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***
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***
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 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**
*** *** * *** ***
***
*** *** *** ***
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**
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***
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
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,*** *** *** *** *** ***
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*** *** ***
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
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***
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
“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!
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 $for a paymentPlease be assured our dispute resolution team is currently working to resolve your disputePlease also be aware, dispute investigations may take up to ninety days to completeUpon completion of our investigation, we will notify you of our findings by mailWe appreciate your patience while we conduct our investigation. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Alyson F*
On the paper I sent to you all I was a refund check and one was a bill where it had -$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.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,
*** ***
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues RH credit card amounts, and we respnd to allaccount-related inquiriesYour concerns were forwarded to my attention, and I appreciate theopportunity to assist you.We understand that you recently filed a Revdex.com complaint regarding thedistribution of payments on your previous deferred payment plans and the finance chargesassessed to your accountYou state that you were misled when your second purchase was madeat the RH storeYou have requested that all finance charges assessed to your account becreditedWe would like to apologize for any inconvenience this matter may have caused you.Thank you for speaking with me regarding your concerns with your RH credit card accountAs afollow up to our discussion, please be assured that a total of $1,in finance charges havebeen credited to the accountA previous finance charge credit of $was applied to youraccount and is reflected on your July statementThese adjustments remove all financecharges assessed to the accountIn the interest of customer service, we have also credited anadditional $1,This adjustment will bring the revolving balance to zeroYour account willstill have a remaining balance of $4,This balance is split between four month waivedinterest equal payment plansThese plans expire on December 3, 2017, Decernber 4, 2017,December 18, and December 19, Please note that the plans must be paid in full by the plan expiration dates in order to avoid interest from being assessed to the account.We appreciate your business and value you as our customerIf you have any questions orconcerns regarding your account, please feel free to contact me at ###-###-####ext***(TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Kassy M***Consumer Relations SpecialistCC: Revdex.com
Dear *** ***:Thank you for contacting Comenity Bank regarding the above-referenced accountAs the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questionsYour complaint, submitted to the Revdex.com, was forwarded to my
attention, and I appreciate the opportunity to assist you.We understand from your complaint that you do not recognize this credit card account, as it appears on your credit report, and you want to know if the account was opened fraudulentlyPlease be assured that we reviewed our records and we are happy to share our findings with you.Bank records indicate that the Victoria’s Secret/PINK account was opened in your name on August 18, 2012, via Victoria’s Secret store #***; location: *** *** *** *** *** ***The account was never used for purchases and has a zero balanceHowever, the account still reflected as open in our records.Oftentimes, when shopping in the store, you will be asked if you would like to open a credit card account in order to save a percentage off of your first purchaseWe sincerely apologize for any confusion or inconvenience you have experienced as a result of this matter.Please be assured that we have closed the Victoria’s Secret/PINK accountAdditionally, we sent notification to the national credit-reporting agencies with instructions to delete the account, in its entirety, from your credit filePlease allow the credit-reporting agencies days to update their records.If you believe that you are a victim of fraud, we strongly encourage you to contact the credit-reporting agencies to place a fraud alert on your credit fileThey can be reached using the following information.Again, we apologize for the inconvenience and 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***
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the metrostyle credit card. We are here to answer your questions and assist with your concerns We understand from your additional complaint that you have spoken to metrostyle several times regarding the returns and they confirmed that the merchandise was returned. You state the Bank refuses to confirm this information and the $late fee assessed, was to be waived. The account should not have been closed. You also state the account being charged off and sold has affected your credit report. I am happy to share my findings Please find a summary below of how the balance was calculated on the March 6, 2016, billing statement. Due to no payments received for the balance of $97.33; and thereafter, the account was charged off on October 6, Bank records indicate there was a billing statement issued on December 6, 2015, with a balance of $and a minimum payment of $due by January 1, 2016. No payment was received and a $late fee and a finance charge of $were assessed to the balance, as explained in the Credit Card Agreement On December 30, 2015, two purchases posted to the account in the amount of $and $89.95, totaling $192.89. There was a billing statement issued on January 6, 2016, with a balance of $and a minimum payment of $due by February 1, On January 7, 2016, a payment for $posted to the account and the account received a return credit for $on January 14, 2016. There was a finance charge assessed of $4.04. On February 4, 2016, a statement was issued with a balance of $and a minimum payment of $due by March 1, On February 18, 2016, the account received a return credit of $89.95. A finance charge was assessed of $2.84. A statement was issued on March 6, 2016, with an outstanding balance of $and a minimum payment of $due by April 1, Please be advised that after the merchandise was credited, you were still held responsible for the shipping and handling for both purchases, which totaled $In addition to the late fee of $20.00, the finance charges of $2.63, $4.04, and $and the remaining balance from the December 6, 2015, billing statement of $which was not paid in full. This created an outstanding balance of $ There was a late fee credit on November 3, 2015, for $20.00. After reviewing the telephone calls, there was no call that indicated an additional late fee credit would be given Please be advised Comenity Bank is no longer reporting the account as of November 28, For assistance with payment arrangements, please contact *** *** 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, KaiM***
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***
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***
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***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
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 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**
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***
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
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,*** *** *** *** *** ***
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*** *** ***
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
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***
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
“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!
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 $for a paymentPlease be assured our dispute resolution team is currently working to resolve your disputePlease also be aware, dispute investigations may take up to ninety days to completeUpon completion of our investigation, we will notify you of our findings by mailWe appreciate your patience while we conduct our investigation. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Alyson F
On the paper I sent to you all I was a refund check and one was a bill where it had -$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.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,
*** ***
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues RH credit card amounts, and we respnd to allaccount-related inquiriesYour concerns were forwarded to my attention, and I appreciate theopportunity to assist you.We understand that you recently filed a Revdex.com complaint regarding thedistribution of payments on your previous deferred payment plans and the finance chargesassessed to your accountYou state that you were misled when your second purchase was madeat the RH storeYou have requested that all finance charges assessed to your account becreditedWe would like to apologize for any inconvenience this matter may have caused you.Thank you for speaking with me regarding your concerns with your RH credit card accountAs afollow up to our discussion, please be assured that a total of $1,in finance charges havebeen credited to the accountA previous finance charge credit of $was applied to youraccount and is reflected on your July statementThese adjustments remove all financecharges assessed to the accountIn the interest of customer service, we have also credited anadditional $1,This adjustment will bring the revolving balance to zeroYour account willstill have a remaining balance of $4,This balance is split between four month waivedinterest equal payment plansThese plans expire on December 3, 2017, Decernber 4, 2017,December 18, and December 19, Please note that the plans must be paid in full by the plan expiration dates in order to avoid interest from being assessed to the account.We appreciate your business and value you as our customerIf you have any questions orconcerns regarding your account, please feel free to contact me at ###-###-####ext***(TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Kassy M***Consumer Relations SpecialistCC: Revdex.com
Dear *** ***:Thank you for contacting Comenity Bank regarding the above-referenced accountAs the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questionsYour complaint, submitted to the Revdex.com, was forwarded to my
attention, and I appreciate the opportunity to assist you.We understand from your complaint that you do not recognize this credit card account, as it appears on your credit report, and you want to know if the account was opened fraudulentlyPlease be assured that we reviewed our records and we are happy to share our findings with you.Bank records indicate that the Victoria’s Secret/PINK account was opened in your name on August 18, 2012, via Victoria’s Secret store #***; location: *** *** *** *** *** ***The account was never used for purchases and has a zero balanceHowever, the account still reflected as open in our records.Oftentimes, when shopping in the store, you will be asked if you would like to open a credit card account in order to save a percentage off of your first purchaseWe sincerely apologize for any confusion or inconvenience you have experienced as a result of this matter.Please be assured that we have closed the Victoria’s Secret/PINK accountAdditionally, we sent notification to the national credit-reporting agencies with instructions to delete the account, in its entirety, from your credit filePlease allow the credit-reporting agencies days to update their records.If you believe that you are a victim of fraud, we strongly encourage you to contact the credit-reporting agencies to place a fraud alert on your credit fileThey can be reached using the following information.Again, we apologize for the inconvenience and 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***
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the metrostyle credit card. We are here to answer your questions and assist with your concerns We understand from your additional complaint that you have spoken to metrostyle several times regarding the returns and they confirmed that the merchandise was returned. You state the Bank refuses to confirm this information and the $late fee assessed, was to be waived. The account should not have been closed. You also state the account being charged off and sold has affected your credit report. I am happy to share my findings Please find a summary below of how the balance was calculated on the March 6, 2016, billing statement. Due to no payments received for the balance of $97.33; and thereafter, the account was charged off on October 6, Bank records indicate there was a billing statement issued on December 6, 2015, with a balance of $and a minimum payment of $due by January 1, 2016. No payment was received and a $late fee and a finance charge of $were assessed to the balance, as explained in the Credit Card Agreement On December 30, 2015, two purchases posted to the account in the amount of $and $89.95, totaling $192.89. There was a billing statement issued on January 6, 2016, with a balance of $and a minimum payment of $due by February 1, On January 7, 2016, a payment for $posted to the account and the account received a return credit for $on January 14, 2016. There was a finance charge assessed of $4.04. On February 4, 2016, a statement was issued with a balance of $and a minimum payment of $due by March 1, On February 18, 2016, the account received a return credit of $89.95. A finance charge was assessed of $2.84. A statement was issued on March 6, 2016, with an outstanding balance of $and a minimum payment of $due by April 1, Please be advised that after the merchandise was credited, you were still held responsible for the shipping and handling for both purchases, which totaled $In addition to the late fee of $20.00, the finance charges of $2.63, $4.04, and $and the remaining balance from the December 6, 2015, billing statement of $which was not paid in full. This created an outstanding balance of $ There was a late fee credit on November 3, 2015, for $20.00. After reviewing the telephone calls, there was no call that indicated an additional late fee credit would be given Please be advised Comenity Bank is no longer reporting the account as of November 28, For assistance with payment arrangements, please contact *** *** 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, KaiM***