Dear [redacted] We received your additional complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Capital Bank issues Overstock.com credit card accounts, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you with your concerns.We understand from your complaint that you are requesting the application used to aquire credit services with Comenity Capital Bank, IP addresses in which the application originated from, all transaction records, where the trasactions were purchased, all addresses used including the IP addresses for the trasactions, and a copy of the Statement Of Fraud and Forgery (SOFF) sent in by youI am happy to share my findings.Please be advised Comenity Capital Bank and Overstock.com are two sepperate entitiesThe Bank issues and is responsible for addressing questions related to the credit card accountOverstock.com is responsible for handling matters related to sales, merchandise processing, returns and shippingFor information regarding the purchase(s) made and address sent to, please contact Overstock.com directly at ###-###-####.I have included a copy of the application submitted to open the account, as well as copies of the billing statements and a copy of the SOFF sent in to our Account Protection team.IP addresses can only be provided to Law Enforcement, we encourage you to work with the officer assisting you with your case to obtain the IP address.If you have any additional questions or concerns, please contact the Account Protection team at ###-###-#### (TDD/TTY ###-###-####); and refer to case number [redacted] The Fraud Investigator assigned to your case is [redacted] .I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact the Fraud Investigator listed aboveShe would be happy to assist you.Sincerely,KaiM [redacted]
These items were returned and hsn recieved the items and I sent other items back to that I never recieved credit onI sent back nikon cameras that were not given credit on.I will no longer use this credit card as I have closed the account.I would like the credit for these items but looks like they are not goong to do that or give me a detailed statemnt from auglike I asked for Regards, [redacted]
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding an accountComenity Bank issues multiple retail credit card accountsWe are here to answer your questions and assist with your concerns We understand from your complaint that there were charges made to an account in that are not yoursYou state that you continue to call and you are informed that the department can only pull up transactions from the last six months and beyondYou state that you are transferred from each department and have been calling for the last six months attempting to resolve this matter; however, no one can help youYou further state that this matter is affecting your credit report and you request a letter confirming the fraud chargesYou also request a billing adjustmentI am happy to share my findings We are unable to locate the account you are referencing regarding this matterTo further research your concerns, we request the following: Comenity Bank Account NumberThe amount and date of the purchases You may also contact our Account Protection team directly regarding this matter at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, [redacted] Compliance Dept– Consumer Responses
We received your complaint, addressed to the Revdex.com, regarding your VICTORIA’S SECRET credit card accountComenity Bank issues VICTORIA’S SECRET credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist youI understand your concerns regarding the $returned check fee assessed to your VICTORIA’S SECRET account, and sincerely apologize for any frustration or inconvenience this matter may have caused youAfter a thorough investigation, Bank records indicate that a payment of $was scheduled online on September 23, The Bank processed this payment from your personal bank account as scheduled; however, on September 30, 2016, the payment was returned, as your personal bank account information entered was invalid and/or unable to be locatedAs a result, the $payment was added back to the balance, and a returned check fee of $was applied to the accountPlease note, when a payment is returned on a new account, the Bank will place a restrictive status on the account for a period of ninety daysOnce the Bank receives three months of on-time payments, the restrictive status is removedAlthough there were no Bank errors, in the interest of customer service, the $returned payment fee was credited to the account on October 1, 2016, and we received an additional payment of $34.18, which brought the account balance to zeroIn addition, as requested, on October 1, 2016, your VICTORIA’S SECRET account was closedWe hope you found this information to be helpfulShould you have any further questions, please c ontact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Shawnda Y***
Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the POTTERY BARN credit card We are here to answer your questions and assist with your concerns We understand from your complaint, you were re-billed for items that you returned in June You state that the account was credited $on the July billing statement; however, on the August billing statement, the amount was charged again as two transactions: $and $347.59, totaling $ You state the Bank was contacted and verified this was correct You request a credit adjustment of $ I am happy to share my findings Bank records indicate that you spoke with the Bank on September 26, 2016, regarding the matter On your behalf, a representative disputed the transactions of $and $ While the Bank was investigating this matter, the account was provided a provisional credit for both transactions At the completion of your dispute, and explained in the letter dated November 16, 2016, the transactions were found to be valid and the provisional credits were removed We contacted POTTERY BARN again, on your behalf, regarding this matter We were advised that there was an order charged to the account on May 28, 2016, in the amount of $2, A portion of this purchase, totaling $418.56, was on back order; therefore, on June 8, 2016, POTTERY BARN credited the account $ On July 5, 2016, and July 6, 2016, the items on back order were filled, and charged to the account Please be assured the account was not double charged for these items There is currently a balance of $435.60, with a minimum payment of $27.00, due by December 28, 2016, and no credit is due on the account at this time I hope you have found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM
I am demanding that all communication from Comenity Bank cease immediately.On Friday, January 20, my son returned a Comenity "message" on my phone instructingthe rep to have a letter sent to me indicating what they think I still oweI also requested thisduring another call back to themAs of this date, nothing has been receivedI doubt anything Isay is being entered in their computers.I've enclosed statements and emails from Comenity showing my paymentsTheirconstant calls which tell me nothing are affecting my health; I will be years old in JuneI'veasked reps when they call "why are you still calling me?"One, ***, exclaimed "I don't know,you have no balance." This same answer was given to me by another rep on a different call.I owe nothing to ComenityIf Comenity feels otherwise, they have five days to provideevidence of any debt.Due to the harassing phone calls affecting my state of health, this letter is being copiedto those listed below[redacted] ***
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Marathon *** credit cardWe are here to answer your questions and assist with your concernsWe understand that you closed and paid off your account and then received a statement with a fee assessedAs of your November billing statement, your account balance is $You feel you should not owe this amount, as the account was closedYou are requesting for the account to be closed and the balance brought to zeroAfter a review of your account, the September billing statement indicated a balance of $with a minimum amount of $due by October 7, The payment was received on October 10, 2017, in the amount of $Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement (CCA)As no further payment has been received since October 10, 2017, the account has been assessed an additional late fee according to the CCAThe current balance is $with a minimum payment of $due by December 7, As we have found no errors, we respectfully decline your request to adjust the balance on your accountPlease be assured, the account was closed on October 23, 2017, per your requestI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at [redacted] Sincerely, Diamond ***
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your HSN creditcard accountComenity Capital Bank issues HSN credit card accounts, and we respond to allaccount-related questionsYour complaint was forwarded to my attention, and I appreciate theopportunity to assist you.We understand from the complaint that you made a payment in February that you intended to beapplied to February and March billing statementsYou then contacted the Bank and were advisedthat the Bank does not accept advance payments, which you were unaware ofYou state youwould like the late fee and any interest charges assessed due to this matter be reversed as wellas any negative reporting to be removed from your credit report.We understand your concerns, and sincerely apologize for any inconvenience this matter mayhave caused you.Please understand, Comenity Capital Bank does not allow customers to pay two monthlypayments with one payment, We do ask that a payment be made each billing cycle by the duedateIf needed you are able to make a payment online up to days in advanceIf needed you are able to make a payment online up to days in advance.Although there were no Bank errors, in the interest of customer service, we have issued creditstotaling $for the previously assessed late feeThere were no negative payment informationreported to the credit-reporting agencies, therefore no changes have been made.As of the date of this letter, the balance on your HSN credit card account is $1,201.43.We value you as a customer, and hope you find this information to be helpfulIf you have anyfurther questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Ashley R***
I have a record of dozens of calls from Comenity to my number they say does not exit in their records Easy way to deal with this fact to keep saying they don't have a record - i.e"I know nussing (sic)".Not reputable as far as I am concerned.No further correspondence is necessary until Comenity deals with the facts that I have gotten these calls from them Regards, [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the LOVELOFT Mastercard® credit cardWe are here to answer yourquestions and assist with your concerns.We understand your concerns regarding the vacation package you purchased from [redacted] We previously received and responded to your correspondence submitted to the Bank regardingthis same matterPlease find enclosed a copy of our responses sent to you on November 30,2016, and January 11, Please be advised the Bank’s position remains unchangedAnyconcerns regarding the purchase should be directed to Grand Celebrations at ###-###-####.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L***
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues Pottery Barn credit card accounts, and we respond to account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand your concerns regarding the interest charge that posted to your account for your expired promotional planYou state when your Pottery Barn account was opened you did not receive a credit card or disclosures and you would like all of the previously assessed finance charges removed and your account closed We would like to apologize for any inconvenience this issue may have caused youThe Pottery Barn account was opened on December 7, Bank records indicate that on December 8, 2014, the welcome kit, which includes the credit card, Credit Card Agreement, and disclosures, was mailed to [redacted] *** We have no record of the welcome kit being returned as undeliverable, or any notification from you indicating that the welcome kit was not receivedOur records indicate that a purchase of $3,was charged to the account on December 9, The purchase was placed on a 12-month deferred interest, payment required promotional plan, scheduled to end on December 10, As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date The information was provided on all billing statements in the “details of your plans” section, that should the balance not be paid in full, accrued finance charges, dating back to the original date of purchase, would be assessed to the account On December 10, 2015, as the remaining promotional balance of $1,was not paid in full, finance charges totaling $were assessed to the accountBank records further indicate that on January 16, 2016, an adjustment for $was issued to your account as a courtesy to credit a portion of the previously assessed finance charges Please be advised, as the Bank as found no Banking errors, we are unwilling to make any additional adjustments for the previously assessed interest chargesFor your records we are enclosing a copy of the Credit Card Agreement and copies of your billing statements Please be advised your account was closed per your request on January 13, We hope this information is helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Ashley H***
Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced accountComenity Bank issues the Woman Within credit cardWe are here to answer your questions and assist with your concerns.You state that you are rejecting the Bank’s response dated June 30, 2017, as you and your spouse are not, and have never been, customers of the BankYou further state the Bank should find who the account belongs to, as it does not belong to you or your spouse.Please be assured, on June 30, 2017, notification was sent to the credit reporting agencies with instructions to remove the above-referenced account from your credit bureau report.If you feel that an account may have been opened fraudulently, we suggest that you contact the Bank’s Account Protection (Fraud) team at ###-###-####.If you or your spouse believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:You have the right to place a fraud alert on your credit reportsA fraud alert tells creditors to contact you before they open any new accounts or change your existing accountsTo do this, you can contact any one of the consumer reporting companies mentioned belowIf you contact any one of them, the one you contact is required to notify the other two to place an alert on their files as wellIdentity theft is a crimeYou can file a report with your local police or the police department in the community where the crime took placeMany police departments have a special Identity Theft Report, which is a police report with more than the usual amount of detailIf the detailed Identity Theft Report is available, we recommend you obtain a copy in order to protect your rightsYou can go to the Federal Trade Commission website on identity theft:www.ftc.gov/idtheftIt contains additional information and will refer you to resources that could be helpful in dealing with your situation.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Laura R [redacted] Compliance Dept– Consumer Responses
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Regards, [redacted]
Dear [redacted] ***: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the *** credit accountWe are here to answer your questions and assist with your concernsWe understand from your correspondence, submitted to the Revdex.com, that in May you purchased a pellet stove that was offered with months interest free financingPer the first statement, your payment was due on June 20, 2016, which led you to believe you had until June to pay off the chargeYou state you received a statement in May with interest charges of $due to the promotional balance not being paid in full before it expiredYou are requesting that the interest charge is removed due to you only had months of interest free financing and not the months of interest free financing as promisedOur records indicate on May 13, 2016, a purchase of $4,posted to your account and was placed on a 12-month deferred interest, payment required plan that expired on May 14, For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their accountInterest is accrued (calculated, but not added to the balance), and if the balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balancePlease be advised that information regarding your promotional plan appeared on your monthly billing statements, under the heading, “details of your plans”Additionally, beginning with the March billing statement, notification was provided which advised your promotional plan was expiring soonI have enclosed your billing statements for your reviewPlease be advised that a statement was issued to you on April 24, 2017, showing a balance of $with a minimum payment of $due by May 20, Under the “details of your plans” section of your statement, it stated that the promotional balance of $needed to be paid in full by May 14, 2017, to avoid paying accrued interestThe Bank received a payment of $on May 1, As a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $was assessed to your account on May 25, 2017, and the remaining promotional balance of $was moved to revolving, which is subject to monthly finance chargesAs of the date of this letter, the balance on the account is $1,with a minimum payment of $due by June 20, In regard to your question of the promotional plan being only months, please be assured the purchase was placed on a month interest free promotional plan as the purchase date was May 13, 2016, expiring on May 14, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted] *** [redacted] *** Compliance Dept– Consumer Responses
Dear [redacted] ***: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Overstock Store credit cardWe are here to answer your questions and assist with your concerns You state the Bank has reported the above-referenced account to the credit reporting agencies as being more than days past due, which is not trueYou further state you paid this account in full several days before it was reported as lateYou are requesting to have your credit report corrected to reflect as not late with a zero balance We have reviewed your account and we are happy to share our findings Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee may be assessed to the account, as explained in the Credit Card AgreementAdditionally, if an account is two or more billing periods past due, the delinquency may be reported to the credit reporting agencies On March 9, 2017, a billing statement was issued reflecting a balance of $542.26, and a minimum payment of $28.00, due by April 4, A payment of $posted to the account on April 6, On April 8, 2017, a billing statement was issued reflecting a balance of $551.68, and a minimum payment of $28.00, due by May 4, As no payment was received, the account fell one billing period past due On May 9, 2017, a billing statement was issued reflecting a balance of $975.07, and a minimum payment of $77.00, due by June 4, A payment of $posted to the account on May 16, 2017; however, as the payment was returned from your financial institution due to insufficient funds, a debit of $posted to the account on May 24, As a result, the account fell two billing periods past due, and was reported to the credit bureaus as a day delinquency On June 10, 2017, a payment of $1,posted to the account, and resulted in a zero balance We understand your concern regarding your credit reportWe have verified we are reporting the account payment information correctly to the credit reporting agencies, as we are required by law On June 22, 2017, we sent a request to the credit reporting agencies to update the reporting of the account to reflect a zero balancePlease allow up to days for the credit reporting agencies 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, Laura R [redacted] Compliance Dept– Consumer Responses
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Sportsman’s Guide Buyer’s Club Advantage Rewards Visa credit cardWe are here to answer your questions and assist with your concerns.Your complaint states that you ordered online in July from a third partyYou cancelled the purchase by phone but you continued to receive the product and charges to your accountYou contacted Comenity Bank stating the company was a scam, and you were advised that you needed to engage a third party to pursue the issueYou state that the third party claimed you did not cancel the order; however, you have a recorded phone call of the cancellation, but we would not accept the call as the confirmationYou are requesting a credit totaling $361.79, to refund the charges, and you want Comenity Bank to acknowledge that the company conducting the scam was acting fraudulently.We apologize for any frustration or inconvenience you experienced as a result of this matter.Bank records indicate that you sent two disputes previously with regard to this matterWe investigated your claimsA letter was mailed to you, dated December 15, 2016, which provided the outcome and resolution to your claimAn additional letter was mailed to you, dated January 26, 2017.I have enclosed both letters from Comenity Bank, along with the merchant response and related documents that validate the charges to your account.Comenity Bank is unwilling to issue a credit to your account for $For further questions related to the charges, we encourage you to contact the merchant directly.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y***
We received your additional complaint, regarding the above-referenced accountAs the bank that issueswayfair@ credit card accounts, we are here to help answer your account-related concernsYourcorrespondence, addressed to the Revdex.com, was forwarded to my attention, and I appreciatethe opportunity to respond to your concerns.We understand from your complaint, that you are rejecting our original Revdex.com response for the followingreasons:You state while you were speaking with the Bank the day you submitted this complaint; you wereadvised that your account was no longer in dispute, and that you would receive a refund within 20-days, and that your account showed a credit of $If you are not owed the refund of $550.09, you are requesting to be refunded the extra financecharges you paid off as a result of this matterYou are requesting a copy of your July billing statementYou are disputing the dates and charges listed in the previous Bank response.Please note, Bank records indicate this matter has already been investigated and a response waspreviously issued on September 16, have enclosed a copy of our previous response, as well ascopies of the billing statements which include the July billing statement as you requestedThesebilling statements show the account activity that comprised the account balance for your records.Please note, as of September 26, 2016, the provisional credit of $550.09, has been removed from yourwayfaia credit card account, which will bring your balance to zero.In the interest of customer service, credits for finance charges totaling $32.32, have been issued, resultingin credit balancePlease be assured, we have issued a refund in this amount and you should receive therefund in a separate mailing within 7-0, business days.We apologize for any frustration or inconvenience this matter may have caused you, and hope thisinformation is helpfulShould you have any further questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext [redacted] (TDDmY 1-800-695-788)will be happy to assistyou.Sincerely, Jeanine M***Consumer Relations SpecialistCC: Revdex.com
Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccountComenity Capital Bank previously issued the Ideal Image VIP credit card.We are here to answer your questions and assist with your concerns.In your correspondence, you indicate payment was made on the due date, yet a late fee waschargedYou state the Bank posted the payment one day after it was submitted, but refuses tocredit the late feeYou are unhappy with the customer service you received.We have reviewed the concerns noted in your correspondence, and we would like to provide youwith the following information.The online payment you made on December 7, 2017, for $was submitted at 8:p.m.Eastern Time (ET), which was after the cut-off timeframe of 8:p.mET for same-dayprocessing; therefore, the payment was not posted to your account until the following dayPleasebe advised that our payment cut-off timeframes are disclosed on your monthly billing statementunder a section called "Payments"All fees are valid and they were assessed in accordance toyour Credit Card Agreement.We have reviewed the concerns in your correspondence, as well as the applicable AccountCenter secure messagesWe apologize if you felt you did not receive the best customer service.We never intend to treat our customers in a less-than-satisfactory mannerWe are committed toproviding the best customer service and are disappointed when a customer feels this standardwas 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,Rachel R [redacted]
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I reviewed the response made by the business in reference to complaint ID 11996463, and find the resolution is satisfactory to me Regards, Pearlie G***
Dear [redacted] :Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.Your correspondence states that you believe the previous dispute was held up and you have to accept the findings; however, you are referring to several unauthorized charges made to the account in March 2017, and you are not sure if an investigation was opened for the charges.After reviewing your account, the previous fraud case did not include the March charges, as the claim did not include those chargesPlease be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number 20170619-was opened on June 19, The investigation may take up to days to be completed, and you will be notified by mail of the outcomeThe account has been closed to prevent any further charges.If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:You have the right to place a fraud alert on your credit reportsA fraud alert tells creditors to contact you before they open any new accounts or change your existing accountsTo do this, you can contact any one of the consumer reporting companies mentioned belowIf you contact any one of them, the one you contact is required to notify the other two to place an alert on their files as well [redacted] Identity theft is a crimeYou can file a report with your local police or the police department in the community where the crime took placeMany police departments have a special Identity Theft Report, which is a police report with more than the usual amount of detailIf the detailed Identity Theft Report is available, we recommend you obtain a copy in order to protect your rightsYou can go to the Federal Trade Commission website on identity theft: www.ftc.gov/idtheftIt contains additional information and will refer you to resources that could be helpful in dealing with your situation.I hope you found this information to be helpfulShould you have any additional questions or concerns about the investigation, please contact our Account Protection Team at (800) 888-1726.Sincerely,Shawnda Y***Compliance Dept– Consumer Responsescc: Revdex.com
Dear [redacted] We received your additional complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Capital Bank issues Overstock.com credit card accounts, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you with your concerns.We understand from your complaint that you are requesting the application used to aquire credit services with Comenity Capital Bank, IP addresses in which the application originated from, all transaction records, where the trasactions were purchased, all addresses used including the IP addresses for the trasactions, and a copy of the Statement Of Fraud and Forgery (SOFF) sent in by youI am happy to share my findings.Please be advised Comenity Capital Bank and Overstock.com are two sepperate entitiesThe Bank issues and is responsible for addressing questions related to the credit card accountOverstock.com is responsible for handling matters related to sales, merchandise processing, returns and shippingFor information regarding the purchase(s) made and address sent to, please contact Overstock.com directly at ###-###-####.I have included a copy of the application submitted to open the account, as well as copies of the billing statements and a copy of the SOFF sent in to our Account Protection team.IP addresses can only be provided to Law Enforcement, we encourage you to work with the officer assisting you with your case to obtain the IP address.If you have any additional questions or concerns, please contact the Account Protection team at ###-###-#### (TDD/TTY ###-###-####); and refer to case number [redacted] The Fraud Investigator assigned to your case is [redacted] .I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact the Fraud Investigator listed aboveShe would be happy to assist you.Sincerely,KaiM [redacted]
These items were returned and hsn recieved the items and I sent other items back to that I never recieved credit onI sent back nikon cameras that were not given credit on.I will no longer use this credit card as I have closed the account.I would like the credit for these items but looks like they are not goong to do that or give me a detailed statemnt from auglike I asked for Regards, [redacted]
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding an accountComenity Bank issues multiple retail credit card accountsWe are here to answer your questions and assist with your concerns We understand from your complaint that there were charges made to an account in that are not yoursYou state that you continue to call and you are informed that the department can only pull up transactions from the last six months and beyondYou state that you are transferred from each department and have been calling for the last six months attempting to resolve this matter; however, no one can help youYou further state that this matter is affecting your credit report and you request a letter confirming the fraud chargesYou also request a billing adjustmentI am happy to share my findings We are unable to locate the account you are referencing regarding this matterTo further research your concerns, we request the following: Comenity Bank Account NumberThe amount and date of the purchases You may also contact our Account Protection team directly regarding this matter at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, [redacted] Compliance Dept– Consumer Responses
We received your complaint, addressed to the Revdex.com, regarding your VICTORIA’S SECRET credit card accountComenity Bank issues VICTORIA’S SECRET credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist youI understand your concerns regarding the $returned check fee assessed to your VICTORIA’S SECRET account, and sincerely apologize for any frustration or inconvenience this matter may have caused youAfter a thorough investigation, Bank records indicate that a payment of $was scheduled online on September 23, The Bank processed this payment from your personal bank account as scheduled; however, on September 30, 2016, the payment was returned, as your personal bank account information entered was invalid and/or unable to be locatedAs a result, the $payment was added back to the balance, and a returned check fee of $was applied to the accountPlease note, when a payment is returned on a new account, the Bank will place a restrictive status on the account for a period of ninety daysOnce the Bank receives three months of on-time payments, the restrictive status is removedAlthough there were no Bank errors, in the interest of customer service, the $returned payment fee was credited to the account on October 1, 2016, and we received an additional payment of $34.18, which brought the account balance to zeroIn addition, as requested, on October 1, 2016, your VICTORIA’S SECRET account was closedWe hope you found this information to be helpfulShould you have any further questions, please c ontact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Shawnda Y***
Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the POTTERY BARN credit card We are here to answer your questions and assist with your concerns We understand from your complaint, you were re-billed for items that you returned in June You state that the account was credited $on the July billing statement; however, on the August billing statement, the amount was charged again as two transactions: $and $347.59, totaling $ You state the Bank was contacted and verified this was correct You request a credit adjustment of $ I am happy to share my findings Bank records indicate that you spoke with the Bank on September 26, 2016, regarding the matter On your behalf, a representative disputed the transactions of $and $ While the Bank was investigating this matter, the account was provided a provisional credit for both transactions At the completion of your dispute, and explained in the letter dated November 16, 2016, the transactions were found to be valid and the provisional credits were removed We contacted POTTERY BARN again, on your behalf, regarding this matter We were advised that there was an order charged to the account on May 28, 2016, in the amount of $2, A portion of this purchase, totaling $418.56, was on back order; therefore, on June 8, 2016, POTTERY BARN credited the account $ On July 5, 2016, and July 6, 2016, the items on back order were filled, and charged to the account Please be assured the account was not double charged for these items There is currently a balance of $435.60, with a minimum payment of $27.00, due by December 28, 2016, and no credit is due on the account at this time I hope you have found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM
I am demanding that all communication from Comenity Bank cease immediately.On Friday, January 20, my son returned a Comenity "message" on my phone instructingthe rep to have a letter sent to me indicating what they think I still oweI also requested thisduring another call back to themAs of this date, nothing has been receivedI doubt anything Isay is being entered in their computers.I've enclosed statements and emails from Comenity showing my paymentsTheirconstant calls which tell me nothing are affecting my health; I will be years old in JuneI'veasked reps when they call "why are you still calling me?"One, ***, exclaimed "I don't know,you have no balance." This same answer was given to me by another rep on a different call.I owe nothing to ComenityIf Comenity feels otherwise, they have five days to provideevidence of any debt.Due to the harassing phone calls affecting my state of health, this letter is being copiedto those listed below[redacted] ***
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Marathon *** credit cardWe are here to answer your questions and assist with your concernsWe understand that you closed and paid off your account and then received a statement with a fee assessedAs of your November billing statement, your account balance is $You feel you should not owe this amount, as the account was closedYou are requesting for the account to be closed and the balance brought to zeroAfter a review of your account, the September billing statement indicated a balance of $with a minimum amount of $due by October 7, The payment was received on October 10, 2017, in the amount of $Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement (CCA)As no further payment has been received since October 10, 2017, the account has been assessed an additional late fee according to the CCAThe current balance is $with a minimum payment of $due by December 7, As we have found no errors, we respectfully decline your request to adjust the balance on your accountPlease be assured, the account was closed on October 23, 2017, per your requestI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at [redacted] Sincerely, Diamond ***
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your HSN creditcard accountComenity Capital Bank issues HSN credit card accounts, and we respond to allaccount-related questionsYour complaint was forwarded to my attention, and I appreciate theopportunity to assist you.We understand from the complaint that you made a payment in February that you intended to beapplied to February and March billing statementsYou then contacted the Bank and were advisedthat the Bank does not accept advance payments, which you were unaware ofYou state youwould like the late fee and any interest charges assessed due to this matter be reversed as wellas any negative reporting to be removed from your credit report.We understand your concerns, and sincerely apologize for any inconvenience this matter mayhave caused you.Please understand, Comenity Capital Bank does not allow customers to pay two monthlypayments with one payment, We do ask that a payment be made each billing cycle by the duedateIf needed you are able to make a payment online up to days in advanceIf needed you are able to make a payment online up to days in advance.Although there were no Bank errors, in the interest of customer service, we have issued creditstotaling $for the previously assessed late feeThere were no negative payment informationreported to the credit-reporting agencies, therefore no changes have been made.As of the date of this letter, the balance on your HSN credit card account is $1,201.43.We value you as a customer, and hope you find this information to be helpfulIf you have anyfurther questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Ashley R***
I have a record of dozens of calls from Comenity to my number they say does not exit in their records Easy way to deal with this fact to keep saying they don't have a record - i.e"I know nussing (sic)".Not reputable as far as I am concerned.No further correspondence is necessary until Comenity deals with the facts that I have gotten these calls from them Regards, [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the LOVELOFT Mastercard® credit cardWe are here to answer yourquestions and assist with your concerns.We understand your concerns regarding the vacation package you purchased from [redacted] We previously received and responded to your correspondence submitted to the Bank regardingthis same matterPlease find enclosed a copy of our responses sent to you on November 30,2016, and January 11, Please be advised the Bank’s position remains unchangedAnyconcerns regarding the purchase should be directed to Grand Celebrations at ###-###-####.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L***
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues Pottery Barn credit card accounts, and we respond to account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand your concerns regarding the interest charge that posted to your account for your expired promotional planYou state when your Pottery Barn account was opened you did not receive a credit card or disclosures and you would like all of the previously assessed finance charges removed and your account closed We would like to apologize for any inconvenience this issue may have caused youThe Pottery Barn account was opened on December 7, Bank records indicate that on December 8, 2014, the welcome kit, which includes the credit card, Credit Card Agreement, and disclosures, was mailed to [redacted] *** We have no record of the welcome kit being returned as undeliverable, or any notification from you indicating that the welcome kit was not receivedOur records indicate that a purchase of $3,was charged to the account on December 9, The purchase was placed on a 12-month deferred interest, payment required promotional plan, scheduled to end on December 10, As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date The information was provided on all billing statements in the “details of your plans” section, that should the balance not be paid in full, accrued finance charges, dating back to the original date of purchase, would be assessed to the account On December 10, 2015, as the remaining promotional balance of $1,was not paid in full, finance charges totaling $were assessed to the accountBank records further indicate that on January 16, 2016, an adjustment for $was issued to your account as a courtesy to credit a portion of the previously assessed finance charges Please be advised, as the Bank as found no Banking errors, we are unwilling to make any additional adjustments for the previously assessed interest chargesFor your records we are enclosing a copy of the Credit Card Agreement and copies of your billing statements Please be advised your account was closed per your request on January 13, We hope this information is helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Ashley H***
Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced accountComenity Bank issues the Woman Within credit cardWe are here to answer your questions and assist with your concerns.You state that you are rejecting the Bank’s response dated June 30, 2017, as you and your spouse are not, and have never been, customers of the BankYou further state the Bank should find who the account belongs to, as it does not belong to you or your spouse.Please be assured, on June 30, 2017, notification was sent to the credit reporting agencies with instructions to remove the above-referenced account from your credit bureau report.If you feel that an account may have been opened fraudulently, we suggest that you contact the Bank’s Account Protection (Fraud) team at ###-###-####.If you or your spouse believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:You have the right to place a fraud alert on your credit reportsA fraud alert tells creditors to contact you before they open any new accounts or change your existing accountsTo do this, you can contact any one of the consumer reporting companies mentioned belowIf you contact any one of them, the one you contact is required to notify the other two to place an alert on their files as wellIdentity theft is a crimeYou can file a report with your local police or the police department in the community where the crime took placeMany police departments have a special Identity Theft Report, which is a police report with more than the usual amount of detailIf the detailed Identity Theft Report is available, we recommend you obtain a copy in order to protect your rightsYou can go to the Federal Trade Commission website on identity theft:www.ftc.gov/idtheftIt contains additional information and will refer you to resources that could be helpful in dealing with your situation.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Laura R [redacted] Compliance Dept– Consumer Responses
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Regards, [redacted]
Dear [redacted] ***: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the *** credit accountWe are here to answer your questions and assist with your concernsWe understand from your correspondence, submitted to the Revdex.com, that in May you purchased a pellet stove that was offered with months interest free financingPer the first statement, your payment was due on June 20, 2016, which led you to believe you had until June to pay off the chargeYou state you received a statement in May with interest charges of $due to the promotional balance not being paid in full before it expiredYou are requesting that the interest charge is removed due to you only had months of interest free financing and not the months of interest free financing as promisedOur records indicate on May 13, 2016, a purchase of $4,posted to your account and was placed on a 12-month deferred interest, payment required plan that expired on May 14, For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their accountInterest is accrued (calculated, but not added to the balance), and if the balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balancePlease be advised that information regarding your promotional plan appeared on your monthly billing statements, under the heading, “details of your plans”Additionally, beginning with the March billing statement, notification was provided which advised your promotional plan was expiring soonI have enclosed your billing statements for your reviewPlease be advised that a statement was issued to you on April 24, 2017, showing a balance of $with a minimum payment of $due by May 20, Under the “details of your plans” section of your statement, it stated that the promotional balance of $needed to be paid in full by May 14, 2017, to avoid paying accrued interestThe Bank received a payment of $on May 1, As a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $was assessed to your account on May 25, 2017, and the remaining promotional balance of $was moved to revolving, which is subject to monthly finance chargesAs of the date of this letter, the balance on the account is $1,with a minimum payment of $due by June 20, In regard to your question of the promotional plan being only months, please be assured the purchase was placed on a month interest free promotional plan as the purchase date was May 13, 2016, expiring on May 14, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted] *** [redacted] *** Compliance Dept– Consumer Responses
Dear [redacted] ***: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Overstock Store credit cardWe are here to answer your questions and assist with your concerns You state the Bank has reported the above-referenced account to the credit reporting agencies as being more than days past due, which is not trueYou further state you paid this account in full several days before it was reported as lateYou are requesting to have your credit report corrected to reflect as not late with a zero balance We have reviewed your account and we are happy to share our findings Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee may be assessed to the account, as explained in the Credit Card AgreementAdditionally, if an account is two or more billing periods past due, the delinquency may be reported to the credit reporting agencies On March 9, 2017, a billing statement was issued reflecting a balance of $542.26, and a minimum payment of $28.00, due by April 4, A payment of $posted to the account on April 6, On April 8, 2017, a billing statement was issued reflecting a balance of $551.68, and a minimum payment of $28.00, due by May 4, As no payment was received, the account fell one billing period past due On May 9, 2017, a billing statement was issued reflecting a balance of $975.07, and a minimum payment of $77.00, due by June 4, A payment of $posted to the account on May 16, 2017; however, as the payment was returned from your financial institution due to insufficient funds, a debit of $posted to the account on May 24, As a result, the account fell two billing periods past due, and was reported to the credit bureaus as a day delinquency On June 10, 2017, a payment of $1,posted to the account, and resulted in a zero balance We understand your concern regarding your credit reportWe have verified we are reporting the account payment information correctly to the credit reporting agencies, as we are required by law On June 22, 2017, we sent a request to the credit reporting agencies to update the reporting of the account to reflect a zero balancePlease allow up to days for the credit reporting agencies 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, Laura R [redacted] Compliance Dept– Consumer Responses
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Sportsman’s Guide Buyer’s Club Advantage Rewards Visa credit cardWe are here to answer your questions and assist with your concerns.Your complaint states that you ordered online in July from a third partyYou cancelled the purchase by phone but you continued to receive the product and charges to your accountYou contacted Comenity Bank stating the company was a scam, and you were advised that you needed to engage a third party to pursue the issueYou state that the third party claimed you did not cancel the order; however, you have a recorded phone call of the cancellation, but we would not accept the call as the confirmationYou are requesting a credit totaling $361.79, to refund the charges, and you want Comenity Bank to acknowledge that the company conducting the scam was acting fraudulently.We apologize for any frustration or inconvenience you experienced as a result of this matter.Bank records indicate that you sent two disputes previously with regard to this matterWe investigated your claimsA letter was mailed to you, dated December 15, 2016, which provided the outcome and resolution to your claimAn additional letter was mailed to you, dated January 26, 2017.I have enclosed both letters from Comenity Bank, along with the merchant response and related documents that validate the charges to your account.Comenity Bank is unwilling to issue a credit to your account for $For further questions related to the charges, we encourage you to contact the merchant directly.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y***
We received your additional complaint, regarding the above-referenced accountAs the bank that issueswayfair@ credit card accounts, we are here to help answer your account-related concernsYourcorrespondence, addressed to the Revdex.com, was forwarded to my attention, and I appreciatethe opportunity to respond to your concerns.We understand from your complaint, that you are rejecting our original Revdex.com response for the followingreasons:You state while you were speaking with the Bank the day you submitted this complaint; you wereadvised that your account was no longer in dispute, and that you would receive a refund within 20-days, and that your account showed a credit of $If you are not owed the refund of $550.09, you are requesting to be refunded the extra financecharges you paid off as a result of this matterYou are requesting a copy of your July billing statementYou are disputing the dates and charges listed in the previous Bank response.Please note, Bank records indicate this matter has already been investigated and a response waspreviously issued on September 16, have enclosed a copy of our previous response, as well ascopies of the billing statements which include the July billing statement as you requestedThesebilling statements show the account activity that comprised the account balance for your records.Please note, as of September 26, 2016, the provisional credit of $550.09, has been removed from yourwayfaia credit card account, which will bring your balance to zero.In the interest of customer service, credits for finance charges totaling $32.32, have been issued, resultingin credit balancePlease be assured, we have issued a refund in this amount and you should receive therefund in a separate mailing within 7-0, business days.We apologize for any frustration or inconvenience this matter may have caused you, and hope thisinformation is helpfulShould you have any further questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext [redacted] (TDDmY 1-800-695-788)will be happy to assistyou.Sincerely, Jeanine M***Consumer Relations SpecialistCC: Revdex.com
Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccountComenity Capital Bank previously issued the Ideal Image VIP credit card.We are here to answer your questions and assist with your concerns.In your correspondence, you indicate payment was made on the due date, yet a late fee waschargedYou state the Bank posted the payment one day after it was submitted, but refuses tocredit the late feeYou are unhappy with the customer service you received.We have reviewed the concerns noted in your correspondence, and we would like to provide youwith the following information.The online payment you made on December 7, 2017, for $was submitted at 8:p.m.Eastern Time (ET), which was after the cut-off timeframe of 8:p.mET for same-dayprocessing; therefore, the payment was not posted to your account until the following dayPleasebe advised that our payment cut-off timeframes are disclosed on your monthly billing statementunder a section called "Payments"All fees are valid and they were assessed in accordance toyour Credit Card Agreement.We have reviewed the concerns in your correspondence, as well as the applicable AccountCenter secure messagesWe apologize if you felt you did not receive the best customer service.We never intend to treat our customers in a less-than-satisfactory mannerWe are committed toproviding the best customer service and are disappointed when a customer feels this standardwas 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,Rachel R [redacted]
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I reviewed the response made by the business in reference to complaint ID 11996463, and find the resolution is satisfactory to me Regards, Pearlie G***
Dear [redacted] :Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.Your correspondence states that you believe the previous dispute was held up and you have to accept the findings; however, you are referring to several unauthorized charges made to the account in March 2017, and you are not sure if an investigation was opened for the charges.After reviewing your account, the previous fraud case did not include the March charges, as the claim did not include those chargesPlease be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number 20170619-was opened on June 19, The investigation may take up to days to be completed, and you will be notified by mail of the outcomeThe account has been closed to prevent any further charges.If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:You have the right to place a fraud alert on your credit reportsA fraud alert tells creditors to contact you before they open any new accounts or change your existing accountsTo do this, you can contact any one of the consumer reporting companies mentioned belowIf you contact any one of them, the one you contact is required to notify the other two to place an alert on their files as well [redacted] Identity theft is a crimeYou can file a report with your local police or the police department in the community where the crime took placeMany police departments have a special Identity Theft Report, which is a police report with more than the usual amount of detailIf the detailed Identity Theft Report is available, we recommend you obtain a copy in order to protect your rightsYou can go to the Federal Trade Commission website on identity theft: www.ftc.gov/idtheftIt contains additional information and will refer you to resources that could be helpful in dealing with your situation.I hope you found this information to be helpfulShould you have any additional questions or concerns about the investigation, please contact our Account Protection Team at (800) 888-1726.Sincerely,Shawnda Y***Compliance Dept– Consumer Responsescc: Revdex.com