Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the LOVELOFT credit cardWe are here to answer your questions and assist with your concerns. We understand from your correspondence, you opened
the above-referenced account to receive a discountWhen you received your invoice, you contacted LOVELOFT and paid the total amount due of $You state when you closed your account, although you received confirmation your account balance was zero, you were charged a late feeYou further state, you have been told that there is nothing you can do because your account is closed. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement. On August 21, 2017, a billing statement was issued reflecting a balance of $32.63, with a minimum payment of $due by September 16, On September 20, 2017, a payment of $32.63 posted to the account; however, because the payment was received after the due date, a late fee and a finance charge were assessed to the account. On October 30, 2017, you contacted the Bank regarding the late fees and finance charges assessed to your accountAs a result, credits were issued totaling $to remove the previously assessed late fees and finance chargesPlease be assured, all credits have posted and resulted in a zero balance. The account was closed at your request on September 20, 2017. I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Laura R***
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET and HOT TOPIC credit card accounts, and we are here to answer your account-related questionsThe complaint was forwarded to my attention,
and I appreciate the opportunity to address your concerns.We understand your concerns expressed in the complaint with regard to the payments you have made to your accounts and the telephone calls that you believe are harassingYou indicated that you made your account payments, and have received confirmation emailsYou requests the Bank remove all the late fees from your VICTORIA’S SECRET, and HOT TOPIC, along with your husband’s accountYou have also requested the three accounts closed and that the Bank cease from contacting you again in the future.Please be assured that we reviewed your accounts noted-above and we are happy to explain our findingsHowever, due to third party laws, we are unable to provide you with your husband’s account information or close the account at your requestMrVanesko may contact me at the number below in order to discuss his account and/or provide authorization to discuss the account details with youWe apologize for the inconvenience this may have caused you.Bank records indicate payments posted to your VICTORIA’S SECRET account on-time, up through February A payment of $was due on March 28, You schedule the payment on Account Center on March 27, 2016; however, the payment did not process or post to your account, which resulted in a $late fee chargeThis late fee was credited to your account on April 11, The last payment of $was received on May 27, 2016, and as of today’s date, the account is current with a balance of $708.87.Bank records further show that payments posted to your HOT TOPIC account on-time until March A payment of $was due on April 3, You scheduled a payment on Account Center on April 4, 2016; however, the payment did not process or post to your account, which resulted in a $late fee charge, which was credited to your account on April 18, The last payment of $was received on June 1, 2016, and the account balance is zero.Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.Additionally, when our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to the potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successfulPer your request, a “cease and desist” status has been placed on both accounts, which will cease all telephone calls to youYou will continue to receive certain legal communications as permitted by law.As requested, the VICTORIA’S SECRET AND HOT TOPIC accounts have been closed and no additional purchases can be made to the accountsIf you wish, you may reapply for the accounts in the store or online.We apologize for the inconvenience you have experienced and we hope this information is helpfulIf you have any further questions or concerns about your accounts, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
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 *** ***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***
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 *** *** 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, *** ** ***
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 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***
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
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 *** ***Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer yourquestions and assist with your concerns.We understand from your complaint that you made a change of
address online in November 2016;however, you have not been receiving your billing statements in the mailYou contacted the Bankin December and were told you would receive your bill next monthThe January statementwas not received, so you again contacted the BankDuring this call you were advised youswitched to paperless billing, which you state was done without your permissionAs of February2, 2017, you still have not received a paper statement in the mail, nor have you received catalogsor couponsYou state you refuse to pay the account until you receive a paper statementYou aredissatisfied with the service you have received when contacting the Bank, and you requestcompensation for the time you have spent regarding this matterAdditionally, you request thatno late fees be charged to the accountWe apologize for any frustration or inconvenience youmay have experienced regarding this matter.Our records indicate your account was registered through our online Account Center onDecember 1, 2013, which provides accountholders the ability to view statements and makepayments onlineAdditionally, Bank records indicate on May 12, 2016, you chose paperlessstatements, meaning you will receive your statements online versus postal mailWhen enrolledin paperless statements, we will send you a monthly Statement-Ready Email (SRE), notifying youthe statement is available to be viewed.The last SRE was sent on February 7, 2017, and we do not have record of emails being returnedas undeliverable from the email address you providedPlease be advised that the paperlessstatement option is only provided online to our customers, and the Bank is unable to enroll anaccount into paperless statementsPer your request, paperless statement delivery was cancelledon January 14, Paper statements began to be issued in February Please be advisedyour account typically bills around the fifth or sixth of each month, and your due date is the first ofeach month.Please be assured we have reviewed all applicable telephone calls regarding this matterPleasebe aware that while reviewing the telephone calls, we found you were advised to go towww.victoriassecret.com regarding couponsAdditionally, you were advised that Victoria’s Secret no longer issues catalogs.As there was no Bank error, we find the late fee validWe are unwilling to remove the late fee assessed to the account.We respectfully decline your request for compensation.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shelley A***
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***
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questions. Your complaint
was forwarded to my attention, and I appreciate the opportunity to assist you We understand from the complaint that you were making a purchase using your HSN credit card and the transaction was declined. You state that you called in to the Customer Service line and spoke with a representative who stated they don’t know why the transaction was declined. You further state that you made a payment of $on July 1, 2016, and should have an available credit of $170.00. You would like an explanation as to why the transaction was declined We understand your concerns, and sincerely apologize for any inconvenience this matter may have caused you. We have reviewed the concerns in your complaint, and researched applicable telephone conversations. Unfortunately, we were unable to locate a call placed to the Bank on July 1, 2016. Please understand that the Bank is available to answer questions related to your credit card account, and HSN will respond to concerns regarding orders, merchandise, shipping and returns. We apologize if you were not provided with information regarding the decline of your purchase. For any future questions regarding the credit card, please contact our Customer Care team at ###-###-####. After a thorough investigation, our records indicate on July 1, 2016, you had a balance of $1,with an available credit of $10.29. Please understand the transaction of $was declined due to the transaction exceeding the available credit at the time of purchase Bank records indicate that a payment for $was made on June 30, 2016. Once a payment is received, it may take 3-business days for that payment to process and be included in your available credit. As of today’s date the balance on the above-referenced HSN credit card account is $1,with an available credit of $12.00. We value you as a customer, and hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley 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***
February 9, *
*** ***
*** *** ***
*** *** ** *** RE: *** *** *** *** *** *** *** ** ***
*** *** *** *** *** Dear Mary M***: Comenity
Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the *** PowerUp Rewards credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint that the account is currently behind one payment. You state that the Bank has called your home repeatedly. You state that you spoke with a representative who attempted to obtain a date and an amount for a future payment, and you advised that you would pay when you could. You feel the calls are harassing, rude, and should stop. I am happy to share my findings We have reviewed the concerns in your correspondence, 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 When an account is 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. Due to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successful Please be advised the representative was requesting the date and an amount for a future payment to attempt to bring the account current and to cease future calls. Representatives will continue to call until a payment arrangement is reached, or the account becomes current. The account is currently one billing cycle past due; if an account exceeds six consecutive billing cycles past due, the account will be written off, and reported to the national credit-reporting agencies as an unpaid debt Per your request, you should no longer be receiving phone calls at the telephone numbers ending in ***, ***, and *** as we have marked those numbers with “Do Not Call” instructions I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** *** * *** ***
*** *** *** ***
Comenity Bank has received your correspondence you sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues VICTORIA’S SECRET credit card accounts. We are here to answer your questions and assist with your concerns. We understand your
concerns as explained in your correspondence. In August, you opened a VICTORIA’S SECRET account and made a purchase You state you did not receive your first billing statement You made a payment over the phone for the full amount, without knowing the due date The payment was made three days after the due date. You state you did not know about the account information until months later. You spoke with Bank representatives about the account, and state one representative was very rudeYou are requesting to have all the late fees waived. Comenity Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than satisfactory service. Please be assured that matters of this type are reviewed with management so that additional training or coaching can be provided to our associates. Your opinion of the service provided is important to us, and we appreciate the time you spent notifying us of your concerns. Our records indicate the VICTORIA’S SECRET credit card account was opened on July 9, 2016. Use of the account, or failure to close the account within days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees 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 CCA. The account billed on July 10, 2016, with a balance of $99.51, and a minimum payment of $27.00, due by August 5, 2016. As no payment was received by the due date, a late fee was assessed to the account On August 8, 2016, a payment for $was applied to the account, leaving your account with a balance of $27.00. Subsequent billing statements were issued, and as no further payments have been received, the account was assessed late fees and finance charges, in accordance with the CCA, and the account became three billing cycles past due Please be advised, the address in our database matches the address that is listed in your correspondence. The Bank mailed the Welcome Kit, consisting of the credit card and CCA and all billing statements to the address listed above. Please be assured, we have no record that the post office returned them as undeliverable. In the interest of customer service, the Bank issued credits totaling $to remove all the previously assessed late fees and finance charges. Please be assured, we removed the negative payment information regarding the account, which will update with the credit-reporting agencies within days. I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M
Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Roaman's credit cardWe are here to answer your questions and assist with your concerns.We understand the concerns as explained in your correspondenceYou
ordered a Tee for $and a coat for $109.99; you returned the items and were charged $and $for the return shipping feeYou stated the bill was due on March 3, 2017, but you did not receive the bill until March 4, You requested for the $late fee to be credited.Please be advised Comenity Bank and Roaman's are two separate entitiesComenity Bank is responsible for addressing questions related to Roaman's credit card accounts, while Roaman's is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality.Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handlingWhen the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refundedAdditionally, if you use the provided return label for the return, your account is billed $for the cost of the return shipping.Please understand that when there is a balance on an account, and the full minimum payment required on the monthly billing statement(s) is not received by the due date, late fees and finance charges will be assessed to the account, pursuant to the guidelines of the Credit Card Agreement (CCA).On November 21, 2016, a purchase of $was applied to your accountThe account billed on December 8, 2016, with a balance of $24.88, and a minimum payment of $20.00, due by January 3, 2017.On December 16, 2016, a purchase of $was applied to your accountOn December 30, 2016, a credit of $was issued for the returned merchandiseYou were billed $for using the return labelOn January 1, 2017, a $payment was applied to your account.The account billed on January 8, 2017, with a balance of $119.47, and a minimum payment of $20.00, due by February 3, 2017.On January 9, 2017, a credit of $was issued for the returned merchandiseYou were billed $for using the return labelOn February 4, 2017, a $payment was applied to your accountBecause the payment was received after the due date, a $late fee was assessed to the account, in accordance with the CCA.On February 19, 2017, a $payment was applied to your account; resulting a zero balance.In the interest of customer service, we have issued a credit of $for the previously assessed late feeThis credit resulted, in a credit balance of $20.00; we have issued a refund check for the credit balancePlease allow up to business days to receive the check, which will be mailed separately from this correspondence.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Tionna M***
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the LOVELOFT credit cardWe are here to answer your questions and assist with your concerns. We understand from your correspondence, you opened
the above-referenced account to receive a discountWhen you received your invoice, you contacted LOVELOFT and paid the total amount due of $You state when you closed your account, although you received confirmation your account balance was zero, you were charged a late feeYou further state, you have been told that there is nothing you can do because your account is closed. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement. On August 21, 2017, a billing statement was issued reflecting a balance of $32.63, with a minimum payment of $due by September 16, On September 20, 2017, a payment of $32.63 posted to the account; however, because the payment was received after the due date, a late fee and a finance charge were assessed to the account. On October 30, 2017, you contacted the Bank regarding the late fees and finance charges assessed to your accountAs a result, credits were issued totaling $to remove the previously assessed late fees and finance chargesPlease be assured, all credits have posted and resulted in a zero balance. The account was closed at your request on September 20, 2017. I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Laura R***
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET and HOT TOPIC credit card accounts, and we are here to answer your account-related questionsThe complaint was forwarded to my attention,
and I appreciate the opportunity to address your concerns.We understand your concerns expressed in the complaint with regard to the payments you have made to your accounts and the telephone calls that you believe are harassingYou indicated that you made your account payments, and have received confirmation emailsYou requests the Bank remove all the late fees from your VICTORIA’S SECRET, and HOT TOPIC, along with your husband’s accountYou have also requested the three accounts closed and that the Bank cease from contacting you again in the future.Please be assured that we reviewed your accounts noted-above and we are happy to explain our findingsHowever, due to third party laws, we are unable to provide you with your husband’s account information or close the account at your requestMrVanesko may contact me at the number below in order to discuss his account and/or provide authorization to discuss the account details with youWe apologize for the inconvenience this may have caused you.Bank records indicate payments posted to your VICTORIA’S SECRET account on-time, up through February A payment of $was due on March 28, You schedule the payment on Account Center on March 27, 2016; however, the payment did not process or post to your account, which resulted in a $late fee chargeThis late fee was credited to your account on April 11, The last payment of $was received on May 27, 2016, and as of today’s date, the account is current with a balance of $708.87.Bank records further show that payments posted to your HOT TOPIC account on-time until March A payment of $was due on April 3, You scheduled a payment on Account Center on April 4, 2016; however, the payment did not process or post to your account, which resulted in a $late fee charge, which was credited to your account on April 18, The last payment of $was received on June 1, 2016, and the account balance is zero.Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.Additionally, when our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to the potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successfulPer your request, a “cease and desist” status has been placed on both accounts, which will cease all telephone calls to youYou will continue to receive certain legal communications as permitted by law.As requested, the VICTORIA’S SECRET AND HOT TOPIC accounts have been closed and no additional purchases can be made to the accountsIf you wish, you may reapply for the accounts in the store or online.We apologize for the inconvenience you have experienced and we hope this information is helpfulIf you have any further questions or concerns about your accounts, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
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
I haven't live at the *** ** address for about years. Thank you for responds and action taken to correct the issue.
Regards, *** **
Dear *** ***We received your complaint, submitted to the
Revdex.com, regarding the above-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***
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 *** *** 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, *** ** ***
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 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***
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
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 *** ***Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer yourquestions and assist with your concerns.We understand from your complaint that you made a change of
address online in November 2016;however, you have not been receiving your billing statements in the mailYou contacted the Bankin December and were told you would receive your bill next monthThe January statementwas not received, so you again contacted the BankDuring this call you were advised youswitched to paperless billing, which you state was done without your permissionAs of February2, 2017, you still have not received a paper statement in the mail, nor have you received catalogsor couponsYou state you refuse to pay the account until you receive a paper statementYou aredissatisfied with the service you have received when contacting the Bank, and you requestcompensation for the time you have spent regarding this matterAdditionally, you request thatno late fees be charged to the accountWe apologize for any frustration or inconvenience youmay have experienced regarding this matter.Our records indicate your account was registered through our online Account Center onDecember 1, 2013, which provides accountholders the ability to view statements and makepayments onlineAdditionally, Bank records indicate on May 12, 2016, you chose paperlessstatements, meaning you will receive your statements online versus postal mailWhen enrolledin paperless statements, we will send you a monthly Statement-Ready Email (SRE), notifying youthe statement is available to be viewed.The last SRE was sent on February 7, 2017, and we do not have record of emails being returnedas undeliverable from the email address you providedPlease be advised that the paperlessstatement option is only provided online to our customers, and the Bank is unable to enroll anaccount into paperless statementsPer your request, paperless statement delivery was cancelledon January 14, Paper statements began to be issued in February Please be advisedyour account typically bills around the fifth or sixth of each month, and your due date is the first ofeach month.Please be assured we have reviewed all applicable telephone calls regarding this matterPleasebe aware that while reviewing the telephone calls, we found you were advised to go towww.victoriassecret.com regarding couponsAdditionally, you were advised that Victoria’s Secret no longer issues catalogs.As there was no Bank error, we find the late fee validWe are unwilling to remove the late fee assessed to the account.We respectfully decline your request for compensation.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shelley A***
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***
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questions. Your complaint
was forwarded to my attention, and I appreciate the opportunity to assist you We understand from the complaint that you were making a purchase using your HSN credit card and the transaction was declined. You state that you called in to the Customer Service line and spoke with a representative who stated they don’t know why the transaction was declined. You further state that you made a payment of $on July 1, 2016, and should have an available credit of $170.00. You would like an explanation as to why the transaction was declined We understand your concerns, and sincerely apologize for any inconvenience this matter may have caused you. We have reviewed the concerns in your complaint, and researched applicable telephone conversations. Unfortunately, we were unable to locate a call placed to the Bank on July 1, 2016. Please understand that the Bank is available to answer questions related to your credit card account, and HSN will respond to concerns regarding orders, merchandise, shipping and returns. We apologize if you were not provided with information regarding the decline of your purchase. For any future questions regarding the credit card, please contact our Customer Care team at ###-###-####. After a thorough investigation, our records indicate on July 1, 2016, you had a balance of $1,with an available credit of $10.29. Please understand the transaction of $was declined due to the transaction exceeding the available credit at the time of purchase Bank records indicate that a payment for $was made on June 30, 2016. Once a payment is received, it may take 3-business days for that payment to process and be included in your available credit. As of today’s date the balance on the above-referenced HSN credit card account is $1,with an available credit of $12.00. We value you as a customer, and hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley 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***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards, *** ***
February 9, *
*** ***
*** *** ***
*** *** ** *** RE: *** *** *** *** *** *** *** ** ***
*** *** *** *** *** Dear Mary M***: Comenity
Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the *** PowerUp Rewards credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint that the account is currently behind one payment. You state that the Bank has called your home repeatedly. You state that you spoke with a representative who attempted to obtain a date and an amount for a future payment, and you advised that you would pay when you could. You feel the calls are harassing, rude, and should stop. I am happy to share my findings We have reviewed the concerns in your correspondence, 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 When an account is 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. Due to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successful Please be advised the representative was requesting the date and an amount for a future payment to attempt to bring the account current and to cease future calls. Representatives will continue to call until a payment arrangement is reached, or the account becomes current. The account is currently one billing cycle past due; if an account exceeds six consecutive billing cycles past due, the account will be written off, and reported to the national credit-reporting agencies as an unpaid debt Per your request, you should no longer be receiving phone calls at the telephone numbers ending in ***, ***, and *** as we have marked those numbers with “Do Not Call” instructions I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** *** * *** ***
*** *** *** ***
Comenity Bank has received your correspondence you sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues VICTORIA’S SECRET credit card accounts. We are here to answer your questions and assist with your concerns. We understand your
concerns as explained in your correspondence. In August, you opened a VICTORIA’S SECRET account and made a purchase You state you did not receive your first billing statement You made a payment over the phone for the full amount, without knowing the due date The payment was made three days after the due date. You state you did not know about the account information until months later. You spoke with Bank representatives about the account, and state one representative was very rudeYou are requesting to have all the late fees waived. Comenity Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than satisfactory service. Please be assured that matters of this type are reviewed with management so that additional training or coaching can be provided to our associates. Your opinion of the service provided is important to us, and we appreciate the time you spent notifying us of your concerns. Our records indicate the VICTORIA’S SECRET credit card account was opened on July 9, 2016. Use of the account, or failure to close the account within days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees 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 CCA. The account billed on July 10, 2016, with a balance of $99.51, and a minimum payment of $27.00, due by August 5, 2016. As no payment was received by the due date, a late fee was assessed to the account On August 8, 2016, a payment for $was applied to the account, leaving your account with a balance of $27.00. Subsequent billing statements were issued, and as no further payments have been received, the account was assessed late fees and finance charges, in accordance with the CCA, and the account became three billing cycles past due Please be advised, the address in our database matches the address that is listed in your correspondence. The Bank mailed the Welcome Kit, consisting of the credit card and CCA and all billing statements to the address listed above. Please be assured, we have no record that the post office returned them as undeliverable. In the interest of customer service, the Bank issued credits totaling $to remove all the previously assessed late fees and finance charges. Please be assured, we removed the negative payment information regarding the account, which will update with the credit-reporting agencies within days. I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M
Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Roaman's credit cardWe are here to answer your questions and assist with your concerns.We understand the concerns as explained in your correspondenceYou
ordered a Tee for $and a coat for $109.99; you returned the items and were charged $and $for the return shipping feeYou stated the bill was due on March 3, 2017, but you did not receive the bill until March 4, You requested for the $late fee to be credited.Please be advised Comenity Bank and Roaman's are two separate entitiesComenity Bank is responsible for addressing questions related to Roaman's credit card accounts, while Roaman's is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality.Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handlingWhen the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refundedAdditionally, if you use the provided return label for the return, your account is billed $for the cost of the return shipping.Please understand that when there is a balance on an account, and the full minimum payment required on the monthly billing statement(s) is not received by the due date, late fees and finance charges will be assessed to the account, pursuant to the guidelines of the Credit Card Agreement (CCA).On November 21, 2016, a purchase of $was applied to your accountThe account billed on December 8, 2016, with a balance of $24.88, and a minimum payment of $20.00, due by January 3, 2017.On December 16, 2016, a purchase of $was applied to your accountOn December 30, 2016, a credit of $was issued for the returned merchandiseYou were billed $for using the return labelOn January 1, 2017, a $payment was applied to your account.The account billed on January 8, 2017, with a balance of $119.47, and a minimum payment of $20.00, due by February 3, 2017.On January 9, 2017, a credit of $was issued for the returned merchandiseYou were billed $for using the return labelOn February 4, 2017, a $payment was applied to your accountBecause the payment was received after the due date, a $late fee was assessed to the account, in accordance with the CCA.On February 19, 2017, a $payment was applied to your account; resulting a zero balance.In the interest of customer service, we have issued a credit of $for the previously assessed late feeThis credit resulted, in a credit balance of $20.00; we have issued a refund check for the credit balancePlease allow up to business days to receive the check, which will be mailed separately from this correspondence.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Tionna M***