Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Gordmans credit cardWe are here to answer your questions and assist with your concerns.In your correspondence, you state that you made a late payment in July due
to issues with our automated systemThe next month, you received a statement of late feesYou called and spoke with an associate who advised she would credit the fees and bring the account balance to zero, however, this did not occurYou received a phone call and a text so you called the Bank and explained that the associate was supposed to remove the feesAfter speaking with five people in two days, you did not obtain the desired resolutionYou would like all the fees removed to bring the account balance to zero.We understand your concern regarding the late feesAfter further review of your account and the applicable phone calls, we are unable to confirm that a Bank representative previously agreed to credit all the fees to bring the account balance to zeroPlease 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 Agreement.We have found no Bank error, and consider the fees to be valid, therefore, we are unwilling to credit the fees.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Nicole F**
*** *** understand the finance charge waiver for months but there is no mention in the agreement and application that I signed of a RETROACTIVE chargeI would have paid off the small balance or used my own visa cardAlthough a senior citizen, I know I would have NEVER agreed to this
I never received the response of my payment history until it was attached to the noticeThe only documentation, I received was the letter dated for Dec21st, The literature posted on the website was clearly there before Nov12, This information was clearly on the website prior to November 12th, 2015. Secondly, the furniture that was purchased in March should not have accumulated interest for at least twelve months I notice I was being charged interest for the first twelve months, which should be be occurring. Finally, since I have been making my payments each month like requested my balance should be less then $919.01.
Regards,*** ***
Dear Mr***: Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I
appreciate the opportunity to assist you You state in your complaint that your credit card was used for purchases made through Haband, and at some point, Comenity Capital Bank included a $on-going fee. You further state that you are uncertain what this charge was for, but that you do not want this service. Additionally, you received no satisfaction when you contacted the Bank. You are requesting for the charge to be removed, and for the card to be cancelled. We sincerely apologize for any inconvenience or frustration this matter may have caused you. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. We have reviewed our records, and we are happy to share our findings. We have enclosed copies of your monthly billing statements, for your review. On October 6, 2013, an order was placed over the phone with Haband for $57.90. This order consisted of two fleece nightshirts. At the same time that you placed this order, you would have been offered the opportunity to enroll in the Haband VIP Plus program. This is an optional service that is offered through Haband. This program offers a special introductory price of $for the first days, and if the consumer does not call to cancel the membership within the first days, the membership fee of $is automatically billed to the Haband account each month. Cancellation may be made at any time with no further obligation. Bank records also indicate that your account was enrolled in Account Assure on November 4, 2013, when you called to activate your Haband credit card. Account Assure is an optional debt cancellation program that can cancel your balance if you become involuntarily unemployed, hospitalized, disabled, or should you pass away. Our records indicate that your membership in Account Assure was cancelled, on June 11, 2015. Upon receiving your Revdex.com complaint, the Bank reached out to Haband on your behalf, and Haband confirmed the Haband VIP Plus membership was cancelled on October 11, 2014, and a credit of $posted to your account on November 13, 2014. Also, a separate credit of $posted to the account on December 15, 2014. Please be assured, on June 29, 2015, Haband issued additional credits totaling $to remove the remaining Haband VIP Plus charges In the interest of customer service, we have issued credits totaling $to remove the late fees and one Account Assure membership fee , which were previously assessed. These credits appeared on your billing statement which was issued on July 2, 2015. Additional credits totaling $were issued on July 7, 2015, to remove finance charges, and Account Assure membership fees which were previously assessed. These credits resulted in a credit balance of $on your Haband account. Because the Haband account has a credit balance, we have issued a refund check of $170.24. Please allow business days to receive your refund check by separate mailing Please be assured, notification has been sent to the national credit-reporting agencies to remove the negative payment information, regarding the Haband account. Please allow days for this information to update in their records. Additionally, the account was closed per your request, on June 26, 2015. We hope you find this information helpful. If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK accounts, and we are here to help answer your account-related questionsYour complaint was forwarded to my
attention, and I appreciate the opportunity to assist you. Your complaint states that you made a payment on April 1, 2015, to bring the account current. This was due to a previous attempt of making a payment that was returned and debited back to the accountYou made a new payment of $on April 10, 2015; however, your checking account was also debited for $on April 23, 2015, without your permissionAt this time, you called your financial institution and placed a freeze on further transactionsYou state that you called and had your credit card account switched to paper billsYou thought that everything was taken care of and you received confirmation on May 2, 2015, that the e-billing was cancelledHowever, you were also notified that the payment for $was returnedYou were not only charged a returned payment fee, but your account was suspended for multiple returned paymentsYou request the Bank to refund the $52.75, in addition to $in payments you made since April 2, You have also requested a credit of the returned payment fee, an apology, and your account reinstated. We reviewed our records and we apologize for any confusion or frustration that you experienced as a result of this matterBelow are the Bank’s findings. On March 27, 2015, you scheduled a payment on Comenity Bank’s on-line Account Center for $55.00, not to be posted until April 17, A payment of $was received by electronic funds transfer from your financial institution on April 1, We also received an additional $payment on April 10, As these payments reduced your balance, Comenity Bank reduced the payment of $you scheduled for April 17, 2015, to $52.75, which was the amount of your balanceYou were also notified by Comenity Bank via a letterA copy of the letter is enclosed for your records. Comenity Bank was notified on April 24, 2015, that your financial institution had frozen your accountAs such, the payment of $was returned to the Victoria’s Secret/PINK account and assessed a $returned payment feeAdditionally, the account was temporarily suspended for further charges. Please be advised that the Bank does not owe you a refund of the amount of the payment, as we never received credit for the paymentAdditionally, as previous payments were authorized by you, we are unwilling to refund themAs a courtesy, we have adjusted the account so that you will not be charged a finance charge on the next billing statement that issues on May 22, In order to take care of the returned payment amount, we encourage you to send $52.75 by your payment due date of June 17, 2015. Although no Bank errors were found and the charges are valid, in the interest of customer service, we issued the account credit of $to refund the returned payment feeAlso, we have reinstated the account credit limit of $500.00, and reinstated your charging privileges. Please keep in mind, should future payments be returned to the Bank, your charging privileges might be suspended. You are a valued customer and we hope this information is helpfulShould you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. *** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
Dear
*** ***We
received your complaint, submitted to the Revdex.com, regarding the
above-referenced account Comenity
Capital Bank issues Overstock.com credit card accounts, and we are here to
answer all account-related questions. I
appreciate the opportunity to
address your concerns.We
understand from your complaint that you request to close and remove any
account(s) in your name based on the reason of fraud. Additionally, you request this information be
removed from your credit report and a copy of the application be sent to
you. We apologize for any inconvenience
or frustration this matter may have caused you.Bank
records indicate that a Statement of Fraud and Forgery has already been
received from you regarding the aforementioned account. A fraud investigator has been assigned, and
the investigation is underway. Should
additional information be required of you, the assigned investigator would be
in contact with youTo
receive a copy of the application, the Bank would need the following:Valid
Identification of the victim (Customer Name)A
copy of the filed police report, including a report number and contact
information that may be used to confirm the filing of the report, if necessary.A
signed affidavit attesting to the validity of the identity theft claim.Please
send the above documents to our Account Protection team at:Comenity Capital BankAccount ProtectionPO Box 182686Columbus, OH 43218-2686If
you are not able to send the above documents, a subpoena would be necessary to
send the information you are requesting. A subpoena must include either the consumer’s full name and complete
social security number, or full name and complete account number. The subpoena needs to be issued by a court
with the subpoena power over Comenity Capital Bank in compliance with the
applicable rules of Civil Procedures or statutes. Please send your request to: Comenity Capital BankAttn: Clerk of RecordsEaston Square PlaceColumbus, OH 43219The
fraud investigator will respond in writing once the investigation has been
completed. In the meantime, should you
have any other questions or concerns regarding this issue, please contact the
Account Protection team directly at ###-###-#### (TDD/TTY ###-###-####)),
and refer to case number ***. They would be happy to assist youSincerely, Kai
M***
Dear Ms***,Thank you for contacting Comenity BankWe issue multiple retail credit card accounts, and arehere to help with your questionsThe Revdex.com forwarded your complaint to myattention and I appreciate the opportunity to respond to your concerns.Please accept our deepest
apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity BankPlease be advised that thetelephone calls being made were attempts to contact a customer regarding a personal businessmatterPlease be assured that we have updated our records and you should not receive anyfurther telephone calls at the telephone number ending in from Comenity Bank.We hope you find this information helpfulIf you have any additional questions or concernsplease contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)willbe happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Comenity claims they cannot find my account based on the telephone number they call approximately times per weekAnd, they call from many different numbers here are a couple the use on Jan 8, 2017: ###-###-#### (1/- 6:35p), ###-###-#### (1/- 3:23p). Comenity is not be truthful since the ONLY number I get calls on is ###-###-#### which was provided and they claimed could not find.Comenity is either being disingenuous, do not have competent records or researchers or their name is being scammed Scammed I do not believe because they are listed and have been reported over and over again on 800notes.com, which tracks unwanted calls, scams, fraud, telemarketers) with specific references as follows: " They are a credit card processing bankThey own the cards under VIctoria Secret, Bath & Beauty, and Express, among others"
If they are truly up and up, they would leave a message - which they never do or contact me via email, which they never do
Regards,
*** ***
Dear Ms***We have received your complaint regarding emails you are receiving from Comenity Bank.Please be assured, we are here to help with your concernsYour complaint, addressed to theRevdex.com, was forwarded to my attention and we appreciate the opportunity toassist you.We
understand from your complaint you are receiving email correspondence from ComenityBank regarding a matter not related to youYou state that you have made several calls toComenity Bank to attempt to rectify this matter; however, this matter remains unresolved.You are requesting that Comenity Bank provide you with a confirmation in writing that thismatter has been resolved.The Bank has reviewed the issues listed in your Revdex.com complaint, but wasunable to locate the applicable phone conversations related to this matterWe apologize If youfeel that you did not receive the best customer serviceIt is never the Bank's intention to treatour customers in a less-than-satisfactory mannerComenity Bank is committed to providing thebest customer service and is disappointed when a customer feels that this standard was notmet.Please be assured the ernail address, [email protected], has been removed fromour system and you should no longer receive email notifications from Comenity BankWeappreciate you taking the time to bring this matter to our attention, and we apologize for anyinconvenience this may have caused you.I hope you find this information to be helpfulShould you have additional questions or concernsabout this matter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M*** *** ***
Dear Ms***We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Lane Bryant Retail credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my
attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that Comenity Bank reported the above-referenced account as days delinquent and this has impacted your credit score Additionally, you believe Comenity Bank did not make sufficient attempts to contact you before reporting the payment as late You are requesting that the Bank update the information reported to the credit-reporting agencies regarding the day delinquency I am happy to share my findings with you.After a thorough review of the account, our records indicate that payments were not received for the months of December and January which caused the day delinquency to be reported to the credit-reporting agencies for January 2013.Regarding the matter of the Bank not making sufficient attempts to contact you in regard to the late payments, our records indicate that you were enrolled to receive online statements Statement Ready Email (SRE) notifications were being sent to the email address supplied at the time of enrollment on Account Center, [email protected] We have no record of the SRE notifications being returned as undeliverable.On November 7, 2012, a statement was issued to you with a balance of $87.00, and a minimum payment of $25.00, due by December 3, As no payment was received by the due date, a late fee was assessed to the account per our Credit Card Agreement (CCA) Enclosed is a copy of the CCA for your records On December 8, 2012, a statement was issued to you with a balance of $113.97, and a minimum payment of $56.00, due by January 3, As no payment was received by the due date, another late fee and finance charge were assessed to the account and it was reported as days past due Enclosed are copies of the statements referenced above for your records.Comenity Bank reports the same information to each of the national credit-reporting agencies A review of the reporting indicated that each credit-reporting agency is reporting the day delinquency; however, Equifax was reporting the delinquency for February 2013, instead of January Notification was sent to Equifax to update their records to correctly reflect the delinquency in January Please allow days for their records to be updated.You may contact the national credit-reporting agencies and place a consumer statement on your credit file that explains why the account became delinquent This will not change your credit rating; however, it will explain to potential creditors why the account became past due and it may contribute to their decision to extend credit to you You may contact them, using the below information, for assistance. Experian (TRW) P.OBox Experian ParkwayAllen, TX - 0036 ###-###-####http://www.experian.comTrans Union (TRU)P.OBox 390Springfield, PA - 0390 ###-###-#### P.OBox 740241Atlanta, GA - 0241 ###-###-####http://www.transunion.comEquifax (CBI)P.OBox 740241Atlanta, GA 30374-0241###-###-####http://www.equifax.com We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions regarding this letter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, Renee S*** *** ***
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the Better BusinessBureau regarding this same matterAs explained in our previous response, your account wasregistered through our online Account Center on September 8, Additionally, you enrolled inpaperless statements, meaning you received your statements online versus postal mail, and wedo not have any record of emails being returned as undeliverable from the email address youprovided.A courtesy credit of $was applied to the account in October 2016, for the previouslyassessed late feeAs a result, your account is not eligible for any additional late fee creditsThebalance as of the date of this letter is $85.12, and the account is currently two billing cycles pastdueA payment of $is due by April 21, 2017.Please be advised, should the account exceed six consecutive billing cycles past due, it will bewritten off and reported to the credit reporting agencies as an unpaid debt.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Shelley A***
I am unable to supply any recording of their representative stating the facts of the account assure informationNot should I have had to do soThey have had other complaints in this same manner
Regards, *** ***
Comenity Bank received the complaint for *** In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extensionPlease let me know if this extension is not approved. Thank you,
Dear Ms***: We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Diamond Elite credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my
attention, and I appreciate the opportunity to assist you We understand your concerns regarding merchandise purchased in November that was supposed to be received by Christmas; however, you state you do not have the jewelry. Additionally, you have contacted the store and are being refused credit to bring your account balance to zero. We apologize for any inconvenience this matter may have caused you Please note that Comenity Bank and Samuels are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card account. Samuels is responsible for handling matters related to sales, merchandise processing, returns, and refunds We have contacted Samuels directly, on your behalf, regarding your purchase. We have been advised the following information: Guest wanted chain and disc to be engraved. This was in November. She wanted everything completed by Christmas. Customer was advised that it would be tough; however, we would do our best to get it done. We came through and got it done the week prior to Christmas. We called the customer and she was really happy we came through for her. Customer came in and decided that she did not want the chain because her dad already had one. Customer wanted a bracelet to match and wanted us to cut the bracelet so that the engraved disc would lay flat on the wrist and she also wanted this done by Christmas. We explained to her that it was highly unlikely that we would get this for Christmas; however, we could cut the chain and get that done for Christmas and she could have the left over gold. Customer didn’t want that done. We called special orders that Monday and asked if we could get the bracelet in for Christmas and we were told that we could not since it was the week before Christmas. We called the customer to let her know. Customer was upset and immediately wanted to return everything. We explained to her since the merchandise that was ordered was in and altered, that we could not return itThat’s when she got involved with the customer service departmentWe ended up getting the bracelet in the day before, so we called the customer to let her know that we had it drop shipped to the store and we could give her the bracelet and engraved disc; however, we could not have the alterations done to it before Christmas, she stated that she still did not want it and that was the last we heard from the customer As advised by Samuels, the merchandise cannot be returned, as it has been altered. We strongly suggest contacting Samuels directly at ###-###-####, to accept the merchandise Your current account balance is $1, We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H*** Consumer Relations Specialist CC: Revdex.com
Dear *** ***:We received your complaint regarding the above-noted accountsCornenity Bank issues Victoria'sSecretPINK and maurices credit card accounts, and we are here to help answer account-reledquestionsYour complaint was forwarded to my attention, and I appreciate the opportunity to
assist you.We understand from your complaint that you have two credit card accounts with Comenity Bank that werereported delinquent to the credit bureausYou state that the accounts were not reported delinquent untilafter you paid the accounts in full, which is untrue and unfairYou are frying to get a home loan, yourfinanciainstitution will not approve your loan based on these negative entries, and you are requesting theBank to remove them from your credit history.Bank records indicate that after missing the September 4, October 2014, February 2Q15, and Marchpayment due dates on your maurices account, the account was reported 30-days delinquent to thecredit bureaus in October and March As the account had more than two delinquent paymentsin the last 12-months, we are unwilling to remove the delinquencies from your credit fileEnclosed arecopies of the maurices statements for your records.After reviewing the Victoria's SecretPlNK accountwe found one 30-day delinquency repoited due to amissed paymentAs a courtesy, please be assured that we have sent notification to the national creditreporting agencies with instructions to delete the 30-day delinquencyPlease allow them days toupdate their recordsEnclosed are copies of the Victoria's Secret statements for your records.Please understand that payments not received, received after the payment due date(s), or received forless than the full minimum payment will cause the account to be assessed a late fee and present a pastdue statusIf the account continues to reflect a past due status for two consecutive billing periods, theaccount is reported as delinquent to the credit bureaus.We apologize for any confusion or inconvenience you have been caused, and we hope this information ishelpfulShould you have further questions or concerns, please do not hesitate to contact me at###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y*** *** ***
Dear *** *** We have received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues LOVE LOFT accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to address your concerns We understand your concerns as explained in your correspondence You never received any documentation, statement, credit card information, or communication regarding an account opened in your name that is now nearly days past-due. You state that you spoke to a representative who admitted that the account had a different address than what was listed on your other credit card with the Bank You requested to know what the open credit is for and the late payment information to be reversed off your credit report Please note, we have reviewed the above-noted credit card account, and we are pleased to share our findings below On February 23, 2016, a credit application was processed using your information in a LOFT store at Premium Outlets, located in Aurora, Illinois. During this process, the store associate would have asked if you wanted to open a LOVE LOFT credit card account. With your permission, the store associate would have used your major credit card as an initial reference and started an application for you. The LOFT credit card application was approved and an account was opened, in the name of Alicia CFigueroa. At that time, the store associate should have issued you a Credit Card Agreement and Privacy Statement On the same day, a purchase for $was charged to the account. As no payment was received by the due dates of April 11, 2016, May 11, 2016, June 11, 2016, and July 11, 2016, the account was charged late fees and finance charges, as explained in the Credit Card Agreement, resulting in an outstanding balance The account became four billing cycles past due Our records further indicate that the Welcome Kit, consisting of the credit card and Credit Card Agreement, as well as the first billing statement, were mailed to an address on North Oriole Avenue in Chicago, Illinois. However, Bank records show that the mail was returned to us as undeliverable by the post office. As a result, statements were not mailed until your address could be verified. On July 10, 1016, you spoke with one of the Bank’s associates and your address was updated to the address listed above. Because of the returned mail, the associate credited your account for late fees and finance charges. The associate also submitted a request to the three national credit-reporting agencies with instructions to delete the negative payment information from your credit bureau report. Please allow the credit-reporting agencies up to days to update their records. On July 27, 2016, a payment of $was applied to the account; resulting in a zero balance. In addition, a Statement of Fraud and Forgery (SOFF), was sent to you on July 27, 2016, in response to your dispute filed with the credit-reporting agencies which stated the account was not yours If the account is valid, please call me at the telephone number below so I can update the account information. Otherwise, if you believe the account or purchase is fraudulent, please complete and return the SOFF, to our Account Protection (Fraud) team. Please be aware that a fraud investigation will be initiated if you do not call to confirm the account is valid. If you are returning the completed SOFF, please mail to: We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matterWe hope you find this information helpful. Should you have any further questions or concerns, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Tionna M***
Dear *** ***
We received the inquiry you sent to the Revdex.com regarding
the above-noted complaint. Your
correspondence was forwarded to
Comenity Bank (Bank).
Comenity Bank issues multiple credit card accounts, and we are here to
help
answer your questions. I appreciate the
opportunity to assist you with your concerns
We would like to help resolve any
concerns you haveHowever, based on the information provided in your correspondence, we have been unable
to locate an account with the information provided. In order
to better assist you, please provide us with the following information:
The Phone Number(s) Comenity Bank Is CallingThe Person Comenity Bank Is Trying To Speak ToOnce this information has been received, we will be able to more
accurately address any concerns you may have.
Please send this information to my attention at the address on the top
of this letter. If you have any further questions, please
contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Jack C***
Dear Ms***:We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Woman Within@ credit card accounts, and we arehere to assist you with all account-related questions or concernsI appreciate the opportunity torespond to
your concerns.Please understand that Comenity Bank and Woman Within are two separate entitiesComenityBank is responsible for addressing questions related to Woman WithinB credit card accounts,while Woman Within is responsible for handling matters related to sales, merchandiseprocessing, returns, shipping, and merchandise quality.I have spoken to Woman Within on your behalf, and they have verified your order detailsEnclosed you will find your receipts, along with your billing statements which show the accountactivity that comprised the account balance.If you believe that these charges are fraudulent, please contact our Account Protection team at###-###-####.If you have further questions regarding the orders billed to your account, please contact WomanWithin at ###-###-####.I hope you have found this information to be helpfulShould you have any additional questions,please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Amanda R*** *** ***
Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Gordmans credit cardWe are here to answer your questions and assist with your concerns.In your correspondence, you state that you made a late payment in July due
to issues with our automated systemThe next month, you received a statement of late feesYou called and spoke with an associate who advised she would credit the fees and bring the account balance to zero, however, this did not occurYou received a phone call and a text so you called the Bank and explained that the associate was supposed to remove the feesAfter speaking with five people in two days, you did not obtain the desired resolutionYou would like all the fees removed to bring the account balance to zero.We understand your concern regarding the late feesAfter further review of your account and the applicable phone calls, we are unable to confirm that a Bank representative previously agreed to credit all the fees to bring the account balance to zeroPlease 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 Agreement.We have found no Bank error, and consider the fees to be valid, therefore, we are unwilling to credit the fees.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Nicole F**
*** *** understand the finance charge waiver for months but there is no mention in the agreement and application that I signed of a RETROACTIVE chargeI would have paid off the small balance or used my own visa cardAlthough a senior citizen, I know I would have NEVER agreed to this
I never received the response of my payment history until it was attached to the noticeThe only documentation, I received was the letter dated for Dec21st, The literature posted on the website was clearly there before Nov12, This information was clearly on the website prior to November 12th, 2015. Secondly, the furniture that was purchased in March should not have accumulated interest for at least twelve months I notice I was being charged interest for the first twelve months, which should be be occurring. Finally, since I have been making my payments each month like requested my balance should be less then $919.01.
Regards,*** ***
Dear Mr***: Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I
appreciate the opportunity to assist you You state in your complaint that your credit card was used for purchases made through Haband, and at some point, Comenity Capital Bank included a $on-going fee. You further state that you are uncertain what this charge was for, but that you do not want this service. Additionally, you received no satisfaction when you contacted the Bank. You are requesting for the charge to be removed, and for the card to be cancelled. We sincerely apologize for any inconvenience or frustration this matter may have caused you. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. We have reviewed our records, and we are happy to share our findings. We have enclosed copies of your monthly billing statements, for your review. On October 6, 2013, an order was placed over the phone with Haband for $57.90. This order consisted of two fleece nightshirts. At the same time that you placed this order, you would have been offered the opportunity to enroll in the Haband VIP Plus program. This is an optional service that is offered through Haband. This program offers a special introductory price of $for the first days, and if the consumer does not call to cancel the membership within the first days, the membership fee of $is automatically billed to the Haband account each month. Cancellation may be made at any time with no further obligation. Bank records also indicate that your account was enrolled in Account Assure on November 4, 2013, when you called to activate your Haband credit card. Account Assure is an optional debt cancellation program that can cancel your balance if you become involuntarily unemployed, hospitalized, disabled, or should you pass away. Our records indicate that your membership in Account Assure was cancelled, on June 11, 2015. Upon receiving your Revdex.com complaint, the Bank reached out to Haband on your behalf, and Haband confirmed the Haband VIP Plus membership was cancelled on October 11, 2014, and a credit of $posted to your account on November 13, 2014. Also, a separate credit of $posted to the account on December 15, 2014. Please be assured, on June 29, 2015, Haband issued additional credits totaling $to remove the remaining Haband VIP Plus charges In the interest of customer service, we have issued credits totaling $to remove the late fees and one Account Assure membership fee , which were previously assessed. These credits appeared on your billing statement which was issued on July 2, 2015. Additional credits totaling $were issued on July 7, 2015, to remove finance charges, and Account Assure membership fees which were previously assessed. These credits resulted in a credit balance of $on your Haband account. Because the Haband account has a credit balance, we have issued a refund check of $170.24. Please allow business days to receive your refund check by separate mailing Please be assured, notification has been sent to the national credit-reporting agencies to remove the negative payment information, regarding the Haband account. Please allow days for this information to update in their records. Additionally, the account was closed per your request, on June 26, 2015. We hope you find this information helpful. If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK accounts, and we are here to help answer your account-related questionsYour complaint was forwarded to my
attention, and I appreciate the opportunity to assist you. Your complaint states that you made a payment on April 1, 2015, to bring the account current. This was due to a previous attempt of making a payment that was returned and debited back to the accountYou made a new payment of $on April 10, 2015; however, your checking account was also debited for $on April 23, 2015, without your permissionAt this time, you called your financial institution and placed a freeze on further transactionsYou state that you called and had your credit card account switched to paper billsYou thought that everything was taken care of and you received confirmation on May 2, 2015, that the e-billing was cancelledHowever, you were also notified that the payment for $was returnedYou were not only charged a returned payment fee, but your account was suspended for multiple returned paymentsYou request the Bank to refund the $52.75, in addition to $in payments you made since April 2, You have also requested a credit of the returned payment fee, an apology, and your account reinstated. We reviewed our records and we apologize for any confusion or frustration that you experienced as a result of this matterBelow are the Bank’s findings. On March 27, 2015, you scheduled a payment on Comenity Bank’s on-line Account Center for $55.00, not to be posted until April 17, A payment of $was received by electronic funds transfer from your financial institution on April 1, We also received an additional $payment on April 10, As these payments reduced your balance, Comenity Bank reduced the payment of $you scheduled for April 17, 2015, to $52.75, which was the amount of your balanceYou were also notified by Comenity Bank via a letterA copy of the letter is enclosed for your records. Comenity Bank was notified on April 24, 2015, that your financial institution had frozen your accountAs such, the payment of $was returned to the Victoria’s Secret/PINK account and assessed a $returned payment feeAdditionally, the account was temporarily suspended for further charges. Please be advised that the Bank does not owe you a refund of the amount of the payment, as we never received credit for the paymentAdditionally, as previous payments were authorized by you, we are unwilling to refund themAs a courtesy, we have adjusted the account so that you will not be charged a finance charge on the next billing statement that issues on May 22, In order to take care of the returned payment amount, we encourage you to send $52.75 by your payment due date of June 17, 2015. Although no Bank errors were found and the charges are valid, in the interest of customer service, we issued the account credit of $to refund the returned payment feeAlso, we have reinstated the account credit limit of $500.00, and reinstated your charging privileges. Please keep in mind, should future payments be returned to the Bank, your charging privileges might be suspended. You are a valued customer and we hope this information is helpfulShould you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. *** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
Dear
*** ***We
received your complaint, submitted to the Revdex.com, regarding the
above-referenced account Comenity
Capital Bank issues Overstock.com credit card accounts, and we are here to
answer all account-related questions. I
appreciate the opportunity to
address your concerns.We
understand from your complaint that you request to close and remove any
account(s) in your name based on the reason of fraud. Additionally, you request this information be
removed from your credit report and a copy of the application be sent to
you. We apologize for any inconvenience
or frustration this matter may have caused you.Bank
records indicate that a Statement of Fraud and Forgery has already been
received from you regarding the aforementioned account. A fraud investigator has been assigned, and
the investigation is underway. Should
additional information be required of you, the assigned investigator would be
in contact with youTo
receive a copy of the application, the Bank would need the following:Valid
Identification of the victim (Customer Name)A
copy of the filed police report, including a report number and contact
information that may be used to confirm the filing of the report, if necessary.A
signed affidavit attesting to the validity of the identity theft claim.Please
send the above documents to our Account Protection team at:Comenity Capital BankAccount ProtectionPO Box 182686Columbus, OH 43218-2686If
you are not able to send the above documents, a subpoena would be necessary to
send the information you are requesting. A subpoena must include either the consumer’s full name and complete
social security number, or full name and complete account number. The subpoena needs to be issued by a court
with the subpoena power over Comenity Capital Bank in compliance with the
applicable rules of Civil Procedures or statutes. Please send your request to: Comenity Capital BankAttn: Clerk of RecordsEaston Square PlaceColumbus, OH 43219The
fraud investigator will respond in writing once the investigation has been
completed. In the meantime, should you
have any other questions or concerns regarding this issue, please contact the
Account Protection team directly at ###-###-#### (TDD/TTY ###-###-####)),
and refer to case number ***. They would be happy to assist youSincerely, Kai
M***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
Regards,
*** ***
Dear Ms***,Thank you for contacting Comenity BankWe issue multiple retail credit card accounts, and arehere to help with your questionsThe Revdex.com forwarded your complaint to myattention and I appreciate the opportunity to respond to your concerns.Please accept our deepest
apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity BankPlease be advised that thetelephone calls being made were attempts to contact a customer regarding a personal businessmatterPlease be assured that we have updated our records and you should not receive anyfurther telephone calls at the telephone number ending in from Comenity Bank.We hope you find this information helpfulIf you have any additional questions or concernsplease contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)willbe happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Comenity claims they cannot find my account based on the telephone number they call approximately times per weekAnd, they call from many different numbers here are a couple the use on Jan 8, 2017: ###-###-#### (1/- 6:35p), ###-###-#### (1/- 3:23p). Comenity is not be truthful since the ONLY number I get calls on is ###-###-#### which was provided and they claimed could not find.Comenity is either being disingenuous, do not have competent records or researchers or their name is being scammed Scammed I do not believe because they are listed and have been reported over and over again on 800notes.com, which tracks unwanted calls, scams, fraud, telemarketers) with specific references as follows: " They are a credit card processing bankThey own the cards under VIctoria Secret, Bath & Beauty, and Express, among others"
If they are truly up and up, they would leave a message - which they never do or contact me via email, which they never do
Regards,
*** ***
Dear Ms***We have received your complaint regarding emails you are receiving from Comenity Bank.Please be assured, we are here to help with your concernsYour complaint, addressed to theRevdex.com, was forwarded to my attention and we appreciate the opportunity toassist you.We
understand from your complaint you are receiving email correspondence from ComenityBank regarding a matter not related to youYou state that you have made several calls toComenity Bank to attempt to rectify this matter; however, this matter remains unresolved.You are requesting that Comenity Bank provide you with a confirmation in writing that thismatter has been resolved.The Bank has reviewed the issues listed in your Revdex.com complaint, but wasunable to locate the applicable phone conversations related to this matterWe apologize If youfeel that you did not receive the best customer serviceIt is never the Bank's intention to treatour customers in a less-than-satisfactory mannerComenity Bank is committed to providing thebest customer service and is disappointed when a customer feels that this standard was notmet.Please be assured the ernail address, [email protected], has been removed fromour system and you should no longer receive email notifications from Comenity BankWeappreciate you taking the time to bring this matter to our attention, and we apologize for anyinconvenience this may have caused you.I hope you find this information to be helpfulShould you have additional questions or concernsabout this matter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M*** *** ***
Dear Ms***We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Lane Bryant Retail credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my
attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that Comenity Bank reported the above-referenced account as days delinquent and this has impacted your credit score Additionally, you believe Comenity Bank did not make sufficient attempts to contact you before reporting the payment as late You are requesting that the Bank update the information reported to the credit-reporting agencies regarding the day delinquency I am happy to share my findings with you.After a thorough review of the account, our records indicate that payments were not received for the months of December and January which caused the day delinquency to be reported to the credit-reporting agencies for January 2013.Regarding the matter of the Bank not making sufficient attempts to contact you in regard to the late payments, our records indicate that you were enrolled to receive online statements Statement Ready Email (SRE) notifications were being sent to the email address supplied at the time of enrollment on Account Center, [email protected] We have no record of the SRE notifications being returned as undeliverable.On November 7, 2012, a statement was issued to you with a balance of $87.00, and a minimum payment of $25.00, due by December 3, As no payment was received by the due date, a late fee was assessed to the account per our Credit Card Agreement (CCA) Enclosed is a copy of the CCA for your records On December 8, 2012, a statement was issued to you with a balance of $113.97, and a minimum payment of $56.00, due by January 3, As no payment was received by the due date, another late fee and finance charge were assessed to the account and it was reported as days past due Enclosed are copies of the statements referenced above for your records.Comenity Bank reports the same information to each of the national credit-reporting agencies A review of the reporting indicated that each credit-reporting agency is reporting the day delinquency; however, Equifax was reporting the delinquency for February 2013, instead of January Notification was sent to Equifax to update their records to correctly reflect the delinquency in January Please allow days for their records to be updated.You may contact the national credit-reporting agencies and place a consumer statement on your credit file that explains why the account became delinquent This will not change your credit rating; however, it will explain to potential creditors why the account became past due and it may contribute to their decision to extend credit to you You may contact them, using the below information, for assistance. Experian (TRW) P.OBox Experian ParkwayAllen, TX - 0036 ###-###-####http://www.experian.comTrans Union (TRU)P.OBox 390Springfield, PA - 0390 ###-###-#### P.OBox 740241Atlanta, GA - 0241 ###-###-####http://www.transunion.comEquifax (CBI)P.OBox 740241Atlanta, GA 30374-0241###-###-####http://www.equifax.com We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions regarding this letter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, Renee S*** *** ***
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the Better BusinessBureau regarding this same matterAs explained in our previous response, your account wasregistered through our online Account Center on September 8, Additionally, you enrolled inpaperless statements, meaning you received your statements online versus postal mail, and wedo not have any record of emails being returned as undeliverable from the email address youprovided.A courtesy credit of $was applied to the account in October 2016, for the previouslyassessed late feeAs a result, your account is not eligible for any additional late fee creditsThebalance as of the date of this letter is $85.12, and the account is currently two billing cycles pastdueA payment of $is due by April 21, 2017.Please be advised, should the account exceed six consecutive billing cycles past due, it will bewritten off and reported to the credit reporting agencies as an unpaid debt.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Shelley A***
I am unable to supply any recording of their representative stating the facts of the account assure informationNot should I have had to do soThey have had other complaints in this same manner
Regards, *** ***
Comenity Bank received the complaint for *** In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extensionPlease let me know if this extension is not approved. Thank you,
Please see the attachment
Dear Ms***: We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Diamond Elite credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my
attention, and I appreciate the opportunity to assist you We understand your concerns regarding merchandise purchased in November that was supposed to be received by Christmas; however, you state you do not have the jewelry. Additionally, you have contacted the store and are being refused credit to bring your account balance to zero. We apologize for any inconvenience this matter may have caused you Please note that Comenity Bank and Samuels are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card account. Samuels is responsible for handling matters related to sales, merchandise processing, returns, and refunds We have contacted Samuels directly, on your behalf, regarding your purchase. We have been advised the following information: Guest wanted chain and disc to be engraved. This was in November. She wanted everything completed by Christmas. Customer was advised that it would be tough; however, we would do our best to get it done. We came through and got it done the week prior to Christmas. We called the customer and she was really happy we came through for her. Customer came in and decided that she did not want the chain because her dad already had one. Customer wanted a bracelet to match and wanted us to cut the bracelet so that the engraved disc would lay flat on the wrist and she also wanted this done by Christmas. We explained to her that it was highly unlikely that we would get this for Christmas; however, we could cut the chain and get that done for Christmas and she could have the left over gold. Customer didn’t want that done. We called special orders that Monday and asked if we could get the bracelet in for Christmas and we were told that we could not since it was the week before Christmas. We called the customer to let her know. Customer was upset and immediately wanted to return everything. We explained to her since the merchandise that was ordered was in and altered, that we could not return itThat’s when she got involved with the customer service departmentWe ended up getting the bracelet in the day before, so we called the customer to let her know that we had it drop shipped to the store and we could give her the bracelet and engraved disc; however, we could not have the alterations done to it before Christmas, she stated that she still did not want it and that was the last we heard from the customer As advised by Samuels, the merchandise cannot be returned, as it has been altered. We strongly suggest contacting Samuels directly at ###-###-####, to accept the merchandise Your current account balance is $1, We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H*** Consumer Relations Specialist CC: Revdex.com
Dear *** ***:We received your complaint regarding the above-noted accountsCornenity Bank issues Victoria'sSecretPINK and maurices credit card accounts, and we are here to help answer account-reledquestionsYour complaint was forwarded to my attention, and I appreciate the opportunity to
assist you.We understand from your complaint that you have two credit card accounts with Comenity Bank that werereported delinquent to the credit bureausYou state that the accounts were not reported delinquent untilafter you paid the accounts in full, which is untrue and unfairYou are frying to get a home loan, yourfinanciainstitution will not approve your loan based on these negative entries, and you are requesting theBank to remove them from your credit history.Bank records indicate that after missing the September 4, October 2014, February 2Q15, and Marchpayment due dates on your maurices account, the account was reported 30-days delinquent to thecredit bureaus in October and March As the account had more than two delinquent paymentsin the last 12-months, we are unwilling to remove the delinquencies from your credit fileEnclosed arecopies of the maurices statements for your records.After reviewing the Victoria's SecretPlNK accountwe found one 30-day delinquency repoited due to amissed paymentAs a courtesy, please be assured that we have sent notification to the national creditreporting agencies with instructions to delete the 30-day delinquencyPlease allow them days toupdate their recordsEnclosed are copies of the Victoria's Secret statements for your records.Please understand that payments not received, received after the payment due date(s), or received forless than the full minimum payment will cause the account to be assessed a late fee and present a pastdue statusIf the account continues to reflect a past due status for two consecutive billing periods, theaccount is reported as delinquent to the credit bureaus.We apologize for any confusion or inconvenience you have been caused, and we hope this information ishelpfulShould you have further questions or concerns, please do not hesitate to contact me at###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y*** *** ***
Dear *** *** We have received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues LOVE LOFT accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to address your concerns We understand your concerns as explained in your correspondence You never received any documentation, statement, credit card information, or communication regarding an account opened in your name that is now nearly days past-due. You state that you spoke to a representative who admitted that the account had a different address than what was listed on your other credit card with the Bank You requested to know what the open credit is for and the late payment information to be reversed off your credit report Please note, we have reviewed the above-noted credit card account, and we are pleased to share our findings below On February 23, 2016, a credit application was processed using your information in a LOFT store at Premium Outlets, located in Aurora, Illinois. During this process, the store associate would have asked if you wanted to open a LOVE LOFT credit card account. With your permission, the store associate would have used your major credit card as an initial reference and started an application for you. The LOFT credit card application was approved and an account was opened, in the name of Alicia CFigueroa. At that time, the store associate should have issued you a Credit Card Agreement and Privacy Statement On the same day, a purchase for $was charged to the account. As no payment was received by the due dates of April 11, 2016, May 11, 2016, June 11, 2016, and July 11, 2016, the account was charged late fees and finance charges, as explained in the Credit Card Agreement, resulting in an outstanding balance The account became four billing cycles past due Our records further indicate that the Welcome Kit, consisting of the credit card and Credit Card Agreement, as well as the first billing statement, were mailed to an address on North Oriole Avenue in Chicago, Illinois. However, Bank records show that the mail was returned to us as undeliverable by the post office. As a result, statements were not mailed until your address could be verified. On July 10, 1016, you spoke with one of the Bank’s associates and your address was updated to the address listed above. Because of the returned mail, the associate credited your account for late fees and finance charges. The associate also submitted a request to the three national credit-reporting agencies with instructions to delete the negative payment information from your credit bureau report. Please allow the credit-reporting agencies up to days to update their records. On July 27, 2016, a payment of $was applied to the account; resulting in a zero balance. In addition, a Statement of Fraud and Forgery (SOFF), was sent to you on July 27, 2016, in response to your dispute filed with the credit-reporting agencies which stated the account was not yours If the account is valid, please call me at the telephone number below so I can update the account information. Otherwise, if you believe the account or purchase is fraudulent, please complete and return the SOFF, to our Account Protection (Fraud) team. Please be aware that a fraud investigation will be initiated if you do not call to confirm the account is valid. If you are returning the completed SOFF, please mail to: We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matterWe hope you find this information helpful. Should you have any further questions or concerns, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Tionna M***
Dear *** ***
We received the inquiry you sent to the Revdex.com regarding
the above-noted complaint. Your
correspondence was forwarded to
Comenity Bank (Bank).
Comenity Bank issues multiple credit card accounts, and we are here to
help
answer your questions. I appreciate the
opportunity to assist you with your concerns
We would like to help resolve any
concerns you haveHowever, based on the information provided in your correspondence, we have been unable
to locate an account with the information provided. In order
to better assist you, please provide us with the following information:
The Phone Number(s) Comenity Bank Is CallingThe Person Comenity Bank Is Trying To Speak ToOnce this information has been received, we will be able to more
accurately address any concerns you may have.
Please send this information to my attention at the address on the top
of this letter. If you have any further questions, please
contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Jack C***
Dear Ms***:We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Woman Within@ credit card accounts, and we arehere to assist you with all account-related questions or concernsI appreciate the opportunity torespond to
your concerns.Please understand that Comenity Bank and Woman Within are two separate entitiesComenityBank is responsible for addressing questions related to Woman WithinB credit card accounts,while Woman Within is responsible for handling matters related to sales, merchandiseprocessing, returns, shipping, and merchandise quality.I have spoken to Woman Within on your behalf, and they have verified your order detailsEnclosed you will find your receipts, along with your billing statements which show the accountactivity that comprised the account balance.If you believe that these charges are fraudulent, please contact our Account Protection team at###-###-####.If you have further questions regarding the orders billed to your account, please contact WomanWithin at ###-###-####.I hope you have found this information to be helpfulShould you have any additional questions,please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Amanda R*** *** ***