Dear *** ***We received your additional complaint regarding the above-referenced telephone callsComenityBank issues multiple credit card accounts, and we are here to help answer your account-relatedquestionsYour complaint, addressed to the Revdex.com, was forwarded to myattention, and I appreciate the opportunity to respond to your concerns.We have reviewed the complaint, and our records indicate that the Bank previously respondedto this complaint on March 23, Please be advised that in that response, we advised youwe were unable to locate an account in your name with the information you providedTo betterassist you, we would need additional information to locate the account(s) in question and reviewthe account(s) to see why you are receiving phone callsPlease provide the following so that wecan better assist you:- Complete Comenity Bank Account Number- Any Name(s) of Accountholder- Any Addresses- Home Telephone Number and/or the Telephone Number Being CalledThis information can be mailed to the address listed above, or faxed to my attention at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meI am accepting the Bank's response that they are reviewingAs of yet no resolution has been completed
Regards,
*** ***
Dear *** ** ***We have received the complaint regarding the above-noted accountComenity Capital Bank issues LendingClub Patient Solutions credit accounts, and we are here to help with all account-related questionsYourcomplaint, address to the Revdex.com, was forwarded to my
attention, and I appreciate theopportunity to respond to your concerns.In reviewing your complaint, the Bank understands that you had an appointment with ClearChoice Dental for afree consultationYou state that a Lending Club Patient Solutions account was opened in your name and thecost of the dental implant was charged to your accountFurthermore, you state that after considering the cost,you decided to cancel the appointment and did not have any treatmentsYou are requesting a refund forservices not receivedWe understand your concems and apologize for any inconvenience this may havecaused you.Please be advised that Comenity Capital Bank and ClearChoice Dental, are separate entitiesThe Bank isresponsible for addressing questions related to the Lending Club Patient Solutions credit account, whileClearChoice Dental is responsible for addressing concerns regarding treatments, charges, and refunds.Bank records indicate a charge of $11,posted to the account on January 13, In addition, a creditof $10,posted to your account on February 11, Please be advised that the Bank reached out toClearChoice Dental on your behalf regarding the difference of $1,and was advised that no credit wasdue, as services totaling $1,were provided.Should you wish to further dispute this matter, please contact ClearChoice Dental directly.Please be advised that the balance on your account is $1,In addition, on January 24,2016, yourLending Club Patient Solutions credit account was permanently closed, and reported to the nationalcredit-reporting agencies as an unpaid debt due to non-payment.At this time, we ask that you contact our Recovery Department at ###-###-#### to discuss a paymentplan.We hope the information provided is helpfulShould you have any additional questions or concems, pleasecontact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***
Dear Ms***: We received your complaint, addressed to the Revdex.com, regarding the above-referenced credit card accountComenity Bank issues NEW YORK & COMPANY credit card accounts, and we are here to assist you with all account-related questionsI appreciate the
opportunity to respond to your concerns. We understand from your complaint that you placed an online order, as you received a coupon for $70.00 off a purchase of $The total of your purchase was over $190.00, and your coupon was not appliedYou contacted NEW YORK & COMPANY, and were advised that the coupon had been sent out early and it would not be honored. We understand your concerns, and we sincerely apologize for any frustration or inconvenience this matter may have caused you. Please understand that Comenity Capital Bank and NEW YORK & COMPANY are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while NEW YORK & COMPANY is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Thank you for speaking with me on March 11, 2016, in regard to this matter, and for providing me with front and back copies of the coupon you received. After a thorough investigation, our records indicate on February 24, 2016, a purchase of $was applied to the NEW YORK & COMPANY credit card accountThe coupon offer of $off was not applied to your purchaseTypically, this is something that NEW YORK & COMPANY would resolve, as they are responsible for matters concerning ordersHowever, in the interest of customer service, the Bank has applied a credit of $to your accountThis adjustment will appear on your next billing statement. You are a valued customer and we hope you find this information to be helpfulIf you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Diamond L***
We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above. Comenity Bank issues POTTERY BARN credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention, and I
appreciate the opportunity to respond to your concerns We understand from your complaint that you made purchases under the month interest free promotional plan and the store charged you twice for each of the purchases. You made phone calls to attempt to resolve the error and you filed a dispute because you noticed you were charged interest charges. You received documentation two weeks later from the Bank that you already received credit to your account for the double charge and closed the dispute. You state that the issue was that the interest charges needed to be credited. You are requesting that all interest be removed from your accountWe apologize for any inconvenience this matter may have caused you Our records indicate that three purchases were applied to your account and were placed on the month deferred interest plan. These purchases were also duplicated, and when the duplicate charges were credited to your account, two of the credits were applied to the wrong credit plan. To correct this issue, please be assured that the bank has removed all of the previously assessed finance charges as well as the previously assessed late fees in the amount of $474.65. The remaining revolving balance of $has been moved back to the month deferred interest plan schedule to expire on December 19, 2016. As of today, your total account balance is $ We hope you find this information helpful. If you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H***
This is unnacceptableIf you have such impeccable records, you would see that I called both you AND Victoria's Secret after placing each of those ordersAll calls are recorded, so you should be able to find that during each call, I not only verified my identity - but I also stated that I would be making multiple orders for the same thing and the same amountsI EVEN had to open a complaint with the Revdex.com because two of the gift cards were not refunded back to my account after they were accidently closed and I had to place new ordersThere are multiple calls/notes on my account that will verify that those purchases were made by meI have called Comenity multiple times concerning my card, my payments are drafted monthl of a bank account in MY name, I've spoken with CSRs via the secure messaging center from your website. I refuse to reapply and start with a $credit line after working for two years to get the one I haveThis needs to be fixed. *** ***
Hi ***, Comenity Capital Bank received the complaint for *** ***, Revdex.com Complaint ID# 11962141. In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 02/17/Please let me know
if this extension date is not approved. Thank you,*** ***
*** *** * *** *** ***
*** *** *** *** *** * *** *** *** ***
*** *** *** *** ** ***Office: ###-###-####***
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.Your complaint states that Comenity Bank previously removed the account from your credit report; however, is now reporting the account causing a drop in your credit scoreYou indicate that you filed a police report and have done everything that the Bank requested, yet the Bank only removed the account temporarilyYou request that the account be removed from all credit-reporting agencies.As previously stated in our response dated September 18, 2015, Bank records indicate that the account was opened in your name on March 27, The last purchase of $was charged to the account on September 4, 2013, and the last payment for $was received on September 3, As no further payments have been received, the account wrote-off on March 24, 2014, with an unpaid balance of $1,581.53.You filed a fraud claim with our Account Protection team and a fraud case was establishedCase #***was opened and the account was reported as disputed while the investigation was in progressOn November 11, 2015, after a complete investigation, the Account Protection team found that you were responsible for the account.Please be advised that as you were found responsible for the account and the charges made to the account, the Bank is unwilling to delete the account from your credit file.We apologize for any inconvenience this situation has caused youIf you have further questions or concerns, please contact the Bank’s Account Protection team at ###-###-#### (TDD/TTY ###-###-####)They will be happy to assist you.Sincerely,Shawnda Y***
Dear *** ***: Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Boscov’s credit cardWe are here to answer your questions and assist with your concerns. In your correspondence, you state you were
previously enrolled in automatic payments, and never received notification that the automatic payment option would endIn June 2016, you were reported days late, and contacted the Bank to resolve this matter; however, no one was willing to helpYou are requesting to have the day delinquency removed from your credit report. Please be advised that in March 2016, Boscov’s credit card accounts were converted to Comenity Capital BankA Change in Creditor notice was sent to all converting accountholders on February 25, 2016. Currently, the Bank does not support automatic paymentsThe automatic payments you are referencing would have been arranged with the prior lenderPlease be advised that payment options have been provided on each billing statement issued from the BankThe Bank has issued billing statements to you via Account Center since April 18, 2016. Your account was registered through our online Account Center on April 2, 2016, which provides accountholders the ability to view statements and make payments onlineOn the same date, you enrolled in paperless statements, meaning you will receive your statements online versus postal mail. When enrolled in paperless statements, we will send you a monthly Statement-Ready Email (SRE) notifying you that the statement is available to be viewedThe last SRE was sent on September 18, 2016, and we do not have record of emails being returned as undeliverable from the email address you providedIf you wish to unenroll in paperless statements, please log into Account Center and update this preference, or contact our Customer Care department at the phone number on the back of your card. After a review of the reporting to the credit-agencies, the Boscov’s account was reported one billing past due in July As a one-time courtesy, notification has been sent to the national credit-reporting agencies with instructions to remove the delinquencyPlease allow the credit-reporting agencies 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***
Dear
*** ***We received the complaint
that you sent to the Revdex.com (Revdex.com), regarding the above-noted accounts. Comenity Bank issues Ann Taylor/LOFT,
Express, Victoria's Secret/PINK, and JCrew credit card accounts, and we are
here to help answer account-related
questions. Your inquiry was forwarded to my attention, and I appreciate the opportunity
to address your concerns.We
understand from your correspondence that you have an Ann Taylor/LOFT, Express,
Victoria's Secret/PINK, and a JCrew credit card through Comenity Bank. You state that you have never received a bill
until after it was due and then were charged a $late fee. Additionally you state that Comenity Bank calls
both your office phone and cell phone up to, and sometimes over times, in a
hour period. You request any late
fees be waived and a statement mailed to you immediately.Please note, we have reviewed the above-noted
credit card accounts, and we are pleased to share our findings belowPlease be advised, use of the account, or
failure to close the account within days of receiving the Credit Card
Agreement (CCA), indicated your acceptance of the terms of the agreement,
including the assessment of any finance charges and fees.Ann
Taylor/LOFT Account Our records indicate that the Ann Taylor/LOFT
account was opened on January 17, 2015. On September 22, 2015, a purchase for $was applied to the
account, and on September 28, 2015, a purchase for $was applied to the account. The account billed on October 2, 2015, with a
balance of $and a minimum payment of $25.00, due by October 28, 2015. For your records, I have enclosed a copy of
the October billing statement.Please
be assured, the Ann Taylor/LOFT account was not charged a $late fee.Express
AccountThe Express account was opened on January 17,
2015. The last purchase was charged to
the account on February 20, 2015, in the amount of $308.77. The last payment, in the amount of $322.07, was
received on May 18, 2015, resulting in a zero balance.When an account has no activity and a zero
balance, monthly billing statements are not generated. Due to no activity on the Express account,
and the account balance is zero, no statement was generated since June 2015.Please
be assured, the Express account was not charged a $late fee.Victoria's
Secret/PINK AccountThe Victoria's Secret/PINK account was opened on January 17, 2015. The last purchase was charged to the account
on March 12, 2015, in the amount of $30.99. The last payment, in the amount of $30.99, was received on May 9, 2015, resulting
in a zero balance.Due to no activity on the Victoria's
Secret/PINK account, and the account balance is zero, no statement was
generated since June 2015.Please
be assured, the Victoria's Secret/PINK account was not charged a $late
fee.JCrew
AccountThe JCrewaccount was opened on January 17, 2015. The last purchase was charged to the account on September 30, 2015, in
the amount of $117.00. The last payment,
in the amount of $444.08, was received on September 16, 2015.The account billed on
July 2015, with a balance of $and a minimum payment of $due by July
28, 2015. As no payment was received, a $
late fee and a $finance charge were assessed to the account. The account billed on
August 2, 2015, with a balance of $and a minimum payment of $due
by August 28, 2015. As no payment was
received, a $late fee and a $finance charge were assessed to the
account, resulting in an outstanding balance of $444.08. Our records further indicate
that the July statement was mailed on July 7, 2015, and on July 10, 2015, the
statement was delivered. The August
statement was mailed on August 7, 2015, and on August 11, 2015, the statement
was deliveredOn September 16,
2015, a $payment was received, resulting in a zero balance.On September
30, 2015, a purchase for $was charged to the account. The account billed on October 2, 2015, with a
balance of $and a minimum payment of $due by October 28, 2015. For your records, I have enclosed a copy of
the October billing statement.Although we found no billing errors on the
part of Comenity Bank, in the interest of customer service, a late fee credit
for $has been issued to the account.Please be advised, when the Bank’s records
show an account as delinquent, the Bank will make attempts to contact you
regarding the status of the account. Many times a payment is overlooked
by the customer, and a reminder call is helpful to bring the account back to a
current status. Due to potential negative ramifications for
our customers if an account remains delinquent, Comenity Bank will utilize a dialer
system to place outbound calls to a customer until our attempt to communicate
is successful.If you
wish to no longer receive reminder calls on the dialer, please contact Customer
Care at ###-###-####.We
hope that this information is helpful. If you have any further questions or
concerns regarding the accounts, please contact me directly at ###-###-####,
ext*** (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Tionna M*** *** ***
if you listen to the phone call in February you would hear the guy tell me if I paid it by the end of April my account would not be charged offI made a payment of $in February and paid it off on April 3rd I want it to show paidNot charged off-paid one of your employees told me wrong information so that falls on your company not meSo if it doesn't show PAID and not CHARGED OFF-PAID further actions will be taken
Regards, *** ***
The company claims that they 'attempted' to gain payment from my bank, and that statement is false. My bank did not received any such notification, so charging the customer for a glitch in the company's computer system if not the fault of the customer. The company also sent out emails to me, the customer, stating that the payment was accepted (multiple ones, in fact.) This would have made the account PAID ON TIME and PAID IN FULL!!! I never heard anything else from this company until they sent a huge bill with additional fines and fees. After doing research on the company, they do this regularly to make the customer pay bogus fines and fees that they collect. I am NOT at fault for something they FAILED to do. After I realized what they were trying to do to me, I contacted this company, stating the mistake they had made, and they said that there was nothing they could do. Any company that states that there is nothing they can do about their own mistakes is NOT a company that is ethical. Afterwards, they called NON-STOPPED for months, all hours of the day (early mornings to late at night) and I repeatedly told them to stop calling and to take my name off of their list. Many times I would answer and they would not say anything, just hanging up, waking me up when I had to work. They never attempted to leave a message, and when I asked for a supervisor, they would either put me on hold for so long that I would hang up (an old trick of the trade) or they would hang up on me. I am not paying an unethical company money that they are NOT owed and I want this settled immediately.Thank you! Regards,*** ***
Dear Ms***: We are in receipt of your complaint, submitted to the Revdex.com, regarding the above noted account. As the Bank that issues Old Pueblo Traders credit card accounts, we respond to all account-related inquiries. Your complaint was forwarded to my
attention, and I appreciate this opportunity to assist you. You state that you ordered three blouses, and when the blouses were received they were too large. You further state that you sent the blouses back for a smaller size, you never received any additional items, you called and cancelled the order, and then you received a bill for $24.08, for shipping and handling. Although you have paid the shipping and handling charges, because the payment was nine days late, you have been charged $a month since January 2015. You are requesting for the Bank to quit calling you, and to be left alone. We sincerely apologize for any frustration or inconvenience this matter may have caused you. We have reviewed your account, and we are happy to share our findings. We have enclosed copies of your monthly billing statements, for your review. Please note that Old Pueblo Traders and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to the credit card account. Old Pueblo Traders is responsible for handling matters related to sales, merchandise processing, returns and shipping. Additionally, please keep in mind, when ordering merchandise by mail, the credit card account is charged for the cost of the merchandise, as well as shipping and handling. When the merchandise is returned, the account is credited for the cost of the merchandise only; shipping and handling is not refunded. Additionally, if the customer uses the return label when returning the merchandise, the account is billed $for the cost of the return shipping. Our records indicate that on October 3, 2014, a purchase of $66.96, posted to the account. This order consisted of three OPT cap sleeve t-tops at $each, and shipping and handling charges totaling $12.99. On November 5, 2014, a return of $posted to the account. This return consisted of a credit of $for the three OPT cap sleeve t-tops and a charge of $9.99, for the use of the return label. On November 14, 2014, a billing statement was issued reflecting a balance of $24.06, and a minimum payment of $due by December 10, 2014. As no payment was received by the due date, a late fee and a finance charge were assessed to the account, pursuant to the terms and conditions of the Credit Card Agreement (CCA). On December 19, 2014, a payment of $posted to your account; however, after the payment was received, a balance of $remained. On March 23, 2015, a late fee credit of $posted to the account, and on March 24, 2015, a credit of $posted to the account for the return label fee. Please be assured, in the interest of customer service, Comenity Bank has issued credits totaling $to remove the previously assessed late fees and finance charges. These credits posted to the account on July 15, 2015, 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 which was previously reported, regarding your Old Pueblo Traders account. Please allow the credit-reporting agencies days to update their records. The account was closed, at your request, on March 23, Comenity Bank has notated the telephone numbers ending in 9222, 8149, and 0743, so that you no longer received telephone calls, regarding the Old Pueblo Traders account. All calls should have ceased by this time. 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, Laura R*** Consumer Relations Specialist
as stated beforeThere has been no change in the service I have received and It looks as if no charges will even be madeInstead the response only confirms all the issues I have stated and nothing about change
Regards,*** ***
I have always made all my payments on time and believe we all make mistakesAs a loyal client I think the company should reconsiderI am trying to keep my credit report clean with no la paymentsThis card is not necessity, I love my Victoria secret cardI would however consider closing the card of the company would kindly remove my late paymentThank you in advance
I have checked my credit scores from all bureaus and found them to be in good standingsThe following are the scores: Transunion 698, Equifax 693, Expirian Now I'm not sure where the bank is getting their numbers but I am concerned they are making them up, I have several accounts at work and all of them are in good standing as wellAs stated before I will be closing this account but just wanted people to be aware of this companies practicesAnd of course I will be taking to social media to tell my story.Regards, *** ***
I have been in contact with a Herbergers billing representative manager several times to try to dig down to the root cause of the issueThe Herbergers company representative and I came to the same determinationThat the root cause of the issue was the denial of the credit line at the time of applicationHad the application for a line of credit been accepted I would have received a prompt billing and been made aware of the situationBecause Herbergers had bad data resulting from the continued processing of the credit application after the application had been denied at point of sale and the purchase paid for in cash Herbergers was not processing physical billing or mailing for the account while Herbergers system was continuing to process late billing and delinquent account informationHad I received a single billing or notification that I had an active open account during the first year of Herbergers continuing to process the account as if it were active this situation never would have arisenThis error on behalf of Herbergers has created a very high negative impact to my credit that never should have even been processed and that has continued to snowball out of control. Because of the mat the store level when the debt was paid in full with cash and my credit application was applied for and denied the company has not processed the cancellation of the credit application properly and continues to try to bill me and collect a debt which does not exist.There has been no effort on behalf of Herbergers to communicate with the *** Group to correct the situation or make this rightHerbergers bank Comenity Bank is now claiming in error that the issues has been resolvedThere has been no resolution to this issue or effort on behalf of Herbergers, Comenity Bank or the *** Group to try to resolve this issue accuratelyThe only efforts on behalf of any of the previously mentioned companies have been efforts to collect the erroneous debt
Dear *** ***: We have received the complaint regarding the above-noted accountComenity Capital Bank issues Ideal Image credit accounts, and we respond to all account-related concernsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and
I appreciate the opportunity to assist you. In your complaint, you state that you financed laser treatments for your niece on your Ideal Image account and it was to be interest free for months; however you were assessed the interestYou further state that the statement showed the payments being much less than it should have shown in order to have the balance in full by the plan expiration date; therefore, you were making payments for more than the minimum paymentsYou are requesting that the accrued finance charge assessed to your account be waivedI understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. Our records indicate that on August 26, 2014, a purchase of $2,posted to your account and was placed on an 18-month deferred interest, payment required plan that was set to expire on February 27, For purchases on these plans, 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 the information regarding your promotional plans appeared on your monthly billing statements, under the heading, “details of your plans”I have enclosed your billing statements for your review. Please be advised that a statement was issued to you on February 10, 2016, showing a balance of $167.96 with a minimum payment of $due by March 7, Under the “details of your plans” section of your statement, it stated that the promotional balance of $1,needed to be paid by February 27,2016, to avoid the accrued finance chargeAs 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 February 27, 2016, and the remaining promotional balance of $was moved to revolving, which is subject to monthly finance charges. Although, Comenity Capital Bank did not find any errors with the account, in the interest of customer service, a total credit of $was issued to your account on April 28, Please be advised we are unwilling to remove any additional fees, as they are valid. We hope that this information is helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you. Sincerely, Jenny W***
This is basically a form letter response. What I want from them is to verify the accounts have been closed as requested and the accounts removed from all credit reporting agencies. I do not want the accounts temporarily frozen on put on hold as this leaves open the possibility they will unfreeze them and allow the perpetrator here to charge even more. I WANT THE ACCOUNTS PERMANENTLY CLOSED AND ALL REFERENCES TO THEM REMOVED FROM MY CREDIT REPORTS. Anything less is not acceptableI have supplied them will all the information they request here previously and telling me I have to subpoena information from them in order for them to cooporate is viewed by me as combative and definitely not a sincere attempt to resolve this problem. They required no proof of who was applying for these credit accounts before opening them. I have provided proof of who I am and that I did not open these accounts and received nothing from Comenity Bank. I have returned the affidavit they asked me to fill out and I have written to their clerk of records. Comenity Bank took almost a month to send me the initial affidavit forms to fill out and only opened an investigation a month after they received the affidavit. They are dragging this out as much as possible and there is no reason the process should take this much time. The only reason I can imagine why they want to fight me so hard on closing and eliminating these fraudulent accounts is they are hoping I will pay for them just to get beyond this. Not going to happen. I am innocent here and I want them to take responsibility for their failure to do proper due dilligence prior to opening these accountsI knew nothing about ID theft and credit card theft prior to this problem. But I am learning. They have a legal obligation to provide me with all information they relied on to issue these accounts. I should not have to go to court and get subpoenas to obtain the information. I cannot even file local police reports for the locations relevant until they provide me these documents. I am ready to cooperate with them in any way I can to assist with identifying who they should be trying to collect these debts from. But to be 100% clear it was not me that opened these accounts. And until they provide me with the original documents there is nothing I can do since they are the only ones with any information. Only information I have at present is Comenity Bank is trying to blackmail and cheat me out of my money
Regards, *** ***
Dear *** ***We received your additional complaint regarding the above-referenced telephone callsComenityBank issues multiple credit card accounts, and we are here to help answer your account-relatedquestionsYour complaint, addressed to the Revdex.com, was forwarded to myattention, and I appreciate the opportunity to respond to your concerns.We have reviewed the complaint, and our records indicate that the Bank previously respondedto this complaint on March 23, Please be advised that in that response, we advised youwe were unable to locate an account in your name with the information you providedTo betterassist you, we would need additional information to locate the account(s) in question and reviewthe account(s) to see why you are receiving phone callsPlease provide the following so that wecan better assist you:- Complete Comenity Bank Account Number- Any Name(s) of Accountholder- Any Addresses- Home Telephone Number and/or the Telephone Number Being CalledThis information can be mailed to the address listed above, or faxed to my attention at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meI am accepting the Bank's response that they are reviewingAs of yet no resolution has been completed
Regards,
*** ***
Dear *** ** ***We have received the complaint regarding the above-noted accountComenity Capital Bank issues LendingClub Patient Solutions credit accounts, and we are here to help with all account-related questionsYourcomplaint, address to the Revdex.com, was forwarded to my
attention, and I appreciate theopportunity to respond to your concerns.In reviewing your complaint, the Bank understands that you had an appointment with ClearChoice Dental for afree consultationYou state that a Lending Club Patient Solutions account was opened in your name and thecost of the dental implant was charged to your accountFurthermore, you state that after considering the cost,you decided to cancel the appointment and did not have any treatmentsYou are requesting a refund forservices not receivedWe understand your concems and apologize for any inconvenience this may havecaused you.Please be advised that Comenity Capital Bank and ClearChoice Dental, are separate entitiesThe Bank isresponsible for addressing questions related to the Lending Club Patient Solutions credit account, whileClearChoice Dental is responsible for addressing concerns regarding treatments, charges, and refunds.Bank records indicate a charge of $11,posted to the account on January 13, In addition, a creditof $10,posted to your account on February 11, Please be advised that the Bank reached out toClearChoice Dental on your behalf regarding the difference of $1,and was advised that no credit wasdue, as services totaling $1,were provided.Should you wish to further dispute this matter, please contact ClearChoice Dental directly.Please be advised that the balance on your account is $1,In addition, on January 24,2016, yourLending Club Patient Solutions credit account was permanently closed, and reported to the nationalcredit-reporting agencies as an unpaid debt due to non-payment.At this time, we ask that you contact our Recovery Department at ###-###-#### to discuss a paymentplan.We hope the information provided is helpfulShould you have any additional questions or concems, pleasecontact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***
Dear Ms***: We received your complaint, addressed to the Revdex.com, regarding the above-referenced credit card accountComenity Bank issues NEW YORK & COMPANY credit card accounts, and we are here to assist you with all account-related questionsI appreciate the
opportunity to respond to your concerns. We understand from your complaint that you placed an online order, as you received a coupon for $70.00 off a purchase of $The total of your purchase was over $190.00, and your coupon was not appliedYou contacted NEW YORK & COMPANY, and were advised that the coupon had been sent out early and it would not be honored. We understand your concerns, and we sincerely apologize for any frustration or inconvenience this matter may have caused you. Please understand that Comenity Capital Bank and NEW YORK & COMPANY are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while NEW YORK & COMPANY is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Thank you for speaking with me on March 11, 2016, in regard to this matter, and for providing me with front and back copies of the coupon you received. After a thorough investigation, our records indicate on February 24, 2016, a purchase of $was applied to the NEW YORK & COMPANY credit card accountThe coupon offer of $off was not applied to your purchaseTypically, this is something that NEW YORK & COMPANY would resolve, as they are responsible for matters concerning ordersHowever, in the interest of customer service, the Bank has applied a credit of $to your accountThis adjustment will appear on your next billing statement. You are a valued customer and we hope you find this information to be helpfulIf you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Diamond L***
We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above. Comenity Bank issues POTTERY BARN credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention, and I
appreciate the opportunity to respond to your concerns We understand from your complaint that you made purchases under the month interest free promotional plan and the store charged you twice for each of the purchases. You made phone calls to attempt to resolve the error and you filed a dispute because you noticed you were charged interest charges. You received documentation two weeks later from the Bank that you already received credit to your account for the double charge and closed the dispute. You state that the issue was that the interest charges needed to be credited. You are requesting that all interest be removed from your accountWe apologize for any inconvenience this matter may have caused you Our records indicate that three purchases were applied to your account and were placed on the month deferred interest plan. These purchases were also duplicated, and when the duplicate charges were credited to your account, two of the credits were applied to the wrong credit plan. To correct this issue, please be assured that the bank has removed all of the previously assessed finance charges as well as the previously assessed late fees in the amount of $474.65. The remaining revolving balance of $has been moved back to the month deferred interest plan schedule to expire on December 19, 2016. As of today, your total account balance is $ We hope you find this information helpful. If you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H***
This is unnacceptableIf you have such impeccable records, you would see that I called both you AND Victoria's Secret after placing each of those ordersAll calls are recorded, so you should be able to find that during each call, I not only verified my identity - but I also stated that I would be making multiple orders for the same thing and the same amountsI EVEN had to open a complaint with the Revdex.com because two of the gift cards were not refunded back to my account after they were accidently closed and I had to place new ordersThere are multiple calls/notes on my account that will verify that those purchases were made by meI have called Comenity multiple times concerning my card, my payments are drafted monthl of a bank account in MY name, I've spoken with CSRs via the secure messaging center from your website. I refuse to reapply and start with a $credit line after working for two years to get the one I haveThis needs to be fixed. *** ***
Hi ***, Comenity Capital Bank received the complaint for *** ***, Revdex.com Complaint ID# 11962141. In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 02/17/Please let me know
if this extension date is not approved. Thank you,*** ***
*** *** * *** *** ***
*** *** *** *** *** * *** *** *** ***
*** *** *** *** ** ***Office: ###-###-####***
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.Your complaint states that Comenity Bank previously removed the account from your credit report; however, is now reporting the account causing a drop in your credit scoreYou indicate that you filed a police report and have done everything that the Bank requested, yet the Bank only removed the account temporarilyYou request that the account be removed from all credit-reporting agencies.As previously stated in our response dated September 18, 2015, Bank records indicate that the account was opened in your name on March 27, The last purchase of $was charged to the account on September 4, 2013, and the last payment for $was received on September 3, As no further payments have been received, the account wrote-off on March 24, 2014, with an unpaid balance of $1,581.53.You filed a fraud claim with our Account Protection team and a fraud case was establishedCase #***was opened and the account was reported as disputed while the investigation was in progressOn November 11, 2015, after a complete investigation, the Account Protection team found that you were responsible for the account.Please be advised that as you were found responsible for the account and the charges made to the account, the Bank is unwilling to delete the account from your credit file.We apologize for any inconvenience this situation has caused youIf you have further questions or concerns, please contact the Bank’s Account Protection team at ###-###-#### (TDD/TTY ###-###-####)They will be happy to assist you.Sincerely,Shawnda Y***
Dear *** ***: Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Boscov’s credit cardWe are here to answer your questions and assist with your concerns. In your correspondence, you state you were
previously enrolled in automatic payments, and never received notification that the automatic payment option would endIn June 2016, you were reported days late, and contacted the Bank to resolve this matter; however, no one was willing to helpYou are requesting to have the day delinquency removed from your credit report. Please be advised that in March 2016, Boscov’s credit card accounts were converted to Comenity Capital BankA Change in Creditor notice was sent to all converting accountholders on February 25, 2016. Currently, the Bank does not support automatic paymentsThe automatic payments you are referencing would have been arranged with the prior lenderPlease be advised that payment options have been provided on each billing statement issued from the BankThe Bank has issued billing statements to you via Account Center since April 18, 2016. Your account was registered through our online Account Center on April 2, 2016, which provides accountholders the ability to view statements and make payments onlineOn the same date, you enrolled in paperless statements, meaning you will receive your statements online versus postal mail. When enrolled in paperless statements, we will send you a monthly Statement-Ready Email (SRE) notifying you that the statement is available to be viewedThe last SRE was sent on September 18, 2016, and we do not have record of emails being returned as undeliverable from the email address you providedIf you wish to unenroll in paperless statements, please log into Account Center and update this preference, or contact our Customer Care department at the phone number on the back of your card. After a review of the reporting to the credit-agencies, the Boscov’s account was reported one billing past due in July As a one-time courtesy, notification has been sent to the national credit-reporting agencies with instructions to remove the delinquencyPlease allow the credit-reporting agencies 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***
Dear
*** ***We received the complaint
that you sent to the Revdex.com (Revdex.com), regarding the above-noted accounts. Comenity Bank issues Ann Taylor/LOFT,
Express, Victoria's Secret/PINK, and JCrew credit card accounts, and we are
here to help answer account-related
questions. Your inquiry was forwarded to my attention, and I appreciate the opportunity
to address your concerns.We
understand from your correspondence that you have an Ann Taylor/LOFT, Express,
Victoria's Secret/PINK, and a JCrew credit card through Comenity Bank. You state that you have never received a bill
until after it was due and then were charged a $late fee. Additionally you state that Comenity Bank calls
both your office phone and cell phone up to, and sometimes over times, in a
hour period. You request any late
fees be waived and a statement mailed to you immediately.Please note, we have reviewed the above-noted
credit card accounts, and we are pleased to share our findings belowPlease be advised, use of the account, or
failure to close the account within days of receiving the Credit Card
Agreement (CCA), indicated your acceptance of the terms of the agreement,
including the assessment of any finance charges and fees.Ann
Taylor/LOFT Account Our records indicate that the Ann Taylor/LOFT
account was opened on January 17, 2015. On September 22, 2015, a purchase for $was applied to the
account, and on September 28, 2015, a purchase for $was applied to the account. The account billed on October 2, 2015, with a
balance of $and a minimum payment of $25.00, due by October 28, 2015. For your records, I have enclosed a copy of
the October billing statement.Please
be assured, the Ann Taylor/LOFT account was not charged a $late fee.Express
AccountThe Express account was opened on January 17,
2015. The last purchase was charged to
the account on February 20, 2015, in the amount of $308.77. The last payment, in the amount of $322.07, was
received on May 18, 2015, resulting in a zero balance.When an account has no activity and a zero
balance, monthly billing statements are not generated. Due to no activity on the Express account,
and the account balance is zero, no statement was generated since June 2015.Please
be assured, the Express account was not charged a $late fee.Victoria's
Secret/PINK AccountThe Victoria's Secret/PINK account was opened on January 17, 2015. The last purchase was charged to the account
on March 12, 2015, in the amount of $30.99. The last payment, in the amount of $30.99, was received on May 9, 2015, resulting
in a zero balance.Due to no activity on the Victoria's
Secret/PINK account, and the account balance is zero, no statement was
generated since June 2015.Please
be assured, the Victoria's Secret/PINK account was not charged a $late
fee.JCrew
AccountThe JCrewaccount was opened on January 17, 2015. The last purchase was charged to the account on September 30, 2015, in
the amount of $117.00. The last payment,
in the amount of $444.08, was received on September 16, 2015.The account billed on
July 2015, with a balance of $and a minimum payment of $due by July
28, 2015. As no payment was received, a $
late fee and a $finance charge were assessed to the account. The account billed on
August 2, 2015, with a balance of $and a minimum payment of $due
by August 28, 2015. As no payment was
received, a $late fee and a $finance charge were assessed to the
account, resulting in an outstanding balance of $444.08. Our records further indicate
that the July statement was mailed on July 7, 2015, and on July 10, 2015, the
statement was delivered. The August
statement was mailed on August 7, 2015, and on August 11, 2015, the statement
was deliveredOn September 16,
2015, a $payment was received, resulting in a zero balance.On September
30, 2015, a purchase for $was charged to the account. The account billed on October 2, 2015, with a
balance of $and a minimum payment of $due by October 28, 2015. For your records, I have enclosed a copy of
the October billing statement.Although we found no billing errors on the
part of Comenity Bank, in the interest of customer service, a late fee credit
for $has been issued to the account.Please be advised, when the Bank’s records
show an account as delinquent, the Bank will make attempts to contact you
regarding the status of the account. Many times a payment is overlooked
by the customer, and a reminder call is helpful to bring the account back to a
current status. Due to potential negative ramifications for
our customers if an account remains delinquent, Comenity Bank will utilize a dialer
system to place outbound calls to a customer until our attempt to communicate
is successful.If you
wish to no longer receive reminder calls on the dialer, please contact Customer
Care at ###-###-####.We
hope that this information is helpful. If you have any further questions or
concerns regarding the accounts, please contact me directly at ###-###-####,
ext*** (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Tionna M*** *** ***
if you listen to the phone call in February you would hear the guy tell me if I paid it by the end of April my account would not be charged offI made a payment of $in February and paid it off on April 3rd I want it to show paidNot charged off-paid one of your employees told me wrong information so that falls on your company not meSo if it doesn't show PAID and not CHARGED OFF-PAID further actions will be taken
Regards, *** ***
The company claims that they 'attempted' to gain payment from my bank, and that statement is false. My bank did not received any such notification, so charging the customer for a glitch in the company's computer system if not the fault of the customer. The company also sent out emails to me, the customer, stating that the payment was accepted (multiple ones, in fact.) This would have made the account PAID ON TIME and PAID IN FULL!!! I never heard anything else from this company until they sent a huge bill with additional fines and fees. After doing research on the company, they do this regularly to make the customer pay bogus fines and fees that they collect. I am NOT at fault for something they FAILED to do. After I realized what they were trying to do to me, I contacted this company, stating the mistake they had made, and they said that there was nothing they could do. Any company that states that there is nothing they can do about their own mistakes is NOT a company that is ethical. Afterwards, they called NON-STOPPED for months, all hours of the day (early mornings to late at night) and I repeatedly told them to stop calling and to take my name off of their list. Many times I would answer and they would not say anything, just hanging up, waking me up when I had to work. They never attempted to leave a message, and when I asked for a supervisor, they would either put me on hold for so long that I would hang up (an old trick of the trade) or they would hang up on me. I am not paying an unethical company money that they are NOT owed and I want this settled immediately.Thank you! Regards,*** ***
Dear Ms***: We are in receipt of your complaint, submitted to the Revdex.com, regarding the above noted account. As the Bank that issues Old Pueblo Traders credit card accounts, we respond to all account-related inquiries. Your complaint was forwarded to my
attention, and I appreciate this opportunity to assist you. You state that you ordered three blouses, and when the blouses were received they were too large. You further state that you sent the blouses back for a smaller size, you never received any additional items, you called and cancelled the order, and then you received a bill for $24.08, for shipping and handling. Although you have paid the shipping and handling charges, because the payment was nine days late, you have been charged $a month since January 2015. You are requesting for the Bank to quit calling you, and to be left alone. We sincerely apologize for any frustration or inconvenience this matter may have caused you. We have reviewed your account, and we are happy to share our findings. We have enclosed copies of your monthly billing statements, for your review. Please note that Old Pueblo Traders and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to the credit card account. Old Pueblo Traders is responsible for handling matters related to sales, merchandise processing, returns and shipping. Additionally, please keep in mind, when ordering merchandise by mail, the credit card account is charged for the cost of the merchandise, as well as shipping and handling. When the merchandise is returned, the account is credited for the cost of the merchandise only; shipping and handling is not refunded. Additionally, if the customer uses the return label when returning the merchandise, the account is billed $for the cost of the return shipping. Our records indicate that on October 3, 2014, a purchase of $66.96, posted to the account. This order consisted of three OPT cap sleeve t-tops at $each, and shipping and handling charges totaling $12.99. On November 5, 2014, a return of $posted to the account. This return consisted of a credit of $for the three OPT cap sleeve t-tops and a charge of $9.99, for the use of the return label. On November 14, 2014, a billing statement was issued reflecting a balance of $24.06, and a minimum payment of $due by December 10, 2014. As no payment was received by the due date, a late fee and a finance charge were assessed to the account, pursuant to the terms and conditions of the Credit Card Agreement (CCA). On December 19, 2014, a payment of $posted to your account; however, after the payment was received, a balance of $remained. On March 23, 2015, a late fee credit of $posted to the account, and on March 24, 2015, a credit of $posted to the account for the return label fee. Please be assured, in the interest of customer service, Comenity Bank has issued credits totaling $to remove the previously assessed late fees and finance charges. These credits posted to the account on July 15, 2015, 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 which was previously reported, regarding your Old Pueblo Traders account. Please allow the credit-reporting agencies days to update their records. The account was closed, at your request, on March 23, Comenity Bank has notated the telephone numbers ending in 9222, 8149, and 0743, so that you no longer received telephone calls, regarding the Old Pueblo Traders account. All calls should have ceased by this time. 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, Laura R*** Consumer Relations Specialist
as stated beforeThere has been no change in the service I have received and It looks as if no charges will even be madeInstead the response only confirms all the issues I have stated and nothing about change
Regards,*** ***
I have always made all my payments on time and believe we all make mistakesAs a loyal client I think the company should reconsiderI am trying to keep my credit report clean with no la paymentsThis card is not necessity, I love my Victoria secret cardI would however consider closing the card of the company would kindly remove my late paymentThank you in advance
Please see the attached letter
I have checked my credit scores from all bureaus and found them to be in good standingsThe following are the scores: Transunion 698, Equifax 693, Expirian Now I'm not sure where the bank is getting their numbers but I am concerned they are making them up, I have several accounts at work and all of them are in good standing as wellAs stated before I will be closing this account but just wanted people to be aware of this companies practicesAnd of course I will be taking to social media to tell my story.Regards, *** ***
I have been in contact with a Herbergers billing representative manager several times to try to dig down to the root cause of the issueThe Herbergers company representative and I came to the same determinationThat the root cause of the issue was the denial of the credit line at the time of applicationHad the application for a line of credit been accepted I would have received a prompt billing and been made aware of the situationBecause Herbergers had bad data resulting from the continued processing of the credit application after the application had been denied at point of sale and the purchase paid for in cash Herbergers was not processing physical billing or mailing for the account while Herbergers system was continuing to process late billing and delinquent account informationHad I received a single billing or notification that I had an active open account during the first year of Herbergers continuing to process the account as if it were active this situation never would have arisenThis error on behalf of Herbergers has created a very high negative impact to my credit that never should have even been processed and that has continued to snowball out of control. Because of the mat the store level when the debt was paid in full with cash and my credit application was applied for and denied the company has not processed the cancellation of the credit application properly and continues to try to bill me and collect a debt which does not exist.There has been no effort on behalf of Herbergers to communicate with the *** Group to correct the situation or make this rightHerbergers bank Comenity Bank is now claiming in error that the issues has been resolvedThere has been no resolution to this issue or effort on behalf of Herbergers, Comenity Bank or the *** Group to try to resolve this issue accuratelyThe only efforts on behalf of any of the previously mentioned companies have been efforts to collect the erroneous debt
Dear *** ***: We have received the complaint regarding the above-noted accountComenity Capital Bank issues Ideal Image credit accounts, and we respond to all account-related concernsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and
I appreciate the opportunity to assist you. In your complaint, you state that you financed laser treatments for your niece on your Ideal Image account and it was to be interest free for months; however you were assessed the interestYou further state that the statement showed the payments being much less than it should have shown in order to have the balance in full by the plan expiration date; therefore, you were making payments for more than the minimum paymentsYou are requesting that the accrued finance charge assessed to your account be waivedI understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. Our records indicate that on August 26, 2014, a purchase of $2,posted to your account and was placed on an 18-month deferred interest, payment required plan that was set to expire on February 27, For purchases on these plans, 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 the information regarding your promotional plans appeared on your monthly billing statements, under the heading, “details of your plans”I have enclosed your billing statements for your review. Please be advised that a statement was issued to you on February 10, 2016, showing a balance of $167.96 with a minimum payment of $due by March 7, Under the “details of your plans” section of your statement, it stated that the promotional balance of $1,needed to be paid by February 27,2016, to avoid the accrued finance chargeAs 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 February 27, 2016, and the remaining promotional balance of $was moved to revolving, which is subject to monthly finance charges. Although, Comenity Capital Bank did not find any errors with the account, in the interest of customer service, a total credit of $was issued to your account on April 28, Please be advised we are unwilling to remove any additional fees, as they are valid. We hope that this information is helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you. Sincerely, Jenny W***
This is basically a form letter response. What I want from them is to verify the accounts have been closed as requested and the accounts removed from all credit reporting agencies. I do not want the accounts temporarily frozen on put on hold as this leaves open the possibility they will unfreeze them and allow the perpetrator here to charge even more. I WANT THE ACCOUNTS PERMANENTLY CLOSED AND ALL REFERENCES TO THEM REMOVED FROM MY CREDIT REPORTS. Anything less is not acceptableI have supplied them will all the information they request here previously and telling me I have to subpoena information from them in order for them to cooporate is viewed by me as combative and definitely not a sincere attempt to resolve this problem. They required no proof of who was applying for these credit accounts before opening them. I have provided proof of who I am and that I did not open these accounts and received nothing from Comenity Bank. I have returned the affidavit they asked me to fill out and I have written to their clerk of records. Comenity Bank took almost a month to send me the initial affidavit forms to fill out and only opened an investigation a month after they received the affidavit. They are dragging this out as much as possible and there is no reason the process should take this much time. The only reason I can imagine why they want to fight me so hard on closing and eliminating these fraudulent accounts is they are hoping I will pay for them just to get beyond this. Not going to happen. I am innocent here and I want them to take responsibility for their failure to do proper due dilligence prior to opening these accountsI knew nothing about ID theft and credit card theft prior to this problem. But I am learning. They have a legal obligation to provide me with all information they relied on to issue these accounts. I should not have to go to court and get subpoenas to obtain the information. I cannot even file local police reports for the locations relevant until they provide me these documents. I am ready to cooperate with them in any way I can to assist with identifying who they should be trying to collect these debts from. But to be 100% clear it was not me that opened these accounts. And until they provide me with the original documents there is nothing I can do since they are the only ones with any information. Only information I have at present is Comenity Bank is trying to blackmail and cheat me out of my money
Regards, *** ***