inquiries on my credit report are not mine I have tried everything with the credit bureau's to revolve this matter with Trans Union and Equifax to remove inquiries that are not mine provided documentation that I am a victim of identity theft I like to have this manner reconsidered and my accounts reestablish I'm a good paying customer I pay on time and in full my next course of action is to file a complaint with the *** Attorney General's office to have your accounting practices investigated also note customer satisfaction should be your companies priority *** ***
Dear *** ***: Thank you for contacting Comenity BankAs the bank that issues Victoria’s Secret credit card accounts, we are here to answer account-related questionsYour complaint, submitted to the RevDex.com, was forwarded to my attention for reviewI appreciate
the opportunity to assist you. Your complaint states that you purchased a $Victoria’s Secret gift card and used your debit card as the form of paymentYou never provided authorization for a Victoria’s Secret credit card account to be opened in your nameYou have been contacted and advised that you owe over a $100.00, and you request that this mistake be resolved. We understand that you did not intend to apply for a Victoria’s Secret credit card accountAfter contacting Victoria’s Secret Catalogue, we confirmed that your wife placed a telephone order with Victoria’s Secret Catalogue on December 11, During this telephone call, the order associate advised your wife that you had been pre-approved for an account and asked if you would like to open itYour wife indicated “sure” and she provided your social security number and date of birthHowever, she did ask that the purchase be charged to her debit cardUnfortunately, the associate placed the purchase on the Victoria’s Secret account in errorPlease be assured that Victoria’s Secret is taking immediate action to coach their associate, regarding this matter. To correct this mistake, please be assured that we have issued credits totaling $to refund the charge and bank feesThis will result in a zero account balanceIn addition, please be assured that we have closed the account and sent notification to the national credit-reporting agencies with instructions to delete the Victoria’s Secret account, in its entirety, from your credit bureau reportPlease allow the credit-reporting agencies days to update their records. Additionally, we understand that a dispute was received on January 25, 2016, regarding the account and chargeA Bank response was sent to you which indicated that the account was opened in the store as a result of a quick credit applicationThis was incorrect information and we have taken steps to coach our associate. We sincerely apologize for the frustration and inconvenience you have experienced as a result of this matterIf you have any further questions or concerns, please contact me directly at ###-###-####, ext. *** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y*** Consumer Relations Specialist
I am rejecting this response because: They are requiring me to take them to court, in order to find out how they wrongly opened an acount in my name - rediculous !Regards,
*** ***
I returned the transmission back to them because I was directed to do so by *** *** *** and was told once I did and sent in the tracking my account would be credited If not told that by her I would not have done so How can you tell someone to send back a product and once it was done charge me again for it You issued the credit once I followed your direction and then waited a while and added it all back to my account without warning Very dishonest, how many people have you done this to that have not even noticed it?? I did what you told me to do to handle the situation and you should not be able to charge me back when I did everything I was directed to do If you do not credit then you should be responsible for the transmission I returned due to being told by your representative that if I did so account would be credited I am still owed the creditI did what your representative told me to do and completely followed direction by you and was told it would be issued How can you be so dishonest
Regards, *** ***
Dear Ms***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 questionsYour complaint was forwarded to my attention for review, and I
appreciate the opportunity to assist you.Your complaint states that you enrolled the account into paperless billing and you have been unsuccessful in accessing your account online via the Bank’s Account CenterYour account has been charged bank fees and you are being called multiple times a day by the collection departmentYou also state that when you answer the calls, at times you can hear the associate; however, they cannot hear you, or the phone rings one time, hangs up, and then you receive another callAlso, you have stated that we called your ex-husband and released account information, which caused an unfortunate incident.Please be assured that we have researched your account and we are happy to explain our findings.Bank records indicate that your Victoria’s Secret/PINK account was registered in our online account center on June 12, 2007, which provides accountholders the ability to view statements and make payments onlineOn the same date, you chose paperless statements, which means you would receive your statements online versus postal mailThe monthly billing statements were sent to the email address we have on file, ***Unfortunately, we have no record of the statements being returned as undeliverableAlso, our records show that you accessed the Bank’s Account Center on March 4, 2015, and requested a credit limit increase. Please keep in mind 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 Agreement (CCA)As payments were not made for the March, April, May, and June due dates, the account has been assessed late fees and finance chargesAs no errors were found, the bank fees are validEnclosed are the billing statements for your records.When the Bank’s records show an account as delinquent, the Bank will attempt to contact you regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempt to communicate is successfulThe Bank called you at the numbers that were provided to us, which are listed on your account ending in *** *** ***, and ***.We located and reviewed the telephone calls made in April and JuneUpon review of the April call, we were advised by the third party that he was your husband but did not know your business with Victoria’s Secret/Comenity Bank, as such; a message was left for you to call the BankUpon review of the June call, we were advised by the third party that he was your husband and that he was aware of the business you had with Victoria’s Secret/Comenity Bank, and that you purchased many items from Victoria’s Secret, which he liked as wellAs such, our associate provided him with the payment/past due information, to which he advised he would ensure you received the message and informationSince you have informed the Bank that he is not authorized to discuss the information on your account, please be assured that we have updated our records and placed a “Never Call” status on the number ending in ***The Bank will not place any further calls to this number, per your requestsPlease note that as the account remains past due, we will attempt to contact you at the alternate numbers listed above.Currently, your Victoria’s Secret/PINK account is eligible for financial assistanceTo discuss the re-payment programs available to you by the Bank, please contact our Hardship team; toll free, at ###-###-#### (TDD/TTY ###-###-####).In addition, you may consider assistance from a consumer credit counseling agencyMoney Management International (MMI) is an agency that can help you manage your credit and become consistent with making on-time payments by developing a payment plan for you based upon a debt to income ratioIf you would like to hear more about MMI and what they have to offer, please call ###-###-#### to speak with an MMI counselor.We hope this information is helpfulShould you have any further questions or concerns, please contact the Hardship team at the number provided; they will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
I *** *** do appreciate you for helping me to get a problem solved which I had with Comenity Bank from ordering from Woman WithinThey had gave me some of my refund money but they tried to keep $which I didn't owe them but after filing the complaint on 3/23/they finaly sent it to meMy complaint ID no = ***I thank you for handling it for meI wish I had the other money order stub when they took my money when I ordered some things from Blair and they took my money Comenity Bank againThanks for solving this small case.Thanks again, *** ***
Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bankissues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns.We understand from you correspondence, addressed to the Revdex.com, that you are
purchasing ahomeYou believed you had paid the account balance in full in December 2016; however, you later discoveredthat additional fees were assessed to your accountYou are requesting to have the delinquencies on your creditfile removed.A review of your account indicates the due date is the 2nd of each monthOn December 7, 2016, you made apayment of $with a representative over the telephoneAlthough this was the full statement balance, sincethe payment was received after the due date, a late fee was assessed to the account, as explained in the CreditCard Agreement.Please be assured on March 10, 2017, late fees and finance charges assessed in January, February, and Marchwere credited to your accountAlong with your payment of $33.50, received that same day, the accountbalance is zero.In the interest of customer service, we sent notification to the credit-reporting agencies to remove thedelinquencies that were reported for February and March 2017, with regard to this matterPlease allow daysfor them to update their records.The Lane Bryant account was closed, at your request, on December 19, 2016.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free tocontact me at ###-###-####
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the Lane Bryant credit cardWe are here to answer your questions andassist with your concerns.Your correspondence indicates you have been receiving calls from the Bank
attempting to collecton a debt that has already been paidYou state that when speaking to the Bank therepresentatives were rudeYou also have concerns that delinquencies are being falsely reportedto your credit report, and that being forced to close your account is having a negative impact.We understand that you are requesting to have the delinquencies and the trade line removedfrom your credit report so that the closing of your account does not affect your credit score.We have reviewed the concerns in your correspondence as well as the applicable telephoneconversationsWe apologize if you felt you did not receive the best customer serviceWe neverintend to treat our customers in a less-than-satisfactory mannerWe are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.As advised on February 1, 2017, we have made adjustments to your account to remove theaccrued fees and the remaining balance which will be reflected on your next billing statement.Please be advised as of February 3, 2017, the account balance is zero.Notification has been sent to the national credit-reporting agencies with instructions to removethe delinquencies in reference to the Lane Bryant accountPlease allow the credit-reportingagencies days to update their records.Please be advised that use of the account or failure to close the account within days ofreceiving the Credit Card Agreement(CCA) indicated your acceptance of the terms of theAgreementAs such, per the CCA, you gave us permission to provide information about youraccount to the national credit-reporting agenciesWe respectfully decline your request to removethe account from your credit report.As we are not a credit-reporting agency, if you have questions about the effect any changes toyour account may have on your credit report/score, we suggest that you contact the credit agenciesdirectly.Experian (TRW) TransUnion (TRU) Equifax (CBI)PO Box Experian ParkwayAllen, TX - 0036###-###-####PO Box 390Springfield, PA - 0390###-###-####PO Box 740241Atlanta, GA - 0241###-###-####http://www.experian.com http://www.transunion.com http://www.equifax.comI hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L***
Dear Mr***:We received a complaint from you, addressedto Revdex.com, regarding the above-mentioned account. Comenity Capital Bank issues Blue Nile credit cards, and we are here to help with all account-related questions. Your correspondence was forwarded to
myattention, and I appreciate the opportunity to respond to your concerns.We understand your concerns regarding the interest charge that posted to your account on June 1, 2015, in the amount of $1,513.17 for your expired promotional plan. We would like to apologize for any inconvenience this issue may have caused you.Our records indicate that a purchase of $7,230.00 was charged to the account on May 8, 2014. The purchase was placed on a 12-month deferred interest, 1% payment required promotion plan, scheduled to end on May 9, 2015. As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date. The information was provided on all billing statements in the “details of your plans” section, that should the balance not be paid in full, accrued finance charges dating back to the original date of purchase would be assessed to the account. On June 1, 2015, as the balance was not paid in full, finance charges totaling $1,were assessed to the account.On July 13, 2015, a credit of $was applied to your account to reverse 50% of the previously assessed finance charges. A payment of $1,also posted to your account. The balance on your Blue Nile account is zero. As no banking errors have been found, we are unwilling to make any additional adjustments for the previously assessed finance charges.We hope that you find this information helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Ashley H*** *** ***
We are in receipt of your complaint regarding the above-referenced accountComenity Bankissues dressbarn credit card accounts, and we respond to all account-related questionsYourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate the opportunity to
respond to your concerns.In your complaint you state you opened a dressbarn credit card account in September 2011;however, you did not receive your dressbarn credit card due to the sales associate entering thewrong addressYou state that the account went to a write off status, and was paid on June 4,2012.Please be advised that the Bank has no record of mail being returned to us as undeliverable.You state that Comenity Bank has refused to make changes to the account status, and thenational credit-reporting agencies are reporting your dressbarn account as either open or chargeoff.Due to the reporting, you advise us that you are being denied additional creditYou arerequesting that Comenity Bank update your credit bureau report to reflect the dressbarn accountas closed.Bank records indicate, on December 23, 2011, a representative from our Payment Solutions teamcontacted you advising that the dressbarn account had fallen past dueAt this time, records showyou advised us you had moved, and you updated your address from *** *** ***,Fayetteville, North Carolina 28301, to *** *** *** *** Apartment ***, Durham, NorthCarolina Additionally, we asked that you make a payment on the account; however, youdeclinedRecords further indicate that you were contacted again on February 3, 2012, regardingthe past due status of the accountYou declined making a payment and advised you were goingto pay the account off at a later dateBank records indicate we received a payment of $182.53on June 1, 2012, which satisfied the full balance.We apoIogize for any frustration or inconvenience this matter may have caused youWe havereviewed the reporting of the account and find that all national credit-reporting agencies arereporting the account as a paid write offThis information is accurate; therefore, it will not bechanged or deletedPlease understand that when an account displays a status of write off(charge off); it means the account is closed to future use.I hope you find this information to be helpfulShould you have additional questions or concernsabout the account, please contact me at 800-675-5685, ext*** (TDD/TTY 1-800-695-1788)I would be happy to assist you.Sincerely,Geanine M***Consumer Relations SpecialistCC: Revdex.com
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Pier Rewards 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 were charged a late fee, made a payment, and closed your accountYou also state that you received another late fee and finance charge on the account after the closureYou are requesting a refund for the additional fees that were charged. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. After a review of the account, our records indicate that the account was opened on January 28, 2017, at that time purchases were made of $for Bedroom Furniture, and $for Home Fragrances. On February 23, 2017, a statement was issued with a balance of $with a minimum payment of $due on March 21, A payment of $was received on March 26, Thank you for this paymentAs this payment was received after the due date a late fee and finance charged were assessed to the account. On March 26, 2017, a statement was issued with a balance of $with a minimum payment of $due on April 21, A payment of $was received on April 24, 2017, as this payment was received after the due date, another late fee and finance charge were assessed to the account. On April 25, 2017, a statement was issued with a balance of $with a minimum payment of $due on May 21, A payment of $was received on May 2, Enclosed are the statements referenced above. As of the date of this letter, the account balance is zeroAdditionally, per your request the account was closed on April 3, 2017. As the Bank finds all fees were valid, we are unwilling to issue credit for any late fees or 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, Renee S***
Dear Ms*** We received your additional complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues POTTERY BARN credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you feel that the previous corrections made to your account were not satisfactory. I apologize for any frustration that this issue may have caused. We recently responded to the Federal Deposit Insurance Corporation (FDIC), regarding this complaint on April 1, 2016. Enclosed is a copy of the response for your recordsWe hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** *TDD/TTY ###-###-####). I will be happy to assist youSincerely, Ashley H***
Dear Mr***We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Capital Bank issues My BJ's Perks Mastercardo, accounts, andwe are here to assist you with all account-related questionsI appreciate the opportunity torespond to your
concerns.We understand from your complaint that you were advised on April 23, 2015, that your interestrate could be changed from 24.99% to 17.74%We also understand that you were advised onMay 9, 2015, that the letters your received in the mail about the denial of the APR change weresent in error.I have reviewed your My BJ's Perks MastercardB account and on May 22, 2015, you spokewith a supervisor who advised you that we are unable to change your interest rate to 11.74%due to our banks change in terms not being sentThe supervisor did apply a credit in theamount of $to offset the amount of finance charges you have assessed on your account.At this time we are still unable to lower your APR to 11.74%, and your APR will remain at24.99%.We hope this information is helpful and apologize for any frustration you experienced regardingthis matter- Should you have any further questions, please contact me at ###-###-####, ext.*** (TDD/TTY ###-###-####)will be happy to assist you.Sincerely,Kristina W***
Dear Ms***:We received your complaint, addressed to the Revdex.com, regarding phone calls youhave been receivingComenity Capital Bank issues various credit card accounts, and we respondto all account-related questionsYour complaint was forwarded to my attention, and I
appreciatethe opportunity to assist you.We understand from your complaint that you have been receiving several calls from differentphone numbers soliciting credit cardsYou state that you have contacted the Bank to have thecalls stop; however, you continue to receive calls.The telephone calls placed to the telephone number ending in were attempts by the Bankto contact one of our customers regarding a business matterThe Bank has honored your requestto cease all phone calls to the telephone number ending in 1265, regarding the matter unrelatedto you.If you are receiving phone calls from the Bank at a different telephone number, regarding a matternot related to you, please do not hesitate to contact us directly.Please accept our apology for any inconvenience you may have experienced regarding thissituationIf you have any questions or concerns, please feel free to contact me at 1-800-675-5685, ext*** (TDDTTTY 1-888-9-918)would be happy to assist you.Sincerely,Rosa M***Consumer Relations SpecialistCC: Revdex.com
Dear *** ***:We received your letter, submitted to the Revdex.com, regarding the above-notedaccountComenity Bank issues Victoria's SecretPlNK credit cards, and we are here to helpanswer your account-related questionsI appreciate the opportunity to assist you.We understand from
your complaint that you received a Secret Rewards card from Victoria'sSecret and placed an order via the catalogueAt the time of purchase, a Victoria's SecretPINKcredit card account was opened for you, which you want to keepHowever, you state that youwere unaware that the purchase would be charged to the Victoria's SecretPlNK account, as theSecret Reward was for $You state that no statements were received, and as a resultthe account was assessed Bank feesYou are asking the Bank to remove the fees and thecharge from the account, although you would still like to keep the items you have.Please note that the Victoria's Secret credit card account and Secret Rewards are two separateitemsVictoria's Secret handles matters related to the Secret Rewards Campaign, whileComenity Bank handles matters related to the credit card account.During the spring of 2015, Victoria's Secret ran a Secret Rewards CampaignDuring this time,customers were eligible to earn a Secret Reward by making a purchase.Bank records indicate that you opened the Victoria's SecretPlNK credit card account whencalling the catalogue to place the order on April 3, The account was established with a$credit limitThe purchase of $was made and charged to the credit card accounton April 5, 2015.Comenity Bank mailed the monthly statement(s) for the purchase to the address listed at the topof this letterUnfortunately, payment was not received for the May or June due dates, andthe account was assessed late fees and finance charges.Please be assured that we have issued credits totaling $to refund the late fees andfinance chargesAdditionally, we removed the 30-day delinquency that reported to the creditbureaus for June Please allow the national credit-reporting agencies days to updatetheir records.As these credits have been applied, the balance for the purchase of $remains on theaccountWe are unwilling to issue credit for this amount as you charged this to the credit cardaccountIf you can supply the Bank with a photocopy of the Secret Rewards, which indicatesthe amount you were awarded, we will be happy to update our records and process a creditadjustment for the purchaseYou may fax a copy to my attention to ###-###-####, or youmay mail a copy to the address listed above.Additionally, I have updated your account and suppressed the finance charges and paymentthat was due by July 3, 2015, so that you are not penalizedThe next billing statement willgenerate on July 8, 2015, and payment for the purchase will be due on August 3, If wehave not received the Secret Rewards copy from you, we will assume that you agree to pay forthe purchaseIf payment is not received by the August due date, the account will be assesseda late fee and a finance chargeThe Bank would be unwilling to credit any additional fees.As you wish to keep the account open, the account remains activeEnclosed are the previousbilling statements for your records.We appreciate you being a loyal customer of the Victoria's SecretPlNK brand, and we hope thisinformation is helpfulShould you have any further questions or concerns, please do nothesitate to contact me at ###-###-#### (TDD/TTY ###-###-####)I will behappy to assist you.Sincerely,*** ***Consumer Relations Specialist
Dear *** ***: We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit card accounts, and we are here to help answer your account-related questions and concernsYour complaint
was forwarded to my attention, and I appreciate the opportunity to assist you. We understand that you called the Bank to request a late fee removal and the service you received from our associate was less than satisfactoryYou ask that the Bank look into this telephone call for training purposes and you have requested we remove the late fee from your account. Bank records indicate that the address listed on your account is different from what you have provided in your complaintIf this information should be updated, please contact our Customer Care team, toll free, at ###-###-####. A billing statement was mailed to you on March 15, 2015, and payment of $was due on April 10, 2015. We have no record that the statement was undeliverable by the post officePayment of $was received on April 14, 2015, which was after the payment due dateAs a result, the account was assessed a $late feePer the Bank’s Credit Card Agreement (CCA), if payment is not received, received after the due date, or made for less than the required minimum due, the account is subjected to a late fee charge. In the interest of customer service, we issued credit for $to remove the late feeThe credit will reflect on your next billing statement. Comenity Bank is proud of the excellent service that we give to our customers, and we appreciate hearing from them if they experience any difficultiesWe sincerely apologize that you were not pleased with the service you received when you telephoned the BankWe feel our associates are knowledgeable, friendly, and eager to assist our customersThe situation you described is not a typical example of the services provided by our associates. The telephone call has been reviewed and we are disappointed for the lack of service you received, and how your account concerns were handledPlease be assured that our management team is aware of this situation and they have addressed this with the associate. 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
I am writing to you in reference to my previous telephonic conversationsregarding complains ( previous complaint #: ***) done on Revdex.com officialwebsite against comenity bank’s fraud, harassment, abuse during theconversation.Initially when I called the helpline the representatives theirrepresentatives started shouting at meI was in a shock that what aHighly non-professional customer services helpline with extremely bad/rudetone of voiceOne of the representative told me that their management toldthem to shout at me so that media and people talk about it and they can useme for marketing and publicity stunts by abusing me.On June, the medication box which I bought from DSW store foraround $dollars was being adjusted with my birthday gift card and thetill the month of September paperless bill statement proof which Ihave printed and also attached in the email: [email protected] with a subject attention to Mr***.In the month of October when I called the helpline to check my credit limitcomenity bank employee told me that you got charged a late fee of $24dollars on $I said why when it was being adjusted with my birthdaygift cardThe representative stated misbehaving and told me that eitherDSW or the bank didn’t adjusted the gift card because of that problem yougot charged late feeI even sent email proofs of $bill balance to DSW /comenity bank as a reply to one of the postal mails.I have confirmed by bill via IVR; the bill was $till the month ofSeptember But in the month of October when I told the csr of comenitybank that as per IVR and my online emails the balance is $and you aresaying that its $which is a late fee (Basically, they were doing a fraudwhich I don’t want to be a part of).Disputed Amount which is actually a fraudulent late fee which comenity bankis charging for this month is : $165.72Kindly, look into this issue and help me in getting rid of this abuse andfraud, identity theft which comenity bank or DSW is doing.DSW told me that they have nothing to do with any of comenity bank’s fraudthat they are doing and we don’t want to be a part of that fraudWe didn’tgave them the permission if they are trying to convey any indirectfraudulent messages.Thanks & Regards
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 understand that you were contacted
by the Bank to collect on a past due debt, and you advised the representative that you were going through a financial hardship and were unable to payYou state that the associate became nasty, started yelling, and demanded payment over the phoneYou are very upset to be harassed in that manner, and find it suspicious to be contacted from a private numberYou request to not receive any further harassing calls. We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Calls are no longer being placed to the telephone numbers we currently have on the account, as we have marked those numbers with “Do Not Call” instructions. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reportingMany times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current statusWe understand customers may experience difficulty making their payments due to economic factorsYou may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout Program. These programs can provide customers with special terms in order to help bring the account currentIf you are interested in obtaining information on whether you qualify for one of these programs, please call ###-###-####. Additionally, the Bank does not always have full control of the information that is displayed on your caller IDCaller ID information may vary by phone number; for example, your phone service carrier may have limitations on what information is passed through to your caller ID. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L***
inquiries on my credit report are not mine I have tried everything with the credit bureau's to revolve this matter with Trans Union and Equifax to remove inquiries that are not mine provided documentation that I am a victim of identity theft I like to have this manner reconsidered and my accounts reestablish I'm a good paying customer I pay on time and in full my next course of action is to file a complaint with the *** Attorney General's office to have your accounting practices investigated also note customer satisfaction should be your companies priority *** ***
Dear *** ***: Thank you for contacting Comenity BankAs the bank that issues Victoria’s Secret credit card accounts, we are here to answer account-related questionsYour complaint, submitted to the RevDex.com, was forwarded to my attention for reviewI appreciate
the opportunity to assist you. Your complaint states that you purchased a $Victoria’s Secret gift card and used your debit card as the form of paymentYou never provided authorization for a Victoria’s Secret credit card account to be opened in your nameYou have been contacted and advised that you owe over a $100.00, and you request that this mistake be resolved. We understand that you did not intend to apply for a Victoria’s Secret credit card accountAfter contacting Victoria’s Secret Catalogue, we confirmed that your wife placed a telephone order with Victoria’s Secret Catalogue on December 11, During this telephone call, the order associate advised your wife that you had been pre-approved for an account and asked if you would like to open itYour wife indicated “sure” and she provided your social security number and date of birthHowever, she did ask that the purchase be charged to her debit cardUnfortunately, the associate placed the purchase on the Victoria’s Secret account in errorPlease be assured that Victoria’s Secret is taking immediate action to coach their associate, regarding this matter. To correct this mistake, please be assured that we have issued credits totaling $to refund the charge and bank feesThis will result in a zero account balanceIn addition, please be assured that we have closed the account and sent notification to the national credit-reporting agencies with instructions to delete the Victoria’s Secret account, in its entirety, from your credit bureau reportPlease allow the credit-reporting agencies days to update their records. Additionally, we understand that a dispute was received on January 25, 2016, regarding the account and chargeA Bank response was sent to you which indicated that the account was opened in the store as a result of a quick credit applicationThis was incorrect information and we have taken steps to coach our associate. We sincerely apologize for the frustration and inconvenience you have experienced as a result of this matterIf you have any further questions or concerns, please contact me directly at ###-###-####, ext. *** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y*** Consumer Relations Specialist
I am rejecting this response because: They are requiring me to take them to court, in order to find out how they wrongly opened an acount in my name - rediculous !Regards,
*** ***
I returned the transmission back to them because I was directed to do so by *** *** *** and was told once I did and sent in the tracking my account would be credited If not told that by her I would not have done so How can you tell someone to send back a product and once it was done charge me again for it You issued the credit once I followed your direction and then waited a while and added it all back to my account without warning Very dishonest, how many people have you done this to that have not even noticed it?? I did what you told me to do to handle the situation and you should not be able to charge me back when I did everything I was directed to do If you do not credit then you should be responsible for the transmission I returned due to being told by your representative that if I did so account would be credited I am still owed the creditI did what your representative told me to do and completely followed direction by you and was told it would be issued How can you be so dishonest
Regards, *** ***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
Regards,
*** ***
Dear Ms***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 questionsYour complaint was forwarded to my attention for review, and I
appreciate the opportunity to assist you.Your complaint states that you enrolled the account into paperless billing and you have been unsuccessful in accessing your account online via the Bank’s Account CenterYour account has been charged bank fees and you are being called multiple times a day by the collection departmentYou also state that when you answer the calls, at times you can hear the associate; however, they cannot hear you, or the phone rings one time, hangs up, and then you receive another callAlso, you have stated that we called your ex-husband and released account information, which caused an unfortunate incident.Please be assured that we have researched your account and we are happy to explain our findings.Bank records indicate that your Victoria’s Secret/PINK account was registered in our online account center on June 12, 2007, which provides accountholders the ability to view statements and make payments onlineOn the same date, you chose paperless statements, which means you would receive your statements online versus postal mailThe monthly billing statements were sent to the email address we have on file, ***Unfortunately, we have no record of the statements being returned as undeliverableAlso, our records show that you accessed the Bank’s Account Center on March 4, 2015, and requested a credit limit increase. Please keep in mind 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 Agreement (CCA)As payments were not made for the March, April, May, and June due dates, the account has been assessed late fees and finance chargesAs no errors were found, the bank fees are validEnclosed are the billing statements for your records.When the Bank’s records show an account as delinquent, the Bank will attempt to contact you regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempt to communicate is successfulThe Bank called you at the numbers that were provided to us, which are listed on your account ending in *** *** ***, and ***.We located and reviewed the telephone calls made in April and JuneUpon review of the April call, we were advised by the third party that he was your husband but did not know your business with Victoria’s Secret/Comenity Bank, as such; a message was left for you to call the BankUpon review of the June call, we were advised by the third party that he was your husband and that he was aware of the business you had with Victoria’s Secret/Comenity Bank, and that you purchased many items from Victoria’s Secret, which he liked as wellAs such, our associate provided him with the payment/past due information, to which he advised he would ensure you received the message and informationSince you have informed the Bank that he is not authorized to discuss the information on your account, please be assured that we have updated our records and placed a “Never Call” status on the number ending in ***The Bank will not place any further calls to this number, per your requestsPlease note that as the account remains past due, we will attempt to contact you at the alternate numbers listed above.Currently, your Victoria’s Secret/PINK account is eligible for financial assistanceTo discuss the re-payment programs available to you by the Bank, please contact our Hardship team; toll free, at ###-###-#### (TDD/TTY ###-###-####).In addition, you may consider assistance from a consumer credit counseling agencyMoney Management International (MMI) is an agency that can help you manage your credit and become consistent with making on-time payments by developing a payment plan for you based upon a debt to income ratioIf you would like to hear more about MMI and what they have to offer, please call ###-###-#### to speak with an MMI counselor.We hope this information is helpfulShould you have any further questions or concerns, please contact the Hardship team at the number provided; they will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
I *** *** do appreciate you for helping me to get a problem solved which I had with Comenity Bank from ordering from Woman WithinThey had gave me some of my refund money but they tried to keep $which I didn't owe them but after filing the complaint on 3/23/they finaly sent it to meMy complaint ID no = ***I thank you for handling it for meI wish I had the other money order stub when they took my money when I ordered some things from Blair and they took my money Comenity Bank againThanks for solving this small case.Thanks again, *** ***
Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bankissues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns.We understand from you correspondence, addressed to the Revdex.com, that you are
purchasing ahomeYou believed you had paid the account balance in full in December 2016; however, you later discoveredthat additional fees were assessed to your accountYou are requesting to have the delinquencies on your creditfile removed.A review of your account indicates the due date is the 2nd of each monthOn December 7, 2016, you made apayment of $with a representative over the telephoneAlthough this was the full statement balance, sincethe payment was received after the due date, a late fee was assessed to the account, as explained in the CreditCard Agreement.Please be assured on March 10, 2017, late fees and finance charges assessed in January, February, and Marchwere credited to your accountAlong with your payment of $33.50, received that same day, the accountbalance is zero.In the interest of customer service, we sent notification to the credit-reporting agencies to remove thedelinquencies that were reported for February and March 2017, with regard to this matterPlease allow daysfor them to update their records.The Lane Bryant account was closed, at your request, on December 19, 2016.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free tocontact me at ###-###-####
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the Lane Bryant credit cardWe are here to answer your questions andassist with your concerns.Your correspondence indicates you have been receiving calls from the Bank
attempting to collecton a debt that has already been paidYou state that when speaking to the Bank therepresentatives were rudeYou also have concerns that delinquencies are being falsely reportedto your credit report, and that being forced to close your account is having a negative impact.We understand that you are requesting to have the delinquencies and the trade line removedfrom your credit report so that the closing of your account does not affect your credit score.We have reviewed the concerns in your correspondence as well as the applicable telephoneconversationsWe apologize if you felt you did not receive the best customer serviceWe neverintend to treat our customers in a less-than-satisfactory mannerWe are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.As advised on February 1, 2017, we have made adjustments to your account to remove theaccrued fees and the remaining balance which will be reflected on your next billing statement.Please be advised as of February 3, 2017, the account balance is zero.Notification has been sent to the national credit-reporting agencies with instructions to removethe delinquencies in reference to the Lane Bryant accountPlease allow the credit-reportingagencies days to update their records.Please be advised that use of the account or failure to close the account within days ofreceiving the Credit Card Agreement(CCA) indicated your acceptance of the terms of theAgreementAs such, per the CCA, you gave us permission to provide information about youraccount to the national credit-reporting agenciesWe respectfully decline your request to removethe account from your credit report.As we are not a credit-reporting agency, if you have questions about the effect any changes toyour account may have on your credit report/score, we suggest that you contact the credit agenciesdirectly.Experian (TRW) TransUnion (TRU) Equifax (CBI)PO Box Experian ParkwayAllen, TX - 0036###-###-####PO Box 390Springfield, PA - 0390###-###-####PO Box 740241Atlanta, GA - 0241###-###-####http://www.experian.com http://www.transunion.com http://www.equifax.comI hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L***
Dear Mr***:We received a complaint from you, addressedto Revdex.com, regarding the above-mentioned account. Comenity Capital Bank issues Blue Nile credit cards, and we are here to help with all account-related questions. Your correspondence was forwarded to
myattention, and I appreciate the opportunity to respond to your concerns.We understand your concerns regarding the interest charge that posted to your account on June 1, 2015, in the amount of $1,513.17 for your expired promotional plan. We would like to apologize for any inconvenience this issue may have caused you.Our records indicate that a purchase of $7,230.00 was charged to the account on May 8, 2014. The purchase was placed on a 12-month deferred interest, 1% payment required promotion plan, scheduled to end on May 9, 2015. As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date. The information was provided on all billing statements in the “details of your plans” section, that should the balance not be paid in full, accrued finance charges dating back to the original date of purchase would be assessed to the account. On June 1, 2015, as the balance was not paid in full, finance charges totaling $1,were assessed to the account.On July 13, 2015, a credit of $was applied to your account to reverse 50% of the previously assessed finance charges. A payment of $1,also posted to your account. The balance on your Blue Nile account is zero. As no banking errors have been found, we are unwilling to make any additional adjustments for the previously assessed finance charges.We hope that you find this information helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Ashley H*** *** ***
We are in receipt of your complaint regarding the above-referenced accountComenity Bankissues dressbarn credit card accounts, and we respond to all account-related questionsYourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate the opportunity to
respond to your concerns.In your complaint you state you opened a dressbarn credit card account in September 2011;however, you did not receive your dressbarn credit card due to the sales associate entering thewrong addressYou state that the account went to a write off status, and was paid on June 4,2012.Please be advised that the Bank has no record of mail being returned to us as undeliverable.You state that Comenity Bank has refused to make changes to the account status, and thenational credit-reporting agencies are reporting your dressbarn account as either open or chargeoff.Due to the reporting, you advise us that you are being denied additional creditYou arerequesting that Comenity Bank update your credit bureau report to reflect the dressbarn accountas closed.Bank records indicate, on December 23, 2011, a representative from our Payment Solutions teamcontacted you advising that the dressbarn account had fallen past dueAt this time, records showyou advised us you had moved, and you updated your address from *** *** ***,Fayetteville, North Carolina 28301, to *** *** *** *** Apartment ***, Durham, NorthCarolina Additionally, we asked that you make a payment on the account; however, youdeclinedRecords further indicate that you were contacted again on February 3, 2012, regardingthe past due status of the accountYou declined making a payment and advised you were goingto pay the account off at a later dateBank records indicate we received a payment of $182.53on June 1, 2012, which satisfied the full balance.We apoIogize for any frustration or inconvenience this matter may have caused youWe havereviewed the reporting of the account and find that all national credit-reporting agencies arereporting the account as a paid write offThis information is accurate; therefore, it will not bechanged or deletedPlease understand that when an account displays a status of write off(charge off); it means the account is closed to future use.I hope you find this information to be helpfulShould you have additional questions or concernsabout the account, please contact me at 800-675-5685, ext*** (TDD/TTY 1-800-695-1788)I would be happy to assist you.Sincerely,Geanine M***Consumer Relations SpecialistCC: Revdex.com
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Pier Rewards 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 were charged a late fee, made a payment, and closed your accountYou also state that you received another late fee and finance charge on the account after the closureYou are requesting a refund for the additional fees that were charged. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. After a review of the account, our records indicate that the account was opened on January 28, 2017, at that time purchases were made of $for Bedroom Furniture, and $for Home Fragrances. On February 23, 2017, a statement was issued with a balance of $with a minimum payment of $due on March 21, A payment of $was received on March 26, Thank you for this paymentAs this payment was received after the due date a late fee and finance charged were assessed to the account. On March 26, 2017, a statement was issued with a balance of $with a minimum payment of $due on April 21, A payment of $was received on April 24, 2017, as this payment was received after the due date, another late fee and finance charge were assessed to the account. On April 25, 2017, a statement was issued with a balance of $with a minimum payment of $due on May 21, A payment of $was received on May 2, Enclosed are the statements referenced above. As of the date of this letter, the account balance is zeroAdditionally, per your request the account was closed on April 3, 2017. As the Bank finds all fees were valid, we are unwilling to issue credit for any late fees or 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, Renee S***
Dear Ms*** We received your additional complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues POTTERY BARN credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you feel that the previous corrections made to your account were not satisfactory. I apologize for any frustration that this issue may have caused. We recently responded to the Federal Deposit Insurance Corporation (FDIC), regarding this complaint on April 1, 2016. Enclosed is a copy of the response for your recordsWe hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** *TDD/TTY ###-###-####). I will be happy to assist youSincerely, Ashley H***
Dear Mr***We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Capital Bank issues My BJ's Perks Mastercardo, accounts, andwe are here to assist you with all account-related questionsI appreciate the opportunity torespond to your
concerns.We understand from your complaint that you were advised on April 23, 2015, that your interestrate could be changed from 24.99% to 17.74%We also understand that you were advised onMay 9, 2015, that the letters your received in the mail about the denial of the APR change weresent in error.I have reviewed your My BJ's Perks MastercardB account and on May 22, 2015, you spokewith a supervisor who advised you that we are unable to change your interest rate to 11.74%due to our banks change in terms not being sentThe supervisor did apply a credit in theamount of $to offset the amount of finance charges you have assessed on your account.At this time we are still unable to lower your APR to 11.74%, and your APR will remain at24.99%.We hope this information is helpful and apologize for any frustration you experienced regardingthis matter- Should you have any further questions, please contact me at ###-###-####, ext.*** (TDD/TTY ###-###-####)will be happy to assist you.Sincerely,Kristina W***
Dear Ms***:We received your complaint, addressed to the Revdex.com, regarding phone calls youhave been receivingComenity Capital Bank issues various credit card accounts, and we respondto all account-related questionsYour complaint was forwarded to my attention, and I
appreciatethe opportunity to assist you.We understand from your complaint that you have been receiving several calls from differentphone numbers soliciting credit cardsYou state that you have contacted the Bank to have thecalls stop; however, you continue to receive calls.The telephone calls placed to the telephone number ending in were attempts by the Bankto contact one of our customers regarding a business matterThe Bank has honored your requestto cease all phone calls to the telephone number ending in 1265, regarding the matter unrelatedto you.If you are receiving phone calls from the Bank at a different telephone number, regarding a matternot related to you, please do not hesitate to contact us directly.Please accept our apology for any inconvenience you may have experienced regarding thissituationIf you have any questions or concerns, please feel free to contact me at 1-800-675-5685, ext*** (TDDTTTY 1-888-9-918)would be happy to assist you.Sincerely,Rosa M***Consumer Relations SpecialistCC: Revdex.com
Dear *** ***:We received your letter, submitted to the Revdex.com, regarding the above-notedaccountComenity Bank issues Victoria's SecretPlNK credit cards, and we are here to helpanswer your account-related questionsI appreciate the opportunity to assist you.We understand from
your complaint that you received a Secret Rewards card from Victoria'sSecret and placed an order via the catalogueAt the time of purchase, a Victoria's SecretPINKcredit card account was opened for you, which you want to keepHowever, you state that youwere unaware that the purchase would be charged to the Victoria's SecretPlNK account, as theSecret Reward was for $You state that no statements were received, and as a resultthe account was assessed Bank feesYou are asking the Bank to remove the fees and thecharge from the account, although you would still like to keep the items you have.Please note that the Victoria's Secret credit card account and Secret Rewards are two separateitemsVictoria's Secret handles matters related to the Secret Rewards Campaign, whileComenity Bank handles matters related to the credit card account.During the spring of 2015, Victoria's Secret ran a Secret Rewards CampaignDuring this time,customers were eligible to earn a Secret Reward by making a purchase.Bank records indicate that you opened the Victoria's SecretPlNK credit card account whencalling the catalogue to place the order on April 3, The account was established with a$credit limitThe purchase of $was made and charged to the credit card accounton April 5, 2015.Comenity Bank mailed the monthly statement(s) for the purchase to the address listed at the topof this letterUnfortunately, payment was not received for the May or June due dates, andthe account was assessed late fees and finance charges.Please be assured that we have issued credits totaling $to refund the late fees andfinance chargesAdditionally, we removed the 30-day delinquency that reported to the creditbureaus for June Please allow the national credit-reporting agencies days to updatetheir records.As these credits have been applied, the balance for the purchase of $remains on theaccountWe are unwilling to issue credit for this amount as you charged this to the credit cardaccountIf you can supply the Bank with a photocopy of the Secret Rewards, which indicatesthe amount you were awarded, we will be happy to update our records and process a creditadjustment for the purchaseYou may fax a copy to my attention to ###-###-####, or youmay mail a copy to the address listed above.Additionally, I have updated your account and suppressed the finance charges and paymentthat was due by July 3, 2015, so that you are not penalizedThe next billing statement willgenerate on July 8, 2015, and payment for the purchase will be due on August 3, If wehave not received the Secret Rewards copy from you, we will assume that you agree to pay forthe purchaseIf payment is not received by the August due date, the account will be assesseda late fee and a finance chargeThe Bank would be unwilling to credit any additional fees.As you wish to keep the account open, the account remains activeEnclosed are the previousbilling statements for your records.We appreciate you being a loyal customer of the Victoria's SecretPlNK brand, and we hope thisinformation is helpfulShould you have any further questions or concerns, please do nothesitate to contact me at ###-###-#### (TDD/TTY ###-###-####)I will behappy to assist you.Sincerely,*** ***Consumer Relations Specialist
Dear *** ***: We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit card accounts, and we are here to help answer your account-related questions and concernsYour complaint
was forwarded to my attention, and I appreciate the opportunity to assist you. We understand that you called the Bank to request a late fee removal and the service you received from our associate was less than satisfactoryYou ask that the Bank look into this telephone call for training purposes and you have requested we remove the late fee from your account. Bank records indicate that the address listed on your account is different from what you have provided in your complaintIf this information should be updated, please contact our Customer Care team, toll free, at ###-###-####. A billing statement was mailed to you on March 15, 2015, and payment of $was due on April 10, 2015. We have no record that the statement was undeliverable by the post officePayment of $was received on April 14, 2015, which was after the payment due dateAs a result, the account was assessed a $late feePer the Bank’s Credit Card Agreement (CCA), if payment is not received, received after the due date, or made for less than the required minimum due, the account is subjected to a late fee charge. In the interest of customer service, we issued credit for $to remove the late feeThe credit will reflect on your next billing statement. Comenity Bank is proud of the excellent service that we give to our customers, and we appreciate hearing from them if they experience any difficultiesWe sincerely apologize that you were not pleased with the service you received when you telephoned the BankWe feel our associates are knowledgeable, friendly, and eager to assist our customersThe situation you described is not a typical example of the services provided by our associates. The telephone call has been reviewed and we are disappointed for the lack of service you received, and how your account concerns were handledPlease be assured that our management team is aware of this situation and they have addressed this with the associate. 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
I am writing to you in reference to my previous telephonic conversationsregarding complains ( previous complaint #: ***) done on Revdex.com officialwebsite against comenity bank’s fraud, harassment, abuse during theconversation.Initially when I called the helpline the representatives theirrepresentatives started shouting at meI was in a shock that what aHighly non-professional customer services helpline with extremely bad/rudetone of voiceOne of the representative told me that their management toldthem to shout at me so that media and people talk about it and they can useme for marketing and publicity stunts by abusing me.On June, the medication box which I bought from DSW store foraround $dollars was being adjusted with my birthday gift card and thetill the month of September paperless bill statement proof which Ihave printed and also attached in the email: [email protected] with a subject attention to Mr***.In the month of October when I called the helpline to check my credit limitcomenity bank employee told me that you got charged a late fee of $24dollars on $I said why when it was being adjusted with my birthdaygift cardThe representative stated misbehaving and told me that eitherDSW or the bank didn’t adjusted the gift card because of that problem yougot charged late feeI even sent email proofs of $bill balance to DSW /comenity bank as a reply to one of the postal mails.I have confirmed by bill via IVR; the bill was $till the month ofSeptember But in the month of October when I told the csr of comenitybank that as per IVR and my online emails the balance is $and you aresaying that its $which is a late fee (Basically, they were doing a fraudwhich I don’t want to be a part of).Disputed Amount which is actually a fraudulent late fee which comenity bankis charging for this month is : $165.72Kindly, look into this issue and help me in getting rid of this abuse andfraud, identity theft which comenity bank or DSW is doing.DSW told me that they have nothing to do with any of comenity bank’s fraudthat they are doing and we don’t want to be a part of that fraudWe didn’tgave them the permission if they are trying to convey any indirectfraudulent messages.Thanks & Regards
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 understand that you were contacted
by the Bank to collect on a past due debt, and you advised the representative that you were going through a financial hardship and were unable to payYou state that the associate became nasty, started yelling, and demanded payment over the phoneYou are very upset to be harassed in that manner, and find it suspicious to be contacted from a private numberYou request to not receive any further harassing calls. We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Calls are no longer being placed to the telephone numbers we currently have on the account, as we have marked those numbers with “Do Not Call” instructions. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reportingMany times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current statusWe understand customers may experience difficulty making their payments due to economic factorsYou may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout Program. These programs can provide customers with special terms in order to help bring the account currentIf you are interested in obtaining information on whether you qualify for one of these programs, please call ###-###-####. Additionally, the Bank does not always have full control of the information that is displayed on your caller IDCaller ID information may vary by phone number; for example, your phone service carrier may have limitations on what information is passed through to your caller ID. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards, *** ***