Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Total Rewards Visa Credit Card credit cardWe are here to answer your questions and assist with your concerns. We understand from your complaint, submitted
to the Revdex.com, that you called the Bank to request a balance transferYou were advised that your Total Rewards Visa credit card ending in was closed due to inactivityYou were advised to open another Total Rewards Visa account and once the new credit card was activated; call the Bank and request a balance transferYou called the Bank after the card was activated and were advised that a balance transfer was not being offered at this time and to try back in April You are requesting the balance transfer be completed as you were advised during your telephone call with the Bank. We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe 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.After a thorough review of the account, our records indicate that there is no current offer for a balance transfer available, nor was there a previous offer of a balance transfer option for this account We respectfully decline to allow you to do a balance transfer at this time.Please be assured from time to time, to the Bank’s sole discretion, we may offer our customer the ability to transfer account balances from other credit card accounts to the an accountWe may, at our sole discretion, offer promotional plans for such balance transfersThis information can be found under the “using your account” section of the Credit Card Agreement.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Renee S***
On the paper I sent to you all I was a refund check and one was a bill where it had -$do not pay was common sense that they owed me that they had by it do not pay that was letting me know they owed meThey wrote payment everywhere after they seen that the new balance was -$I guess they made their self look good so I told them I don't like it when someone take from me for no reason So they could close the account the lady ask me to wait to see what are they going to do about the complaint I wrote to you all so I said OkI know I paid through the Post Office and they took my money even the person I first talked to said yes they had took more Post Office money but after I called that time they placed them back on the bill I know they took it but I threw the stubs away I had I guess they have just took thatWhy do people take from people who don't have anything? If they had asked me for $and I had it I would have given it to them to keep them from taking from me anyway
Dear *** *** *** Thank you for the recent complaint, addressed to Revdex.comComenity Bank multiple retailer credit card accounts, and we respond to account-related inquiriesYour complaint, sent on behalf of *** ***, was forwarded to my attention, and I
appreciate this opportunity to assist you. In your complaint you state that your grandmother, *** ***, has received multiple phone calls regarding her accountYou further state that the representative who called was unhelpful and would not disclose why she was callingI understand your concerns and I apologize for any frustration this may have caused you. After reviewing Ms***’s account, our records show that the account is in the name of *** *** and we do not have permission to speak to anyone else regarding her accountAs you are not the account holder, please be advised that in order to respond to you directly regarding Ms***’s account, we would need her permission to disclose account information to you. Ms*** may contact our Customer Care department at ###-###-#### to have her account noted that we are able to speak to you regarding her account. Additionally, we have sent a direct response to Ms*** regarding the account details. We hope that this information is helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
Dear Ms***: We received your complalnt, addressed to the Revdex.com, regarding the account referenced aboveComenity Bank issues Roaman'scredit card accounts, and we are here to assist you with all account-related questionsI appreciate the opportunity to respond to your
concernsWe understand from your complaint that you state your interest rate was 24.99%, but in January of it was Increased to 26.99% You now believe we are charging you two finance charges on your billYou would like your account adjusted to remove the additional finance charges and reduce your account to a 24.99% interest rateComenity Bank mailed you a Change In Terms notice regarding changes to your account December 24, This notice detailed that the Annual Percentage Rate (APR) and that the minimum interest charge would be changingThis change took effect April 2, We have enclosed a copy of this notice for your recordsAdditionally, you were notified, in the Change In Terms notice, that you had the right to reject these changes by closing your accountThis request would have needed to be made by April 1, As you did not contact us to close the account before April 2015, we are unwilling to lower your APR to 24.99%, or credit any interest charges to the accountWe offer the option to pay the balance in full monthly to avoid paying finance charges on your balanceOur Annual Percentage Rate (APR) for the Roaman's credit card account is now 26.99%, for any purchases made afler April 2, Also, please keep in mind that the cost of billing accounts, mailing statements and answering account-related inquiries is the same whether billing a small or large account balance Our low balance averages necessitate our charging a higher rate on the balances to cover these costsWe apologize for the frustration and inconvenience this matter may have caused youShould you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY###-###-####)I would be happy to assist youSincerely, Amanda R**
Maybe my complaint is with Simply Be - which can never be reached unless making purchase? Straight to ComenityI'm thinking not Comenity bank, but Simply be Co- when corresponding one and the same??article a prpanty - fully pdlong ago.I've called them several times to resolve the fact I owe nothing to "Simply Be: which Comenity Bank handles billingAlso called Simply Be or 8X - these turn me over to Bank, The thing is Comenity also handles *** *** an other CoWhich I received several raises in creditSimply Be is Not reachableThank you, *** ***
Hello,Thank you for your inquiry. Your *** *** ** ***We will reply to your email providing an update and/or resolution of your issue. Please understand that it may take 2-business days to resolve the issue.Please reply to this email with any additional
questions related to your inquiry.Sincerely,Consumer Support Group
“Comenity claims a billing statement was issued in August, September, October, and NovemberI never received any billing statements from Comenity in these months, thinking this was because I had no balance on my account as I had paid it in-full on 07/29/I was unaware of any issues with my account until I tried to use my Lane Bryant charge card in the store in November and was told my account had been suspendedTwo days later, I received a billing statement and immediately called Comenity (11/29/16).The Customer Service Rep said a letter would be sent to inform me of my account status and to provide details on the disputeI never received the letter that Comenity claims to have sent on 12/06/I did however receive another billing statement for December with yet another late fee chargedThe Customer Service Rep on 11/29/never explained that my account was still open, unresolved, and accumulating feesWhen I received the December billing statement, I immediately phoned Comenity AGAIN on 12/22/to pay all fees and to close the account to save my creditThey resent another letter yet again on 12/23/that I did receive and promptly responded to with my information.What I don’t understand is how an electronic Bill Payment Withdrawal on 07/29/sent to Comenity does not post until 08/09/(which is 10+ days later)…..why I NEVER received any billing statements until I tried to use my card in a store in November….why the Customer Service Rep in November didn’t ask if I wanted to settle my account…why the letter from 12/06/was never sent/received…and why I never received any substantial communication from Comenity Bank until I involved the Revdex.com.I take bill resolution on-time and in-full very, very seriouslyMy credit score could not have been over without the attentiveness I give to my financesBecause of the seriousness of this situation, I will contact my attorney if required as my credit has suffered irreparable harmComenity has failed to prove I didn’t pay the $by 08/07/16, only that the $didn’t post in their system until 08/09/17…two short days after the due-date.”I appreciate all of your help and support with this matterThank you!
Thank you for contacting the RevDex.com (Revdex.com), regarding the above-noted Herberger’s account. As the Bank that issues Herberger’s credit
card accounts, we are here to help answer account-related questions. Your complaint to the Revdex.com, was forwarded to
my attention and I appreciate this opportunity to assist you
We understand from your complaint to the Revdex.com
you had paid cash for the items bought at the Platte River Mall Herberger’s store. Furthermore, because of this issue you are
requesting the charges on your Herberger’s account and the negative impact on
your credit report to be removedAt this
time, we would like to explain our findings below
Our records indicate your Herberger’s account
was opened on August 12, Use of
the account or failure to close the account within 30-days of receiving the
Credit Card Agreement (CCA) indicated your acceptance of the terms of the
agreement, including the assessment of any finance charges and fees. Further records indicate two purchases were
debited to your account for $and $on August 12,
On August 26, 2013, Comenity Bank issued your
billing statement to the address on file of *** *** *** *** Somerset, CO
81434-9625. Your billing statement
reflected a balance of $and a minimum payment of $with a payment
due date of September 21, 2013. At which
time, we did not receive payment causing a late fee and finance charge to
assess. Further Bank records indicate that
no payments were received during the next six consecutive billing periods; therefore,
your Herberger’s account received additional late fees and finance
charges. As of March 26, 2014, Comenity
Bank reported your account as a written off, unpaid debt with a balance of
$
On your behalf, we contacted Herberger’s
corporate office to find out if they had any records of your cash payment. During their investigation, they were unable
to locate any such payment; however, should you have proof of this please send
it to my attention at the address above
On June 17, July 8, and August 19, 2015,
Comenity Bank received three payments of $totaling $241.20; that were
excepted as settlement to your account.
On September 18, 2015, we notified the national credit-reporting
agencies that your account was paid in full for less than the balance
Comenity Bank is required by law to report
factual data to the national credit-reporting agencies with regard to account
activity. At this time Comenity Bank
finds no errors in its reporting of your Herberger’s account to the credit
bureaus; therefore, we are unwilling to have the delinquency removed. Delinquent accounts typically report for
seven years from the date the account first became delinquent
We hope you find this information helpful,
and we sincerely apologize for any confusion or inconvenience this has caused
you. If you have any further questions regarding this letter,
please contact me at (800) 675-5685, ext*** (TDD/TTY (800) 695-1788). I will be happy to assist you
Sincerely,
Jack C***
Consumer Relations Specialist
CC:
Revdex.com
Dear *** ***: We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountsAs the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questionsYour complaint was forwarded to my
attention, and I appreciate the opportunity to assist you. We understand from your complaint that you applied for one Victoria’s Secret/PINK account and within the process two accounts were opened in your name; you were not aware of the additional accountYou use your account for purchases, paying monthly and on timeHowever, the additional account has had charges that you were not made aware of, which now has Bank fees assessed and is hurting your credit reportYou state that had you known of the charges, you would have paid for them and no one has been able to tell you what happenedYou feel you are forced to pay $or have further collection actions taken against youYou would like the charges and delinquencies removed from your credit file. Bank records indicate that you opened the Victoria’s Secret/PINK account ending in *** on March 10, The last purchase of $was charged on May 20, 2009, and the last payment of $was received on August 28, 2009. The monthly billing statements were sent to the address of ** *** *** *** California, ***, and we have no record that the statements were returned as undeliverableAs no further payments have been received, the account balance of $wrote-off on November 23, 2009, and the account was sold to an outside collection agency on December 16, The account had no further utility and was not open for purchasesEnclosed are copies of the billing statements and the Bank’s Credit Card Agreement (CCA). The Bank has not found any billing errors with the account ending in ***As such, you are responsible for the account and unpaid balanceAs the account was sold to the outside collection agency, you must contact Portfolio Recovery Associates, toll free, at ###-###-#### for any further questions about the account. Furthermore, Bank records indicate that you applied and were approved for the Victoria’s Secret/PINK credit card account ending in *** on June 18, 2015, which was almost five and a half years after the first account was closed. This account is current and in good standingThe last purchase of $was charged on January 29, 2016, and the last payment of $was received on January 16, Additionally, you chose to receive the statements for this account via our online Account CenterStatement ready email notifications are being sent to, ***
We apologize for any confusion or inconvenience this situation has caused you, and we hope this information is helpful. If you any further questions or concerns about the account ending in ***, please contact Portfolio Recovery Associates at the number providedIf you have any further questions about the account ending in 3358, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y*** Consumer Relations Specialist
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Crate and Barrel credit cardWe are here to answer your questions and assist with your concerns. Your correspondence indicates that you
attempted to pay your entire balance via the Bank’s online Account Center using your personal bank account informationYou state the Bank blocked the electronic funds transfer, causing payments to be rejectedThe Bank explained that the account information entered online contained too many digitsAt the time the payment was returned, you state that Comenity Bank provided you with no notice of the rejection, and charged your account $for the transaction. After learning of the returned payment, you spoke with your personal bank regarding the matter, and they assisted you with entering another payment through Comenity Bank’s online Account CenterYou then contacted Comenity Bank and were advised that you needed to send in three forms of identification as your account had been closed due to suspicious activity. Upon being advised the account was closed, you contacted the Bank and requested details on why the payment was deniedYou were advised that the Bank had not rejected the paymentYou were further advised that no additional information could be provided in reference to the account. You are requesting to be able to pay your bill without any additional fees and penalties, which includes having no interest applied as you have attempted to make the payment several times. We have reviewed your account and would like to provide the following information. The payment made on April 12, 2017, in the amount of $was returned from your personal banking institution on April 18, The payment made on April 18, 2017, in the amount of $7,was returned from your personal banking institution on April 24, Both payments were returned as “No Bank Account or Unable to Locate.” Due to the returned payments, your account was assessed a Return Payment Fee of $on April 18, The payment of $7,was made on May 01, 2017, and the amount of $was made on May 02, 2017. You logged into our online Account Center and agreed to the Web User Bill Pay Agreement (Agreement) on April 11, This Agreement outlines the terms, conditions and services associated with making online paymentsBy agreeing, you accepted the conditions of the online payment optionsAs the above referenced payments were made online with the exception of the May 02, 2017, payment, you are responsible for the account information submittedPlease be advised that the account number that was entered into the system in April 2017, was *** This account number is different from the account information submitted for the payments that processed in May 2017. Please be advised that notification was mailed to you regarding the returned payments. Enclosed please find copies of the previous notifications for your review. During multiple conversations with the representatives at the Bank, you were advised that they were not aware of why the payments were returnedWe apologize for the miscommunication that occurred in regard to the reason why the payments were returned. We understand your concern with providing your personal informationWe apologize for any frustration you may have experienced; however, please be assured verifying your information is a procedure designed to keep your personal information safe, and to ensure we protect our customer’s privacy. While speaking to a representative on May 2, 2017, you requested to pay the balance in full and close the accountPlease be advised that the account has been closed per your request as of May 10, As you paid the remaining balance of $307.00, as a courtesy the Pay By Phone fee of $has been credited to the account. As of the date of this letter, the account balance is zeroAs no Bank errors have been found we respectfully decline to remove the return payment feePlease be assured that your account has not been charged any interest. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L***
Dear *** ** *** Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the fullbeauty credit cardWe are here to answer your questions and assist with your concerns. We understand from the complaint that you contacted Comenity
Bank regarding the charges on your fullbeauty accountYou state that the charge of $was for program that you did not ask for, and that you have also been charged $in interest from the BankWhen speaking with the Bank you were advised that you needed to contact fullbeauty regarding the charge, and that only the late fee of $could be removedYou are requesting to have the full balance removed from your fullbeauty accountWe apologize for the inconvenience you have experienced regarding this matter. Please note that Comenity Bank and fullbeauty are two separate entitiesThe Bank issues and is responsible for addressing questions related to the fullbeauty credit card account, while fullbeauty is responsible for handling matters related to sales, merchandise processing, returns, shipping, and Shopper’s Club membership feesThe fullbeauty Shopper’s Club membership is solely administrated by fullbeautyIf you have questions regarding the fullbeauty Shopper’s Club membership, please contact fullbeauty at ###-###-####. Bank records indicate that on December 15, 2016, your account was charged $for the fullbeauty Shopper’s Club membershipOn January 1, 2017, your billing statement was generated with a balance and minimum payment of $due on or before January 27, As no payments were received late fees and finance charges were assessed to your account in accordance of the Credit Card Agreement. We have contacted fullbeauty, on your behalf, regarding the Shopper’s Club membershipPlease be assured that the $Shopper’s Club membership fee has been reversedIn addition, the previously assessed late fees and finance charges have been credited in the amount of $With these adjustments, the balance on your account is zero. Additionally, notification has been sent to the national credit-reporting agencies with instructions to delete the late payment information that was reported regarding the fullbeauty accountPlease allow the credit-reporting agencies days to update their records. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H***
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Kay Jewelers credit card accountWe are here to answer your questions and assist with your concerns. You state you paid your account off in
October The payment went to the previous lender instead of the new lenderYou would like your account to show a zero balance and your credit bureau reports to reflect your October payment. We received your dispute on November 4, 2017, in the amount of $for a paymentPlease be assured our dispute resolution team is currently working to resolve your disputePlease also be aware, dispute investigations may take up to ninety days to completeUpon completion of our investigation, we will notify you of our findings by mailWe appreciate your patience while we conduct our investigation. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Alyson F*
Dear *** ***
Comenity Bank (Bank) has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the Wayfair Card credit cardWe are here to
answer your questions and assist with your concerns
We understand from your correspondence, you are
stating the Bank refuses to accept proof that you paid off the accountYou
request a written apologyI am happy to share my findings
Please note that Wayfair and Comenity Bank are
two separate entitiesThe Bank issues and is responsible for addressing
questions related to your credit card accountWayfair is responsible for
handling matters related to sales, merchandise processing, returns and
shipping
Bank records indicate a charge in the amount of
$69.11, for Wayfair Order# *** posted to the account on January 13,
A billing statement was issued January 25, 2017, with a balance of $69.11,
and a minimum payment of $25.00, due by February 20, Due to no payment being
received by the due date, a late fee and finance charge were assessed, as
explained in the Credit Card Agreement
A billing statement was issued February 22,
2017, with a balance of $96.11, and a minimum payment of $30.00, due by March
20, A payment of $was received on February 23,
On February 23, 2017, when you contacted the
Bank regarding the return, a dispute was filed on your behalfWhile your
dispute was investigated a provisional credit was issued for the $charge,
and the finance charge of $
A billing statement was issued March 25, 2017,
with a balance of $15.54, and a minimum payment of $5.00, due by April 20,
Per the Bank’s response dated March 29, 2017, the provisional credits
were reversed as the balance was found to be valid
We reached out to Wayfair on your behalf, and they
advised that you were provided a merchandise credit for $for the return
Due to the account not being credited for the $57.59, the payment for $
did not bring the balance to zero
As of the date of this letter, the account has
a valid balance of $86.59, with a minimum payment of $due by April 20,
I hope you
have found this information to be helpfulIf you have any questions or concerns,
please feel free to contact me at ###-###-####
Sincerely,
KaiM***
Parts don't make any senseI have not lived at the *** address for the past four years and I know the items were not shipped to the "above address" because we have only lived here for a year and three monthsSo that makes no senseIf the CCA was sent the an address I don't live at of course I didn't close the accountThe address I lived at during this time was Fischer Rd lot Creve Coeur IL Which isn't mentioned at all in the letterSo no I didn't pay the bill because I didn't receive the invoices, I didn't receive the items and I did not open the accountI did attempt to settle the account and take care of the balance but the charge was run through my checking account a month earlier than quoted so yes I did return itIf I had received the invoices I would have closed the account but I never did so that's a mute pointSo in conclusion, an account was opened that I didn't open, items were sent to an address I did not live at and also the bills were sent to another address I did not live atRegardless of all of this I am still willing to settle the account to expedite it's removal from my credit, because I am responsible and take care of my obligations I still don't understand how a company can issue a card with a balance of $ that has a balance of $dollars can let someone charge an additional dollars when there is only dollars available.
Regards,
*** ***
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answeryour questions and assist with your concerns.We understand from your correspondence that you applied for the Victoria’s
Secret credit cardand you were told that $would come with the credit card, instead you received an offer tosign up for *** ***You state that this was not advertised when opening the credit card.You are requesting to receive the $offer without having to make any additional recurringmonthly purchases.Please note Comenity Bank and Victoria’s Secret are two separate entitiesThe Bank issues andis responsible for addressing questions related to your credit card accountVictoria’s Secret isresponsible for handling matters related to sales, offers, merchandise processing, returns andshipping.The information that was received with the credit card was an offer to enroll into *** ***.To receive the gift card you must sign, date and return the *** *** disclosure statementyou find located in your *** *** Welcome PackageThe gift card does not come withthe *** *** Welcome PackageIf you cancel *** *** before returning the*** *** disclosure statement, you will not receive the gift cardThe gift card is sent tocustomers via mail after *** / the Program Administrator has received the disclosure statement.You can call *** directly at ###-###-#### if you have not received your gift card and it hasbeen six weeks since you returned the disclosure statement.Additionally, bank records indicate that the mail order purchase on August 27, 2017, indicates acredit for $20.00.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M***
Thanks for your cooperationLike I said beforeI didn't think I owed anythingI never received the merchandize I ordered, for a larger size, after I returned the first oneAnd then they decided to charge me $for sending the shirt back I was also suppose to have free shipping & handling.I never had this problem before with any other company.Sincerely,*** *** *** *** *** ***
We received your complaint, sent to the Revdex.com, regarding the abovereferencedaccountComenity Bank issues VICTORIA’S SECRET credit card accounts, and weare here to answer account-related questionsYour complaint was forwarded to my attentionand I appreciate the opportunity to
assist you.Your complaint states that after purchasing items from Victoria’s Secret, you later returned itemsand did not receive credit to your accountYou were advised that the matter should be takencare of in the store, and then you were advised that the matter should be resolved by phoneAdispute was initiated by phone and you provided all details from your receiptThis wassupposed to be resolved within a month and you were advised to not pay the bill as onceresolved, the charges would be reversedAfter continuing to see charges on your account youcalled to find out the dispute was closed as the Bank needed a copy of your receipt, which hadnot been disclosed to you when the dispute was filedBecause so much time has passed, youno longer have the receiptYou believe the business has your merchandise and is trying tonegatively impact your credit for an issue that was caused by incorrect processingYou wantthe charges reversed and for the Bank to stop calling your cell and work phone.Please accept our sincere apology for the frustration and inconvenience you have experienced.It is never the Bank’s intentions to cause a customer a hardship.After reviewing your account, our records indicate that you charged $to your account onJanuary 10, A payment for $was received on March 4, We had no record ofa return made to your account; as such, a balance was left on the accountAs no payment wasreceived, the account accrued late fees and finance charges, and was reported delinquent tothe credit bureaus.The Bank received a telephone dispute from you on March 30, 2016, regarding a missing returncredit for $On April 6, 2016, a letter was sent to you that indicated in order to correctyour account, we needed a copy of the return receipt.Please be assured that I contacted Victoria’s Secret regarding the returnThey were able tolocate the transaction and confirmed that the return for $was processedUnfortunately,the return was credited to another customer’s account in errorWe have corrected the error andissued a $credit to your accountAdditionally, we issued credits totaling $toremove the late fees and finance charges that were previously assessedAs a result of thesecredits, your account has a credit balance of $I issued a refund check to you for $5.04that will be received separately from this letterIn addition, as requested, we have placed a “Never Call” status on your cell phone numberending in and your business phone number ending in Additionally, we sentnotification to the national credit-reporting agencies with instructions to delete the negativepayment information from your credit filePlease allow the credit-reporting agencies days toupdate their records.You are a valued customerAgain, we sincerely apologize for the frustration and inconveniencethis matter has caused youIf you have any further questions or concerns, please do nothesitate to contact me at 1.800.675.5685, ext*** (TDD/TTY 1.800.695.1788)I will behappy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
Dear Ms***We received your recent complaint regarding the account noted aboveComenity Bank issues Peeblescredit cards and we are here to help with your account-related questions and concernsYour inquiry.addressed to the Revdex.com, was forwarded to my attention and I appreciate
the opportunityto assist you.I understand from your complaint, On April 3, 2015, you went to the Peebles store to pay your Peeblescharge card off in fullWhile securing your payment by check for $92.63, the store associates informedyou that their check scanner was not working, and was unable to accurately read your checkYou thenused an alternate method of payment, and secured the balance In full payment of $using your debitcardYou later found out that the payment of $had been deblted out of your checking accounttwice, once as an ACH debit, and again as a point of sale (POS) payment.In addition, you have provided Comenjty Bank with your Bank statements, which confirms two (2)withdrawals in the amount of $on April 3, 2015, and an additional withdrawal of $on April 6,Since th~sin itial payment, you have opened several disputes in regards to this matter, and to date,this matter has not been resolved.You are requesting Cornenity Bank to issue you a full refund in the amount of $The Bankapologizes for any frustration or inconvenience you have experienced as a result of this matter.Bank records indicated, on July 6, 2015, the proper documentation was provided to show proof of thedouble withdrawals from your personal checking account.Please be assured, in the interest of customer service, a refund check in the amount of $95.13, whichincludes a finance charge of $2.50, has been issued separatelyPlease allow up to business days toreceive the refund.I hope you find this information to be helpfulShould you have additional questions or concerns aboutthis issue, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would behappy to assist you.Sincerely,Geanine M*** *** ***
We received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues LOVE LOFT credit card accounts, and we are here to help with your account-related questions Your complaint, sent on behalf of *** ** ***, was forwarded to
my attention, and I appreciate the opportunity to assist you. Please note, the Bank has responded to *** *** directly, as she is the primary cardholder on the account. We hope this information is helpful. Should you have questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Tionna M***Consumer Relations Specialist CC: Revdex.com
Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Total Rewards Visa Credit Card credit cardWe are here to answer your questions and assist with your concerns. We understand from your complaint, submitted
to the Revdex.com, that you called the Bank to request a balance transferYou were advised that your Total Rewards Visa credit card ending in was closed due to inactivityYou were advised to open another Total Rewards Visa account and once the new credit card was activated; call the Bank and request a balance transferYou called the Bank after the card was activated and were advised that a balance transfer was not being offered at this time and to try back in April You are requesting the balance transfer be completed as you were advised during your telephone call with the Bank. We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe 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.After a thorough review of the account, our records indicate that there is no current offer for a balance transfer available, nor was there a previous offer of a balance transfer option for this account We respectfully decline to allow you to do a balance transfer at this time.Please be assured from time to time, to the Bank’s sole discretion, we may offer our customer the ability to transfer account balances from other credit card accounts to the an accountWe may, at our sole discretion, offer promotional plans for such balance transfersThis information can be found under the “using your account” section of the Credit Card Agreement.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Renee S***
On the paper I sent to you all I was a refund check and one was a bill where it had -$do not pay was common sense that they owed me that they had by it do not pay that was letting me know they owed meThey wrote payment everywhere after they seen that the new balance was -$I guess they made their self look good so I told them I don't like it when someone take from me for no reason So they could close the account the lady ask me to wait to see what are they going to do about the complaint I wrote to you all so I said OkI know I paid through the Post Office and they took my money even the person I first talked to said yes they had took more Post Office money but after I called that time they placed them back on the bill I know they took it but I threw the stubs away I had I guess they have just took thatWhy do people take from people who don't have anything? If they had asked me for $and I had it I would have given it to them to keep them from taking from me anyway
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards, *** ***
Dear *** *** *** Thank you for the recent complaint, addressed to Revdex.comComenity Bank multiple retailer credit card accounts, and we respond to account-related inquiriesYour complaint, sent on behalf of *** ***, was forwarded to my attention, and I
appreciate this opportunity to assist you. In your complaint you state that your grandmother, *** ***, has received multiple phone calls regarding her accountYou further state that the representative who called was unhelpful and would not disclose why she was callingI understand your concerns and I apologize for any frustration this may have caused you. After reviewing Ms***’s account, our records show that the account is in the name of *** *** and we do not have permission to speak to anyone else regarding her accountAs you are not the account holder, please be advised that in order to respond to you directly regarding Ms***’s account, we would need her permission to disclose account information to you. Ms*** may contact our Customer Care department at ###-###-#### to have her account noted that we are able to speak to you regarding her account. Additionally, we have sent a direct response to Ms*** regarding the account details. We hope that this information is helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
Dear Ms***: We received your complalnt, addressed to the Revdex.com, regarding the account referenced aboveComenity Bank issues Roaman'scredit card accounts, and we are here to assist you with all account-related questionsI appreciate the opportunity to respond to your
concernsWe understand from your complaint that you state your interest rate was 24.99%, but in January of it was Increased to 26.99% You now believe we are charging you two finance charges on your billYou would like your account adjusted to remove the additional finance charges and reduce your account to a 24.99% interest rateComenity Bank mailed you a Change In Terms notice regarding changes to your account December 24, This notice detailed that the Annual Percentage Rate (APR) and that the minimum interest charge would be changingThis change took effect April 2, We have enclosed a copy of this notice for your recordsAdditionally, you were notified, in the Change In Terms notice, that you had the right to reject these changes by closing your accountThis request would have needed to be made by April 1, As you did not contact us to close the account before April 2015, we are unwilling to lower your APR to 24.99%, or credit any interest charges to the accountWe offer the option to pay the balance in full monthly to avoid paying finance charges on your balanceOur Annual Percentage Rate (APR) for the Roaman's credit card account is now 26.99%, for any purchases made afler April 2, Also, please keep in mind that the cost of billing accounts, mailing statements and answering account-related inquiries is the same whether billing a small or large account balance Our low balance averages necessitate our charging a higher rate on the balances to cover these costsWe apologize for the frustration and inconvenience this matter may have caused youShould you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY###-###-####)I would be happy to assist youSincerely, Amanda R**
Maybe my complaint is with Simply Be - which can never be reached unless making purchase? Straight to ComenityI'm thinking not Comenity bank, but Simply be Co- when corresponding one and the same??article a prpanty - fully pdlong ago.I've called them several times to resolve the fact I owe nothing to "Simply Be: which Comenity Bank handles billingAlso called Simply Be or 8X - these turn me over to Bank, The thing is Comenity also handles *** *** an other CoWhich I received several raises in creditSimply Be is Not reachableThank you, *** ***
Hello,Thank you for your inquiry. Your *** *** ** ***We will reply to your email providing an update and/or resolution of your issue. Please understand that it may take 2-business days to resolve the issue.Please reply to this email with any additional
questions related to your inquiry.Sincerely,Consumer Support Group
“Comenity claims a billing statement was issued in August, September, October, and NovemberI never received any billing statements from Comenity in these months, thinking this was because I had no balance on my account as I had paid it in-full on 07/29/I was unaware of any issues with my account until I tried to use my Lane Bryant charge card in the store in November and was told my account had been suspendedTwo days later, I received a billing statement and immediately called Comenity (11/29/16).The Customer Service Rep said a letter would be sent to inform me of my account status and to provide details on the disputeI never received the letter that Comenity claims to have sent on 12/06/I did however receive another billing statement for December with yet another late fee chargedThe Customer Service Rep on 11/29/never explained that my account was still open, unresolved, and accumulating feesWhen I received the December billing statement, I immediately phoned Comenity AGAIN on 12/22/to pay all fees and to close the account to save my creditThey resent another letter yet again on 12/23/that I did receive and promptly responded to with my information.What I don’t understand is how an electronic Bill Payment Withdrawal on 07/29/sent to Comenity does not post until 08/09/(which is 10+ days later)…..why I NEVER received any billing statements until I tried to use my card in a store in November….why the Customer Service Rep in November didn’t ask if I wanted to settle my account…why the letter from 12/06/was never sent/received…and why I never received any substantial communication from Comenity Bank until I involved the Revdex.com.I take bill resolution on-time and in-full very, very seriouslyMy credit score could not have been over without the attentiveness I give to my financesBecause of the seriousness of this situation, I will contact my attorney if required as my credit has suffered irreparable harmComenity has failed to prove I didn’t pay the $by 08/07/16, only that the $didn’t post in their system until 08/09/17…two short days after the due-date.”I appreciate all of your help and support with this matterThank you!
Thank you for contacting the RevDex.com (Revdex.com), regarding the above-noted Herberger’s account. As the Bank that issues Herberger’s credit
card accounts, we are here to help answer account-related questions. Your complaint to the Revdex.com, was forwarded to
my attention and I appreciate this opportunity to assist you
We understand from your complaint to the Revdex.com
you had paid cash for the items bought at the Platte River Mall Herberger’s store. Furthermore, because of this issue you are
requesting the charges on your Herberger’s account and the negative impact on
your credit report to be removedAt this
time, we would like to explain our findings below
Our records indicate your Herberger’s account
was opened on August 12, Use of
the account or failure to close the account within 30-days of receiving the
Credit Card Agreement (CCA) indicated your acceptance of the terms of the
agreement, including the assessment of any finance charges and fees. Further records indicate two purchases were
debited to your account for $and $on August 12,
On August 26, 2013, Comenity Bank issued your
billing statement to the address on file of *** *** *** *** Somerset, CO
81434-9625. Your billing statement
reflected a balance of $and a minimum payment of $with a payment
due date of September 21, 2013. At which
time, we did not receive payment causing a late fee and finance charge to
assess. Further Bank records indicate that
no payments were received during the next six consecutive billing periods; therefore,
your Herberger’s account received additional late fees and finance
charges. As of March 26, 2014, Comenity
Bank reported your account as a written off, unpaid debt with a balance of
$
On your behalf, we contacted Herberger’s
corporate office to find out if they had any records of your cash payment. During their investigation, they were unable
to locate any such payment; however, should you have proof of this please send
it to my attention at the address above
On June 17, July 8, and August 19, 2015,
Comenity Bank received three payments of $totaling $241.20; that were
excepted as settlement to your account.
On September 18, 2015, we notified the national credit-reporting
agencies that your account was paid in full for less than the balance
Comenity Bank is required by law to report
factual data to the national credit-reporting agencies with regard to account
activity. At this time Comenity Bank
finds no errors in its reporting of your Herberger’s account to the credit
bureaus; therefore, we are unwilling to have the delinquency removed. Delinquent accounts typically report for
seven years from the date the account first became delinquent
We hope you find this information helpful,
and we sincerely apologize for any confusion or inconvenience this has caused
you. If you have any further questions regarding this letter,
please contact me at (800) 675-5685, ext*** (TDD/TTY (800) 695-1788). I will be happy to assist you
Sincerely,
Jack C***
Consumer Relations Specialist
CC:
Revdex.com
Dear *** ***: We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountsAs the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questionsYour complaint was forwarded to my
attention, and I appreciate the opportunity to assist you. We understand from your complaint that you applied for one Victoria’s Secret/PINK account and within the process two accounts were opened in your name; you were not aware of the additional accountYou use your account for purchases, paying monthly and on timeHowever, the additional account has had charges that you were not made aware of, which now has Bank fees assessed and is hurting your credit reportYou state that had you known of the charges, you would have paid for them and no one has been able to tell you what happenedYou feel you are forced to pay $or have further collection actions taken against youYou would like the charges and delinquencies removed from your credit file. Bank records indicate that you opened the Victoria’s Secret/PINK account ending in *** on March 10, The last purchase of $was charged on May 20, 2009, and the last payment of $was received on August 28, 2009. The monthly billing statements were sent to the address of ** *** *** *** California, ***, and we have no record that the statements were returned as undeliverableAs no further payments have been received, the account balance of $wrote-off on November 23, 2009, and the account was sold to an outside collection agency on December 16, The account had no further utility and was not open for purchasesEnclosed are copies of the billing statements and the Bank’s Credit Card Agreement (CCA). The Bank has not found any billing errors with the account ending in ***As such, you are responsible for the account and unpaid balanceAs the account was sold to the outside collection agency, you must contact Portfolio Recovery Associates, toll free, at ###-###-#### for any further questions about the account. Furthermore, Bank records indicate that you applied and were approved for the Victoria’s Secret/PINK credit card account ending in *** on June 18, 2015, which was almost five and a half years after the first account was closed. This account is current and in good standingThe last purchase of $was charged on January 29, 2016, and the last payment of $was received on January 16, Additionally, you chose to receive the statements for this account via our online Account CenterStatement ready email notifications are being sent to, ***
We apologize for any confusion or inconvenience this situation has caused you, and we hope this information is helpful. If you any further questions or concerns about the account ending in ***, please contact Portfolio Recovery Associates at the number providedIf you have any further questions about the account ending in 3358, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y*** Consumer Relations Specialist
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Crate and Barrel credit cardWe are here to answer your questions and assist with your concerns. Your correspondence indicates that you
attempted to pay your entire balance via the Bank’s online Account Center using your personal bank account informationYou state the Bank blocked the electronic funds transfer, causing payments to be rejectedThe Bank explained that the account information entered online contained too many digitsAt the time the payment was returned, you state that Comenity Bank provided you with no notice of the rejection, and charged your account $for the transaction. After learning of the returned payment, you spoke with your personal bank regarding the matter, and they assisted you with entering another payment through Comenity Bank’s online Account CenterYou then contacted Comenity Bank and were advised that you needed to send in three forms of identification as your account had been closed due to suspicious activity. Upon being advised the account was closed, you contacted the Bank and requested details on why the payment was deniedYou were advised that the Bank had not rejected the paymentYou were further advised that no additional information could be provided in reference to the account. You are requesting to be able to pay your bill without any additional fees and penalties, which includes having no interest applied as you have attempted to make the payment several times. We have reviewed your account and would like to provide the following information. The payment made on April 12, 2017, in the amount of $was returned from your personal banking institution on April 18, The payment made on April 18, 2017, in the amount of $7,was returned from your personal banking institution on April 24, Both payments were returned as “No Bank Account or Unable to Locate.” Due to the returned payments, your account was assessed a Return Payment Fee of $on April 18, The payment of $7,was made on May 01, 2017, and the amount of $was made on May 02, 2017. You logged into our online Account Center and agreed to the Web User Bill Pay Agreement (Agreement) on April 11, This Agreement outlines the terms, conditions and services associated with making online paymentsBy agreeing, you accepted the conditions of the online payment optionsAs the above referenced payments were made online with the exception of the May 02, 2017, payment, you are responsible for the account information submittedPlease be advised that the account number that was entered into the system in April 2017, was *** This account number is different from the account information submitted for the payments that processed in May 2017. Please be advised that notification was mailed to you regarding the returned payments. Enclosed please find copies of the previous notifications for your review. During multiple conversations with the representatives at the Bank, you were advised that they were not aware of why the payments were returnedWe apologize for the miscommunication that occurred in regard to the reason why the payments were returned. We understand your concern with providing your personal informationWe apologize for any frustration you may have experienced; however, please be assured verifying your information is a procedure designed to keep your personal information safe, and to ensure we protect our customer’s privacy. While speaking to a representative on May 2, 2017, you requested to pay the balance in full and close the accountPlease be advised that the account has been closed per your request as of May 10, As you paid the remaining balance of $307.00, as a courtesy the Pay By Phone fee of $has been credited to the account. As of the date of this letter, the account balance is zeroAs no Bank errors have been found we respectfully decline to remove the return payment feePlease be assured that your account has not been charged any interest. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L***
Dear *** ** *** Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the fullbeauty credit cardWe are here to answer your questions and assist with your concerns. We understand from the complaint that you contacted Comenity
Bank regarding the charges on your fullbeauty accountYou state that the charge of $was for program that you did not ask for, and that you have also been charged $in interest from the BankWhen speaking with the Bank you were advised that you needed to contact fullbeauty regarding the charge, and that only the late fee of $could be removedYou are requesting to have the full balance removed from your fullbeauty accountWe apologize for the inconvenience you have experienced regarding this matter. Please note that Comenity Bank and fullbeauty are two separate entitiesThe Bank issues and is responsible for addressing questions related to the fullbeauty credit card account, while fullbeauty is responsible for handling matters related to sales, merchandise processing, returns, shipping, and Shopper’s Club membership feesThe fullbeauty Shopper’s Club membership is solely administrated by fullbeautyIf you have questions regarding the fullbeauty Shopper’s Club membership, please contact fullbeauty at ###-###-####. Bank records indicate that on December 15, 2016, your account was charged $for the fullbeauty Shopper’s Club membershipOn January 1, 2017, your billing statement was generated with a balance and minimum payment of $due on or before January 27, As no payments were received late fees and finance charges were assessed to your account in accordance of the Credit Card Agreement. We have contacted fullbeauty, on your behalf, regarding the Shopper’s Club membershipPlease be assured that the $Shopper’s Club membership fee has been reversedIn addition, the previously assessed late fees and finance charges have been credited in the amount of $With these adjustments, the balance on your account is zero. Additionally, notification has been sent to the national credit-reporting agencies with instructions to delete the late payment information that was reported regarding the fullbeauty accountPlease allow the credit-reporting agencies days to update their records. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H***
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Kay Jewelers credit card accountWe are here to answer your questions and assist with your concerns. You state you paid your account off in
*
October The payment went to the previous lender instead of the new lenderYou would like your account to show a zero balance and your credit bureau reports to reflect your October payment. We received your dispute on November 4, 2017, in the amount of $for a paymentPlease be assured our dispute resolution team is currently working to resolve your disputePlease also be aware, dispute investigations may take up to ninety days to completeUpon completion of our investigation, we will notify you of our findings by mailWe appreciate your patience while we conduct our investigation. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Alyson F
Dear *** ***
Comenity Bank (Bank) has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the Wayfair Card credit cardWe are here to
answer your questions and assist with your concerns
We understand from your correspondence, you are
stating the Bank refuses to accept proof that you paid off the accountYou
request a written apologyI am happy to share my findings
Please note that Wayfair and Comenity Bank are
two separate entitiesThe Bank issues and is responsible for addressing
questions related to your credit card accountWayfair is responsible for
handling matters related to sales, merchandise processing, returns and
shipping
Bank records indicate a charge in the amount of
$69.11, for Wayfair Order# *** posted to the account on January 13,
A billing statement was issued January 25, 2017, with a balance of $69.11,
and a minimum payment of $25.00, due by February 20, Due to no payment being
received by the due date, a late fee and finance charge were assessed, as
explained in the Credit Card Agreement
A billing statement was issued February 22,
2017, with a balance of $96.11, and a minimum payment of $30.00, due by March
20, A payment of $was received on February 23,
On February 23, 2017, when you contacted the
Bank regarding the return, a dispute was filed on your behalfWhile your
dispute was investigated a provisional credit was issued for the $charge,
and the finance charge of $
A billing statement was issued March 25, 2017,
with a balance of $15.54, and a minimum payment of $5.00, due by April 20,
Per the Bank’s response dated March 29, 2017, the provisional credits
were reversed as the balance was found to be valid
We reached out to Wayfair on your behalf, and they
advised that you were provided a merchandise credit for $for the return
Due to the account not being credited for the $57.59, the payment for $
did not bring the balance to zero
As of the date of this letter, the account has
a valid balance of $86.59, with a minimum payment of $due by April 20,
I hope you
have found this information to be helpfulIf you have any questions or concerns,
please feel free to contact me at ###-###-####
Sincerely,
KaiM***
Parts don't make any senseI have not lived at the *** address for the past four years and I know the items were not shipped to the "above address" because we have only lived here for a year and three monthsSo that makes no senseIf the CCA was sent the an address I don't live at of course I didn't close the accountThe address I lived at during this time was Fischer Rd lot Creve Coeur IL Which isn't mentioned at all in the letterSo no I didn't pay the bill because I didn't receive the invoices, I didn't receive the items and I did not open the accountI did attempt to settle the account and take care of the balance but the charge was run through my checking account a month earlier than quoted so yes I did return itIf I had received the invoices I would have closed the account but I never did so that's a mute pointSo in conclusion, an account was opened that I didn't open, items were sent to an address I did not live at and also the bills were sent to another address I did not live atRegardless of all of this I am still willing to settle the account to expedite it's removal from my credit, because I am responsible and take care of my obligations I still don't understand how a company can issue a card with a balance of $ that has a balance of $dollars can let someone charge an additional dollars when there is only dollars available.
Regards,
*** ***
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answeryour questions and assist with your concerns.We understand from your correspondence that you applied for the Victoria’s
Secret credit cardand you were told that $would come with the credit card, instead you received an offer tosign up for *** ***You state that this was not advertised when opening the credit card.You are requesting to receive the $offer without having to make any additional recurringmonthly purchases.Please note Comenity Bank and Victoria’s Secret are two separate entitiesThe Bank issues andis responsible for addressing questions related to your credit card accountVictoria’s Secret isresponsible for handling matters related to sales, offers, merchandise processing, returns andshipping.The information that was received with the credit card was an offer to enroll into *** ***.To receive the gift card you must sign, date and return the *** *** disclosure statementyou find located in your *** *** Welcome PackageThe gift card does not come withthe *** *** Welcome PackageIf you cancel *** *** before returning the*** *** disclosure statement, you will not receive the gift cardThe gift card is sent tocustomers via mail after *** / the Program Administrator has received the disclosure statement.You can call *** directly at ###-###-#### if you have not received your gift card and it hasbeen six weeks since you returned the disclosure statement.Additionally, bank records indicate that the mail order purchase on August 27, 2017, indicates acredit for $20.00.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M***
Thanks for your cooperationLike I said beforeI didn't think I owed anythingI never received the merchandize I ordered, for a larger size, after I returned the first oneAnd then they decided to charge me $for sending the shirt back I was also suppose to have free shipping & handling.I never had this problem before with any other company.Sincerely,*** *** *** *** *** ***
We received your complaint, sent to the Revdex.com, regarding the abovereferencedaccountComenity Bank issues VICTORIA’S SECRET credit card accounts, and weare here to answer account-related questionsYour complaint was forwarded to my attentionand I appreciate the opportunity to
assist you.Your complaint states that after purchasing items from Victoria’s Secret, you later returned itemsand did not receive credit to your accountYou were advised that the matter should be takencare of in the store, and then you were advised that the matter should be resolved by phoneAdispute was initiated by phone and you provided all details from your receiptThis wassupposed to be resolved within a month and you were advised to not pay the bill as onceresolved, the charges would be reversedAfter continuing to see charges on your account youcalled to find out the dispute was closed as the Bank needed a copy of your receipt, which hadnot been disclosed to you when the dispute was filedBecause so much time has passed, youno longer have the receiptYou believe the business has your merchandise and is trying tonegatively impact your credit for an issue that was caused by incorrect processingYou wantthe charges reversed and for the Bank to stop calling your cell and work phone.Please accept our sincere apology for the frustration and inconvenience you have experienced.It is never the Bank’s intentions to cause a customer a hardship.After reviewing your account, our records indicate that you charged $to your account onJanuary 10, A payment for $was received on March 4, We had no record ofa return made to your account; as such, a balance was left on the accountAs no payment wasreceived, the account accrued late fees and finance charges, and was reported delinquent tothe credit bureaus.The Bank received a telephone dispute from you on March 30, 2016, regarding a missing returncredit for $On April 6, 2016, a letter was sent to you that indicated in order to correctyour account, we needed a copy of the return receipt.Please be assured that I contacted Victoria’s Secret regarding the returnThey were able tolocate the transaction and confirmed that the return for $was processedUnfortunately,the return was credited to another customer’s account in errorWe have corrected the error andissued a $credit to your accountAdditionally, we issued credits totaling $toremove the late fees and finance charges that were previously assessedAs a result of thesecredits, your account has a credit balance of $I issued a refund check to you for $5.04that will be received separately from this letterIn addition, as requested, we have placed a “Never Call” status on your cell phone numberending in and your business phone number ending in Additionally, we sentnotification to the national credit-reporting agencies with instructions to delete the negativepayment information from your credit filePlease allow the credit-reporting agencies days toupdate their records.You are a valued customerAgain, we sincerely apologize for the frustration and inconveniencethis matter has caused youIf you have any further questions or concerns, please do nothesitate to contact me at 1.800.675.5685, ext*** (TDD/TTY 1.800.695.1788)I will behappy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
Dear Ms***We received your recent complaint regarding the account noted aboveComenity Bank issues Peeblescredit cards and we are here to help with your account-related questions and concernsYour inquiry.addressed to the Revdex.com, was forwarded to my attention and I appreciate
the opportunityto assist you.I understand from your complaint, On April 3, 2015, you went to the Peebles store to pay your Peeblescharge card off in fullWhile securing your payment by check for $92.63, the store associates informedyou that their check scanner was not working, and was unable to accurately read your checkYou thenused an alternate method of payment, and secured the balance In full payment of $using your debitcardYou later found out that the payment of $had been deblted out of your checking accounttwice, once as an ACH debit, and again as a point of sale (POS) payment.In addition, you have provided Comenjty Bank with your Bank statements, which confirms two (2)withdrawals in the amount of $on April 3, 2015, and an additional withdrawal of $on April 6,Since th~sin itial payment, you have opened several disputes in regards to this matter, and to date,this matter has not been resolved.You are requesting Cornenity Bank to issue you a full refund in the amount of $The Bankapologizes for any frustration or inconvenience you have experienced as a result of this matter.Bank records indicated, on July 6, 2015, the proper documentation was provided to show proof of thedouble withdrawals from your personal checking account.Please be assured, in the interest of customer service, a refund check in the amount of $95.13, whichincludes a finance charge of $2.50, has been issued separatelyPlease allow up to business days toreceive the refund.I hope you find this information to be helpfulShould you have additional questions or concerns aboutthis issue, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would behappy to assist you.Sincerely,Geanine M*** *** ***
We received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues LOVE LOFT credit card accounts, and we are here to help with your account-related questions Your complaint, sent on behalf of *** ** ***, was forwarded to
my attention, and I appreciate the opportunity to assist you. Please note, the Bank has responded to *** *** directly, as she is the primary cardholder on the account. We hope this information is helpful. Should you have questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Tionna M***Consumer Relations Specialist CC: Revdex.com