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, *** ***
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, *** ***
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***
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 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***
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 (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 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 ** **: 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*** *** ***
*** *** *** ***
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***
Dear Ms***We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues VICTORIA’S SECRET credit card accounts, we are here to answer account-related questionsYour complaint was forwarded to my attention and I appreciate the
opportunity to assist you.We understand from your complaint that you moved a couple of times in and in 2013; never receiving the billing statements; which resulted in late payments being reported to the credit bureaus on five occasionsFurthermore, you state that the late fees were removed but the delinquencies were not removed as you were told would beYou are asking if the Bank will remove the late payments that reported for October and July-September from your credit file, as a courtesy.Bank records indicate that you sent a secure message on November 3, 2015, referencing your payment due date, and asking for the late fees to be removed as we do not offer auto payOur associate provided the payment options to you and, as a courtesy, waived one late fee totaling $25.00.On April 18, 2016, you sent the Bank a secured message, which indicated you filed a dispute through *** *** regarding the late payments reporting to your credit file, as you had moved and did not get your statements; as such, the account was reported delinquent for October and January After another move to a temporary location later in 2013, your account was again, reported delinquent for the months of July 2013, August 2013, and September 2013, as you were without an addressYou stated that you had spoken to someone during that time who waived the late fees for the most part; however, did not take from the credit report, as you were told, and you wanted the late payments removedOn this day our representative sent you a response that indicated the late fee was credited to your account as a courtesy; you replied and advised that was not what you were askingOn April 19, 2016, our representative sent you an additional response apologizing and advising that if you had concerns with your credit score, to contact the credit bureaus and, you were provide with the credit-reporting agencies contact information.Please understand that Comenity Bank can only remove or change information that our company incorrectly furnished to the credit-reporting agenciesAfter reviewing our records, we found that the information reported is accurateAs such, we are unwilling to remove the late payment from your credit fileEnclosed are copies of the mentioned billing statements for your records.We understand that our customers may experience circumstances beyond their control which may cause their accounts to become past dueAs an option, you may want to considersubmitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past dueThis statement will not change your credit rating; however, it will explain to potential creditors why the account became past due, and it may contribute to their decisionThe credit bureaus may be reached by using the following information:Experian (TRW)TransUnion (TRU)Equifax (CBI)PO Box Experian Parkway Allen, TX - ###-###-####PO Box Springfield, PA - ###-###-####PO Box Atlanta, GA - 024###-###-####http://www.experian.comhttp://www.transunion.comhttp://www.equifa...⇄ you have any further questions or concerns, 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
We received your complaint, addressed to the
Revdex.com, regarding the account referenced above. Comenity Bank issues west elm credit card
accounts, and we respond to account-related questions. Your complaint was forwarded to my attention,
and I appreciate the opportunity
to respond to your concerns.We understand your concerns regarding the $
reward certificate that was sent to you on August 24, 2015, that was never
received. I apologize for any
inconvenience this matter may have caused you.We
have manually added points to your account to generate a second reward. A $reward certificate will be issued on
October 24, 2015. Please be advised that
you should receive this reward certificate within 4-weeks from the date
issued.We hope this information is helpful. Should you have any other questions or
concerns regarding this account, please feel free to contact me at
###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Ashley H*** *** ***
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 *** *** 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***
Dear Ms*** We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you are receiving several calls a day regarding the above-referenced account. You are requesting compensation for the number of calls placed to you. Additionally, you are requesting that the account is closed, your balance brought to zero, and all negative reporting is removed from your credit file. I am happy to share my findings with youPlease be assured that the Bank has updated the telephone numbers ending in *** and *** as “do not call”. The calls should have ceased by nowWhen our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. After reviewing the account, our records indicate that the account balance is $with a minimum payment of $due by March 12, 2016, and the account is three billing periods past due. If the account becomes six consecutive billing periods past due, the account will be permanently closed, written off and reported to the credit-reporting agencies as an unpaid debt. This will stay on your credit file for seven yearsComenity Bank finds the balance to be valid, as such; Comenity Bank is unwilling to bring the balance to zeroComenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. A recent review of the information being reported for your LANE BRYANT credit card account did indicate a discrepancy. To address your concern, we have updated our records and notified the credit-reporting agencies of the changes that need to be made to your credit report. Please understand that the payment history is reporting correctly, and will not be changed or deletedPlease allow days for their records to be updatedThe account was closed on March 4, 2016, per your requestIf you choose to set up suitable payment arrangements or discuss your account, you may contact our Customer Retention team at ###-###-#### (TDD/TTY ###-###-####)We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact our Customer Retention team at the number provided. They will be happy to assist you. Sincerely, Renee S***
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, *** ***
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, *** ***
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***
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 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***
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
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 *** *** ***: 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 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 ** **: 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*** *** ***
*** *** *** ***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
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***
Dear Ms***We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues VICTORIA’S SECRET credit card accounts, we are here to answer account-related questionsYour complaint was forwarded to my attention and I appreciate the
opportunity to assist you.We understand from your complaint that you moved a couple of times in and in 2013; never receiving the billing statements; which resulted in late payments being reported to the credit bureaus on five occasionsFurthermore, you state that the late fees were removed but the delinquencies were not removed as you were told would beYou are asking if the Bank will remove the late payments that reported for October and July-September from your credit file, as a courtesy.Bank records indicate that you sent a secure message on November 3, 2015, referencing your payment due date, and asking for the late fees to be removed as we do not offer auto payOur associate provided the payment options to you and, as a courtesy, waived one late fee totaling $25.00.On April 18, 2016, you sent the Bank a secured message, which indicated you filed a dispute through *** *** regarding the late payments reporting to your credit file, as you had moved and did not get your statements; as such, the account was reported delinquent for October and January After another move to a temporary location later in 2013, your account was again, reported delinquent for the months of July 2013, August 2013, and September 2013, as you were without an addressYou stated that you had spoken to someone during that time who waived the late fees for the most part; however, did not take from the credit report, as you were told, and you wanted the late payments removedOn this day our representative sent you a response that indicated the late fee was credited to your account as a courtesy; you replied and advised that was not what you were askingOn April 19, 2016, our representative sent you an additional response apologizing and advising that if you had concerns with your credit score, to contact the credit bureaus and, you were provide with the credit-reporting agencies contact information.Please understand that Comenity Bank can only remove or change information that our company incorrectly furnished to the credit-reporting agenciesAfter reviewing our records, we found that the information reported is accurateAs such, we are unwilling to remove the late payment from your credit fileEnclosed are copies of the mentioned billing statements for your records.We understand that our customers may experience circumstances beyond their control which may cause their accounts to become past dueAs an option, you may want to considersubmitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past dueThis statement will not change your credit rating; however, it will explain to potential creditors why the account became past due, and it may contribute to their decisionThe credit bureaus may be reached by using the following information:Experian (TRW)TransUnion (TRU)Equifax (CBI)PO Box Experian Parkway Allen, TX - ###-###-####PO Box Springfield, PA - ###-###-####PO Box Atlanta, GA - 024###-###-####http://www.experian.comhttp://www.transunion.comhttp://www.equifa...⇄ you have any further questions or concerns, 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
We received your complaint, addressed to the
Revdex.com, regarding the account referenced above. Comenity Bank issues west elm credit card
accounts, and we respond to account-related questions. Your complaint was forwarded to my attention,
and I appreciate the opportunity
to respond to your concerns.We understand your concerns regarding the $
reward certificate that was sent to you on August 24, 2015, that was never
received. I apologize for any
inconvenience this matter may have caused you.We
have manually added points to your account to generate a second reward. A $reward certificate will be issued on
October 24, 2015. Please be advised that
you should receive this reward certificate within 4-weeks from the date
issued.We hope this information is helpful. Should you have any other questions or
concerns regarding this account, please feel free to contact me at
###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Ashley H*** *** ***
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 *** *** 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***
Dear Ms*** We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you are receiving several calls a day regarding the above-referenced account. You are requesting compensation for the number of calls placed to you. Additionally, you are requesting that the account is closed, your balance brought to zero, and all negative reporting is removed from your credit file. I am happy to share my findings with youPlease be assured that the Bank has updated the telephone numbers ending in *** and *** as “do not call”. The calls should have ceased by nowWhen our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. After reviewing the account, our records indicate that the account balance is $with a minimum payment of $due by March 12, 2016, and the account is three billing periods past due. If the account becomes six consecutive billing periods past due, the account will be permanently closed, written off and reported to the credit-reporting agencies as an unpaid debt. This will stay on your credit file for seven yearsComenity Bank finds the balance to be valid, as such; Comenity Bank is unwilling to bring the balance to zeroComenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. A recent review of the information being reported for your LANE BRYANT credit card account did indicate a discrepancy. To address your concern, we have updated our records and notified the credit-reporting agencies of the changes that need to be made to your credit report. Please understand that the payment history is reporting correctly, and will not be changed or deletedPlease allow days for their records to be updatedThe account was closed on March 4, 2016, per your requestIf you choose to set up suitable payment arrangements or discuss your account, you may contact our Customer Retention team at ###-###-#### (TDD/TTY ###-###-####)We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact our Customer Retention team at the number provided. They will be happy to assist you. Sincerely, Renee S***