As of today, we have decided to hire legal counsel to represent us with fraudulent sales practices at The RoomPlace and have a news team investigation The main salesman at the RoomPlace who told us the bedroom furniture cost would be "eaten" by the store Manager has agreed to be one of our testimonial witnesses We plan to sue for a much much larger amount than $3,000, this caused has caused us so much stress, I am on stress medication and high blood pressure medicine stressing over this fraudulent case.Thank you for all your help in this matter our attorney has agreed to take our case from her to sue The RoomPlace for their faulty and sneaky, deceptive practices.Thanking you in advance
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***
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*** *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meI do, however, feel that they have acted dishonorably, and are likely to do so to others in the futureA single transaction with them caused me a drastic amount of trouble, and I do not believe they would have set it right absent my having filed a complaint hereThank you very much for your help, and I hope you will continue to shine a light on the dubious practices of this business.
Regards,
*** ***
Dear *** ***We received your complaint, submitted to the
Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Overstock.com
credit card accounts, and we are here to help with your account-related
questions. I appreciate this
opportunity
to assist you. We understand from your complaint that you
contacted the Bank and during your call, when requesting a manager, you were
hung up on. Additionally, you state that
you never received a bill for the alleged balance and confirmed they were sent
to a wrong address. Multiple fees have
been assessed, and a payment of $was applied to the wrong account. At this time you are requesting the late fees
be removed, an update to your credit report, and an apology from the Bank. I am happy to share my findings with you.We have reviewed the issues in your complaint
as well as the applicable telephone conversations. We apologize if you felt you did not receive
the best customer service. We never
intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best
customer service and are disappointed when a customer feels this standard was
not met.Please find a summary of your Overstock.com
account below. I have enclosed a copy of
the Credit Card Agreement (CCA), as well as copies of the billing statements
which show the account activity that comprised the account balance and
delinquencies which are reporting to the credit bureausThe Overstock.com account was opened on
January 13, 2015; use of the account, or failure to close the account within
days of receiving the CCA indicates acceptance of the terms of the agreement,
including the assessment of any finance charges and fees.Bank records indicate the Overstock.com
account was issued a statement on September 8, 2015, which reflected a balance
of $with a minimum payment of $25.00, due by October 4, 2015. A statement was issued on October 9, 2015,
which reflected a balance of $with a minimum payment of $30.00, due by November
4, 2015. A statement was issued on
November 8, 2015, which reflected a balance of $and a minimum payment of
$37.00, due by December 4, 2015. A
statement was issued on December 9, 2015, with a balance of $and a
minimum payment of $46.00, due by January 4, 2016. Due to non-receipt of payment, the account
was reported to the credit-reporting agencies as three billing statements past
due.Furthermore, on October 8, 2015, a phone call
was placed to you by a representative of the Bank’s collection team This call was to advise you of the status of your
Limited account, serviced by Comenity Bank. During this call, you scheduled a $payment to bring your Limited
account current, and you confirmed that your address on Nicole Drive in
Milford, Connecticut was current. Please
be advised that the Overstock.com billing statements were issued to the Nicole
Drive address and the Bank has no record of the statements being returned as undeliverable.On December 11, 2015, a phone call was placed
to you by a representative of the Bank’s collection team to advise you of the
status of the Overstock.com accountYou then updated the address to your State
Street address, as shown above, and advised the statements were being sent to a
previous address.Although no Bank errors were found, in the
interest of customer service, a credit in the amount of $was applied to
the Overstock.com account for late fees. We encourage you to contact our Payment Solutions team at ###-###-####
(TDD/TTY ###-###-####), to set up payment arrangements.Please be advised, we are unwilling to update
the payment history due to no Bank error. Billing statements were mailed to the address listed on the account. We understand that our customers may
experience circumstances beyond their control which may cause their accounts to
become past due. As an option, you may
want to consider submitting a consumer statement to the credit-reporting
agencies, explaining the reason(s) why the account became past due. This 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 decision. The credit agencies can
be contacted with the below information:Experian
(TRW) TransUnion
(TRU) Equifax
(CBI)PO Box Experian Parkway Allen, TX - ###-###-#### PO Box Springfield, PA - ###-###-#### PO Box Atlanta, GA - ###-###-####http://www.experian.com http://www.transunion.com http://www.equifax.comWe hope this information is helpful. Should you have any further questions or concerns
regarding this letter, please contact me at ###-###-####5, ext*** (TDD/TTY
###-###-####). I would be happy to
assist you.Sincerely,KaiM***
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***
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding your Lane Bryant Retailcredit card accountComenity Bank issues Lane Bryant Retail credit card accounts, and we respond toall account-related questions and concernsYour complaint was forwarded to my
attention, and Iappreciate the opportunity to assist you.We understand from your complaint that you made a purchase for $in January, 2015, with yourLane Bryant Retail credit cardAfter utilizing your Lane Bryant Retail credit card, you state that you neverreceived a billing statement for your January purchase, therefore you proceeded to pay the balance in fullof $After a few months, you began to receive daily calls from Comenity Bank stating that a totalbalance of $was dueFrom your understanding, this balance consists solely of late fees that wereassessed to the Lane Bryant Retail credit card accountYou also state that Comenity Bank needs to beinvestigated in reference to Fraud and Harassment.If an accounts happens to fall delinquent, Comenity Banks Payment Solutions department will attempt tocollect a debt by contacting the account holders via phone, at phone numbers listed on the credit cardaccountCalls may occur during the hours of 8:am 9:pm in the time zone of the person receivingthe callIf you wish for calls to cease and desist, please provide this request in writing at the addresslisted above.Bank records indicated the following activity on the Lane Bryant Retail Credit Card Account:The account was opened January 4, 2015.The last purchase was made in the amount of $on January 4, 2015, for a Screens ActiveTop.A billing statement was issued to you on January 21, 2015, advising of your new balance of$and a minimum payment due of $by February 16,2015.Our records indicate that a payment of $was received on February 25, 2015, which was after thedue datePlease be advised, payments received after the required due date are subject to received latefee and finance charges, pursuant of the terms outlined in the Credit Card Agreement (CCA)We haveenclosed a copy of the CCA for your reference.Please note, physical billing statements have been issued via direct mail starting in January 2015, untilpresent, to the address listed on the Lane Bryant Retail accountIn addition to physical statements,bank records indicated that on February 17, 5, you enrolled in our online web statements utilizing theemail address ***Per our records, your web statements started February22, 5, until present.If your physical street address or email address has changed, please contact Comenity Bank at ###-###-#### or send the current emaillphysical address information to our customer service address at:Comenity BankPO BOX 182273Columbus, OH 8-2273Please be advised that there has been no additional payment activity listed on your Lane Bryant accountsince the February paymentDue to nonpayment, late fees in the amount of $63.24, and financecharges in the amount of $have been assessed to the account.Although there were no Bank errors, in the interest of customer service, we have issued credits totaling$Please be assured that we sent notification to the credit-reporting agencies with instructions toremove the negative payment historyPlease allow them days to update their records.Should you, or your client, have any further questions regarding the account, please contact me at###-###-####, ext*** (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Sincerely, *** ***Consumer Relations SpecialistCC: Revdex.com
Dear *** *** Thank you for your letter of March resolving my complaint regarding an installment purchase made in November of I am satisfied with the resolution and will so inform the FDIC and the *** *** *** *** *** Thank you for resolving this matter
Respectfully, *** ** ***
When I get a notice from the bank, it says due date and that is the due date of the payment I want to make but yet still get a late feeThis is unjust.
Regards, *** ***
Dear *** ** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the *** credit cardWe are here to answer your questions and assist with your concerns Your correspondence indicates you received a
final demand letter for a delinquent credit card account that you did not open. You also state you replied and informed the Bank the account was not yours, and you never received the card or billing statements. Lastly, you state there was a charge off added to your *** credit bureau report, and you would like the account removed, as it is not accurate We have reviewed the concerns mentioned in your correspondence and would like to provide you with the following information Bank records indicate a Statement of Fraud and Forgery (SOFF), was mailed to you on March 30, 2016. However, the Bank has no record of receiving the completed SOFF. Please be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number *** has been created and is being investigated by *** ***The investigation may take up to days to be completed, and you will be notified by mail of the outcome. If you have any questions regarding the fraud investigation, you may reach the Account Protection Team at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** *** * *** ***
*** *** *** ***
Dear *** ***We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced aboveComenity Bank issues the above-referenced credit card accounts, and weare here to assist you with all account-related questions or concernsI appreciate theopportunity to
respond to your concerns.I understand from your complaint that you believe the Bank has the three accounts mixed upwith orders on each account that belong on one of the other accounts, and you have disputedthese chargesYou are concerned about the late fees and finance charges, and would likethose charges removed.Please understand that Comenity Bank is a separate entity from Roaman's@, Woman Within@,and BrylaneHome@ Comenity Bank is responsible for addressing questions related to yourcredit card accounts, whereas the retailers are responsible for handling matters related to sales,merchandise processing, returns, and shippingAny information regarding a detailed listing ofitems ordered, including an invoice, would have to be requested from the retailer.Please also understand that BrylaneHome@Jessica London@, Kingsize@, Roaman's@, FullBeauty (previously OneStopPlus.com), and Woman Within@ allow cross shoppingThis meansthat items ordered from one retailer may be charged to any of the listed credit cardsForinstance, a Woman Within@ catalog purchase may be charged to the Roaman's@ credit cardaccount and vice versaAgain, any information regarding a detailed listing of items ordered,including an invoice of how they were billed, would have to be requested from the retailers.I have conducted a review of the activity on your Roaman's@ account over the past severalmonths and noted two instances of cross shoppingSpecifically, a Woman Within@ purchasefor $was charged to the account on November Another Woman Withincatalog purchase in the amount of $was charged to the account on September 9, 2014.Enclosed are copies of the billing statements for your Roaman's@ account from May 2012,to April 9, 2015.I have also conducted a review of the activity on your Woman Within account and have foundno duplicated charges were billed to the accountEnclosed are copies of the billing statementsfor your Woman Within@ account from May 9,2012, to April 8, 2015I have also conducted a review of the activity on your BrylaneHome@ account and have foundno duplicated charges billed to the accountEnclosed are copies of the billing statements foryour BrylaneHome@ account from March 11, 2014, to April 10,2015.A previous response was sent to you on January 22, 2015, regarding your dispute of theBrylaneHome@ account balanceAt that time, in the interest of customer service, a credit of$was applied to the account, to remove late fees that were assessed to the accountIhave enclosed a copy of this letter for your records.As the Bank finds the purchases to be valid, we are unwilling to remove any additional late feesor interest charges from the accountsWe have received multiple late payments for eachaccount over the past several monthsPlease keep in mind, when payments are not received,are received after the due date, or are made for less than the minimum required, the accountwill be assessed a late fee and finance charge, as explained in the Credit Card Agreement.We apologize for any frustration or confusion that this matter may have caused and hope thatthis information is helpfulShould you have any further questions or concerns, please contactme at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Dear Ms***We recelved your complaint, addressed to the Revdex.com, regarding the account referencedaboveCornenity Bank issues your Ashley Stewart@ credit card account, and we are here to assist youwith all account-related questions or concernsI appreciate the opportunity to
respond to your concernsWe understand from your complaint that you are stating you mailed your payment in a timely manner, andyou would like Comenity Bank to stop charging you late fees.Please be assured that Comenity Bank processes conforming payments the same day they are received.A conforming payment is one that includes a single check and a remittance stub in a remittanceenvelopeNon-conforming payments are opened, dated, and processed within five days of receiptThepayment we received July 7, 2015, was a non-conforming payment.In the interest of customer service, on July 20, 5, we issued credit to remove the $late fee.We sincerely apologize for the frustration and inconvenience this matter may have caused youShouldyou have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext.*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, Amanda R** *** *** ***
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 paid the account in full after returning from vacation. You state when a statement arrived you threw it away as you had previously paid the balance in full. The following month you state that you received another statement, at that time you opened it and found that late fees were mounting even though there was no balance. Also, you state you received a call from the Bank and were advised that if you made a payment of $for the fees that were assessed, this matter would be dropped. At that time you mailed the check to the Bank for this amount. A week later you received a letter asking for an additional $29.32. You are requesting that this fee is removed from your account. It was a pleasure speaking with you on September 22, 2016. Per our discussion, I advised you that the fees were removed and the account had a balance of $.39. As a courtesy I advised you that I have removed this balance, and reinstated your credit limit to the original credit limit of $1,Please be assured that Comenity Bank has sent notification to the national credit-reporting agencies, requesting the delinquencies regarding the LANE BRYANT account to be removed from your credit file. Please allow days for them to update their recordsWe value you as a customer, 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 me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely, Renee S***
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret Angel credit card accounts, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you.We
understand your concerns regarding the negative payment information reported to your credit report, and the request to remove the delinquencies.Bank records indicate that the February and March delinquencies were removed from your Victoria’s Secret Angel credit card accountWe ask that you allow the credit-reporting agencies days to update their records.We apologize for any inconvenience this matter may have caused youShould you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
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. We previously received and
responded to your correspondence regarding that you are a victim of Identity Theft and you are requesting this account information removed from your credit file. After a review of the account, our records indicate that a previous letter was sent to you along with a Statement of Fraud and Forgery enclosed for you to fill out, dated March 17, We have enclosed a copy of the previously sent Statement of Fraud and Forgery document sent to you from our Account Protection teamPlease fill it out and send it back to the address listed at the top of the formOnce the form is returned to the Account Protection team they will work diligently to resolve this matter. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact the Account Protection team at ###-###-####. Sincerely, Renee S
Dear Mrs*** *** We received your complaint, addressed to the Revdex.com, regarding your account referenced above. Comenity Capital Bank issues overstock™ credit cards, and we are here to assist you with all account-related questions. I appreciate the
opportunity to respond to your concerns I understand your concerns addressed in your complaint about not authorizing the payment to Comenity Capital Bank for the amount of $248.00. I also understand you would like the funds placed back into your personal bank account. I apologize for any confusion or frustration this may have caused you Our records indicate you logged into our online Account Center and agreed to the Web User Bill Pay Agreement (Agreement) on July 19, 2016, this Agreement outlines the terms, conditions and services associated with making online payments By agreeing, you accepted the conditions of the online payment options On July 19, 2016, you scheduled a payment in the amount of $to be withdrawn from your bank account to pay your overstock™ credit card account I hope the information I provided is helpful. Should you have any further questions or concerns about the accounts, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Kristina W***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me I will forward a copy of the letter to our debt manager Thanks for your assistance
Regards,
*** ***
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues overstock™ credit card accounts, and we are here to help answer your account-related questions. Your complaint was
forwarded to my attention, and I appreciate this opportunity to address your concerns We are also in receipt of your correspondence submitted to Federal Deposit Insurance Corporation regarding this same matter. Please find enclosed a copy of our response sent to you on November 14, 2016. I hope you find this information to be helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). Sincerely, KaiM***
As of today, we have decided to hire legal counsel to represent us with fraudulent sales practices at The RoomPlace and have a news team investigation The main salesman at the RoomPlace who told us the bedroom furniture cost would be "eaten" by the store Manager has agreed to be one of our testimonial witnesses We plan to sue for a much much larger amount than $3,000, this caused has caused us so much stress, I am on stress medication and high blood pressure medicine stressing over this fraudulent case.Thank you for all your help in this matter our attorney has agreed to take our case from her to sue The RoomPlace for their faulty and sneaky, deceptive practices.Thanking you in advance
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***
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*** *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meI do, however, feel that they have acted dishonorably, and are likely to do so to others in the futureA single transaction with them caused me a drastic amount of trouble, and I do not believe they would have set it right absent my having filed a complaint hereThank you very much for your help, and I hope you will continue to shine a light on the dubious practices of this business.
Regards,
*** ***
Dear *** ***We received your complaint, submitted to the
Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Overstock.com
credit card accounts, and we are here to help with your account-related
questions. I appreciate this
opportunity
to assist you. We understand from your complaint that you
contacted the Bank and during your call, when requesting a manager, you were
hung up on. Additionally, you state that
you never received a bill for the alleged balance and confirmed they were sent
to a wrong address. Multiple fees have
been assessed, and a payment of $was applied to the wrong account. At this time you are requesting the late fees
be removed, an update to your credit report, and an apology from the Bank. I am happy to share my findings with you.We have reviewed the issues in your complaint
as well as the applicable telephone conversations. We apologize if you felt you did not receive
the best customer service. We never
intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best
customer service and are disappointed when a customer feels this standard was
not met.Please find a summary of your Overstock.com
account below. I have enclosed a copy of
the Credit Card Agreement (CCA), as well as copies of the billing statements
which show the account activity that comprised the account balance and
delinquencies which are reporting to the credit bureausThe Overstock.com account was opened on
January 13, 2015; use of the account, or failure to close the account within
days of receiving the CCA indicates acceptance of the terms of the agreement,
including the assessment of any finance charges and fees.Bank records indicate the Overstock.com
account was issued a statement on September 8, 2015, which reflected a balance
of $with a minimum payment of $25.00, due by October 4, 2015. A statement was issued on October 9, 2015,
which reflected a balance of $with a minimum payment of $30.00, due by November
4, 2015. A statement was issued on
November 8, 2015, which reflected a balance of $and a minimum payment of
$37.00, due by December 4, 2015. A
statement was issued on December 9, 2015, with a balance of $and a
minimum payment of $46.00, due by January 4, 2016. Due to non-receipt of payment, the account
was reported to the credit-reporting agencies as three billing statements past
due.Furthermore, on October 8, 2015, a phone call
was placed to you by a representative of the Bank’s collection team This call was to advise you of the status of your
Limited account, serviced by Comenity Bank. During this call, you scheduled a $payment to bring your Limited
account current, and you confirmed that your address on Nicole Drive in
Milford, Connecticut was current. Please
be advised that the Overstock.com billing statements were issued to the Nicole
Drive address and the Bank has no record of the statements being returned as undeliverable.On December 11, 2015, a phone call was placed
to you by a representative of the Bank’s collection team to advise you of the
status of the Overstock.com accountYou then updated the address to your State
Street address, as shown above, and advised the statements were being sent to a
previous address.Although no Bank errors were found, in the
interest of customer service, a credit in the amount of $was applied to
the Overstock.com account for late fees. We encourage you to contact our Payment Solutions team at ###-###-####
(TDD/TTY ###-###-####), to set up payment arrangements.Please be advised, we are unwilling to update
the payment history due to no Bank error. Billing statements were mailed to the address listed on the account. We understand that our customers may
experience circumstances beyond their control which may cause their accounts to
become past due. As an option, you may
want to consider submitting a consumer statement to the credit-reporting
agencies, explaining the reason(s) why the account became past due. This 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 decision. The credit agencies can
be contacted with the below information:Experian
(TRW) TransUnion
(TRU) Equifax
(CBI)PO Box Experian Parkway Allen, TX - ###-###-#### PO Box Springfield, PA - ###-###-#### PO Box Atlanta, GA - ###-###-####http://www.experian.com http://www.transunion.com http://www.equifax.comWe hope this information is helpful. Should you have any further questions or concerns
regarding this letter, please contact me at ###-###-####5, ext*** (TDD/TTY
###-###-####). I would be happy to
assist you.Sincerely,KaiM***
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***
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding your Lane Bryant Retailcredit card accountComenity Bank issues Lane Bryant Retail credit card accounts, and we respond toall account-related questions and concernsYour complaint was forwarded to my
attention, and Iappreciate the opportunity to assist you.We understand from your complaint that you made a purchase for $in January, 2015, with yourLane Bryant Retail credit cardAfter utilizing your Lane Bryant Retail credit card, you state that you neverreceived a billing statement for your January purchase, therefore you proceeded to pay the balance in fullof $After a few months, you began to receive daily calls from Comenity Bank stating that a totalbalance of $was dueFrom your understanding, this balance consists solely of late fees that wereassessed to the Lane Bryant Retail credit card accountYou also state that Comenity Bank needs to beinvestigated in reference to Fraud and Harassment.If an accounts happens to fall delinquent, Comenity Banks Payment Solutions department will attempt tocollect a debt by contacting the account holders via phone, at phone numbers listed on the credit cardaccountCalls may occur during the hours of 8:am 9:pm in the time zone of the person receivingthe callIf you wish for calls to cease and desist, please provide this request in writing at the addresslisted above.Bank records indicated the following activity on the Lane Bryant Retail Credit Card Account:The account was opened January 4, 2015.The last purchase was made in the amount of $on January 4, 2015, for a Screens ActiveTop.A billing statement was issued to you on January 21, 2015, advising of your new balance of$and a minimum payment due of $by February 16,2015.Our records indicate that a payment of $was received on February 25, 2015, which was after thedue datePlease be advised, payments received after the required due date are subject to received latefee and finance charges, pursuant of the terms outlined in the Credit Card Agreement (CCA)We haveenclosed a copy of the CCA for your reference.Please note, physical billing statements have been issued via direct mail starting in January 2015, untilpresent, to the address listed on the Lane Bryant Retail accountIn addition to physical statements,bank records indicated that on February 17, 5, you enrolled in our online web statements utilizing theemail address ***Per our records, your web statements started February22, 5, until present.If your physical street address or email address has changed, please contact Comenity Bank at ###-###-#### or send the current emaillphysical address information to our customer service address at:Comenity BankPO BOX 182273Columbus, OH 8-2273Please be advised that there has been no additional payment activity listed on your Lane Bryant accountsince the February paymentDue to nonpayment, late fees in the amount of $63.24, and financecharges in the amount of $have been assessed to the account.Although there were no Bank errors, in the interest of customer service, we have issued credits totaling$Please be assured that we sent notification to the credit-reporting agencies with instructions toremove the negative payment historyPlease allow them days to update their records.Should you, or your client, have any further questions regarding the account, please contact me at###-###-####, ext*** (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Sincerely, *** ***Consumer Relations SpecialistCC: Revdex.com
Dear *** *** Thank you for your letter of March resolving my complaint regarding an installment purchase made in November of I am satisfied with the resolution and will so inform the FDIC and the *** *** *** *** *** Thank you for resolving this matter
Respectfully, *** ** ***
When I get a notice from the bank, it says due date and that is the due date of the payment I want to make but yet still get a late feeThis is unjust.
Regards, *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards, *** ***
Dear *** ** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the *** credit cardWe are here to answer your questions and assist with your concerns Your correspondence indicates you received a
final demand letter for a delinquent credit card account that you did not open. You also state you replied and informed the Bank the account was not yours, and you never received the card or billing statements. Lastly, you state there was a charge off added to your *** credit bureau report, and you would like the account removed, as it is not accurate We have reviewed the concerns mentioned in your correspondence and would like to provide you with the following information Bank records indicate a Statement of Fraud and Forgery (SOFF), was mailed to you on March 30, 2016. However, the Bank has no record of receiving the completed SOFF. Please be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number *** has been created and is being investigated by *** ***The investigation may take up to days to be completed, and you will be notified by mail of the outcome. If you have any questions regarding the fraud investigation, you may reach the Account Protection Team at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** *** * *** ***
*** *** *** ***
Dear *** ***We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced aboveComenity Bank issues the above-referenced credit card accounts, and weare here to assist you with all account-related questions or concernsI appreciate theopportunity to
respond to your concerns.I understand from your complaint that you believe the Bank has the three accounts mixed upwith orders on each account that belong on one of the other accounts, and you have disputedthese chargesYou are concerned about the late fees and finance charges, and would likethose charges removed.Please understand that Comenity Bank is a separate entity from Roaman's@, Woman Within@,and BrylaneHome@ Comenity Bank is responsible for addressing questions related to yourcredit card accounts, whereas the retailers are responsible for handling matters related to sales,merchandise processing, returns, and shippingAny information regarding a detailed listing ofitems ordered, including an invoice, would have to be requested from the retailer.Please also understand that BrylaneHome@Jessica London@, Kingsize@, Roaman's@, FullBeauty (previously OneStopPlus.com), and Woman Within@ allow cross shoppingThis meansthat items ordered from one retailer may be charged to any of the listed credit cardsForinstance, a Woman Within@ catalog purchase may be charged to the Roaman's@ credit cardaccount and vice versaAgain, any information regarding a detailed listing of items ordered,including an invoice of how they were billed, would have to be requested from the retailers.I have conducted a review of the activity on your Roaman's@ account over the past severalmonths and noted two instances of cross shoppingSpecifically, a Woman Within@ purchasefor $was charged to the account on November Another Woman Withincatalog purchase in the amount of $was charged to the account on September 9, 2014.Enclosed are copies of the billing statements for your Roaman's@ account from May 2012,to April 9, 2015.I have also conducted a review of the activity on your Woman Within account and have foundno duplicated charges were billed to the accountEnclosed are copies of the billing statementsfor your Woman Within@ account from May 9,2012, to April 8, 2015I have also conducted a review of the activity on your BrylaneHome@ account and have foundno duplicated charges billed to the accountEnclosed are copies of the billing statements foryour BrylaneHome@ account from March 11, 2014, to April 10,2015.A previous response was sent to you on January 22, 2015, regarding your dispute of theBrylaneHome@ account balanceAt that time, in the interest of customer service, a credit of$was applied to the account, to remove late fees that were assessed to the accountIhave enclosed a copy of this letter for your records.As the Bank finds the purchases to be valid, we are unwilling to remove any additional late feesor interest charges from the accountsWe have received multiple late payments for eachaccount over the past several monthsPlease keep in mind, when payments are not received,are received after the due date, or are made for less than the minimum required, the accountwill be assessed a late fee and finance charge, as explained in the Credit Card Agreement.We apologize for any frustration or confusion that this matter may have caused and hope thatthis information is helpfulShould you have any further questions or concerns, please contactme at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Dear Ms***We recelved your complaint, addressed to the Revdex.com, regarding the account referencedaboveCornenity Bank issues your Ashley Stewart@ credit card account, and we are here to assist youwith all account-related questions or concernsI appreciate the opportunity to
respond to your concernsWe understand from your complaint that you are stating you mailed your payment in a timely manner, andyou would like Comenity Bank to stop charging you late fees.Please be assured that Comenity Bank processes conforming payments the same day they are received.A conforming payment is one that includes a single check and a remittance stub in a remittanceenvelopeNon-conforming payments are opened, dated, and processed within five days of receiptThepayment we received July 7, 2015, was a non-conforming payment.In the interest of customer service, on July 20, 5, we issued credit to remove the $late fee.We sincerely apologize for the frustration and inconvenience this matter may have caused youShouldyou have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext.*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, Amanda R** *** *** ***
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 paid the account in full after returning from vacation. You state when a statement arrived you threw it away as you had previously paid the balance in full. The following month you state that you received another statement, at that time you opened it and found that late fees were mounting even though there was no balance. Also, you state you received a call from the Bank and were advised that if you made a payment of $for the fees that were assessed, this matter would be dropped. At that time you mailed the check to the Bank for this amount. A week later you received a letter asking for an additional $29.32. You are requesting that this fee is removed from your account. It was a pleasure speaking with you on September 22, 2016. Per our discussion, I advised you that the fees were removed and the account had a balance of $.39. As a courtesy I advised you that I have removed this balance, and reinstated your credit limit to the original credit limit of $1,Please be assured that Comenity Bank has sent notification to the national credit-reporting agencies, requesting the delinquencies regarding the LANE BRYANT account to be removed from your credit file. Please allow days for them to update their recordsWe value you as a customer, 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 me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely, Renee S***
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret Angel credit card accounts, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you.We
understand your concerns regarding the negative payment information reported to your credit report, and the request to remove the delinquencies.Bank records indicate that the February and March delinquencies were removed from your Victoria’s Secret Angel credit card accountWe ask that you allow the credit-reporting agencies days to update their records.We apologize for any inconvenience this matter may have caused youShould you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
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. We previously received and
responded to your correspondence regarding that you are a victim of Identity Theft and you are requesting this account information removed from your credit file. After a review of the account, our records indicate that a previous letter was sent to you along with a Statement of Fraud and Forgery enclosed for you to fill out, dated March 17, We have enclosed a copy of the previously sent Statement of Fraud and Forgery document sent to you from our Account Protection teamPlease fill it out and send it back to the address listed at the top of the formOnce the form is returned to the Account Protection team they will work diligently to resolve this matter. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact the Account Protection team at ###-###-####. Sincerely, Renee S
Dear Mrs*** *** We received your complaint, addressed to the Revdex.com, regarding your account referenced above. Comenity Capital Bank issues overstock™ credit cards, and we are here to assist you with all account-related questions. I appreciate the
opportunity to respond to your concerns I understand your concerns addressed in your complaint about not authorizing the payment to Comenity Capital Bank for the amount of $248.00. I also understand you would like the funds placed back into your personal bank account. I apologize for any confusion or frustration this may have caused you Our records indicate you logged into our online Account Center and agreed to the Web User Bill Pay Agreement (Agreement) on July 19, 2016, this Agreement outlines the terms, conditions and services associated with making online payments By agreeing, you accepted the conditions of the online payment options On July 19, 2016, you scheduled a payment in the amount of $to be withdrawn from your bank account to pay your overstock™ credit card account I hope the information I provided is helpful. Should you have any further questions or concerns about the accounts, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Kristina W***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me I will forward a copy of the letter to our debt manager Thanks for your assistance
Regards,
*** ***
Invoice # 13513-013913, 3/30/12, + += 146.91Invoice #2, Dark Sapphire Multi Dress $144.78, ReturnStatement not correct $316.67Correct amount = + (return fee) = $
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues overstock™ credit card accounts, and we are here to help answer your account-related questions. Your complaint was
forwarded to my attention, and I appreciate this opportunity to address your concerns We are also in receipt of your correspondence submitted to Federal Deposit Insurance Corporation regarding this same matter. Please find enclosed a copy of our response sent to you on November 14, 2016. I hope you find this information to be helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). Sincerely, KaiM***