Dear *** ** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns. We previously received and
responded to your correspondence regarding that you are a victim of Identity Theft and you are requesting this account information removed from your credit file. After a review of the account, our records indicate that a previous letter was sent to you along with a Statement of Fraud and Forgery enclosed for you to fill out, dated March 17, We have enclosed a copy of the previously sent Statement of Fraud and Forgery document sent to you from our Account Protection teamPlease fill it out and send it back to the address listed at the top of the formOnce the form is returned to the Account Protection team they will work diligently to resolve this matter. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact the Account Protection team at ###-###-####. Sincerely, Renee S
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 *** ***We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced aboveComenity Bank issues the above-referenced credit card accounts, and weare here to assist you with all account-related questions or concernsI appreciate theopportunity to
respond to your concerns.I understand from your complaint that you believe the Bank has the three accounts mixed upwith orders on each account that belong on one of the other accounts, and you have disputedthese chargesYou are concerned about the late fees and finance charges, and would likethose charges removed.Please understand that Comenity Bank is a separate entity from Roaman's@, Woman Within@,and BrylaneHome@ Comenity Bank is responsible for addressing questions related to yourcredit card accounts, whereas the retailers are responsible for handling matters related to sales,merchandise processing, returns, and shippingAny information regarding a detailed listing ofitems ordered, including an invoice, would have to be requested from the retailer.Please also understand that BrylaneHome@Jessica London@, Kingsize@, Roaman's@, FullBeauty (previously OneStopPlus.com), and Woman Within@ allow cross shoppingThis meansthat items ordered from one retailer may be charged to any of the listed credit cardsForinstance, a Woman Within@ catalog purchase may be charged to the Roaman's@ credit cardaccount and vice versaAgain, any information regarding a detailed listing of items ordered,including an invoice of how they were billed, would have to be requested from the retailers.I have conducted a review of the activity on your Roaman's@ account over the past severalmonths and noted two instances of cross shoppingSpecifically, a Woman Within@ purchasefor $was charged to the account on November Another Woman Withincatalog purchase in the amount of $was charged to the account on September 9, 2014.Enclosed are copies of the billing statements for your Roaman's@ account from May 2012,to April 9, 2015.I have also conducted a review of the activity on your Woman Within account and have foundno duplicated charges were billed to the accountEnclosed are copies of the billing statementsfor your Woman Within@ account from May 9,2012, to April 8, 2015I have also conducted a review of the activity on your BrylaneHome@ account and have foundno duplicated charges billed to the accountEnclosed are copies of the billing statements foryour BrylaneHome@ account from March 11, 2014, to April 10,2015.A previous response was sent to you on January 22, 2015, regarding your dispute of theBrylaneHome@ account balanceAt that time, in the interest of customer service, a credit of$was applied to the account, to remove late fees that were assessed to the accountIhave enclosed a copy of this letter for your records.As the Bank finds the purchases to be valid, we are unwilling to remove any additional late feesor interest charges from the accountsWe have received multiple late payments for eachaccount over the past several monthsPlease keep in mind, when payments are not received,are received after the due date, or are made for less than the minimum required, the accountwill be assessed a late fee and finance charge, as explained in the Credit Card Agreement.We apologize for any frustration or confusion that this matter may have caused and hope thatthis information is helpfulShould you have any further questions or concerns, please contactme at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
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***
Dear Ms***We recelved your complaint, addressed to the Revdex.com, regarding the account referencedaboveCornenity Bank issues your Ashley Stewart@ credit card account, and we are here to assist youwith all account-related questions or concernsI appreciate the opportunity to
respond to your concernsWe understand from your complaint that you are stating you mailed your payment in a timely manner, andyou would like Comenity Bank to stop charging you late fees.Please be assured that Comenity Bank processes conforming payments the same day they are received.A conforming payment is one that includes a single check and a remittance stub in a remittanceenvelopeNon-conforming payments are opened, dated, and processed within five days of receiptThepayment we received July 7, 2015, was a non-conforming payment.In the interest of customer service, on July 20, 5, we issued credit to remove the $late fee.We sincerely apologize for the frustration and inconvenience this matter may have caused youShouldyou have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext.*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, Amanda R** *** *** ***
Dear *** ** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the *** credit cardWe are here to answer your questions and assist with your concerns Your correspondence indicates you received a
final demand letter for a delinquent credit card account that you did not open. You also state you replied and informed the Bank the account was not yours, and you never received the card or billing statements. Lastly, you state there was a charge off added to your *** credit bureau report, and you would like the account removed, as it is not accurate We have reviewed the concerns mentioned in your correspondence and would like to provide you with the following information Bank records indicate a Statement of Fraud and Forgery (SOFF), was mailed to you on March 30, 2016. However, the Bank has no record of receiving the completed SOFF. Please be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number *** has been created and is being investigated by *** ***The investigation may take up to days to be completed, and you will be notified by mail of the outcome. If you have any questions regarding the fraud investigation, you may reach the Account Protection Team at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** *** * *** ***
*** *** *** ***
When I get a notice from the bank, it says due date and that is the due date of the payment I want to make but yet still get a late feeThis is unjust.
Regards, *** ***
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, *** ***
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-
It does not solve the issueI AM NOT responsible for this account in any way, and I want NOTHING to do with this account or with Comenity Bank.Comenity Bank apparently is perfectly acceptable to anyone opening an account in anyone's name without verificationComenity bank is also apparently acceptable, that after failing to verify that the account application, they recommend filing felony fraud complaints against the applicant, especially if it is a family memberYour minor son or daughter makes an application in their parents name and Comenity Bank fails to verify the application making the parents responsible? Or a spouse? nieces and nephews? When does Comenity Bank take responsibility for their failure to verify applications?I demand that my name be permanently removed from all Comenity Banks records and all of Comenity Banks statements removed from all my credit reporting services.Regards,*** ***
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*** *** ***
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 have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Avenue 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 after receiving a statement and collection calls, you found your account was charged for a magazine subscription At that time you placed a call to the Bank and canceled the magazine subscription and closed the Avenue account Additionally, you noticed that you were charged late fees for non-payment on the account You are requesting that all fees are removed from the account and that the calls are stopped I am happy to share my findings with you.After a thorough review of the account, our records indicate that credits totaling $for the magazine subscription charged to the account on September 18, As such, please be assured that the Bank has credited the account a total of $for the late fees and finance charges assessed to the account due to this matter.As of the date of this letter, the account balance is zero and per your request the account was closed on July 28, 2015.Additionally, please be assured that you will not receive any other calls regarding this account from the Bank.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*Consumer Relations Specialist
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 *** ** *** 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, *** ***
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*** *** ***
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 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** *** *** ***
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***
Dear *** ** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns. We previously received and
responded to your correspondence regarding that you are a victim of Identity Theft and you are requesting this account information removed from your credit file. After a review of the account, our records indicate that a previous letter was sent to you along with a Statement of Fraud and Forgery enclosed for you to fill out, dated March 17, We have enclosed a copy of the previously sent Statement of Fraud and Forgery document sent to you from our Account Protection teamPlease fill it out and send it back to the address listed at the top of the formOnce the form is returned to the Account Protection team they will work diligently to resolve this matter. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact the Account Protection team at ###-###-####. Sincerely, Renee S
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 *** ***We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced aboveComenity Bank issues the above-referenced credit card accounts, and weare here to assist you with all account-related questions or concernsI appreciate theopportunity to
respond to your concerns.I understand from your complaint that you believe the Bank has the three accounts mixed upwith orders on each account that belong on one of the other accounts, and you have disputedthese chargesYou are concerned about the late fees and finance charges, and would likethose charges removed.Please understand that Comenity Bank is a separate entity from Roaman's@, Woman Within@,and BrylaneHome@ Comenity Bank is responsible for addressing questions related to yourcredit card accounts, whereas the retailers are responsible for handling matters related to sales,merchandise processing, returns, and shippingAny information regarding a detailed listing ofitems ordered, including an invoice, would have to be requested from the retailer.Please also understand that BrylaneHome@Jessica London@, Kingsize@, Roaman's@, FullBeauty (previously OneStopPlus.com), and Woman Within@ allow cross shoppingThis meansthat items ordered from one retailer may be charged to any of the listed credit cardsForinstance, a Woman Within@ catalog purchase may be charged to the Roaman's@ credit cardaccount and vice versaAgain, any information regarding a detailed listing of items ordered,including an invoice of how they were billed, would have to be requested from the retailers.I have conducted a review of the activity on your Roaman's@ account over the past severalmonths and noted two instances of cross shoppingSpecifically, a Woman Within@ purchasefor $was charged to the account on November Another Woman Withincatalog purchase in the amount of $was charged to the account on September 9, 2014.Enclosed are copies of the billing statements for your Roaman's@ account from May 2012,to April 9, 2015.I have also conducted a review of the activity on your Woman Within account and have foundno duplicated charges were billed to the accountEnclosed are copies of the billing statementsfor your Woman Within@ account from May 9,2012, to April 8, 2015I have also conducted a review of the activity on your BrylaneHome@ account and have foundno duplicated charges billed to the accountEnclosed are copies of the billing statements foryour BrylaneHome@ account from March 11, 2014, to April 10,2015.A previous response was sent to you on January 22, 2015, regarding your dispute of theBrylaneHome@ account balanceAt that time, in the interest of customer service, a credit of$was applied to the account, to remove late fees that were assessed to the accountIhave enclosed a copy of this letter for your records.As the Bank finds the purchases to be valid, we are unwilling to remove any additional late feesor interest charges from the accountsWe have received multiple late payments for eachaccount over the past several monthsPlease keep in mind, when payments are not received,are received after the due date, or are made for less than the minimum required, the accountwill be assessed a late fee and finance charge, as explained in the Credit Card Agreement.We apologize for any frustration or confusion that this matter may have caused and hope thatthis information is helpfulShould you have any further questions or concerns, please contactme at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
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***
Dear Ms***We recelved your complaint, addressed to the Revdex.com, regarding the account referencedaboveCornenity Bank issues your Ashley Stewart@ credit card account, and we are here to assist youwith all account-related questions or concernsI appreciate the opportunity to
respond to your concernsWe understand from your complaint that you are stating you mailed your payment in a timely manner, andyou would like Comenity Bank to stop charging you late fees.Please be assured that Comenity Bank processes conforming payments the same day they are received.A conforming payment is one that includes a single check and a remittance stub in a remittanceenvelopeNon-conforming payments are opened, dated, and processed within five days of receiptThepayment we received July 7, 2015, was a non-conforming payment.In the interest of customer service, on July 20, 5, we issued credit to remove the $late fee.We sincerely apologize for the frustration and inconvenience this matter may have caused youShouldyou have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext.*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, Amanda R** *** *** ***
Dear *** ** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the *** credit cardWe are here to answer your questions and assist with your concerns Your correspondence indicates you received a
final demand letter for a delinquent credit card account that you did not open. You also state you replied and informed the Bank the account was not yours, and you never received the card or billing statements. Lastly, you state there was a charge off added to your *** credit bureau report, and you would like the account removed, as it is not accurate We have reviewed the concerns mentioned in your correspondence and would like to provide you with the following information Bank records indicate a Statement of Fraud and Forgery (SOFF), was mailed to you on March 30, 2016. However, the Bank has no record of receiving the completed SOFF. Please be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number *** has been created and is being investigated by *** ***The investigation may take up to days to be completed, and you will be notified by mail of the outcome. If you have any questions regarding the fraud investigation, you may reach the Account Protection Team at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** *** * *** ***
*** *** *** ***
When I get a notice from the bank, it says due date and that is the due date of the payment I want to make but yet still get a late feeThis is unjust.
Regards, *** ***
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, *** ***
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-
It does not solve the issueI AM NOT responsible for this account in any way, and I want NOTHING to do with this account or with Comenity Bank.Comenity Bank apparently is perfectly acceptable to anyone opening an account in anyone's name without verificationComenity bank is also apparently acceptable, that after failing to verify that the account application, they recommend filing felony fraud complaints against the applicant, especially if it is a family memberYour minor son or daughter makes an application in their parents name and Comenity Bank fails to verify the application making the parents responsible? Or a spouse? nieces and nephews? When does Comenity Bank take responsibility for their failure to verify applications?I demand that my name be permanently removed from all Comenity Banks records and all of Comenity Banks statements removed from all my credit reporting services.Regards,*** ***
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*** *** ***
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 have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my
*Consumer Relations Specialist
attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that after receiving a statement and collection calls, you found your account was charged for a magazine subscription At that time you placed a call to the Bank and canceled the magazine subscription and closed the Avenue account Additionally, you noticed that you were charged late fees for non-payment on the account You are requesting that all fees are removed from the account and that the calls are stopped I am happy to share my findings with you.After a thorough review of the account, our records indicate that credits totaling $for the magazine subscription charged to the account on September 18, As such, please be assured that the Bank has credited the account a total of $for the late fees and finance charges assessed to the account due to this matter.As of the date of this letter, the account balance is zero and per your request the account was closed on July 28, 2015.Additionally, please be assured that you will not receive any other calls regarding this account from the Bank.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
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 *** ** *** 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, *** ***
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*** *** ***
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 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** *** *** ***
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***