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 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
Dear Ms***We are in receipt of your complaint regarding the above-referenced accountComenity Bank issues NEW YORK & COMPANY credit card accounts and we respond to all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I
appreciate the opportunity to respond to your concerns.We understand from your complaint, you paid your NEW YORK & COMPANY credit card account off in full; however, you received a late feeIn addition, you state that you wrote the company advising that you purchased over $in merchandise that shrunk after your items were washedAs of today’s date, you have not received a response regarding this matter.You are requesting that Comenity Bank address and respond to your concerns.Please be advised that Comenity Bank and New York & Company are two separate entitiesComenity Bank is responsible for answering questions regarding your credit card account, while New York & Company is responsible for answering questions regarding merchandise, purchases and returns.Regarding the late fee assessed to your account, please understand 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 and finance charge, as explained in the Credit Card AgreementBank records indicate your monthly payments are due on the 1st of each monthYour first payment of $was received on July 5, 2016, and the last payment of $34.37, posted to the NEW YORK & COMPANY credit card account on August 4, 2016.On July 23, 2016, you contacted the Bank via SMC regarding a late fee, and your concerns regarding the quality of the clothing that you purchasedBank records indicate we responded to you on August 10, via SMC and we advised that a courtesy late fee credit was provided on July 25, You responded that you had not received any statements in the mail, and that we did not respond to an email you sent to the corporate office over a week ago.On August 11, 2016, the Bank responded via SMC and advised that we are unable to assist you with your concerns regarding New York & Company productsFurthermore, we asked that you contact New York & Company directly at ###-###-####.Please be advised that the Bank is willing to provide a courtesy late fee credit once in an 18-month periodHowever, in the interest of customer service, an additional late fee credit of $was applied to your account on August 23, 2016, to remove the late fee that was assessed on August 1, 2016In one of your SMC messages you stated that you have not received any statements in the mailPlease be advised that your account was registered in our online Account Center on July 5, Account Center provides accountholders the ability to view statements and make payments onlineOn the same date, you chose paperless statements, meaning you will receive your statements online versus postal mailWhen enrolled in paperless statements, we will send you a monthly Statement Ready Email (SRE) alerting you your statement is available to be retrieved.The last SRE was sent on August 10, We have no record of emails being returned as undeliverable from the email address you provided.I hope you find this information helpful and we apologize for the frustration this matter may have caused youFor additional assistance regarding your purchases, please contact New York & Company customer service directly at ###-###-####, or visit your local retail storeIf you have any additional questions regarding your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M***
The fee was not removed In addition, the clothing shrunk to a non wearable condition Not quality clothing This was not addressed or even responded to when I contacted New York and Company via email.Regards,*** ***
It is suggested that my bank contact *** *** Bank; however, we are not given any information on this bank. Where is this bank located? How do we contact this Bank? What is a good contact number for this bank? Is there a contact person in which we can contact in regards to this matter? May we please have this information so that we may move forward? Another question is, why don’t Comenity just request the refund? Why not send me my money and they fight and jump through hoops to get their money back? They obviously have more money to play with than me
Regards, *** ***
Dear *** *** Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns. Your complaint states that after two attempts,
you were able to get the account enrolled into a payment planYou state that if you paid three months, at $a month, the account would be in good standing and the late fees would stop being chargedYou received a statement which reflects the account is still being charged late fees and you asked for it to be waived, which was declinedYou want the late fees removed from the account, since you were told they would be waived, as this adds more to the debt which you are trying to pay off. Please be assured that I reviewed your account and the applicable telephone call. Bank records indicate you spoke to an associate in our Payment Solutions department, and during this call you were offered a day program to bring the account current by paying $monthly for three monthsThe $payments were scheduled for January 25, 2017, February 25, 2017, and March 25, Furthermore, you did ask about the late fees being removed during this program, and our associate advised you that the late fees should be removed after the last payment has posted. When an account is enrolled into the “Reage” program, the late fees do not stop and will continue to be assessed to the account, except on the last paymentWe sincerely apologize that you were provided with incorrect information, and we have taken the necessary steps to coach our associate regarding this matter. As a courtesy, once the March 25, 2017, payment of $has posted to the account, please be assured that I will issue three late fee credits (January, February, and March 2017) to your account. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y***
Dear *** ** ***Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Overstock Store credit cardWe are here to answer your questions andassist with your concerns.We understand from your correspondence,
submitted to the Revdex.com, that you fell behindon your paymentsYou state that you were receiving harassing telephone calls several times a dayYourequested the calls be stopped, as such the Bank added a hold on your accountsThe Bank did not adviseyou that there was a hold on the accounts and you visited local stores to make purchases and were advisedthat the purchases could not be made on the credit cardsYou contacted the Bank via email to resolve thismatter and were advised that a letter must be submitted in order to use the accounts againYou do notagree with this requirement, as you were never notified of the hold on the accountsYou state that youcontacted the Bank again and the representative was very rudeYou are requesting the hold be removedfrom your accounts.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 serviceWe never intend to treat ourcustomers in a less-than-satisfactory mannerWe are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.After a thorough review of your accounts, our records indicate that a cease and desist all communicationwas added to the accounts per your requestOur records also indicate a previous letter was issued to youon December 5, 2016, regarding the Victoria’s Secret Angel account advising you that as a result of addingthe cease and desist on the account it would suspend authorizations for new purchases on the accountsince we would be unable to contact youAdditionally, the previous letter states that your request to ceaseand desist contact on your account may be changed at any time by contacting us again in writing at thebelow address:Comenity BankP.O Box 182273Columbus, OH 43218-2273Enclosed is a copy of the previous letter referenced above for your records.Please be assured that the cease and desist has been removed from the above-referenced account peryour request.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Renee S*May 9, 2017Dear *** ** ***Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts.Comenity Bank issues the Victoria’s Secret Angel, Mandee, NY&C Rewards, The Limited, Pier Rewards,Carson’s, J.Crew and EXPESS NEXT credit cardsWe are here to answer your questions and assist withyour concerns.We understand from your correspondence, submitted to the Revdex.com, that you fell behindon your paymentsYou state that you were receiving harassing telephone calls several times a dayYourequested the calls be stopped, as such the Bank added a hold on your accountsThe Bank did not adviseyou that there was a hold on the accounts and you visited local stores to make purchases and were advisedthat the purchases could not be made on the credit cardsYou contacted the Bank via email to resolve thismatter and were advised that a letter must be submitted in order to use the accounts againYou do notagree with this requirement, as you were never notified of the hold on the accountsYou state that youcontacted the Bank again and the representative was very rudeYou are requesting the hold be removedfrom your accounts.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 serviceWe never intend to treat ourcustomers in a less-than-satisfactory mannerWe are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.After a thorough review of the accounts, our records indicate that a cease and desist all communicationwas added to the accounts per your requestOur records also indicate a previous letter was issued to youon December 5, 2016, regarding the Victoria’s Secret Angel account advising that as a result of adding thecease and desist on the account it would suspend authorizations for new purchases, since we would beunable to contact youAdditionally, the previous letter states that your request to cease and desist contacton your account may be changed at any time by contacting us again in writing at the below address:Comenity BankP.O Box 182273Columbus, OH 43218-2273Enclosed is a copy of the previous letter referenced above for your records.Please be assured that the cease and desist has been removed from the above-referenced accounts peryour requestPlease be advised that by removing the cease and desist from the Pier Rewards accountending in *** you may receive calls from the Bank regarding payment as this account is six billing cyclespast dueAll other accounts listed above are current.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Renee S***
To Whom It May Concern, Thank you for sharing this customer's concern with usWe attempted to reach out to this customer on October 31st, November 1st and again today, November 3rd, but unfortunately we were unable to speak with him directlyWe have, however, reached out by email in hopes of
resolving the issue and offering a solutionAgain, we thank you for allowing us the opportunity to address the issues that were brought to our attentionIf you have any further questions or concerns regarding this ***er, please feel free to contact usSincerely, EXPRESS Customer Relations
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the account referencedaboveComenity Bank issues Woman Within@ credit card accounts, and we are here to assist you withall account-related questions or concernsI appreciate the opportunity to respond to
your concerns.We understand from your complaint that you purchased two pairs of capri pants from Woman Withinusing your Woman Within credit cardYou placed an order for a total of $27.97, and received anadditional fee of $for Account Assure, that should be placed on an unpaid balanceYou returned themerchandise and feel that the only fee that you should pay would be the return label fee of $Youare concerned with the fees being added to your balance, and want to know where your balance iscorning fromYou would like these charges explained and a refund check issued, as you paid thebalance so it would not affect your credit report.Thank you for speaking with me on July 1, As discussed, please be advised that a refund check for$will be issued for the credit of the two charges for Account Assure, and the finance chargesYoushould receive this refund check under separate cover within days.As we discussed, when a customer orders merchandise from Woman Within, the account is charged forthe cast of the merchandise, sales tax (if applicable), and shipping and handlingWhen the merchandiseis returned, the account is credited for the merchandise and the applicable sales taxWoman Withindoes not refund shipping and handling chargesIn addition, if the provided return label is used to returnthe package, the return label fee is charged to the Woman Within@ account.Bank records also indicate that your account was enrolled in Account Assure on May 15, AccountAssure is an optional debt cancellation program that can cancel your balance !f you become involuntarilyunemployed, hospitalized, d~sabled, or should you pass awayYour account is charged $per$of your monthly statement balanceIf you would like to cancel this program, please contact meat the number below.You are a valued customer, and we hope you find this information to be helpfulShould you have anyfurther questions or concerns, please do not hesitate to contact me at ###-###-####, ext***(TDD/TTY ###-###-####)Iwill be happy to asslst you.Sincerely,*** *** Consumer Relations Specialist
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
Regards* *** ***
Dear Ms***:We received your inquiry in reference to the above mentioned credit cardAs the bank that issues Peebles credit card accounts, we are here to assist with all account-related concernsYour correspondence, addressed to the Revdex.com, was forwarded to my attention, and I
appreciate the opportunity to respond to your concerns.We understand from the correspondence, you previously had a Peebles credit card issued through Comenity Bank; however, you state, the account had been written off and placed onto you credit bureau reportYou advised you have tried to resolve this matter by contacting Comenity Bank to dispute derogatory credit reporting; unfortunately, you attempts were unsuccessful.Comenity Bank apologizes for the frustration this may have caused you; however, Please be assured, after a thorough review of our records, we are unable to locate a Peebles credit card account using the information providedWe are unable to resolve this matter without having additional information to research your concernsPlease provide the following:The complete account numberSocial Security numberCurrent or previous addresses including city, state and zip codeTelephone number as listed on the accountFull name, including name changesThis information may be mailed to my attention at the address listed above or faxed to ###-###-####Once this information is received, we will attempt to locate the account and further address your concerns.We hope this information is helpfulShould you have any further questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Geanine M***
I am rejecting your response because I contacted customer service numerous times in regards to the 15% discount and the 50$ sign on bonus , I was told there should have been an automatic link to access these offers , I only received the % discount in the form of a shipping discount after I stated I would file a complaint , if your customer service is unable to explain your practices then how would you expect the consumer to react , the % discount was worded that once the email is submitted there is a link to redeem , there is also no indication that the sign on bonus would be delayed, I placed an order on November 8th and have yet to receive the bonus , as a consumer I should not expect to have a delay from an offer that is worded that it would be immediately forthcoming, I upheld my agreement to your company by paying the bill once I received it , I expect the same from any company that I choose to do business with , I read your explanation and it seemed like you were doing me a favor by honoring the % discount after numerous contacts to your company Check your records it was more than three times , I feel your company distributes misleading claims and are disingenuous in your advertising, I also plan to disassociate myself with your company Once I receive the bonus, I also plan to let the public know How you conduct your business, one word of advice educate your customer service so when the next person calls and they will , they won't tell the customer they cannot explain why they didn't receive what was offered
And again the bank is not accepting responsibility for incorrectly reporting information to the credit bureausThey need to get it together and fix their mistakeIf they want to report something they can report the account at days late but not no Am done with this bank and will make sure that I inform everyone I know how horrible they are with customer service and taking responsibility for their mistakes
I received a phone call from Renee S*** from Comenity Bank today She was very kind and explained to me that my dispute has, in fact, been closed I got the impression from her letter to me on 4/14/that it still remained open awaiting a resolution This was not made clear in her letter, so I rejected the response from Comenity Bank MsS*** just cleared the matter up, stating that the reference she made to the dispute process in her letter was just informative but that my specific dispute with the Bank has been closed I truely appreciated Ms S***'s reaching out to me today Had I realized that my dispute was resolved when I received her letter I would have accepted the response instead of rejecting it As a result, I am reaching out to the Revdex.com to see if they can revise Comenity Bank's Revdex.com Business Profile to reflect that I am now satisfied with the company's response I spoke to Ms*** *** from the Revdex.com who closed this complaint on 4/17/ I'm not sure if this can be done after a complaint has been closed but I thought I would at least try If there is anything that can be done to reflect this change I would be most grateful.Thank you for your assistance with this matter.*** ** ***
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 07/21/
I am rejecting this response because: these are uncalled for and will be hiring an attorneyI made the payment on the 18th and paid it offI will be seeing you in court if nothing can be done
Regards,
*** ***
Dear ***We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your account-related questionsYour complaint was forwarded to my attention, and I
appreciate the opportunity to assist you.We understand from your complaint that you lost your credit card and requested a new cardYou attempted to use the account for payment after an in store purchase, which was declined and you called the BankDue to credit bureau information, you were sent a letter and were advised that you had to wait for this letter in the mailYou never got the letter, only billsYou called the Bank again and were advised that you needed to have the credit bureau alert removed from your credit fileYou were placed on hold for over minutes and still did not receive any helpYou are asking the Bank to send you the card and to reopen your accountYou have also provided the Bank authorization to speak to your wife, on your behalf, and we have not done that either.I personally thank you for speaking with me on May 19, 2015, regarding this matterAs discussed, your Victoria’s Secret/PINK account had a credit bureau fraud alert noticeWhen the request for a card was initiated, you were sent a letter advising you to contact the Bank to provide verification.When a customer places a Fraud Alert on his/her credit bureau report, per the Fair and Accurate Credit Transactions Act of 2003, and certain requests are made to the account, the Bank, by law, is required to contact the customer using the telephone number provided on the credit report, or take reasonable steps to verify the customer’s identity and confirm that the request is not a result of identity theft.We understand that you had not received the letter when you and your wife called the BankAdditionally, the verification process was not initiated, which resulted in the account remaining closed by the Bank and no new cards being issued.The telephone calls have been reviewed, and we were disappointed with the level of service provided to you and your wife when contacting our companyAgain, we sincerely apologize for the experience that resulted from the conversations with our associatesPlease be assured that Comenity Bank strives to provide world-class service and immediate action will take place to coach our associates in providing a more positive experience to our customersIt is never our intention to cause a customer a hardship.As a token of apology, I have requested you be mailed a $Victoria’s Secret gift cardThe gift card has been sent separately, and should be received in 7-daysAlso, the Victoria’s Secret/PINK account has been reopenedHowever, we have transferred the old account ending in *** to a new credit card number ending in *** You will receive the card for you and your wife (authorized buyer) in 7-days.In addition, Bank records indicate that we have a permanent note on the account that we are able to speak to your wife, *** *** *** Please keep in mind that if you need any maintenance to the account (address change, credit limit increase), we would still need your permission to do so.You are a valued customer, and we hope this information is helpfulShould you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
We received your additional correspondence, submitted to the Revdex.com, regarding
the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and
we are here to help answer account-related questions, and I appreciate the opportunity to assist
you
Please accept my apology for the incorrect date in the previous correspondenceThe
delinquency that was reported for November was requested deleted, and may take days
to update on your credit file
You are a valued customer and we hope this information is helpfulIf you have further questions
or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I
will be happy to assist you
Dear *** ***We received your additional complaint, addressed to the Better Busjness Bureau, regarding theaccounts referenced aboveComenity Bank issues the above referenced credit card accounts,and we are here to assist you with all account-related questions or concernsI appreciate theopportunity to respond to your concerns.Our records indicate that the situation referenced in your complaint has bean investigated andresponses have been previously issued explaining our findings and resolutionCornenityBank's position remains unchangedIf you have further questions regarding the orders billed toyour account, or cross shopping, please contact Woman Within at ###-###-####.You are a valued customer and we apologize for any confusion or frustration this matter hascaused youShould you have any fuflher questions regarding your account, please contact meat ###-###-####, ext *** (TDD/TTY ###-###-####)It is often easier to resolve amatter, if we can discuss itPlease contact me if you feel this matter has not been properlyresolvedI will be happy to assist you.*** *** Consumer Relations Specialist
Dear *** ***We received your complaint regarding the above-referenced accountComenity Bank m yissues Torrid credit card accounts, and we are here to help with your account-related questions.Your complaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate
the opportunity to respond to your concerns.I understand your concerns regarding the $payment-by-telephone fee, and I apologize forany frustration or inconvenience you may have experienced because of this issue.Please understand that payment-by-telephone is a service we offer, that requires specialprocessing, which is why a $fee is charged to process your payment in this mannerThispayment option is offered to our customers as a means to avoid additional expenses such as apending late fee assessment and finance charges.Please keep in mind, Comenity Bank provides several payment options at no chargeTo avoidpaying a processing fee, you may mail your payment to the post office address provided on yourstatementIf you plan to mail your payment, we suggest that you allow to days prior to yourdue date to avoid potential mail delays.You may also make online payments by visiting our payment website at www.comenity.netltorrid toregister your account for on-line paymentsThere is no fee to process an on-line payment.Should you have any additional questions or concerns regarding your account, please contact medirectly at ###-###-####, ext*** (TDD/TTY ###-###-####)would be happy to assistyou.Sincerely,*** ***Consumer Relations Specialist
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 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
Dear Ms***We are in receipt of your complaint regarding the above-referenced accountComenity Bank issues NEW YORK & COMPANY credit card accounts and we respond to all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I
appreciate the opportunity to respond to your concerns.We understand from your complaint, you paid your NEW YORK & COMPANY credit card account off in full; however, you received a late feeIn addition, you state that you wrote the company advising that you purchased over $in merchandise that shrunk after your items were washedAs of today’s date, you have not received a response regarding this matter.You are requesting that Comenity Bank address and respond to your concerns.Please be advised that Comenity Bank and New York & Company are two separate entitiesComenity Bank is responsible for answering questions regarding your credit card account, while New York & Company is responsible for answering questions regarding merchandise, purchases and returns.Regarding the late fee assessed to your account, please understand 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 and finance charge, as explained in the Credit Card AgreementBank records indicate your monthly payments are due on the 1st of each monthYour first payment of $was received on July 5, 2016, and the last payment of $34.37, posted to the NEW YORK & COMPANY credit card account on August 4, 2016.On July 23, 2016, you contacted the Bank via SMC regarding a late fee, and your concerns regarding the quality of the clothing that you purchasedBank records indicate we responded to you on August 10, via SMC and we advised that a courtesy late fee credit was provided on July 25, You responded that you had not received any statements in the mail, and that we did not respond to an email you sent to the corporate office over a week ago.On August 11, 2016, the Bank responded via SMC and advised that we are unable to assist you with your concerns regarding New York & Company productsFurthermore, we asked that you contact New York & Company directly at ###-###-####.Please be advised that the Bank is willing to provide a courtesy late fee credit once in an 18-month periodHowever, in the interest of customer service, an additional late fee credit of $was applied to your account on August 23, 2016, to remove the late fee that was assessed on August 1, 2016In one of your SMC messages you stated that you have not received any statements in the mailPlease be advised that your account was registered in our online Account Center on July 5, Account Center provides accountholders the ability to view statements and make payments onlineOn the same date, you chose paperless statements, meaning you will receive your statements online versus postal mailWhen enrolled in paperless statements, we will send you a monthly Statement Ready Email (SRE) alerting you your statement is available to be retrieved.The last SRE was sent on August 10, We have no record of emails being returned as undeliverable from the email address you provided.I hope you find this information helpful and we apologize for the frustration this matter may have caused youFor additional assistance regarding your purchases, please contact New York & Company customer service directly at ###-###-####, or visit your local retail storeIf you have any additional questions regarding your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M***
The fee was not removed In addition, the clothing shrunk to a non wearable condition Not quality clothing This was not addressed or even responded to when I contacted New York and Company via email.Regards,*** ***
It is suggested that my bank contact *** *** Bank; however, we are not given any information on this bank. Where is this bank located? How do we contact this Bank? What is a good contact number for this bank? Is there a contact person in which we can contact in regards to this matter? May we please have this information so that we may move forward? Another question is, why don’t Comenity just request the refund? Why not send me my money and they fight and jump through hoops to get their money back? They obviously have more money to play with than me
Regards, *** ***
Dear *** *** Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns. Your complaint states that after two attempts,
you were able to get the account enrolled into a payment planYou state that if you paid three months, at $a month, the account would be in good standing and the late fees would stop being chargedYou received a statement which reflects the account is still being charged late fees and you asked for it to be waived, which was declinedYou want the late fees removed from the account, since you were told they would be waived, as this adds more to the debt which you are trying to pay off. Please be assured that I reviewed your account and the applicable telephone call. Bank records indicate you spoke to an associate in our Payment Solutions department, and during this call you were offered a day program to bring the account current by paying $monthly for three monthsThe $payments were scheduled for January 25, 2017, February 25, 2017, and March 25, Furthermore, you did ask about the late fees being removed during this program, and our associate advised you that the late fees should be removed after the last payment has posted. When an account is enrolled into the “Reage” program, the late fees do not stop and will continue to be assessed to the account, except on the last paymentWe sincerely apologize that you were provided with incorrect information, and we have taken the necessary steps to coach our associate regarding this matter. As a courtesy, once the March 25, 2017, payment of $has posted to the account, please be assured that I will issue three late fee credits (January, February, and March 2017) to your account. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y***
Dear *** ** ***Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Overstock Store credit cardWe are here to answer your questions andassist with your concerns.We understand from your correspondence,
*May 9, 2017Dear *** ** ***Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts.Comenity Bank issues the Victoria’s Secret Angel, Mandee, NY&C Rewards, The Limited, Pier Rewards,Carson’s, J.Crew and EXPESS NEXT credit cardsWe are here to answer your questions and assist withyour concerns.We understand from your correspondence, submitted to the Revdex.com, that you fell behindon your paymentsYou state that you were receiving harassing telephone calls several times a dayYourequested the calls be stopped, as such the Bank added a hold on your accountsThe Bank did not adviseyou that there was a hold on the accounts and you visited local stores to make purchases and were advisedthat the purchases could not be made on the credit cardsYou contacted the Bank via email to resolve thismatter and were advised that a letter must be submitted in order to use the accounts againYou do notagree with this requirement, as you were never notified of the hold on the accountsYou state that youcontacted the Bank again and the representative was very rudeYou are requesting the hold be removedfrom your accounts.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 serviceWe never intend to treat ourcustomers in a less-than-satisfactory mannerWe are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.After a thorough review of the accounts, our records indicate that a cease and desist all communicationwas added to the accounts per your requestOur records also indicate a previous letter was issued to youon December 5, 2016, regarding the Victoria’s Secret Angel account advising that as a result of adding thecease and desist on the account it would suspend authorizations for new purchases, since we would beunable to contact youAdditionally, the previous letter states that your request to cease and desist contacton your account may be changed at any time by contacting us again in writing at the below address:Comenity BankP.O Box 182273Columbus, OH 43218-2273Enclosed is a copy of the previous letter referenced above for your records.Please be assured that the cease and desist has been removed from the above-referenced accounts peryour requestPlease be advised that by removing the cease and desist from the Pier Rewards accountending in *** you may receive calls from the Bank regarding payment as this account is six billing cyclespast dueAll other accounts listed above are current.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Renee S***
submitted to the Revdex.com, that you fell behindon your paymentsYou state that you were receiving harassing telephone calls several times a dayYourequested the calls be stopped, as such the Bank added a hold on your accountsThe Bank did not adviseyou that there was a hold on the accounts and you visited local stores to make purchases and were advisedthat the purchases could not be made on the credit cardsYou contacted the Bank via email to resolve thismatter and were advised that a letter must be submitted in order to use the accounts againYou do notagree with this requirement, as you were never notified of the hold on the accountsYou state that youcontacted the Bank again and the representative was very rudeYou are requesting the hold be removedfrom your accounts.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 serviceWe never intend to treat ourcustomers in a less-than-satisfactory mannerWe are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.After a thorough review of your accounts, our records indicate that a cease and desist all communicationwas added to the accounts per your requestOur records also indicate a previous letter was issued to youon December 5, 2016, regarding the Victoria’s Secret Angel account advising you that as a result of addingthe cease and desist on the account it would suspend authorizations for new purchases on the accountsince we would be unable to contact youAdditionally, the previous letter states that your request to ceaseand desist contact on your account may be changed at any time by contacting us again in writing at thebelow address:Comenity BankP.O Box 182273Columbus, OH 43218-2273Enclosed is a copy of the previous letter referenced above for your records.Please be assured that the cease and desist has been removed from the above-referenced account peryour request.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Renee S
To Whom It May Concern, Thank you for sharing this customer's concern with usWe attempted to reach out to this customer on October 31st, November 1st and again today, November 3rd, but unfortunately we were unable to speak with him directlyWe have, however, reached out by email in hopes of
resolving the issue and offering a solutionAgain, we thank you for allowing us the opportunity to address the issues that were brought to our attentionIf you have any further questions or concerns regarding this ***er, please feel free to contact usSincerely, EXPRESS Customer Relations
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the account referencedaboveComenity Bank issues Woman Within@ credit card accounts, and we are here to assist you withall account-related questions or concernsI appreciate the opportunity to respond to
your concerns.We understand from your complaint that you purchased two pairs of capri pants from Woman Withinusing your Woman Within credit cardYou placed an order for a total of $27.97, and received anadditional fee of $for Account Assure, that should be placed on an unpaid balanceYou returned themerchandise and feel that the only fee that you should pay would be the return label fee of $Youare concerned with the fees being added to your balance, and want to know where your balance iscorning fromYou would like these charges explained and a refund check issued, as you paid thebalance so it would not affect your credit report.Thank you for speaking with me on July 1, As discussed, please be advised that a refund check for$will be issued for the credit of the two charges for Account Assure, and the finance chargesYoushould receive this refund check under separate cover within days.As we discussed, when a customer orders merchandise from Woman Within, the account is charged forthe cast of the merchandise, sales tax (if applicable), and shipping and handlingWhen the merchandiseis returned, the account is credited for the merchandise and the applicable sales taxWoman Withindoes not refund shipping and handling chargesIn addition, if the provided return label is used to returnthe package, the return label fee is charged to the Woman Within@ account.Bank records also indicate that your account was enrolled in Account Assure on May 15, AccountAssure is an optional debt cancellation program that can cancel your balance !f you become involuntarilyunemployed, hospitalized, d~sabled, or should you pass awayYour account is charged $per$of your monthly statement balanceIf you would like to cancel this program, please contact meat the number below.You are a valued customer, and we hope you find this information to be helpfulShould you have anyfurther questions or concerns, please do not hesitate to contact me at ###-###-####, ext***(TDD/TTY ###-###-####)Iwill be happy to asslst you.Sincerely,*** *** Consumer Relations Specialist
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
Regards* *** ***
Dear Ms***:We received your inquiry in reference to the above mentioned credit cardAs the bank that issues Peebles credit card accounts, we are here to assist with all account-related concernsYour correspondence, addressed to the Revdex.com, was forwarded to my attention, and I
appreciate the opportunity to respond to your concerns.We understand from the correspondence, you previously had a Peebles credit card issued through Comenity Bank; however, you state, the account had been written off and placed onto you credit bureau reportYou advised you have tried to resolve this matter by contacting Comenity Bank to dispute derogatory credit reporting; unfortunately, you attempts were unsuccessful.Comenity Bank apologizes for the frustration this may have caused you; however, Please be assured, after a thorough review of our records, we are unable to locate a Peebles credit card account using the information providedWe are unable to resolve this matter without having additional information to research your concernsPlease provide the following:The complete account numberSocial Security numberCurrent or previous addresses including city, state and zip codeTelephone number as listed on the accountFull name, including name changesThis information may be mailed to my attention at the address listed above or faxed to ###-###-####Once this information is received, we will attempt to locate the account and further address your concerns.We hope this information is helpfulShould you have any further questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Geanine M***
I am rejecting your response because I contacted customer service numerous times in regards to the 15% discount and the 50$ sign on bonus , I was told there should have been an automatic link to access these offers , I only received the % discount in the form of a shipping discount after I stated I would file a complaint , if your customer service is unable to explain your practices then how would you expect the consumer to react , the % discount was worded that once the email is submitted there is a link to redeem , there is also no indication that the sign on bonus would be delayed, I placed an order on November 8th and have yet to receive the bonus , as a consumer I should not expect to have a delay from an offer that is worded that it would be immediately forthcoming, I upheld my agreement to your company by paying the bill once I received it , I expect the same from any company that I choose to do business with , I read your explanation and it seemed like you were doing me a favor by honoring the % discount after numerous contacts to your company Check your records it was more than three times , I feel your company distributes misleading claims and are disingenuous in your advertising, I also plan to disassociate myself with your company Once I receive the bonus, I also plan to let the public know How you conduct your business, one word of advice educate your customer service so when the next person calls and they will , they won't tell the customer they cannot explain why they didn't receive what was offered
And again the bank is not accepting responsibility for incorrectly reporting information to the credit bureausThey need to get it together and fix their mistakeIf they want to report something they can report the account at days late but not no Am done with this bank and will make sure that I inform everyone I know how horrible they are with customer service and taking responsibility for their mistakes
I received a phone call from Renee S*** from Comenity Bank today She was very kind and explained to me that my dispute has, in fact, been closed I got the impression from her letter to me on 4/14/that it still remained open awaiting a resolution This was not made clear in her letter, so I rejected the response from Comenity Bank MsS*** just cleared the matter up, stating that the reference she made to the dispute process in her letter was just informative but that my specific dispute with the Bank has been closed I truely appreciated Ms S***'s reaching out to me today Had I realized that my dispute was resolved when I received her letter I would have accepted the response instead of rejecting it As a result, I am reaching out to the Revdex.com to see if they can revise Comenity Bank's Revdex.com Business Profile to reflect that I am now satisfied with the company's response I spoke to Ms*** *** from the Revdex.com who closed this complaint on 4/17/ I'm not sure if this can be done after a complaint has been closed but I thought I would at least try If there is anything that can be done to reflect this change I would be most grateful.Thank you for your assistance with this matter.*** ** ***
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 07/21/
I am rejecting this response because: these are uncalled for and will be hiring an attorneyI made the payment on the 18th and paid it offI will be seeing you in court if nothing can be done
Regards,
*** ***
Dear ***We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your account-related questionsYour complaint was forwarded to my attention, and I
appreciate the opportunity to assist you.We understand from your complaint that you lost your credit card and requested a new cardYou attempted to use the account for payment after an in store purchase, which was declined and you called the BankDue to credit bureau information, you were sent a letter and were advised that you had to wait for this letter in the mailYou never got the letter, only billsYou called the Bank again and were advised that you needed to have the credit bureau alert removed from your credit fileYou were placed on hold for over minutes and still did not receive any helpYou are asking the Bank to send you the card and to reopen your accountYou have also provided the Bank authorization to speak to your wife, on your behalf, and we have not done that either.I personally thank you for speaking with me on May 19, 2015, regarding this matterAs discussed, your Victoria’s Secret/PINK account had a credit bureau fraud alert noticeWhen the request for a card was initiated, you were sent a letter advising you to contact the Bank to provide verification.When a customer places a Fraud Alert on his/her credit bureau report, per the Fair and Accurate Credit Transactions Act of 2003, and certain requests are made to the account, the Bank, by law, is required to contact the customer using the telephone number provided on the credit report, or take reasonable steps to verify the customer’s identity and confirm that the request is not a result of identity theft.We understand that you had not received the letter when you and your wife called the BankAdditionally, the verification process was not initiated, which resulted in the account remaining closed by the Bank and no new cards being issued.The telephone calls have been reviewed, and we were disappointed with the level of service provided to you and your wife when contacting our companyAgain, we sincerely apologize for the experience that resulted from the conversations with our associatesPlease be assured that Comenity Bank strives to provide world-class service and immediate action will take place to coach our associates in providing a more positive experience to our customersIt is never our intention to cause a customer a hardship.As a token of apology, I have requested you be mailed a $Victoria’s Secret gift cardThe gift card has been sent separately, and should be received in 7-daysAlso, the Victoria’s Secret/PINK account has been reopenedHowever, we have transferred the old account ending in *** to a new credit card number ending in *** You will receive the card for you and your wife (authorized buyer) in 7-days.In addition, Bank records indicate that we have a permanent note on the account that we are able to speak to your wife, *** *** *** Please keep in mind that if you need any maintenance to the account (address change, credit limit increase), we would still need your permission to do so.You are a valued customer, and we hope this information is helpfulShould you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
We received your additional correspondence, submitted to the Revdex.com, regarding
the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and
we are here to help answer account-related questions, and I appreciate the opportunity to assist
you
Please accept my apology for the incorrect date in the previous correspondenceThe
delinquency that was reported for November was requested deleted, and may take days
to update on your credit file
You are a valued customer and we hope this information is helpfulIf you have further questions
or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I
will be happy to assist you
Dear *** ***We received your additional complaint, addressed to the Better Busjness Bureau, regarding theaccounts referenced aboveComenity Bank issues the above referenced credit card accounts,and we are here to assist you with all account-related questions or concernsI appreciate theopportunity to respond to your concerns.Our records indicate that the situation referenced in your complaint has bean investigated andresponses have been previously issued explaining our findings and resolutionCornenityBank's position remains unchangedIf you have further questions regarding the orders billed toyour account, or cross shopping, please contact Woman Within at ###-###-####.You are a valued customer and we apologize for any confusion or frustration this matter hascaused youShould you have any fuflher questions regarding your account, please contact meat ###-###-####, ext *** (TDD/TTY ###-###-####)It is often easier to resolve amatter, if we can discuss itPlease contact me if you feel this matter has not been properlyresolvedI will be happy to assist you.*** *** Consumer Relations Specialist
Dear *** ***We received your complaint regarding the above-referenced accountComenity Bank m yissues Torrid credit card accounts, and we are here to help with your account-related questions.Your complaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate
the opportunity to respond to your concerns.I understand your concerns regarding the $payment-by-telephone fee, and I apologize forany frustration or inconvenience you may have experienced because of this issue.Please understand that payment-by-telephone is a service we offer, that requires specialprocessing, which is why a $fee is charged to process your payment in this mannerThispayment option is offered to our customers as a means to avoid additional expenses such as apending late fee assessment and finance charges.Please keep in mind, Comenity Bank provides several payment options at no chargeTo avoidpaying a processing fee, you may mail your payment to the post office address provided on yourstatementIf you plan to mail your payment, we suggest that you allow to days prior to yourdue date to avoid potential mail delays.You may also make online payments by visiting our payment website at www.comenity.netltorrid toregister your account for on-line paymentsThere is no fee to process an on-line payment.Should you have any additional questions or concerns regarding your account, please contact medirectly at ###-###-####, ext*** (TDD/TTY ###-###-####)would be happy to assistyou.Sincerely,*** ***Consumer Relations Specialist