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 you are a victim of identity theft, you never opened a Victoria’s Secret/PINK account, and you filed a fraud claim with Comenity Bank previously, and you were held responsibleFurthermore, you state that the account has been sold to an outside collection agency, and you want the account recalled and removed from your credit file; it is hurting your credit score and employment.After researching our records, we were unable to locate a Victoria’s Secret/PINK account in your nameWe apologize for any inconvenience or frustration you have experienced as a result of this situationIn order for us to further research your fraud claim, we need additional information to locate the accountPlease provide the following:• The credit card account number• The name as it appears on the account• The social security number of the named accountholderThis information can be mailed to the address above, or you may fax it to my attention to ###-###-####Once received, we will further investigate this situation for you.Again, we apologize for any inconvenience this situation has caused youIf you have further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y*** *** ***
Dear Ms***:We are in receipt of your complaint regarding the above-referenced accountComenity Bankissues NEW YORK & COMPANY credit card accounts and we respond to all account-relatedquestionsYour complaint, addressed to the Revdex.com, was forwarded to myattention, and I
appreciate the opportunity to respond to your concerns.We understand from the complaint, you never received your credit card, nor your billingstatementsDue to this matter, you were unable to make online payments through AccountCenterYou took steps to resolve this matter; however, the credit card account is showing onyour credit bureau report as delinquent.You are requesting Comenity Bank remove the delinquencies from your account, notify the creditbureau, and send you a letter of confirmation that this matter has been resolvedWe apologizefor the frustration this matter may have caused.Please be advised that Comenity Bank reports the same information to each of the national credit reportingagencies; however, a review of the reporting indicated a discrepancyPlease beassured, notification has been sent to Transunion requesting to have the NEW YORK &COMPANY account updatedPlease allow days for this information to be updated in theirrecords.Additionally, I have enclosed copies of the billing statements for your records.I hope you find this information helpfulShould you have any further questions or concerns,please contact me at ###-###-####, ext*** (TDDTTTY ###-###-####)will be happyto assist you.Sincerely,
The copy of the receipt of course indicates that the plan was the month plan because as we've discussed several times now, the associate entered my plan INCORRECTLYIs there a reason I was not put on the month no financing plan? The original costumer service representative told me that the only qualification needed at the time was to buy something $or more which I clearly did, and that there would be no reason why they wouldn't change the plan to the promotional plan I was offered by the sales associate originallyThis is a SCAMTelling associates to have people agree to one financing plan and entering another is not only dishonest but a complete scamI want the rest of the finance charges reversed AS WELL as all finance charges that were accrued while I was advised to NOT pay my balance (Another SCAM to accrue more interest!) I told the representative I wanted to pay the balance completely several times and she told me not too and now I have to pay the finance charges? I don't think soI won't be paying a penny of the remaining $nor the additional monthly $finance charges OR the accrued interest during this dispute!
Regards, *** ***
: I realize this is the end of what the Revdex.com is going to be able to do to assist me but by law you don't get to just take their word for it I provided proof when did Eddie Bauer really didn't receive the merchandise then they should have filed a claim with the shipping company USPS I am under no obligation I have contacted the Federal Trade Commission they are beginning a investigation but in addition they advised me that I should ask you to begin arbitration and we will have a third party legally binding resolve our dispute please advise me of the organization your bank uses for arbitration
Regards, *** ***
Dear *** *** ***We received your complaint, addressed to the Revdex.com, regarding a credit card account.Comenity Bank issues Stage credit card accounts, and we respond to all account-related questions andconcernsYour complaint was forwarded to my attention, and I appreciate
the opportunity to assist you.We understand from your complaint that a payment was made online through an account that you havepreviously utilized to make paymentsThe online payment you made an May 1, 2015, was returned, andyour Stage account was assessed a $return payment fee, You contacted you bank that managesyour checking account, and was advised that there was no record of Comenity Bank trying to deduct apayment of $for the above mentioned account.We would like to apologize for any inconvenience this issue may have caused; however, Bank recordsindicate that you are listed as an authorized buyer and not the primary account holderPlease beadvised, authorized buyers are eligible to make purchases and payments on the account, remove theirname from a credit card account, and, if given permission by the primary account holder, can discussaccount informationAuthorized buyers are prohibited to make or suggest changes on the credit cardaccount.Due to this matter, Comenity Bank cannot release account information to you as a third party nor makeadjustment to the Stage credit card account, on your behalf.We have reached out to the primary account holder directly regarding this mater. Sincerely,*** ***Consumer Relations Specialist
RE: VICTORIA’S SECRET Credit Card Account Ending In *** Revdex.com Complaint ID #*** Dear *** ***:
We received your complaint, submitted to the Revdex.com, regarding the above referenced
accountAs the bank that issues VICTORIA’S SECRET credit card accounts,
we are
here to assist you with account-related questionsYour complaint was forwarded to my attention,
and I appreciate the opportunity to respond to your concerns
We understand your concerns regarding the late fee that was charged to your VICTORIA’S
SECRET account, and the service you received when contacting the BankYou have requested
the Bank remove a late payment, and for an executive to follwith you
Please be assured that your complaint has reached the executive department which reviews and
responds to complaints
After a thorough review of your account, our records indicate the payment due date on your
VICTORIA’S SECRET account is the 11th of every monthPlease keep in mind, when payments
are not received, are received after the due date, or are made for less than the minimum required,
the account may be assessed a late fee and finance charge, as explained in the Credit Card
Agreement
After a thorough review, our records indicate that billing statements were mailed to you on
September 15, 2016, and October 16, 2016, reflecting minimum payments due for October 11,
2016, and November 11, As payments were not received for the requested due dates, the
account was assessed late fees totaling $
As the fees are valid, there are no Bank errors, and the Bank previously removed a late fee on
April 22, 2016, we are unwilling to remove any additional late fees at this time
I reviewed the applicable telephone call mentioned in your complaint, and we understand your
concerns with the level of service provided to youWe apologize for the experience that resulted
from the conversation with our associate, and the information you were providedPlease be
assured that Comenity Bank strives to provide world-class service and immediate action will take
place to coach our associate in providing a more positive experience to our customersIt is never
our intention to cause a customer a hardship
We understand customers may experience difficulty making their payments due to economic
factorsYou may be eligible for enrollment in our 12-Month Customer Hardship Program, or in
our Customer Long-Term Workout ProgramThese programs can provide customers with special
terms in order to help bring the account currentIf you are interested in obtaining information on
whether you qualify for one of these programs, please call ###-###-####
In addition, we also urge customers who are experiencing financial difficulties to contact a nonprofit
Consumer Credit Counseling Service (CCCS) organization for assistanceTheir programs
can provide options such as reducing the interest rate and the minimum payment requirement,
and could include all of your creditorsComenity Bank supports and participates in the programs
provided by CCCS agenciesShould you wish to obtain information regarding their programs,
and for a member agency located near you, please contact the National Foundation for Credit
Counseling at ###-###-####
We hope you find this information to be helpfulShould you have any further questions, please
contact me at ###-###-####, ext(TDD/TTY ###-###-####)I will be happy to assist
you
Sincerely,
Shawnda Y***
Consumer Relations Specialist
CC: Revdex.com
Dear Mr***We received your complaint, addressed to the Revdex.com, regarding your LANE BRYANTcredit card accountComenity Bank issues LANE BRYANT credit card accounts, and we respond to allaccount-related questionsYour complaint was forwarded to my attention, and I appreciate
the opportunityto assist you.We understand from the complaint that you opened the above-referenced LANE BRYANT credit cardaccount for your wife as she did not qualify for an account at the timeYou state that you set a hard creditlimit of $300; however the credit line continued to increaseYou state that you were never contacted toapprove the credit limit increaseYou also state that on this account your wife failed to meet the minimumdue payments on time, resulting in you receiving collections calls and lettersYou state that you haverequested that Comenity Bank place the above-referenced account in your wife’s name, remove your namefrom the account and remove all references regarding your name from all credit-reporting agencies;however your requests have been ignored.After a thorough investigation, Bank records indicate that the HSN account was opened on March 25, 2009,in the name of *** ***.Records indicate there was never a credit limit hold placed on the accountPlease understand thatComenity Bank will periodically review the account to see if it is eligible for a credit limit increaseLastly,please be assured as of November 7, the above referenced account has been closed.Comenity Bank vigorously pursues any individual who is suspected of perpetration of a fraudThis mayinclude contact with various local, state, and federal law enforcement agenciesFor your convenience, wehave enclosed a copy of an Identity Theft Victim’s Complaint and Affidavit from the Federal TradeCommissionIf you would like to make a claim of fraud, please complete the affidavit in blue or black inkand return it to our Account Protection team at the following address.Comenity BankAccount Protection TeamPO Box 182686Columbus, OH 43218-2686A fraud investigation will begin once the affidavit is returned and processedIf we do not receive thecompleted document, we will assume that you do not wish to pursue this fraud claim and that you areaccepting full responsibility for the account, the transactions, and the terms and conditions outlined in theCCA.Please be advised, once a fraud investigation has been opened, a letter will be sent to the address listed at the top of this letter with the case numberInvestigations may take 60-days to be completed, at which time written notification will be sent.We respectfully decline your request to place the above-referenced account in your wife’s name.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 is 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 attempt to communicate is successful.We understand customers may experience difficulty making their payments due to economic factorsYou may be eligible for enrollment in our 12-Month Customer Hardship Program, or in our Customer Long-Term Workout ProgramThese programs can provide customers with special terms in order to help bring the account currentIf you are interested in obtaining information on whether you qualify for one of these programs, please call ###-###-####.Additionally, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistanceTheir programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditorsComenity Bank supports and participates in the programs provided by CCCS agenciesShould you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####.We value you as a customer, and 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,Ashley R***____________________________________________________________________________...⇄ Dear Mr***We received your complaint, addressed to the Revdex.com, regarding your HSN credit card accountComenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.We understand from the complaint that an account was illegally opened up under your name by your wife, as she did not qualify for an accountYou state that Comenity Capital Bank never contacted you to verify this applicationYou also state that on this account your wife failed to make the minimum due payments on time, resulting in you receiving collections calls and lettersYou state that you have requested that Comenity Capital Bank place the above-referenced account in your wife’s name, remove your name from the account and remove all references regarding your name from all credit-reporting agencies; however your requests have been ignored.After a thorough investigation, Bank records indicate that the HSN account was opened on January 21, 2014, in the name of *** ***.Comenity Capital Bank vigorously pursues any individual who is suspected of perpetration of a fraudThis may include contact with various local, state, and federal law enforcement agenciesFor your convenience, we have enclosed a copy of an Identity Theft Victim’s Complaint and Affidavit from the Federal Trade CommissionIf you would like to make a claim of fraud, please complete the affidavit in blue or black ink and return it to our Account Protection team at the following address.Comenity Capital BankAccount Protection TeamPO Box 182686Columbus, OH 43218-2686A fraud investigation will begin once the affidavit is returned and processedIf we do not receive the completed document, we will assume that you do not wish to pursue this fraud claim and that you are accepting full responsibility for the account, the transactions, and the terms and conditions outlined in the CCA.Please be advised, once a fraud investigation has been opened, a letter will be sent to the address listed at the top of this letter with the case numberInvestigations may take 60-days to be completed, at which time written notification will be sent.We respectfully decline your request to place the above-referenced account in your wife’s name.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 is 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 attempt to communicate is successful.Additionally, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistanceTheir programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditorsComenity Capital Bank supports and participates in the programs provided by CCCS agenciesShould you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####.We value you as a customer, and 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,Ashley R***
Dear Mr*** Thank you for your additional complaint, addressed to the Revdex.com, regarding the above-noted accountComenity Bank issues WESTGATE RESORTS MasterCard account and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate this opportunity to assist youYour complaint indicates that you contacted WESTGATE RESORTS and they have agreed to cancel the membership and issue your account a credit for $6,You were advised that the creditwould be sent to Comenity Bank within to business daysBank records indicate a credit in the amount of $6,has been received from WESTGATE RESORTS on July 28, In the interest of customer service, an additional credit in the amount of $has also been issued to remove the bank fees, leaving a zero balance on your WESTGATE RESORTS MasterCard accountWe hope this information is helpfulShould you have any further questions or concerns regarding the account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)Sincerely, Rosa M***
the last balance I owe was 1,dollars, I did not have such a high limit s to have a thousand dollar bill, I sent the dollar payment as per the settlementThis is not the correct bill or statement, since comenity does not seem to care about their Revdex.com rating, I have sent copies of all correspondence and phone calls and their messages to the attorney general of the state of *** and to the u.sattorney general, I will be taking my father to various doctors as he must under go treatment for prostrate cancer, I will answer all communication as quickly as I can but there may be some delay because of appointments,
Dear *** ***:Thank you for your recent complaint regarding the above-referenced New York & Company credit card accountComenity Bank issues New York & Company card accounts and we respond to all account-related questionsYour correspondence to the Revdex.com was
forwarded to my attention and I appreciate the opportunity to address your concerns.I understand that it was not your intention to open a New York & Company credit card account and that you are requesting free credit monitoring for your credit reportI apologize for any frustration or inconvenience you may have experienced regarding this issue.Please be assured the account was closed per your request on June 9, 2015.Because this account was opened without your permission, and it was reported to the credit bureaus, the action Comenity Bank must take to correct this situation is to remove the account, in its entirety, from the national credit-reporting agenciesPlease allow days for the credit bureaus to update their records.Furthermore, the Bank respectfully declines your request for free credit monitoring for your credit report.I 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,*** ***Consumer Relations Specialist
Dear Ms*** We have received your recent complaint, addressed to the Revdex.com, regarding the above-noted account. Comenity Bank previously issued Dots credit card accounts, and we respond to all
account-related inquiries. Your complaint was forwarded to my attention, and I appreciate this opportunity to assist youI understand your concerns regarding the balance on the account, your enrollment in the Account Assure debt cancellation program and that, as a result of your unemployment status, you feel that Account Assure should pay the balance owed on the account. I apologize for any frustration or inconvenience you have experienced as a result of this situationPlease understand that Comenity Bank and AON Integramark, which administers Account Assure, are two separate entities. Comenity Bank is responsible for addressing questions related to your credit card account, while AON Integramark is responsible for matters related to the Account Assure debt cancellation program, including the filing of claimsA review of our records indicates that your Dots account was opened on July 16, 2013, and a charge of $was placed on the account that day. On July 23, 2013, a billing statement was sent to you with a balance of $80.95, and a minimum payment of $25.00, due by August 18, 2013. As no payment was received by the due date, a late fee and finance charge were assessed to the accountOn August 13, 2013, a purchase of $was charged to the account. Additionally, you enrolled in the Account Assure debt cancellation program on August 14, 2013, and the monthly premium of $was charged to your account on August 23, 2013. Also on August 23, 2013, a billing statement was sent to you with a balance of $175.88, and a minimum payment of $32.00, due by September 18, 2013. As no payment was received by the due date, a late fee and finance charge were assessed to the accountMonthly billing statements continued to be sent; however, no payments were received for the due dates in October 2013, November 2013, December 2013, January 2014, or February 2014. The Account Assure program enrollment was cancelled on October 23, 2013, due to the account delinquency The account was written off and reported to the national credit-reporting agencies as a bad debt on February 20, 2014. Furthermore, the account was sold to Crown Asset Management, a collection agency, on November 19, 2014. They may be reached at ###-###-####. We reached out to AON Integramark, on your behalf, regarding any claims submitted for coverage. Enclosed, please find the documentation we were provided for a disability claim. As noted in the correspondence, the claim initiation date was October 29, 2013. As noted above, the Account Assure enrollment was cancelled on October 23, 2013, which was prior to the onset of the claimed eventAdditionally, please be advised that claims for coverage under the Account Assure debt cancellation program must be received by AON Integramark within days of the qualifying event. Finally, please be aware that notification has been sent to the credit-reporting agencies to delete Comenity Bank’s reporting of the above-noted account, in its entirety, from your credit bureau report. Please allow days for the credit-reporting agency to update their records. I hope you find this information to be helpful. If you have any additional questions about your account, you may contact Crown Asset Management at the telephone number provided. They would be happy to assist youSincerely, Melissa L***
Dear Ms***We received your additional complaint, addressed to the Revdex.com, regarding theabove-noted accountAs the bank that previously issued your American Signature Furniturecredit card account, we respond to account-related questionsYour concern was forwarded tomy
attention, and I appreciate the opportunity to respond.Our records indicate that the situation referenced in your correspondence has already beeninvestigated, and we have previously responded to this inquiryA copy of our previousresponse, dated October 6, 5, is enclosed for your reference.Please be advised that the Bank's position remains unchanged and we consider the matterclosed.We hope you find this information to be helpfulShould you have any further questions orconcerns, you may contact me at ###-###-####,e xt*** (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely,Melissa L*** *** *** ***
The explanation given does not serve as validation Documentation doesIn Comenity's rebutal message, they claim to have attached the billing statments and account activity for the time period in which the account defaulted, but they didn't There are no enclosures or attachments receivedI am unwilling to take their word for itPlease supply me with validation as originally requested or delete the trade line
Regards, *** ***
Dear Ms***:We received your complaint, addressed to the Revdex.com, regarding theapplications referenced aboveComenity Bank issues Lane Bryant Retail, Venus, and Victoria'sSecreffPINK credit cards, and we are here to assist you with all application-related questionsIappreciate
the opportunity to respond to your concerns.We understand from your complaint that you applied for the Lane Bryant RetailVenus, andVictoria's SecretlPlNK accounts; and you have been denied without being provided anexplanationYou further state that when you requested a reconsideration we refused andadvised you to contact the credit agencies for further informationYou also advised that you area victim of identity theft, which has gravely affected your credit score.Bank records indicate that we received the above referenced applications from July 2015, toOctober 12, Comenity Bank uses an electric scoring system when reviewing andapproving credit applicationsApplications are evaluated using information from both theapplication and the credit bureau report, including the credit score that we obtain for theapplicant from the credit reporting agenciesPlease find enclosed letters that explain thereasons for the declined applications which were sent to you at the address provided on yourapplications.In addition to the credit score that is obtained from the credit bureau, the Bank uses its internalscoring system to establish an internal risk score that is used in evaluating applicationsTheinternal score is determined based on various factors, including information from the creditbureau report, such as your credit score, as well as application information.Comenity Bank records indicate we were unable to approve the above referenced applicationsdue to the Bank's internal risk scoring model, which was outside the Banks credit-approvalguidelinesPlease note that this score is not the credit bureau score from Equifax, Experian orTransunion, but rather an internal score based upon review of the aforementioned information.For detailed information about your credit report and credit score you would need to contact thecredit-reporting agencies, as we are unable to give out credit report informationPlease seebelow the credit reporting agencies contact information.We only pull credit once in a day time span, per client you are applying for, as a policyDueto the credit-reporting agencies updating once evely 30-days, we are unwilling to reconsideryou applicationsYou are welcome to reapply days from the date of the last application perthe Lane Bryant RetailVenus, and Victoria's SecretPINK credit applications.We hope you have found this information helpfulIf you have any further questions, pleasecontact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy toassist you.Sincerely,Diamond L*** *** ***
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Wayfair Card credit cardWe are here to answer your questions and assist with your concerns We understand from your additional complaint that you returned the merchandise upon receipt and there should be no late chargesI am happy to share my findings As advised in the previous correspondence, the item was received by Wayfair; however, you were provided a merchandise credit for the return which can be used toward future purchasesDue to the account not receiving a credit for the returned item, the balance is valid 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. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM***
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 your account-related questionsYour complaint was forwarded to my attention, and I
appreciate the opportunity to assist you.We understand from your complaint that you have been in a car accident and your hours at work have been reducedAs such, you are asking the Bank to lower your Annual Percentage Rate (APR) and agree to a set amount so that you can pay off your account.We are sorry to hear about your car accident and we hope your situation improves quicklyAfter reviewing our records, the account has a current balance of $1,582.04, and the account is currentThe current APR is 24.99% and is the best offer we have available at this time for your account.Although your account does not qualify for a reduction in the APR or balance, to assist you during this time and, in the interest of customer service, we have suppressed the finance charges from being applied to the account for three billing periods (June, July, and August 2015)This means that the payments you make on your account will all be applied to the principal balanceIf you still have a balance after the August billing period, the finance charges will begin to be assessed at the rate of 24.99%.In addition, as a suggestion, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistanceTheir programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditorsComenity Bank supports and participates in the programs provided by CCCS agenciesShould you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####.You are a valued customer and we hope this information is helpfulShould you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me. THANK YOU!
Regards,
*** ***
This is not a customer of ours. Beall, Incis an independently owned franchise of Miracle-EarWe own Miracle-Ear centers in Ohio, Indiana, and KentuckyWe do not own all of the Miracle-Ear centers in those states and do not own any Miracle-Ear center in any other state. Beall, Inc
is a proud member of the Revdex.com and have been for almost yearsSometimes when customers of other Miracle-Ear franchisees or other hearing aid companies search the Revdex.com to file a complaint, they assume that Beall, Incis the national company and that we fit their hearing aids. I recommend that this person check the purchase agreement for the correct address of the business they purchased from or they may contact the consumer affairs at the franchisor, Miracle-Ear at ###-###-#### Ext *Miracle-Ear has a great process for customer satisfaction. Since we did not see this customer, please don't count it a complaint against Beall, IncWe value our A+ rating. Thank you, Scott BeallPresident __________________________________________ DrScott GB*** Au.D, CCC-A, ACA, BC-HISBoard Certified in Audiology President, Beall Inc.Managing Member, Hearing Services LLCChester RoadSuite 425Cincinnati, OH 45246 Tel: ###-###-#### Extension 104Personal FAX: ###-###-####[email protected]
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding the above-referenced account and application. Comenity Bank issues New York & Company credit card accounts, and we are here to help with your account and application-related
questions. Your correspondence was forwarded to my attention, and I appreciate the opportunity to assist you. We understand your concerns regarding the New York & Company application submitted while you shopped in Daytona Beach, and the inactive New York & Company account showing on your credit report. We apologize for any frustration or confusion this situation may have caused you. Additionally, we understand you were dissatisfied with the service that you received from one of our associates. Comenity Bank does not condone that a customer be treated with disrespect at any time, and I certainly apologize if you were made to feel that way. Our management team reviews calls and letters of this nature and makes appropriate recommendations for training or counseling purposes should that be necessary. Please be assured, your concerns will be reviewed by our management team and their recommendations regarding an appropriate resolution will be followed. Bank records show that a New York & Company application was submitted by a store associate via Quick Credit on July 24, 2015. A credit report is routinely reviewed when an application for credit is processed. During this review, an open New York & Company account was located; however, the open account had been inactive for over a year, which required credit verification to reactivate. In order to complete the reactivation of an inactive account, a specific credit review process is required which includes reviewing a customer’s credit report. When the associate requested to review your credit report for reactivation, you declined; therefore, the account could not be reactivated and the duplicate application was declined Since you did not intend to open an additional New York & Company account, but wished to use your existing account, as a courtesy we have requested to have the application inquiry of July 24, 2015, removed from your credit bureau report. Additionally, as you requested, your existing New York & Company account was closed on July 24, 2015. Please allow the credit-reporting agencies days to update their records with these changes. I hope this information has been helpful to you. Should you have any additional questions, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Melissa L*** *** *** ***
Yes, the payments were made from my bank debit card to pay credit card accountPayments were always sent days before due date, payment were pending then always were clear days before payment were dueMy payments reached them two to three days early
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 you are a victim of identity theft, you never opened a Victoria’s Secret/PINK account, and you filed a fraud claim with Comenity Bank previously, and you were held responsibleFurthermore, you state that the account has been sold to an outside collection agency, and you want the account recalled and removed from your credit file; it is hurting your credit score and employment.After researching our records, we were unable to locate a Victoria’s Secret/PINK account in your nameWe apologize for any inconvenience or frustration you have experienced as a result of this situationIn order for us to further research your fraud claim, we need additional information to locate the accountPlease provide the following:• The credit card account number• The name as it appears on the account• The social security number of the named accountholderThis information can be mailed to the address above, or you may fax it to my attention to ###-###-####Once received, we will further investigate this situation for you.Again, we apologize for any inconvenience this situation has caused youIf you have further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y*** *** ***
Dear Ms***:We are in receipt of your complaint regarding the above-referenced accountComenity Bankissues NEW YORK & COMPANY credit card accounts and we respond to all account-relatedquestionsYour complaint, addressed to the Revdex.com, was forwarded to myattention, and I
appreciate the opportunity to respond to your concerns.We understand from the complaint, you never received your credit card, nor your billingstatementsDue to this matter, you were unable to make online payments through AccountCenterYou took steps to resolve this matter; however, the credit card account is showing onyour credit bureau report as delinquent.You are requesting Comenity Bank remove the delinquencies from your account, notify the creditbureau, and send you a letter of confirmation that this matter has been resolvedWe apologizefor the frustration this matter may have caused.Please be advised that Comenity Bank reports the same information to each of the national credit reportingagencies; however, a review of the reporting indicated a discrepancyPlease beassured, notification has been sent to Transunion requesting to have the NEW YORK &COMPANY account updatedPlease allow days for this information to be updated in theirrecords.Additionally, I have enclosed copies of the billing statements for your records.I hope you find this information helpfulShould you have any further questions or concerns,please contact me at ###-###-####, ext*** (TDDTTTY ###-###-####)will be happyto assist you.Sincerely,
The copy of the receipt of course indicates that the plan was the month plan because as we've discussed several times now, the associate entered my plan INCORRECTLYIs there a reason I was not put on the month no financing plan? The original costumer service representative told me that the only qualification needed at the time was to buy something $or more which I clearly did, and that there would be no reason why they wouldn't change the plan to the promotional plan I was offered by the sales associate originallyThis is a SCAMTelling associates to have people agree to one financing plan and entering another is not only dishonest but a complete scamI want the rest of the finance charges reversed AS WELL as all finance charges that were accrued while I was advised to NOT pay my balance (Another SCAM to accrue more interest!) I told the representative I wanted to pay the balance completely several times and she told me not too and now I have to pay the finance charges? I don't think soI won't be paying a penny of the remaining $nor the additional monthly $finance charges OR the accrued interest during this dispute!
Regards, *** ***
: I realize this is the end of what the Revdex.com is going to be able to do to assist me but by law you don't get to just take their word for it I provided proof when did Eddie Bauer really didn't receive the merchandise then they should have filed a claim with the shipping company USPS I am under no obligation I have contacted the Federal Trade Commission they are beginning a investigation but in addition they advised me that I should ask you to begin arbitration and we will have a third party legally binding resolve our dispute please advise me of the organization your bank uses for arbitration
Regards, *** ***
Dear *** *** ***We received your complaint, addressed to the Revdex.com, regarding a credit card account.Comenity Bank issues Stage credit card accounts, and we respond to all account-related questions andconcernsYour complaint was forwarded to my attention, and I appreciate
the opportunity to assist you.We understand from your complaint that a payment was made online through an account that you havepreviously utilized to make paymentsThe online payment you made an May 1, 2015, was returned, andyour Stage account was assessed a $return payment fee, You contacted you bank that managesyour checking account, and was advised that there was no record of Comenity Bank trying to deduct apayment of $for the above mentioned account.We would like to apologize for any inconvenience this issue may have caused; however, Bank recordsindicate that you are listed as an authorized buyer and not the primary account holderPlease beadvised, authorized buyers are eligible to make purchases and payments on the account, remove theirname from a credit card account, and, if given permission by the primary account holder, can discussaccount informationAuthorized buyers are prohibited to make or suggest changes on the credit cardaccount.Due to this matter, Comenity Bank cannot release account information to you as a third party nor makeadjustment to the Stage credit card account, on your behalf.We have reached out to the primary account holder directly regarding this mater. Sincerely,*** ***Consumer Relations Specialist
RE: VICTORIA’S SECRET Credit Card Account Ending In *** Revdex.com Complaint ID #*** Dear *** ***:
We received your complaint, submitted to the Revdex.com, regarding the above referenced
accountAs the bank that issues VICTORIA’S SECRET credit card accounts,
we are
here to assist you with account-related questionsYour complaint was forwarded to my attention,
and I appreciate the opportunity to respond to your concerns
We understand your concerns regarding the late fee that was charged to your VICTORIA’S
SECRET account, and the service you received when contacting the BankYou have requested
the Bank remove a late payment, and for an executive to follwith you
Please be assured that your complaint has reached the executive department which reviews and
responds to complaints
After a thorough review of your account, our records indicate the payment due date on your
VICTORIA’S SECRET account is the 11th of every monthPlease keep in mind, when payments
are not received, are received after the due date, or are made for less than the minimum required,
the account may be assessed a late fee and finance charge, as explained in the Credit Card
Agreement
After a thorough review, our records indicate that billing statements were mailed to you on
September 15, 2016, and October 16, 2016, reflecting minimum payments due for October 11,
2016, and November 11, As payments were not received for the requested due dates, the
account was assessed late fees totaling $
As the fees are valid, there are no Bank errors, and the Bank previously removed a late fee on
April 22, 2016, we are unwilling to remove any additional late fees at this time
I reviewed the applicable telephone call mentioned in your complaint, and we understand your
concerns with the level of service provided to youWe apologize for the experience that resulted
from the conversation with our associate, and the information you were providedPlease be
assured that Comenity Bank strives to provide world-class service and immediate action will take
place to coach our associate in providing a more positive experience to our customersIt is never
our intention to cause a customer a hardship
We understand customers may experience difficulty making their payments due to economic
factorsYou may be eligible for enrollment in our 12-Month Customer Hardship Program, or in
our Customer Long-Term Workout ProgramThese programs can provide customers with special
terms in order to help bring the account currentIf you are interested in obtaining information on
whether you qualify for one of these programs, please call ###-###-####
In addition, we also urge customers who are experiencing financial difficulties to contact a nonprofit
Consumer Credit Counseling Service (CCCS) organization for assistanceTheir programs
can provide options such as reducing the interest rate and the minimum payment requirement,
and could include all of your creditorsComenity Bank supports and participates in the programs
provided by CCCS agenciesShould you wish to obtain information regarding their programs,
and for a member agency located near you, please contact the National Foundation for Credit
Counseling at ###-###-####
We hope you find this information to be helpfulShould you have any further questions, please
contact me at ###-###-####, ext(TDD/TTY ###-###-####)I will be happy to assist
you
Sincerely,
Shawnda Y***
Consumer Relations Specialist
CC: Revdex.com
Dear Mr***We received your complaint, addressed to the Revdex.com, regarding your LANE BRYANTcredit card accountComenity Bank issues LANE BRYANT credit card accounts, and we respond to allaccount-related questionsYour complaint was forwarded to my attention, and I appreciate
the opportunityto assist you.We understand from the complaint that you opened the above-referenced LANE BRYANT credit cardaccount for your wife as she did not qualify for an account at the timeYou state that you set a hard creditlimit of $300; however the credit line continued to increaseYou state that you were never contacted toapprove the credit limit increaseYou also state that on this account your wife failed to meet the minimumdue payments on time, resulting in you receiving collections calls and lettersYou state that you haverequested that Comenity Bank place the above-referenced account in your wife’s name, remove your namefrom the account and remove all references regarding your name from all credit-reporting agencies;however your requests have been ignored.After a thorough investigation, Bank records indicate that the HSN account was opened on March 25, 2009,in the name of *** ***.Records indicate there was never a credit limit hold placed on the accountPlease understand thatComenity Bank will periodically review the account to see if it is eligible for a credit limit increaseLastly,please be assured as of November 7, the above referenced account has been closed.Comenity Bank vigorously pursues any individual who is suspected of perpetration of a fraudThis mayinclude contact with various local, state, and federal law enforcement agenciesFor your convenience, wehave enclosed a copy of an Identity Theft Victim’s Complaint and Affidavit from the Federal TradeCommissionIf you would like to make a claim of fraud, please complete the affidavit in blue or black inkand return it to our Account Protection team at the following address.Comenity BankAccount Protection TeamPO Box 182686Columbus, OH 43218-2686A fraud investigation will begin once the affidavit is returned and processedIf we do not receive thecompleted document, we will assume that you do not wish to pursue this fraud claim and that you areaccepting full responsibility for the account, the transactions, and the terms and conditions outlined in theCCA.Please be advised, once a fraud investigation has been opened, a letter will be sent to the address listed at the top of this letter with the case numberInvestigations may take 60-days to be completed, at which time written notification will be sent.We respectfully decline your request to place the above-referenced account in your wife’s name.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 is 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 attempt to communicate is successful.We understand customers may experience difficulty making their payments due to economic factorsYou may be eligible for enrollment in our 12-Month Customer Hardship Program, or in our Customer Long-Term Workout ProgramThese programs can provide customers with special terms in order to help bring the account currentIf you are interested in obtaining information on whether you qualify for one of these programs, please call ###-###-####.Additionally, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistanceTheir programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditorsComenity Bank supports and participates in the programs provided by CCCS agenciesShould you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####.We value you as a customer, and 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,Ashley R***____________________________________________________________________________...⇄ Dear Mr***We received your complaint, addressed to the Revdex.com, regarding your HSN credit card accountComenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.We understand from the complaint that an account was illegally opened up under your name by your wife, as she did not qualify for an accountYou state that Comenity Capital Bank never contacted you to verify this applicationYou also state that on this account your wife failed to make the minimum due payments on time, resulting in you receiving collections calls and lettersYou state that you have requested that Comenity Capital Bank place the above-referenced account in your wife’s name, remove your name from the account and remove all references regarding your name from all credit-reporting agencies; however your requests have been ignored.After a thorough investigation, Bank records indicate that the HSN account was opened on January 21, 2014, in the name of *** ***.Comenity Capital Bank vigorously pursues any individual who is suspected of perpetration of a fraudThis may include contact with various local, state, and federal law enforcement agenciesFor your convenience, we have enclosed a copy of an Identity Theft Victim’s Complaint and Affidavit from the Federal Trade CommissionIf you would like to make a claim of fraud, please complete the affidavit in blue or black ink and return it to our Account Protection team at the following address.Comenity Capital BankAccount Protection TeamPO Box 182686Columbus, OH 43218-2686A fraud investigation will begin once the affidavit is returned and processedIf we do not receive the completed document, we will assume that you do not wish to pursue this fraud claim and that you are accepting full responsibility for the account, the transactions, and the terms and conditions outlined in the CCA.Please be advised, once a fraud investigation has been opened, a letter will be sent to the address listed at the top of this letter with the case numberInvestigations may take 60-days to be completed, at which time written notification will be sent.We respectfully decline your request to place the above-referenced account in your wife’s name.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 is 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 attempt to communicate is successful.Additionally, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistanceTheir programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditorsComenity Capital Bank supports and participates in the programs provided by CCCS agenciesShould you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####.We value you as a customer, and 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,Ashley R***
Dear Mr*** Thank you for your additional complaint, addressed to the Revdex.com, regarding the above-noted accountComenity Bank issues WESTGATE RESORTS MasterCard account and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate this opportunity to assist youYour complaint indicates that you contacted WESTGATE RESORTS and they have agreed to cancel the membership and issue your account a credit for $6,You were advised that the creditwould be sent to Comenity Bank within to business daysBank records indicate a credit in the amount of $6,has been received from WESTGATE RESORTS on July 28, In the interest of customer service, an additional credit in the amount of $has also been issued to remove the bank fees, leaving a zero balance on your WESTGATE RESORTS MasterCard accountWe hope this information is helpfulShould you have any further questions or concerns regarding the account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)Sincerely, Rosa M***
the last balance I owe was 1,dollars, I did not have such a high limit s to have a thousand dollar bill, I sent the dollar payment as per the settlementThis is not the correct bill or statement, since comenity does not seem to care about their Revdex.com rating, I have sent copies of all correspondence and phone calls and their messages to the attorney general of the state of *** and to the u.sattorney general, I will be taking my father to various doctors as he must under go treatment for prostrate cancer, I will answer all communication as quickly as I can but there may be some delay because of appointments,
Dear *** ***:Thank you for your recent complaint regarding the above-referenced New York & Company credit card accountComenity Bank issues New York & Company card accounts and we respond to all account-related questionsYour correspondence to the Revdex.com was
forwarded to my attention and I appreciate the opportunity to address your concerns.I understand that it was not your intention to open a New York & Company credit card account and that you are requesting free credit monitoring for your credit reportI apologize for any frustration or inconvenience you may have experienced regarding this issue.Please be assured the account was closed per your request on June 9, 2015.Because this account was opened without your permission, and it was reported to the credit bureaus, the action Comenity Bank must take to correct this situation is to remove the account, in its entirety, from the national credit-reporting agenciesPlease allow days for the credit bureaus to update their records.Furthermore, the Bank respectfully declines your request for free credit monitoring for your credit report.I 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,*** ***Consumer Relations Specialist
Dear Ms*** We have received your recent complaint, addressed to the Revdex.com, regarding the above-noted account. Comenity Bank previously issued Dots credit card accounts, and we respond to all
account-related inquiries. Your complaint was forwarded to my attention, and I appreciate this opportunity to assist youI understand your concerns regarding the balance on the account, your enrollment in the Account Assure debt cancellation program and that, as a result of your unemployment status, you feel that Account Assure should pay the balance owed on the account. I apologize for any frustration or inconvenience you have experienced as a result of this situationPlease understand that Comenity Bank and AON Integramark, which administers Account Assure, are two separate entities. Comenity Bank is responsible for addressing questions related to your credit card account, while AON Integramark is responsible for matters related to the Account Assure debt cancellation program, including the filing of claimsA review of our records indicates that your Dots account was opened on July 16, 2013, and a charge of $was placed on the account that day. On July 23, 2013, a billing statement was sent to you with a balance of $80.95, and a minimum payment of $25.00, due by August 18, 2013. As no payment was received by the due date, a late fee and finance charge were assessed to the accountOn August 13, 2013, a purchase of $was charged to the account. Additionally, you enrolled in the Account Assure debt cancellation program on August 14, 2013, and the monthly premium of $was charged to your account on August 23, 2013. Also on August 23, 2013, a billing statement was sent to you with a balance of $175.88, and a minimum payment of $32.00, due by September 18, 2013. As no payment was received by the due date, a late fee and finance charge were assessed to the accountMonthly billing statements continued to be sent; however, no payments were received for the due dates in October 2013, November 2013, December 2013, January 2014, or February 2014. The Account Assure program enrollment was cancelled on October 23, 2013, due to the account delinquency The account was written off and reported to the national credit-reporting agencies as a bad debt on February 20, 2014. Furthermore, the account was sold to Crown Asset Management, a collection agency, on November 19, 2014. They may be reached at ###-###-####. We reached out to AON Integramark, on your behalf, regarding any claims submitted for coverage. Enclosed, please find the documentation we were provided for a disability claim. As noted in the correspondence, the claim initiation date was October 29, 2013. As noted above, the Account Assure enrollment was cancelled on October 23, 2013, which was prior to the onset of the claimed eventAdditionally, please be advised that claims for coverage under the Account Assure debt cancellation program must be received by AON Integramark within days of the qualifying event. Finally, please be aware that notification has been sent to the credit-reporting agencies to delete Comenity Bank’s reporting of the above-noted account, in its entirety, from your credit bureau report. Please allow days for the credit-reporting agency to update their records. I hope you find this information to be helpful. If you have any additional questions about your account, you may contact Crown Asset Management at the telephone number provided. They would be happy to assist youSincerely, Melissa L***
Dear Ms***We received your additional complaint, addressed to the Revdex.com, regarding theabove-noted accountAs the bank that previously issued your American Signature Furniturecredit card account, we respond to account-related questionsYour concern was forwarded tomy
attention, and I appreciate the opportunity to respond.Our records indicate that the situation referenced in your correspondence has already beeninvestigated, and we have previously responded to this inquiryA copy of our previousresponse, dated October 6, 5, is enclosed for your reference.Please be advised that the Bank's position remains unchanged and we consider the matterclosed.We hope you find this information to be helpfulShould you have any further questions orconcerns, you may contact me at ###-###-####,e xt*** (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely,Melissa L*** *** *** ***
The explanation given does not serve as validation Documentation doesIn Comenity's rebutal message, they claim to have attached the billing statments and account activity for the time period in which the account defaulted, but they didn't There are no enclosures or attachments receivedI am unwilling to take their word for itPlease supply me with validation as originally requested or delete the trade line
Regards, *** ***
Dear Ms***:We received your complaint, addressed to the Revdex.com, regarding theapplications referenced aboveComenity Bank issues Lane Bryant Retail, Venus, and Victoria'sSecreffPINK credit cards, and we are here to assist you with all application-related questionsIappreciate
the opportunity to respond to your concerns.We understand from your complaint that you applied for the Lane Bryant RetailVenus, andVictoria's SecretlPlNK accounts; and you have been denied without being provided anexplanationYou further state that when you requested a reconsideration we refused andadvised you to contact the credit agencies for further informationYou also advised that you area victim of identity theft, which has gravely affected your credit score.Bank records indicate that we received the above referenced applications from July 2015, toOctober 12, Comenity Bank uses an electric scoring system when reviewing andapproving credit applicationsApplications are evaluated using information from both theapplication and the credit bureau report, including the credit score that we obtain for theapplicant from the credit reporting agenciesPlease find enclosed letters that explain thereasons for the declined applications which were sent to you at the address provided on yourapplications.In addition to the credit score that is obtained from the credit bureau, the Bank uses its internalscoring system to establish an internal risk score that is used in evaluating applicationsTheinternal score is determined based on various factors, including information from the creditbureau report, such as your credit score, as well as application information.Comenity Bank records indicate we were unable to approve the above referenced applicationsdue to the Bank's internal risk scoring model, which was outside the Banks credit-approvalguidelinesPlease note that this score is not the credit bureau score from Equifax, Experian orTransunion, but rather an internal score based upon review of the aforementioned information.For detailed information about your credit report and credit score you would need to contact thecredit-reporting agencies, as we are unable to give out credit report informationPlease seebelow the credit reporting agencies contact information.We only pull credit once in a day time span, per client you are applying for, as a policyDueto the credit-reporting agencies updating once evely 30-days, we are unwilling to reconsideryou applicationsYou are welcome to reapply days from the date of the last application perthe Lane Bryant RetailVenus, and Victoria's SecretPINK credit applications.We hope you have found this information helpfulIf you have any further questions, pleasecontact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy toassist you.Sincerely,Diamond L*** *** ***
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Wayfair Card credit cardWe are here to answer your questions and assist with your concerns We understand from your additional complaint that you returned the merchandise upon receipt and there should be no late chargesI am happy to share my findings As advised in the previous correspondence, the item was received by Wayfair; however, you were provided a merchandise credit for the return which can be used toward future purchasesDue to the account not receiving a credit for the returned item, the balance is valid 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. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM***
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 your account-related questionsYour complaint was forwarded to my attention, and I
appreciate the opportunity to assist you.We understand from your complaint that you have been in a car accident and your hours at work have been reducedAs such, you are asking the Bank to lower your Annual Percentage Rate (APR) and agree to a set amount so that you can pay off your account.We are sorry to hear about your car accident and we hope your situation improves quicklyAfter reviewing our records, the account has a current balance of $1,582.04, and the account is currentThe current APR is 24.99% and is the best offer we have available at this time for your account.Although your account does not qualify for a reduction in the APR or balance, to assist you during this time and, in the interest of customer service, we have suppressed the finance charges from being applied to the account for three billing periods (June, July, and August 2015)This means that the payments you make on your account will all be applied to the principal balanceIf you still have a balance after the August billing period, the finance charges will begin to be assessed at the rate of 24.99%.In addition, as a suggestion, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistanceTheir programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditorsComenity Bank supports and participates in the programs provided by CCCS agenciesShould you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####.You are a valued customer and we hope this information is helpfulShould you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me. THANK YOU!
Regards,
*** ***
This is not a customer of ours. Beall, Incis an independently owned franchise of Miracle-EarWe own Miracle-Ear centers in Ohio, Indiana, and KentuckyWe do not own all of the Miracle-Ear centers in those states and do not own any Miracle-Ear center in any other state. Beall, Inc
is a proud member of the Revdex.com and have been for almost yearsSometimes when customers of other Miracle-Ear franchisees or other hearing aid companies search the Revdex.com to file a complaint, they assume that Beall, Incis the national company and that we fit their hearing aids. I recommend that this person check the purchase agreement for the correct address of the business they purchased from or they may contact the consumer affairs at the franchisor, Miracle-Ear at ###-###-#### Ext *Miracle-Ear has a great process for customer satisfaction. Since we did not see this customer, please don't count it a complaint against Beall, IncWe value our A+ rating. Thank you, Scott BeallPresident __________________________________________ DrScott GB*** Au.D, CCC-A, ACA, BC-HISBoard Certified in Audiology President, Beall Inc.Managing Member, Hearing Services LLCChester RoadSuite 425Cincinnati, OH 45246 Tel: ###-###-#### Extension 104Personal FAX: ###-###-####[email protected]
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding the above-referenced account and application. Comenity Bank issues New York & Company credit card accounts, and we are here to help with your account and application-related
questions. Your correspondence was forwarded to my attention, and I appreciate the opportunity to assist you. We understand your concerns regarding the New York & Company application submitted while you shopped in Daytona Beach, and the inactive New York & Company account showing on your credit report. We apologize for any frustration or confusion this situation may have caused you. Additionally, we understand you were dissatisfied with the service that you received from one of our associates. Comenity Bank does not condone that a customer be treated with disrespect at any time, and I certainly apologize if you were made to feel that way. Our management team reviews calls and letters of this nature and makes appropriate recommendations for training or counseling purposes should that be necessary. Please be assured, your concerns will be reviewed by our management team and their recommendations regarding an appropriate resolution will be followed. Bank records show that a New York & Company application was submitted by a store associate via Quick Credit on July 24, 2015. A credit report is routinely reviewed when an application for credit is processed. During this review, an open New York & Company account was located; however, the open account had been inactive for over a year, which required credit verification to reactivate. In order to complete the reactivation of an inactive account, a specific credit review process is required which includes reviewing a customer’s credit report. When the associate requested to review your credit report for reactivation, you declined; therefore, the account could not be reactivated and the duplicate application was declined Since you did not intend to open an additional New York & Company account, but wished to use your existing account, as a courtesy we have requested to have the application inquiry of July 24, 2015, removed from your credit bureau report. Additionally, as you requested, your existing New York & Company account was closed on July 24, 2015. Please allow the credit-reporting agencies days to update their records with these changes. I hope this information has been helpful to you. Should you have any additional questions, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Melissa L*** *** *** ***
Yes, the payments were made from my bank debit card to pay credit card accountPayments were always sent days before due date, payment were pending then always were clear days before payment were dueMy payments reached them two to three days early