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 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 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*** *** ***
I did make a payment to the company, however, I did so to begin the attempt in resolving my dealing with them, but, as I mentioned in my coplaint, they are not to be some body that you close both eyes and know it's good.Thank you very much for your help
Regards,
*** ***
Dear Ms***: We received your complaint, addressed to the Revdex.com, regarding the above-referenced credit card accountComenity Bank issues NEW YORK & COMPANY credit card accounts, and we are here to assist you with all account-related questionsI appreciate the
opportunity to respond to your concerns. We understand from your complaint that you placed an online order, as you received a coupon for $70.00 off a purchase of $The total of your purchase was over $190.00, and your coupon was not appliedYou contacted NEW YORK & COMPANY, and were advised that the coupon had been sent out early and it would not be honored. We understand your concerns, and we sincerely apologize for any frustration or inconvenience this matter may have caused you. Please understand that Comenity Capital Bank and NEW YORK & COMPANY are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while NEW YORK & COMPANY is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Thank you for speaking with me on March 11, 2016, in regard to this matter, and for providing me with front and back copies of the coupon you received. After a thorough investigation, our records indicate on February 24, 2016, a purchase of $was applied to the NEW YORK & COMPANY credit card accountThe coupon offer of $off was not applied to your purchaseTypically, this is something that NEW YORK & COMPANY would resolve, as they are responsible for matters concerning ordersHowever, in the interest of customer service, the Bank has applied a credit of $to your accountThis adjustment will appear on your next billing statement. You are a valued customer and we hope you find this information to be helpfulIf you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Diamond L***
Dear *** ** ***
We received your correspondence, sent to the Revdex.com (Revdex.com), regarding the above-noted accountComenity Bank (Bank), issues the Younkers credit cardWe are here to help answer your account-related questions and assist with your concerns
We
understand from your complaint to the Revdex.com, you are receiving e-mails from the Bank, which you feel encourages customers to spend their entire limit of the accountYou state this is unethical and irresponsible on our partYou further state that you contacted Comenity Bank regarding this matter, and you were then opted-out of receiving this type of email
We appreciate you contacting us and advising us of your concerns and we apologize for any inconvenience this may have caused you
Please be assured, on November 10, 2016, we excluded you from receiving marketing e-mails in regard to the credit card programPlease note this will not exclude you from receiving monthly notifications that your billing statement is ready for review
We hope you find this information helpfulIf you have any further questions, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you
Sincerely,
Jack C***
January 18, RE: Overdrawn Account Revdex.com Complaint ID# Dear *** ***: Comenity Bank has received your correspondenceWe
are here to answer your questions and assist with your concerns We would like to assist you in resolving this matterUnfortunately, we are unable to locate the account you are referencing in your correspondence based on the information providedIn order to investigate your concerns, please provide your account number, copies of your billing statements, and/or a copy of your credit bureau report showing your account Once this information has been received, we will be able to further investigatePlease send this information to my attention at the address shown above If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** ***
*** *** * *** *** Tell us why here
Dear Mr***
We are in receipt of your complaint regarding unwanted telephone callsComenity Bank responds to all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your
concerns.Your correspondence indicates you are receiving telephone calls from Comenity Bank on your phone number ending in ***, regarding a matter not related to youThe calls placed to the telephone number likely would have been attempts by us to contact one of our customers regarding a business matterPlease be assured, Comenity Bank will honor your request to cease telephone communication to the contact phone number ending in ***.I hope this information is helpfulShould you have any questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Geanine M***
Hi ***, Comenity Capital Bank received the complaint for *** ***, Revdex.com Complaint ID# 11962141. In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 02/17/Please let me know
if this extension date is not approved. Thank you,*** ***
*** *** * *** *** ***
*** *** *** *** *** * *** *** *** ***
*** *** *** *** ** ***Office: ###-###-####***
Dear *** ** ***We have received the complaint regarding the above-noted accountComenity Capital Bank issues LendingClub Patient Solutions credit accounts, and we are here to help with all account-related questionsYourcomplaint, address to the Revdex.com, was forwarded to my
attention, and I appreciate theopportunity to respond to your concerns.In reviewing your complaint, the Bank understands that you had an appointment with ClearChoice Dental for afree consultationYou state that a Lending Club Patient Solutions account was opened in your name and thecost of the dental implant was charged to your accountFurthermore, you state that after considering the cost,you decided to cancel the appointment and did not have any treatmentsYou are requesting a refund forservices not receivedWe understand your concems and apologize for any inconvenience this may havecaused you.Please be advised that Comenity Capital Bank and ClearChoice Dental, are separate entitiesThe Bank isresponsible for addressing questions related to the Lending Club Patient Solutions credit account, whileClearChoice Dental is responsible for addressing concerns regarding treatments, charges, and refunds.Bank records indicate a charge of $11,posted to the account on January 13, In addition, a creditof $10,posted to your account on February 11, Please be advised that the Bank reached out toClearChoice Dental on your behalf regarding the difference of $1,and was advised that no credit wasdue, as services totaling $1,were provided.Should you wish to further dispute this matter, please contact ClearChoice Dental directly.Please be advised that the balance on your account is $1,In addition, on January 24,2016, yourLending Club Patient Solutions credit account was permanently closed, and reported to the nationalcredit-reporting agencies as an unpaid debt due to non-payment.At this time, we ask that you contact our Recovery Department at ###-###-#### to discuss a paymentplan.We hope the information provided is helpfulShould you have any additional questions or concems, pleasecontact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***
I am strongly rejecting this response as my bank said the reason for return was the names were not the same and they had a fraud alert on account Furthermore, the second issue was not addressed If you look at my credit report it looks like I have multiple Victoria Secret accounts This is reported three times on each of the reporting agencies Therefore it is made much worse!!!
Complaint: ***
I am rejecting this response because:
Regards,
*** ***
Dear Revdex.com dispute resolution department,Regarding the following case : Revdex.com Complaint ID # *** - Comenity BankIt was inconsiderate of me to not reply before the case was closedI would like you to please change the closed case notes to : "Answered- Revdex.com has heard back from the consumer and reports all matters resolved to consumer's satisfaction". Please extend my gratitude to Comenity bank for their swift and outstanding resolution to my complaintI thank Revdex.com as well for their efficient work as the ombudsman to good consumer satisfaction. Best Regards, *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***ps - Thank You and Merry Christmas
We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above. Comenity Bank issues POTTERY BARN credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention, and I
appreciate the opportunity to respond to your concerns We understand from your complaint that you made purchases under the month interest free promotional plan and the store charged you twice for each of the purchases. You made phone calls to attempt to resolve the error and you filed a dispute because you noticed you were charged interest charges. You received documentation two weeks later from the Bank that you already received credit to your account for the double charge and closed the dispute. You state that the issue was that the interest charges needed to be credited. You are requesting that all interest be removed from your accountWe apologize for any inconvenience this matter may have caused you Our records indicate that three purchases were applied to your account and were placed on the month deferred interest plan. These purchases were also duplicated, and when the duplicate charges were credited to your account, two of the credits were applied to the wrong credit plan. To correct this issue, please be assured that the bank has removed all of the previously assessed finance charges as well as the previously assessed late fees in the amount of $474.65. The remaining revolving balance of $has been moved back to the month deferred interest plan schedule to expire on December 19, 2016. As of today, your total account balance is $ We hope you find this information helpful. If you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H***
The company has not credited me any payment that I can tell other than the fees they already credited back to meI have already paid both the month of February and March in the amount of $160, $for each month as my due date is on the 1st of every monthThis was done on the 24th of FebruaryUnless they intend on giving me a $credit, or waiving a future payment, it defeats the purpose of waiving the February payment because I have already paid for that monthThe entire reason I asked that they waive the payment for that month like they said they were going to do was so that I would only have to pay my regular minimum payment for the month of March and not FebruaryI was told to pay $before the first to cover both months so it would not be reported to my credit beureaSo that is what I did.
Regards,Amber Howell
Dear *** ** ***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the *** credit cardWe are here to answer your questions and assist with your concerns. We understand that your credit card payments
have been reported late to the credit agencies multiple times when they were not lateYou state you have contacted the Bank and have not received assistance with this matterYou request to have the payments that were made on time reported as such. After a review of the above-referenced account, we find you were enrolled in a Consumer Credit Counseling ProgramThe Bank accepted the terms of the program and your minimum payment was to be $46.00, due by the 2nd of each month. Since some payments were missed, your account fell past due and was reported as suchWhen payments are not made by the due date on the account, the new minimum amount due is added to the past due amount which increases the next month’s minimum dueAs you are enrolled into the special terms, your account continued to indicate a minimum payment of $due and also reflected a past due amount of $Since the full amount was not paid, your account continued to report past dueA review of the billing statements indicates some confusion regarding the amount due beginning with November through August Therefore, as a one-time courtesy, the Bank has submitted a request to the credit agencies to remove the delinquencies from November to August Please allow them days to update their records. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L***
This is unnacceptableIf you have such impeccable records, you would see that I called both you AND Victoria's Secret after placing each of those ordersAll calls are recorded, so you should be able to find that during each call, I not only verified my identity - but I also stated that I would be making multiple orders for the same thing and the same amountsI EVEN had to open a complaint with the Revdex.com because two of the gift cards were not refunded back to my account after they were accidently closed and I had to place new ordersThere are multiple calls/notes on my account that will verify that those purchases were made by meI have called Comenity multiple times concerning my card, my payments are drafted monthl of a bank account in MY name, I've spoken with CSRs via the secure messaging center from your website. I refuse to reapply and start with a $credit line after working for two years to get the one I haveThis needs to be fixed. *** ***
We received your complaint, submitted to the Revdex.com, regarding the above-referenced account.As the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist you with account relatedquestionsYour complaint was forwarded to my attention, and I appreciate the
opportunity to respond toyour concerns.Your complaint states that each time you log in to Account Center you have to change your password, as thesystem does not recognize itYour account ends up being charged late fees and now you cannot change yourpassword in order to communicate with the BankYou are requesting the late fees removedWe apologize forthe frustration and inconvenience this matter has caused.Bank records indicate that payment is due on the 17th day of every monthA payment of $was due onOctober 17, A promise to pay by October 21, 2016, was confirmed by you and will be made on the WEB,per your request on October 19, A $payment posted to the account on October 22, As acourtesy, I have issued credit for the $late fee assessed to the account.Please keep in mind, when payment is not received, received after the due date, or made for less than theminimum due, the account may be charged a late fee, pursuant to the Bank’s Credit Card Agreement.To reset your password on Account Center, you should access Account Center athttp://comenity.net/victoriassecret and click on reset passwordYou will be required to enter your full accountnumber and identification type (i.elast four digits of the social security number), and your zip or postal code.Once your account is found, you will click on “I don’t know my password”This prompts the system to send youan Id Code to complete the verification process, and will be sent by text or email (your preference)Once youhave entered the Id Code, you will then be prompted to create a new passwordA new password should be 8-characters long, contain at least number and letter, may not contain the User Name, may contain spacesand/or special characters, and is case sensitiveOnce you confirm the new password by entering it in a secondtime, you will then have to click on the Save New Password optionTo save the sign in information, you mustclick on Remember Me before signing in.We hope this information is helpfulShould you have any questions or concerns regarding this letter, please feelfree to contact me at 1-800-675-5685, ext(TDD/TTY 1-800-695-1788)I will be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meI am accepting the Bank's response that they are reviewingAs of yet no resolution has been completed
Regards,
*** ***
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 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 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*** *** ***
I did make a payment to the company, however, I did so to begin the attempt in resolving my dealing with them, but, as I mentioned in my coplaint, they are not to be some body that you close both eyes and know it's good.Thank you very much for your help
Regards,
*** ***
Dear Ms***: We received your complaint, addressed to the Revdex.com, regarding the above-referenced credit card accountComenity Bank issues NEW YORK & COMPANY credit card accounts, and we are here to assist you with all account-related questionsI appreciate the
opportunity to respond to your concerns. We understand from your complaint that you placed an online order, as you received a coupon for $70.00 off a purchase of $The total of your purchase was over $190.00, and your coupon was not appliedYou contacted NEW YORK & COMPANY, and were advised that the coupon had been sent out early and it would not be honored. We understand your concerns, and we sincerely apologize for any frustration or inconvenience this matter may have caused you. Please understand that Comenity Capital Bank and NEW YORK & COMPANY are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while NEW YORK & COMPANY is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Thank you for speaking with me on March 11, 2016, in regard to this matter, and for providing me with front and back copies of the coupon you received. After a thorough investigation, our records indicate on February 24, 2016, a purchase of $was applied to the NEW YORK & COMPANY credit card accountThe coupon offer of $off was not applied to your purchaseTypically, this is something that NEW YORK & COMPANY would resolve, as they are responsible for matters concerning ordersHowever, in the interest of customer service, the Bank has applied a credit of $to your accountThis adjustment will appear on your next billing statement. You are a valued customer and we hope you find this information to be helpfulIf you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Diamond L***
Dear *** ** ***
We received your correspondence, sent to the Revdex.com (Revdex.com), regarding the above-noted accountComenity Bank (Bank), issues the Younkers credit cardWe are here to help answer your account-related questions and assist with your concerns
We
understand from your complaint to the Revdex.com, you are receiving e-mails from the Bank, which you feel encourages customers to spend their entire limit of the accountYou state this is unethical and irresponsible on our partYou further state that you contacted Comenity Bank regarding this matter, and you were then opted-out of receiving this type of email
We appreciate you contacting us and advising us of your concerns and we apologize for any inconvenience this may have caused you
Please be assured, on November 10, 2016, we excluded you from receiving marketing e-mails in regard to the credit card programPlease note this will not exclude you from receiving monthly notifications that your billing statement is ready for review
We hope you find this information helpfulIf you have any further questions, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you
Sincerely,
Jack C***
January 18, RE: Overdrawn Account Revdex.com Complaint ID# Dear *** ***: Comenity Bank has received your correspondenceWe
are here to answer your questions and assist with your concerns We would like to assist you in resolving this matterUnfortunately, we are unable to locate the account you are referencing in your correspondence based on the information providedIn order to investigate your concerns, please provide your account number, copies of your billing statements, and/or a copy of your credit bureau report showing your account Once this information has been received, we will be able to further investigatePlease send this information to my attention at the address shown above If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** ***
*** *** * *** *** Tell us why here
Dear Mr***
We are in receipt of your complaint regarding unwanted telephone callsComenity Bank responds to all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your
concerns.Your correspondence indicates you are receiving telephone calls from Comenity Bank on your phone number ending in ***, regarding a matter not related to youThe calls placed to the telephone number likely would have been attempts by us to contact one of our customers regarding a business matterPlease be assured, Comenity Bank will honor your request to cease telephone communication to the contact phone number ending in ***.I hope this information is helpfulShould you have any questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Geanine M***
I have filled out this form before.
Regards,*** ***
Hi ***, Comenity Capital Bank received the complaint for *** ***, Revdex.com Complaint ID# 11962141. In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 02/17/Please let me know
if this extension date is not approved. Thank you,*** ***
*** *** * *** *** ***
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*** *** *** *** ** ***Office: ###-###-####***
Dear *** ** ***We have received the complaint regarding the above-noted accountComenity Capital Bank issues LendingClub Patient Solutions credit accounts, and we are here to help with all account-related questionsYourcomplaint, address to the Revdex.com, was forwarded to my
attention, and I appreciate theopportunity to respond to your concerns.In reviewing your complaint, the Bank understands that you had an appointment with ClearChoice Dental for afree consultationYou state that a Lending Club Patient Solutions account was opened in your name and thecost of the dental implant was charged to your accountFurthermore, you state that after considering the cost,you decided to cancel the appointment and did not have any treatmentsYou are requesting a refund forservices not receivedWe understand your concems and apologize for any inconvenience this may havecaused you.Please be advised that Comenity Capital Bank and ClearChoice Dental, are separate entitiesThe Bank isresponsible for addressing questions related to the Lending Club Patient Solutions credit account, whileClearChoice Dental is responsible for addressing concerns regarding treatments, charges, and refunds.Bank records indicate a charge of $11,posted to the account on January 13, In addition, a creditof $10,posted to your account on February 11, Please be advised that the Bank reached out toClearChoice Dental on your behalf regarding the difference of $1,and was advised that no credit wasdue, as services totaling $1,were provided.Should you wish to further dispute this matter, please contact ClearChoice Dental directly.Please be advised that the balance on your account is $1,In addition, on January 24,2016, yourLending Club Patient Solutions credit account was permanently closed, and reported to the nationalcredit-reporting agencies as an unpaid debt due to non-payment.At this time, we ask that you contact our Recovery Department at ###-###-#### to discuss a paymentplan.We hope the information provided is helpfulShould you have any additional questions or concems, pleasecontact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***
I am strongly rejecting this response as my bank said the reason for return was the names were not the same and they had a fraud alert on account Furthermore, the second issue was not addressed If you look at my credit report it looks like I have multiple Victoria Secret accounts This is reported three times on each of the reporting agencies Therefore it is made much worse!!!
Complaint: ***
I am rejecting this response because:
Regards,
*** ***
Dear Revdex.com dispute resolution department,Regarding the following case : Revdex.com Complaint ID # *** - Comenity BankIt was inconsiderate of me to not reply before the case was closedI would like you to please change the closed case notes to : "Answered- Revdex.com has heard back from the consumer and reports all matters resolved to consumer's satisfaction". Please extend my gratitude to Comenity bank for their swift and outstanding resolution to my complaintI thank Revdex.com as well for their efficient work as the ombudsman to good consumer satisfaction. Best Regards, *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***ps - Thank You and Merry Christmas
We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above. Comenity Bank issues POTTERY BARN credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention, and I
appreciate the opportunity to respond to your concerns We understand from your complaint that you made purchases under the month interest free promotional plan and the store charged you twice for each of the purchases. You made phone calls to attempt to resolve the error and you filed a dispute because you noticed you were charged interest charges. You received documentation two weeks later from the Bank that you already received credit to your account for the double charge and closed the dispute. You state that the issue was that the interest charges needed to be credited. You are requesting that all interest be removed from your accountWe apologize for any inconvenience this matter may have caused you Our records indicate that three purchases were applied to your account and were placed on the month deferred interest plan. These purchases were also duplicated, and when the duplicate charges were credited to your account, two of the credits were applied to the wrong credit plan. To correct this issue, please be assured that the bank has removed all of the previously assessed finance charges as well as the previously assessed late fees in the amount of $474.65. The remaining revolving balance of $has been moved back to the month deferred interest plan schedule to expire on December 19, 2016. As of today, your total account balance is $ We hope you find this information helpful. If you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H***
The company has not credited me any payment that I can tell other than the fees they already credited back to meI have already paid both the month of February and March in the amount of $160, $for each month as my due date is on the 1st of every monthThis was done on the 24th of FebruaryUnless they intend on giving me a $credit, or waiving a future payment, it defeats the purpose of waiving the February payment because I have already paid for that monthThe entire reason I asked that they waive the payment for that month like they said they were going to do was so that I would only have to pay my regular minimum payment for the month of March and not FebruaryI was told to pay $before the first to cover both months so it would not be reported to my credit beureaSo that is what I did.
Regards,Amber Howell
Dear *** ** ***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the *** credit cardWe are here to answer your questions and assist with your concerns. We understand that your credit card payments
have been reported late to the credit agencies multiple times when they were not lateYou state you have contacted the Bank and have not received assistance with this matterYou request to have the payments that were made on time reported as such. After a review of the above-referenced account, we find you were enrolled in a Consumer Credit Counseling ProgramThe Bank accepted the terms of the program and your minimum payment was to be $46.00, due by the 2nd of each month. Since some payments were missed, your account fell past due and was reported as suchWhen payments are not made by the due date on the account, the new minimum amount due is added to the past due amount which increases the next month’s minimum dueAs you are enrolled into the special terms, your account continued to indicate a minimum payment of $due and also reflected a past due amount of $Since the full amount was not paid, your account continued to report past dueA review of the billing statements indicates some confusion regarding the amount due beginning with November through August Therefore, as a one-time courtesy, the Bank has submitted a request to the credit agencies to remove the delinquencies from November to August Please allow them days to update their records. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L***
This is unnacceptableIf you have such impeccable records, you would see that I called both you AND Victoria's Secret after placing each of those ordersAll calls are recorded, so you should be able to find that during each call, I not only verified my identity - but I also stated that I would be making multiple orders for the same thing and the same amountsI EVEN had to open a complaint with the Revdex.com because two of the gift cards were not refunded back to my account after they were accidently closed and I had to place new ordersThere are multiple calls/notes on my account that will verify that those purchases were made by meI have called Comenity multiple times concerning my card, my payments are drafted monthl of a bank account in MY name, I've spoken with CSRs via the secure messaging center from your website. I refuse to reapply and start with a $credit line after working for two years to get the one I haveThis needs to be fixed. *** ***
We received your complaint, submitted to the Revdex.com, regarding the above-referenced account.As the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist you with account relatedquestionsYour complaint was forwarded to my attention, and I appreciate the
opportunity to respond toyour concerns.Your complaint states that each time you log in to Account Center you have to change your password, as thesystem does not recognize itYour account ends up being charged late fees and now you cannot change yourpassword in order to communicate with the BankYou are requesting the late fees removedWe apologize forthe frustration and inconvenience this matter has caused.Bank records indicate that payment is due on the 17th day of every monthA payment of $was due onOctober 17, A promise to pay by October 21, 2016, was confirmed by you and will be made on the WEB,per your request on October 19, A $payment posted to the account on October 22, As acourtesy, I have issued credit for the $late fee assessed to the account.Please keep in mind, when payment is not received, received after the due date, or made for less than theminimum due, the account may be charged a late fee, pursuant to the Bank’s Credit Card Agreement.To reset your password on Account Center, you should access Account Center athttp://comenity.net/victoriassecret and click on reset passwordYou will be required to enter your full accountnumber and identification type (i.elast four digits of the social security number), and your zip or postal code.Once your account is found, you will click on “I don’t know my password”This prompts the system to send youan Id Code to complete the verification process, and will be sent by text or email (your preference)Once youhave entered the Id Code, you will then be prompted to create a new passwordA new password should be 8-characters long, contain at least number and letter, may not contain the User Name, may contain spacesand/or special characters, and is case sensitiveOnce you confirm the new password by entering it in a secondtime, you will then have to click on the Save New Password optionTo save the sign in information, you mustclick on Remember Me before signing in.We hope this information is helpfulShould you have any questions or concerns regarding this letter, please feelfree to contact me at 1-800-675-5685, ext(TDD/TTY 1-800-695-1788)I will be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meI am accepting the Bank's response that they are reviewingAs of yet no resolution has been completed
Regards,
*** ***