We received your complaint, submitted to the Revdex.com, regarding the above-noted account.Comenity Bank issues Victoria’s Secret/PINK credit cards, and we respond to account-related questions.Your complaint was forwarded to my attention, and I appreciate the opportunity to assist
you.Your complaint states that you were pressured into signing up for Account Assure, which was to assist youduring unemploymentAfter paying on the account, you recently discovered Account Assure does notprotect youOn January 5, 2016, you were laid off of your jobAfter calling, you were advised that yourclaim may be denied and you should continue paying on the balanceFurthermore, you received thepaperwork for your claim, and it indicates that you cannot return it until you have been unemployed for 30days or moreYou want Account Assure to pay off the balance of $726.52, as stated when you enrolled.Bank records indicate you agreed to enroll in Account Assure, an optional debt cancellation program, onDecember 11, Please be assured this telephone call was reviewedWe found that you were providedwith accurate information and you were not advised that this program would pay the balance off immediatelyupon loss of employment.Your Account Assure enrollment packet, forwarded to you after enrollment, contained information regardingthe benefits available to youThe terms and conditions utilized at the time of your enrollment state the 30day vesting periodYou could still qualify for the unemployment benefit days after the date of your loss.The last Account Assure premium was charged to your account on January 1, 2016, and the last paymentof $was received on January 20, As of today, the balance is $720.85.In the interest of customer service, we are happy to adjust the payment to zero for February This willallow you the opportunity to return the claim form to Aon Integramark (AIM)Please understand that if theclaim form is not returned and for any reason the claim is denied, you would be responsible to pay thebalanceIf you have any questions about your claim, you may call AIM at 1.866.***.You are a valued customer and we hope this information is helpfulIf you any further questions or concernsregarding the account, please contact me at 1.800.675.5685, ext*** (TDD/TTY 1.800.695.1788)Iwill be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
Thank you for contacting Comenity Bank, regarding the above-referenced accountsAs the bank thatissues Express and Pier Imports credit card accounts, we are here to assist with all account-relatedquestionsYour complaint, addressed to the Revdex.com, was forwarded to my attention,
andI appreciate the opportunity to respond to your concerns.We understand that you recently reviewed your credit report and found that the accounts are not properlyreporting as settledYou state that this discrepancy is keeping you from obtaining employment and youask that the accounts are updated as paidWe apologize for any frustration or inconvenience this mattermay have caused you.Please be advised that Comenity Bank reports the same information to each of the national credit-reportingagenciesA review of the reporting did indicate a discrepancy in the informationPlease beassured that notification has been sent to the credit-reporting agency with the change that needs to bemadePlease allow days for this information to be updated in their records.In the meantime, please use this letter as confirmation that the above listed accounts were paid in full forless than the full balance.I hope you find this information helpfulShould you have additional account related questions orconcerns, please contact me at 800-675-5685, ext*** (TDD/TTY 800-695-1788)I will be happy toassist you.Geanine M***Consumer Relations SpecialistCC: Revdex.com
March 15, *** ***
*** ** *** *** *** **
*** ** *** RE: *** *** *** *** *** ** ***
*** *** ***
*** *** *** Dear Judy Shaske: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the *** credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint that the account was charged $in December 2016, for a service you did not utilizeYou state you contacted the service provider and cancelled the service on February 11, You state the Bank will not remove the late fee and now an additional late fee has been assessedYou state you should not be charged a late fee for a charge on your account regarding a service you don’t useYou request the late fees be removed and the delinquency removed from your credit reportWe apologize for any frustration and inconvenience you may have experienced regarding this matterI am happy to share my 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, the account will be assessed a late fee, as explained in the Credit Card Agreement Bank records indicate a charge in the amount of $for CC *** posted to the account on December 15, A billing statement was issued January 1, 2017, with a balance of $and a minimum payment of $due by January 27, Due to no payment being received by the due date, a late fee was assessed A billing statement was issued on February 1, 2017, with a balance of $and a minimum payment of $due by February 27, A credit in the amount of $posted to the account on February 16, 2017, crediting the CC *** chargeDue to no payment being received, a late fee of $32.00, and a finance charge of $were assessed to the accountA statement was issued on March 1, 2017, with a balance of $and a minimum payment of $due by March 27, We apologize the Bank associate did not properly resolve this for you when you called on March 7, We are committed to providing the best customer service, and are disappointed when this standard is not metPlease be assured calls of this nature are reviewed by management so additional training/coaching can be provided to our associatesPlease be assured we have credited the Bank fees of $63.00, bringing the balance to zeroAdditionally, we sent instructions to the credit bureaus to remove the 30-day late reported for March Please allow the credit bureaus 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, *** ***
*** ***
*** *** * *** ***
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Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Pottery Barn credit cardWe are here to answer your questions and assist with your concerns. We previously received and responded to your correspondence submitted to the Revdex.com of Ohio regarding this same matter. We are in receipt of the additional information regarding the purchases made on January 17, 2016, which were shipped at two different timesYou state you do not understand why your account is being assessed finance charges at this timeOur records indicate on January 17, 2016, a purchase of $4,posted to your account and was placed on a 12-month deferred interest, payment required plan that expired on January 17, 2017. On February 16, 2016, a purchase of $posted to your account and was placed on a 12-month deferred interest, payment required plain that expired on February 16, 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 information regarding your promotional plan appeared on your monthly billing statements, under the heading, “details of your plans”Additionally, beginning with the December 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 December 17, 2016, showing a balance of $with a minimum payment of $due by January 12, 2017. Under the “details of your plans” section of your statement, it stated that the promotional balance of $needed to be paid in full by January 17, 2017, to avoid paying accrued interestAs the balance on this promotional plan was not received by the plan expiration date the balance was moved to the revolving account and the finance charges were assessed to the account per the Credit Card AgreementA payment of $was received on January 24, 2017, thank you for this paymentAs stated in the previous response letter, the Bank has found that a previous finance charge of $was credited to the account on January 24, 2017, and the Bank is unwilling to credit any additional finance chargesAs of the date of this letter, the account balance is zeroI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820-
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveComenity Bank issues BrylaneHome credit card accounts, and we are here to assist you with all account-related questions or concernsI appreciate the opportunity to
respond to your concerns. We understand from your complaint that you requested a credit limit increase on February 25, A few hours after applying, you received a letter which sated that since we were not able to contact you with the information provided, we could not process your requestEven though we could not process your request, your credit report was pulledYou believe this is an unfair business practice, and your credit score has dropped due to the credit bureau pullYou would like the inquiry removed immediately, as it has affected your credit score, which has affected the interest rate for your home. We have reviewed the issues in your complaint as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Please be advised, in some instances, it is necessary for us to review your credit history to process your requestBased on information in your credit bureau report we are required to contact you using the information provided to the credit bureauSince we were not able to contact you with the information provided, we could not complete the processing of your request. March 8, 2016, notification was sent to the national credit-reporting agencies with instructions to remove the inquiry from your report that was reporting due to the attempt made to increase your credit limitPlease allow the credit-reporting agencies days to update their records. You are a valued customer, and we sincerely apologize for the frustration and inconvenience this matter may have caused youShould you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDFD/TTY ###-###-####)I would be happy to assist you. Sincerely, Amanda R**
Dear Mr***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 your complaint that you were overcharged for a productYou state that youhad cancelled the product, and that you are still receiving statements with a balanceYou furtherstate that you would like to have the billing corrected showing that it has been paid in full.Please understand that Comenity Capital Bank and HSN are two separate entitiesThe Bank isresponsible for addressing questions related to the credit card account, while HSN is responsiblefor handling matters related to sales, merchandise processing, returns, and shipping.Our records indicate that the situation referenced in your complaint has been investigated and aresponse has been previously issued by the Bank on July 11, 6, explaining our findings.Although there are no Bank errors, in the interest of customer service, credits totaling $wereissued on November 4, 6, for the previously assessed Bank fees.Should you have any additional questions or concerns regarding the account, please do nothesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Rosa M***
Dear *** ***:
We received your correspondence, sent to the Revdex.com (Revdex.com), regarding the above-noted account, which was forwarded to Comenity Bank (Bank)Comenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with
your concerns
We understand from your correspondence that you paid the required amount in full, it was not very late, yet you were still charged late feesYou further stated that you received threatening calls to pay more than what was required
We would like to take this moment to explain our findingsIn addition, please be assured, this letter is for informational purposes to respond to your correspondence, and is not an attempt to collect on this balance
On March 16, 2016, we sent a billing statement showing a balance of $55.33, with a minimum payment of $25.00, due by April 11, Since the Bank did not receive your payment by the due date, a late fee was assessed
On April 15, 2016, a new billing statement was mailed showing a balance of $81.56, with a minimum payment, of $due by May 11, On May 15, 2016, Comenity Bank received your payment of $55.33; however, as it was received after the due date, an additional late fee was assessed, leaving a remaining balance due
As of the date of this letter, we have not received any additional payment; therefore, fees have continued to be assessed to the account, bringing the balance to $
Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement (CCA)Enclosed you will find a copy of the CCA, and copies of your billing statements showing the account activity that resulted in the account balance
Furthermore, when our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the accountMany times a payment may be overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempts to communicate is successfulWe apologize for any inconvenience caused by our calls
After a thorough review of Bank records, we find the late fees are valid; however, as a courtesy, we have removed the remaining balance of $Your balance is now zero
I hope you find this information helpfulIf you have any further questions about this account, please contact me at (800) 675-5685, ext*** (TDD/TTY: (800) 695-1788)I will be happy to assist you
Sincerely,
Jack C*** Consumer Relations Specialist
cc: Revdex.com
Dear Ms*** We have received your recent complaint regarding the Catherines credit card accountComenity Bank issues Catherines credit cards, and we are here to help with your account-related questions and concernsYour complaint, addressed to the Revdex.com, was forwarded
to my attention and I appreciate the opportunity to assist you. I understand from your complaint, you have been paying on your Catherines credit card account since October You advise that you have missed only one payment, yet your bill continues to increaseYou note that you feel you have paid the full balance totaling $444.00; therefore, you are disputing the balance of $372.94. You would like to know when your payment towards the Catherines credit card account will end. Bank records indicate the Catherines credit card account was opened on October 13, 2014, and has a current balance of $The last payment received posted to the account on March 5, 2016, for $For your review, I have enclosed a copy of the account Credit Card Agreement (CCA)Use of the account or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and feesI have also enclosed copies of the billing statements which show the account activity that comprised the account balancePlease be advised that your payments are due by the 12th of each monthPlease keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the CCABank records indicate several months of missed and/or late payments Regarding when your Catherines account will be paid off, please be advised that your monthly billing statement provides valuable information under the “payment information section”Please review the “minimum payment warning” which provides you with an approximate date in which the balance will be paid, if you make no new purchases and continue to pay the minimum payment each month. Lastly, in the interest of customer service, credit totaling $in late fees have been applied to your accountPlease allow up to two billing cycles for this adjustment to be reflected. I hope you find this information to be helpfulShould you have any additional questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist youSincerely, Geanine M***
Dear *** *** We havereceived the complaint that you sent to the Revdex.com, regardingthe above-noted account Comenity Bank issues LOVE LOFT creditcard accounts, and we are here to help you with your account-related questions. Your complaint was forwarded to my
attention,and I appreciate the opportunity to address your concerns. Your complaint indicates that you received avoicemail on Tuesday, April 7, 2015, from a Bank representative, stating she wascalling about some information submitted to her office recently and she neededa return call. When you called back, the person who answered the call refused to identify himself or the company. In addition, you have requested the Bank to cease and desist contacting you, regarding any business matter we may have with you Please be assured that we have reviewed theaccount, and the telephone call, and I am happy to explain my findings below When payments are not received by the paymentdue date listed on the monthly billing statements, we will attempt to contactour customers in an effort to assist them in bringing their account to acurrent status. Our records indicate that the LOVE LOFTaccount was opened on May 18, 2010; use of the account, or failure to close theaccount within days of receiving the Credit Card Agreement (CCA), indicatedyour acceptance of the terms of the agreement, including the assessment of anyfinance charges and fees. The last purchase of $was made on February23, 2011, and the last payment of $was received on January 23, 2015. As no further payments were received, onApril 2, 2015, the account was permanently closed and written-off, due tonon-payment, with a balance of $724.18. I have enclosed a copy of the account CreditCard Agreement (CCA), as well as copies of your billing statements which showthe account activity that comprised the account balance and delinquenciesPlease be assured, Comenity Bank will honoryour request to cease all telephone collection attempts for the LOVE LOFT creditcard account. However, you will still beresponsible for the account balance. Additionally,the Bank may contact you by mail, which would be in compliance with state andfederal law. Please contact our Recoveryteam at ###-###-#### to discuss payment arrangements.After reviewing the telephone message in question, no violations weremade. The Bank’s representative followedall Bank procedures. We were unable tolocate the follcall, when you called back.We sincerely apologize for any frustration this situation may havecaused you, and we hopethis information is helpful. Should youhave any further questions or concerns regarding this letter, please contact medirectly at ###-###-####, ext*** (TDD/TTY ###-###-####); I will behappy to assist you.Sincerely,
*** *** Consumer Relations Specialist
[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 11799840, and find the resolution is satisfactory to me
Regards,
Amanda Miller
February 13, *** ***
* *** ***
*** *** *** ** *** RE: *** *** *** *** *** ** ***
*** *** *** *** ** ***
* Dear *** ***: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the iComfort credit card. We are here to answer your questions and assist with your concerns. You state that your bank made an electronic payment in December of 2016, at your request; however, somehow the account number was incorrect. You further state that you received a letter from Comenity Capital Bank regarding this matter, advising that they would research this paymentAs you never heard back from the Bank, you canceled this payment with your bankAlthough you have sent in proof that your bank credited your checking account, Comenity Capital Bank refuses to reverse the chargesYou are requesting to have the $fee removedWe 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. On December 9, 2016, a letter was sent by the Bank, advising that we had received a check from your bill payment service for the above-referenced account; however, the account number was invalid, and additional research was required which caused a delay in the posting of the payment to the accountThe letter also recommended that you contact your bill payment provider to correct the account number in their records, to prevent delays on future payments On January 3, 2017, a payment of $was returned from your bank, due to a stop payment being placed on the check; as such, a debit of $was added to the account, and the account was assessed a $returned check fee On January 30, 2017, you spoke with a representative of the BankDuring the phone call, the representative issued a credit of $to the account to remove the previously assessed returned payment feeThis credit posted to your account on January 31, I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** ***
*** *** * *** *** CC: Revdex.com
their collection practices are both deceptive (not having their bank name on caller ID and not leaving a message) and I do not accept their response. Despite me having to google the phone number, realizing I missed a payment and paying my massive $in full immediatley, they still reported me to the credit bureaus as deliquent causing my credit score to go down. This was because they wait until you are already past days then call w/out message or caller ID. How is a consumer who cannot answer their phones supposed to know that they missed a payment and what is the motivation for the consumer to even pay the bill when the bank has already given them deliquent marks. My credit score is almost - I pay my bills. This is the only bank in the world that does not offer automatic payments, doesn't allow ebills through my bank to get paid on time and purposely waits until your credit rating is damaged to collect on an $debt? That's outrageous and perhaps the Revdex.com isn't where I need to go with this. I will be cancelling that card and any other cards I have with that bank. It is a shame they do business the way they do without incident to them. Again I do not accept this response and you can tell them I will continue to pursue this matter using other avenues until they start practicing fairly. If they had simply called during the grace period like every other credit card they would have been paid right away. I'm just disgusted. I do appreciate the Revdex.com and all the great work you do. Thank you!
Regards,
*** ***
Williams-Sonoma is working directly with this business to resolve this issue on my behalf I consider this resolved pending the refund that Williams-Sonoma stated they will issue to my credit card
Please reference the attached deed indicating the 6/5/date of transferRegardless, in order to resolve this matter I am proposing to issue *** *** a check for the amount of $(months of assessments), provided *** *** agrees to accept this offer, and agrees to keep this matter confidential, refrain from discussing this matter with anyone, and not take any further action, either through legal means, mainstream media and social media
The previous correspondence before this one states that you do not drop the you send a digit routing number. In other correspondences you insist that you do drop the 0. Maybe you need to review your previous correspondences. It cannot be both ways. This back and forth has been a waste of time. Nothing has been resolved because it appears the "customer" you represent is the bank.
Regards,
*** ***
I have had this credit card for yearsSending me a letter telling me that out of those years with the thousand of
dollars that I have spent with this credit card does not make any sense at allThat is horrible service along with the agents that I spoke who had no care of my concernsI Pay my bill in full and never would I imagine such poor service especially since I’m an Angel forever
Dear *** *** Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Simply Be credit card. We are here to answer your questions and assist with your concerns Thank you for taking the time to
speak with me on January 11, 2017. As discussed, the unposted pending transaction of $157.96, will be removed by January 26, 2017, and the amount will be added back to your available credit Please be assured that Comenity Capital Bank did not pull your credit report when we processed the credit limit increase in error. Additionally, I have reviewed all the applicable telephone conversations that took place regarding this matter Matters of this type are reviewed with management so that additional training or coaching can be provided to our associates. Your opinion of the service provided is important to us, and we appreciate the time you spent notifying us of your concerns. Please accept my apology for the frustration and inconvenience this matter may have caused you I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is somewhat satisfactory in terms of what was offered to me
Snow Barker Good morning Revdex.com and Victoria Secret Staff, I did make a payment of the amount $on August29,It was late payment when due date was on August 17,Then the first late fee was courtesy waived, but Victoria Secret still charge me another late fee on the waive late fee on 10,28,So far I did not agree to pay a late fee charge on top another late fee, but I did pay in full two purchases . The second purchase, then I made a return , and it 's balance was $I make that paymant intime on 9-11-, while due date was 9-17-2015. Please find the copied receipts enclosed , files attached and help me to cancel all late fee.Thank you very much for your full attention while waiting for your response Sincerely,
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
Regards, *** ***
We received your complaint, submitted to the Revdex.com, regarding the above-noted account.Comenity Bank issues Victoria’s Secret/PINK credit cards, and we respond to account-related questions.Your complaint was forwarded to my attention, and I appreciate the opportunity to assist
you.Your complaint states that you were pressured into signing up for Account Assure, which was to assist youduring unemploymentAfter paying on the account, you recently discovered Account Assure does notprotect youOn January 5, 2016, you were laid off of your jobAfter calling, you were advised that yourclaim may be denied and you should continue paying on the balanceFurthermore, you received thepaperwork for your claim, and it indicates that you cannot return it until you have been unemployed for 30days or moreYou want Account Assure to pay off the balance of $726.52, as stated when you enrolled.Bank records indicate you agreed to enroll in Account Assure, an optional debt cancellation program, onDecember 11, Please be assured this telephone call was reviewedWe found that you were providedwith accurate information and you were not advised that this program would pay the balance off immediatelyupon loss of employment.Your Account Assure enrollment packet, forwarded to you after enrollment, contained information regardingthe benefits available to youThe terms and conditions utilized at the time of your enrollment state the 30day vesting periodYou could still qualify for the unemployment benefit days after the date of your loss.The last Account Assure premium was charged to your account on January 1, 2016, and the last paymentof $was received on January 20, As of today, the balance is $720.85.In the interest of customer service, we are happy to adjust the payment to zero for February This willallow you the opportunity to return the claim form to Aon Integramark (AIM)Please understand that if theclaim form is not returned and for any reason the claim is denied, you would be responsible to pay thebalanceIf you have any questions about your claim, you may call AIM at 1.866.***.You are a valued customer and we hope this information is helpfulIf you any further questions or concernsregarding the account, please contact me at 1.800.675.5685, ext*** (TDD/TTY 1.800.695.1788)Iwill be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
Thank you for contacting Comenity Bank, regarding the above-referenced accountsAs the bank thatissues Express and Pier Imports credit card accounts, we are here to assist with all account-relatedquestionsYour complaint, addressed to the Revdex.com, was forwarded to my attention,
andI appreciate the opportunity to respond to your concerns.We understand that you recently reviewed your credit report and found that the accounts are not properlyreporting as settledYou state that this discrepancy is keeping you from obtaining employment and youask that the accounts are updated as paidWe apologize for any frustration or inconvenience this mattermay have caused you.Please be advised that Comenity Bank reports the same information to each of the national credit-reportingagenciesA review of the reporting did indicate a discrepancy in the informationPlease beassured that notification has been sent to the credit-reporting agency with the change that needs to bemadePlease allow days for this information to be updated in their records.In the meantime, please use this letter as confirmation that the above listed accounts were paid in full forless than the full balance.I hope you find this information helpfulShould you have additional account related questions orconcerns, please contact me at 800-675-5685, ext*** (TDD/TTY 800-695-1788)I will be happy toassist you.Geanine M***Consumer Relations SpecialistCC: Revdex.com
March 15, *** ***
*** ** *** *** *** **
*** ** *** RE: *** *** *** *** *** ** ***
*** *** ***
*** *** *** Dear Judy Shaske: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the *** credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint that the account was charged $in December 2016, for a service you did not utilizeYou state you contacted the service provider and cancelled the service on February 11, You state the Bank will not remove the late fee and now an additional late fee has been assessedYou state you should not be charged a late fee for a charge on your account regarding a service you don’t useYou request the late fees be removed and the delinquency removed from your credit reportWe apologize for any frustration and inconvenience you may have experienced regarding this matterI am happy to share my 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, the account will be assessed a late fee, as explained in the Credit Card Agreement Bank records indicate a charge in the amount of $for CC *** posted to the account on December 15, A billing statement was issued January 1, 2017, with a balance of $and a minimum payment of $due by January 27, Due to no payment being received by the due date, a late fee was assessed A billing statement was issued on February 1, 2017, with a balance of $and a minimum payment of $due by February 27, A credit in the amount of $posted to the account on February 16, 2017, crediting the CC *** chargeDue to no payment being received, a late fee of $32.00, and a finance charge of $were assessed to the accountA statement was issued on March 1, 2017, with a balance of $and a minimum payment of $due by March 27, We apologize the Bank associate did not properly resolve this for you when you called on March 7, We are committed to providing the best customer service, and are disappointed when this standard is not metPlease be assured calls of this nature are reviewed by management so additional training/coaching can be provided to our associatesPlease be assured we have credited the Bank fees of $63.00, bringing the balance to zeroAdditionally, we sent instructions to the credit bureaus to remove the 30-day late reported for March Please allow the credit bureaus 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, *** ***
*** ***
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Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Pottery Barn credit cardWe are here to answer your questions and assist with your concerns. We previously received and responded to your correspondence submitted to the Revdex.com of Ohio regarding this same matter. We are in receipt of the additional information regarding the purchases made on January 17, 2016, which were shipped at two different timesYou state you do not understand why your account is being assessed finance charges at this timeOur records indicate on January 17, 2016, a purchase of $4,posted to your account and was placed on a 12-month deferred interest, payment required plan that expired on January 17, 2017. On February 16, 2016, a purchase of $posted to your account and was placed on a 12-month deferred interest, payment required plain that expired on February 16, 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 information regarding your promotional plan appeared on your monthly billing statements, under the heading, “details of your plans”Additionally, beginning with the December 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 December 17, 2016, showing a balance of $with a minimum payment of $due by January 12, 2017. Under the “details of your plans” section of your statement, it stated that the promotional balance of $needed to be paid in full by January 17, 2017, to avoid paying accrued interestAs the balance on this promotional plan was not received by the plan expiration date the balance was moved to the revolving account and the finance charges were assessed to the account per the Credit Card AgreementA payment of $was received on January 24, 2017, thank you for this paymentAs stated in the previous response letter, the Bank has found that a previous finance charge of $was credited to the account on January 24, 2017, and the Bank is unwilling to credit any additional finance chargesAs of the date of this letter, the account balance is zeroI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820-
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveComenity Bank issues BrylaneHome credit card accounts, and we are here to assist you with all account-related questions or concernsI appreciate the opportunity to
respond to your concerns. We understand from your complaint that you requested a credit limit increase on February 25, A few hours after applying, you received a letter which sated that since we were not able to contact you with the information provided, we could not process your requestEven though we could not process your request, your credit report was pulledYou believe this is an unfair business practice, and your credit score has dropped due to the credit bureau pullYou would like the inquiry removed immediately, as it has affected your credit score, which has affected the interest rate for your home. We have reviewed the issues in your complaint as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Please be advised, in some instances, it is necessary for us to review your credit history to process your requestBased on information in your credit bureau report we are required to contact you using the information provided to the credit bureauSince we were not able to contact you with the information provided, we could not complete the processing of your request. March 8, 2016, notification was sent to the national credit-reporting agencies with instructions to remove the inquiry from your report that was reporting due to the attempt made to increase your credit limitPlease allow the credit-reporting agencies days to update their records. You are a valued customer, and we sincerely apologize for the frustration and inconvenience this matter may have caused youShould you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDFD/TTY ###-###-####)I would be happy to assist you. Sincerely, Amanda R**
Dear Mr***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 your complaint that you were overcharged for a productYou state that youhad cancelled the product, and that you are still receiving statements with a balanceYou furtherstate that you would like to have the billing corrected showing that it has been paid in full.Please understand that Comenity Capital Bank and HSN are two separate entitiesThe Bank isresponsible for addressing questions related to the credit card account, while HSN is responsiblefor handling matters related to sales, merchandise processing, returns, and shipping.Our records indicate that the situation referenced in your complaint has been investigated and aresponse has been previously issued by the Bank on July 11, 6, explaining our findings.Although there are no Bank errors, in the interest of customer service, credits totaling $wereissued on November 4, 6, for the previously assessed Bank fees.Should you have any additional questions or concerns regarding the account, please do nothesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Rosa M***
Dear *** ***:
We received your correspondence, sent to the Revdex.com (Revdex.com), regarding the above-noted account, which was forwarded to Comenity Bank (Bank)Comenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with
your concerns
We understand from your correspondence that you paid the required amount in full, it was not very late, yet you were still charged late feesYou further stated that you received threatening calls to pay more than what was required
We would like to take this moment to explain our findingsIn addition, please be assured, this letter is for informational purposes to respond to your correspondence, and is not an attempt to collect on this balance
On March 16, 2016, we sent a billing statement showing a balance of $55.33, with a minimum payment of $25.00, due by April 11, Since the Bank did not receive your payment by the due date, a late fee was assessed
On April 15, 2016, a new billing statement was mailed showing a balance of $81.56, with a minimum payment, of $due by May 11, On May 15, 2016, Comenity Bank received your payment of $55.33; however, as it was received after the due date, an additional late fee was assessed, leaving a remaining balance due
As of the date of this letter, we have not received any additional payment; therefore, fees have continued to be assessed to the account, bringing the balance to $
Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement (CCA)Enclosed you will find a copy of the CCA, and copies of your billing statements showing the account activity that resulted in the account balance
Furthermore, when our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the accountMany times a payment may be overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempts to communicate is successfulWe apologize for any inconvenience caused by our calls
After a thorough review of Bank records, we find the late fees are valid; however, as a courtesy, we have removed the remaining balance of $Your balance is now zero
I hope you find this information helpfulIf you have any further questions about this account, please contact me at (800) 675-5685, ext*** (TDD/TTY: (800) 695-1788)I will be happy to assist you
Sincerely,
Jack C*** Consumer Relations Specialist
cc: Revdex.com
Dear Ms*** We have received your recent complaint regarding the Catherines credit card accountComenity Bank issues Catherines credit cards, and we are here to help with your account-related questions and concernsYour complaint, addressed to the Revdex.com, was forwarded
to my attention and I appreciate the opportunity to assist you. I understand from your complaint, you have been paying on your Catherines credit card account since October You advise that you have missed only one payment, yet your bill continues to increaseYou note that you feel you have paid the full balance totaling $444.00; therefore, you are disputing the balance of $372.94. You would like to know when your payment towards the Catherines credit card account will end. Bank records indicate the Catherines credit card account was opened on October 13, 2014, and has a current balance of $The last payment received posted to the account on March 5, 2016, for $For your review, I have enclosed a copy of the account Credit Card Agreement (CCA)Use of the account or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and feesI have also enclosed copies of the billing statements which show the account activity that comprised the account balancePlease be advised that your payments are due by the 12th of each monthPlease keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the CCABank records indicate several months of missed and/or late payments Regarding when your Catherines account will be paid off, please be advised that your monthly billing statement provides valuable information under the “payment information section”Please review the “minimum payment warning” which provides you with an approximate date in which the balance will be paid, if you make no new purchases and continue to pay the minimum payment each month. Lastly, in the interest of customer service, credit totaling $in late fees have been applied to your accountPlease allow up to two billing cycles for this adjustment to be reflected. I hope you find this information to be helpfulShould you have any additional questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist youSincerely, Geanine M***
Dear *** *** We havereceived the complaint that you sent to the Revdex.com, regardingthe above-noted account Comenity Bank issues LOVE LOFT creditcard accounts, and we are here to help you with your account-related questions. Your complaint was forwarded to my
attention,and I appreciate the opportunity to address your concerns. Your complaint indicates that you received avoicemail on Tuesday, April 7, 2015, from a Bank representative, stating she wascalling about some information submitted to her office recently and she neededa return call. When you called back, the person who answered the call refused to identify himself or the company. In addition, you have requested the Bank to cease and desist contacting you, regarding any business matter we may have with you Please be assured that we have reviewed theaccount, and the telephone call, and I am happy to explain my findings below When payments are not received by the paymentdue date listed on the monthly billing statements, we will attempt to contactour customers in an effort to assist them in bringing their account to acurrent status. Our records indicate that the LOVE LOFTaccount was opened on May 18, 2010; use of the account, or failure to close theaccount within days of receiving the Credit Card Agreement (CCA), indicatedyour acceptance of the terms of the agreement, including the assessment of anyfinance charges and fees. The last purchase of $was made on February23, 2011, and the last payment of $was received on January 23, 2015. As no further payments were received, onApril 2, 2015, the account was permanently closed and written-off, due tonon-payment, with a balance of $724.18. I have enclosed a copy of the account CreditCard Agreement (CCA), as well as copies of your billing statements which showthe account activity that comprised the account balance and delinquenciesPlease be assured, Comenity Bank will honoryour request to cease all telephone collection attempts for the LOVE LOFT creditcard account. However, you will still beresponsible for the account balance. Additionally,the Bank may contact you by mail, which would be in compliance with state andfederal law. Please contact our Recoveryteam at ###-###-#### to discuss payment arrangements.After reviewing the telephone message in question, no violations weremade. The Bank’s representative followedall Bank procedures. We were unable tolocate the follcall, when you called back.We sincerely apologize for any frustration this situation may havecaused you, and we hopethis information is helpful. Should youhave any further questions or concerns regarding this letter, please contact medirectly at ###-###-####, ext*** (TDD/TTY ###-###-####); I will behappy to assist you.Sincerely,
*** *** Consumer Relations Specialist
[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 11799840, and find the resolution is satisfactory to me
Regards,
Amanda Miller
February 13, *** ***
* *** ***
*** *** *** ** *** RE: *** *** *** *** *** ** ***
*** *** *** *** ** ***
* Dear *** ***: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the iComfort credit card. We are here to answer your questions and assist with your concerns. You state that your bank made an electronic payment in December of 2016, at your request; however, somehow the account number was incorrect. You further state that you received a letter from Comenity Capital Bank regarding this matter, advising that they would research this paymentAs you never heard back from the Bank, you canceled this payment with your bankAlthough you have sent in proof that your bank credited your checking account, Comenity Capital Bank refuses to reverse the chargesYou are requesting to have the $fee removedWe 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. On December 9, 2016, a letter was sent by the Bank, advising that we had received a check from your bill payment service for the above-referenced account; however, the account number was invalid, and additional research was required which caused a delay in the posting of the payment to the accountThe letter also recommended that you contact your bill payment provider to correct the account number in their records, to prevent delays on future payments On January 3, 2017, a payment of $was returned from your bank, due to a stop payment being placed on the check; as such, a debit of $was added to the account, and the account was assessed a $returned check fee On January 30, 2017, you spoke with a representative of the BankDuring the phone call, the representative issued a credit of $to the account to remove the previously assessed returned payment feeThis credit posted to your account on January 31, I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** ***
*** *** * *** *** CC: Revdex.com
their collection practices are both deceptive (not having their bank name on caller ID and not leaving a message) and I do not accept their response. Despite me having to google the phone number, realizing I missed a payment and paying my massive $in full immediatley, they still reported me to the credit bureaus as deliquent causing my credit score to go down. This was because they wait until you are already past days then call w/out message or caller ID. How is a consumer who cannot answer their phones supposed to know that they missed a payment and what is the motivation for the consumer to even pay the bill when the bank has already given them deliquent marks. My credit score is almost - I pay my bills. This is the only bank in the world that does not offer automatic payments, doesn't allow ebills through my bank to get paid on time and purposely waits until your credit rating is damaged to collect on an $debt? That's outrageous and perhaps the Revdex.com isn't where I need to go with this. I will be cancelling that card and any other cards I have with that bank. It is a shame they do business the way they do without incident to them. Again I do not accept this response and you can tell them I will continue to pursue this matter using other avenues until they start practicing fairly. If they had simply called during the grace period like every other credit card they would have been paid right away. I'm just disgusted. I do appreciate the Revdex.com and all the great work you do. Thank you!
Regards,
*** ***
Williams-Sonoma is working directly with this business to resolve this issue on my behalf I consider this resolved pending the refund that Williams-Sonoma stated they will issue to my credit card
Please reference the attached deed indicating the 6/5/date of transferRegardless, in order to resolve this matter I am proposing to issue *** *** a check for the amount of $(months of assessments), provided *** *** agrees to accept this offer, and agrees to keep this matter confidential, refrain from discussing this matter with anyone, and not take any further action, either through legal means, mainstream media and social media
The previous correspondence before this one states that you do not drop the you send a digit routing number. In other correspondences you insist that you do drop the 0. Maybe you need to review your previous correspondences. It cannot be both ways. This back and forth has been a waste of time. Nothing has been resolved because it appears the "customer" you represent is the bank.
Regards,
*** ***
I have had this credit card for yearsSending me a letter telling me that out of those years with the thousand of
dollars that I have spent with this credit card does not make any sense at allThat is horrible service along with the agents that I spoke who had no care of my concernsI Pay my bill in full and never would I imagine such poor service especially since I’m an Angel forever
Dear *** *** Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Simply Be credit card. We are here to answer your questions and assist with your concerns Thank you for taking the time to
speak with me on January 11, 2017. As discussed, the unposted pending transaction of $157.96, will be removed by January 26, 2017, and the amount will be added back to your available credit Please be assured that Comenity Capital Bank did not pull your credit report when we processed the credit limit increase in error. Additionally, I have reviewed all the applicable telephone conversations that took place regarding this matter Matters of this type are reviewed with management so that additional training or coaching can be provided to our associates. Your opinion of the service provided is important to us, and we appreciate the time you spent notifying us of your concerns. Please accept my apology for the frustration and inconvenience this matter may have caused you I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is somewhat satisfactory in terms of what was offered to me
Snow Barker Good morning Revdex.com and Victoria Secret Staff, I did make a payment of the amount $on August29,It was late payment when due date was on August 17,Then the first late fee was courtesy waived, but Victoria Secret still charge me another late fee on the waive late fee on 10,28,So far I did not agree to pay a late fee charge on top another late fee, but I did pay in full two purchases . The second purchase, then I made a return , and it 's balance was $I make that paymant intime on 9-11-, while due date was 9-17-2015. Please find the copied receipts enclosed , files attached and help me to cancel all late fee.Thank you very much for your full attention while waiting for your response Sincerely,