating you can't get back for services you already paid for ? How is this possible when you are prepaying for services expecting the company to exisit ? It is insane to punish a consumer for paying off their credit card bill in months versus taking a full year when it is a year service plan anyways. What if they had closed in a year I still would of been out that one year of services ? The policy doesn't make any sense at all and comenity is just giving me the run around. The more responses I get like this the further I am going to take this. I know comenity represents other companies like *** *** and just because it is Comenity you couldn't even pay me to open an *** *** card. I always ask who the financing company is now because of this experience. Please see the attached documents for supporting evidence. The media needs to get more involved to make others aware of how unfair this is and how comenity doesn't protect it's clients. I so wish I had used my *** *** card because that is a company you can trust and they will make sure you are protected and get the services you paid for.
Regards,
*** ***
I have attached an exerpt from comenity bank sent to me in a letter: Payment Confirmation
Here's the status of your payment requests
Print
This payment has been scheduled
Herberger's -..***
Comenity bill dispute
Delivery:
Standard
Confirmation #:
***
Amount:
$
Transaction ID:
***
Fees:
No Fee
Pay On:
06/02/
Pay From:
Checking - ***
Memo:
From *** *** to pay Herberger
Total Number of Payments:
Total Payment Amount:
$
Comenity Bank has received your correspondence that you sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues the PINK credit card accounts. We are here to answer your questions and assist with your concerns We understand your concerns
as explained in your correspondence. You stated that you made a purchase of $27.95, then paid $on May 3, 2016, to pay the account in full. However, you have received calls from the Bank, advising the account was $past due. You stated you were charged for an identity protector that you never signed up for. You contacted the company, and they credited your account for the charges. You are requesting to have the remaining charges removed, and the account closed. Our records indicate that the account was opened on September 3, 2013; 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. In addition, your account was enrolled in Identity Protector (IDP365), which is an optional service provided to our customers by our partners, CPP North American. Typically, this service is offered when the customer calls to activate the card, and it includes a thirty-day trial period at an introductory rate of $0.99. If the service is not cancelled within the thirty-day trial period, the monthly charge of $is automatically billed to the customer’s account On May 26, 2016, a purchase in the amount of $29.43, was applied to your account; on June 7, 2016, a payment in the amount of $was received, resulting in an outstanding balance The account billed on June 11, 2016, with a balance of $31.99, and a minimum payment of $27.00, due by July 7, 2016. As no payment was received, the account was assessed late fees and finance charges, in accordance with the CCA, and the account became two billing cycles past due The IDPservice was cancelled on August 26, 2016, and the account was issued two credits of $14.99. A $payment was received on August 30, 2016; however, there was still a remaining balance from the previous unpaid fees. As a result of non-payment, the account was assessed additional late fees and finance charges In the interest of customer service, the Bank has issued credits totaling $to remove the previously assessed late fees and finance charges, which will result in a zero balance on your account. Please be assured, we removed the negative payment information regarding the account, which will update with the credit-reporting agencies within days. Additionally, the account was closed on December 5, 2016, per your request. Although you have closed the account, we hope that you will continue to shop with Victoria’s Secret. I hope you have found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit card accounts, and we respond to all account-related questions or concernsYour complaint was forwarded to
my attention, and I appreciate the opportunity to assist you. We understand from your complaint that you enrolled in the Bank Hardship Program and were advised on multiple occasions by Bank representatives that your credit limit would be auto reinstated to $once you completed the Hardship Program, or paid off the account balanceAs you made payment and requested to be removed from the Hardship Program, the credit limit was not reinstatedYou feel you have been lied to and you want the credit limit reinstated without review of a credit report. Please be assured that we reviewed our records, and we extend our sincere apology for the way in which your account was handled. Bank records indicate that as a result of delinquent payments for July, August, September, and October 2013, the credit limit on the account was lowered to zero and the charging privileges were suspendedTypically, in order to have the credit limit increased, a customer would have to continue making timely payments, and one of two things will occur; the system will increase the credit limit or the customer can call and requests a credit limit increaseWe have no record that either of these scenarios occurred. The account fell past due again for five billing periods; May, June, July, August, September, and October You brought the account current for November 2014, and the account became past due again for the December and January billing periods. On January 28, 2015, you agreed to enroll in the Bank’s Hardship ProgramThe Hardship Program reduces the Annual Percentage Rate (APR) to 10%, suspends future late fees for the duration of the program, reduces the monthly payment to 2% of the current balance with a minimum of $Additionally, after three consecutive on-time payments are made, or equivalent lump sum payment is received, we will remove unpaid late fees, and bring the account currentHowever, the program does not grant an auto reinstatement of the credit limit. On May 1, 2015, you requested the account be removed from the Hardship Program, and we received a payment of $This payment went towards paying off your account balance. As of the date of this letter, the account has a remaining balance of $9.92, which is for finance charges assessed for the April and May billing periodsAlso, seven days after the payment was received, the credit limit was increased to $However, we realize that you were advised that the credit limit would increase to $350.00. Please know that we are proud of the excellent customer service that we give to our customers, and we appreciate hearing from them if they experience any difficultiesWe feel our associates are knowledgeable, friendly, and eager to assist our customersThe situation you described is not a typical example of the services provided by our associates and again, we sincerely apologize for any distress or frustration you were causedThe telephone calls have been reviewed, and we were disappointed to find that you were provided with inaccurate information and we lacked the excellent service that you deservedPlease be assured that our management team is aware of the calls and this situationThey have followed up with our associates to ensure this matter does not happen again. Additionally, please be assured that we have reinstated the account credit limit to $350.00. You are a valued customer and we hope this information is helpfulShould you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
Hello,I received a letter from the company which I had a complaint against and was informed that I would not receive any more phone calls from said company as of 2-5-I have received phone calls dailyI understandthat they are trying to reach someone for a debt but the nonstop callsafter they have been advised that the party is not available is irritatingto say the leastIf I choose not to answer the phone they choose not toleave a message, rather just continuously callI will attach a copy of the letter showing that no phone calls from Comenity bank should be received at my phone number ending in*** ** I will also try to attach pictures of my caller ID to show the continued phone callsIf the company calls from the same number on different days it simply updates to the last incoming/most recent call, however the calls are continuous and on a daily basis.Thank you*** ***
February 5, *** ** ***
*** *** ***
*** ***
*** ** *** *** *** *** *** *** *** *** ** ***
***
*** *** *** ** *** Dear *** ***: We have received the complaint that you sent to the Revdex.com regarding the above-noted account. Comenity Bank issues *** *** credit card accounts, and we are here to help answer your account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you with your concerns You state you received a voicemail from an account manager threatening that you may need an attorney and to contact the Bank regarding the above-referenced account. You further state that you spoke with a representative of the Bank and told the representative that you were unaware that your past due credit card was being considered a bad debt, and you never received a notice in the mail regarding the account being closed. Additionally, you state that you have reached out to the Bank bi-monthly as you have been struggling financially, and you state that after setting up payment arrangements, you felt as if you were being rushed off the phone. You are frustrated as you are not able to access your account on-line. You are requesting copies of final bills, and another copy of the letter which was sent to you. You are disputing the fact that the account has been charged off as you have never received formal notification from the Bank, and you would like to regain access to your account on-line, so that you can confirm that payments you have scheduled are truly set up We have reviewed your account and we are happy to share our findings. Please find a summary of your *** *** account below. I have enclosed copies of your billing statements which show the account activity that comprised the account balance and delinquencies which are reporting to the credit bureaus Your *** *** account was opened on May 23, 2007. On November 6, 2015, the account was permanently closed and written off, due to non-receipt of payment, and reported to the national credit-reporting agencies as an unpaid debt with a balance of $ Once an account is written off, statements are no longer issued, and customers are unable to access accounts online. On November 26, 2015, an email was sent to you by the Bank explaining that your account had written-off, and requested that you contact the Bank’s Recovery team at ###-###-#### to set up payment arrangements. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityAt this time, Comenity Bank finds no errors in its reporting of your *** *** credit card account to the credit bureaus The Bank has reviewed the concerns in your complaint, as well as the applicable phone conversations. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met We hope you find this information helpful. Should you have any further questions regarding the account, please contact our Recovery Team at ###-###-####. They will be happy to assist you Sincerely, LauraR*** Laura R*** Consumer Relations Specialist CC: Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Carson’s credit cardWe are here to answer your questions and assist with yourconcerns.We understand from your correspondence, addressed to the Revdex.com, that you
noticedcharges for the Account Assure Program applied to your statementsThese charges have been assessedto your account since May You state that you did not authorize enrollment in the program, and arerequesting that these charges are credited back to your credit card account.I attempted to reach out to you via the telephone number ending in *** to discuss this matterMy attemptwas unsuccessful.Account Assure is a debt cancellation program provided by a third party vendorOur records indicate youenrolled in the program via the Bank’s online Account Center on May 2, An Account Assure welcomeletter package was mailed to you on May 3, 2016.After a thorough review of the account, our records indicate credits of $25.54, for the last Account Assurefee, and $0.02, for the related finance charge, were issued to your account on April 4, 2017.Please be assured that additional credits totaling $227.13, for the remaining Account Assure fees, and$4.78, for the related finance charges, were issued to your account on April 6, These credits willappear on your next billing statement, which closes on April 17, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
Thank you so much for your helpI did not think anything would come of my complaint, but you really helped meI am so gratefulThe total of my purchase was $I paid $for shipping & handling but they returned the $late fee to me I'm O.Kwith thatThanks again for your concern & helpI'll be always eternally grateful.Sincerely, *** ***
I still never received my card but at this point I definitely do not want itI will not affiliate myself with this bank or any of the stores they are associated withI did not know I could not make my payment after a certain time of day, since I didn't have a statement to go by, as to why I was not aware I had a late fee in the first placeThis has been the worst experience with a so called bank that I have ever hadI do not think that I should have to pay any fees associated with this accountIt isn't the amount of the fee that I am concerned about, it is the pointI have had nothing but trouble with this bank since the opening of my account and feel like I was tricked into paying the late fee that I paid since, again, I DID NOT KNOW I HAD A BALANCEThis is just ridiculous
*** ***