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 are in receipt of your complaint regarding the above-referenced accountComenity Bank issues Peebles credit card accounts and we respond to all account-related questions. Your complaint, addressed to the Revdex.com, was
forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from the complaint, you received a refund check from Comenity Bank totaling $106.90, for a matter resulting from a mis-posted payment of $100.00, that was posted to another Peebles credit card account in error. However, you advise you received your July, August, and September monthly billing statements, which reflect the payment of $100.00, was added back to your credit card account as a debt that you now owe. You advise you spoke with an account manager in our customer service department who stated that the $payment had not posted to your Peebles credit card account, and she initiated an additional dispute to resolve this matter.You are requesting that Comenity Bank provide you with a detailed letter outlining our resolution.We apologize for any frustration or inconvenience this matter may have caused you. Please be assured, Comenity Bank has reviewed the concerns in your complaint, as well as the applicable telephone conversations, and we would like to share our findings.The payment of $100.00, was mis-posted on March 30, 2016, to an alternate Peebles credit card account. In April 2016, you initiated a dispute referencing the payment of $100.00. Please note, while Comenity Bank investigates a dispute, a temporary credit will be issued, which will appear on your billing statement as a “provisional credit”, and a finance charge credit. The provisional credit may remain on your account, if the dispute is found in your favor, if not, the provisional credit will be reversed, and added back to your account as a debit.On May 13, 2016, a provisional credit of $100.00, and a credit of $in finance charges, was credited to your account as a provisional credit while we investigated the dispute. On May 16, 2016, a credit of $posted to your account for the payment made in store on March 30, 2016. Therefore, on May 17, 2016, the provisional credit of $was added back to your account. However, on May 24, 2016, another credit of $100.00, for the mis-posted payment was applied to your account. Please review the enclosed billing statement issued on June 5, 2016. This statement reflects the activity related to the payment made in store on March 30, 2016. All adjustments mentioned reflect a transaction date of March 30, To resolve the double credit, on August 5, 2016, a $mis-posted payment debit of $was added to your accountThis also reflects a transaction date of March 30, 2016, as it relates to the store payment of $on March 30, 2016. This activity is reflected on your billing statement issued on August 6, 2016, which is also enclosed for your review As of today’s date, the account balance is $ We apologize for the manner in which your account was handled. Please be assured that matters of this nature are referred to management, so additional coaching/training may be provided to our associates as necessaryAs an apology, Comenity Bank has issued a $gift card that you will receive in a separate mailing. Please allow up to 7-business days for the gift card to be received.I hope you find this information helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Geanine M***
April 12, * *** *** *** *** *** *** ** *** *
*** *** *** *** *** *** *** *** ** ***
*** *** *** *** ** *** Dear
*** ***: We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank previously issued Value City Furniture credit card accounts, and we respond to account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that you have been requesting to close your account since 2008, and your account is still being reported to the three credit-reporting agencies as an open account. You state that when you contacted Comenity Bank you were advised that your account was closedYou would like a letter confirming the account is closed and that this information has been reported to all three credit-reporting agencies. We apologize for any inconvenience or frustration you may have suffered because of this matter Please be advised that the account has been purged from our records. A review of the information being reported in regard to the account did indicate that the credit-reporting agencies are still reporting the account as openPlease be assured that instructions were sent to the national credit-reporting agencies to delete the above mentioned account, in its entirety, from your credit report. Please allow the credit-reporting agencies days to update their records In the meantime, please use this letter as confirmation that you do not have an open/active Value City Furniture account with Comenity Bank We hope this information is helpful. Should you have additional questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H*** Consumer Relations Specialist CC: Revdex.com Tell us why here
Dear *** *** Comenity Bank (Bank) has received your correspondence. We are here to answer your questions and assist with your concerns We understand from your additional complaint you feel the Bank has failed to work with the data provided As advised in our prior responses, we are unable to assist further with this matter, as we have no active account linked to the phone number you provided, and no additional information has been provided to allow the Bank to assist you further 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 *** ** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.
You state that although you closed the above-referenced account in May of 2016, you continued to pay the billYou further state a $deduction was taken out of your checking account on January 31, 2017, by Victoria’s Secret; however, no one seems to know whyWhen you called Victoria’s Secret, you were advised that they do not see where the $was taken out of your checking accountWe sincerely apologize for any frustration or inconvenience this matter may have caused you. We have reviewed our records and we are happy to share our findingsOur records indicate on December 26, 2016, you made a payment of $at a Victoria’s Secret retail storeOn January 4, 2017, you spoke with a member of the Bank’s Customer Care teamDuring that conversation, you stated that your payment made at the store was returned and you asked the representative if the payment would be processed a second time On February 6, 2017, our Billings Dispute team received a letter from you stating that a few days after you made the payment, you called your bank and found out that your check was returnedOnce you found out that the payment was returned, you contacted Comenity Bank, by phone and you were told that the Bank had no record of your payment being returnedOn January 20, 2017, the payment of $cleared your bank; however, on January 31, 2017, $was withdrawn from your checking account by Victoria’s SecretIn response to your dispute, on February 13, 2017, a letter was sent to you advising that the Bank had no record of a payment being returned, and suggested that you reach out to your financial institutionWe have enclosed a copy of our response for your review Please be advised, if a payment made at a retail store is returned, a returned check fee may be assessed to a customer’s checking accountPlease also be advised, because the fee was assessed to your personal checking account, and as the $payment did go through the second time that it was submitted by the store, Comenity Bank representatives had no record of the payment being returned. Thank you for speaking with me on March 10, Please be assured, in the interest of customer service, we issued a credit of $to your account, which resulted in a credit balanceWe have issued a refund check for $Please allow days to receive this refund check, as it is being sent in a separate mailing. Please be assured the above-referenced account was closed, at your request on May 11, 2016. I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me. Please thank Geanine M*** for her consideration, understanding, and appreciated restoration of my credit score and for reinstating my Dressbarn and Victoria's Secret credit card use and limits
Regards, *** ***
Dear Mrs***: We received a complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank previously issued American credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,
and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you lost your job last year due to health reasons and attempted to setup payment arrangements; however, as an authorized buyer you were not able to do so. You state you were offered a settlement for half of the amount due, but were not able to set up an arrangementA letter was received stating that the account had been entered into a program to catch up, and then the next month you received a call advising that the Bank may take legal action for the amount owed. You then called back and explained that last year you set up payments for months to pay off the balance before the account was charged off, and you state you were advised that due to your documented attempts to resolve the account, all late payments would be removed from your credit report. You are requesting that all late payments for the last months be removed. We are required to reflect the participation of both spouses on an account if the accountholder’s spouse is permitted to use the account As an authorized user of the American account, we are required to report the American credit card account to your credit file. Your credit report will show you are an authorized user on the account and not contractually liable for the balance due. If you no longer wish to have this account report on your credit bureau report, please contact us to be removed as an authorized user from this account. You may reach Customer Care at ###-###-#### (TDD/TTY ###-###-####). I hope this information has been helpful. If you have any further questions, please contact Customer Care, they will be happy to assist youPlease be advised that we have reached out to the primary accountholder directly regarding this matter. Sincerely, Ashley H***
Dear *** *** We received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues ANN TAYLOR credit card accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to address your concerns We understand from your complaint that you paid the entire credit card bill, by phone on August 1, After delays and difficulties paying using the automated function, you spoke to a representative and asked to pay off the balance, including any fees you had incurredYou stated that you did not receive a statement at your address and could not access the statements onlineAs you was not notified that the account was charged a $late fee. You requested to be refunded for the $fees and to verify that the representative confirmed that the balance was reduced to zero. On behalf of the Bank, I would like to extend a sincere apology for the manner in which your account was handled, and for the frustration and inconvenience you experienced. Please be assured that matters of this type are reviewed with management so that additional training or coaching can be provided to our associates. Your opinion of the service provided is important to us, and we appreciate the time you spent notifying us of your concerns. Our records indicate that the account was opened on March 20, 2010. Use of the account, or failure to close the account within 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. The account billed on July 1, 2016, with a balance of $and a minimum payment of $due by July 27, 2016. As no payment was received, a late fee and finance charge were assessed to the account, in accordance with the CCA On August 1, 2016, you spoke with the Bank’s representative and a payment by phone was processed for $251.02, scheduled for August 1, 2016. In that phone call the representative advised that the payment will pay the balance in full and your account balance will be zero Unfortunately, on the same day, the account billed, a late fee was applied to your account, resulting in an outstanding balance. In the interest of customer service, we have issued a credit of $60.00, for the late fees, finance charge, and the payment by phone fee that were previously assessed to the accountThese credits resulted in a $credit balance, and a refund check of $has been issued. In addition, on September 12, 2016, a credit card was issued; as you requested. Please expect to receive the refund check and credit card within days We hope you find this information helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Tionna M***
We received the correspondence you sent to the Revdex.com (Revdex.com), regarding the above-noted accountsYour correspondence was forwarded to Comenity Bank (Bank)Comenity Bank issues Bergner’s and Victoria’s Secret credit card accounts, and we are here to help answer account-related
questionsI appreciate the opportunity to assist you with your concerns
We understand from your correspondence you changed banks and updated the checking information on both of the above accountsHowever, when you made a payment, these payments were rejected and a $returned check fee was added to each accountYou further state that you contacted Comenity Bank and were informed to contact us in writing and we might remove the fees
We apologize for the inconvenience this may have caused you and would like to take this time to explain our findings
Bank records indicate on October 4, 2016, you made a payment through Account Center for $30.00, which was credited to your Bergner’s accountOn October 11, 2016, we received notification from your banking institution that this payment was returned because the bank account ending in *** was closedSince this payment was credited to your Bergner’s account, then returned as “bank account closed”, the Bank debited the $payment back to your account, and assessed a returned check fee of $
Further records show on October 13, 2016, you made a new payment of $and updated Account Center with new checking account information ending in
On October 10, 2016, Bank records indicate you made a payment of $30.00, which was credited to your Victoria’s Secret accountOn October 14, 2016, we received notification from your banking institution that this payment was also returned because the bank account ending in *** was closedSince we credited this payment to your Victoria’s Secret account, then it was returned as “bank account closed”, Comenity Bank debited this payment of $back to your account, and assessed a returned check fee of $
After a thorough investigation, and in the interest of customer service, Comenity Bank is no longer holding you responsible for the two returned check feesA credit of $will appear on your next Bergner’s billing statement dated November 16, 2016, and your Victoria’s Secret billing statement dated November 15, 2016, will reflect a credit of $for the returned check fee
Please be assured this has not caused any negative marks on your credit reportIn addition, we have closed the Bergner’s account as you requested when communicating to the Bank via Account CenterIf in the future you would like to apply for a new account, you may apply in your local store, or on-line at http://comenity.net/bergners
I hope you find this information helpfulIf you have any further questions about the accounts, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you
Sincerely,
Jack C*** Jack Cantrell
Consumer Relations Specialist
cc: Revdex.com
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveAs the bank that issues DentalFirst Financing credit accounts, Comenity Capital Bank is here to help with your account-related concernsI appreciate the
opportunity to assist you. We understand from your complaint that you visited *** *** for wisdom tooth removal and received a quote which you agreed to finance with DentalFirstYou opted to terminate the procedure and financing after getting a second opinionYou contacted DentalFirst and they confirmed the financing would be cancelled and the account clearedTwo months later you received a bill for $2,You state you contacted DentalFirst and the balance was clearedRecently, you attempted to receive a personal loan and you were denied due to a delinquency being reported by the Bank in regard to the DentalFirst Financing accountYou request that your credit history is corrected immediatelyWe apologize for the frustration you may have experienced as a result of this situation. Please be assured that an emergency credit bureau update has been sent to the national credit-reporting agencies with instructions to remove the delinquencies being reported for October and November of 2013. Please allow the credit agencies 30-days to update their records. We hope you find this information helpfulShould you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Diamond L***
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***
The only wmail that I have gotten is to let me know thst you have closed this complaintI dud not get a notice letting me know that you received a answer from comenity bank.I am not satisfied with this complaintThey admitted the mistake but still did not reimburse me for their mistakeThis has not been resolved.Thank youTara P***###-###-####
Dear *** ***We received the inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues ANN TAYLOR/LOVELOFT credit card accounts, and we are here to help with your account-related questions. Your inquiry was forwarded to my
attention, and I appreciate the opportunity to address your concernsWe understand from your correspondence, you ordered two pairs of pants, sizes 12, and from Ann Taylor/LOFT online. You never received either pair, instead, you were shipped a different pair of pants in the wrong size. You returned those pants You stated that LOFT/Comenity Bank refunded you the cost of the merchandise but not the cost of shipping. You are requesting a refund of the $shipping charge, for the order you never received.Please be advised Comenity Bank and Ann INCare two separate entities. Comenity Bank is responsible for addressing questions related to ANN TAYLOR/LOVELOFT credit card accounts, while Ann INCis responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. Please be advised when a customer orders merchandise from Ann Taylor/LOFT catalog, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling When the merchandise is returned, the account is credited for the merchandise and the applicable sales tax. Ann Taylor/LOFT does not refund shipping and handling charges. In addition, if the provided return label is used to return the package, the return label fee is also charged to the accountAfter a thorough review of our records, we are unable to locate a ANN TAYLOR/LOVELOFT account using the information provided. We are unable to review the account without having additional information to research your concerns. Please provide the following information:Complete Comenity Bank Account NumberAny Previous AddressesHome Telephone Number as listed on accountThis information may be mailed to my attention at the address listed above or faxed to ###-###-####. Once this information is received, we should be able to locate the account and further research your concerns. We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter, and we hope you find this information helpful. Should you have any further questions or concerns, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely,Tionna M***
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*** *** ***
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Gander Mountain MasterCard credit card accountsWe are here to answer your questions and assist with your concerns. We previously responded
to your correspondence regarding this matterAs previously stated, your account balance is zeroPlease find enclosed a copy of our response sent to you on May 2, 2017. I hope you found this information to be helpfulShould you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####. Sincerely, *** ***
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 Z Gallerie credit cardWe are here to answer your questions and assist with your concerns You state you signed up for a Z Gallerie
credit card through the Bank because of the promised rewardsYou further state, you were supposed to receive $in Z Gallerie gift cards; however, they were never receivedYou contacted the Bank within the first three months regarding this matter and at that time you were told the rewards were being resentYou called again in November of 2016, and you were told the same thingHowever, when you called back in March of 2017, you were told they failed to resend the rewards, as Z Gallerie denied the request because it had been over daysYou state you were unaware there was a day window and when you contacted Z Gallerie, you were told that you would need to contact the BankYou are requesting to receive your store credit as promisedWe sincerely apologize for any inconvenience or frustration this matter may have caused you Our records indicate a purchase of $3,posted to the account on February 15, On March 2, 2016, a Z Gallerie reward for $was mailed to the address of North Wells Street, Apartment 2402, Chicago, Illinois Based upon your complaint, the Bank reviewed the applicable phone conversations On March 19, 2016, you spoke with a representative of the BankYou inquired about the rewards and the representative advised that a $Z Gallerie reward had been mailed On November 8, 2016, you spoke with another representative of the BankDuring that conversation, you advised the representative that you never received your rewardAlthough the representative stated that a new rewards certificate was requested, no reward certificate was issuedWe apologize for the misinformation that was givenMatters of this nature are referred to management so additional coaching/training can be provided to our associatesComenity Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that Please be advised, Z Gallerie reward certificates expire days from the date they are issuedExpired rewards are unable to be replaced On March 17, 2017, you contacted the Bank and advised you never received your rewards certificateWhen you spoke with representatives of the Bank, you were advised that expired rewards are unable to be reissued. Please be assured, in the interest of customer service, we are issuing a new $Z Gallerie reward certificatePlease allow four to six weeks to receive the reward certificate, which will be sent via mail I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R***
Not sure if I made myself clear or notOn the last letter you mentioned that Comenity Bank is obligated to report factual data to the national credit-reporting agenciesHow come Comenity Bank didn't report factual data for the past three years? If you see the attachment from June 3, is my credit reportThe score for Equifax is On page three it shows all the reporting from Comenity BankJune 2014-April comenity is reporting as FPWe both know that's not true because we settle this account on April For two years you guys reported the wrong informationIf you open the second attachment which is June 10, is when I pulled my credit report again after I disputed the charge from you guys with Equifax and you came back to Equifax and said that everything is correctWell my score dropped from to The reason why is because on May you guys reported on May as "OK" and didn't change the previous monthsMy credit dropped points because of this changeIt will take me months for my credit to go back to my previous score againAs you see from my credit report Equifax is the worse because of Comenity Bank.You have been notified that your actions are detrimental to me and that your firm has violated (including but not limited to) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices ActYour firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmedCommunicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to: Equifax, Experian, and Trans Union
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damagesI am also very upset at your firm's intentional infliction of emotional distress and at the other diminishments of the quality of my lifeI am now demanding the immediate and complete removal of this tradeline
from my credit reports (Equifax, Experian, and Trans Union)As I am currently attempting to apply for credit, time is of the essencePlease understand that I am extremely concerned about the consequences of the actions your firm is having on my lifePlease be advised that, if this matter is not resolved by days, I will take any and all necessary steps to protect my rights.This will proceed in court until I have successfully proven to a judge that this information must be removed from my credit fileI will also be aggressively pursuing the full judgment that I can get against Community Bank for violation of the Fair Credit Reporting Act and Defamation
*** ***
Please pass on my appreciation to *** *** of the dispute resolution teamI received a statement from Comenity Bank, Westgate Mastercard on 9/2/The statement shows a credit of $6,plus credits for all late charges and interestThe balance is now "0"I consider it now closedThis could have happened without your help! Thank you!
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 are in receipt of your complaint regarding the above-referenced accountComenity Bank issues Peebles credit card accounts and we respond to all account-related questions. Your complaint, addressed to the Revdex.com, was
forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from the complaint, you received a refund check from Comenity Bank totaling $106.90, for a matter resulting from a mis-posted payment of $100.00, that was posted to another Peebles credit card account in error. However, you advise you received your July, August, and September monthly billing statements, which reflect the payment of $100.00, was added back to your credit card account as a debt that you now owe. You advise you spoke with an account manager in our customer service department who stated that the $payment had not posted to your Peebles credit card account, and she initiated an additional dispute to resolve this matter.You are requesting that Comenity Bank provide you with a detailed letter outlining our resolution.We apologize for any frustration or inconvenience this matter may have caused you. Please be assured, Comenity Bank has reviewed the concerns in your complaint, as well as the applicable telephone conversations, and we would like to share our findings.The payment of $100.00, was mis-posted on March 30, 2016, to an alternate Peebles credit card account. In April 2016, you initiated a dispute referencing the payment of $100.00. Please note, while Comenity Bank investigates a dispute, a temporary credit will be issued, which will appear on your billing statement as a “provisional credit”, and a finance charge credit. The provisional credit may remain on your account, if the dispute is found in your favor, if not, the provisional credit will be reversed, and added back to your account as a debit.On May 13, 2016, a provisional credit of $100.00, and a credit of $in finance charges, was credited to your account as a provisional credit while we investigated the dispute. On May 16, 2016, a credit of $posted to your account for the payment made in store on March 30, 2016. Therefore, on May 17, 2016, the provisional credit of $was added back to your account. However, on May 24, 2016, another credit of $100.00, for the mis-posted payment was applied to your account. Please review the enclosed billing statement issued on June 5, 2016. This statement reflects the activity related to the payment made in store on March 30, 2016. All adjustments mentioned reflect a transaction date of March 30, To resolve the double credit, on August 5, 2016, a $mis-posted payment debit of $was added to your accountThis also reflects a transaction date of March 30, 2016, as it relates to the store payment of $on March 30, 2016. This activity is reflected on your billing statement issued on August 6, 2016, which is also enclosed for your review As of today’s date, the account balance is $ We apologize for the manner in which your account was handled. Please be assured that matters of this nature are referred to management, so additional coaching/training may be provided to our associates as necessaryAs an apology, Comenity Bank has issued a $gift card that you will receive in a separate mailing. Please allow up to 7-business days for the gift card to be received.I hope you find this information helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Geanine M***
April 12, * *** *** *** *** *** *** ** *** *
*** *** *** *** *** *** *** *** ** ***
*** *** *** *** ** *** Dear
*** ***: We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank previously issued Value City Furniture credit card accounts, and we respond to account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that you have been requesting to close your account since 2008, and your account is still being reported to the three credit-reporting agencies as an open account. You state that when you contacted Comenity Bank you were advised that your account was closedYou would like a letter confirming the account is closed and that this information has been reported to all three credit-reporting agencies. We apologize for any inconvenience or frustration you may have suffered because of this matter Please be advised that the account has been purged from our records. A review of the information being reported in regard to the account did indicate that the credit-reporting agencies are still reporting the account as openPlease be assured that instructions were sent to the national credit-reporting agencies to delete the above mentioned account, in its entirety, from your credit report. Please allow the credit-reporting agencies days to update their records In the meantime, please use this letter as confirmation that you do not have an open/active Value City Furniture account with Comenity Bank We hope this information is helpful. Should you have additional questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H*** Consumer Relations Specialist CC: Revdex.com Tell us why here
Dear *** *** Comenity Bank (Bank) has received your correspondence. We are here to answer your questions and assist with your concerns We understand from your additional complaint you feel the Bank has failed to work with the data provided As advised in our prior responses, we are unable to assist further with this matter, as we have no active account linked to the phone number you provided, and no additional information has been provided to allow the Bank to assist you further 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 *** ** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.
You state that although you closed the above-referenced account in May of 2016, you continued to pay the billYou further state a $deduction was taken out of your checking account on January 31, 2017, by Victoria’s Secret; however, no one seems to know whyWhen you called Victoria’s Secret, you were advised that they do not see where the $was taken out of your checking accountWe sincerely apologize for any frustration or inconvenience this matter may have caused you. We have reviewed our records and we are happy to share our findingsOur records indicate on December 26, 2016, you made a payment of $at a Victoria’s Secret retail storeOn January 4, 2017, you spoke with a member of the Bank’s Customer Care teamDuring that conversation, you stated that your payment made at the store was returned and you asked the representative if the payment would be processed a second time On February 6, 2017, our Billings Dispute team received a letter from you stating that a few days after you made the payment, you called your bank and found out that your check was returnedOnce you found out that the payment was returned, you contacted Comenity Bank, by phone and you were told that the Bank had no record of your payment being returnedOn January 20, 2017, the payment of $cleared your bank; however, on January 31, 2017, $was withdrawn from your checking account by Victoria’s SecretIn response to your dispute, on February 13, 2017, a letter was sent to you advising that the Bank had no record of a payment being returned, and suggested that you reach out to your financial institutionWe have enclosed a copy of our response for your review Please be advised, if a payment made at a retail store is returned, a returned check fee may be assessed to a customer’s checking accountPlease also be advised, because the fee was assessed to your personal checking account, and as the $payment did go through the second time that it was submitted by the store, Comenity Bank representatives had no record of the payment being returned. Thank you for speaking with me on March 10, Please be assured, in the interest of customer service, we issued a credit of $to your account, which resulted in a credit balanceWe have issued a refund check for $Please allow days to receive this refund check, as it is being sent in a separate mailing. Please be assured the above-referenced account was closed, at your request on May 11, 2016. I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me. Please thank Geanine M*** for her consideration, understanding, and appreciated restoration of my credit score and for reinstating my Dressbarn and Victoria's Secret credit card use and limits
Regards, *** ***
Dear Mrs***: We received a complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank previously issued American credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,
and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you lost your job last year due to health reasons and attempted to setup payment arrangements; however, as an authorized buyer you were not able to do so. You state you were offered a settlement for half of the amount due, but were not able to set up an arrangementA letter was received stating that the account had been entered into a program to catch up, and then the next month you received a call advising that the Bank may take legal action for the amount owed. You then called back and explained that last year you set up payments for months to pay off the balance before the account was charged off, and you state you were advised that due to your documented attempts to resolve the account, all late payments would be removed from your credit report. You are requesting that all late payments for the last months be removed. We are required to reflect the participation of both spouses on an account if the accountholder’s spouse is permitted to use the account As an authorized user of the American account, we are required to report the American credit card account to your credit file. Your credit report will show you are an authorized user on the account and not contractually liable for the balance due. If you no longer wish to have this account report on your credit bureau report, please contact us to be removed as an authorized user from this account. You may reach Customer Care at ###-###-#### (TDD/TTY ###-###-####). I hope this information has been helpful. If you have any further questions, please contact Customer Care, they will be happy to assist youPlease be advised that we have reached out to the primary accountholder directly regarding this matter. Sincerely, Ashley H***
Dear *** *** We received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues ANN TAYLOR credit card accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to address your concerns We understand from your complaint that you paid the entire credit card bill, by phone on August 1, After delays and difficulties paying using the automated function, you spoke to a representative and asked to pay off the balance, including any fees you had incurredYou stated that you did not receive a statement at your address and could not access the statements onlineAs you was not notified that the account was charged a $late fee. You requested to be refunded for the $fees and to verify that the representative confirmed that the balance was reduced to zero. On behalf of the Bank, I would like to extend a sincere apology for the manner in which your account was handled, and for the frustration and inconvenience you experienced. Please be assured that matters of this type are reviewed with management so that additional training or coaching can be provided to our associates. Your opinion of the service provided is important to us, and we appreciate the time you spent notifying us of your concerns. Our records indicate that the account was opened on March 20, 2010. Use of the account, or failure to close the account within 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. The account billed on July 1, 2016, with a balance of $and a minimum payment of $due by July 27, 2016. As no payment was received, a late fee and finance charge were assessed to the account, in accordance with the CCA On August 1, 2016, you spoke with the Bank’s representative and a payment by phone was processed for $251.02, scheduled for August 1, 2016. In that phone call the representative advised that the payment will pay the balance in full and your account balance will be zero Unfortunately, on the same day, the account billed, a late fee was applied to your account, resulting in an outstanding balance. In the interest of customer service, we have issued a credit of $60.00, for the late fees, finance charge, and the payment by phone fee that were previously assessed to the accountThese credits resulted in a $credit balance, and a refund check of $has been issued. In addition, on September 12, 2016, a credit card was issued; as you requested. Please expect to receive the refund check and credit card within days We hope you find this information helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Tionna M***
We received the correspondence you sent to the Revdex.com (Revdex.com), regarding the above-noted accountsYour correspondence was forwarded to Comenity Bank (Bank)Comenity Bank issues Bergner’s and Victoria’s Secret credit card accounts, and we are here to help answer account-related
questionsI appreciate the opportunity to assist you with your concerns
We understand from your correspondence you changed banks and updated the checking information on both of the above accountsHowever, when you made a payment, these payments were rejected and a $returned check fee was added to each accountYou further state that you contacted Comenity Bank and were informed to contact us in writing and we might remove the fees
We apologize for the inconvenience this may have caused you and would like to take this time to explain our findings
Bank records indicate on October 4, 2016, you made a payment through Account Center for $30.00, which was credited to your Bergner’s accountOn October 11, 2016, we received notification from your banking institution that this payment was returned because the bank account ending in *** was closedSince this payment was credited to your Bergner’s account, then returned as “bank account closed”, the Bank debited the $payment back to your account, and assessed a returned check fee of $
Further records show on October 13, 2016, you made a new payment of $and updated Account Center with new checking account information ending in
On October 10, 2016, Bank records indicate you made a payment of $30.00, which was credited to your Victoria’s Secret accountOn October 14, 2016, we received notification from your banking institution that this payment was also returned because the bank account ending in *** was closedSince we credited this payment to your Victoria’s Secret account, then it was returned as “bank account closed”, Comenity Bank debited this payment of $back to your account, and assessed a returned check fee of $
After a thorough investigation, and in the interest of customer service, Comenity Bank is no longer holding you responsible for the two returned check feesA credit of $will appear on your next Bergner’s billing statement dated November 16, 2016, and your Victoria’s Secret billing statement dated November 15, 2016, will reflect a credit of $for the returned check fee
Please be assured this has not caused any negative marks on your credit reportIn addition, we have closed the Bergner’s account as you requested when communicating to the Bank via Account CenterIf in the future you would like to apply for a new account, you may apply in your local store, or on-line at http://comenity.net/bergners
I hope you find this information helpfulIf you have any further questions about the accounts, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you
Sincerely,
Jack C*** Jack Cantrell
Consumer Relations Specialist
cc: Revdex.com
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveAs the bank that issues DentalFirst Financing credit accounts, Comenity Capital Bank is here to help with your account-related concernsI appreciate the
opportunity to assist you. We understand from your complaint that you visited *** *** for wisdom tooth removal and received a quote which you agreed to finance with DentalFirstYou opted to terminate the procedure and financing after getting a second opinionYou contacted DentalFirst and they confirmed the financing would be cancelled and the account clearedTwo months later you received a bill for $2,You state you contacted DentalFirst and the balance was clearedRecently, you attempted to receive a personal loan and you were denied due to a delinquency being reported by the Bank in regard to the DentalFirst Financing accountYou request that your credit history is corrected immediatelyWe apologize for the frustration you may have experienced as a result of this situation. Please be assured that an emergency credit bureau update has been sent to the national credit-reporting agencies with instructions to remove the delinquencies being reported for October and November of 2013. Please allow the credit agencies 30-days to update their records. We hope you find this information helpfulShould you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Diamond L***
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***
The only wmail that I have gotten is to let me know thst you have closed this complaintI dud not get a notice letting me know that you received a answer from comenity bank.I am not satisfied with this complaintThey admitted the mistake but still did not reimburse me for their mistakeThis has not been resolved.Thank youTara P***###-###-####
Dear *** ***We received the inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues ANN TAYLOR/LOVELOFT credit card accounts, and we are here to help with your account-related questions. Your inquiry was forwarded to my
attention, and I appreciate the opportunity to address your concernsWe understand from your correspondence, you ordered two pairs of pants, sizes 12, and from Ann Taylor/LOFT online. You never received either pair, instead, you were shipped a different pair of pants in the wrong size. You returned those pants You stated that LOFT/Comenity Bank refunded you the cost of the merchandise but not the cost of shipping. You are requesting a refund of the $shipping charge, for the order you never received.Please be advised Comenity Bank and Ann INCare two separate entities. Comenity Bank is responsible for addressing questions related to ANN TAYLOR/LOVELOFT credit card accounts, while Ann INCis responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. Please be advised when a customer orders merchandise from Ann Taylor/LOFT catalog, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling When the merchandise is returned, the account is credited for the merchandise and the applicable sales tax. Ann Taylor/LOFT does not refund shipping and handling charges. In addition, if the provided return label is used to return the package, the return label fee is also charged to the accountAfter a thorough review of our records, we are unable to locate a ANN TAYLOR/LOVELOFT account using the information provided. We are unable to review the account without having additional information to research your concerns. Please provide the following information:Complete Comenity Bank Account NumberAny Previous AddressesHome Telephone Number as listed on accountThis information may be mailed to my attention at the address listed above or faxed to ###-###-####. Once this information is received, we should be able to locate the account and further research your concerns. We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter, and we hope you find this information helpful. Should you have any further questions or concerns, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely,Tionna M***
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*** *** ***
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Gander Mountain MasterCard credit card accountsWe are here to answer your questions and assist with your concerns. We previously responded
to your correspondence regarding this matterAs previously stated, your account balance is zeroPlease find enclosed a copy of our response sent to you on May 2, 2017. I hope you found this information to be helpfulShould you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####. Sincerely, *** ***
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 Z Gallerie credit cardWe are here to answer your questions and assist with your concerns You state you signed up for a Z Gallerie
credit card through the Bank because of the promised rewardsYou further state, you were supposed to receive $in Z Gallerie gift cards; however, they were never receivedYou contacted the Bank within the first three months regarding this matter and at that time you were told the rewards were being resentYou called again in November of 2016, and you were told the same thingHowever, when you called back in March of 2017, you were told they failed to resend the rewards, as Z Gallerie denied the request because it had been over daysYou state you were unaware there was a day window and when you contacted Z Gallerie, you were told that you would need to contact the BankYou are requesting to receive your store credit as promisedWe sincerely apologize for any inconvenience or frustration this matter may have caused you Our records indicate a purchase of $3,posted to the account on February 15, On March 2, 2016, a Z Gallerie reward for $was mailed to the address of North Wells Street, Apartment 2402, Chicago, Illinois Based upon your complaint, the Bank reviewed the applicable phone conversations On March 19, 2016, you spoke with a representative of the BankYou inquired about the rewards and the representative advised that a $Z Gallerie reward had been mailed On November 8, 2016, you spoke with another representative of the BankDuring that conversation, you advised the representative that you never received your rewardAlthough the representative stated that a new rewards certificate was requested, no reward certificate was issuedWe apologize for the misinformation that was givenMatters of this nature are referred to management so additional coaching/training can be provided to our associatesComenity Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that Please be advised, Z Gallerie reward certificates expire days from the date they are issuedExpired rewards are unable to be replaced On March 17, 2017, you contacted the Bank and advised you never received your rewards certificateWhen you spoke with representatives of the Bank, you were advised that expired rewards are unable to be reissued. Please be assured, in the interest of customer service, we are issuing a new $Z Gallerie reward certificatePlease allow four to six weeks to receive the reward certificate, which will be sent via mail I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R***
Not sure if I made myself clear or notOn the last letter you mentioned that Comenity Bank is obligated to report factual data to the national credit-reporting agenciesHow come Comenity Bank didn't report factual data for the past three years? If you see the attachment from June 3, is my credit reportThe score for Equifax is On page three it shows all the reporting from Comenity BankJune 2014-April comenity is reporting as FPWe both know that's not true because we settle this account on April For two years you guys reported the wrong informationIf you open the second attachment which is June 10, is when I pulled my credit report again after I disputed the charge from you guys with Equifax and you came back to Equifax and said that everything is correctWell my score dropped from to The reason why is because on May you guys reported on May as "OK" and didn't change the previous monthsMy credit dropped points because of this changeIt will take me months for my credit to go back to my previous score againAs you see from my credit report Equifax is the worse because of Comenity Bank.You have been notified that your actions are detrimental to me and that your firm has violated (including but not limited to) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices ActYour firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmedCommunicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to: Equifax, Experian, and Trans Union
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damagesI am also very upset at your firm's intentional infliction of emotional distress and at the other diminishments of the quality of my lifeI am now demanding the immediate and complete removal of this tradeline
from my credit reports (Equifax, Experian, and Trans Union)As I am currently attempting to apply for credit, time is of the essencePlease understand that I am extremely concerned about the consequences of the actions your firm is having on my lifePlease be advised that, if this matter is not resolved by days, I will take any and all necessary steps to protect my rights.This will proceed in court until I have successfully proven to a judge that this information must be removed from my credit fileI will also be aggressively pursuing the full judgment that I can get against Community Bank for violation of the Fair Credit Reporting Act and Defamation
*** ***
Please pass on my appreciation to *** *** of the dispute resolution teamI received a statement from Comenity Bank, Westgate Mastercard on 9/2/The statement shows a credit of $6,plus credits for all late charges and interestThe balance is now "0"I consider it now closedThis could have happened without your help! Thank you!