Dear *** *** Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Catherines and Lane Bryant credit cardsWe are here to answer your questions and assist with your concerns. We received your complaint in regard
to the collection activity that has taken place on your above-referenced accountsWe understand that due to unforeseen circumstances you were unable to make the payment on your accountsYou state that when you spoke to a representative that you advised that the payment would be made prior to the new due date of January 11, When speaking to customer service you requested to have the late fee waived. You are requesting the Bank stop calling you, remove the late fees, and report your account in good standing to the credit-agencies. Per your request, a "cease and desist" status has been placed on your accountThis cease and desist request will stop all future collection calls, but it will also suspend authorizations for new purchases on all of your accounts since we will be unable to contact youYou will continue to receive certain legal communications as permitted by lawYour request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address: Comenity Bank P.OBox 182273 Columbus, OH 43218-2273 This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance. When an account is delinquent, we will make attempts to contact the customer regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successful. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card AgreementAs a one-time courtesy, the late fee in the amount of $has been removed from both of the above-referenced accounts. As of today’s date the accounts have been reported as current to the credit agencies. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me I will accept your offer because I know you will not be willing to waive the whole feePoor customer servicePlease let me know the balance that is due so that I can get this paid off
Regards, *** ***
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: I have already heard this and after the initial investigation was completed, I was told the charges were unfounded and I was assured that this would be removed off my card as well as all the late feesI called back several times and was told the same thingSo I do not trust or believe it should take days againNot to mention the nasty threat letters I have received from this company that the investigation was completed and it would not be reopened and payment is expected immediately
The charges are not mine, the initial investigation from this company backed that upWhy do an investigation on an investigation? It is ridiculousThese charges need to be removed as promised by this company
Regards,
*** ***
Dear Ms*** Thank you for contacting Comenity Bank, regarding the above-referenced account. As the bank that issues HOT TOPIC accounts, we respond to all account-related concerns. Your complaint was forwarded to my attention, and I appreciate this opportunity to
assist you We understand from your complaint that you are requesting all late fees and charges to be removed from your account due to you paying off your bill in April 2016. We also understand that when you made your payment in store, your account number was incorrectly put into the system, which caused the payment not to be credited to your account. In addition, you are requesting that any negative credit-reporting be removed. Furthermore, you state you no longer want a HOT TOPIC account and you request a store gift card as compensation for the time you spent to resolve this matter Our records indicate that the Bank attempted to resolve this matter on multiple occasions. In May a letter was sent to you explaining that additional information was needed to resolve your concerns. No additional information was received; therefore, the Bank sent you a letter advising that we were closing the dispute. However, the letter also explained that if you wished to resubmit the payment dispute, you may forward the previously requested documents to the Bank. This scenario was repeated in June, July, and August. I have enclosed a copy of these letters for your review On September 11, 2016, the HOT TOPIC store corrected the payment error and applied a credit of $to your account On September 16, 2016, you spoke with a Bank representative who removed the fees from your account. As of the date of this letter, your account balance is zero. I have updated your payment history to remove all delinquencies that were reported for the HOT TOPIC account Please allow days for this information to be updated in their records. Please be assured the account was closed, as you requested The Bank respectfully declines your request for compensation We hope you find this information helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Kristina W***
RE: Victoria’s Secret Angel Credit Card Account Ending In *** Revdex.com Complaint ID# *** Dear *** *** Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the
Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns We understand from your complaint that you received a Victoria’s Secret Angel credit card and were sent information about Account AssureYou state you were asked several times on the phone if you wanted to sign up for Account AssureYou state you declined, and never signed and sent back the paperwork to enroll in Account AssureHowever, you are being charged monthly for Account AssureYou are requesting to be refunded for the Account Assure fees and the interest assessed for these feesAdditionally, you would like Account Assure to be cancelled to avoid future feesI am happy to share my findings Please be advised that Account Assure is offered by a third party vendor, ***The account was enrolled in Account Assure on May 2, 2016, after you confirmed the enrollment via phoneThe form was to be signed and returned in order to receive the $gift cardAccount Assure is an optional debt cancellation programThe monthly fee is $per $of your outstanding balanceIf there is no balance at billing, there is no charge In the interest of customer service, we have credited the account in the amount of $for the product fees and $for the related finance chargesPer your request, Account Assure has been cancelled Additionally, the address provided in your complaint, does not match the address on fileTo update your billing address please contact Customer Care directly 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,
I'm emailing you in regards to complaint number *** I was under the impression that this issue had been closedI mailed back the information requested by Comenity Capital Bank and did not hear anything backAssuming that the issue had been resolved I didn't look into this any furtherHowever, this morning I received an extremely threatening phone call from a *** *** from *** *** saying that if I didn't pay the $600+ by 3pm today they were going to send the account to their lawyers and I would be served papers and would have to go to courtThey called me on my work phone numberI'm not sure how they got this number, but they shouldn't be calling me at workI called Jenny W*** from Comenity and left her a voicemailI am at a loss for what to doI'm in the process of looking at homes and can't take a hit to my credit or deal with litigationI want to resolve thisI never received all of my services and Comenity isn't being responsive at allPlease let me know what I can do to get this resolved Thank you, ***
There was a sixty day window for returns during the holiday season, which is on the receipt that came with the merchandiseI can upload it if you need a copyThe salesperson at the store said it would be credited back to my accountFurthermore, I have NOT received a merchandise credit from you
Regards, *** ***
We received your complaint, submitted to the Revdex.com, regarding the above referenced ***As the bank that issues VICTORIA’S SECRET credit card ***s, werespond to all ***-related concernsYour complaint was forwarded to my attention forreview, and I
appreciate the opportunity to assist you.Your complaint states that you were called multiple times by the BankYou also state that youwere lied to by an associate, and that the late fees were to be refunded; however, you were onlygiven a $creditFurthermore, you state that you were enrolled into *** ***, anoptional debt cancellation program, without your authorization and cannot get this taken off ofyour ***; your emails about the program are not being responded toYou are requesting theBank refund the two late fees, and cancel the *** ***.After a thorough review of your ***, our records indicate that a minimum payment was notreceived for your due date on May 17, 2016, or on July 17, As such, the *** wasassessed a $late fee which reflected on the May statement, and a $late feewhich reflected on the July statement.On June 14, 2016, after making payment for $30.00, the Bank’s associate agreed to remove aportion of the late fee assessed for the missed May due dateAs such, the *** was issueda $creditWe have no record that the late fee charged on the August statement was to becredited.Please understand that if payment is not received, received after the due date, or received forless than the minimum due, the *** may be assessed a late fee, pursuant to the Bank’sCredit Card AgreementAdditionally, when an *** is delinquent, we will make attempts tocontact the customer regarding the status of the ***Many times a payment is overlookedby the customer, and a reminder call is helpful to bring the *** back to a current statusDueto potential negative ramifications for our customers if an *** remains delinquent, we maycall until our attempt to communicate is successful.In the interest of customer service, I issued credit of $to refund the additional amount of thelate fee which was charged to the *** in May; noted aboveWe are unwilling to credit anyfurther late fees from the ***.Please understand that Comenity Bank and *** ***, the third party vendor for ***, are separate entitiesWe reached out to AON, and they provided the telephone callwhich confirms that you authorized the enrollment into the *** *** program on March 13,Although the fees are valid, in the interest of customer service, we issued credits totaling$to refund the fees that were assessed to your ***Additionally, we issued credit totaling $to refund the finance charges associated with the *** *** feesOnOctober 10, 2016, the *** *** program was cancelled, per your request.Due to the credits, the VICTORIA’S SECRET *** has a credit balance of $A refundcheck for $has been issued in your name, and will be received under separate cover, in thenext 7-business days.We apologize for any inconvenience you have been caused, and we hope you find this informationhelpfulShould 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 Ms***: We received your complaint, addressed to the Revdex.com, regarding the above-referenced credit account. Comenity Bank issues TORRID credit card accounts, and we are here to assist you with all account-related questions. I appreciate the opportunity to respond
to your concernsI understand from the complaint that you received numerous telephone calls from Comenity Bank, regarding for your TORRID account being past due You state that currently you are unemployed, and have fallen ill. I understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused youCurrently the TORRID account is two billings past due. The amount of $is due by June 18, 2016. If the account exceeds six consecutive billing cycles past due; as a result, the account will be reported to the credit-reporting agencies as an unpaid debtWhen an account falls past due, collection activity occurs. If a customer has more than one account with a past due status, this could result in multiple attempts to collect throughout the dayComenity Bank understands that customers may experience difficulty making their payments due to unforeseen circumstances. You may be eligible for enrollment in our Customer Hardship Program. This program provides customers with six to twelve months of special terms in order to bring and keep the account current. If you are interested in obtaining information on whether you qualify for this program, please contact a Payment Solutions representative at ###-###-####Additionally, customers who are experiencing financial difficulties are urged 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 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 ###-###-####. We hope you find this information to be helpful. If you have any additional questions, please contact me directly at ###-###-####, ext***(TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Diamond L***
I did not fill out a fraud claim form due to the fact that it is someone in my household I intend to assume full responsibility but at this time I am unable to pay monthly what Comenity Bank wants me to I am just looking for a reduction in what I PAY MONTHLY until sometime in when I am able to pay more. Unfortunately, the person who resides with me has a mental problem and this is one of the results of this problem If you can help me to reduce my monthly payment, I can't tell you how appreciative I am.*** ***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Venus credit cardWe are here to answer your questions and assist with your concerns.We understand the additional concerns as explained in your correspondence, you received a statement showing the account was still charged for the merchandise you returned.As previously communicated, we have contacted Venus on your behalf regarding the disputed charge(s)According to Venus' records, the merchandise, (order #***), was returned for an exchange (Ref.: ***)The new merchandise requested was shipped to the billing address on fileA refund for the difference of $was applied to your account on June 6, The backorder merchandise (order #***) was returned for a refund on June 6, 2017, for $No merchandise from the exchange order has been returned; therefore, no additional credit is due.Please note Comenity Bank and Venus are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountVenus is responsible for handling matters related to sales, merchandise processing, returns and shipping.If you have additional questions regarding the orders, please contact Venus Catalog Customer Service at ###-###-####.We are not taking any additional action regarding your complaint at this timeWe welcome any additional supporting information to further investigate this matterUntil then, our office has filed this compliant as completed.I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Tionna M
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Gander Mountain Mastercard credit cardWe are here to answer your questions and assist with your concerns Our records indicate that the situation referenced in your complaint has been investigated and a response has been previously issued explaining our findings and resolutionComenity Bank’s position remains the same, as addressed in the responses dated February 6, 2017, as well as April 25, We have enclosed a copy of our previous responses for your records. 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***
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above Comenity Bank issues *** Florida credit card accounts, and we are hereto assist you with all account-related questionsI appreciate the opportunity to respond to yourconcerns.We understand
from your complaint that you have concerns regarding your account balance,along with the late fees and finance charges that have been added to the balance.We have reviewed the account and we are happy to share our findings.Bank records indicate, a billing statement was sent to you on March 2015, reflecting abalance of $92, and a payment of $due by April 2015. The Bank received your payment of $on March 14, After this payment wasprocessed, your account balance was $Billing statements were issued monthly fromApril of to presentAs no further payments were received, late fees and finance chargeswere assessed to the account, pursuant to the guidelines of the Credit Card Agreement.Although there were no Bank errors found, in the interest of customer service, we are no longerholding you responsible for the balance of $Please be assured the account has beenadjusted to a zero balance.You are a valued customer and we apologize for any inconvenience this matter has caused you.Should you have any further questions or concerns, please contact me at ###-###-#### ext.*** (TDDTTTY ###-###-####)would be happy to assist you
Dear Ms***We have received your complaint, addressed to the Revdex.com, regarding the above- referenced accountComenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questionsYour complaint was forwarded to my attention, and I
appreciate the opportunity to respond to your concerns.We understand from your complaint that you made a payment in full and received an email thanking you for the paymentHowever, you received an additional statement indicating that your banking institution had rejected this paymentUpon speaking with your bank, they had no such knowledge of a payment being returned to Comenity BankAt that time you made another payment to Comenity BankAdditionally, you indicate that Comenity Bank calls you at least times a dayYou are requesting to have the fees removed from the account, your credit file updated, and the calls stopped regarding this debtI am happy to share my findings with you.When an account is delinquent, we will make attempts to contact the customer regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt is successfulWe have reviewed the concerns noted in your complaint, as well as the applicable telephone records and have verified that all calls were made between 8:a.mand 9:p.min your time zone.Please be assured that a “do not call” status has been notated on the telephone number ending in *** listed on the account.After a thorough review of the account, our records indicate that a payment of $was made via the automated system over the phone on January 3, On January 6, 2016, this payment was returned from your bankWhen a payment is returned, Comenity Bank charges a return payment fee of $25.00, and the amount of the payment is debited back to the accountOn January 27, 2016, another payment of $was submitted via the online Account Center, leaving a balance of $on your account.No additional payments have been received; therefore, late fees and finance charges have accrued pursuant to the Credit Card AgreementAs of the date of this letter, the balance on the account is $with a $minimum payment due on September 3, The account has been closed by Comenity Bank due to the delinquencies.Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityA recent review of the information being reported for your LANE BRYANT credit card account did indicate a discrepancyTo address your concern, we have updated our records and notified the credit-reporting agencies of the changes that need to be made to your credit report Please allow days for their records to be updated.We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused youIf you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Renee S***
Good afternoon,Could I please get an extension on this complaint? I am still working to address the customer's concerns.Thank you,Kassy M***Consumer Relations Specialist/Consumer RelationsAlliance DataEBroad St, Columbus, OH 43213Office: ###-###-####alliancedataretail.com |
LinkedIn | Facebook | Twitter
Dear *** ** ***We received your complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help with youraccount-related questionsYour complaint, addressed to the Revdex.com, wasfowarded
to my attention, and I appreciate the opportunity to respond to your concerns.We understand your frustration because American Laser Skincare went out of business and youare not able to pursue obtaining services; however, we are only able to help you with yourAmerican Laser Skincare credit card account.We resolved your dispute in accordance with the dispute provisions of your credit cardagreement, which are also outlined in the Billing Rights Summary contained in yourmonthly billing statementsSpecifically, we refer you to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Comenity Capital Bank,PO Box 182620, Columbus, Ohio 43218-In your letter, give us the followinginformation:Accountinformation:Yournameandaccount numberDollar amount: The dollar amount of the suspected errorDescription of Problem: If you think there is an error on your bill, describe whatyou believe is wrong and why you believe it is a mistakeYou must contact us within days after the error appeared on your statement.You must notify us of any potential errors in writingYou may call us, but if you do weare not required to investigate any potential errors and you may have to pay the amountin question.While we investigate whether or not there has been an error, the following are true:We cannot try to collect the amount in question, or report you as delinquent onthat amount.The charge in question may remain on your statement, and we may continue tocharge you interest on that amountBut, if we determine that we made a mistake,you wilt not have to pay the amount in question or any interest or other feesrelated to that amount.While you do not have to pay the amount in question, you are responsible for theremainder of the balance.We can apply any unpaid amount against your credit limit.Your Fiiqhts I f You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with yourcredit card, and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchaseTo usethis right, all of the following must be true:The purchase must have been made in your home state or within miles of yourcurrent mailing address, and the purchase price must have been more than $50.00.(Note: Neither of these is necessary if your purchase was based on anadvertisement we mailed to you, or if we own the company that sold you the goodsor services.)You must have used your credit card for the purchasePurchases made with cashadvances from an ATM or with a check that accesses your credit card account donot qualifyYou must not yet have fully paid for the purchase.What this means for you is, if your dispute was submitted more than days after the first billingstatement on which the disputed charge appeared and you have fully paid for your purchase,you are not eligible to receive a credit or refundSince you fully paid for the purchase at thetime you submitted your dispute, you had no remaining amount due that we can forgive.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
We received your correspondence, sent to the Revdex.com (Revdex.com), regarding the above-noted accountComenity Bank issues the Carson’s credit cardWe are here to help answer your questions and assist with your concerns
We understand from your correspondence, your account was
originally opened in April 1976, but your credit reports are reflecting an incorrect open date of July You have contacted Comenity Bank to have this matter corrected; however, the open date reverts back to the conversion date of July when updates are submittedFurthermore, you are requesting we update our system to correct the open date to reflect April
We appreciate you taking the time to contact the Revdex.com regarding your concernsWe apologize for any inconvenience this may have caused you, and would like to take this time to explain our findings
After our investigation, we found there was an issue with the open dates reporting incorrectlyDue to this error, on November 14, 2016, the Bank implemented a system fix to ensure the correct open date is being reported to the credit reporting agenciesPlease be assured, notification has been sent to the credit reporting agencies with instructions to change the open date to April 1976, with regard to your Carson’s credit card accountPlease allow the credit reporting agencies days to update their records
We hope you find this information helpfulIf you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you
Sincerely,
Jack C***
Dear *** *** Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Catherines and Lane Bryant credit cardsWe are here to answer your questions and assist with your concerns. We received your complaint in regard
to the collection activity that has taken place on your above-referenced accountsWe understand that due to unforeseen circumstances you were unable to make the payment on your accountsYou state that when you spoke to a representative that you advised that the payment would be made prior to the new due date of January 11, When speaking to customer service you requested to have the late fee waived. You are requesting the Bank stop calling you, remove the late fees, and report your account in good standing to the credit-agencies. Per your request, a "cease and desist" status has been placed on your accountThis cease and desist request will stop all future collection calls, but it will also suspend authorizations for new purchases on all of your accounts since we will be unable to contact youYou will continue to receive certain legal communications as permitted by lawYour request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address: Comenity Bank P.OBox 182273 Columbus, OH 43218-2273 This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance. When an account is delinquent, we will make attempts to contact the customer regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successful. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card AgreementAs a one-time courtesy, the late fee in the amount of $has been removed from both of the above-referenced accounts. As of today’s date the accounts have been reported as current to the credit agencies. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L***
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 ***3, 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 I will accept your offer because I know you will not be willing to waive the whole feePoor customer servicePlease let me know the balance that is due so that I can get this paid off
Regards, *** ***
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: I have already heard this and after the initial investigation was completed, I was told the charges were unfounded and I was assured that this would be removed off my card as well as all the late feesI called back several times and was told the same thingSo I do not trust or believe it should take days againNot to mention the nasty threat letters I have received from this company that the investigation was completed and it would not be reopened and payment is expected immediately
The charges are not mine, the initial investigation from this company backed that upWhy do an investigation on an investigation? It is ridiculousThese charges need to be removed as promised by this company
Regards,
*** ***
Dear Ms*** Thank you for contacting Comenity Bank, regarding the above-referenced account. As the bank that issues HOT TOPIC accounts, we respond to all account-related concerns. Your complaint was forwarded to my attention, and I appreciate this opportunity to
assist you We understand from your complaint that you are requesting all late fees and charges to be removed from your account due to you paying off your bill in April 2016. We also understand that when you made your payment in store, your account number was incorrectly put into the system, which caused the payment not to be credited to your account. In addition, you are requesting that any negative credit-reporting be removed. Furthermore, you state you no longer want a HOT TOPIC account and you request a store gift card as compensation for the time you spent to resolve this matter Our records indicate that the Bank attempted to resolve this matter on multiple occasions. In May a letter was sent to you explaining that additional information was needed to resolve your concerns. No additional information was received; therefore, the Bank sent you a letter advising that we were closing the dispute. However, the letter also explained that if you wished to resubmit the payment dispute, you may forward the previously requested documents to the Bank. This scenario was repeated in June, July, and August. I have enclosed a copy of these letters for your review On September 11, 2016, the HOT TOPIC store corrected the payment error and applied a credit of $to your account On September 16, 2016, you spoke with a Bank representative who removed the fees from your account. As of the date of this letter, your account balance is zero. I have updated your payment history to remove all delinquencies that were reported for the HOT TOPIC account Please allow days for this information to be updated in their records. Please be assured the account was closed, as you requested The Bank respectfully declines your request for compensation We hope you find this information helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Kristina W***
RE: Victoria’s Secret Angel Credit Card Account Ending In *** Revdex.com Complaint ID# *** Dear *** *** Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the
Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns We understand from your complaint that you received a Victoria’s Secret Angel credit card and were sent information about Account AssureYou state you were asked several times on the phone if you wanted to sign up for Account AssureYou state you declined, and never signed and sent back the paperwork to enroll in Account AssureHowever, you are being charged monthly for Account AssureYou are requesting to be refunded for the Account Assure fees and the interest assessed for these feesAdditionally, you would like Account Assure to be cancelled to avoid future feesI am happy to share my findings Please be advised that Account Assure is offered by a third party vendor, ***The account was enrolled in Account Assure on May 2, 2016, after you confirmed the enrollment via phoneThe form was to be signed and returned in order to receive the $gift cardAccount Assure is an optional debt cancellation programThe monthly fee is $per $of your outstanding balanceIf there is no balance at billing, there is no charge In the interest of customer service, we have credited the account in the amount of $for the product fees and $for the related finance chargesPer your request, Account Assure has been cancelled Additionally, the address provided in your complaint, does not match the address on fileTo update your billing address please contact Customer Care directly 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,
I'm emailing you in regards to complaint number *** I was under the impression that this issue had been closedI mailed back the information requested by Comenity Capital Bank and did not hear anything backAssuming that the issue had been resolved I didn't look into this any furtherHowever, this morning I received an extremely threatening phone call from a *** *** from *** *** saying that if I didn't pay the $600+ by 3pm today they were going to send the account to their lawyers and I would be served papers and would have to go to courtThey called me on my work phone numberI'm not sure how they got this number, but they shouldn't be calling me at workI called Jenny W*** from Comenity and left her a voicemailI am at a loss for what to doI'm in the process of looking at homes and can't take a hit to my credit or deal with litigationI want to resolve thisI never received all of my services and Comenity isn't being responsive at allPlease let me know what I can do to get this resolved Thank you, ***
There was a sixty day window for returns during the holiday season, which is on the receipt that came with the merchandiseI can upload it if you need a copyThe salesperson at the store said it would be credited back to my accountFurthermore, I have NOT received a merchandise credit from you
Regards, *** ***
We received your complaint, submitted to the Revdex.com, regarding the above referenced ***As the bank that issues VICTORIA’S SECRET credit card ***s, werespond to all ***-related concernsYour complaint was forwarded to my attention forreview, and I
appreciate the opportunity to assist you.Your complaint states that you were called multiple times by the BankYou also state that youwere lied to by an associate, and that the late fees were to be refunded; however, you were onlygiven a $creditFurthermore, you state that you were enrolled into *** ***, anoptional debt cancellation program, without your authorization and cannot get this taken off ofyour ***; your emails about the program are not being responded toYou are requesting theBank refund the two late fees, and cancel the *** ***.After a thorough review of your ***, our records indicate that a minimum payment was notreceived for your due date on May 17, 2016, or on July 17, As such, the *** wasassessed a $late fee which reflected on the May statement, and a $late feewhich reflected on the July statement.On June 14, 2016, after making payment for $30.00, the Bank’s associate agreed to remove aportion of the late fee assessed for the missed May due dateAs such, the *** was issueda $creditWe have no record that the late fee charged on the August statement was to becredited.Please understand that if payment is not received, received after the due date, or received forless than the minimum due, the *** may be assessed a late fee, pursuant to the Bank’sCredit Card AgreementAdditionally, when an *** is delinquent, we will make attempts tocontact the customer regarding the status of the ***Many times a payment is overlookedby the customer, and a reminder call is helpful to bring the *** back to a current statusDueto potential negative ramifications for our customers if an *** remains delinquent, we maycall until our attempt to communicate is successful.In the interest of customer service, I issued credit of $to refund the additional amount of thelate fee which was charged to the *** in May; noted aboveWe are unwilling to credit anyfurther late fees from the ***.Please understand that Comenity Bank and *** ***, the third party vendor for ***, are separate entitiesWe reached out to AON, and they provided the telephone callwhich confirms that you authorized the enrollment into the *** *** program on March 13,Although the fees are valid, in the interest of customer service, we issued credits totaling$to refund the fees that were assessed to your ***Additionally, we issued credit totaling $to refund the finance charges associated with the *** *** feesOnOctober 10, 2016, the *** *** program was cancelled, per your request.Due to the credits, the VICTORIA’S SECRET *** has a credit balance of $A refundcheck for $has been issued in your name, and will be received under separate cover, in thenext 7-business days.We apologize for any inconvenience you have been caused, and we hope you find this informationhelpfulShould 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 Ms***: We received your complaint, addressed to the Revdex.com, regarding the above-referenced credit account. Comenity Bank issues TORRID credit card accounts, and we are here to assist you with all account-related questions. I appreciate the opportunity to respond
to your concernsI understand from the complaint that you received numerous telephone calls from Comenity Bank, regarding for your TORRID account being past due You state that currently you are unemployed, and have fallen ill. I understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused youCurrently the TORRID account is two billings past due. The amount of $is due by June 18, 2016. If the account exceeds six consecutive billing cycles past due; as a result, the account will be reported to the credit-reporting agencies as an unpaid debtWhen an account falls past due, collection activity occurs. If a customer has more than one account with a past due status, this could result in multiple attempts to collect throughout the dayComenity Bank understands that customers may experience difficulty making their payments due to unforeseen circumstances. You may be eligible for enrollment in our Customer Hardship Program. This program provides customers with six to twelve months of special terms in order to bring and keep the account current. If you are interested in obtaining information on whether you qualify for this program, please contact a Payment Solutions representative at ###-###-####Additionally, customers who are experiencing financial difficulties are urged 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 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 ###-###-####. We hope you find this information to be helpful. If you have any additional questions, please contact me directly at ###-###-####, ext***(TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Diamond L***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***
I did not fill out a fraud claim form due to the fact that it is someone in my household I intend to assume full responsibility but at this time I am unable to pay monthly what Comenity Bank wants me to I am just looking for a reduction in what I PAY MONTHLY until sometime in when I am able to pay more. Unfortunately, the person who resides with me has a mental problem and this is one of the results of this problem If you can help me to reduce my monthly payment, I can't tell you how appreciative I am.*** ***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Venus credit cardWe are here to answer your questions and assist with your concerns.We understand the additional concerns as explained in your correspondence, you received a statement showing the account was still charged for the merchandise you returned.As previously communicated, we have contacted Venus on your behalf regarding the disputed charge(s)According to Venus' records, the merchandise, (order #***), was returned for an exchange (Ref.: ***)The new merchandise requested was shipped to the billing address on fileA refund for the difference of $was applied to your account on June 6, The backorder merchandise (order #***) was returned for a refund on June 6, 2017, for $No merchandise from the exchange order has been returned; therefore, no additional credit is due.Please note Comenity Bank and Venus are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountVenus is responsible for handling matters related to sales, merchandise processing, returns and shipping.If you have additional questions regarding the orders, please contact Venus Catalog Customer Service at ###-###-####.We are not taking any additional action regarding your complaint at this timeWe welcome any additional supporting information to further investigate this matterUntil then, our office has filed this compliant as completed.I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Tionna M
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Gander Mountain Mastercard credit cardWe are here to answer your questions and assist with your concerns Our records indicate that the situation referenced in your complaint has been investigated and a response has been previously issued explaining our findings and resolutionComenity Bank’s position remains the same, as addressed in the responses dated February 6, 2017, as well as April 25, We have enclosed a copy of our previous responses for your records. 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***
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above Comenity Bank issues *** Florida credit card accounts, and we are hereto assist you with all account-related questionsI appreciate the opportunity to respond to yourconcerns.We understand
from your complaint that you have concerns regarding your account balance,along with the late fees and finance charges that have been added to the balance.We have reviewed the account and we are happy to share our findings.Bank records indicate, a billing statement was sent to you on March 2015, reflecting abalance of $92, and a payment of $due by April 2015. The Bank received your payment of $on March 14, After this payment wasprocessed, your account balance was $Billing statements were issued monthly fromApril of to presentAs no further payments were received, late fees and finance chargeswere assessed to the account, pursuant to the guidelines of the Credit Card Agreement.Although there were no Bank errors found, in the interest of customer service, we are no longerholding you responsible for the balance of $Please be assured the account has beenadjusted to a zero balance.You are a valued customer and we apologize for any inconvenience this matter has caused you.Should you have any further questions or concerns, please contact me at ###-###-#### ext.*** (TDDTTTY ###-###-####)would be happy to assist you
Dear Ms***We have received your complaint, addressed to the Revdex.com, regarding the above- referenced accountComenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questionsYour complaint was forwarded to my attention, and I
appreciate the opportunity to respond to your concerns.We understand from your complaint that you made a payment in full and received an email thanking you for the paymentHowever, you received an additional statement indicating that your banking institution had rejected this paymentUpon speaking with your bank, they had no such knowledge of a payment being returned to Comenity BankAt that time you made another payment to Comenity BankAdditionally, you indicate that Comenity Bank calls you at least times a dayYou are requesting to have the fees removed from the account, your credit file updated, and the calls stopped regarding this debtI am happy to share my findings with you.When an account is delinquent, we will make attempts to contact the customer regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt is successfulWe have reviewed the concerns noted in your complaint, as well as the applicable telephone records and have verified that all calls were made between 8:a.mand 9:p.min your time zone.Please be assured that a “do not call” status has been notated on the telephone number ending in *** listed on the account.After a thorough review of the account, our records indicate that a payment of $was made via the automated system over the phone on January 3, On January 6, 2016, this payment was returned from your bankWhen a payment is returned, Comenity Bank charges a return payment fee of $25.00, and the amount of the payment is debited back to the accountOn January 27, 2016, another payment of $was submitted via the online Account Center, leaving a balance of $on your account.No additional payments have been received; therefore, late fees and finance charges have accrued pursuant to the Credit Card AgreementAs of the date of this letter, the balance on the account is $with a $minimum payment due on September 3, The account has been closed by Comenity Bank due to the delinquencies.Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityA recent review of the information being reported for your LANE BRYANT credit card account did indicate a discrepancyTo address your concern, we have updated our records and notified the credit-reporting agencies of the changes that need to be made to your credit report Please allow days for their records to be updated.We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused youIf you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Renee S***
Good afternoon,Could I please get an extension on this complaint? I am still working to address the customer's concerns.Thank you,Kassy M***Consumer Relations Specialist/Consumer RelationsAlliance DataEBroad St, Columbus, OH 43213Office: ###-###-####alliancedataretail.com |
LinkedIn | Facebook | Twitter
Dear *** ** ***We received your complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help with youraccount-related questionsYour complaint, addressed to the Revdex.com, wasfowarded
to my attention, and I appreciate the opportunity to respond to your concerns.We understand your frustration because American Laser Skincare went out of business and youare not able to pursue obtaining services; however, we are only able to help you with yourAmerican Laser Skincare credit card account.We resolved your dispute in accordance with the dispute provisions of your credit cardagreement, which are also outlined in the Billing Rights Summary contained in yourmonthly billing statementsSpecifically, we refer you to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Comenity Capital Bank,PO Box 182620, Columbus, Ohio 43218-In your letter, give us the followinginformation:Accountinformation:Yournameandaccount numberDollar amount: The dollar amount of the suspected errorDescription of Problem: If you think there is an error on your bill, describe whatyou believe is wrong and why you believe it is a mistakeYou must contact us within days after the error appeared on your statement.You must notify us of any potential errors in writingYou may call us, but if you do weare not required to investigate any potential errors and you may have to pay the amountin question.While we investigate whether or not there has been an error, the following are true:We cannot try to collect the amount in question, or report you as delinquent onthat amount.The charge in question may remain on your statement, and we may continue tocharge you interest on that amountBut, if we determine that we made a mistake,you wilt not have to pay the amount in question or any interest or other feesrelated to that amount.While you do not have to pay the amount in question, you are responsible for theremainder of the balance.We can apply any unpaid amount against your credit limit.Your Fiiqhts I f You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with yourcredit card, and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchaseTo usethis right, all of the following must be true:The purchase must have been made in your home state or within miles of yourcurrent mailing address, and the purchase price must have been more than $50.00.(Note: Neither of these is necessary if your purchase was based on anadvertisement we mailed to you, or if we own the company that sold you the goodsor services.)You must have used your credit card for the purchasePurchases made with cashadvances from an ATM or with a check that accesses your credit card account donot qualifyYou must not yet have fully paid for the purchase.What this means for you is, if your dispute was submitted more than days after the first billingstatement on which the disputed charge appeared and you have fully paid for your purchase,you are not eligible to receive a credit or refundSince you fully paid for the purchase at thetime you submitted your dispute, you had no remaining amount due that we can forgive.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
We received your correspondence, sent to the Revdex.com (Revdex.com), regarding the above-noted accountComenity Bank issues the Carson’s credit cardWe are here to help answer your questions and assist with your concerns
We understand from your correspondence, your account was
originally opened in April 1976, but your credit reports are reflecting an incorrect open date of July You have contacted Comenity Bank to have this matter corrected; however, the open date reverts back to the conversion date of July when updates are submittedFurthermore, you are requesting we update our system to correct the open date to reflect April
We appreciate you taking the time to contact the Revdex.com regarding your concernsWe apologize for any inconvenience this may have caused you, and would like to take this time to explain our findings
After our investigation, we found there was an issue with the open dates reporting incorrectlyDue to this error, on November 14, 2016, the Bank implemented a system fix to ensure the correct open date is being reported to the credit reporting agenciesPlease be assured, notification has been sent to the credit reporting agencies with instructions to change the open date to April 1976, with regard to your Carson’s credit card accountPlease allow the credit reporting agencies days to update their records
We hope you find this information helpfulIf you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you
Sincerely,
Jack C***