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***
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 *** ***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***
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
*** *** 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 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 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*** *** ***
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 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 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 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 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 *** ***: We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues dressbarn 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 that you received a telephone call from Comenity Bank, requesting a payment as the account was four billing periods past due. You further state that since you selected paperless statements, you have not received any e-statements at all. Additionally, you state that you were charged $in late fees and finance charges due to this matter and you are requesting to have the late fees and finance charges removed. We apologize for any inconvenience or frustration that this matter may have caused you. I attempted to contact you by telephone on April 7, 2015, to discuss your concerns; however, my attempt was unsuccessful We have enclosed copies of your December through March monthly billing statements, for your review. Our records indicate that your dressbarn account was registered with our Account Center, which provides accountholders the ability to view statements and make payments online, on June 6, 2012. On July 3, 2014, you selected to receive paperless statements through Account Center. Billing statements have been sent to the email address listed on your account, ***. We have no record of the statement notifications being returned as undeliverable; however, we understand that you state you did not receive them. Please understand that Comenity Bank does not have the ability to enroll customers into paperless statements; this option can only be chosen by the customer via Account Center. Additionally, should an account that is enrolled in paperless statements become two billing periods past due, a paper statement will also be issued. Please be advised that the paperless statement option on your dressbarn account was cancelled on April 10, 2015. Your next statement will be issued on April 15, 2015, and will arrive via the United States Postal Service to your address listed above. If you would like to again receive paperless statements, you may select that option on Account Center. Please add the following addresses to your contact list to ensure our statement notifications are not sent to your spam or junk mail folder: *** and *** In the interest of customer service, we have issued credits in the amount of $to remove the late fees and finance charges which were previously assessed. The credits posted to your account on April 7, 2015. Additionally, we have sent notification to the national credit-reporting agencies to remove the delinquencies that were reported with regard to this issue. Please allow days for these agencies to update their records. We hope you find this information helpful. If you have any questions, or need additional assistance with your account, please do not hesitate to contact me directly at ###-###-####, or ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
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 Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues HSN credit cards. We are here to answer your questions and assist with your concerns We understand from your
complaint that you made FlexPay purchases at HSN, and Comenity Capital Bank has placed your account in collections and has not credited your payments. You state you spoke to the Bank several times to clear this situation up. You state you have completed all of your payments; however, the Bank says you still owe $110.00. You are requesting your account be taken out of collections and have your payments acknowledged. We apologize for the inconvenience this matter may have caused you Please note that Comenity Capital Bank and HSN are two separate entities. The Bank issues and is responsible for addressing questions related to the HSN credit card account HSN is responsible for handling matters related to sales, merchandise processing, returns, shipping, and FlexPay payment plans HSN offers FlexPay payment plans, which allows you to get your purchase right away without having to pay the full amount upfront. With FlexPay, billing is split into multiple, smaller payments, over two or more months. Comenity Capital Bank’s only involvement in FlexPay payment plans is to process the charges if the purchase was billed to the HSN credit card account Our records indicate the HSN account was charged on September 17, 2016, for $43.59, FlexPay payment one of five, for the Tufftech Luggage. On October 17, 2016, your account was charged for payment two of five for an amount of $31.99. Per HSN, your remaining FlexPay payments were changed from the HSN credit card to an American Express account On December 2, 2016, a payment of $was applied to your HSN account. The Bank has no record of any other payments being made to your account. As no further payments were received by the due date, late fees and finance charges were assessed to the account, in accordance with the Credit Card Agreement As a one-time courtesy, we have removed the previously assessed late fees and finance charges in the amount of $59.95. The current account balance on your account is $ For assistance with the remaining FlexPay payments, we suggest you contact HSN 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, Ashley H***
Dear Ms***We received your complaint, addressed to the Batter Business Bureau, regarding the accountreferenced aboveCamenity Bank Issues Woman Within credit card accounts, and we are hereto assist you with all account-related questions or concernsI appreciate the opportunity torespond to
your concerns.We understand from your complaint that you believe you paid yQUr balance offWe haveresearched your account, and are happy to provide you with our resolution.Please keep in mind when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement.Please be advised, in the interest of customer service, the Bank issued credits to your accountto remove the previously assessed late fees and finance chargesThese credits have postedand brought the account balance to zero.Please be assured, notification has been sent to the national credit-reporting agencies withinstructions to remove the negative payment information that was reported In March and April2025, regarding the Woman Within account, from your credlt bureau reportPlease allow thecredit-reporting agencies days to update their records.We sincerely apologize for the frustration and inconvenience this matter may have caused you.Should you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,*** *** Consumer Relations Specialist
Dear *** ***:We received your complaint, submitted to the Revdex.com, regarding the above referencedaccountAs the bank that issues VICTORIA’S SECRET credit card accounts, we arehere to assist you with account-related questionsYour complaint was forwarded to my attention,and I
appreciate the opportunity to respond to your concerns.Your complaint states that you made attempts to pay your balance of $359.00, and the storeclaims your account is closed and sent to collectionsHowever, when you call the collectioncompany, they claim there is no recordYou would like to make two payments, $each,two weeks apart to satisfy the balance, or possibly paying in full, dependent upon when this isresolved.We apologize for any confusion this situation may have caused youPlease be assured that afterreview of the account, our records indicate your *** account was permanently closed onNovember 15, 2015, and the balance of $was written off for non-paymentOn November19, 2016, the account was purchased by another lender.There is no record that you spoke to Comenity Bank’s collection department regarding thisaccountPlease be aware that Comenity Bank no longer has ownership of the *** account.For account questions and/or payment discussion, you would need to call *** ***Group at ###-###-####.We hope this information is helpfulPlease refer to the above number for further questionsregarding the account.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Better Business
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***
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 *** ***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***
Please see the attachment
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
*** *** 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 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 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*** *** ***
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 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 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 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, *** ***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
Regards,
*** ***
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 *** ***: We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues dressbarn 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 that you received a telephone call from Comenity Bank, requesting a payment as the account was four billing periods past due. You further state that since you selected paperless statements, you have not received any e-statements at all. Additionally, you state that you were charged $in late fees and finance charges due to this matter and you are requesting to have the late fees and finance charges removed. We apologize for any inconvenience or frustration that this matter may have caused you. I attempted to contact you by telephone on April 7, 2015, to discuss your concerns; however, my attempt was unsuccessful We have enclosed copies of your December through March monthly billing statements, for your review. Our records indicate that your dressbarn account was registered with our Account Center, which provides accountholders the ability to view statements and make payments online, on June 6, 2012. On July 3, 2014, you selected to receive paperless statements through Account Center. Billing statements have been sent to the email address listed on your account, ***. We have no record of the statement notifications being returned as undeliverable; however, we understand that you state you did not receive them. Please understand that Comenity Bank does not have the ability to enroll customers into paperless statements; this option can only be chosen by the customer via Account Center. Additionally, should an account that is enrolled in paperless statements become two billing periods past due, a paper statement will also be issued. Please be advised that the paperless statement option on your dressbarn account was cancelled on April 10, 2015. Your next statement will be issued on April 15, 2015, and will arrive via the United States Postal Service to your address listed above. If you would like to again receive paperless statements, you may select that option on Account Center. Please add the following addresses to your contact list to ensure our statement notifications are not sent to your spam or junk mail folder: *** and *** In the interest of customer service, we have issued credits in the amount of $to remove the late fees and finance charges which were previously assessed. The credits posted to your account on April 7, 2015. Additionally, we have sent notification to the national credit-reporting agencies to remove the delinquencies that were reported with regard to this issue. Please allow days for these agencies to update their records. We hope you find this information helpful. If you have any questions, or need additional assistance with your account, please do not hesitate to contact me directly at ###-###-####, or ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
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 Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues HSN credit cards. We are here to answer your questions and assist with your concerns We understand from your
complaint that you made FlexPay purchases at HSN, and Comenity Capital Bank has placed your account in collections and has not credited your payments. You state you spoke to the Bank several times to clear this situation up. You state you have completed all of your payments; however, the Bank says you still owe $110.00. You are requesting your account be taken out of collections and have your payments acknowledged. We apologize for the inconvenience this matter may have caused you Please note that Comenity Capital Bank and HSN are two separate entities. The Bank issues and is responsible for addressing questions related to the HSN credit card account HSN is responsible for handling matters related to sales, merchandise processing, returns, shipping, and FlexPay payment plans HSN offers FlexPay payment plans, which allows you to get your purchase right away without having to pay the full amount upfront. With FlexPay, billing is split into multiple, smaller payments, over two or more months. Comenity Capital Bank’s only involvement in FlexPay payment plans is to process the charges if the purchase was billed to the HSN credit card account Our records indicate the HSN account was charged on September 17, 2016, for $43.59, FlexPay payment one of five, for the Tufftech Luggage. On October 17, 2016, your account was charged for payment two of five for an amount of $31.99. Per HSN, your remaining FlexPay payments were changed from the HSN credit card to an American Express account On December 2, 2016, a payment of $was applied to your HSN account. The Bank has no record of any other payments being made to your account. As no further payments were received by the due date, late fees and finance charges were assessed to the account, in accordance with the Credit Card Agreement As a one-time courtesy, we have removed the previously assessed late fees and finance charges in the amount of $59.95. The current account balance on your account is $ For assistance with the remaining FlexPay payments, we suggest you contact HSN 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, Ashley H***
Dear Ms***We received your complaint, addressed to the Batter Business Bureau, regarding the accountreferenced aboveCamenity Bank Issues Woman Within credit card accounts, and we are hereto assist you with all account-related questions or concernsI appreciate the opportunity torespond to
your concerns.We understand from your complaint that you believe you paid yQUr balance offWe haveresearched your account, and are happy to provide you with our resolution.Please keep in mind when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement.Please be advised, in the interest of customer service, the Bank issued credits to your accountto remove the previously assessed late fees and finance chargesThese credits have postedand brought the account balance to zero.Please be assured, notification has been sent to the national credit-reporting agencies withinstructions to remove the negative payment information that was reported In March and April2025, regarding the Woman Within account, from your credlt bureau reportPlease allow thecredit-reporting agencies days to update their records.We sincerely apologize for the frustration and inconvenience this matter may have caused you.Should you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,*** *** Consumer Relations Specialist
Dear *** ***:We received your complaint, submitted to the Revdex.com, regarding the above referencedaccountAs the bank that issues VICTORIA’S SECRET credit card accounts, we arehere to assist you with account-related questionsYour complaint was forwarded to my attention,and I
appreciate the opportunity to respond to your concerns.Your complaint states that you made attempts to pay your balance of $359.00, and the storeclaims your account is closed and sent to collectionsHowever, when you call the collectioncompany, they claim there is no recordYou would like to make two payments, $each,two weeks apart to satisfy the balance, or possibly paying in full, dependent upon when this isresolved.We apologize for any confusion this situation may have caused youPlease be assured that afterreview of the account, our records indicate your *** account was permanently closed onNovember 15, 2015, and the balance of $was written off for non-paymentOn November19, 2016, the account was purchased by another lender.There is no record that you spoke to Comenity Bank’s collection department regarding thisaccountPlease be aware that Comenity Bank no longer has ownership of the *** account.For account questions and/or payment discussion, you would need to call *** ***Group at ###-###-####.We hope this information is helpfulPlease refer to the above number for further questionsregarding the account.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Better Business