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 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 *** ***,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,
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answeryour questions and assist with your concerns.We understand from your complaint that you are upset about receiving calls from
blockednumbers and phone numbers with and area codesYou state that family members havebeen contacted regarding your accountFurthermore, you state that you spoke to our customerservice representatives and they were rude.Bank records indicate your payment due date is the first of every monthThe Victoria’s SecretAngel account is a regular revolving account, which means that if there is a balance, a minimumpayment is required each billing periodPlease keep in mind that when payments are notreceived, are received after the due date, or are made for less than the minimum required, theaccount will be assessed a late fee, as explained in the Credit Card AgreementRegarding the call(s) placed to your father's number and your work number, when the Bank hasbeen unable to reach our customer, we will utilize various resources to obtain contact informationwhere the customer may be reached.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.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M***
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
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
Dear Ms*** Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Blair credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I
appreciate the opportunity to assist you You state in your complaint that you have paid all your bills and the Bank continues to charge additional fees with no explanation, and that you receive phone calls many times a day. You are requesting a listing of all charges since billing began. We sincerely apologize for any inconvenience or frustration this matter may have caused you. We have enclosed copies of your monthly billing statements, for your review. Please understand that Comenity Capital Bank and Blair are two separate entities. Comenity Capital Bank is responsible for addressing questions related to Blair credit card accounts, while Blair is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. When you order merchandise from Blair, your account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling. When the merchandise is returned, your account is credited for the merchandise and the applicable sales tax. Blair does not refund shipping and handling charges. In addition, if the provided return label is used to return the package, the return label fee is also charged to your account On November 29, 2014, you placed a telephone order with Blair. On that date the following items were ordered: one pair of pleated pants in gray heather, one pair of pleated pants in camel, and a watch in light blue. On November 29, 2014, a charge of $posted to the account for the watch. As both pairs of pants were on back order, the charges did not post to the account until the items were shipped. On December 6, 2014, a charge of $posted to the account for the camel pants, and on January 22, 2015, a purchase of $posted to the account for the gray heather pants. On December 24, 2014, the camel pants were returned, and as the return label was used to return the package, a credit of $posted to the account. On February 6, 2015, a letter was sent to you from our Billing Dispute department, in response to a dispute that you had sent to the Bank, regarding your balance. We have enclosed a copy of this letter for your review. We reached out to Blair on your behalf, and on June 21, 2015, in the interest of customer service, Blair issued a credit of $to the account. The Bank has issued additional credits totaling $to remove the late fees, finance charges, and remaining balance. These credits have posted, and brought your account balance to zero. Please be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Blair account, from your credit bureau report. Please allow the credit-reporting agencies days to update their records. Your account was closed at your request, on January 19, 2015. We hope you find this information helpful. If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
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 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 *** *** We have 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 your account-related questions I appreciate the
opportunity to assist you with your concerns. We are also in receipt of your correspondence submitted to the Federal Deposit Insurance Corporation regarding this same matter. Please find enclosed a copy of our response sent to you on September 28, 2015. I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,KaiM***
*** *** ***
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***
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, *** ***
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***
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,
*** ***
Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the EXPRESS NEXT credit cardWe are here to answer your questions and assist with your concerns
We understand from your correspondence you were having issues with your payment being
processed from your bank accountYou state that after realizing the payment would not be honored, you went to the Express store to make a paymentYou further state you spoke with two representatives that basically refused to make any concession even after you already paid your bank for this same thingThis was the first time you had an issue with payments on this account, and the Bank is unwilling to assist in this matterFurthermore, you requested to have the $return check fee removed from your EXPRESS NEXT account as well as the notation of said returned payment
We appreciate you contacting the Revdex.com regarding your concerns and we would like to take this moment to explain our findings below
We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met
Your November 7, 2016, billing statement generated showing a balance of $203.77, which included a pay by phone payment of $made on October 31, On November 8, 2016, our bank received word from your banking institution this payment was returned due to “Insufficient Funds at bank.” Therefore, we had debited your payment of $back on your EXPRESS NEXT account
Please keep in mind that when your check is returned a fee may be assessed to your account; as stated in the Credit Card AgreementIn this instance, your check had been returned due to the funds not available; therefore, a returned check fee of $was assessed In addition, due to your account being new the Bank had temporarily suspended your account for the next three months; as long as we do not receive any additional returned payments
If this was an error caused by your banking institution, please send a letter on their letterhead indicating it was an error on their part, to Comenity Bank, P.OBox 182273, Columbus OH 43218-Once we have received this letter, we would be happy to remove the suspension and the returned check fee of $
Should you have any further questions or concerns, please do not hesitate to contact me at ###-###-####I will be happy to assist you
Sincerely,
Jack C
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***
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
October 5, 2015*** *** *** *** *** ** ***RE: *** *** *** *** *** ** ***Revdex.com Complaint ID #***Dear Ms***We received your additional complaint, addressed to the Revdex.com, regarding theaccount referenced aboveComenity Bank issues BrylaneHome credit card accounts, and we arehere to assist you with all account-related questionsI appreciate the opportunity to respond to yourconcerns.We understand from your complaint that you would like the late fees removed since there must havebeen an error in the processing of your payment online.Our records indicate that we have previously responded to this issuePlease find enclosed a copyof our response sent to you on September 18, 2015.Please keep in mind when payments are not received, are received after the due date, or are madefor less than the minimum required, the account will be assessed a late fee and finance charge, asexplained in the Credit Card AgreementAs such, we are unwilling to credit any late fees andfinance charges.Bank records do not indicate any payments received, if you have documentation for payments youhave made; we recommend that you contact your personal banking institution, or money orderprovider, for verificationIf a payment is confirmed, please provide a copy of the front and back ofthe missing payment, and we will be glad to update your account accordingly.As of the date of this letter, you have a balance of $on your BrylaneHome account, and it iscurrently five billing periods past due.Should the account exceed six consecutive billing periods past due, the account will be permanentlyclosed, written-off, and reported to the national credit-reporting agencies as an unpaid debtThisinformation could remain on your credit report for up to seven years.We hope you have found this information helpfulIf you have any further questionsplease contactme at *** *** *** *** *** *** ***I will be happy to assist you.Sincerely,Amanda R.Consumer Relations SpecialistCC: Revdex.com
***
Dear Mr***:
We received your additional complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET credit cards, and we are here to answer account-related questionsYour complaint was forwarded to my attention and I appreciate the opportunity to respond to your concerns
We understand that you received a billing statement from the Bank and have sent it back as “return to sender”Please accept our sincere apology for the frustration and inconvenience this has caused you
The Bank inadvertently issued the statement on July 11, Please be assured that you are not responsible for the VICTORIA’S SECRET account and you will not receive any further correspondence from the Bank regarding this matter
If you have any further questions, please contact the Account Protection team at ###-###-#### (TDD/TTY ###-###-####)They are happy to assist you
Sincerely,
Shawnda Y***
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 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 *** ***,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,
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answeryour questions and assist with your concerns.We understand from your complaint that you are upset about receiving calls from
blockednumbers and phone numbers with and area codesYou state that family members havebeen contacted regarding your accountFurthermore, you state that you spoke to our customerservice representatives and they were rude.Bank records indicate your payment due date is the first of every monthThe Victoria’s SecretAngel account is a regular revolving account, which means that if there is a balance, a minimumpayment is required each billing periodPlease keep in mind that when payments are notreceived, are received after the due date, or are made for less than the minimum required, theaccount will be assessed a late fee, as explained in the Credit Card AgreementRegarding the call(s) placed to your father's number and your work number, when the Bank hasbeen unable to reach our customer, we will utilize various resources to obtain contact informationwhere the customer may be reached.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.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M***
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
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
Dear Ms*** Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Blair credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I
appreciate the opportunity to assist you You state in your complaint that you have paid all your bills and the Bank continues to charge additional fees with no explanation, and that you receive phone calls many times a day. You are requesting a listing of all charges since billing began. We sincerely apologize for any inconvenience or frustration this matter may have caused you. We have enclosed copies of your monthly billing statements, for your review. Please understand that Comenity Capital Bank and Blair are two separate entities. Comenity Capital Bank is responsible for addressing questions related to Blair credit card accounts, while Blair is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. When you order merchandise from Blair, your account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling. When the merchandise is returned, your account is credited for the merchandise and the applicable sales tax. Blair does not refund shipping and handling charges. In addition, if the provided return label is used to return the package, the return label fee is also charged to your account On November 29, 2014, you placed a telephone order with Blair. On that date the following items were ordered: one pair of pleated pants in gray heather, one pair of pleated pants in camel, and a watch in light blue. On November 29, 2014, a charge of $posted to the account for the watch. As both pairs of pants were on back order, the charges did not post to the account until the items were shipped. On December 6, 2014, a charge of $posted to the account for the camel pants, and on January 22, 2015, a purchase of $posted to the account for the gray heather pants. On December 24, 2014, the camel pants were returned, and as the return label was used to return the package, a credit of $posted to the account. On February 6, 2015, a letter was sent to you from our Billing Dispute department, in response to a dispute that you had sent to the Bank, regarding your balance. We have enclosed a copy of this letter for your review. We reached out to Blair on your behalf, and on June 21, 2015, in the interest of customer service, Blair issued a credit of $to the account. The Bank has issued additional credits totaling $to remove the late fees, finance charges, and remaining balance. These credits have posted, and brought your account balance to zero. Please be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Blair account, from your credit bureau report. Please allow the credit-reporting agencies days to update their records. Your account was closed at your request, on January 19, 2015. We hope you find this information helpful. If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
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 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 *** *** We have 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 your account-related questions I appreciate the
opportunity to assist you with your concerns. We are also in receipt of your correspondence submitted to the Federal Deposit Insurance Corporation regarding this same matter. Please find enclosed a copy of our response sent to you on September 28, 2015. I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,KaiM***
*** *** ***
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***
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, *** ***
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***
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,
*** ***
Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the EXPRESS NEXT credit cardWe are here to answer your questions and assist with your concerns
We understand from your correspondence you were having issues with your payment being
processed from your bank accountYou state that after realizing the payment would not be honored, you went to the Express store to make a paymentYou further state you spoke with two representatives that basically refused to make any concession even after you already paid your bank for this same thingThis was the first time you had an issue with payments on this account, and the Bank is unwilling to assist in this matterFurthermore, you requested to have the $return check fee removed from your EXPRESS NEXT account as well as the notation of said returned payment
We appreciate you contacting the Revdex.com regarding your concerns and we would like to take this moment to explain our findings below
We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met
Your November 7, 2016, billing statement generated showing a balance of $203.77, which included a pay by phone payment of $made on October 31, On November 8, 2016, our bank received word from your banking institution this payment was returned due to “Insufficient Funds at bank.” Therefore, we had debited your payment of $back on your EXPRESS NEXT account
Please keep in mind that when your check is returned a fee may be assessed to your account; as stated in the Credit Card AgreementIn this instance, your check had been returned due to the funds not available; therefore, a returned check fee of $was assessed In addition, due to your account being new the Bank had temporarily suspended your account for the next three months; as long as we do not receive any additional returned payments
If this was an error caused by your banking institution, please send a letter on their letterhead indicating it was an error on their part, to Comenity Bank, P.OBox 182273, Columbus OH 43218-Once we have received this letter, we would be happy to remove the suspension and the returned check fee of $
Should you have any further questions or concerns, please do not hesitate to contact me at ###-###-####I will be happy to assist you
Sincerely,
Jack C
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***
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
October 5, 2015*** *** *** *** *** ** ***RE: *** *** *** *** *** ** ***Revdex.com Complaint ID #***Dear Ms***We received your additional complaint, addressed to the Revdex.com, regarding theaccount referenced aboveComenity Bank issues BrylaneHome credit card accounts, and we arehere to assist you with all account-related questionsI appreciate the opportunity to respond to yourconcerns.We understand from your complaint that you would like the late fees removed since there must havebeen an error in the processing of your payment online.Our records indicate that we have previously responded to this issuePlease find enclosed a copyof our response sent to you on September 18, 2015.Please keep in mind when payments are not received, are received after the due date, or are madefor less than the minimum required, the account will be assessed a late fee and finance charge, asexplained in the Credit Card AgreementAs such, we are unwilling to credit any late fees andfinance charges.Bank records do not indicate any payments received, if you have documentation for payments youhave made; we recommend that you contact your personal banking institution, or money orderprovider, for verificationIf a payment is confirmed, please provide a copy of the front and back ofthe missing payment, and we will be glad to update your account accordingly.As of the date of this letter, you have a balance of $on your BrylaneHome account, and it iscurrently five billing periods past due.Should the account exceed six consecutive billing periods past due, the account will be permanentlyclosed, written-off, and reported to the national credit-reporting agencies as an unpaid debtThisinformation could remain on your credit report for up to seven years.We hope you have found this information helpfulIf you have any further questionsplease contactme at *** *** *** *** *** *** ***I will be happy to assist you.Sincerely,Amanda R.Consumer Relations SpecialistCC: Revdex.com
***
Dear Mr***:
We received your additional complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET credit cards, and we are here to answer account-related questionsYour complaint was forwarded to my attention and I appreciate the opportunity to respond to your concerns
We understand that you received a billing statement from the Bank and have sent it back as “return to sender”Please accept our sincere apology for the frustration and inconvenience this has caused you
The Bank inadvertently issued the statement on July 11, Please be assured that you are not responsible for the VICTORIA’S SECRET account and you will not receive any further correspondence from the Bank regarding this matter
If you have any further questions, please contact the Account Protection team at ###-###-#### (TDD/TTY ###-###-####)They are happy to assist you
Sincerely,
Shawnda Y***
I have filled out this form before.
Regards,*** ***