Comenity Bank has received your correspondence, on behalf of *** ***, regarding the above-referenced account. Comenity Bank previously issued the American credit card. We are here to answer your questions and assist with your concerns We understand your concerns that were
addressed in the complaint. We would like to apologize for any inconvenience this situation may have caused you or Ms*** We are unable to provide you with account information as you are not listed as the primary accountholder, nor have we received authorization from the accountholder to release information to you. Please understand that current privacy laws prohibit us from providing account information to anyone other than the accountholder, without receiving prior permission to do so. Please be assured that we have addressed the concerns in a correspondence to *** *** I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820- Sincerely,
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
*** ***
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***
Dear *** *** Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns We understand from the complaint that you made a
purchase for four bras at $each, and after trying them on you decided to return them all; however, you were only given credit for two of the brasYou state that you contacted Lane Bryant and you were then advised to contact Comenity Bank and you were not given an explanation as to why you were given credit for only two brasYou are requesting a credit of $and to have the late fee removed because you did not sign up for paperless billingAdditionally, you believe you were charged $to return the itemsWe apologize for the inconvenience you have experienced regarding this matter Please note that Comenity Bank and Lane Bryant are two separate entitiesThe Bank issues and is responsible for addressing questions related to the Lane Bryant credit card account, while Lane Bryant is responsible for handling matters related to sales, merchandise processing, returns, shipping and handling We have contacted Lane Bryant on your behalf regarding the missing credit for the two brasPlease be advised that credit for $has been issued to your account for the two brasIn addition, the previously assessed interest charges in the amount of $have been removed from your accountPlease be assured no charges were assessed to your account for the return of the merchandise Please be advised that the Bank does not have the ability to select paperless billing on behalf of the customerThis option can only be chosen while accessing our Account CenterBank records indicate that your account is no longer set to receive paperless billingIn addition, as a one-time courtesy, the late fee in the amount of $has been reversedWith this adjustment, your account has a credit balance of $A refund check has been requested and should be received within days. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H***
Dear *** ***We received your complaint regarding the above-referenced credit card accountComenity Bank issues Arhaus Furniture credit card accounts, and we are here to help answer your account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to
respond to your concerns.We understand from your complaint that you purchased a dining room table and four chairs from Arhaus and when you received your order, the chairs were not upholstered correctlyYou further state that Arhaus delivered a second set of chairs; however, they were still upholstered incorrectFurthermore, you state that you agreed to keep the chairs if a discount was given and you were charged $for the additional two chairsYou state that you have paid the balance in full; however on August 13, 2015, you received a billing statement showing that there was still a balance owed on your accountYou are requesting that the balance on your account be corrected, as you have already paid the balance in fullI understand your concerns and apologize for any inconvenience or frustration this has caused you.Please be advised that we have attempted to locate an Arhaus Furniture account in your name with the information provided; however, we are unable to locate an accountTo locate an account, we would need additional informationPlease provide the following:- Complete Account Number- Any Previous Names- Any Previous Addresses- Home Telephone Number- Social security numberThis information can be mailed to the address listed above or faxed to my attention at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W*** *** ***
Dear *** *** We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bankissues west elm credit card accounts, and we respond to account-relatedquestions. Your complaint was forwardedto my attention,
and I appreciate the opportunity to respond to your concerns. We understand your concerns regarding the purchase for $that was charged toyour closed account on September 10, 2015, for a purchase that was on backorder that you cancelled with west elm Weapologize for any inconvenience this matter may have caused you. Our records indicate that west elm issued a credit to your account for $onOctober 6, 2015. Please be advised thatthe balance on your account is zero. Also, your account was closed per your request on August 27, 2015. As long as there are no additional purchaseson back order with west elm, no additional charges will be applied to youraccount. We hope this information is helpful. Shouldyou have any other questions or concerns regarding this account, please feelfree to contact me at ###-###-####, ext*** (TDD/TTY###-###-####). I will be happy to assist you. Sincerely,Ashley H*** *** ***
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!
Dear *** ***We received your complaint, addressed to theRevdex.com, regarding the account referenced above. Comenity Bank issues West Elm credit cardaccounts, 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 your concerns regarding the$2,refund you have not received yet I apologize for any inconvenience this mattermay have caused you. Thank you for taking the time to speak withme on April 21, 2015, please be assured, that as of the date of this letter wehave issued a refund check to your address listed above and should be receivedwithin ten days. We hope this information is helpful. Should you have any other questions orconcerns regarding this account, please feel free to contact me at###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,
*** ***Consumer Relations Specialist
Dear Mr*** Thank you for your complaint, addressed to the Revdex.com, regarding the above-noted accountComenity Capital Bank issues Virgin America Visa credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I
appreciate this opportunity to assist youYour complaint indicates a payment that was nearly $was processed by your Banking institution and you state the payment never posted to your Virgin America Visa credit card accountFurthermore you are requesting that the payment be posted to your account immediatelyBank records indicate that the concern referenced in your inquiry was resolvedEnclosed is a copy of the letter sent to you on March 16, 2016, which explains our finding and resolutionWe sincerely apologize for any inconvenience this matter may have caused you and hope that you find this information to be helpfulShould you have any questions or concerns, please feel free to contact me at ###-###-#### ext *** (TDD/TTY ###-###-####)I would be happy to assist youSincerely, Rosa M***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to meThank you for taking the time to address it
Regards, *** ***
Dear *** ***We have received your complaint, submitted to
the Revdex.com, regarding the above-referenced account.
Comenity Bank issues Express credit card accounts, and we are here to
help answer your account-related questions I appreciate the
opportunity to assist you
with your concerns.We are also in receipt of your correspondence
submitted to the Federal Deposit Insurance Corporation regarding this same
matter. Please find enclosed a copy of our
response sent to you on November 23, 2015.I hope you found this information to be
helpfulIf you have any questions or concerns, please feel free to contact me
at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,KaiM***
Dear Ms***:
We received your correspondence sent to the Revdex.com (Revdex.com), regarding the above-noted account, which was forwarded to Comenity Bank (Bank)Comenity Bank issues the Victoria’s Secrets credit cardWe are here to answer your questions and assist with your
concerns
We understand the concerns in regard to the late fees on your Victoria’s Secret Angel accountAdditionally, about a year ago you started receiving calls from Comenity Bank and explained to the representatives you do not have an account with themLater finding out that Comenity Bank is Victoria’s Secret and requesting the late fees to be removed
Please note Comenity Bank and Victoria’s Secret are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountVictoria’s Secret is responsible for handling matters related to sales, merchandise processing, returns, and shippingWe would like to take this moment to explain our findings regarding your above concerns
On February 6, 2015, the Bank sent you a billing statement with a balance of $and a minimum payment of $due by March 4, As of February 27, 2015, your payment of $was received; however, it was less than the required minimum amount due and a late fee of $was assessed
The Bank further shows from April through December payments were received for $each month, but were less than the required amount requested; therefore, additional fees were assessed bringing your balance to $1,
Furthermore records indicate from January through April 2016, the Bank had not received any payments; thus, causing the account to write-off as an unpaid debt on May 9, 2016, with a balance of $1,The last payment of $was received on June 30,
Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum amount required, the account will be assessed a late fee; as explained in the Credit Card AgreementEnclosed you will find copies of your billing statements showing the account activity that resulted in the account balance
During our investigation of your records, we find the late fees assessed to your account are valid; as such, we are unwilling to have them removedShould you have proof of any payments that were not credited to your account, please feel free to send us a copy (if check front and back, if store payment a copy of the receipt, and if money order front and back copy), and we will be happy to assist you further
Bank records indicate that on May 9, 2016, the account was permanently closed and written off, due to non-payment, and reported to the national credit reporting agencies as an unpaid debt with a balance owed of 1,There was a payment posted to the account on June 30, As of the date of this letter, the account balance is $
Payment arrangements can be made by contacting our In-House Recovery Pool at (800) 695-
I hope you find this information helpfulIf you have any further questions about this letter, please contact me at (800) 675-5685, ext*** (TDD/TTY: (800) 695-1788)I will be happy to assist you
Sincerely,
Jack C*** Consumer Relations Specialist
cc: Revdex.com
Dear *** ***:We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention for review and
I appreciate the opportunity to assist you.Your complaint states that you paid your balance in April and you continue to be charged for account protectionYou also state that you called two times to have the charge removedPlease be assured that I have researched this matter and I am happy to share my findings with you.Our records indicate that your account was enrolled in Identity Protector (IDP365), which is an optional service provided to our customers by our partners, CPP North AmericanTypically, this service is offered when the customer calls to activate the card, and it includes a thirty-day trial period to try the product for 30-days at a charge of $If the service is not cancelled within the thirty-day free trial period, the monthly charge for $is automatically billed to the customer’s account.The IDPservice was cancelled on April 19, 2015; however, the account was issued one credit of $14.99, thus, leaving a remaining balance for the previous unpaid chargesAs a result of non-payment, the account was charged late fees and finance charges.After reviewing the telephone call with the vendor, we found that you did not want the account enrolled in IDPAs such, please be assured that we have issued credits totaling $to remove the remaining IDPfees along with the late fees and finance chargesAs a result of these credits, the account has a credit balance of $A refund check for $has been issued to you, under separate cover, and should be received in days.In addition, please be assured that we removed the negative payment information regarding the account, which will update with the credit-reporting agencies within days.You are a valued customer and we sincerely apologize for the inconvenience this matter has caused youShould you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y*** *** ***
Dear *** *** Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the west elm credit cardWe are here to answer your questions and assist with your concernsWe understand from the correspondence, submitted to the RevDex.com, that you purchased furniture and agreed to a 12-month deferred interest planYou state you began receiving finance charges within months due to using your credit card to make additional purchasesDue to these charges your account started assessing finance chargesYou are requesting to have the finance charges removedOur records indicate on July 7, 2016, a purchase of $2,posted to your account and was placed on a 12-month deferred interest, payment required promotional plan that expires on July 8, On July 8, 2016, a purchase of $was placed on a 12-month deferred interest, payment required promotional plan that expires on July 9, For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their accountInterest is accrued (calculated, but not added to the balance), and if the balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolvingPlease be advised that other purchases were placed on the credit card that were not on a promotional plan; these purchases were placed on the regular revolving planIf you make a purchase under a regular revolving credit plan, interest charges won't be imposed in any billing period in which (i) no previous balance exists or (ii) payments received and credits issued by the payment due date, equal or exceed the previous balanceIf the new balance shown on your last statement isn't paid in full by the payment due date shown on your last statement, there will be an interest charge on each purchase from the date of purchaseYou can refer to section DInterest, fees and charges on the Credit Card AgreementEnclosed are the billing statements for your recordsAs Comenity Bank finds the finance charges to be valid we are unwilling to remove these feesAs of the date of this letter, the account balance is zeroI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S***
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 your concerns as explained in your correspondence. You attempted to purchase a dress that was advertised at $16.99; but the dress rang up at $36.99. You were advised that you needed to purchase two dresses, in order to get the advertised price of $16.99. You are requesting a Regional Store Manager contact you; you desire to receive a discount on the dress, and an apology for the service you received Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns. Please be assured that we review all feedback and concerns made to help enhance the customer experience. Your feedback was forwarded to the corporate office of ANN INC. Please be advised Comenity Bank and Ann Taylor are two separate entities. Comenity Bank is responsible for addressing questions related to ANN TAYLOR credit card accounts, while Ann Taylor is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. If you have questions or concerns, regarding the stores practice and merchandise, please contact your local Ann Taylor store or you may write to; ANN INCcorporate office, Chapel Street, New Haven, CT 06511. We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter. We hope you find this information helpful. Should you have any further questions or concerns, please contact me directly at (800) 675-5685, ext*** (TDD/TTY (800) 695-1788). 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 Wayfair card accountWe are here to answer your questions and assist with your concerns.Your complaint states that you purchased an arm chair; however, you
returned it and exchanged it for a different reclinerYou then went online and placed a request for a return because you needed a higher chairYou state that Wayfair has not picked up the reclinerYou are requesting that the recliner be picked up and a refund be issuedI understand your concerns and apologize for any inconvenience this matter may have caused you.We received your dispute on June 14, 2017, in the amount of $for Order #*** 11/Please be assured our dispute resolution team is currently working to resolve your disputePlease also be aware, dispute investigations may take up to ninety days to completeUpon completion of our investigation, we will notify you of our findings by mailWe appreciate your patience while we conduct our investigation.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact customer care at the phone number on the back of your credit card or billing statement.Sincerely,Jenny W***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me. However, I see that one item was not addressed and deliberately ignored. When I agreed to pay the amount of $in late fees, I was told that was the total owed, and was not advised that there would be an additional late fee charged since the payment was days late.I appreciate your resolving this matter for me, but it seems apparent that Marathon is more interested in collecting late fees than keeping customers. For that reason, although it will be out of my way, I will never purchase anything from a Marathon station again
I DONT BELIEVE THEYRE OWNIN UP TO THEIR MISTAKE I FEEL I SHOULD COMPENSATED FOR MY FAMILY BEING HARRASSED ITS NOT THAT EASY YOU HARRASS A 16YR OLD AND I ONOW DARN WELL I DIDNT PUT HER NUMBER UP THERE YALL THINK U PRIVATE AGENTS OR SECRET SERVICE TAKIN YOUR JOB TOO FARI WANNA SEE PROOF THAT I PROVIDED THESE NUMBERS TO COMMENTY BANKTHATS WHAT I WANNA SEE
Regards, *** ***
Comenity Bank has received your correspondence, regarding the above-referenced account. Comenity Bank issues POTTERY BARN credit card accounts. We are here to answer your questions and assist with your concerns. We understand your concerns as explained in your correspondence.
You state that you paid your account in full and the account is reported to your credit report, as delinquent. In addition, you were supposed to receive a credit for $66.00; instead your bank account was charged $26.41. You are requesting for a credit of $and the delinquency removed from your credit report. Our records indicate the POTTERY BARN credit card account was opened on August 26, 2016. 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 September 20, 2016, with a balance of $95.26, and a minimum payment of $27.00, due by October 16, 2016. As no payment was received by the October and November due date, late fees and finance charges were assessed to the account, in accordance with the CCA On December 1, 2016, you spoke with the Bank’s representative and a payment by phone was processed for $160.51, scheduled for December 1, 2016. In addition, a credit of $was issued, for the late fees and finance charges that were previously assessed to the account. On December 5, 2016, you spoke with the Bank’s representative and requested for an electronic refund for the credit balance of $66.50. We found that the electronic refund was processed and cashed As of the date of this letter, the Bank has no record of a $charge. Please ask your bank for the transaction detail information and provide us with a copy of the documentation. Once this information is received, we will be happy to further research the charge. In the interest of customer service, notification was sent to the national credit-reporting agencies with instructions to remove the November 2016, 30-day late payment information, regarding the POTTERY BARN account, from your credit bureau report. Please allow the agencies days to update their records. I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M
*** ** ***
*** ***
** *** ***
*** *** ** ***
*** ** *** *** *** *** *** ** ***
*** *** *** *** *** ** ***
*** *** ***Dear *** ***:Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the ** *** and *** credit cardsWe are here to answer your questions and assist with your concerns.We previously received and responded to your correspondence submitted to the Revdex.com regarding this same matterPlease find enclosed a copy of our response sent to you on January 26, 2017.Additionally, upon reviewing your accounts, as a courtesy we have removed the $late fee and associated finance charge of $on your ** *** accountWe also removed a late fee of $on your *** account.If you have additional proof the online scheduled payments were confirmed, please send the documentation addressed to me at the address listed above and we will be able to further investigate the matter.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,*** ***
*** *** * *** ***
***
*** *** *** *** ***
*** ***
** *** ***
*** *** ***
*** *** ***
*** ***
** *** ***
*** *** ** ***
*** *** *** *** *** *** ** ***
*** *** *** *** *** ** ***
*** *** *** *** ** ***Dear *** ***:Comenity Bank (Bank) has received your correspondence regarding the above-referenced creditcard accountsComenity Bank issues the *** and *** credit cardsWe are here to answeryour questions and assist with your concerns.We understand the concerns as explained in your correspondenceYou scheduled an onlinepayment for both of your accounts and did not receive a confirmation of the paymentsHowever,you have received calls; found that both accounts indicated no payment had been received anda late fee was applied to each accountYou are requesting for the late fee to be removed fromthe accounts and for the Bank to provide scheduled payment confirmation.Please understand that when there is a balance on an account, and the full minimum paymentrequired on the monthly billing statement(s) is not received by the due date, late fees and financecharges will be assessed to the account, pursuant to the guidelines of the Credit Card Agreement.When payments are not received by the payment due date listed on the monthly billingstatements, our Payment Solutions team will attempt to contact our customers in an effort to assistthem in bringing their accounts to a current statusOur Payment Solutions team may call multipletimes, until our attempt to communicate with you is successful.Please note, when customers submit an online payment, customers will receive the followingconfirmation message: “This is a confirmation of your payment authorization on (Date) toComenity Bank via an internet connection, as a single electronic debit from a debit card and/or asingle *** *** debit from a bank account in your name on (Date) for ($) to your credit cardaccount”.Bank records indicate the last payment on the *** credit card account was scheduled online onDecember 7, 2016, in the amount of $The payment was applied to your account onDecember 10, Your account billed on December 15, 2016, with a balance of $983.08, anda minimum payment of $49.00, due by January 10, As no payment was received by theJanuary due date, a late fee and finance charge were assessed to the account.An online payment was scheduled on the *** credit card account, on December 7, 2016, inthe amount of $The payment was applied to your account on December 11, Youraccount billed on December 16, 2016, with a balance of $469.30, and a minimum payment of $27.00, due by January 11, As no payment was received by the January due date, a late fee and finance charge were assessed to the account.Comenity Bank has not found any errors with the accounts, and we are unwilling to remove the January late fees that were assessed to the accounts, as they are valid.I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,*** ***
*** ***
*** *** * *** ***
*** *** *** ***
Comenity Bank has received your correspondence, on behalf of *** ***, regarding the above-referenced account. Comenity Bank previously issued the American credit card. We are here to answer your questions and assist with your concerns We understand your concerns that were
addressed in the complaint. We would like to apologize for any inconvenience this situation may have caused you or Ms*** We are unable to provide you with account information as you are not listed as the primary accountholder, nor have we received authorization from the accountholder to release information to you. Please understand that current privacy laws prohibit us from providing account information to anyone other than the accountholder, without receiving prior permission to do so. Please be assured that we have addressed the concerns in a correspondence to *** *** I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820- Sincerely,
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
*** ***
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***
Dear *** *** Comenity Bank (Bank) has received correspondence regarding the above-noted accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns We understand from the complaint that you made a
purchase for four bras at $each, and after trying them on you decided to return them all; however, you were only given credit for two of the brasYou state that you contacted Lane Bryant and you were then advised to contact Comenity Bank and you were not given an explanation as to why you were given credit for only two brasYou are requesting a credit of $and to have the late fee removed because you did not sign up for paperless billingAdditionally, you believe you were charged $to return the itemsWe apologize for the inconvenience you have experienced regarding this matter Please note that Comenity Bank and Lane Bryant are two separate entitiesThe Bank issues and is responsible for addressing questions related to the Lane Bryant credit card account, while Lane Bryant is responsible for handling matters related to sales, merchandise processing, returns, shipping and handling We have contacted Lane Bryant on your behalf regarding the missing credit for the two brasPlease be advised that credit for $has been issued to your account for the two brasIn addition, the previously assessed interest charges in the amount of $have been removed from your accountPlease be assured no charges were assessed to your account for the return of the merchandise Please be advised that the Bank does not have the ability to select paperless billing on behalf of the customerThis option can only be chosen while accessing our Account CenterBank records indicate that your account is no longer set to receive paperless billingIn addition, as a one-time courtesy, the late fee in the amount of $has been reversedWith this adjustment, your account has a credit balance of $A refund check has been requested and should be received within days. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H***
Dear *** ***We received your complaint regarding the above-referenced credit card accountComenity Bank issues Arhaus Furniture credit card accounts, and we are here to help answer your account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to
respond to your concerns.We understand from your complaint that you purchased a dining room table and four chairs from Arhaus and when you received your order, the chairs were not upholstered correctlyYou further state that Arhaus delivered a second set of chairs; however, they were still upholstered incorrectFurthermore, you state that you agreed to keep the chairs if a discount was given and you were charged $for the additional two chairsYou state that you have paid the balance in full; however on August 13, 2015, you received a billing statement showing that there was still a balance owed on your accountYou are requesting that the balance on your account be corrected, as you have already paid the balance in fullI understand your concerns and apologize for any inconvenience or frustration this has caused you.Please be advised that we have attempted to locate an Arhaus Furniture account in your name with the information provided; however, we are unable to locate an accountTo locate an account, we would need additional informationPlease provide the following:- Complete Account Number- Any Previous Names- Any Previous Addresses- Home Telephone Number- Social security numberThis information can be mailed to the address listed above or faxed to my attention at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W*** *** ***
Dear *** *** We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bankissues west elm credit card accounts, and we respond to account-relatedquestions. Your complaint was forwardedto my attention,
and I appreciate the opportunity to respond to your concerns. We understand your concerns regarding the purchase for $that was charged toyour closed account on September 10, 2015, for a purchase that was on backorder that you cancelled with west elm Weapologize for any inconvenience this matter may have caused you. Our records indicate that west elm issued a credit to your account for $onOctober 6, 2015. Please be advised thatthe balance on your account is zero. Also, your account was closed per your request on August 27, 2015. As long as there are no additional purchaseson back order with west elm, no additional charges will be applied to youraccount. We hope this information is helpful. Shouldyou have any other questions or concerns regarding this account, please feelfree to contact me at ###-###-####, ext*** (TDD/TTY###-###-####). I will be happy to assist you. Sincerely,Ashley H*** *** ***
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!
Dear *** ***We received your complaint, addressed to theRevdex.com, regarding the account referenced above. Comenity Bank issues West Elm credit cardaccounts, 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 your concerns regarding the$2,refund you have not received yet I apologize for any inconvenience this mattermay have caused you. Thank you for taking the time to speak withme on April 21, 2015, please be assured, that as of the date of this letter wehave issued a refund check to your address listed above and should be receivedwithin ten days. We hope this information is helpful. Should you have any other questions orconcerns regarding this account, please feel free to contact me at###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,
*** ***Consumer Relations Specialist
Dear Mr*** Thank you for your complaint, addressed to the Revdex.com, regarding the above-noted accountComenity Capital Bank issues Virgin America Visa credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I
appreciate this opportunity to assist youYour complaint indicates a payment that was nearly $was processed by your Banking institution and you state the payment never posted to your Virgin America Visa credit card accountFurthermore you are requesting that the payment be posted to your account immediatelyBank records indicate that the concern referenced in your inquiry was resolvedEnclosed is a copy of the letter sent to you on March 16, 2016, which explains our finding and resolutionWe sincerely apologize for any inconvenience this matter may have caused you and hope that you find this information to be helpfulShould you have any questions or concerns, please feel free to contact me at ###-###-#### ext *** (TDD/TTY ###-###-####)I would be happy to assist youSincerely, Rosa M***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to meThank you for taking the time to address it
Regards, *** ***
Dear *** ***We have received your complaint, submitted to
the Revdex.com, regarding the above-referenced account.
Comenity Bank issues Express credit card accounts, and we are here to
help answer your account-related questions I appreciate the
opportunity to assist you
with your concerns.We are also in receipt of your correspondence
submitted to the Federal Deposit Insurance Corporation regarding this same
matter. Please find enclosed a copy of our
response sent to you on November 23, 2015.I hope you found this information to be
helpfulIf you have any questions or concerns, please feel free to contact me
at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,KaiM***
Dear Ms***:
We received your correspondence sent to the Revdex.com (Revdex.com), regarding the above-noted account, which was forwarded to Comenity Bank (Bank)Comenity Bank issues the Victoria’s Secrets credit cardWe are here to answer your questions and assist with your
concerns
We understand the concerns in regard to the late fees on your Victoria’s Secret Angel accountAdditionally, about a year ago you started receiving calls from Comenity Bank and explained to the representatives you do not have an account with themLater finding out that Comenity Bank is Victoria’s Secret and requesting the late fees to be removed
Please note Comenity Bank and Victoria’s Secret are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountVictoria’s Secret is responsible for handling matters related to sales, merchandise processing, returns, and shippingWe would like to take this moment to explain our findings regarding your above concerns
On February 6, 2015, the Bank sent you a billing statement with a balance of $and a minimum payment of $due by March 4, As of February 27, 2015, your payment of $was received; however, it was less than the required minimum amount due and a late fee of $was assessed
The Bank further shows from April through December payments were received for $each month, but were less than the required amount requested; therefore, additional fees were assessed bringing your balance to $1,
Furthermore records indicate from January through April 2016, the Bank had not received any payments; thus, causing the account to write-off as an unpaid debt on May 9, 2016, with a balance of $1,The last payment of $was received on June 30,
Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum amount required, the account will be assessed a late fee; as explained in the Credit Card AgreementEnclosed you will find copies of your billing statements showing the account activity that resulted in the account balance
During our investigation of your records, we find the late fees assessed to your account are valid; as such, we are unwilling to have them removedShould you have proof of any payments that were not credited to your account, please feel free to send us a copy (if check front and back, if store payment a copy of the receipt, and if money order front and back copy), and we will be happy to assist you further
Bank records indicate that on May 9, 2016, the account was permanently closed and written off, due to non-payment, and reported to the national credit reporting agencies as an unpaid debt with a balance owed of 1,There was a payment posted to the account on June 30, As of the date of this letter, the account balance is $
Payment arrangements can be made by contacting our In-House Recovery Pool at (800) 695-
I hope you find this information helpfulIf you have any further questions about this letter, please contact me at (800) 675-5685, ext*** (TDD/TTY: (800) 695-1788)I will be happy to assist you
Sincerely,
Jack C*** Consumer Relations Specialist
cc: Revdex.com
Dear *** ***:We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention for review and
I appreciate the opportunity to assist you.Your complaint states that you paid your balance in April and you continue to be charged for account protectionYou also state that you called two times to have the charge removedPlease be assured that I have researched this matter and I am happy to share my findings with you.Our records indicate that your account was enrolled in Identity Protector (IDP365), which is an optional service provided to our customers by our partners, CPP North AmericanTypically, this service is offered when the customer calls to activate the card, and it includes a thirty-day trial period to try the product for 30-days at a charge of $If the service is not cancelled within the thirty-day free trial period, the monthly charge for $is automatically billed to the customer’s account.The IDPservice was cancelled on April 19, 2015; however, the account was issued one credit of $14.99, thus, leaving a remaining balance for the previous unpaid chargesAs a result of non-payment, the account was charged late fees and finance charges.After reviewing the telephone call with the vendor, we found that you did not want the account enrolled in IDPAs such, please be assured that we have issued credits totaling $to remove the remaining IDPfees along with the late fees and finance chargesAs a result of these credits, the account has a credit balance of $A refund check for $has been issued to you, under separate cover, and should be received in days.In addition, please be assured that we removed the negative payment information regarding the account, which will update with the credit-reporting agencies within days.You are a valued customer and we sincerely apologize for the inconvenience this matter has caused youShould you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y*** *** ***
Dear *** *** Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the west elm credit cardWe are here to answer your questions and assist with your concernsWe understand from the correspondence, submitted to the RevDex.com, that you purchased furniture and agreed to a 12-month deferred interest planYou state you began receiving finance charges within months due to using your credit card to make additional purchasesDue to these charges your account started assessing finance chargesYou are requesting to have the finance charges removedOur records indicate on July 7, 2016, a purchase of $2,posted to your account and was placed on a 12-month deferred interest, payment required promotional plan that expires on July 8, On July 8, 2016, a purchase of $was placed on a 12-month deferred interest, payment required promotional plan that expires on July 9, For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their accountInterest is accrued (calculated, but not added to the balance), and if the balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolvingPlease be advised that other purchases were placed on the credit card that were not on a promotional plan; these purchases were placed on the regular revolving planIf you make a purchase under a regular revolving credit plan, interest charges won't be imposed in any billing period in which (i) no previous balance exists or (ii) payments received and credits issued by the payment due date, equal or exceed the previous balanceIf the new balance shown on your last statement isn't paid in full by the payment due date shown on your last statement, there will be an interest charge on each purchase from the date of purchaseYou can refer to section DInterest, fees and charges on the Credit Card AgreementEnclosed are the billing statements for your recordsAs Comenity Bank finds the finance charges to be valid we are unwilling to remove these feesAs of the date of this letter, the account balance is zeroI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S***
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 your concerns as explained in your correspondence. You attempted to purchase a dress that was advertised at $16.99; but the dress rang up at $36.99. You were advised that you needed to purchase two dresses, in order to get the advertised price of $16.99. You are requesting a Regional Store Manager contact you; you desire to receive a discount on the dress, and an apology for the service you received Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns. Please be assured that we review all feedback and concerns made to help enhance the customer experience. Your feedback was forwarded to the corporate office of ANN INC. Please be advised Comenity Bank and Ann Taylor are two separate entities. Comenity Bank is responsible for addressing questions related to ANN TAYLOR credit card accounts, while Ann Taylor is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. If you have questions or concerns, regarding the stores practice and merchandise, please contact your local Ann Taylor store or you may write to; ANN INCcorporate office, Chapel Street, New Haven, CT 06511. We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter. We hope you find this information helpful. Should you have any further questions or concerns, please contact me directly at (800) 675-5685, ext*** (TDD/TTY (800) 695-1788). 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 Wayfair card accountWe are here to answer your questions and assist with your concerns.Your complaint states that you purchased an arm chair; however, you
returned it and exchanged it for a different reclinerYou then went online and placed a request for a return because you needed a higher chairYou state that Wayfair has not picked up the reclinerYou are requesting that the recliner be picked up and a refund be issuedI understand your concerns and apologize for any inconvenience this matter may have caused you.We received your dispute on June 14, 2017, in the amount of $for Order #*** 11/Please be assured our dispute resolution team is currently working to resolve your disputePlease also be aware, dispute investigations may take up to ninety days to completeUpon completion of our investigation, we will notify you of our findings by mailWe appreciate your patience while we conduct our investigation.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact customer care at the phone number on the back of your credit card or billing statement.Sincerely,Jenny W***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me. However, I see that one item was not addressed and deliberately ignored. When I agreed to pay the amount of $in late fees, I was told that was the total owed, and was not advised that there would be an additional late fee charged since the payment was days late.I appreciate your resolving this matter for me, but it seems apparent that Marathon is more interested in collecting late fees than keeping customers. For that reason, although it will be out of my way, I will never purchase anything from a Marathon station again
I DONT BELIEVE THEYRE OWNIN UP TO THEIR MISTAKE I FEEL I SHOULD COMPENSATED FOR MY FAMILY BEING HARRASSED ITS NOT THAT EASY YOU HARRASS A 16YR OLD AND I ONOW DARN WELL I DIDNT PUT HER NUMBER UP THERE YALL THINK U PRIVATE AGENTS OR SECRET SERVICE TAKIN YOUR JOB TOO FARI WANNA SEE PROOF THAT I PROVIDED THESE NUMBERS TO COMMENTY BANKTHATS WHAT I WANNA SEE
Regards, *** ***
Comenity Bank has received your correspondence, regarding the above-referenced account. Comenity Bank issues POTTERY BARN credit card accounts. We are here to answer your questions and assist with your concerns. We understand your concerns as explained in your correspondence.
You state that you paid your account in full and the account is reported to your credit report, as delinquent. In addition, you were supposed to receive a credit for $66.00; instead your bank account was charged $26.41. You are requesting for a credit of $and the delinquency removed from your credit report. Our records indicate the POTTERY BARN credit card account was opened on August 26, 2016. 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 September 20, 2016, with a balance of $95.26, and a minimum payment of $27.00, due by October 16, 2016. As no payment was received by the October and November due date, late fees and finance charges were assessed to the account, in accordance with the CCA On December 1, 2016, you spoke with the Bank’s representative and a payment by phone was processed for $160.51, scheduled for December 1, 2016. In addition, a credit of $was issued, for the late fees and finance charges that were previously assessed to the account. On December 5, 2016, you spoke with the Bank’s representative and requested for an electronic refund for the credit balance of $66.50. We found that the electronic refund was processed and cashed As of the date of this letter, the Bank has no record of a $charge. Please ask your bank for the transaction detail information and provide us with a copy of the documentation. Once this information is received, we will be happy to further research the charge. In the interest of customer service, notification was sent to the national credit-reporting agencies with instructions to remove the November 2016, 30-day late payment information, regarding the POTTERY BARN account, from your credit bureau report. Please allow the agencies days to update their records. I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M
*** ** ***
*** ***
** *** ***
*** *** ** ***
*** ** *** *** *** *** *** ** ***
*** *** *** *** *** ** ***
*** *** ***Dear *** ***:Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the ** *** and *** credit cardsWe are here to answer your questions and assist with your concerns.We previously received and responded to your correspondence submitted to the Revdex.com regarding this same matterPlease find enclosed a copy of our response sent to you on January 26, 2017.Additionally, upon reviewing your accounts, as a courtesy we have removed the $late fee and associated finance charge of $on your ** *** accountWe also removed a late fee of $on your *** account.If you have additional proof the online scheduled payments were confirmed, please send the documentation addressed to me at the address listed above and we will be able to further investigate the matter.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,*** ***
*** *** * *** ***
***
*** *** *** *** ***
*** ***
** *** ***
*** *** ***
*** *** ***
*** ***
** *** ***
*** *** ** ***
*** *** *** *** *** *** ** ***
*** *** *** *** *** ** ***
*** *** *** *** ** ***Dear *** ***:Comenity Bank (Bank) has received your correspondence regarding the above-referenced creditcard accountsComenity Bank issues the *** and *** credit cardsWe are here to answeryour questions and assist with your concerns.We understand the concerns as explained in your correspondenceYou scheduled an onlinepayment for both of your accounts and did not receive a confirmation of the paymentsHowever,you have received calls; found that both accounts indicated no payment had been received anda late fee was applied to each accountYou are requesting for the late fee to be removed fromthe accounts and for the Bank to provide scheduled payment confirmation.Please understand that when there is a balance on an account, and the full minimum paymentrequired on the monthly billing statement(s) is not received by the due date, late fees and financecharges will be assessed to the account, pursuant to the guidelines of the Credit Card Agreement.When payments are not received by the payment due date listed on the monthly billingstatements, our Payment Solutions team will attempt to contact our customers in an effort to assistthem in bringing their accounts to a current statusOur Payment Solutions team may call multipletimes, until our attempt to communicate with you is successful.Please note, when customers submit an online payment, customers will receive the followingconfirmation message: “This is a confirmation of your payment authorization on (Date) toComenity Bank via an internet connection, as a single electronic debit from a debit card and/or asingle *** *** debit from a bank account in your name on (Date) for ($) to your credit cardaccount”.Bank records indicate the last payment on the *** credit card account was scheduled online onDecember 7, 2016, in the amount of $The payment was applied to your account onDecember 10, Your account billed on December 15, 2016, with a balance of $983.08, anda minimum payment of $49.00, due by January 10, As no payment was received by theJanuary due date, a late fee and finance charge were assessed to the account.An online payment was scheduled on the *** credit card account, on December 7, 2016, inthe amount of $The payment was applied to your account on December 11, Youraccount billed on December 16, 2016, with a balance of $469.30, and a minimum payment of $27.00, due by January 11, As no payment was received by the January due date, a late fee and finance charge were assessed to the account.Comenity Bank has not found any errors with the accounts, and we are unwilling to remove the January late fees that were assessed to the accounts, as they are valid.I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,*** ***
*** ***
*** *** * *** ***
*** *** *** ***