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 *** *** 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*** *** ***
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***
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 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 *** ***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 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***
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
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,
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
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 *** *** 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***
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***
Even though the *** Post Office states they delivered the statements, we never saw them We can't prove that; it's a matter of "he said/she said." We pay our bills The late fees are excessive and punitive I have also contacted the U.SAttorney General's office and AARP regarding this matter
Regards, *** ***
Dear Mr***Thank you for your complaint, addressed to the Revdex.com, regarding the above-notedaccountComenity Capital Bank issues Virgin America Visa credit card accounts, and we respond to allaccount-related questions, Your complaint was forwarded to my attention, and I
appreciate thisopportunity to assist you.Your complaint indicates that you mailed a letter on October 19, 5, where you indicated your desire toclose your account, and have the annual fee reversedYou also state that you are receiving collectioncalls due to the annual fee that was not reversed and for the fees that have been added by the Bank.Please be advised on September 23, 2015, $was charged to your account for the renewal fee.Comenity Capital Bank received your letter requesting to dose the account and credit the annual fee onOctober 26,Since your request was received beyond the day time frame to have the annual feeremoved, it was not credited; however, the account was closed on October 29, 2015.Please note when the Bank's records show that the minimum payment due has not been received by thedue date on an account; we will make attempts to contact you regarding the status of the accountManytimes a payment is overlooked by the customer, and a reminder call is helpful to bring the account back toa current statusDue to potential negative ramifications for our customers if an account remainsdelinquent, Comenity Capital Bank may call you until our attempt to communicate is successful.The Bank has reviewed the issues in your leaving a zero balanceAdditionally, we sent notification to thenotional credit-reporting agencies to remove the delinquencies that were reported regarding the account.Please allow days for them to update their records.We sincerely apologize for any inconvenience this matter may have caused you and hope that you findthis information to be helpfulShould you have any questions or concerns, please feel free to contact meat ###-###-#### TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Rosa M***
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 account. Comenity Bank issues the Talbots credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint
that you mailed your payments on the 18th of the month and the due date is on the 23rdThis caused the account to be assessed a late fee for each monthYou state that when you receive the billing statement it’s on the 6th,however the Bank claims there is a 28-day billing cycleYou state when you called to ask, you were hung up onYou also state you made two calls to Talbots and received no helpYou request a refund of $and an apologyI am happy to share my findings Please note that Talbots and Comenity Bank are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountTalbots is responsible for handling matters related to sales, merchandise processing, returns and shipping We apologize if you were hung up on; however, we have no indication that you contacted the Bank Please be advised, the due date on your account is the 21st of each monthAdditionally, keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card AgreementAlso explained in the credit card agreement, your due date is a least days after the close of each billing cycle Bank records indicate a billing statement was issued December 26, 2016, with a balance of $and a minimum payment of $due by January 21, Due to no payment received by the due date, a late fee of $was assessed A billing statement was issued on January 26, 2017, with a balance and minimum payment of $due by February 21, Due to no payment received by the due date, a late fee of $25.00, and a finance charge of $were assessed to the balance A billing statement was issued on February 23, 2017, with a balance of $and a minimum payment of $due by March 21, To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your account Online: Online payments submitted through the Bank’s online Account Center before 8:p.mEastern Time (ET) will be credited to your account on the same day, unless you select a date in the futureOnline payments submitted after 8:p.mET will be credited the following day (or on a future scheduled payment date) Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative The above information and more can be found by visiting: *** Although the Bank finds no error, in the interest of customer service, we have credited the account $for a previously assessed late feeThis adjustment created a credit balance on your accountA refund check in the amount of $has been issuedPlease allow days to receive the refund, which will arrive under separate cover I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, KaiM***
Dear *** ***:Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the 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***
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*** *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards, *** ***
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*** *** ***
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***
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 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 *** ***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 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***
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
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,
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
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 am rejecting this response because:
Regards, *** ***
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***
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***
Even though the *** Post Office states they delivered the statements, we never saw them We can't prove that; it's a matter of "he said/she said." We pay our bills The late fees are excessive and punitive I have also contacted the U.SAttorney General's office and AARP regarding this matter
Regards, *** ***
Dear Mr***Thank you for your complaint, addressed to the Revdex.com, regarding the above-notedaccountComenity Capital Bank issues Virgin America Visa credit card accounts, and we respond to allaccount-related questions, Your complaint was forwarded to my attention, and I
appreciate thisopportunity to assist you.Your complaint indicates that you mailed a letter on October 19, 5, where you indicated your desire toclose your account, and have the annual fee reversedYou also state that you are receiving collectioncalls due to the annual fee that was not reversed and for the fees that have been added by the Bank.Please be advised on September 23, 2015, $was charged to your account for the renewal fee.Comenity Capital Bank received your letter requesting to dose the account and credit the annual fee onOctober 26,Since your request was received beyond the day time frame to have the annual feeremoved, it was not credited; however, the account was closed on October 29, 2015.Please note when the Bank's records show that the minimum payment due has not been received by thedue date on an account; we will make attempts to contact you regarding the status of the accountManytimes a payment is overlooked by the customer, and a reminder call is helpful to bring the account back toa current statusDue to potential negative ramifications for our customers if an account remainsdelinquent, Comenity Capital Bank may call you until our attempt to communicate is successful.The Bank has reviewed the issues in your leaving a zero balanceAdditionally, we sent notification to thenotional credit-reporting agencies to remove the delinquencies that were reported regarding the account.Please allow days for them to update their records.We sincerely apologize for any inconvenience this matter may have caused you and hope that you findthis information to be helpfulShould you have any questions or concerns, please feel free to contact meat ###-###-#### TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Rosa M***
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 account. Comenity Bank issues the Talbots credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint
that you mailed your payments on the 18th of the month and the due date is on the 23rdThis caused the account to be assessed a late fee for each monthYou state that when you receive the billing statement it’s on the 6th,however the Bank claims there is a 28-day billing cycleYou state when you called to ask, you were hung up onYou also state you made two calls to Talbots and received no helpYou request a refund of $and an apologyI am happy to share my findings Please note that Talbots and Comenity Bank are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountTalbots is responsible for handling matters related to sales, merchandise processing, returns and shipping We apologize if you were hung up on; however, we have no indication that you contacted the Bank Please be advised, the due date on your account is the 21st of each monthAdditionally, keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card AgreementAlso explained in the credit card agreement, your due date is a least days after the close of each billing cycle Bank records indicate a billing statement was issued December 26, 2016, with a balance of $and a minimum payment of $due by January 21, Due to no payment received by the due date, a late fee of $was assessed A billing statement was issued on January 26, 2017, with a balance and minimum payment of $due by February 21, Due to no payment received by the due date, a late fee of $25.00, and a finance charge of $were assessed to the balance A billing statement was issued on February 23, 2017, with a balance of $and a minimum payment of $due by March 21, To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your account Online: Online payments submitted through the Bank’s online Account Center before 8:p.mEastern Time (ET) will be credited to your account on the same day, unless you select a date in the futureOnline payments submitted after 8:p.mET will be credited the following day (or on a future scheduled payment date) Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative The above information and more can be found by visiting: *** Although the Bank finds no error, in the interest of customer service, we have credited the account $for a previously assessed late feeThis adjustment created a credit balance on your accountA refund check in the amount of $has been issuedPlease allow days to receive the refund, which will arrive under separate cover I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, KaiM***
Dear *** ***:Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the 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***