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 *** ***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***
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
We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced aboveComenity Bank issues the above-referenced credit card accounts, and we arehere to assist you with all account-related questionsI appreciate the opportunity to respond toyour concerns.We
understand from your complaint that you authorized payments, on each of the aboveaccounts, for a future date of July 11, 2016, but the payments were processed the same day.You disputed the payments previously, and were advised you agreed to the paymentarrangementYou would like a refund of the overdraft fees assessed by your personal financialinstitution, the late fee charges on your accounts, and an apology.After careful review of your account, we have determined that you originally requested thepayment date of July 11, After reviewing the telephone call, you agreed to process thepayments on June 17, We apologize for any confusion that may have occurred.In the interest of customer service, we issued a credit of $to each account to remove thelate fees that were assessedAdditionally, we have added a courtesy credit of $to eachaccount.I hope this information is helpfulIf you have any further questions regarding your accounts,please contact me at (800) 675-5685, ext *** (TDD/TTY (800) 695-1788)I will be happyto assist you.Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Hello,Thank you for your inquiry. Your reference number is ***.We will reply to your email providing an update and/or resolution of your issue. Please understand that it may take 2-business days to resolve the issue.Please reply to this email with any additional questions
related to your inquiry.Sincerely, Consumer Support Group
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***
We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Lane Bryant Retail 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 concerns.We understand from your complaint that you paid your balance in full and you are receiving calls from Comenity Bank stating that you owe $ Then you received a statement indicating a balance of $ Additionally, you state that recently you were told that you owed $for late fees You are requesting that the Bank remove these charges due to you have not purchased anything and you have paid the balance in full I am happy to share my findings with you.After reviewing the account, our records indicate that a statement was issued to you on October 12, 2015, with a balance of $due to a returned payment of $and the returned payment fee of $assessed by the Bank in accordance to our Credit Card Agreement (CCA) Enclosed is a copy of the CCA for your records Additionally, enclosed are the statements for the months of July through October 2015, showing how the Bank derived the balance of $55.00.Please be aware that the account billed on November 11, Your statement was issued indicating a balance of $57.00, with a minimum payment of $due by December 7, In the interest of customer service, we have removed the finance charge that was assessed As such, your balance is $with a minimum payment of $due by December 7, 2015.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 me at ###-###-####, ext*** (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, 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, *** ***
*** *** * *** ***
*** *** *** ***
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the abovenotedaccountComenity Bank issues meijem accounts and we respond to all account-relatedquestionsYour complaint was forwarded to my attention, and I appreciate this opportunity toassist
you.Your inquiry states that you accidently made a payment in the amount of $to your latehusband's accountYou further indicate that you were informed that a refund check was issuedto you, and you were advised that the check was cashedYou state that you did not receive theinitial check that was mailed to your homeYou are asking that we mail the refund check, sinceyou have not received it.It was a pleasure speaking to you on August 19, As a confirmation of our conversation,please be assured that a refund check in the amount of $has been requested andshould arrive within to business days in a separate mailingAdditionally, we were able toconfirm that the initial refund check was never cashed, and we sincerely apologize for anyfrustration or inconvenience this matter may have caused you.We hope this information is helpfulShould you have any other questions or concernsregarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY###-###-####)I will be happy to assist you.Sincerely,Rosa M*** *** ***
I have initiated all the correspondence and although my husband's name is on the account, I held a card with only my name on it. However, I recently received an emailed statement showing a zero balance with no payment due. I also went online and saw the same information. Therefore, I'm assuming this matter has been settled and we are no longer associated with Reeds and Comenity. I would be interested, however, how you sent the response to my husband since his email is not on file. If you mailed it and we don't agree with the resolution, you will be hearing from us again
Regards,
*** ***
Of the fact that I have made a payment from an account that they said was closedI have checked with my bank, and they said that it was openTechnically, I have made the payment in question on time using the account to pay for itOn top of that, the processing times for the payment is usually 2-days afterThey should have made a disclaimer that they do not take payments from savings accounts.
Regards, *** ***
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank previously issued the Pacific Sunwear credit cardWe are here to answer your questions and assist with your concerns You state a delinquency was
reported to the credit bureaus regarding your Pacific Sunwear accountYou further state that you never received written correspondence from the Bank advising you that the account was in collectionsor on the verge of being reported to the credit bureausYou have called the Bank on numerous occasions and requested the delinquency removed; however, your requests were deniedWhen you received a phone call from the Bank advising that the account was past due, you were told that the account had not been reported to the credit bureaus as late, and you were instructed to make a payment to avoid it being reported to the credit bureausYou state you have paid your balance in full, and you are requesting proof that you were notified of your delinquent status before the account was reported to the credit bureausYou are also requesting the late payment information removed from your credit bureau report. We have reviewed your account and we are happy to share our findings 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, a late fee and a finance charge may be assessed to the account, as explained in the Credit Card AgreementPlease also be advised, if an account is two or more billing periods past due, the negative payment information may be reported to the credit reporting agencies. On November 24, 2016, a billing statement was issued reflecting a balance of $and a minimum payment of $due by December 20, As no payment was received, a late fee and a finance charge were assessed to the account On December 25, 2016, a billing statement was issued reflecting a balance of $and a minimum payment of $due by January 20, As no payment was received, an additional late fee and finance charge were assessed to the account On January 25, 2017, a billing statement was issued reflecting a balance of $and a minimum payment of $due by February 20, On January 27, 2017, a payment of $posted to your account. Based upon your complaint, the Bank reviewed the applicable phone conversationsOn January 27, 2017, you spoke with representatives of the Bank and explained that you just found out that the account was two payments past due, and you asked if the account had been reported to the credit bureauWhen you spoke with a representative from the Bank’s Customer Care team you were advised that the account had not been reported as lateWe apologize for the misinformation that was given Matters of this nature are referred to management so additional coaching/training can be provided to our associatesComenity Capital Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that. We have verified that we are reporting the account correctly to the credit reporting agenciesWe are required by law to report factual informationAs a courtesy, we sent a request to the credit reporting agencies to remove the delinquency reported for January from your accountThis update should appear on your credit file within the next calendar days Although we find the balance to be valid, in the interest of customer service, the Bank has made the decision to no longer hold you responsible for the remaining account balanceOn March 21, 2017, we issued credits totaling $to remove the previously assessed late fees and finance charges I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R***
I have uploaded all documentation that is needed? They are reporting to the credit agencies that I requested a credit card be closed due to a consolidationThis is informationI never requested the card to be closedWhere is the disconnect in the negligent reporting situation?? I am not understandingFor example, let's say you have a two student loansOne through Well Fargo and one through US BankThen you graduate collegeYou consolidate your student loansSo what the bank that consolidates your student loan does it report to the credit agencies that the account has been paid, closedThere is no indication that the student has the loan closed???? Is this making sense yet? SO when someone reports that an account is closed due to consumer or creditor the consumer's FICO score lowersComenity Bank is negligent in their reporting and I want this resolvedI do not understand why it is so hard? I provided previous documentation that my Ann Taylor mastercard is being showed as closed on my credit report when it is open and activeI even submitted a dispute via Experian which sent the dispute to Comenity Bank and they came saying that my card is closed and that how they are reporting it is correctPlease explain to me how I can have an active / open credit card BUT Comenity Bank is allowed to report this card as closedI want this resolvedThis is a violation of the FCRAAlso I am reaching out to the Attorney General's Office because no one seems to understand that how they are reporting these two cards is negligent and illegal
Dear *** ** *** We have received your complaint regarding a Comenity Bank credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour correspondence was forwarded to my attention, and I appreciate
the opportunity to respond to your concerns. We understand from your inquiry that you recently checked your credit report and have found that Comenity Bank is reporting derogatory information on there for an account you are unaware ofYou are requesting that the Bank remove this information from your credit bureau report. Please be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate an accountTo locate an account, we would need additional informationPlease provide the following: ? Complete Account Number ? Any Previous Names ? Any Previous Addresses ? Home Telephone Number ? Social security number This information can be mailed to the address listed above or faxed to my attention at ###-###-####. I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you. Sincerely, Jenny W*** *** *** ***
Dear Ms***:We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Jessica London@ credit card accounts, and we arehere to assist you with all account-related questionsI appreciate the opportunity to respond toyour
concerns.We understand from your complaint that you did not receive your monthly billing statement forthe month of JulyYou were also unsure of the payment address.I attempted to contact you, by telephone, on several occasions to discuss this matter.Unfortunately, my attempts have been unsuccessfulI have reviewed the account and I amhappy to share my findings.I have enclosed copies of your monthly billing statementsPlease keep in mind when paymentsare not received, are received after the due date, or are made for less than the minimumrequired, the account will be assessed a late fee and finance charge, as explained in the CreditCard Agreement.To provide the best possible service to our customers, we have other payment options besidesmail, which can expedite your paymentWe also have a paperless billing option to have yourstatement sent to your email each month to prevent the delay of you receiving a statement bymailPlease see below for a payment method that may be right for you.Our payment address is:Comenity BankPO BOX 659728San Antonio, TX 78265Online: Online payments submitted before 6pm Eastern Time (ET) can be credited to youraccount todayOnline payments submitted after 6pm ET will be credited the following day (or onyour future scheduled payment date)Please note that it may take up to two business days tocomplete the financial transfer from your personal U.S bank account to your Woman Withinaccount.Need to rush a payment?If you need to make a payment todayyou may call us at the phone number on the back of yourbiiing statement to speak to a ~ustomer &re representativeA fee applies to sameIdaypayments made with the representativeThese payments would need to be made through aU.Sbanking account.Please be assured that we have updated our records and you should not receive any furtherteiephone calls at the telephone number ending in from Comenity Bank, regarding yourJessica London@ account.After researching the account, in the interest of customer service, we have issued a credit of$to remove the late fee that was assessed to your account.The Jessica London@ account, referenced-above, was closed, per your request, on July 22.2015.We hope you find this information helpfulIf you have any questions, or need additionalassistance, please do not hesitate to contact me directly at ###-###-####, ext***(TDD/TTY ###-###-####)I will be happy to assist you.Sincerely, Amanda R** *** *** ***
Comenity Bank received the complaint for ***. In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 07/10/Please let me know if this extension date is not approved. Thank you,
Comenity Capital Bank received the complaint for *** In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 07/05/Please let me know if this extension date is not approved
Dear Ms***: Thank you for your recent complaint regarding the account noted aboveComenity Bank issues maurices credit cards and we are here to help with you account-related questions and concernsYour complaint, addressed to the Revdex.com, was forwarded to my attention and
I appreciate the opportunity to assist you. I understand you tried utilizing your maurices credit card for your purchases, and was made aware that you maurices account was inactiveYou state, you have never received any form of notification advising you of a balance dueDue to non-payment, late fees were assessed, increasing the balance from $52.00, which was the original price of your purchase, to $175.62.Your requesting a refund, and for Comenity Bank to adjust their business practices.Bank records indicate, the maurices credit card account was opened on September 29, 2010, use of the account or failure to close the account within days of receiving the Credit Card Agreement (CCA) indicates our acceptance of the terms of the agreement, including the assessment of any finance charges and late feesThe last retail purchase of $was on December 6, The last payment of $posted to the above mentioned account on June 26, 2015, and the account was reporting as six (6) billings past due.After a thorough review of your account, Bank records indicate, a return mail status was added to your account on May 2, 2015; which hindered the issuance of correspondence being mailed to the address listedWe would like to apologize for any inconvenience this may have caused you, and in the interest of customer service, we have issued a credit totaling $on June 29, A refund check in the amount of $has been issued separately, please allow up to business days to receive the refund.Please be assured that Comenity Bank has sent notification to the three national credit-reporting agencies with instructions to update the payment history for the maurices credit card accountPlease allow the credit-reporting agencies days to update their records.I hope you find this information to be helpfulShould you have additional questions or concerns about this issue, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M*** *** ***
Dear *** ** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns. We understand from your correspondence,
submitted to the Revdex.com, that you paid off your account over days agoYou state that the Bank refuses to remove this account from your credit fileYou are requesting that the account be deleted from your credit file. After a thorough review of the account, our records indicate that a payment of $was received March 9, 2017, as a settlement for this accountPlease be advised that the Bank is reporting the account as “account paid for less than full balance”Delinquent accounts generally will report for seven years from the date the account first became delinquent. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityA recent review of the information being reported for your Lane Bryant credit card account did indicate a discrepancyTo 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 allow days for their records to be updated. 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 (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Jessica London credit card. We are here to answer your questions and assist with your concerns We understand from your additional complaint that there was a second account opened that you were unaware of. Additionally, you state that you paid in full the account you were aware of and sent a payment of $for the remaining balance on the above-referenced account. We apologize for any frustration or confusion this matter has caused you. I am happy to share my findings Please be advised, in the interest of customer service, we are buying back the above-referenced account: as it was sold to Midland Funding on December 22, 2016. In addition, we are crediting the remaining balance of $and submitting notification to the credit bureaus to delete the account, in its entirety, from your credit report. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820-
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 *** ***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***
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
We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced aboveComenity Bank issues the above-referenced credit card accounts, and we arehere to assist you with all account-related questionsI appreciate the opportunity to respond toyour concerns.We
understand from your complaint that you authorized payments, on each of the aboveaccounts, for a future date of July 11, 2016, but the payments were processed the same day.You disputed the payments previously, and were advised you agreed to the paymentarrangementYou would like a refund of the overdraft fees assessed by your personal financialinstitution, the late fee charges on your accounts, and an apology.After careful review of your account, we have determined that you originally requested thepayment date of July 11, After reviewing the telephone call, you agreed to process thepayments on June 17, We apologize for any confusion that may have occurred.In the interest of customer service, we issued a credit of $to each account to remove thelate fees that were assessedAdditionally, we have added a courtesy credit of $to eachaccount.I hope this information is helpfulIf you have any further questions regarding your accounts,please contact me at (800) 675-5685, ext *** (TDD/TTY (800) 695-1788)I will be happyto assist you.Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Hello,Thank you for your inquiry. Your reference number is ***.We will reply to your email providing an update and/or resolution of your issue. Please understand that it may take 2-business days to resolve the issue.Please reply to this email with any additional questions
related to your inquiry.Sincerely, Consumer Support Group
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***
We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Lane Bryant Retail 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 concerns.We understand from your complaint that you paid your balance in full and you are receiving calls from Comenity Bank stating that you owe $ Then you received a statement indicating a balance of $ Additionally, you state that recently you were told that you owed $for late fees You are requesting that the Bank remove these charges due to you have not purchased anything and you have paid the balance in full I am happy to share my findings with you.After reviewing the account, our records indicate that a statement was issued to you on October 12, 2015, with a balance of $due to a returned payment of $and the returned payment fee of $assessed by the Bank in accordance to our Credit Card Agreement (CCA) Enclosed is a copy of the CCA for your records Additionally, enclosed are the statements for the months of July through October 2015, showing how the Bank derived the balance of $55.00.Please be aware that the account billed on November 11, Your statement was issued indicating a balance of $57.00, with a minimum payment of $due by December 7, In the interest of customer service, we have removed the finance charge that was assessed As such, your balance is $with a minimum payment of $due by December 7, 2015.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 me at ###-###-####, ext*** (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, 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, *** ***
*** *** * *** ***
*** *** *** ***
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the abovenotedaccountComenity Bank issues meijem accounts and we respond to all account-relatedquestionsYour complaint was forwarded to my attention, and I appreciate this opportunity toassist
you.Your inquiry states that you accidently made a payment in the amount of $to your latehusband's accountYou further indicate that you were informed that a refund check was issuedto you, and you were advised that the check was cashedYou state that you did not receive theinitial check that was mailed to your homeYou are asking that we mail the refund check, sinceyou have not received it.It was a pleasure speaking to you on August 19, As a confirmation of our conversation,please be assured that a refund check in the amount of $has been requested andshould arrive within to business days in a separate mailingAdditionally, we were able toconfirm that the initial refund check was never cashed, and we sincerely apologize for anyfrustration or inconvenience this matter may have caused you.We hope this information is helpfulShould you have any other questions or concernsregarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY###-###-####)I will be happy to assist you.Sincerely,Rosa M*** *** ***
I have initiated all the correspondence and although my husband's name is on the account, I held a card with only my name on it. However, I recently received an emailed statement showing a zero balance with no payment due. I also went online and saw the same information. Therefore, I'm assuming this matter has been settled and we are no longer associated with Reeds and Comenity. I would be interested, however, how you sent the response to my husband since his email is not on file. If you mailed it and we don't agree with the resolution, you will be hearing from us again
Regards,
*** ***
Of the fact that I have made a payment from an account that they said was closedI have checked with my bank, and they said that it was openTechnically, I have made the payment in question on time using the account to pay for itOn top of that, the processing times for the payment is usually 2-days afterThey should have made a disclaimer that they do not take payments from savings accounts.
Regards, *** ***
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank previously issued the Pacific Sunwear credit cardWe are here to answer your questions and assist with your concerns You state a delinquency was
reported to the credit bureaus regarding your Pacific Sunwear accountYou further state that you never received written correspondence from the Bank advising you that the account was in collectionsor on the verge of being reported to the credit bureausYou have called the Bank on numerous occasions and requested the delinquency removed; however, your requests were deniedWhen you received a phone call from the Bank advising that the account was past due, you were told that the account had not been reported to the credit bureaus as late, and you were instructed to make a payment to avoid it being reported to the credit bureausYou state you have paid your balance in full, and you are requesting proof that you were notified of your delinquent status before the account was reported to the credit bureausYou are also requesting the late payment information removed from your credit bureau report. We have reviewed your account and we are happy to share our findings 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, a late fee and a finance charge may be assessed to the account, as explained in the Credit Card AgreementPlease also be advised, if an account is two or more billing periods past due, the negative payment information may be reported to the credit reporting agencies. On November 24, 2016, a billing statement was issued reflecting a balance of $and a minimum payment of $due by December 20, As no payment was received, a late fee and a finance charge were assessed to the account On December 25, 2016, a billing statement was issued reflecting a balance of $and a minimum payment of $due by January 20, As no payment was received, an additional late fee and finance charge were assessed to the account On January 25, 2017, a billing statement was issued reflecting a balance of $and a minimum payment of $due by February 20, On January 27, 2017, a payment of $posted to your account. Based upon your complaint, the Bank reviewed the applicable phone conversationsOn January 27, 2017, you spoke with representatives of the Bank and explained that you just found out that the account was two payments past due, and you asked if the account had been reported to the credit bureauWhen you spoke with a representative from the Bank’s Customer Care team you were advised that the account had not been reported as lateWe apologize for the misinformation that was given Matters of this nature are referred to management so additional coaching/training can be provided to our associatesComenity Capital Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that. We have verified that we are reporting the account correctly to the credit reporting agenciesWe are required by law to report factual informationAs a courtesy, we sent a request to the credit reporting agencies to remove the delinquency reported for January from your accountThis update should appear on your credit file within the next calendar days Although we find the balance to be valid, in the interest of customer service, the Bank has made the decision to no longer hold you responsible for the remaining account balanceOn March 21, 2017, we issued credits totaling $to remove the previously assessed late fees and finance charges I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R***
I have uploaded all documentation that is needed? They are reporting to the credit agencies that I requested a credit card be closed due to a consolidationThis is informationI never requested the card to be closedWhere is the disconnect in the negligent reporting situation?? I am not understandingFor example, let's say you have a two student loansOne through Well Fargo and one through US BankThen you graduate collegeYou consolidate your student loansSo what the bank that consolidates your student loan does it report to the credit agencies that the account has been paid, closedThere is no indication that the student has the loan closed???? Is this making sense yet? SO when someone reports that an account is closed due to consumer or creditor the consumer's FICO score lowersComenity Bank is negligent in their reporting and I want this resolvedI do not understand why it is so hard? I provided previous documentation that my Ann Taylor mastercard is being showed as closed on my credit report when it is open and activeI even submitted a dispute via Experian which sent the dispute to Comenity Bank and they came saying that my card is closed and that how they are reporting it is correctPlease explain to me how I can have an active / open credit card BUT Comenity Bank is allowed to report this card as closedI want this resolvedThis is a violation of the FCRAAlso I am reaching out to the Attorney General's Office because no one seems to understand that how they are reporting these two cards is negligent and illegal
Dear *** ** *** We have received your complaint regarding a Comenity Bank credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour correspondence was forwarded to my attention, and I appreciate
the opportunity to respond to your concerns. We understand from your inquiry that you recently checked your credit report and have found that Comenity Bank is reporting derogatory information on there for an account you are unaware ofYou are requesting that the Bank remove this information from your credit bureau report. Please be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate an accountTo locate an account, we would need additional informationPlease provide the following: ? Complete Account Number ? Any Previous Names ? Any Previous Addresses ? Home Telephone Number ? Social security number This information can be mailed to the address listed above or faxed to my attention at ###-###-####. I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you. Sincerely, Jenny W*** *** *** ***
Dear Ms***:We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Jessica London@ credit card accounts, and we arehere to assist you with all account-related questionsI appreciate the opportunity to respond toyour
concerns.We understand from your complaint that you did not receive your monthly billing statement forthe month of JulyYou were also unsure of the payment address.I attempted to contact you, by telephone, on several occasions to discuss this matter.Unfortunately, my attempts have been unsuccessfulI have reviewed the account and I amhappy to share my findings.I have enclosed copies of your monthly billing statementsPlease keep in mind when paymentsare not received, are received after the due date, or are made for less than the minimumrequired, the account will be assessed a late fee and finance charge, as explained in the CreditCard Agreement.To provide the best possible service to our customers, we have other payment options besidesmail, which can expedite your paymentWe also have a paperless billing option to have yourstatement sent to your email each month to prevent the delay of you receiving a statement bymailPlease see below for a payment method that may be right for you.Our payment address is:Comenity BankPO BOX 659728San Antonio, TX 78265Online: Online payments submitted before 6pm Eastern Time (ET) can be credited to youraccount todayOnline payments submitted after 6pm ET will be credited the following day (or onyour future scheduled payment date)Please note that it may take up to two business days tocomplete the financial transfer from your personal U.S bank account to your Woman Withinaccount.Need to rush a payment?If you need to make a payment todayyou may call us at the phone number on the back of yourbiiing statement to speak to a ~ustomer &re representativeA fee applies to sameIdaypayments made with the representativeThese payments would need to be made through aU.Sbanking account.Please be assured that we have updated our records and you should not receive any furtherteiephone calls at the telephone number ending in from Comenity Bank, regarding yourJessica London@ account.After researching the account, in the interest of customer service, we have issued a credit of$to remove the late fee that was assessed to your account.The Jessica London@ account, referenced-above, was closed, per your request, on July 22.2015.We hope you find this information helpfulIf you have any questions, or need additionalassistance, please do not hesitate to contact me directly at ###-###-####, ext***(TDD/TTY ###-###-####)I will be happy to assist you.Sincerely, Amanda R** *** *** ***
Comenity Bank received the complaint for ***. In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 07/10/Please let me know if this extension date is not approved. Thank you,
Comenity Capital Bank received the complaint for *** In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 07/05/Please let me know if this extension date is not approved
Dear Ms***: Thank you for your recent complaint regarding the account noted aboveComenity Bank issues maurices credit cards and we are here to help with you account-related questions and concernsYour complaint, addressed to the Revdex.com, was forwarded to my attention and
I appreciate the opportunity to assist you. I understand you tried utilizing your maurices credit card for your purchases, and was made aware that you maurices account was inactiveYou state, you have never received any form of notification advising you of a balance dueDue to non-payment, late fees were assessed, increasing the balance from $52.00, which was the original price of your purchase, to $175.62.Your requesting a refund, and for Comenity Bank to adjust their business practices.Bank records indicate, the maurices credit card account was opened on September 29, 2010, use of the account or failure to close the account within days of receiving the Credit Card Agreement (CCA) indicates our acceptance of the terms of the agreement, including the assessment of any finance charges and late feesThe last retail purchase of $was on December 6, The last payment of $posted to the above mentioned account on June 26, 2015, and the account was reporting as six (6) billings past due.After a thorough review of your account, Bank records indicate, a return mail status was added to your account on May 2, 2015; which hindered the issuance of correspondence being mailed to the address listedWe would like to apologize for any inconvenience this may have caused you, and in the interest of customer service, we have issued a credit totaling $on June 29, A refund check in the amount of $has been issued separately, please allow up to business days to receive the refund.Please be assured that Comenity Bank has sent notification to the three national credit-reporting agencies with instructions to update the payment history for the maurices credit card accountPlease allow the credit-reporting agencies days to update their records.I hope you find this information to be helpfulShould you have additional questions or concerns about this issue, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M*** *** ***
Dear *** ** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns. We understand from your correspondence,
submitted to the Revdex.com, that you paid off your account over days agoYou state that the Bank refuses to remove this account from your credit fileYou are requesting that the account be deleted from your credit file. After a thorough review of the account, our records indicate that a payment of $was received March 9, 2017, as a settlement for this accountPlease be advised that the Bank is reporting the account as “account paid for less than full balance”Delinquent accounts generally will report for seven years from the date the account first became delinquent. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityA recent review of the information being reported for your Lane Bryant credit card account did indicate a discrepancyTo 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 allow days for their records to be updated. 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 (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Jessica London credit card. We are here to answer your questions and assist with your concerns We understand from your additional complaint that there was a second account opened that you were unaware of. Additionally, you state that you paid in full the account you were aware of and sent a payment of $for the remaining balance on the above-referenced account. We apologize for any frustration or confusion this matter has caused you. I am happy to share my findings Please be advised, in the interest of customer service, we are buying back the above-referenced account: as it was sold to Midland Funding on December 22, 2016. In addition, we are crediting the remaining balance of $and submitting notification to the credit bureaus to delete the account, in its entirety, from your credit report. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820-