Dear Ms*** We are in receipt of your complaint regarding the above-referenced account.Comenity Bank issues NEW YORK & COMPANY credit card accounts, and we respond to all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint you purchased items from NEW YORK & COMPANY, utilizing your Comenity Bank credit cardYou advise, you returned the merchandise and provide NEW YORK & COMPANY tracking number (95***84531300133), as confirmation the merchandise had been receivedUnfortunately, you never notice the credit from your returnYou state, you opened a dispute which initiated a provisional credit, however, on October 28, 2015, the provisional credit was reversed, and the original purchased amounts, were listed back onto your credit card account. You advise the items returned were: Studded Argyle Cardigan in Cherry Blossom - $32.97Split Neck Top in Paperwhite - $22.17Chelsea Cardigan in True Burgundy - $23.97 You are seeking a full refund totaling $79.11, for credits not received from merchandise returnWe apologize for any frustration or inconvenience this matter may have caused youPlease understand that Comenity Bank and NEW YORK & COMPANY are two separate entitiesThe Bank is responsible for addressing questions related to the credit card account, while NEW YORK & COMPANY is responsible for handling matters related to sales, returns and merchandise processing. Please note, Comenity Bank reached out to NEW YORK & COMPANY, and have completed a thorough investigation into your NEW YORK & COMPANY credit card account, and would like to share NEW YORK & COMPANYS response. Under further review, it appears NEW YORK & COMPANY refunded items *** totaling $23.97, and *** totaling $on November 17, 2015, which provided you with a credit of $on your credit card accountHowever, records indicate you still owed $for item Please note, NEW YORK & COMPANY states, they did not receive a request for a refund for item *** totaling $32.97; however, in the interest of customer service, NEW YORK & COMPANY will refund $32.97, as well as the item for $totaling $in creditsPlease note, a refund is being issued by NEW YORK & COMPANY, if you have not received your refund within two weeks, please contact them directly. Should you have any further questions regarding the account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Geanine M***
Thank you for contacting the Revdex.com, on behalf of *** ***, regarding the above-referenced matter. Comenity Bank issues multiple 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.We understand from your complaint that your husband received a telephone call during the week of October 9, 2016, from a Bank representative asking for payment. You are stating that he advised the representative that he would speak with you before making the payment, and then call the Bank back. On October 18, 2016, after reviewing your checking account, you noticed that a total of $in payments were processed, which you are stating were not authorized. You then spoke with the Bank and explained the situation, and asked your personal bank to dispute these payments. You spoke with a Bank representative who stated that they would need to listen to the telephone conversation, and would call you the next day, but you are stating she did not call. You are requesting to have the accounts closed, no further contact, and a refund of $260.00.Please be advised that no payments totaling $were processed to your accounts. The Bank is unable to provide account information unless the request is made by the primary accountholder. As such, a separate response addressing the concerns listed in your complaint will be sent directly to the MrJones. If you would like to close your accounts, please contact me at the number below. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Amanda R**Consumer Relations Specialist
Dear Ms***Thank you for contacting Comenity BankAs the bank that issues VICTORIA’S SECRET creditcard accounts, we are here to answer account-related questionsYour complaint, submitted tothe Revdex.com, was forwarded to my attention for reviewI appreciate theopportunity to
assist you.We understand from your complaint that you opened a VICTORIA’S SECRET account and wereto receive the credit card, coupon book, and a $off couponAfter two weeks of waitingand not receiving the materials, you contacted the BankYou were told to wait another weekand call backAgain, after not receiving the materials you contacted us and were advised thatthe card would be cancelled and reissued, as well as the coupon book and the $offer.Additionally, you were advised that you would receive a $coupon as an apologyYoureceived the credit card; however, you did not receive any of the other offers notedAfter amonth of running in circles, you feel that your complaints are not being read and you are owedwhat was promised to youYou would like the Bank to mail the coupon book and both, the$and $offers, as well as any other materials you have not receivedYou are alsoasking for a formal apology for having to waste so much time on this matter with no resolution.Please be assured that we reviewed your VICTORIA’S SECRET account and we are happy toexplain our findings.Our records indicate that you opened the account on February 22, 2016, using the address ofConner Terrace, Port Charlotte, Florida The Welcome Kit was sent to thisaddress, which resulted in the return of the Welcome Kit by the post office on March 17, 2016.On February 25, 2016, you updated the address to the one listed on the complaint via theBank’s online Account Center.We reviewed the Account Center messages and telephone calls regarding this matterOurfindings conclude that you were provided with incorrect details of the account, and you wereprovided with incorrect information when you were referred to the catalogue division to inquireabout missing itemsPlease be assured that Comenity Bank strives to provide world-classservice, and we sincerely apologize for the experience that resulted from this matterWe havetaken steps to coach our associatesIt is never our intention to cause a customer a hardship.On March 15, 2016, the account was transferred to a new number as lost/stolen and a card wasreissuedAdditionally, the Little Book of Offers and a $coupon were requested to be sentto youWe understand that you received the new credit card; however, you did not receive thecoupon replacementsWe found that the replacements did not mail most likely due to thetransfer of the account and the return of the original Welcome Kit. As a token of our apology, I have issued credits to your accountPlease review your statementfor a $and $credit, to refund you for the apology coupon and the new accountcoupon you were to receiveAdditionally, I issued a separate credit for $as a courtesy foryour inconvenienceFurthermore, on April I requested the Little Book of Offers and theCredit Card Agreement be resent to youThese should be received separately, at the correctaddress in 7-business dayYou are a valued customer and I hope this information has beenhelpfulIf 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,Shawnda Y***
Dear Ms*** We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT 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 concernsWe understand from your complaint that you made a payment of $on the above-referenced account. You also state after receiving your next statement you received a $late fee. Additionally, you state that you called the Bank inquiring about the late fee and were informed that the minimum payment was $short. You are requesting that the fee is removed from your account. I am happy to share my findings with youAfter a thorough review of the account, our records indicate that a statement was issued to you on June 2, 2016, with a minimum payment of $due on June 28, 2016. A payment of $was received on June 24, 2016. As this was not the full minimum due a late fee was assessed to the accountPlease 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 AgreementAlthough we found no Bank error, as a one-time courtesy a credit of $was issued to your account. Please be advised that there will be no additional late fees credited to the account for months. Please allow to billing statements to see this credit. We hope you find this information helpful. If you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely, Renee S***
Dear Michael Moore: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the RediCard+ Visa Signature credit cardWe are here to answer your questions and assist with your concernsWe understand your concerns regarding identity theft,
and that you are receiving calls regarding this debtWe apologize for any frustration or inconvenience this situation may have caused youA RediCard+ Visa Signature account was opened in your name on October 10, Our Account Protection (Fraud) Team attempted to contact you with regard to the account and activity on November 10, 2016, at the telephone number listed in your complaint; however, their attempt was unsuccessfulPlease contact our Account Protection (Fraud) Team at ###-###-#### as soon as possible for assistance in filing a fraud claim and having this account permanently closed Please be assured that a “do not call” status has been placed on the telephone number ending in ***. I hope you found this information to be helpfulShould you have any additional questions or concerns, please contact our Account Protection Team at ###-###-####. Sincerely, Renee S***
Dear Mr*** We received your complaint from the Revdex.com, regarding the above-referenced account. Comenity Bank issues VICTORIA’S SECRET credit card 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 the bill was paid in full with the Bank after paying for three months, in the amount of $735.00, and we will not delete the debt from your credit reportYou have also indicated that you were out of the country at the time the mail order purchase was made and sent to a wrong address. I have enclosed a copy of the account Credit Card Agreement (CCA), as well as copies of your billing statements which show the account activity that comprised the account balance and delinquencies which are reporting to the credit bureausPlease find a summary of your VICTORIA’S SECRET account below. Your VICTORIA’S SECRET account was opened February 3, 2015; use of the account or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and feesThe last purchase of $was made on August 9, 2015, and your last payment of $was received on May 31, Your account was written off on March 11, 2016, with an unpaid balance of $735.61. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityAt this time, the Bank finds that all credit bureaus are reporting the account as “paid in full, was a charge off”, with the exception of EquifaxEquifax was not reporting the account as paidPlease be assured that we have sent notification to Equifax with instructions to update this informationPlease allow calendar days for this adjustment to be made. As for deleting the account, in its entirety, from your credit report, please be advised that delinquent accounts typically will report for seven years from the date the account first became delinquentAs such, we are unwilling to delete the account from your credit report. The Bank also updated the account address to include the suite number that you included in this complaint. In addition, please note that Comenity Bank and Victoria’s Secret are separate entitiesThe Bank is responsible for addressing questions related to your credit card accountVictoria’s Secret is responsible for handling matters related to sales, merchandise processing, returns and shipping. We hope this information is helpfulIf you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y***
The response was just a holding responseThey state they are investigating the matter but it may take days for them to complete the investigationTherefore I must reserve judgement until I receive their response in days time
Regards,
*** ***
Dear *** ** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the NY&C Rewards credit card accountsWe are here to answer your questions and assist with your concerns.Your complaint states that you attempted to make a payment
in February 2017; however, you received an error messageYou further state that you were charged a late fee, which you are requesting a credit for, as you have a screen shot showing there was an issue while making your payment onlineYou also state that you spoke with a representative and were treated rudely and request that the call be reviewedI understand your concerns, and apologize for any confusion or frustration this may have caused you.We apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met.Bank records indicate that on February 2, 2017, a statement for your NY&C Rewards credit card account was issued to you showing a balance of $with a minimum payment of $due by February 28, Our records indicate that you logged online on February 25, 2017; however, no payment was scheduledThe Bank did receive a payment of $on March 1, As a result of a payment not being received by the due date, a late fee was assessed to your account.Bank records further indicate that your account has already received a courtesy late fee credit and is not eligible for an additional late fee creditComenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid.To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:p.m.Eastern Time (ET) will be credited to your account on the same day, unless you select a date inthe futureOnline payments submitted after 8:p.mET will be credited the following day (or ona future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing up to days for the payment to arriveIf you’re a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possiblePlease review the payments section on the back of yourstatement for additional information.Phone: If you need to make a same-day payment, you may call us at the phone number on theback of your billing statement before 8:p.mET to speak to a customer care representativeAfee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.I hope you found this information to be helpfulIf you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jenny W***
Dear Ms*** We received your additional complaint, addressed to the Revdex.com, regarding your MANDEE credit card accountComenity Bank issues MANDEE credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We understand your concerns regarding the reporting of your MANDEE account to the credit-reporting agenciesYou state that you contacted Customer Care on April 1, 2016, and were advised to send a letter requesting to have the account removed from your credit reportYou further state that the account was removed from your Transunion report in May of 2015, but not from Experian and EquifaxYou are requesting that the account be removed from all credit-reporting agenciesWe apologize for any frustration or confusion this matter may have caused you. After a review of the account and the credit-reporting, we find that the MANDEE account should currently be reporting to all credit-reporting agenciesPlease be advised that the Bank reports the same information to each of the national credit-reporting agencies, and we did not advise Transunion to remove the accountAs a result of our investigation, notification has been sent to Transunion with instructions to add the account to your credit reportPlease allow the credit-reporting agency days to update their records. Please be advised that when reporting to the credit-reporting agencies, the Bank provides the entire account number. However, the credit-reporting agencies have the option and ability to not display the entire numberThe eight digits you provided were part of the account number, not the entire account number. As advised in our previous correspondence, we find the account to be valid; as such, it will be reported to each of the national credit-reporting agenciesFurthermore, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activityThe date of last activity on the above-referenced account is May 22, 2009. We hope you find this information to be helpfulShould you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Diamond L***
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 *** *** 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 Miss ***: We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues RH credit card accounts, and we respond to account-related questions. Your complaint was forwarded to my attention, and
I appreciate the opportunity to respond to your concerns We understand from your complaint that you are being charged $for merchandise that was returned on June 6, 2015. You state you made two purchases for $and both orders were returned. One credit for $has been given; however, the second return for $has not been credited. You state you have disputed this amount several times and have been advised that RH records state that credit has been issued; however, you continue to be billed for the returned items in the amount of $858.00. I apologize for any inconvenience this matter may have caused you We have contacted RH directly on your behalf regarding the outstanding amount of $858.00. Please be advised that credit for $and $1,was issued to your account on June 8, 2016. With these credits the balance on your account is $2, 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***
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 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 Ms***Thank you for your recent complaint regarding the account noted aboveComenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcernsYour complaint, addressed to the Revdex.com, was forwarded to myattention and
appreciate the opportunity to assist you.I understand from your complaint that white you were trying to utilize your Lane Brant Retailcredit card to make a purchase, you were told that your Lane Bryant Retail credit card accountwas closedYou contacted Comenity Bank and spoke with representatives from our AccountProtection, and Customer Care teams; whom, you felt were very rude and disrespectful.You also state that you were informed that a phone call and a written correspondence werereceived from you informing Comenity Bank to close your Lane Bryant Retail credit cardaccountYou explained to both parties that the information did not come from you, but you feltas though you were not being heardYou were then told by our representatives that youraccount was closed, and you would have to re-apply for a new Lane Bryant Retail credit card.Per your complaint, you express that you felt extremely violated and disrespectedYou wouldlike this situation to never occur againYou are requesting a copy of the letter that was receivedrequesting the account closed, and in the future, you ask that the Bank contact you when aparty is requesting closure of your accountAdditionally, you would like compensation for thetrouble you have endured.The Bank has reviewed the concerns in your complaint, as well as the applicable phoneconversationsWe apologize if you felt that you did not receive the best customer serviceIt isnever the Bank's intention to treat our customers in a less-than-satisfactory mannerComenityBank is committed to providing the best customer service and is disappointed when a customerfeels that this standard was not met.Please be advised that it is not the policy of the Bank to contact a customer when a writtenrequest to dose an account has been received.Comenity Bank would like to extend an apology for the frustration and inconvenience you haveendured as a result of this matterPlease be assured, Comenity Bank completed a thoroughinvestigation into your account, and Bank records indicate that on April 24, 5, Equifax credit-reporting agency, received automated consumer dispute verification from Rosie MMilesadvising that the Lane Bryant Retail credit card account ending in was fraudulently openedwith claims of true identity fraudDue to this claim, and in the interest of protecting thecustomer as well as the account, the Lane Bryant Retail credit card account was closed.Please note, Comenity Bank is unable to provide you with a copy of the dispute submitted toEquifaxIf you would like to request this information, please contact Equifax directly at:Eq u ifaxPO Box 740241Atlanta, GA 30374-0241###-###-####We apologize that a letter was not issued in reference to the closure of your accountComenityBank issues a letter by request; however, please be assured that we have reopened youraccountAlso, we apologize; however, we respectfully decline your request for compensation.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 will be happy to assist you.Sincerely,Geanine M*** *** ***
Like I filed previously, I HAVE SET UP A PAYMENT PLAN WITH THIS BANK!!!!! I wish to no longer be harassed by telephone by them!! I'm getting numerous calls a day from them and they are also calling as a private number which is shady and irritating! If they want to reach me like I have told them previously they can EMAIL ME!!! I was told they wouldNote my account of this and still recieved callsToday!Stop calling me
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me.I also wish to thank Revdex.com for its facilitation of the matter, without which my credit worthiness would remain damaged for a long time
In the interest of fairness, the major blame should be apportioned to JCREWI opened the account with them, I made payment to them (in full), and they returned the payment one month after receipt without (1) advising their partner (Comenity) of the transaction, and (2) without advising me why the payment was returned and that it should, instead, be sent to their partner and not themThis was an intervention point for amicable resolution which was missed.The above said, Comenity Bank is not without some blameWhen I contacted them (after highlighting the problem with JCREW and they providing me with Comenity's contact number), they showed no interest in my explanation that the payment was made to JCREWThey just wanted to know if I will pay now, now online, which I did under the conditions they could not take any levied interest from my account and they cannot report any negative information to the credit bureaus, they agreed but did the latterThis was also another intervention point to resolve the issue amicably - ask me to provide proof that I paid Regards,
*** ***
Dear R*** ***:Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenityCapital Bank issues the HSN credit cardWe are here to answer your questions and assist with your concerns.In your correspondence, you state that a payment was returned in
errorYou mailed in your bank statement, a letterfrom your bank, and you’ve made several phone calls to attempt to resolve the issueThe Bank is stating that there isnot enough information to investigate your case and is holding you responsible for the payment and feesYou alsomention that you do not receive your statements in a timely mannerYou are requesting that the Bank credits backyour returned payment, return fees and late fees.After careful review of our records, we show that you sent in your bank statement; however, the transaction details aremissing between June 5, 2017, and June 13, In order to properly investigate the returned payment, we requirethe full bank statement informationAttached, please find a copy of the bank statement we received with your request.Once we receive the full bank statement including the above-noted dates, we will be able to continue with theinvestigation.Please be advised, your due date is the 17th of every monthYou have signed up to receive your statement notificationsvia e-mailA paper statement is not mailed to your home addressFor your convenience, you can view your statementsonline at any time.While you have a dispute on your HSN credit card account, it is suggested that you still make your minimum monthlypayments by the due date to avoid late feesPlease keep in mind that when there is a balance on an account andpayments are not received, are received after the due date, or are made for less than the minimum required, theaccount will be assessed a late fee, as explained in the Credit Card Agreement.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contactme at ###-###-####.Sincerely,Nicole F**
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Dear Ms*** We are in receipt of your complaint regarding the above-referenced account.Comenity Bank issues NEW YORK & COMPANY credit card accounts, and we respond to all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint you purchased items from NEW YORK & COMPANY, utilizing your Comenity Bank credit cardYou advise, you returned the merchandise and provide NEW YORK & COMPANY tracking number (95***84531300133), as confirmation the merchandise had been receivedUnfortunately, you never notice the credit from your returnYou state, you opened a dispute which initiated a provisional credit, however, on October 28, 2015, the provisional credit was reversed, and the original purchased amounts, were listed back onto your credit card account. You advise the items returned were: Studded Argyle Cardigan in Cherry Blossom - $32.97Split Neck Top in Paperwhite - $22.17Chelsea Cardigan in True Burgundy - $23.97 You are seeking a full refund totaling $79.11, for credits not received from merchandise returnWe apologize for any frustration or inconvenience this matter may have caused youPlease understand that Comenity Bank and NEW YORK & COMPANY are two separate entitiesThe Bank is responsible for addressing questions related to the credit card account, while NEW YORK & COMPANY is responsible for handling matters related to sales, returns and merchandise processing. Please note, Comenity Bank reached out to NEW YORK & COMPANY, and have completed a thorough investigation into your NEW YORK & COMPANY credit card account, and would like to share NEW YORK & COMPANYS response. Under further review, it appears NEW YORK & COMPANY refunded items *** totaling $23.97, and *** totaling $on November 17, 2015, which provided you with a credit of $on your credit card accountHowever, records indicate you still owed $for item Please note, NEW YORK & COMPANY states, they did not receive a request for a refund for item *** totaling $32.97; however, in the interest of customer service, NEW YORK & COMPANY will refund $32.97, as well as the item for $totaling $in creditsPlease note, a refund is being issued by NEW YORK & COMPANY, if you have not received your refund within two weeks, please contact them directly. Should you have any further questions regarding the account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Geanine M***
Thank you for contacting the Revdex.com, on behalf of *** ***, regarding the above-referenced matter. Comenity Bank issues multiple 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.We understand from your complaint that your husband received a telephone call during the week of October 9, 2016, from a Bank representative asking for payment. You are stating that he advised the representative that he would speak with you before making the payment, and then call the Bank back. On October 18, 2016, after reviewing your checking account, you noticed that a total of $in payments were processed, which you are stating were not authorized. You then spoke with the Bank and explained the situation, and asked your personal bank to dispute these payments. You spoke with a Bank representative who stated that they would need to listen to the telephone conversation, and would call you the next day, but you are stating she did not call. You are requesting to have the accounts closed, no further contact, and a refund of $260.00.Please be advised that no payments totaling $were processed to your accounts. The Bank is unable to provide account information unless the request is made by the primary accountholder. As such, a separate response addressing the concerns listed in your complaint will be sent directly to the MrJones. If you would like to close your accounts, please contact me at the number below. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Amanda R**Consumer Relations Specialist
Dear Ms***Thank you for contacting Comenity BankAs the bank that issues VICTORIA’S SECRET creditcard accounts, we are here to answer account-related questionsYour complaint, submitted tothe Revdex.com, was forwarded to my attention for reviewI appreciate theopportunity to
assist you.We understand from your complaint that you opened a VICTORIA’S SECRET account and wereto receive the credit card, coupon book, and a $off couponAfter two weeks of waitingand not receiving the materials, you contacted the BankYou were told to wait another weekand call backAgain, after not receiving the materials you contacted us and were advised thatthe card would be cancelled and reissued, as well as the coupon book and the $offer.Additionally, you were advised that you would receive a $coupon as an apologyYoureceived the credit card; however, you did not receive any of the other offers notedAfter amonth of running in circles, you feel that your complaints are not being read and you are owedwhat was promised to youYou would like the Bank to mail the coupon book and both, the$and $offers, as well as any other materials you have not receivedYou are alsoasking for a formal apology for having to waste so much time on this matter with no resolution.Please be assured that we reviewed your VICTORIA’S SECRET account and we are happy toexplain our findings.Our records indicate that you opened the account on February 22, 2016, using the address ofConner Terrace, Port Charlotte, Florida The Welcome Kit was sent to thisaddress, which resulted in the return of the Welcome Kit by the post office on March 17, 2016.On February 25, 2016, you updated the address to the one listed on the complaint via theBank’s online Account Center.We reviewed the Account Center messages and telephone calls regarding this matterOurfindings conclude that you were provided with incorrect details of the account, and you wereprovided with incorrect information when you were referred to the catalogue division to inquireabout missing itemsPlease be assured that Comenity Bank strives to provide world-classservice, and we sincerely apologize for the experience that resulted from this matterWe havetaken steps to coach our associatesIt is never our intention to cause a customer a hardship.On March 15, 2016, the account was transferred to a new number as lost/stolen and a card wasreissuedAdditionally, the Little Book of Offers and a $coupon were requested to be sentto youWe understand that you received the new credit card; however, you did not receive thecoupon replacementsWe found that the replacements did not mail most likely due to thetransfer of the account and the return of the original Welcome Kit. As a token of our apology, I have issued credits to your accountPlease review your statementfor a $and $credit, to refund you for the apology coupon and the new accountcoupon you were to receiveAdditionally, I issued a separate credit for $as a courtesy foryour inconvenienceFurthermore, on April I requested the Little Book of Offers and theCredit Card Agreement be resent to youThese should be received separately, at the correctaddress in 7-business dayYou are a valued customer and I hope this information has beenhelpfulIf 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,Shawnda Y***
Dear Ms*** We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT 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 concernsWe understand from your complaint that you made a payment of $on the above-referenced account. You also state after receiving your next statement you received a $late fee. Additionally, you state that you called the Bank inquiring about the late fee and were informed that the minimum payment was $short. You are requesting that the fee is removed from your account. I am happy to share my findings with youAfter a thorough review of the account, our records indicate that a statement was issued to you on June 2, 2016, with a minimum payment of $due on June 28, 2016. A payment of $was received on June 24, 2016. As this was not the full minimum due a late fee was assessed to the accountPlease 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 AgreementAlthough we found no Bank error, as a one-time courtesy a credit of $was issued to your account. Please be advised that there will be no additional late fees credited to the account for months. Please allow to billing statements to see this credit. We hope you find this information helpful. If you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely, Renee S***
Dear Michael Moore: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the RediCard+ Visa Signature credit cardWe are here to answer your questions and assist with your concernsWe understand your concerns regarding identity theft,
and that you are receiving calls regarding this debtWe apologize for any frustration or inconvenience this situation may have caused youA RediCard+ Visa Signature account was opened in your name on October 10, Our Account Protection (Fraud) Team attempted to contact you with regard to the account and activity on November 10, 2016, at the telephone number listed in your complaint; however, their attempt was unsuccessfulPlease contact our Account Protection (Fraud) Team at ###-###-#### as soon as possible for assistance in filing a fraud claim and having this account permanently closed Please be assured that a “do not call” status has been placed on the telephone number ending in ***. I hope you found this information to be helpfulShould you have any additional questions or concerns, please contact our Account Protection Team at ###-###-####. Sincerely, Renee S***
Consumer contacted Revdex.com via phone call and stated the matter has been resolved to his satisfaction
Dear Mr*** We received your complaint from the Revdex.com, regarding the above-referenced account. Comenity Bank issues VICTORIA’S SECRET credit card 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 the bill was paid in full with the Bank after paying for three months, in the amount of $735.00, and we will not delete the debt from your credit reportYou have also indicated that you were out of the country at the time the mail order purchase was made and sent to a wrong address. I have enclosed a copy of the account Credit Card Agreement (CCA), as well as copies of your billing statements which show the account activity that comprised the account balance and delinquencies which are reporting to the credit bureausPlease find a summary of your VICTORIA’S SECRET account below. Your VICTORIA’S SECRET account was opened February 3, 2015; use of the account or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and feesThe last purchase of $was made on August 9, 2015, and your last payment of $was received on May 31, Your account was written off on March 11, 2016, with an unpaid balance of $735.61. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityAt this time, the Bank finds that all credit bureaus are reporting the account as “paid in full, was a charge off”, with the exception of EquifaxEquifax was not reporting the account as paidPlease be assured that we have sent notification to Equifax with instructions to update this informationPlease allow calendar days for this adjustment to be made. As for deleting the account, in its entirety, from your credit report, please be advised that delinquent accounts typically will report for seven years from the date the account first became delinquentAs such, we are unwilling to delete the account from your credit report. The Bank also updated the account address to include the suite number that you included in this complaint. In addition, please note that Comenity Bank and Victoria’s Secret are separate entitiesThe Bank is responsible for addressing questions related to your credit card accountVictoria’s Secret is responsible for handling matters related to sales, merchandise processing, returns and shipping. We hope this information is helpfulIf you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y***
The response was just a holding responseThey state they are investigating the matter but it may take days for them to complete the investigationTherefore I must reserve judgement until I receive their response in days time
Regards,
*** ***
Dear *** ** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the NY&C Rewards credit card accountsWe are here to answer your questions and assist with your concerns.Your complaint states that you attempted to make a payment
in February 2017; however, you received an error messageYou further state that you were charged a late fee, which you are requesting a credit for, as you have a screen shot showing there was an issue while making your payment onlineYou also state that you spoke with a representative and were treated rudely and request that the call be reviewedI understand your concerns, and apologize for any confusion or frustration this may have caused you.We apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met.Bank records indicate that on February 2, 2017, a statement for your NY&C Rewards credit card account was issued to you showing a balance of $with a minimum payment of $due by February 28, Our records indicate that you logged online on February 25, 2017; however, no payment was scheduledThe Bank did receive a payment of $on March 1, As a result of a payment not being received by the due date, a late fee was assessed to your account.Bank records further indicate that your account has already received a courtesy late fee credit and is not eligible for an additional late fee creditComenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid.To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:p.m.Eastern Time (ET) will be credited to your account on the same day, unless you select a date inthe futureOnline payments submitted after 8:p.mET will be credited the following day (or ona future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing up to days for the payment to arriveIf you’re a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possiblePlease review the payments section on the back of yourstatement for additional information.Phone: If you need to make a same-day payment, you may call us at the phone number on theback of your billing statement before 8:p.mET to speak to a customer care representativeAfee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.I hope you found this information to be helpfulIf you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jenny W***
Dear Ms*** We received your additional complaint, addressed to the Revdex.com, regarding your MANDEE credit card accountComenity Bank issues MANDEE credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We understand your concerns regarding the reporting of your MANDEE account to the credit-reporting agenciesYou state that you contacted Customer Care on April 1, 2016, and were advised to send a letter requesting to have the account removed from your credit reportYou further state that the account was removed from your Transunion report in May of 2015, but not from Experian and EquifaxYou are requesting that the account be removed from all credit-reporting agenciesWe apologize for any frustration or confusion this matter may have caused you. After a review of the account and the credit-reporting, we find that the MANDEE account should currently be reporting to all credit-reporting agenciesPlease be advised that the Bank reports the same information to each of the national credit-reporting agencies, and we did not advise Transunion to remove the accountAs a result of our investigation, notification has been sent to Transunion with instructions to add the account to your credit reportPlease allow the credit-reporting agency days to update their records. Please be advised that when reporting to the credit-reporting agencies, the Bank provides the entire account number. However, the credit-reporting agencies have the option and ability to not display the entire numberThe eight digits you provided were part of the account number, not the entire account number. As advised in our previous correspondence, we find the account to be valid; as such, it will be reported to each of the national credit-reporting agenciesFurthermore, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activityThe date of last activity on the above-referenced account is May 22, 2009. We hope you find this information to be helpfulShould you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Diamond L***
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 *** *** 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 Miss ***: We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues RH credit card accounts, and we respond to account-related questions. Your complaint was forwarded to my attention, and
I appreciate the opportunity to respond to your concerns We understand from your complaint that you are being charged $for merchandise that was returned on June 6, 2015. You state you made two purchases for $and both orders were returned. One credit for $has been given; however, the second return for $has not been credited. You state you have disputed this amount several times and have been advised that RH records state that credit has been issued; however, you continue to be billed for the returned items in the amount of $858.00. I apologize for any inconvenience this matter may have caused you We have contacted RH directly on your behalf regarding the outstanding amount of $858.00. Please be advised that credit for $and $1,was issued to your account on June 8, 2016. With these credits the balance on your account is $2, 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***
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 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
....Please see attached response
Dear Ms***Thank you for your recent complaint regarding the account noted aboveComenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcernsYour complaint, addressed to the Revdex.com, was forwarded to myattention and
appreciate the opportunity to assist you.I understand from your complaint that white you were trying to utilize your Lane Brant Retailcredit card to make a purchase, you were told that your Lane Bryant Retail credit card accountwas closedYou contacted Comenity Bank and spoke with representatives from our AccountProtection, and Customer Care teams; whom, you felt were very rude and disrespectful.You also state that you were informed that a phone call and a written correspondence werereceived from you informing Comenity Bank to close your Lane Bryant Retail credit cardaccountYou explained to both parties that the information did not come from you, but you feltas though you were not being heardYou were then told by our representatives that youraccount was closed, and you would have to re-apply for a new Lane Bryant Retail credit card.Per your complaint, you express that you felt extremely violated and disrespectedYou wouldlike this situation to never occur againYou are requesting a copy of the letter that was receivedrequesting the account closed, and in the future, you ask that the Bank contact you when aparty is requesting closure of your accountAdditionally, you would like compensation for thetrouble you have endured.The Bank has reviewed the concerns in your complaint, as well as the applicable phoneconversationsWe apologize if you felt that you did not receive the best customer serviceIt isnever the Bank's intention to treat our customers in a less-than-satisfactory mannerComenityBank is committed to providing the best customer service and is disappointed when a customerfeels that this standard was not met.Please be advised that it is not the policy of the Bank to contact a customer when a writtenrequest to dose an account has been received.Comenity Bank would like to extend an apology for the frustration and inconvenience you haveendured as a result of this matterPlease be assured, Comenity Bank completed a thoroughinvestigation into your account, and Bank records indicate that on April 24, 5, Equifax credit-reporting agency, received automated consumer dispute verification from Rosie MMilesadvising that the Lane Bryant Retail credit card account ending in was fraudulently openedwith claims of true identity fraudDue to this claim, and in the interest of protecting thecustomer as well as the account, the Lane Bryant Retail credit card account was closed.Please note, Comenity Bank is unable to provide you with a copy of the dispute submitted toEquifaxIf you would like to request this information, please contact Equifax directly at:Eq u ifaxPO Box 740241Atlanta, GA 30374-0241###-###-####We apologize that a letter was not issued in reference to the closure of your accountComenityBank issues a letter by request; however, please be assured that we have reopened youraccountAlso, we apologize; however, we respectfully decline your request for compensation.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 will be happy to assist you.Sincerely,Geanine M*** *** ***
Like I filed previously, I HAVE SET UP A PAYMENT PLAN WITH THIS BANK!!!!! I wish to no longer be harassed by telephone by them!! I'm getting numerous calls a day from them and they are also calling as a private number which is shady and irritating! If they want to reach me like I have told them previously they can EMAIL ME!!! I was told they wouldNote my account of this and still recieved callsToday!Stop calling me
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me.I also wish to thank Revdex.com for its facilitation of the matter, without which my credit worthiness would remain damaged for a long time
In the interest of fairness, the major blame should be apportioned to JCREWI opened the account with them, I made payment to them (in full), and they returned the payment one month after receipt without (1) advising their partner (Comenity) of the transaction, and (2) without advising me why the payment was returned and that it should, instead, be sent to their partner and not themThis was an intervention point for amicable resolution which was missed.The above said, Comenity Bank is not without some blameWhen I contacted them (after highlighting the problem with JCREW and they providing me with Comenity's contact number), they showed no interest in my explanation that the payment was made to JCREWThey just wanted to know if I will pay now, now online, which I did under the conditions they could not take any levied interest from my account and they cannot report any negative information to the credit bureaus, they agreed but did the latterThis was also another intervention point to resolve the issue amicably - ask me to provide proof that I paid Regards,
*** ***
Dear R*** ***:Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenityCapital Bank issues the HSN credit cardWe are here to answer your questions and assist with your concerns.In your correspondence, you state that a payment was returned in
errorYou mailed in your bank statement, a letterfrom your bank, and you’ve made several phone calls to attempt to resolve the issueThe Bank is stating that there isnot enough information to investigate your case and is holding you responsible for the payment and feesYou alsomention that you do not receive your statements in a timely mannerYou are requesting that the Bank credits backyour returned payment, return fees and late fees.After careful review of our records, we show that you sent in your bank statement; however, the transaction details aremissing between June 5, 2017, and June 13, In order to properly investigate the returned payment, we requirethe full bank statement informationAttached, please find a copy of the bank statement we received with your request.Once we receive the full bank statement including the above-noted dates, we will be able to continue with theinvestigation.Please be advised, your due date is the 17th of every monthYou have signed up to receive your statement notificationsvia e-mailA paper statement is not mailed to your home addressFor your convenience, you can view your statementsonline at any time.While you have a dispute on your HSN credit card account, it is suggested that you still make your minimum monthlypayments by the due date to avoid late feesPlease keep in mind that when there is a balance on an account andpayments are not received, are received after the due date, or are made for less than the minimum required, theaccount will be assessed a late fee, as explained in the Credit Card Agreement.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contactme at ###-###-####.Sincerely,Nicole F**
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