Dear ** **: We received your complaint regarding the above-referenced credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to
my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you tried to set up automatic payments for your account; however, you were unaware that the Bank does not have the option for automatic paymentsFurthermore, you state that as a result of not receiving your billing statements, your account was reported delinquent and you are requesting that your credit bureau file be updated. To better assist you, we need additional information to locate the account(s) in questionPlease provide the following: ? Complete Comenity Bank Account Number ? Any Previous Names of Accountholder ? Any Previous Addresses ? Home Telephone Number ? Social security number This 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 Ms***Thank you for contacting Comenity Bank, regarding the above-referenced accountAs the bank thatissues Bealls credit card accounts, we are here to assist with all account-related questionsYourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and I
appreciate theopportunity to respond to your concerns.We understand your concerns regarding the reporting of the accountSpecifically, that Transunioncontinues to report delinquencies which you state they contacted us about, and we verified as valid.You are requesting that Comenity Bank correct your credit bureau report to remove any delinquenciesand report the account as closed by the consumer.Please be assured that Comenity Bank reports the same information to each of the national creditreportingagenciesA review of the reporting indicates that all credit-reporting agencies are reporting theaccount as closed by the consumerAdditionally, all agencies except Transunion, are reporting nodelinquenciesBank records show no recent inquiry from Transunion requesting verification ofinformationPlease be advised that notification has been sent to Transunion with instructions to updateyour Bealls payment history to remove any delinquenciesPlease allow the credit-reporting agency 45days to update their records.We apologize for any frustration or inconvenience this matter may have caused you and we hope you findthis information helpfulShould you have any further questions or concerns; please contact me at###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Geanine M*** *** ***
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Dear Ms*** Thank you for contacting Comenity Bank, regarding your maurices and VICTORIA’S SECRET credit card accountsAs the bank that issues maruices and VICTORIA’S SECRET credit card accounts, we are here to assist with all account-related questionsYour complaint, addressed to the
Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint, on March 3, 2016, you made a $online payment for both your maurices and VICTORIA’S SECRET credit card accounts, utilizing one of your personal checking accountsYou state that your VICTORIA’S SECRET credit card payment posted to the account without error, however, your maurices credit card payment was returned. As a result of the maurices returned payment, your account was assessed a %retunred check feeYou advise that you telephoned our Customer Care team, and contacted us via the online secured messaging system, requesting information as to why your payment was returned; but you were provided with inaccurate information. Additionally, you state you were advised by our representative that your credit limit would be reinstated and the $fee would be reversedHowever, when you follow up and call back, you are provided with different informationYou are requesting that Comenity Bank remove the fee from your balance, reinstate your credit limit and delete the six month utility suspensionLastly, you want the flexibility to pay the accounts from whatever bank account you choose and to removed any negative notations on your credit bureau that may have resulted from this matter.We would like to apologize for any inconvenience or frustration this matter may have caused youPlease be assured, the Bank has review the concerns in your complaint, as well as the applicable phone conversations and secured messagesWe apologize if you felt that you did not receive the best customer serviceComenity Bank is committed to providing excellent customer service and we are disappointed when a customer feels that this standard was not met.Bank records indicate that on March 3, 2016, you accessed our online Account Center and scheduled payments of $on your VICTORIA’S SECRET and maurices accountsPlease sbe advised that when reviewing the bank information entered, we found that an extra digit was entered in the bank account number when scheduling the payment for mauricesThe same invalid account number was used on the maurices payment that was scheduled on march 8, Therefore, both payments to the maurices account were returned with the notation of “no bank account, unable to locate”Due to an invalid bank account number being entered, your financial institution would have no records of these payments.We understand that these invalid entries were not intentional, and we are happy to make adjustments to your accountPlease be assured your maurices account has been reinstated, and the $returned check fee has been credited to your accountPlease allow up to two billing cycles for tis credit to reflect on your monthly billing statementNo derogatory information was sent to the credit-reporting agencies as a result of this matter.You are a valued customer and we hope you find this information to be helpfulShould there be additional questions or concerns about this matter, please contact me at ##########ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M***
Comenity Bank received the complaint for *** In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension
Dear *** ***Comenity Bank received your complaint, submitted to the Revdex.com, regarding theabove-noted accountAs the bank that issues VICTORIA’S SECRET accounts, we respond toall account-related concernsI appreciate the opportunity to assist you.Your complaint states that
you are a victim of identity theft and that you sent documentation tothe company, in addition to the creditor along with a police recordYou further claim that theinformation is to be corrected on your credit file and you are requesting an investigation with proofof signature sent to your home addressYou also claim that after speaking to the merchant youwere advised the item would be removed from your credit file, which was almost five months ago,and you are again requesting the account be removed from your credit report.Please be assured your concerns have been forwarded to our Account Protection (Fraud) team,and fraud case number *** was opened on September 22, Yolanda McGee isthe investigator assigned to your caseThe investigation may take up to days to be completed,and you will be notified by mail of the outcomeThe account is not open for purchases, and theBank has no record of receiving previous documents or a police record from you, as indicated inour complaint.As you believe you have been a victim of identity theft, there are some steps we suggest youimmediately consider taking if you have not done so already:You have the right to place a fraud alert on your credit reportsA fraud alert tells creditorsto contact you before they open any new accounts or change your existing account(s)Todo this, you can contact any one of the consumer reporting companies mentioned below.If you contact any one of them, the one you contact is required to notify the other two toplace an alert on their files as well.Experian (TRW) TransUnion (TRU) Equifax (CBI)PO Box Experian ParkwayAllen, TX - 0036###-###-####PO Box 390Springfield, PA - 0390###-###-####PO Box 740241Atlanta, GA - 0241###-###-####http://www.experian.com http://www.transunion.com http://www.equifax.comIdentity theft is a crimeYou can file a report with your local police or the police departmentin the community where the crime took placeMany police departments have a specialIdentity Theft Report, which is a police report with more than the usual amount of detail.If the detailed Identity Theft Report is available, we recommend you obtain a copy in orderto protect your rightsYou can go to the Federal Trade Commission website on identity theft:www.ftc.gov/idtheftIt contains additional information and will refer you to resources thatcould be helpful in dealing with your situation.I hope you found this information to be helpfulShould you have any additional questions orconcerns about the investigation, please contact our Account Protection team at ###-###-####,(TDD/TTY ###-###-####)The investigator will be happy to assist you.Sincerely,Shawnda Y***
Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Virgin America Visa credit cardWe are here to answer your questions and assist with your concerns. You mentioned you were
approved for the above-mentioned account, and within two weeks the account was closed by the BankDue to the circumstances, your credit score has been affected. When contacting the Bank about the situation, you have not received any helpYou are requesting to have the Virgin America Visa account reopenedWe have researched your concerns and we would like to provide you with the following information. In regard to your account being closed, the Bank sent a letter on February 25, 2017, advising the account had been closed as a result of the number of recent inquiries on your credit reportA copy of this correspondence is enclosed with this letterPlease note the Credit Card Agreement (CCA) gives us the right to investigate customer credit records and to close an account at any time, for any reason. After a review of your account, you were advised on February 27, 2017, that a credit would be given for the annual membership fee as the account had been closedPlease be advised that credit, in the amount of $49.00, will post to your account within the next one to two billing statements. While the credit card can no longer be used for purchases, you are still responsible for paying any remaining balance on your account. After a review of the reporting to the credit-agencies, the Virgin America Visa account was not reporting to the TransUnion credit reportAs we are required by law to report factual information, notification has been sent to have the information updatedPlease allow the credit-reporting agency days to update their recordsFor more information regarding credit bureau reporting and what may or may not affect your credit score, please contact the credit reporting agencies belowIn addition, you are entitled to contact the credit reporting agency contained in the enclosed letter directly to obtain a copy of your credit report used to make the account closure decision. This card is issued by Comenity Capital Bank pursuant to a license by Visa U.S.A., Inc. We apologize for any frustration or inconvenience this may have caused youI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L***
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
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*** *** ***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,*** ***
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*** *** *** *** ** ***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,*** ***
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its curious to me that the address on your letter is written correctly, yet the address on the statements is not. now, I enrolled to have statements sent to my bank because you could not get the address correct on the mailed statement(LOOK at the address on the statement vs the address on this letter...they are NOT the same.). now, if you carefully examine the payments, purchases, returns, etc, you will see that was is on this statement, the balance you claim is owing, is late fees, finance charges youve assessed on the late fees, more late fees, and more interest charges. there is no balance on the card for merchandise. I have been a shopper with victoria's secret for decadesall ive ever asked of you is that you SEND THE STATEMENTS TO THE CORRECT ADDRESS. thats it. if the reason no payment was made was because of an error on my part, then its an error on my part and I own it. im not a child. the problems with this account is errors on your part. and you compound the error by assessing more late fees and interest charges on late fees and interest charges. and nothing you can do is going to compel me to pay any of it. the error wasnt on my part. you forced me to have paperless statements sent to my bank because you couldnt get the address correct. this forced me to guess what was owed. I cant access the records on your web site for reasons I dont know. and yes, ive tried to address them with a representative and got no help. so I enrolled via my bank. every penny I owed on my account for merchandise has been paid. im not paying late fees on late fees on late fees on interest charges. and, after having been a shopper at victoria's secret since I was in my 20's, thanks to you I wont shop there any more either. thats your customer service.now, you can do the right thing, or not. thats your choice. ive already made mine
Regards, *** ***
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 am enclosing in the fax documents to support the payoff of a jcrew Comenity Bank card this is listed on my creditreport as a charge off paid less than full balanceThis account was paid in fullHere are the paymentsthat support there was no charge off and the amount was paid in fullI would like my repost update tostate what is accurateThere was no settlement or no write of balance.*** ***
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Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns. Your correspondence states you
called the Bank since you did not get a statementYou asked the representative how much the bill was and you were given a specific amount to payYou made the payment at the store; however, you began receiving calls from the Bank about a past due bill. You state when you previously called about your bill you were told the wrong amount to payYou were later told you owed another $and because of the previous misinformation, it now appeared that you missed a paymentYou want the late fees removed from your account, as you will not pay them. Our review of your account shows that a billing statement was issued to you on March 6, 2017, reflecting a balance of $and a minimum payment of $due by April 1, Payment of $was received on March 20, 2017; however, the payment was returned by your financial institution due to insufficient funds and was debited to your account on March 29, The account was assessed a late fee and a finance charge. Please 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 Agreement. A billing statement was issued to you on April 5, 2017, reflecting a balance of $and a minimum payment of $due by May 1, Payment of $was received on April 9, 2017, and was less than the required minimum dueAs a result, the account was assessed a late fee of $Enclosed are copies of your statements for your reference. A review of the applicable telephone call(s) confirmed that you were provided the correct amount to payAs there were no errors on the part of the Bank, and the fees charged are valid, no credits are due to the account. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S***
Thank you for contacting Comenity Bank regarding the above-referenced accountAs the bank that issuesVictoria’s Secret credit cards, we are here to help answer account-related questionsYour complaint, sent to the Revdex.com, was forwarded to my attention for review, and I appreciate
the opportunity to assist youWe understand from your complaint that you did not receive your billing statements by email notification or by mailYou found that the account was past due after receiving telephone calls from the BankAlthough a late fee was removed from the account, you are requesting the Bank to remove the delinquencyBank records indicate that the account was registered on our Account Center on November 11, 2011, which provides accountholders with the ability to view statements and make payments onlineAdditionally, the electronic statement (eStatement) option was chosenStatement ready email messages were sent to the email address we have on file, ***@YAHOO.COMWe have no record of the messages being returned as undeliverable, thus the account was assessed late fees and finance charges, as a result of non-paymentAdditionally, as the account went two billing periods past due, the Bank mailed the February 6, 2016, billing statement to the address listed in our records of, *** *** *** ***, Chesapeake VA- Enclosed are copies of the billing statements for your recordsThe Bank received payment, in the amount of $on February 9, 2016, and the account was credited for a $late feeAs of today’s date the account balance is zeroAs a courtesy, we removed the 30-day late payment from the accountPlease be assured that this information will update with the national credit-reporting agencies within daysPlease also be assured that we updated the address to reflect the address you provided in your complaintAlso, we are disappointed that you closed your account; however, should you wish to make future purchases with a Victoria’s Secret credit card, we encourage you to reapply at the store or online at www.victoriassecret.comWe apologize for any frustration or inconvenience you have been causedIf you have any further questions or concerns, please contact me at 1.800.675.5685, ext*** (TDD/TTY 1.800.695.1788)I will be happy to assist youSincerely, Shawnda Y*** 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 and HOT TOPIC credit card accounts, and we are here to answer your account-related questionsThe complaint was forwarded to my attention,
and I appreciate the opportunity to address your concerns.We understand your concerns expressed in the complaint with regard to the payments you have made to your accounts and the telephone calls that you believe are harassingYou indicated that you made your account payments, and have received confirmation emailsYou requests the Bank remove all the late fees from your VICTORIA’S SECRET, and HOT TOPIC, along with your husband’s accountYou have also requested the three accounts closed and that the Bank cease from contacting you again in the future.Please be assured that we reviewed your accounts noted-above and we are happy to explain our findingsHowever, due to third party laws, we are unable to provide you with your husband’s account information or close the account at your requestMrVanesko may contact me at the number below in order to discuss his account and/or provide authorization to discuss the account details with youWe apologize for the inconvenience this may have caused you.Bank records indicate payments posted to your VICTORIA’S SECRET account on-time, up through February A payment of $was due on March 28, You schedule the payment on Account Center on March 27, 2016; however, the payment did not process or post to your account, which resulted in a $late fee chargeThis late fee was credited to your account on April 11, The last payment of $was received on May 27, 2016, and as of today’s date, the account is current with a balance of $708.87.Bank records further show that payments posted to your HOT TOPIC account on-time until March A payment of $was due on April 3, You scheduled a payment on Account Center on April 4, 2016; however, the payment did not process or post to your account, which resulted in a $late fee charge, which was credited to your account on April 18, The last payment of $was received on June 1, 2016, and the account balance is zero.Please 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 Agreement.Additionally, when our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to the potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successfulPer your request, a “cease and desist” status has been placed on both accounts, which will cease all telephone calls to youYou will continue to receive certain legal communications as permitted by law.As requested, the VICTORIA’S SECRET AND HOT TOPIC accounts have been closed and no additional purchases can be made to the accountsIf you wish, you may reapply for the accounts in the store or online.We apologize for the inconvenience you have experienced and we hope this information is helpfulIf you have any further questions or concerns about your accounts, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns. We understand from your correspondence,
submitted to the Revdex.com, that you are refinancing your homeYou state that you closed this account on March 29, 2014; however, the account is not showing a closed date on your Equifax credit reportAdditionally, your wife is an authorized user on the account, and the account is showing as open on her fileYou are requesting that the Bank update both credit files as closed with a closed date. A review of Bank records indicates the Lane Bryant account was closed, at your request, on March 28, Further review finds that *** *** was removed from the account as an authorized user on March 29, 2017. Please be assured that Comenity Bank reports the same information to each of the national credit-reporting agenciesHowever, a review of the information being reported did indicate some discrepanciesAs such, we sent notification to the credit-reporting agencies of the changes that need to be madePlease allow days for them to update their records. I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S***
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the above-referencedaccountComenity Bank issues Roaman's@ credit card accounts, and we are here to assist you with allaccount-related questions or concernsI appreciate the opportunity to respond to
your concerns.We understand from your complaint that you ordered a blouse from Roaman's, and became 111, whichcaused you to become behind on your payments, so late fees were added to the account balanceYoumade payments on the account, but your balance kept increasingA representative advised you of asettlement offer for $which had to be pad by December 15, On December 13, 2104, youpald $by phoneAfter this payment, the Bank continued to call and demand paymentsYou arerefusing to pay anything furtherYou would like Comenity Bank to honor the settlement for $82.00.Thank you for speaking with me an June 16, Per our discussion, please find a summary of ourconversation below.Please be advised, The Bank has reviewed the concerns in your complaint, as well as the applicabletelephone conversationsThe original setalernent offer was $Upon revlew of the telephone callbetween you and a Bank associate on December 13, 2014, we recognize during this call the associateadvised you that the settlement offer was $82.00, which you pad that day This matter has beenreviewed with our management team and addressed with the associate.This letter will serve as verification of a settlement on the above referenced Roaman's@ credit cardaccountThe last payment was $received on December 13, The account was paid as asettlement in full and will be reported to the credit reporting agencies as "closed settlement, paid in full forless than the full balance." Please allow up to 2-weeks for this information to be updated on your creditfile.You are a valued customer and we apologize for any confusion or frustration this matter has caused you.Should you have any further questions regarding your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####).I will be happy to assist you.Sincerely, *** ***Consumer Relations
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the LOVELOFT credit cardWe are here to answer your questions and assist with your concerns. We understand from your correspondence, you opened
the above-referenced account to receive a discountWhen you received your invoice, you contacted LOVELOFT and paid the total amount due of $You state when you closed your account, although you received confirmation your account balance was zero, you were charged a late feeYou further state, you have been told that there is nothing you can do because your account is closed. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement. On August 21, 2017, a billing statement was issued reflecting a balance of $32.63, with a minimum payment of $due by September 16, On September 20, 2017, a payment of $32.63 posted to the account; however, because the payment was received after the due date, a late fee and a finance charge were assessed to the account. On October 30, 2017, you contacted the Bank regarding the late fees and finance charges assessed to your accountAs a result, credits were issued totaling $to remove the previously assessed late fees and finance chargesPlease be assured, all credits have posted and resulted in a zero balance. The account was closed at your request on September 20, 2017. I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Laura R***
Dear ** **: We received your complaint regarding the above-referenced credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to
my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you tried to set up automatic payments for your account; however, you were unaware that the Bank does not have the option for automatic paymentsFurthermore, you state that as a result of not receiving your billing statements, your account was reported delinquent and you are requesting that your credit bureau file be updated. To better assist you, we need additional information to locate the account(s) in questionPlease provide the following: ? Complete Comenity Bank Account Number ? Any Previous Names of Accountholder ? Any Previous Addresses ? Home Telephone Number ? Social security number This 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***
No, its not settled, I got a bill from Victoria's Secrets this past WedSo they are still billing meI sent it back "return to sender".***
Dear Ms***Thank you for contacting Comenity Bank, regarding the above-referenced accountAs the bank thatissues Bealls credit card accounts, we are here to assist with all account-related questionsYourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and I
appreciate theopportunity to respond to your concerns.We understand your concerns regarding the reporting of the accountSpecifically, that Transunioncontinues to report delinquencies which you state they contacted us about, and we verified as valid.You are requesting that Comenity Bank correct your credit bureau report to remove any delinquenciesand report the account as closed by the consumer.Please be assured that Comenity Bank reports the same information to each of the national creditreportingagenciesA review of the reporting indicates that all credit-reporting agencies are reporting theaccount as closed by the consumerAdditionally, all agencies except Transunion, are reporting nodelinquenciesBank records show no recent inquiry from Transunion requesting verification ofinformationPlease be advised that notification has been sent to Transunion with instructions to updateyour Bealls payment history to remove any delinquenciesPlease allow the credit-reporting agency 45days to update their records.We apologize for any frustration or inconvenience this matter may have caused you and we hope you findthis information helpfulShould you have any further questions or concerns; please contact me at###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Geanine M*** *** ***
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Dear Ms*** Thank you for contacting Comenity Bank, regarding your maurices and VICTORIA’S SECRET credit card accountsAs the bank that issues maruices and VICTORIA’S SECRET credit card accounts, we are here to assist with all account-related questionsYour complaint, addressed to the
Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint, on March 3, 2016, you made a $online payment for both your maurices and VICTORIA’S SECRET credit card accounts, utilizing one of your personal checking accountsYou state that your VICTORIA’S SECRET credit card payment posted to the account without error, however, your maurices credit card payment was returned. As a result of the maurices returned payment, your account was assessed a %retunred check feeYou advise that you telephoned our Customer Care team, and contacted us via the online secured messaging system, requesting information as to why your payment was returned; but you were provided with inaccurate information. Additionally, you state you were advised by our representative that your credit limit would be reinstated and the $fee would be reversedHowever, when you follow up and call back, you are provided with different informationYou are requesting that Comenity Bank remove the fee from your balance, reinstate your credit limit and delete the six month utility suspensionLastly, you want the flexibility to pay the accounts from whatever bank account you choose and to removed any negative notations on your credit bureau that may have resulted from this matter.We would like to apologize for any inconvenience or frustration this matter may have caused youPlease be assured, the Bank has review the concerns in your complaint, as well as the applicable phone conversations and secured messagesWe apologize if you felt that you did not receive the best customer serviceComenity Bank is committed to providing excellent customer service and we are disappointed when a customer feels that this standard was not met.Bank records indicate that on March 3, 2016, you accessed our online Account Center and scheduled payments of $on your VICTORIA’S SECRET and maurices accountsPlease sbe advised that when reviewing the bank information entered, we found that an extra digit was entered in the bank account number when scheduling the payment for mauricesThe same invalid account number was used on the maurices payment that was scheduled on march 8, Therefore, both payments to the maurices account were returned with the notation of “no bank account, unable to locate”Due to an invalid bank account number being entered, your financial institution would have no records of these payments.We understand that these invalid entries were not intentional, and we are happy to make adjustments to your accountPlease be assured your maurices account has been reinstated, and the $returned check fee has been credited to your accountPlease allow up to two billing cycles for tis credit to reflect on your monthly billing statementNo derogatory information was sent to the credit-reporting agencies as a result of this matter.You are a valued customer and we hope you find this information to be helpfulShould there be additional questions or concerns about this matter, please contact me at ##########ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M***
Comenity Bank received the complaint for *** In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension
Dear *** ***Comenity Bank received your complaint, submitted to the Revdex.com, regarding theabove-noted accountAs the bank that issues VICTORIA’S SECRET accounts, we respond toall account-related concernsI appreciate the opportunity to assist you.Your complaint states that
you are a victim of identity theft and that you sent documentation tothe company, in addition to the creditor along with a police recordYou further claim that theinformation is to be corrected on your credit file and you are requesting an investigation with proofof signature sent to your home addressYou also claim that after speaking to the merchant youwere advised the item would be removed from your credit file, which was almost five months ago,and you are again requesting the account be removed from your credit report.Please be assured your concerns have been forwarded to our Account Protection (Fraud) team,and fraud case number *** was opened on September 22, Yolanda McGee isthe investigator assigned to your caseThe investigation may take up to days to be completed,and you will be notified by mail of the outcomeThe account is not open for purchases, and theBank has no record of receiving previous documents or a police record from you, as indicated inour complaint.As you believe you have been a victim of identity theft, there are some steps we suggest youimmediately consider taking if you have not done so already:You have the right to place a fraud alert on your credit reportsA fraud alert tells creditorsto contact you before they open any new accounts or change your existing account(s)Todo this, you can contact any one of the consumer reporting companies mentioned below.If you contact any one of them, the one you contact is required to notify the other two toplace an alert on their files as well.Experian (TRW) TransUnion (TRU) Equifax (CBI)PO Box Experian ParkwayAllen, TX - 0036###-###-####PO Box 390Springfield, PA - 0390###-###-####PO Box 740241Atlanta, GA - 0241###-###-####http://www.experian.com http://www.transunion.com http://www.equifax.comIdentity theft is a crimeYou can file a report with your local police or the police departmentin the community where the crime took placeMany police departments have a specialIdentity Theft Report, which is a police report with more than the usual amount of detail.If the detailed Identity Theft Report is available, we recommend you obtain a copy in orderto protect your rightsYou can go to the Federal Trade Commission website on identity theft:www.ftc.gov/idtheftIt contains additional information and will refer you to resources thatcould be helpful in dealing with your situation.I hope you found this information to be helpfulShould you have any additional questions orconcerns about the investigation, please contact our Account Protection team at ###-###-####,(TDD/TTY ###-###-####)The investigator will be happy to assist you.Sincerely,Shawnda Y***
Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Virgin America Visa credit cardWe are here to answer your questions and assist with your concerns. You mentioned you were
approved for the above-mentioned account, and within two weeks the account was closed by the BankDue to the circumstances, your credit score has been affected. When contacting the Bank about the situation, you have not received any helpYou are requesting to have the Virgin America Visa account reopenedWe have researched your concerns and we would like to provide you with the following information. In regard to your account being closed, the Bank sent a letter on February 25, 2017, advising the account had been closed as a result of the number of recent inquiries on your credit reportA copy of this correspondence is enclosed with this letterPlease note the Credit Card Agreement (CCA) gives us the right to investigate customer credit records and to close an account at any time, for any reason. After a review of your account, you were advised on February 27, 2017, that a credit would be given for the annual membership fee as the account had been closedPlease be advised that credit, in the amount of $49.00, will post to your account within the next one to two billing statements. While the credit card can no longer be used for purchases, you are still responsible for paying any remaining balance on your account. After a review of the reporting to the credit-agencies, the Virgin America Visa account was not reporting to the TransUnion credit reportAs we are required by law to report factual information, notification has been sent to have the information updatedPlease allow the credit-reporting agency days to update their recordsFor more information regarding credit bureau reporting and what may or may not affect your credit score, please contact the credit reporting agencies belowIn addition, you are entitled to contact the credit reporting agency contained in the enclosed letter directly to obtain a copy of your credit report used to make the account closure decision. This card is issued by Comenity Capital Bank pursuant to a license by Visa U.S.A., Inc. We apologize for any frustration or inconvenience this may have caused youI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L***
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, *** ***
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*** *** ***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,*** ***
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*** *** *** *** ** ***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,*** ***
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its curious to me that the address on your letter is written correctly, yet the address on the statements is not. now, I enrolled to have statements sent to my bank because you could not get the address correct on the mailed statement(LOOK at the address on the statement vs the address on this letter...they are NOT the same.). now, if you carefully examine the payments, purchases, returns, etc, you will see that was is on this statement, the balance you claim is owing, is late fees, finance charges youve assessed on the late fees, more late fees, and more interest charges. there is no balance on the card for merchandise. I have been a shopper with victoria's secret for decadesall ive ever asked of you is that you SEND THE STATEMENTS TO THE CORRECT ADDRESS. thats it. if the reason no payment was made was because of an error on my part, then its an error on my part and I own it. im not a child. the problems with this account is errors on your part. and you compound the error by assessing more late fees and interest charges on late fees and interest charges. and nothing you can do is going to compel me to pay any of it. the error wasnt on my part. you forced me to have paperless statements sent to my bank because you couldnt get the address correct. this forced me to guess what was owed. I cant access the records on your web site for reasons I dont know. and yes, ive tried to address them with a representative and got no help. so I enrolled via my bank. every penny I owed on my account for merchandise has been paid. im not paying late fees on late fees on late fees on interest charges. and, after having been a shopper at victoria's secret since I was in my 20's, thanks to you I wont shop there any more either. thats your customer service.now, you can do the right thing, or not. thats your choice. ive already made mine
Regards, *** ***
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 reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
Regards, *** ***
I am enclosing in the fax documents to support the payoff of a jcrew Comenity Bank card this is listed on my creditreport as a charge off paid less than full balanceThis account was paid in fullHere are the paymentsthat support there was no charge off and the amount was paid in fullI would like my repost update tostate what is accurateThere was no settlement or no write of balance.*** ***
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Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns. Your correspondence states you
called the Bank since you did not get a statementYou asked the representative how much the bill was and you were given a specific amount to payYou made the payment at the store; however, you began receiving calls from the Bank about a past due bill. You state when you previously called about your bill you were told the wrong amount to payYou were later told you owed another $and because of the previous misinformation, it now appeared that you missed a paymentYou want the late fees removed from your account, as you will not pay them. Our review of your account shows that a billing statement was issued to you on March 6, 2017, reflecting a balance of $and a minimum payment of $due by April 1, Payment of $was received on March 20, 2017; however, the payment was returned by your financial institution due to insufficient funds and was debited to your account on March 29, The account was assessed a late fee and a finance charge. Please 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 Agreement. A billing statement was issued to you on April 5, 2017, reflecting a balance of $and a minimum payment of $due by May 1, Payment of $was received on April 9, 2017, and was less than the required minimum dueAs a result, the account was assessed a late fee of $Enclosed are copies of your statements for your reference. A review of the applicable telephone call(s) confirmed that you were provided the correct amount to payAs there were no errors on the part of the Bank, and the fees charged are valid, no credits are due to the account. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S***
Thank you for contacting Comenity Bank regarding the above-referenced accountAs the bank that issuesVictoria’s Secret credit cards, we are here to help answer account-related questionsYour complaint, sent to the Revdex.com, was forwarded to my attention for review, and I appreciate
the opportunity to assist youWe understand from your complaint that you did not receive your billing statements by email notification or by mailYou found that the account was past due after receiving telephone calls from the BankAlthough a late fee was removed from the account, you are requesting the Bank to remove the delinquencyBank records indicate that the account was registered on our Account Center on November 11, 2011, which provides accountholders with the ability to view statements and make payments onlineAdditionally, the electronic statement (eStatement) option was chosenStatement ready email messages were sent to the email address we have on file, ***@YAHOO.COMWe have no record of the messages being returned as undeliverable, thus the account was assessed late fees and finance charges, as a result of non-paymentAdditionally, as the account went two billing periods past due, the Bank mailed the February 6, 2016, billing statement to the address listed in our records of, *** *** *** ***, Chesapeake VA- Enclosed are copies of the billing statements for your recordsThe Bank received payment, in the amount of $on February 9, 2016, and the account was credited for a $late feeAs of today’s date the account balance is zeroAs a courtesy, we removed the 30-day late payment from the accountPlease be assured that this information will update with the national credit-reporting agencies within daysPlease also be assured that we updated the address to reflect the address you provided in your complaintAlso, we are disappointed that you closed your account; however, should you wish to make future purchases with a Victoria’s Secret credit card, we encourage you to reapply at the store or online at www.victoriassecret.comWe apologize for any frustration or inconvenience you have been causedIf you have any further questions or concerns, please contact me at 1.800.675.5685, ext*** (TDD/TTY 1.800.695.1788)I will be happy to assist youSincerely, Shawnda Y*** Consumer Relations Specialist CC: Revdex.com
I haven't live at the *** ** address for about years. Thank you for responds and action taken to correct the issue.
Regards, *** **
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET and HOT TOPIC credit card accounts, and we are here to answer your account-related questionsThe complaint was forwarded to my attention,
and I appreciate the opportunity to address your concerns.We understand your concerns expressed in the complaint with regard to the payments you have made to your accounts and the telephone calls that you believe are harassingYou indicated that you made your account payments, and have received confirmation emailsYou requests the Bank remove all the late fees from your VICTORIA’S SECRET, and HOT TOPIC, along with your husband’s accountYou have also requested the three accounts closed and that the Bank cease from contacting you again in the future.Please be assured that we reviewed your accounts noted-above and we are happy to explain our findingsHowever, due to third party laws, we are unable to provide you with your husband’s account information or close the account at your requestMrVanesko may contact me at the number below in order to discuss his account and/or provide authorization to discuss the account details with youWe apologize for the inconvenience this may have caused you.Bank records indicate payments posted to your VICTORIA’S SECRET account on-time, up through February A payment of $was due on March 28, You schedule the payment on Account Center on March 27, 2016; however, the payment did not process or post to your account, which resulted in a $late fee chargeThis late fee was credited to your account on April 11, The last payment of $was received on May 27, 2016, and as of today’s date, the account is current with a balance of $708.87.Bank records further show that payments posted to your HOT TOPIC account on-time until March A payment of $was due on April 3, You scheduled a payment on Account Center on April 4, 2016; however, the payment did not process or post to your account, which resulted in a $late fee charge, which was credited to your account on April 18, The last payment of $was received on June 1, 2016, and the account balance is zero.Please 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 Agreement.Additionally, when our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to the potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successfulPer your request, a “cease and desist” status has been placed on both accounts, which will cease all telephone calls to youYou will continue to receive certain legal communications as permitted by law.As requested, the VICTORIA’S SECRET AND HOT TOPIC accounts have been closed and no additional purchases can be made to the accountsIf you wish, you may reapply for the accounts in the store or online.We apologize for the inconvenience you have experienced and we hope this information is helpfulIf you have any further questions or concerns about your accounts, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns. We understand from your correspondence,
submitted to the Revdex.com, that you are refinancing your homeYou state that you closed this account on March 29, 2014; however, the account is not showing a closed date on your Equifax credit reportAdditionally, your wife is an authorized user on the account, and the account is showing as open on her fileYou are requesting that the Bank update both credit files as closed with a closed date. A review of Bank records indicates the Lane Bryant account was closed, at your request, on March 28, Further review finds that *** *** was removed from the account as an authorized user on March 29, 2017. Please be assured that Comenity Bank reports the same information to each of the national credit-reporting agenciesHowever, a review of the information being reported did indicate some discrepanciesAs such, we sent notification to the credit-reporting agencies of the changes that need to be madePlease allow days for them to update their records. I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S***
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the above-referencedaccountComenity Bank issues Roaman's@ credit card accounts, and we are here to assist you with allaccount-related questions or concernsI appreciate the opportunity to respond to
your concerns.We understand from your complaint that you ordered a blouse from Roaman's, and became 111, whichcaused you to become behind on your payments, so late fees were added to the account balanceYoumade payments on the account, but your balance kept increasingA representative advised you of asettlement offer for $which had to be pad by December 15, On December 13, 2104, youpald $by phoneAfter this payment, the Bank continued to call and demand paymentsYou arerefusing to pay anything furtherYou would like Comenity Bank to honor the settlement for $82.00.Thank you for speaking with me an June 16, Per our discussion, please find a summary of ourconversation below.Please be advised, The Bank has reviewed the concerns in your complaint, as well as the applicabletelephone conversationsThe original setalernent offer was $Upon revlew of the telephone callbetween you and a Bank associate on December 13, 2014, we recognize during this call the associateadvised you that the settlement offer was $82.00, which you pad that day This matter has beenreviewed with our management team and addressed with the associate.This letter will serve as verification of a settlement on the above referenced Roaman's@ credit cardaccountThe last payment was $received on December 13, The account was paid as asettlement in full and will be reported to the credit reporting agencies as "closed settlement, paid in full forless than the full balance." Please allow up to 2-weeks for this information to be updated on your creditfile.You are a valued customer and we apologize for any confusion or frustration this matter has caused you.Should you have any further questions regarding your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####).I will be happy to assist you.Sincerely, *** ***Consumer Relations
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the LOVELOFT credit cardWe are here to answer your questions and assist with your concerns. We understand from your correspondence, you opened
the above-referenced account to receive a discountWhen you received your invoice, you contacted LOVELOFT and paid the total amount due of $You state when you closed your account, although you received confirmation your account balance was zero, you were charged a late feeYou further state, you have been told that there is nothing you can do because your account is closed. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement. On August 21, 2017, a billing statement was issued reflecting a balance of $32.63, with a minimum payment of $due by September 16, On September 20, 2017, a payment of $32.63 posted to the account; however, because the payment was received after the due date, a late fee and a finance charge were assessed to the account. On October 30, 2017, you contacted the Bank regarding the late fees and finance charges assessed to your accountAs a result, credits were issued totaling $to remove the previously assessed late fees and finance chargesPlease be assured, all credits have posted and resulted in a zero balance. The account was closed at your request on September 20, 2017. I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Laura R***