Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Farmers Rewards Visa Signature credit cardWe are here toanswer your questions and assist with your concerns.We understand you applied for a Farmers Rewards Visa
Signature credit card, and were advisedthat the application was likely fraudulent and you would not be approvedYou advise that you didnot have the opportunity to provide further information to support your applicationFurthermore,you feel that your application was not properly consideredYou are requesting to have the hardinquiry removed from your credit report.When reviewing credit, we take certain credit indicators into consideration and a numerical valueis assigned to the various itemsUnfortunately, we are unable to provide you with a FarmersRewards Visa Signature credit card account because your information did not score a sufficientnumber of points for approvalThe most significant indicators that determined your score wereindicated on the initial letter you received, please find a copy enclosed for your review.If you feel your credit history information is inaccurate, we encourage you to contact Experian atthe address shown belowThey will be able to provide you answers about your credit history andhow to correct any inaccuracies.Experian (TRW)PO Box 2002Allen, TX 75013-0036###-###-####www.experian.comAs the application was initially submitted by you for review and credit determination, we areunwilling to remove the inquiry from your credit report.I 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 your additional complaint, addressed to the Revdex.com, regarding theabove-noted accountComenity Bank issues The Sportsman's Guide Buyer's ClubTMAdvantage Rewards Visa@ accounts and we respond to all account-related questionsYourcomplaint was forwarded to my attention, and I appreciate this opportunity to assist you.Your complaint indicates that you are still unable to log into our Account Center website, also,you state that you called Comenity Bank and made a payment in the amount of $and theletter you received states that we have not received a payment from you.Please be assured that we have received your payment in the amount of $on January 20,2016, when the initial response was sent to you, our system was still not showing the paymentthat was being processed by our Payment Solutions team.As of the date of this letter, Bank records indicate that your remaining account balance is$136.70.Additionally, for assistance with getting logged into our Account Center website, please contactour Customer Service department at ###-###-#### to be walked through the process; theywill be happy to assist you.Should you have any additional questions or concerns, please do not hesitate to contact medirectly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy toassist you.Sincerely,Rosa M***
Comenity Bank has received your correspondence, submitted to the Revdex.com,regarding the above-referenced accountComenity Bank issues the POTTERY BARN creditcardsWe are here to answer your questions and assist with your concerns.We understand your concerns regarding the purchase
that you made during the double pointsevent, and that you did not get credit for the double points which you believe is unethicalYoustate that the certificate and/or points that have been issued have expired, and that your situationhas been left unresolvedYou are asking the Bank to add points to your account, orpreferably, to give you $as you want nothing more to do with the credit card account.I have reviewed your account and I am happy to share my findings.Bank records indicate that you purchased a sofa, in the amount of $2,401.08, on May 16, 2016.However, the purchase was not charged to your account until June 14, A purchase cannotbe charged to your account until it has been shippedAs the purchase was not charged to theaccount during the order date, your account was awarded with the regular points of 2,points.On June 21, 2016, a $certificate was issued to you and does not expire until December18, Additionally, please be advised that points expire after months and the certificatesissued expire after days.Furthermore, I researched your previous disputes with the BankYou filed a telephone disputewith the Bank on June 22, Unfortunately, you were sent an incorrect letterWe apologizethat you were referred to the catalog for the specific purchase details and assure you that wehave taken immediate action to coach our associateOn September 12, 2016, an additionaltelephone dispute was filed, in which you indicated you were overcharged by $Aresponse letter, dated November 9, 2016, was sent to you along with a copy of the sales invoiceIn the interest of customer service, please be assured that I issued a total of 2,points to theaccount for the additional bonus pointsThis will result in another certificate for $225.00, whichwill be issued separately, around January 15, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Shawnda Y
They are telling me that Carson's is not responsible for stolen merchandise neither am INo I didn't stated that I didn't place the order I stated I didn't received the merchandise As of today I will no longer be shopping at Caron's store or any of the store that affiliate with Comenity BankI will not be paying for nothing I do not haveThey are a multi-billion dollar company acting like $companyAs of now they can cancel my credit card I no longer need itI have been go back in forward every sense December with Carson's and Comenity BankHopefully you can help me solve this problem, if not I will be going to the MediaIf I have to I will hire me an attorney and sue both of them
Sincerely your *** ***
May 10, *** *** ***
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* Dear *** ***: We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues EXPRESS credit card accounts, and we are here to help answer account-related questions. I appreciate this opportunity to address your concerns We understand from the complaint that you request the Bank to cease and desist from contacting you. You state the Bank continuously uses a “robo” caller that hangs up. You also state that the representatives do not identify themselves as debt collectorsAdditionally, you state that you receive calls prior to 8:a.mand the “robo” caller will contact you up to six times in a two hour periodIn addition, you state an associate took down the wrong banking information. At this time you request $1,compensation under the FDCPA. With the $1,000.00, you wish to have the credit card paid off and the remainder mailed to you. I am happy to share my findings Per your request a “cease and desist” status has been placed on your account. This cease and desist request will stop all future collection calls, but it will also suspend authorizations for new purchases on your account since we will be unable to contact you. You will continue to receive certain legal communications as permitted by law. Your request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address: *** ***
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*** ** *** When our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successfulPlease be advised that our records indicate the phone number on file, ending in ***, was not contacted prior to 8:a.m The Bank has reviewed the concerns in your complaint, as well as the applicable phone conversations. The payment made via phone with a collection representative on March 22, 2016, for $was returned due to insufficient funds, not due to incorrect banking information being entered Additionally, we respectfully decline your request for $1,Please be advised the account will continue to bill requesting a minimum payment each month until the balance is paid in full, or the account is charged off for non-payment. We hope this information is helpful. Should you have any further questions or concerns regarding this letter, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I would be happy to assist you Sincerely, KaiM*** KaiM*** Consumer Relations Specialist CC: Revdex.com
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me Thank you for the time to review and understand the situation
Regards, *** ***
I need a list of purchases from Avenue store to prove the balance listed Also, I receive statements from the store and I pay from those statements How then, am I paying from the statement and Commenity Bank is taking $from my account each month Plus, I had an account with Avenue prior to the 5/10/date given I went to the store in and was told that my account had been cancelled I had to provide bank information to reinstate my account At the time, I had a purchase of $I'm sure I have paid that amountI did another purchase in June this year for about $ Commenity bank has been taking $from the account since June 2014, plus I have been paying the statements I receive from Avenue That means I have paid Commenity Bank over $2000.00, yet they say it is for AvenueI need to know where my money Commenity Bank takes from my account is going and why I am paying the store? My balance with Avenue seem to change often I would like some answers and to have my money that Commenity Bank is taking to be put back into my account I have attached proof that I am receiving statements
Regards,
*** ***
Good Morning,Per our conversation today April 10, 2017, the customer’s most recent billing statement is being uploaded to the Revdex.com portal as sufficient response to the consumer.Let me know if you have any further questions
January 9,
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RE: *** *** *** *** *** *** ** *** *** *** *** *** ** ***
Dear *** ***:
Comenity Bank has received your correspondence regarding the above-referenced account
Comenity Bank issues the EXPRESS NEXT credit cardWe are here to answer your questions and assist with your concerns
I understand from your complaint that you do not recall enrolling in the Account Assure program, yet you have incurred monthly charges as a result of this enrollmentYou are requesting the program, and all associated charges, be removed from your accountI sincerely apologize for any confusion or inconvenience this matter may have caused you
After a thorough review, Bank records indicate on October 17, 2013, you elected to enroll in an optional debt cancellation program from Account AssureThe fee for Account Assure is based on the outstanding balance on your EXPRESS NEXT account each monthThe monthly fee is $per $of your outstanding balanceIf there is no balance at billing, there is no charge
Please be assured, as of December 30, 2016, your enrollment in the Account Assure program has been cancelled
Comenity Bank has not found any errors; therefore, we are unwilling to waive any Account Assure fees, as they are valid
We hope the information provided is helpfulShould you have any additional questions or concerns regarding this letter, please contact me at ###-###-####I would be happy to assist you
Sincerely, *** *** *** *** *** *** *** *** ***
I reviewed the response made by the business in reference to complaint ID ***, and realize that there isn't anymore that can be done. I appreciate all of your time and attention to my complaint.Regards,
*** *** ***
Dear *** ** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues Ashley Stewart credit card accountsWe are here to answer your questions and assist with your concerns.Your complaint states that you made a payment of $on March
2, 2017; however, when you received your statement, you saw that a late fee was assessed to your accountYou further state that you contacted the Bank to have the late fee waived and you were advised that the late fee could not be removedYou are requesting that the late fee be removedI understand your concerns, and apologize for any confusion or frustration this may have caused you.Please be advised that payments made online must be submitted before 8:p.mEastern Time (ET) for the payment to be credited to your account the same day.Our records indicate that the payment of $you made on March 2, 2017, was made after 8:p.mET.; therefore, the payment was credited to your account the next day.Our records further indicate the Bank issued a credit for a late fee that was previously assessed to your accountComenity Bank has not found any errors on your account and we are unwilling to waive any additional fees, as they are valid.I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W***
Dear *** ***We have received your additional complaint submitted to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues the Express and Pottery Barn credit card accounts, and we are here to help answer your questions I appreciate the opportunity to assist you with your concerns.We understand that you are requesting the aforementioned accounts be closed and removed from your credit report We apologize for any inconvenience this matter has caused you.Please be assured that the accounts are closed, and now that a fraud investigation has been opened, you will no longer receive billing statements.Once the investigation is completed, which can take 60-days, you will receive written communication from the Bank confirming the actions taken by the Bank to resolve this matter.Additionally, please find enclosed a copy of our previous response sent to you on September 4, 2015, which provides more detailed information.I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact our Account Protection team at ###-###-#### (TDD/TTY ###-###-####), and refer to case number *** They will be happy to assist you.Sincerely,KaiM*** *** ***
Dear *** ***We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues ElrylaneHorne credit card accounts, and we are hereto assist you with all account-related questionsI appreciate the opportunity to respond to
yourconcerns.We understand from your complaint that you purchased faux hardwood tiles using yourBrylaneHome credit card, and you returned themYou did not receive acknowledgement thatBrylaneHome received your returns, so you called to ask about the returnsBrylaneHomemade you aware they received two out of three of your returns and they issued two store creditsin the amount of $eachThe credits were later posted to your account along with yourpayment; however, late fees were added to the accountYou would like all fees credited andyour balance to be zero.Please note that Cornenity Bank and BrylaneHorne are two separate entitiesThe Bank isresponsible for addressing questions related to your credit card accountBrylaneHome isresponsible for handling matters related to sales, merchandise processing, returns andshipping.Please be assured, in the interest of customer service, the Bank has issued credit totaling$on April 24, 2015, to remove the remaining balance on the account,You are a valued customer and we hope this information is helpfulShould you have anyfurther questions regarding this letter, please do not hesitate to contact me at ###-###-####,ext*** (TDD/TTY ###-###-####) I would be happy to assist you.Sincerely,*** *** Consumer Relations Specialist
I am rejecting this response because:I can't read their respondsI don't have Office on my computer to open their filesIf they want me to read them, send them through email
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced credit cardaccountComenity Bank issues the Victoria’s Secret Angel credit cardsWe are here to answer yourquestions and assist with your concerns.We understand from your complaint that you are
requesting a late fee credit from your accountThankyou for writing to us regarding your concerns, we apologize for the inconvenience this may havecaused you and we would like to take this time to explain our findings below.Bank records indicate your account billed on January 6, 2017, with a balance of $57.09, and aminimum payment of $due by February 1, As no payment was received by the due date,a late fee and finance charge were assessedA payment of $was received on February 15,2017.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explained in theCredit Card AgreementFurthermore, our records indicate a late fee was waived on October 11, 2016, and as a result youraccount is not eligible for an additional credit at this time.To provide the best customer service possible, we offer multiple ways to make a paymentChoose apayment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off yourpayment in the store so it can be applied to your account on the same dayCheck the back of yourbilling statement to see if in-store payments are available for your account.Online: Online payments submitted before p.mEastern Time (ET) can be credited to your accountsame-dayOnline payments submitted after p.mET will be credited the following day (or on yourfuture scheduled payment date)Please note that it may take up to two business days to complete thefinancial transfer from your personal bank account to your Victoria’s Secret Angel account.Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shelley A***____________________________________________________________________________...⇄ *** ***Comenity Capital Bank has received your correspondence regarding the above-referenced credit cardaccountComenity Capital Bank issues the HSN credit cardsWe are here to answer your questionsand assist with your concerns.We understand from your complaint that you are requesting a late fee credit from your accountThankyou for writing to us regarding your concerns, we apologize for the inconvenience this may havecaused you and we would like to take this time to explain our findings below.Bank records indicate your account billed on January 6, 2017, with a balance of $15.10, and aminimum payment of $due by February 1, As no payment was received by the due date,a late fee and finance charge were assessedA payment of $was received on February 15,2017.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explained in theCredit Card AgreementFurthermore, our records indicate a late fee was waived on October 17, 2016, and as a result youraccount is not eligible for an additional credit at this time.To provide the best customer service possible, we offer multiple ways to make a paymentChoose apayment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off yourpayment in the store so it can be applied to your account on the same dayCheck the back of yourbilling statement to see if in-store payments are available for your account.Online: Online payments submitted before p.mEastern Time (ET) can be credited to your accountsame-dayOnline payments submitted after p.mET will be credited the following day (or on yourfuture scheduled payment date)Please note that it may take up to two business days to complete thefinancial transfer from your personal bank account to your HSN account.Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shelley A***
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues The Buckle credit card accounts, and we are here to help answer account-related questions. I appreciate this opportunity
to address your concerns We understand from your complaint that you made a purchase in store and were advised of several options for alterations; however, once you returned to receive the alterations you were advised The Buckle can only assist with alterations in the length of the jeans. Additionally, you request The Buckle allow the jeans to be accepted as a return and a full refund including applicable finance charges be credited to the account. We apologize for any frustration this matter has caused you. Please note Comenity Bank and The Buckle are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. The Buckle is responsible for handling matters related to sales, merchandise processing, returns and shipping. Bank records indicate the purchase of $250.00 posted to the above-referenced account on July 7, 2015. On July 15, 2015, a statement was issued with a balance of $and a minimum due payment required of $by August 10, A payment of $posted to the account on August 12, 2015. Per the Credit Card Agreement (CCA), included, to avoid paying interest the entire balance is to be paid by the due date each month. As a minimum payment was received, the account was assessed the applicable finance charges. This fee is valid. In the interest of customer service a credit in the amount of $was credited to the account tor the finance charge. We ask that you contact the store in regards to the return you intend to make. We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me directly at ###-###-#### (TDD/TTY ###-###-####) I will be happy to assist you. Sincerely,KaiM*** *** ***
It is only after I filed the complaint with the Revdex.com that I was told by Comenity that the payments in question were applied to my dad's (*** ***'s) account I'm asking Comenity to explain why that specific information about whose account the payments were applied to wasn't communicated to me during the dispute process so that I could have understood the situation and paid the amount due on my mother's account before it was sold to Midland in December I had no idea my dad had an account Because I didn't understand who this other customer was that they referred to in their dispute response to me, I contacted them for further clarification on at least three occasions but received no information My question to Comentiy is: at what point other than filing a Revdex.com complaint, should I have been provided with an answer to my subsequent questions about their dispute response? Had I been provided this information we could have resolved the issue well before the account accrued so much interest and was sold to ***
Dear Ms***: Thank you for contacting the Revdex.com, regarding the above-mentioned account. Comenity Bank issues Marathon credit card accounts, and we are here to help with your account-related questions. Your letter was forwarded to my attention, and I
appreciate this opportunity to address your concerns We understand from your complaint that you have concerns with the telephone calls that were received regarding your account and the credit balance that is reflected on the account After a review of your account, our records indicate that you were receiving telephone calls because the account was showing past due. Please note that the calls that you received were from our Payment Solutions team and that they will contact customers in an effort to bring an account current, if it falls behind. We apologize for the confusion regarding the payment address, that caused your payment to be received late, and we also issued credits for the late fees that were assessed because of this matter As of the date of this letter, the account has a credit balance of $119.80. A check in this amount will arrive to you under separate mailing Please allow days from the date of this letter to receive your refund We hope you find this information helpful. Should you have any further questions, I can be reached directly at 1-800-675-5685, ext*** (TDD/TTY 1-800-695-1788). I will be happy to assist you Sincerely, Justina M*** Consumer Relations Specialist CC: Revdex.com
Dear *** ** ***:
Comenity Bank (Bank), has received your correspondence regarding the above-referenced accountsComenity Bank issues the EXPRESS credit cards, and formerly issued Value City Furniture credit cardsWe are here to answer your questions and assist with your concerns
We
understand from your correspondence you called customer service and asked what the payoff amounts would be, which you were advised was about $2,collectivelyTwo months later, you received notification from the credit bureau that your EXPRESS and Value City Furniture accounts were 30-days past dueYou further state you paid the accounts off and overpaid by $44.16, for which a refund was sentWhen calling in to customer service they were unable to explain why the accounts reflected a balance dueYou are requesting this matter be addressed immediately, with the 30-days late removed from the credit bureau, and that the accounts reflect a zero balanceWe appreciate you contacting us regarding your concerns and would be happy to explain our findings
Please note, the address provided in your correspondence does not match the address we have on file for your EXPRESS account ending in *** Please contact us at the below address, or at ###-###-#### to update the mailing address
Comenity Bank
*** *** *** *** ** ***
On March 9, 2014, your EXPRESS account ending in *** was written off as an unpaid debtDue to a reporting error that we were unable to correct, notification was sent to the credit-reporting agencies to delete the account, in its entirety, from your credit reportHowever, you were still responsible for the balance owed; therefore, a new account was opened and the balance of $1,was transferred to the new accountDuring the transfer, finance charges were credited to your Express account ending in *** for $A refund check of $was generated on October 29, 2016, and has not been cashedYou may contact us using the information above to have the check reissued
On March 15, 2014, your Value City Furniture account ending in was closed and written off as an unpaid debtAlso due to a reporting error, notification was sent to the credit-reporting agencies to delete the account, in its entirety, from your credit reportBecause you were still responsible for the balance owed, a new Value City Furniture account, ending in ***, was opened and the remaining balance of $1,was transferred to the new accountDuring the transfer, finance charges were credited to your Value City Furniture account creating a credit balance of $A refund check was generated, and our records show you cashed this check on December 28,
On September 7, 2016, your EXPRESS billing statement for account ending in ***, generated showing a balance of $924.68, with a minimum payment of $due by October 2, Since payment was not received by this date, a late fee of $was assessed
Bank records show you made a pay by phone through our automated system on October 4, 2016, for $for your EXPRESS accountThis left a remaining balance of $Subsequent billing statements were issued; however, payment was not received for the November and December due dates, and additional fees were assessed, bringing your balance to $as of December 8, Further records show we received returned mail on December 25,
On September 6, 2016, your Value City Furniture billing statement for account ending in ***, generated showing a balance of $1,456.75, with a minimum payment of $due by October 2, Since payment was not received by the due date, a late fee of $and a finance charge of $were assessed to the account
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
On October 4, 2016, you also made a pay by phone through our automated system for $1,on your Value City Furniture (***) account; which left a remaining balance of $Subsequent billing statements were issued; however, payment was not received for the November and December due dates, and additional fees were assessed to the account, bringing the balance to $as of December 7,
Although the Bank finds the Express account balance of $and the Value City Furniture account balance of $to be valid; in the interest of customer service, we are no longer holding you responsible for either amountPlease be assured we have credited the accounts to bring the balances to zero
As a one-time courtesy, we have removed the 30-day delinquency from your credit report in regard to the EXPRESS account ending in ***A review of the information being reported in regard to your Value City Furniture account ending in *** did indicate a discrepancyTo address your concerns, we have notified the credit-reporting agencies of the changes needed to your credit reportPlease allow days for their records to be updated
We apologize for any confusion or inconvenience this matter may have caused you, and hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####
Sincerely, ***
Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Farmers Rewards Visa Signature credit cardWe are here toanswer your questions and assist with your concerns.We understand you applied for a Farmers Rewards Visa
Signature credit card, and were advisedthat the application was likely fraudulent and you would not be approvedYou advise that you didnot have the opportunity to provide further information to support your applicationFurthermore,you feel that your application was not properly consideredYou are requesting to have the hardinquiry removed from your credit report.When reviewing credit, we take certain credit indicators into consideration and a numerical valueis assigned to the various itemsUnfortunately, we are unable to provide you with a FarmersRewards Visa Signature credit card account because your information did not score a sufficientnumber of points for approvalThe most significant indicators that determined your score wereindicated on the initial letter you received, please find a copy enclosed for your review.If you feel your credit history information is inaccurate, we encourage you to contact Experian atthe address shown belowThey will be able to provide you answers about your credit history andhow to correct any inaccuracies.Experian (TRW)PO Box 2002Allen, TX 75013-0036###-###-####www.experian.comAs the application was initially submitted by you for review and credit determination, we areunwilling to remove the inquiry from your credit report.I 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 your additional complaint, addressed to the Revdex.com, regarding theabove-noted accountComenity Bank issues The Sportsman's Guide Buyer's ClubTMAdvantage Rewards Visa@ accounts and we respond to all account-related questionsYourcomplaint was forwarded to my attention, and I appreciate this opportunity to assist you.Your complaint indicates that you are still unable to log into our Account Center website, also,you state that you called Comenity Bank and made a payment in the amount of $and theletter you received states that we have not received a payment from you.Please be assured that we have received your payment in the amount of $on January 20,2016, when the initial response was sent to you, our system was still not showing the paymentthat was being processed by our Payment Solutions team.As of the date of this letter, Bank records indicate that your remaining account balance is$136.70.Additionally, for assistance with getting logged into our Account Center website, please contactour Customer Service department at ###-###-#### to be walked through the process; theywill be happy to assist you.Should you have any additional questions or concerns, please do not hesitate to contact medirectly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy toassist you.Sincerely,Rosa M***
Comenity Bank has received your correspondence, submitted to the Revdex.com,regarding the above-referenced accountComenity Bank issues the POTTERY BARN creditcardsWe are here to answer your questions and assist with your concerns.We understand your concerns regarding the purchase
that you made during the double pointsevent, and that you did not get credit for the double points which you believe is unethicalYoustate that the certificate and/or points that have been issued have expired, and that your situationhas been left unresolvedYou are asking the Bank to add points to your account, orpreferably, to give you $as you want nothing more to do with the credit card account.I have reviewed your account and I am happy to share my findings.Bank records indicate that you purchased a sofa, in the amount of $2,401.08, on May 16, 2016.However, the purchase was not charged to your account until June 14, A purchase cannotbe charged to your account until it has been shippedAs the purchase was not charged to theaccount during the order date, your account was awarded with the regular points of 2,points.On June 21, 2016, a $certificate was issued to you and does not expire until December18, Additionally, please be advised that points expire after months and the certificatesissued expire after days.Furthermore, I researched your previous disputes with the BankYou filed a telephone disputewith the Bank on June 22, Unfortunately, you were sent an incorrect letterWe apologizethat you were referred to the catalog for the specific purchase details and assure you that wehave taken immediate action to coach our associateOn September 12, 2016, an additionaltelephone dispute was filed, in which you indicated you were overcharged by $Aresponse letter, dated November 9, 2016, was sent to you along with a copy of the sales invoiceIn the interest of customer service, please be assured that I issued a total of 2,points to theaccount for the additional bonus pointsThis will result in another certificate for $225.00, whichwill be issued separately, around January 15, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Shawnda Y
They are telling me that Carson's is not responsible for stolen merchandise neither am INo I didn't stated that I didn't place the order I stated I didn't received the merchandise As of today I will no longer be shopping at Caron's store or any of the store that affiliate with Comenity BankI will not be paying for nothing I do not haveThey are a multi-billion dollar company acting like $companyAs of now they can cancel my credit card I no longer need itI have been go back in forward every sense December with Carson's and Comenity BankHopefully you can help me solve this problem, if not I will be going to the MediaIf I have to I will hire me an attorney and sue both of them
Sincerely your *** ***
May 10, *** *** ***
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* Dear *** ***: We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues EXPRESS credit card accounts, and we are here to help answer account-related questions. I appreciate this opportunity to address your concerns We understand from the complaint that you request the Bank to cease and desist from contacting you. You state the Bank continuously uses a “robo” caller that hangs up. You also state that the representatives do not identify themselves as debt collectorsAdditionally, you state that you receive calls prior to 8:a.mand the “robo” caller will contact you up to six times in a two hour periodIn addition, you state an associate took down the wrong banking information. At this time you request $1,compensation under the FDCPA. With the $1,000.00, you wish to have the credit card paid off and the remainder mailed to you. I am happy to share my findings Per your request a “cease and desist” status has been placed on your account. This cease and desist request will stop all future collection calls, but it will also suspend authorizations for new purchases on your account since we will be unable to contact you. You will continue to receive certain legal communications as permitted by law. Your request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address: *** ***
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*** ** *** When our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successfulPlease be advised that our records indicate the phone number on file, ending in ***, was not contacted prior to 8:a.m The Bank has reviewed the concerns in your complaint, as well as the applicable phone conversations. The payment made via phone with a collection representative on March 22, 2016, for $was returned due to insufficient funds, not due to incorrect banking information being entered Additionally, we respectfully decline your request for $1,Please be advised the account will continue to bill requesting a minimum payment each month until the balance is paid in full, or the account is charged off for non-payment. We hope this information is helpful. Should you have any further questions or concerns regarding this letter, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I would be happy to assist you Sincerely, KaiM*** KaiM*** Consumer Relations Specialist CC: Revdex.com
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me Thank you for the time to review and understand the situation
Regards, *** ***
I need a list of purchases from Avenue store to prove the balance listed Also, I receive statements from the store and I pay from those statements How then, am I paying from the statement and Commenity Bank is taking $from my account each month Plus, I had an account with Avenue prior to the 5/10/date given I went to the store in and was told that my account had been cancelled I had to provide bank information to reinstate my account At the time, I had a purchase of $I'm sure I have paid that amountI did another purchase in June this year for about $ Commenity bank has been taking $from the account since June 2014, plus I have been paying the statements I receive from Avenue That means I have paid Commenity Bank over $2000.00, yet they say it is for AvenueI need to know where my money Commenity Bank takes from my account is going and why I am paying the store? My balance with Avenue seem to change often I would like some answers and to have my money that Commenity Bank is taking to be put back into my account I have attached proof that I am receiving statements
Regards,
*** ***
Good Morning,Per our conversation today April 10, 2017, the customer’s most recent billing statement is being uploaded to the Revdex.com portal as sufficient response to the consumer.Let me know if you have any further questions
January 9,
*** *** *** *** *** *** ** ***
RE: *** *** *** *** *** *** ** *** *** *** *** *** ** ***
Dear *** ***:
Comenity Bank has received your correspondence regarding the above-referenced account
Comenity Bank issues the EXPRESS NEXT credit cardWe are here to answer your questions and assist with your concerns
I understand from your complaint that you do not recall enrolling in the Account Assure program, yet you have incurred monthly charges as a result of this enrollmentYou are requesting the program, and all associated charges, be removed from your accountI sincerely apologize for any confusion or inconvenience this matter may have caused you
After a thorough review, Bank records indicate on October 17, 2013, you elected to enroll in an optional debt cancellation program from Account AssureThe fee for Account Assure is based on the outstanding balance on your EXPRESS NEXT account each monthThe monthly fee is $per $of your outstanding balanceIf there is no balance at billing, there is no charge
Please be assured, as of December 30, 2016, your enrollment in the Account Assure program has been cancelled
Comenity Bank has not found any errors; therefore, we are unwilling to waive any Account Assure fees, as they are valid
We hope the information provided is helpfulShould you have any additional questions or concerns regarding this letter, please contact me at ###-###-####I would be happy to assist you
Sincerely, *** *** *** *** *** *** *** *** ***
I reviewed the response made by the business in reference to complaint ID ***, and realize that there isn't anymore that can be done. I appreciate all of your time and attention to my complaint.Regards,
*** *** ***
I HAVE NEVER HAD A CREDIT CARD OR ANYTHING WITH THIS COMPANY BUT A INQUIRE ON MY CREDIT REPORT
Regards, *** ***
Dear *** ** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues Ashley Stewart credit card accountsWe are here to answer your questions and assist with your concerns.Your complaint states that you made a payment of $on March
2, 2017; however, when you received your statement, you saw that a late fee was assessed to your accountYou further state that you contacted the Bank to have the late fee waived and you were advised that the late fee could not be removedYou are requesting that the late fee be removedI understand your concerns, and apologize for any confusion or frustration this may have caused you.Please be advised that payments made online must be submitted before 8:p.mEastern Time (ET) for the payment to be credited to your account the same day.Our records indicate that the payment of $you made on March 2, 2017, was made after 8:p.mET.; therefore, the payment was credited to your account the next day.Our records further indicate the Bank issued a credit for a late fee that was previously assessed to your accountComenity Bank has not found any errors on your account and we are unwilling to waive any additional fees, as they are valid.I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W***
Dear *** ***We have received your additional complaint submitted to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues the Express and Pottery Barn credit card accounts, and we are here to help answer your questions I appreciate the opportunity to assist you with your concerns.We understand that you are requesting the aforementioned accounts be closed and removed from your credit report We apologize for any inconvenience this matter has caused you.Please be assured that the accounts are closed, and now that a fraud investigation has been opened, you will no longer receive billing statements.Once the investigation is completed, which can take 60-days, you will receive written communication from the Bank confirming the actions taken by the Bank to resolve this matter.Additionally, please find enclosed a copy of our previous response sent to you on September 4, 2015, which provides more detailed information.I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact our Account Protection team at ###-###-#### (TDD/TTY ###-###-####), and refer to case number *** They will be happy to assist you.Sincerely,KaiM*** *** ***
Dear *** ***We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues ElrylaneHorne credit card accounts, and we are hereto assist you with all account-related questionsI appreciate the opportunity to respond to
yourconcerns.We understand from your complaint that you purchased faux hardwood tiles using yourBrylaneHome credit card, and you returned themYou did not receive acknowledgement thatBrylaneHome received your returns, so you called to ask about the returnsBrylaneHomemade you aware they received two out of three of your returns and they issued two store creditsin the amount of $eachThe credits were later posted to your account along with yourpayment; however, late fees were added to the accountYou would like all fees credited andyour balance to be zero.Please note that Cornenity Bank and BrylaneHorne are two separate entitiesThe Bank isresponsible for addressing questions related to your credit card accountBrylaneHome isresponsible for handling matters related to sales, merchandise processing, returns andshipping.Please be assured, in the interest of customer service, the Bank has issued credit totaling$on April 24, 2015, to remove the remaining balance on the account,You are a valued customer and we hope this information is helpfulShould you have anyfurther questions regarding this letter, please do not hesitate to contact me at ###-###-####,ext*** (TDD/TTY ###-###-####) I would be happy to assist you.Sincerely,*** *** Consumer Relations Specialist
I am rejecting this response because:I can't read their respondsI don't have Office on my computer to open their filesIf they want me to read them, send them through email
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced credit cardaccountComenity Bank issues the Victoria’s Secret Angel credit cardsWe are here to answer yourquestions and assist with your concerns.We understand from your complaint that you are
requesting a late fee credit from your accountThankyou for writing to us regarding your concerns, we apologize for the inconvenience this may havecaused you and we would like to take this time to explain our findings below.Bank records indicate your account billed on January 6, 2017, with a balance of $57.09, and aminimum payment of $due by February 1, As no payment was received by the due date,a late fee and finance charge were assessedA payment of $was received on February 15,2017.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explained in theCredit Card AgreementFurthermore, our records indicate a late fee was waived on October 11, 2016, and as a result youraccount is not eligible for an additional credit at this time.To provide the best customer service possible, we offer multiple ways to make a paymentChoose apayment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off yourpayment in the store so it can be applied to your account on the same dayCheck the back of yourbilling statement to see if in-store payments are available for your account.Online: Online payments submitted before p.mEastern Time (ET) can be credited to your accountsame-dayOnline payments submitted after p.mET will be credited the following day (or on yourfuture scheduled payment date)Please note that it may take up to two business days to complete thefinancial transfer from your personal bank account to your Victoria’s Secret Angel account.Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shelley A***____________________________________________________________________________...⇄ *** ***Comenity Capital Bank has received your correspondence regarding the above-referenced credit cardaccountComenity Capital Bank issues the HSN credit cardsWe are here to answer your questionsand assist with your concerns.We understand from your complaint that you are requesting a late fee credit from your accountThankyou for writing to us regarding your concerns, we apologize for the inconvenience this may havecaused you and we would like to take this time to explain our findings below.Bank records indicate your account billed on January 6, 2017, with a balance of $15.10, and aminimum payment of $due by February 1, As no payment was received by the due date,a late fee and finance charge were assessedA payment of $was received on February 15,2017.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explained in theCredit Card AgreementFurthermore, our records indicate a late fee was waived on October 17, 2016, and as a result youraccount is not eligible for an additional credit at this time.To provide the best customer service possible, we offer multiple ways to make a paymentChoose apayment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off yourpayment in the store so it can be applied to your account on the same dayCheck the back of yourbilling statement to see if in-store payments are available for your account.Online: Online payments submitted before p.mEastern Time (ET) can be credited to your accountsame-dayOnline payments submitted after p.mET will be credited the following day (or on yourfuture scheduled payment date)Please note that it may take up to two business days to complete thefinancial transfer from your personal bank account to your HSN account.Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shelley A***
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues The Buckle credit card accounts, and we are here to help answer account-related questions. I appreciate this opportunity
to address your concerns We understand from your complaint that you made a purchase in store and were advised of several options for alterations; however, once you returned to receive the alterations you were advised The Buckle can only assist with alterations in the length of the jeans. Additionally, you request The Buckle allow the jeans to be accepted as a return and a full refund including applicable finance charges be credited to the account. We apologize for any frustration this matter has caused you. Please note Comenity Bank and The Buckle are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. The Buckle is responsible for handling matters related to sales, merchandise processing, returns and shipping. Bank records indicate the purchase of $250.00 posted to the above-referenced account on July 7, 2015. On July 15, 2015, a statement was issued with a balance of $and a minimum due payment required of $by August 10, A payment of $posted to the account on August 12, 2015. Per the Credit Card Agreement (CCA), included, to avoid paying interest the entire balance is to be paid by the due date each month. As a minimum payment was received, the account was assessed the applicable finance charges. This fee is valid. In the interest of customer service a credit in the amount of $was credited to the account tor the finance charge. We ask that you contact the store in regards to the return you intend to make. We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me directly at ###-###-#### (TDD/TTY ###-###-####) I will be happy to assist you. Sincerely,KaiM*** *** ***
It is only after I filed the complaint with the Revdex.com that I was told by Comenity that the payments in question were applied to my dad's (*** ***'s) account I'm asking Comenity to explain why that specific information about whose account the payments were applied to wasn't communicated to me during the dispute process so that I could have understood the situation and paid the amount due on my mother's account before it was sold to Midland in December I had no idea my dad had an account Because I didn't understand who this other customer was that they referred to in their dispute response to me, I contacted them for further clarification on at least three occasions but received no information My question to Comentiy is: at what point other than filing a Revdex.com complaint, should I have been provided with an answer to my subsequent questions about their dispute response? Had I been provided this information we could have resolved the issue well before the account accrued so much interest and was sold to ***
Dear Ms***: Thank you for contacting the Revdex.com, regarding the above-mentioned account. Comenity Bank issues Marathon credit card accounts, and we are here to help with your account-related questions. Your letter was forwarded to my attention, and I
appreciate this opportunity to address your concerns We understand from your complaint that you have concerns with the telephone calls that were received regarding your account and the credit balance that is reflected on the account After a review of your account, our records indicate that you were receiving telephone calls because the account was showing past due. Please note that the calls that you received were from our Payment Solutions team and that they will contact customers in an effort to bring an account current, if it falls behind. We apologize for the confusion regarding the payment address, that caused your payment to be received late, and we also issued credits for the late fees that were assessed because of this matter As of the date of this letter, the account has a credit balance of $119.80. A check in this amount will arrive to you under separate mailing Please allow days from the date of this letter to receive your refund We hope you find this information helpful. Should you have any further questions, I can be reached directly at 1-800-675-5685, ext*** (TDD/TTY 1-800-695-1788). I will be happy to assist you Sincerely, Justina M*** Consumer Relations Specialist CC: Revdex.com
Dear *** ** ***:
Comenity Bank (Bank), has received your correspondence regarding the above-referenced accountsComenity Bank issues the EXPRESS credit cards, and formerly issued Value City Furniture credit cardsWe are here to answer your questions and assist with your concerns
We
understand from your correspondence you called customer service and asked what the payoff amounts would be, which you were advised was about $2,collectivelyTwo months later, you received notification from the credit bureau that your EXPRESS and Value City Furniture accounts were 30-days past dueYou further state you paid the accounts off and overpaid by $44.16, for which a refund was sentWhen calling in to customer service they were unable to explain why the accounts reflected a balance dueYou are requesting this matter be addressed immediately, with the 30-days late removed from the credit bureau, and that the accounts reflect a zero balanceWe appreciate you contacting us regarding your concerns and would be happy to explain our findings
Please note, the address provided in your correspondence does not match the address we have on file for your EXPRESS account ending in *** Please contact us at the below address, or at ###-###-#### to update the mailing address
Comenity Bank
*** *** *** *** ** ***
On March 9, 2014, your EXPRESS account ending in *** was written off as an unpaid debtDue to a reporting error that we were unable to correct, notification was sent to the credit-reporting agencies to delete the account, in its entirety, from your credit reportHowever, you were still responsible for the balance owed; therefore, a new account was opened and the balance of $1,was transferred to the new accountDuring the transfer, finance charges were credited to your Express account ending in *** for $A refund check of $was generated on October 29, 2016, and has not been cashedYou may contact us using the information above to have the check reissued
On March 15, 2014, your Value City Furniture account ending in was closed and written off as an unpaid debtAlso due to a reporting error, notification was sent to the credit-reporting agencies to delete the account, in its entirety, from your credit reportBecause you were still responsible for the balance owed, a new Value City Furniture account, ending in ***, was opened and the remaining balance of $1,was transferred to the new accountDuring the transfer, finance charges were credited to your Value City Furniture account creating a credit balance of $A refund check was generated, and our records show you cashed this check on December 28,
On September 7, 2016, your EXPRESS billing statement for account ending in ***, generated showing a balance of $924.68, with a minimum payment of $due by October 2, Since payment was not received by this date, a late fee of $was assessed
Bank records show you made a pay by phone through our automated system on October 4, 2016, for $for your EXPRESS accountThis left a remaining balance of $Subsequent billing statements were issued; however, payment was not received for the November and December due dates, and additional fees were assessed, bringing your balance to $as of December 8, Further records show we received returned mail on December 25,
On September 6, 2016, your Value City Furniture billing statement for account ending in ***, generated showing a balance of $1,456.75, with a minimum payment of $due by October 2, Since payment was not received by the due date, a late fee of $and a finance charge of $were assessed to the account
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
On October 4, 2016, you also made a pay by phone through our automated system for $1,on your Value City Furniture (***) account; which left a remaining balance of $Subsequent billing statements were issued; however, payment was not received for the November and December due dates, and additional fees were assessed to the account, bringing the balance to $as of December 7,
Although the Bank finds the Express account balance of $and the Value City Furniture account balance of $to be valid; in the interest of customer service, we are no longer holding you responsible for either amountPlease be assured we have credited the accounts to bring the balances to zero
As a one-time courtesy, we have removed the 30-day delinquency from your credit report in regard to the EXPRESS account ending in ***A review of the information being reported in regard to your Value City Furniture account ending in *** did indicate a discrepancyTo address your concerns, we have notified the credit-reporting agencies of the changes needed to your credit reportPlease allow days for their records to be updated
We apologize for any confusion or inconvenience this matter may have caused you, and hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####
Sincerely, ***