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***
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 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***
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, *** ***
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***
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 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 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 *** *** 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***
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***
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 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***
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 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***
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, *** ***
[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,
*** ***
I have paid my overdraft fees and have continued to be harnessed my community bank and New York and companyI have continued to receive bills, after I had closed my accountI should not be receiving any more notices as I had paid over $in overdraft fees
Regards*** ***
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***
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
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***
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***
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, *** ***
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***
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 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 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 *** *** 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***
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***
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 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***
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 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***
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, *** ***
[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,
*** ***
I am rejecting this response because:
Regards, *** ***
I have paid my overdraft fees and have continued to be harnessed my community bank and New York and companyI have continued to receive bills, after I had closed my accountI should not be receiving any more notices as I had paid over $in overdraft fees
Regards*** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards, *** ***