Dear *** *** We have received your complaint submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Buckle credit card accounts, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you with your concerns We are also in receipt of your prior correspondence submitted to the Kansas, Revdex.com , regarding this same matterPlease find enclosed a copy of our response sent to you on May 6, Additionally, we understand that you spoke with a representative to close the account and you were advised the account would not be closed unless the card was paid in full. You state that you should have every right to close the account. You state that you want to settle the account for half of the balance and have the late fees removed and the account closed Please be advised we reviewed the call pleaced on June 30, 2016, the representative confirmed that although the account could be closed that the balance would still be owed. We apologize for the miscommunication. Please be assured the account was closed on June 30, 2016, per your request We have previously removed late fee’s totaling $72.00, as such, we are unwilling to remove any more fees regarding this matter. The balance of $is valid, we are unable to settle for less than the balance in full. Although the account is closed, you will continue to receive e-statements until the balance is paid in full I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, KaiM***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Pottery Barn credit cardWe are here to answer your questions and assist with your concernsWe previously received and responded to your correspondence submitted to
Comenity Bank regarding this same matterPlease find enclosed copies of our responses sent to you on January 31, and February 6, Additionally, the Bank has found that a previous finance charge of $was credited to the account on January 24, 2017, and we respectfully decline your request to credit any additional finance charge at this timeAs of the date of this letter, the account balance is zeroI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820-
Dear *** ***: We received your complaint regarding the above-referenced credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer 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 your complaint, you state that you have been dealing with a dispute regarding a chargeback that was issued to your companyYou state that an order was placed online at your website and your company shipped the order to the address provided on that order; furthermore, you state that the order was signed forHowever, Comenity Bank issued a chargeback for the cost of the orderYou are requesting that the Bank reverse the chargeback because you feel it is the Banks’s responsibility to safeguard our customer’s information. To better assist you, we need additional information to locate the account(s) in questionPlease provide the following: ? Complete Comenity Bank Account Number ? Any Names of Accountholder ? Any Addresses ? Home Telephone Number This information can be mailed to the address listed above, or faxed to my attention at ***
***. I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext*** (*** ***
***)I would be happy to assist you. Sincerely, Jenny W*** Consumer Relations Specialist
Dear Mr***:We received your complaint, addressed to the Revdex.com, regarding the above-notedaccountComenity Capital Bank issues Virgin America Visa@ accounts and we respond to all account relatedquestionsYour complaint was forwarded to my attention, and I appreciate this
pportunity toassist you.Your inquiry states that you applied for a Virgin America Visa@ Signature account, and you wereunsatisfied that you did not receive the Signature accountFurthermore, you indicate that you would liketo be reconsidered for the Visa@ Signature card, and that if you do not get approved, you are asking foryour current account to be closed and you are asking for the annual fee to be creditedWe apologize forany inconvenience this situation may have caused you.Please note, Comenity Capital Bank's application processing has predefined qualifications whichdetermine whether a customer qualifies for the Visa@ or the Visa@ Signature card; as such this does notguarantee every applicant the Visa@ Signature card.At the time you applied, you did not qualify for a Visa@ Signature accountThis information is based onyour credit bureau reportPlease be assured that Comenity Capital Bank makes every effort to approveour potential customersAlthough you did not receive the Visa@ Signature card, we want to assure youthat you will have the opportunity to enjoy the benefits of being a Virgin America Visa@ cardholder.Some of the benefits you will continue to enjoy would include earning three points per dollar spent on allVirgin America purchases; earning one point per dollar on purchases everywhere Visa@ is accepted,$off a companion ticket each year, and one free checked bag for you and one guest.Additionally, you are requesting the annual fee to be refunded; in the interest of customer service, a creditin the amount of $has been issued to your account to offset the annual fee.Bank records show current usage of the credit cardIf you would like to close the account, please reachout to me at the number listed below.I hope you find this information helpfulShould you have any questions or concerns, please feel free tocontact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assistyou.Sincerely,*** ***Consumer Relations Specialist
I finally received your response in the mail along with the check cashed by ***. If you would have looked at the cashed check you would have realized that *** deposited the $into the wrong account which was listed on the cashed check, not my *** account. So had you cared at all to look into this matter or had you forwarded the check to me back in September when I first disputed this transaction this could have been resolved 1/months ago. Instead you told me it was not your problem and I needed to take it up with ***. So in closing, I did your job and am now working with *** to resolve this issue. Very Poor Customer Service!!! Regards,
*** ***
Dear Ms***We are in receipt of your complaint regarding the above-referenced accountComenity Bank issues dressbarn credit card accounts, and we respond to all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the
opportunity to respond to your concerns.In your complaint you state that you settled your dressbarn credit card account in April 2014; however Comenity Bank continues to report late payments, which has affected your credit rating.In addition, you state you contacted Comenity Bank via phone to discuss/resolve this matter; however, you never received a call backYou are requesting Comenity Bank update your credit bureau to reflect the account as settled in April 2014, with no late payments after that date.Please note, we have completed a thorough investigation into your dressbarn credit card account, and would like to share our findings.We apologize if you did not receive a call back regarding your concernsWe were unable to locate any previous communication regarding this matter and trust that we can resolve your concerns at this time.Bank records indicate the account was written off due to non-payment on March 17, 2014, with an unpaid balance of $The account was settled, and updated as “closed settlement” on may 27, 2014.We apologize for any frustration or inconvenience this matter may have caused youWe have reviewed the reporting of the account and find that all national credit-reporting agencies are reporting the account as “Account paid in full for less than full balance”This information is accurate, therefore, it will not be changed or deletedPlease be advised that we don’t show any delinquencies being reported after the write off date.I hope you find this information to be helpfulShould you have additional questions or concerns about the account, please contact our Recovery department at ###-###-#### (TDD/TTY ###-###-####)They would be happy to assist you. Sincerely, Geanine M***
We received your complaint, submitted to the Revdex.com, regarding the above-notedaccountComenity Bank issues VICTORIA'S SECRET credit card accounts, and we arehere to answer your questionsThe complaint was forwarded to my attention and I appreciatethe opportunity to address your
concerns.We understand your concerns expressed in the complaint, regarding returned payments,returned payment fees, and your customer service experienceAlso, you have requested thatthe Bank remove the returned payment fees and close your VICTORIA'S SECRET account.Please be assured I have reviewed Bank records and I am happy to share those findings.Bank records indicate that you accessed Account Center on February 17, 2016, and added yourbank informationPlease understand that our associates do not have access to thisinformation.Monthly payments were scheduled on Account Center as follows:February 20, 2016March 14, 2016April 9, 6May 18,2016All payments noted above were returned to us because of an invalid bank account number.Comenity Bank sent you letters on March 18, April 14, and May 22, to the address listed above.The letters explained that the payment(s) were returned and added back to the accountbalance, along with a returned payment feeWe have no record of these letters being returnedby the post office as undeliverable mailEnclosed are copies crf the letters for your records.Additionally, outgoing calls were not made to you because we have record that you madepromises to pay through the Banks IVR system.Please be assured it is never our intention to cause a customer a hardship, and I reviewed thecall you made to the Bank on June 1, Although the associate declined the request toremove the returned payment fees, as they are valid, we did not find that the associate wasunhelpful as described in the complaint, and we apologize that you felt this wayWe strive toprovide world-class service and we are disappointed when our customers feel they receivedless than satisfactory service.Although no Bank errors were found, in the interest of customer service, we have updated youraccount and removed the returned payment fees totaling $Additionally, we waived thepast due payment information and suppressed the interest for one billing periodIf you aremaking the payment on Account Center, we strongly encourage you to log in and "edit" yourbank account informationPlease note when making a payment online, we accept a USchecking account that must have the 9-digit ABA Routing Number and complete CheckingAccount Number (not the check number)Also, we do not accept major credit cards or debitcards as form of payment on Account CenterIf you find that you need assistance in locatingthis information, please do not hesitate to call me directly or you may call our Customer Careteam and they would be happy to assist youThey can be reached at the number on the backof your credit card.In addition to crediting the fees, as a courtesy, we also removed the late payment informationfrom your account for April and May These changes will be made with the creditbureaus and may take days for their records to update.As requested, the account has been closedPlease note that you will no longer have utility touse the account for purchases.You are a valued customer and we apologize for any confusion or frustration this matter mayhave caused youIf you have any further questions or concerns, please contact me at1.800.675.5685, ext*** (TDD/TTY 1.800.695.1788)I will be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention, and
I appreciate the opportunity to assist youWe understand from your complaint that you made a cash payment for $at the shops of *** Store #***, and this payment has not posted to your accountYou also indicated that you have a copy of the receipt; however, did not include this with your complaintAfter reviewing your account information at the Bank, we did not see that a payment for $60.00 has posted to your accountYou spoke to the Bank, and a telephone dispute was initiated on your behalfOn November 4, 2015, you were sent a letter asking that you provide the Bank with a copy of the payment receipt so that we could credit your accountEnclosed is a copy of the letterPlease be assured that we are happy to credit your payment to the account; however, we need the payment receipt copyYou may send this to my attention at the address listed above, or you can fax to my attention at ###-###-####Once received, I am happy to credit your Victoria’s Secret/PINK account for the $In addition, to avoid the account from being assessed bank fees or negatively reporting to the credit bureaus , we have removed the current minimum payment due for November 17, 2015, and suppressed the finance charges for one billing periodThe next minimum payment due will be December 17, 2015, and the finance charges will also resume, should the balance not be paid in fullWe sincerely apologize for any frustration or inconvenience you have experienced, and we hope this information is helpfulIf you have further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Shawnda Y*** *** *** ***
Thank you for contacting Comenity Bank regarding the above-referenced accountAs the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questionsYour complaint, submitted to the Revdex.com, was forwarded to my attention for review, and I
appreciate the opportunity to assist you.We understand from your complaint that you paid the account in full, in the amount of $89.60, on June 10, You state that you have been fraudulently charged for late fees and finance charges on paid in full merchandiseAdditionally, you state that you did not sign with any Bank credit card but you had an Angel card, and you would like their telephone number and for the account to reflect paid in full.Please accept our apology for any frustration or inconvenience you have experiencedBank records indicate that you signed up for the Victoria’s Secret/PINK account on July 19, 2013, which is a credit card program issued by Comenity BankPlease note that Comenity Bank and Victoria’s Secret are separate entitiesComenity Bank handles matters related to the credit card account, while Victoria’s Secret handles matters related to purchases, catalogue orders, return merchandise and shipping and handling.When you purchase an item and use the Victoria’s Secret/PINK credit card account as form of payment, Comenity Bank then sends you a billing statement to reflect the charge, balance, and a payment due/dateIf payment is not made, made after the payment due date, or made for less than the requested minimum payment due listed on the billing statement, the account is assessed a late fee and finance charge, per the Bank’s Credit Card Agreement (CCA).After reviewing your account, we found that your payment of $was received on June 10, 2015, which was after the payment due date of June 1, As a result, the account was assessed a late fee and finance chargeDue to the fees remaining unpaid, your account continued to accrue additional bank fees and reported past due for four billing periods.In the interest of customer service on November 30, 2015, the Bank issued credits to your account totaling $159.79, which resulted in a zero balancePlease be assured that you do not owe anything further on your account and the balance is paid in full.You are a valued customer and we hope this information is helpfulIf you any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding the Value City Furniture account noted above. Comenity Bank previously issued Value City Furniture credit card accounts, and we respond to all account-related questions. Your correspondence
was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand your concerns regarding the late fees that were previously assessed to your Value City Furniture account. You state you have been making payments before 11:p.mon your scheduled due date; however, you have been charged late fees. Additionally, you state you have made several requests to receive information regarding your payment history. We apologize for any inconvenience this matter may have caused you. Please be advised that as of November 12, 2015, the payment due date cut off was changed to 11:p.mEastern Time (ET)Prior to that date, all payments must have been received by 6:p.mET to be credited to your account the same day. Your scheduled due date for payment is the 2nd of every monthOur records indicate that your account was credited for four late fees that were previously assessed to your account. A credit of $on December 2, 2014, a credit of $on April 1, 2015, a $credit on October 20, 2015, and a credit of $on December 2, 2015. Also, finance charges were credited to your account in the amount of $on October 14, 2015. Please be aware that there have been no Bank errors, and the credits were made in the interest of customer service. The Bank is unwilling to issue any additional credit to your accountBank records further indicate that on December 3, 2015, we sent copies of your billing statements for you to view for accuracyPlease view the attached table which provides a full accounting of your account from March to present. As of today, the balance is $and a payment of $is due by January 2, We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely, Ashley H***
Dear Sirs:In regard to your recent correspondence I wish to be on record as stating I have never received a creditcard from CatherinesI have never received a bill until the bill I just received with a payment due date01/17/2017, I have paid the bill in full 1/2/2017.It was my assumption the credit card request was not valid and the purchases were paid.Your horrible telephone practices caused me grief.Please cancel the credit card I have never received *** immediately. *** ***
Dear *** ***:We have received your complaint addressed to the Revdex.com, regarding theabove-referenced accountComenity Bank issues The RoomPlace@ credit card accounts, andwe respond to all account-related inquiriesYour complaint was forwarded to my attention forreview, and I
appreciate this opportunity to assist you.We understand from your complaint that you faxed aver your husband's military orders, so theServicemembers Civil Relief Act (SCRA) benefit could be applied to you and your husband'saccounts.Please be assured that we have reviewed your claim, and I would like to share my findings.This benefit is only able to be applied to an account which lists the active duty servicememberas a primary or joint cardholderAs the above-referenced account does not meet thisqualification, we are unable to honor your request.We hope you find this information to be helpfulIf you have any further questions regarding thisletter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)Iwill behappy to assist you.Sincerely,James J*** *** ***
Dear *** ***Comenity Bank has received your additional correspondence regarding the above-referencedaccountComenity Bank issues the Avenue credit cardWe are here to answer your questionsand assist with your concerns.As indicated in the previous response dated January 16, 2017, the Avenue account was sold onOctober 24, 2016, with a balance of $The last payment of $was received onSeptember 23, A letter was sent to you on October 25, 2016, advising of the saleWehave confirmed your store payments were received and forwarded to the agencyFor anyadditional information about this account, please contact *** at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions orconcerns, please do not hesitate to contact me directly at ###-###-####.Sincerely,Shelley A***
We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountAs the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist youwith account-related questionsYour complaint was forwarded to my attention, and I appreciate
theopportunity to respond to your concerns.We understand the concerns noted in your correspondence, regarding the 30-day late payment delinquencyreporting on your credit file, and we sincerely apologize for any inconvenience this matter may have causedyou.Please be assured that we have reviewed the account, and we are happy to explain our findings below.Bank records indicate that on January 2, 2014, a statement was issued indicating a balance of $15.28, witha minimum payment of $15.28, due by January 28, 2014.As no payment was received by the January due date; a late fee and finance charge were assessed,pursuant to the terms and conditions of the Credit Card Agreement (CCA).Bank records further indicate that on February 2, 2014, a statement was issued indicating a balance of$47.47, with a minimum payment of $20.28, due by February 28, Again, no payment was receivedand a late fee and finance charge were assessed.For your review, we have enclosed copies of the monthly billing statements, which show the account activitythat comprised the account balance and delinquencies, which were reported to the credit bureaus.Although there are no Bank errors, in the interest of customer service, notification has been sent to thenational credit-reporting agencies with instructions to remove the reported delinquency for March 2014,with regard to your VICTORIA’S SECRET accountPlease allow the credit-reporting agencies days toupdate their records.We hope you find this information to be helpfulShould you have any questions or concerns, please contactme at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you
Dear Ms***We received your additional complaint, regarding the above-referenced accountComenity Bank issues Chadwicks credit card accounts, and we are here to answer all of your account-related questionsYour complaint was forwarded to my attention for review, and I appreciate this opportunity to assist youWe understand your concerns in regard to the credit of $that has not been applied to your accountPlease be advised credits may take one to two billing cycles to appear on the accountAs of the date of this letter, your account balance is zeroThe adjustment was processed on December 28, 2016; and posted to your account on January 3, I hope the information I provided is helpfulShould you have any further questions or concerns about the account, please contact me at ###-###-####I would be happy to assist youSincerely, Kristina W***
I attached documents showing *** * *** Jr is the account holder and I’m a authorized on the accountI understand the process of a disputePer the state law you must provide account information showing authorization was made for your bank to obtain a credit reportNo one agreedOnce again please provide information
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.We understand that you were out of the country and state that you had no access to US mail.In order to resolve this matter, the Bank issued credits totaling $to your accountAs previously communicated the Bank offers multiple payment options to customers, and we encourage you to utilize those options that are available to you.Per the Credit Card Agreement, if payment is not received, made after the due date, or received for less than the required minimum due, the account may be charged a late fee.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y***
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to
my attention, and I appreciate the opportunity to assist you. We understand from your complaint that the above-noted account was opened in your name by a member of your household. You state that the account balance is incorrect, because there are a few returns that have not posted to the account; however, you will continue to pay for the merchandise that was not returned. Furthermore, you state that you are unable to make a payment for the amount of money that you were told to send by Bank representatives, due to your limited income; however, the Bank continues to charge you $each month You are requesting an itemized list to be mailed to you regarding the transactions applied to your account. We understand your concerns, and we sincerely apologize for any frustration or inconvenience. After a thorough investigation, our records indicate that the account was opened in your name and social security number on January 22, 2015. Please understand that the HSN credit card account is a regular revolving account with an annual percentage rate (APR) of 26.99% and a repayment percentage of 5%, which means that if there is a balance, a minimum payment is required each billing period. There is no grace period. The due date on your account is the 28th day of each month, and if the minimum payment amount is not received by that date, a late fee will be assessed to the account, pursuant to the Credit Card Agreement (CCA). For your review, we have enclosed copies of the monthly billing statements, which show the account activity that comprised the account balance, and a copy of the CCA. Should you need additional information regarding the transactions and/or returned merchandise, please contact HSN directly at ###-###-####. Comenity Capital Bank vigorously pursues any individual who is suspected of perpetration of a fraud. This may include contact with various local, state, and federal law enforcement agencies. For your convenience, we have enclosed a copy of an Identity Theft Victim’s Complaint and Affidavit from the Federal Trade Commission. If you would like to make a claim of fraud, please complete the affidavit in blue or black ink and return it to our Account Protection team at the following address. Comenity Capital Bank Account Protection Team PO Box Columbus, OH 43218-2686 A fraud investigation will begin once the affidavit is returned and processed. If we do not receive the completed document, we will assume that you do not wish to pursue this fraud claim and that you are accepting full responsibility for the account, the transactions, and the terms and conditions outlined in the CCA. Please be advised, once a fraud investigation has been opened, a letter will be sent to the address listed at the top of this letter with the case number. Investigations may take 60-days to be completed, at which time written notification will be sent. Lastly, if you are experiencing financial difficulties, we encourage you to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditors. Comenity Capital Bank supports and participates in the programs provided by CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-#### Although there were no Bank errors, in the interest of customer service, we have issued a $credit to the account on July 24, 2015, for the previously assessed late fee. We hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Lauren S*** *** *** ***
Dear *** *** We have received your complaint submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Buckle credit card accounts, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you with your concerns We are also in receipt of your prior correspondence submitted to the Kansas, Revdex.com , regarding this same matterPlease find enclosed a copy of our response sent to you on May 6, Additionally, we understand that you spoke with a representative to close the account and you were advised the account would not be closed unless the card was paid in full. You state that you should have every right to close the account. You state that you want to settle the account for half of the balance and have the late fees removed and the account closed Please be advised we reviewed the call pleaced on June 30, 2016, the representative confirmed that although the account could be closed that the balance would still be owed. We apologize for the miscommunication. Please be assured the account was closed on June 30, 2016, per your request We have previously removed late fee’s totaling $72.00, as such, we are unwilling to remove any more fees regarding this matter. The balance of $is valid, we are unable to settle for less than the balance in full. Although the account is closed, you will continue to receive e-statements until the balance is paid in full I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, KaiM***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Pottery Barn credit cardWe are here to answer your questions and assist with your concernsWe previously received and responded to your correspondence submitted to
Comenity Bank regarding this same matterPlease find enclosed copies of our responses sent to you on January 31, and February 6, Additionally, the Bank has found that a previous finance charge of $was credited to the account on January 24, 2017, and we respectfully decline your request to credit any additional finance charge at this timeAs of the date of this letter, the account balance is zeroI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820-
Dear *** ***: We received your complaint regarding the above-referenced credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer 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 your complaint, you state that you have been dealing with a dispute regarding a chargeback that was issued to your companyYou state that an order was placed online at your website and your company shipped the order to the address provided on that order; furthermore, you state that the order was signed forHowever, Comenity Bank issued a chargeback for the cost of the orderYou are requesting that the Bank reverse the chargeback because you feel it is the Banks’s responsibility to safeguard our customer’s information. To better assist you, we need additional information to locate the account(s) in questionPlease provide the following: ? Complete Comenity Bank Account Number ? Any Names of Accountholder ? Any Addresses ? Home Telephone Number This information can be mailed to the address listed above, or faxed to my attention at ***
***. I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext*** (*** ***
***)I would be happy to assist you. Sincerely, Jenny W*** Consumer Relations Specialist
Please take action on this bill I could not make a payment because it was canceled
Dear Mr***:We received your complaint, addressed to the Revdex.com, regarding the above-notedaccountComenity Capital Bank issues Virgin America Visa@ accounts and we respond to all account relatedquestionsYour complaint was forwarded to my attention, and I appreciate this
pportunity toassist you.Your inquiry states that you applied for a Virgin America Visa@ Signature account, and you wereunsatisfied that you did not receive the Signature accountFurthermore, you indicate that you would liketo be reconsidered for the Visa@ Signature card, and that if you do not get approved, you are asking foryour current account to be closed and you are asking for the annual fee to be creditedWe apologize forany inconvenience this situation may have caused you.Please note, Comenity Capital Bank's application processing has predefined qualifications whichdetermine whether a customer qualifies for the Visa@ or the Visa@ Signature card; as such this does notguarantee every applicant the Visa@ Signature card.At the time you applied, you did not qualify for a Visa@ Signature accountThis information is based onyour credit bureau reportPlease be assured that Comenity Capital Bank makes every effort to approveour potential customersAlthough you did not receive the Visa@ Signature card, we want to assure youthat you will have the opportunity to enjoy the benefits of being a Virgin America Visa@ cardholder.Some of the benefits you will continue to enjoy would include earning three points per dollar spent on allVirgin America purchases; earning one point per dollar on purchases everywhere Visa@ is accepted,$off a companion ticket each year, and one free checked bag for you and one guest.Additionally, you are requesting the annual fee to be refunded; in the interest of customer service, a creditin the amount of $has been issued to your account to offset the annual fee.Bank records show current usage of the credit cardIf you would like to close the account, please reachout to me at the number listed below.I hope you find this information helpfulShould you have any questions or concerns, please feel free tocontact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assistyou.Sincerely,*** ***Consumer Relations Specialist
I finally received your response in the mail along with the check cashed by ***. If you would have looked at the cashed check you would have realized that *** deposited the $into the wrong account which was listed on the cashed check, not my *** account. So had you cared at all to look into this matter or had you forwarded the check to me back in September when I first disputed this transaction this could have been resolved 1/months ago. Instead you told me it was not your problem and I needed to take it up with ***. So in closing, I did your job and am now working with *** to resolve this issue. Very Poor Customer Service!!! Regards,
*** ***
Dear Ms***We are in receipt of your complaint regarding the above-referenced accountComenity Bank issues dressbarn credit card accounts, and we respond to all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the
opportunity to respond to your concerns.In your complaint you state that you settled your dressbarn credit card account in April 2014; however Comenity Bank continues to report late payments, which has affected your credit rating.In addition, you state you contacted Comenity Bank via phone to discuss/resolve this matter; however, you never received a call backYou are requesting Comenity Bank update your credit bureau to reflect the account as settled in April 2014, with no late payments after that date.Please note, we have completed a thorough investigation into your dressbarn credit card account, and would like to share our findings.We apologize if you did not receive a call back regarding your concernsWe were unable to locate any previous communication regarding this matter and trust that we can resolve your concerns at this time.Bank records indicate the account was written off due to non-payment on March 17, 2014, with an unpaid balance of $The account was settled, and updated as “closed settlement” on may 27, 2014.We apologize for any frustration or inconvenience this matter may have caused youWe have reviewed the reporting of the account and find that all national credit-reporting agencies are reporting the account as “Account paid in full for less than full balance”This information is accurate, therefore, it will not be changed or deletedPlease be advised that we don’t show any delinquencies being reported after the write off date.I hope you find this information to be helpfulShould you have additional questions or concerns about the account, please contact our Recovery department at ###-###-#### (TDD/TTY ###-###-####)They would be happy to assist you. Sincerely, Geanine M***
We received your complaint, submitted to the Revdex.com, regarding the above-notedaccountComenity Bank issues VICTORIA'S SECRET credit card accounts, and we arehere to answer your questionsThe complaint was forwarded to my attention and I appreciatethe opportunity to address your
concerns.We understand your concerns expressed in the complaint, regarding returned payments,returned payment fees, and your customer service experienceAlso, you have requested thatthe Bank remove the returned payment fees and close your VICTORIA'S SECRET account.Please be assured I have reviewed Bank records and I am happy to share those findings.Bank records indicate that you accessed Account Center on February 17, 2016, and added yourbank informationPlease understand that our associates do not have access to thisinformation.Monthly payments were scheduled on Account Center as follows:February 20, 2016March 14, 2016April 9, 6May 18,2016All payments noted above were returned to us because of an invalid bank account number.Comenity Bank sent you letters on March 18, April 14, and May 22, to the address listed above.The letters explained that the payment(s) were returned and added back to the accountbalance, along with a returned payment feeWe have no record of these letters being returnedby the post office as undeliverable mailEnclosed are copies crf the letters for your records.Additionally, outgoing calls were not made to you because we have record that you madepromises to pay through the Banks IVR system.Please be assured it is never our intention to cause a customer a hardship, and I reviewed thecall you made to the Bank on June 1, Although the associate declined the request toremove the returned payment fees, as they are valid, we did not find that the associate wasunhelpful as described in the complaint, and we apologize that you felt this wayWe strive toprovide world-class service and we are disappointed when our customers feel they receivedless than satisfactory service.Although no Bank errors were found, in the interest of customer service, we have updated youraccount and removed the returned payment fees totaling $Additionally, we waived thepast due payment information and suppressed the interest for one billing periodIf you aremaking the payment on Account Center, we strongly encourage you to log in and "edit" yourbank account informationPlease note when making a payment online, we accept a USchecking account that must have the 9-digit ABA Routing Number and complete CheckingAccount Number (not the check number)Also, we do not accept major credit cards or debitcards as form of payment on Account CenterIf you find that you need assistance in locatingthis information, please do not hesitate to call me directly or you may call our Customer Careteam and they would be happy to assist youThey can be reached at the number on the backof your credit card.In addition to crediting the fees, as a courtesy, we also removed the late payment informationfrom your account for April and May These changes will be made with the creditbureaus and may take days for their records to update.As requested, the account has been closedPlease note that you will no longer have utility touse the account for purchases.You are a valued customer and we apologize for any confusion or frustration this matter mayhave caused youIf you have any further questions or concerns, please contact me at1.800.675.5685, ext*** (TDD/TTY 1.800.695.1788)I will be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention, and
I appreciate the opportunity to assist youWe understand from your complaint that you made a cash payment for $at the shops of *** Store #***, and this payment has not posted to your accountYou also indicated that you have a copy of the receipt; however, did not include this with your complaintAfter reviewing your account information at the Bank, we did not see that a payment for $60.00 has posted to your accountYou spoke to the Bank, and a telephone dispute was initiated on your behalfOn November 4, 2015, you were sent a letter asking that you provide the Bank with a copy of the payment receipt so that we could credit your accountEnclosed is a copy of the letterPlease be assured that we are happy to credit your payment to the account; however, we need the payment receipt copyYou may send this to my attention at the address listed above, or you can fax to my attention at ###-###-####Once received, I am happy to credit your Victoria’s Secret/PINK account for the $In addition, to avoid the account from being assessed bank fees or negatively reporting to the credit bureaus , we have removed the current minimum payment due for November 17, 2015, and suppressed the finance charges for one billing periodThe next minimum payment due will be December 17, 2015, and the finance charges will also resume, should the balance not be paid in fullWe sincerely apologize for any frustration or inconvenience you have experienced, and we hope this information is helpfulIf you have further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Shawnda Y*** *** *** ***
Thank you for contacting Comenity Bank regarding the above-referenced accountAs the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questionsYour complaint, submitted to the Revdex.com, was forwarded to my attention for review, and I
appreciate the opportunity to assist you.We understand from your complaint that you paid the account in full, in the amount of $89.60, on June 10, You state that you have been fraudulently charged for late fees and finance charges on paid in full merchandiseAdditionally, you state that you did not sign with any Bank credit card but you had an Angel card, and you would like their telephone number and for the account to reflect paid in full.Please accept our apology for any frustration or inconvenience you have experiencedBank records indicate that you signed up for the Victoria’s Secret/PINK account on July 19, 2013, which is a credit card program issued by Comenity BankPlease note that Comenity Bank and Victoria’s Secret are separate entitiesComenity Bank handles matters related to the credit card account, while Victoria’s Secret handles matters related to purchases, catalogue orders, return merchandise and shipping and handling.When you purchase an item and use the Victoria’s Secret/PINK credit card account as form of payment, Comenity Bank then sends you a billing statement to reflect the charge, balance, and a payment due/dateIf payment is not made, made after the payment due date, or made for less than the requested minimum payment due listed on the billing statement, the account is assessed a late fee and finance charge, per the Bank’s Credit Card Agreement (CCA).After reviewing your account, we found that your payment of $was received on June 10, 2015, which was after the payment due date of June 1, As a result, the account was assessed a late fee and finance chargeDue to the fees remaining unpaid, your account continued to accrue additional bank fees and reported past due for four billing periods.In the interest of customer service on November 30, 2015, the Bank issued credits to your account totaling $159.79, which resulted in a zero balancePlease be assured that you do not owe anything further on your account and the balance is paid in full.You are a valued customer and we hope this information is helpfulIf you any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding the Value City Furniture account noted above. Comenity Bank previously issued Value City Furniture credit card accounts, and we respond to all account-related questions. Your correspondence
was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand your concerns regarding the late fees that were previously assessed to your Value City Furniture account. You state you have been making payments before 11:p.mon your scheduled due date; however, you have been charged late fees. Additionally, you state you have made several requests to receive information regarding your payment history. We apologize for any inconvenience this matter may have caused you. Please be advised that as of November 12, 2015, the payment due date cut off was changed to 11:p.mEastern Time (ET)Prior to that date, all payments must have been received by 6:p.mET to be credited to your account the same day. Your scheduled due date for payment is the 2nd of every monthOur records indicate that your account was credited for four late fees that were previously assessed to your account. A credit of $on December 2, 2014, a credit of $on April 1, 2015, a $credit on October 20, 2015, and a credit of $on December 2, 2015. Also, finance charges were credited to your account in the amount of $on October 14, 2015. Please be aware that there have been no Bank errors, and the credits were made in the interest of customer service. The Bank is unwilling to issue any additional credit to your accountBank records further indicate that on December 3, 2015, we sent copies of your billing statements for you to view for accuracyPlease view the attached table which provides a full accounting of your account from March to present. As of today, the balance is $and a payment of $is due by January 2, We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely, Ashley H***
Dear Sirs:In regard to your recent correspondence I wish to be on record as stating I have never received a creditcard from CatherinesI have never received a bill until the bill I just received with a payment due date01/17/2017, I have paid the bill in full 1/2/2017.It was my assumption the credit card request was not valid and the purchases were paid.Your horrible telephone practices caused me grief.Please cancel the credit card I have never received *** immediately. *** ***
Dear *** ***:We have received your complaint addressed to the Revdex.com, regarding theabove-referenced accountComenity Bank issues The RoomPlace@ credit card accounts, andwe respond to all account-related inquiriesYour complaint was forwarded to my attention forreview, and I
appreciate this opportunity to assist you.We understand from your complaint that you faxed aver your husband's military orders, so theServicemembers Civil Relief Act (SCRA) benefit could be applied to you and your husband'saccounts.Please be assured that we have reviewed your claim, and I would like to share my findings.This benefit is only able to be applied to an account which lists the active duty servicememberas a primary or joint cardholderAs the above-referenced account does not meet thisqualification, we are unable to honor your request.We hope you find this information to be helpfulIf you have any further questions regarding thisletter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)Iwill behappy to assist you.Sincerely,James J*** *** ***
Dear *** ***Comenity Bank has received your additional correspondence regarding the above-referencedaccountComenity Bank issues the Avenue credit cardWe are here to answer your questionsand assist with your concerns.As indicated in the previous response dated January 16, 2017, the Avenue account was sold onOctober 24, 2016, with a balance of $The last payment of $was received onSeptember 23, A letter was sent to you on October 25, 2016, advising of the saleWehave confirmed your store payments were received and forwarded to the agencyFor anyadditional information about this account, please contact *** at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions orconcerns, please do not hesitate to contact me directly at ###-###-####.Sincerely,Shelley A***
We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountAs the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist youwith account-related questionsYour complaint was forwarded to my attention, and I appreciate
theopportunity to respond to your concerns.We understand the concerns noted in your correspondence, regarding the 30-day late payment delinquencyreporting on your credit file, and we sincerely apologize for any inconvenience this matter may have causedyou.Please be assured that we have reviewed the account, and we are happy to explain our findings below.Bank records indicate that on January 2, 2014, a statement was issued indicating a balance of $15.28, witha minimum payment of $15.28, due by January 28, 2014.As no payment was received by the January due date; a late fee and finance charge were assessed,pursuant to the terms and conditions of the Credit Card Agreement (CCA).Bank records further indicate that on February 2, 2014, a statement was issued indicating a balance of$47.47, with a minimum payment of $20.28, due by February 28, Again, no payment was receivedand a late fee and finance charge were assessed.For your review, we have enclosed copies of the monthly billing statements, which show the account activitythat comprised the account balance and delinquencies, which were reported to the credit bureaus.Although there are no Bank errors, in the interest of customer service, notification has been sent to thenational credit-reporting agencies with instructions to remove the reported delinquency for March 2014,with regard to your VICTORIA’S SECRET accountPlease allow the credit-reporting agencies days toupdate their records.We hope you find this information to be helpfulShould you have any questions or concerns, please contactme at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you
Dear Ms***We received your additional complaint, regarding the above-referenced accountComenity Bank issues Chadwicks credit card accounts, and we are here to answer all of your account-related questionsYour complaint was forwarded to my attention for review, and I appreciate this opportunity to assist youWe understand your concerns in regard to the credit of $that has not been applied to your accountPlease be advised credits may take one to two billing cycles to appear on the accountAs of the date of this letter, your account balance is zeroThe adjustment was processed on December 28, 2016; and posted to your account on January 3, I hope the information I provided is helpfulShould you have any further questions or concerns about the account, please contact me at ###-###-####I would be happy to assist youSincerely, Kristina W***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***
I attached documents showing *** * *** Jr is the account holder and I’m a authorized on the accountI understand the process of a disputePer the state law you must provide account information showing authorization was made for your bank to obtain a credit reportNo one agreedOnce again please provide information
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.We understand that you were out of the country and state that you had no access to US mail.In order to resolve this matter, the Bank issued credits totaling $to your accountAs previously communicated the Bank offers multiple payment options to customers, and we encourage you to utilize those options that are available to you.Per the Credit Card Agreement, if payment is not received, made after the due date, or received for less than the required minimum due, the account may be charged a late fee.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y***
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to
my attention, and I appreciate the opportunity to assist you. We understand from your complaint that the above-noted account was opened in your name by a member of your household. You state that the account balance is incorrect, because there are a few returns that have not posted to the account; however, you will continue to pay for the merchandise that was not returned. Furthermore, you state that you are unable to make a payment for the amount of money that you were told to send by Bank representatives, due to your limited income; however, the Bank continues to charge you $each month You are requesting an itemized list to be mailed to you regarding the transactions applied to your account. We understand your concerns, and we sincerely apologize for any frustration or inconvenience. After a thorough investigation, our records indicate that the account was opened in your name and social security number on January 22, 2015. Please understand that the HSN credit card account is a regular revolving account with an annual percentage rate (APR) of 26.99% and a repayment percentage of 5%, which means that if there is a balance, a minimum payment is required each billing period. There is no grace period. The due date on your account is the 28th day of each month, and if the minimum payment amount is not received by that date, a late fee will be assessed to the account, pursuant to the Credit Card Agreement (CCA). For your review, we have enclosed copies of the monthly billing statements, which show the account activity that comprised the account balance, and a copy of the CCA. Should you need additional information regarding the transactions and/or returned merchandise, please contact HSN directly at ###-###-####. Comenity Capital Bank vigorously pursues any individual who is suspected of perpetration of a fraud. This may include contact with various local, state, and federal law enforcement agencies. For your convenience, we have enclosed a copy of an Identity Theft Victim’s Complaint and Affidavit from the Federal Trade Commission. If you would like to make a claim of fraud, please complete the affidavit in blue or black ink and return it to our Account Protection team at the following address. Comenity Capital Bank Account Protection Team PO Box Columbus, OH 43218-2686 A fraud investigation will begin once the affidavit is returned and processed. If we do not receive the completed document, we will assume that you do not wish to pursue this fraud claim and that you are accepting full responsibility for the account, the transactions, and the terms and conditions outlined in the CCA. Please be advised, once a fraud investigation has been opened, a letter will be sent to the address listed at the top of this letter with the case number. Investigations may take 60-days to be completed, at which time written notification will be sent. Lastly, if you are experiencing financial difficulties, we encourage you to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditors. Comenity Capital Bank supports and participates in the programs provided by CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-#### Although there were no Bank errors, in the interest of customer service, we have issued a $credit to the account on July 24, 2015, for the previously assessed late fee. We hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Lauren S*** *** *** ***