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***
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 *** ** ***:
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, ***
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
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Chadwicks credit card accounts, and we are here to answer all of your account-related questions. Your complaint was forwarded
to my attention for review, and I appreciate this opportunity to assist you. I understand your concerns regarding the late fees that have been charged to your account, due to not receiving your billing statements. You are requesting the late charges be removed from your account. Additionally, you express concern regarding the reduction in your credit limit from $to $We apologize for any frustration or inconvenience this matter may have caused you Your account was registered through our online Account Center on November 24, 2012, which provides accountholders the ability to view statements and make payments onlineOn the same date, you chose paperless statements, meaning you will receive your statements online versus postal mailWhen enrolled in paperless statements, we will send you a monthly Statement-Ready Email (SRE), notifying the statement is available to be viewed Please be advised we have no record of emails being returned as undeliverable from the email address you provided Bank records indicate a SRE was sent on July 2016, advising your statement was available to view. The statement indicated a balance of $113.85, and a minimum payment of $32.00, due by August 17, 2016. Please be advised, the due date on your account is the 17th of every month. Additional billing statements were issued on August 22, 2016, September 21, 2016, and October 22, 2016; however, no payments were received by the specified due dateKeep 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. Enclosed please find copies of the billing statements for your records As a courtesy, and in the interest of customer service, we have credited the remaining balance of $178.91. Additionally, your credit limit has been reinstated to $ Please be assured notification was sent to the credit-reporting agencies with instructions to remove the delinquencies that were reported as a result of this matter. Please allow days for this information to be updated I hope the information I provided is helpful. Should you have any further questions or concerns about the account, please contact me at ###-###-####. I would be happy to assist you. Sincerely, Kristina W***
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***
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
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,
*** *** ***
May 10, *** *** ***
*** *** *** ***
** *** ** ***
*
*** *** *** *** *** *** ** ***
*** *** *** *** ***
***
* 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: *** ***
*** *** ***
*** ** *** 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, *** ***
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*** *** ***
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 *** ***
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, *** *** *** *** *** *** *** *** ***
Thank you for contacting Comenity Bank regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint, submitted to the Revdex.com, was forwarded to my attention for
review, and I appreciate the opportunity to assist you. We understand that you opened the Victoria’s Secret/PINK account with the understanding that there would be no hard credit inquiry placed on your credit fileOnce the account was opened, you became aware that a hard inquiry was in fact placed on your credit file and you have requested that the account and hard inquiry are deleted from the credit bureausWe reviewed the account and we sincerely apologize for the frustration and inconvenience you have experienced as a result of this situation. Bank records indicate that the Victoria’s Secret/PINK account was closed and updated with a “Do Not Report to Bureau” status on September 2, Additionally, after checking the credit bureaus, we can confirm that the account is no longer reporting on your credit file. Furthermore, to ensure the inquiry is deleted, we sent notification to the national credit-reporting agencies with instructions to delete the credit inquiry that was created on August 22, 2015, as a result of the applicationPlease allow the credit-reporting agencies days to update their records. Again, we sincerely apologize for the inconvenience you experienced, and we hope that you will continue shopping at Victoria’s SecretIf you have further questions or concerns, please contact me at ###-###-####, ext*** *** ***)I will be happy to assist you. Sincerely, Shawnda Y***
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
Dear *** ***,Thank you for passing along *** ***’s communicationWe reached out to her via email and provided an explanation. We understand Ms*** contacted Comenity Bank and was advised she could continue using her deceased husband’s accountHer daughter incorrectly made a
payment to the accountMs*** was advised to fax a copy of her ID, the account number, and a bill with her name and address to have the account transferred to her nameOnce this was complete, a refund for the incorrect payment would be issuedMs*** is requesting to receive her refund. FullBeauty Brands (d/b/a Roaman’s) cannot assist Ms*** with her requests concerning the Roaman’s credit card; Comenity Bank is the issuer of this credit cardFullBeauty Brands (d/b/a Roaman’s) does not have the ability to accept payment, cancel a card, change the name on an account, nor does it have the ability to make changes to a customer's credit report.We ask that Ms*** and your office work directly with Comenity Bank if she needs further assistance with this matter.Comenity's Contact information is as follows:Comenity BankPO Box 182273Columbus, OH 4321822731-866-776-9859We thank Ms*** for taking the time to inquire and trust that we provided the information required to resolve this matterPlease feel free to let me know if you have any other questions.Sincerely,
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,
*** ***
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 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***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
Regards,
*** ***
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 *** ** ***:
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, ***
I HAVE NEVER HAD A CREDIT CARD OR ANYTHING WITH THIS COMPANY BUT A INQUIRE ON MY CREDIT REPORT
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
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Chadwicks credit card accounts, and we are here to answer all of your account-related questions. Your complaint was forwarded
to my attention for review, and I appreciate this opportunity to assist you. I understand your concerns regarding the late fees that have been charged to your account, due to not receiving your billing statements. You are requesting the late charges be removed from your account. Additionally, you express concern regarding the reduction in your credit limit from $to $We apologize for any frustration or inconvenience this matter may have caused you Your account was registered through our online Account Center on November 24, 2012, which provides accountholders the ability to view statements and make payments onlineOn the same date, you chose paperless statements, meaning you will receive your statements online versus postal mailWhen enrolled in paperless statements, we will send you a monthly Statement-Ready Email (SRE), notifying the statement is available to be viewed Please be advised we have no record of emails being returned as undeliverable from the email address you provided Bank records indicate a SRE was sent on July 2016, advising your statement was available to view. The statement indicated a balance of $113.85, and a minimum payment of $32.00, due by August 17, 2016. Please be advised, the due date on your account is the 17th of every month. Additional billing statements were issued on August 22, 2016, September 21, 2016, and October 22, 2016; however, no payments were received by the specified due dateKeep 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. Enclosed please find copies of the billing statements for your records As a courtesy, and in the interest of customer service, we have credited the remaining balance of $178.91. Additionally, your credit limit has been reinstated to $ Please be assured notification was sent to the credit-reporting agencies with instructions to remove the delinquencies that were reported as a result of this matter. Please allow days for this information to be updated I hope the information I provided is helpful. Should you have any further questions or concerns about the account, please contact me at ###-###-####. I would be happy to assist you. Sincerely, Kristina W***
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***
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
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,
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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, *** ***
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*** *** ***
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 *** ***
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, *** *** *** *** *** *** *** *** ***
Thank you for contacting Comenity Bank regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint, submitted to the Revdex.com, was forwarded to my attention for
review, and I appreciate the opportunity to assist you. We understand that you opened the Victoria’s Secret/PINK account with the understanding that there would be no hard credit inquiry placed on your credit fileOnce the account was opened, you became aware that a hard inquiry was in fact placed on your credit file and you have requested that the account and hard inquiry are deleted from the credit bureausWe reviewed the account and we sincerely apologize for the frustration and inconvenience you have experienced as a result of this situation. Bank records indicate that the Victoria’s Secret/PINK account was closed and updated with a “Do Not Report to Bureau” status on September 2, Additionally, after checking the credit bureaus, we can confirm that the account is no longer reporting on your credit file. Furthermore, to ensure the inquiry is deleted, we sent notification to the national credit-reporting agencies with instructions to delete the credit inquiry that was created on August 22, 2015, as a result of the applicationPlease allow the credit-reporting agencies days to update their records. Again, we sincerely apologize for the inconvenience you experienced, and we hope that you will continue shopping at Victoria’s SecretIf you have further questions or concerns, please contact me at ###-###-####, ext*** *** ***)I will be happy to assist you. Sincerely, Shawnda Y***
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
Dear *** ***,Thank you for passing along *** ***’s communicationWe reached out to her via email and provided an explanation. We understand Ms*** contacted Comenity Bank and was advised she could continue using her deceased husband’s accountHer daughter incorrectly made a
payment to the accountMs*** was advised to fax a copy of her ID, the account number, and a bill with her name and address to have the account transferred to her nameOnce this was complete, a refund for the incorrect payment would be issuedMs*** is requesting to receive her refund. FullBeauty Brands (d/b/a Roaman’s) cannot assist Ms*** with her requests concerning the Roaman’s credit card; Comenity Bank is the issuer of this credit cardFullBeauty Brands (d/b/a Roaman’s) does not have the ability to accept payment, cancel a card, change the name on an account, nor does it have the ability to make changes to a customer's credit report.We ask that Ms*** and your office work directly with Comenity Bank if she needs further assistance with this matter.Comenity's Contact information is as follows:Comenity BankPO Box 182273Columbus, OH 4321822731-866-776-9859We thank Ms*** for taking the time to inquire and trust that we provided the information required to resolve this matterPlease feel free to let me know if you have any other questions.Sincerely,
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,
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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 ***