Dear Ms***We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountComenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to helpanswer your account-related questionsYour complaint, was forwarded to my attention, and I
appreciatethe opportunity to assist you.You state that you were never notified of the account closure and that you received a new card with anupgrade to VIP previouslyYou attempted to use your card after activating it and the purchase wasdeclinedYou called the Bank and was advised that the account was closed on June and a letter wassent to you; however, you never got a letter and the account has always been in good standingYou askedto speak to a manager who also advised of why the account was closed and that we could not locate theletter; matter of fact, no letter was sentYou want your VICTORIA’S SECRET account reopened.We have researched your concerns and we would like to provide the following information.In regard to your account being closed, the Bank sent a statement message on July 6, 2016, advising theaccount was closed because you have at least one other account with the Bank that is in an extremedelinquency statusA copy of the statement has been enclosed with this letterPlease note the CreditCard Agreement gives us the right to investigate customer credit records and to close an account at anytime, for any reason.While the credit card can no longer be used for purchases, you are still responsible for paying any remainingbalance on your account, if applicable.Please be assured that we reviewed the applicable telephone call mentioned in your complaintWesincerely apologize for the confusion and frustration you may have been caused when speaking to ourassociates, and that our associates were not able to explain that the account closure information wasprovided to you on the statement mentioned aboveWe have taken immediate action to coach ourassociates with regard to this matter.The Bank is unwilling to reopen the account; however, you are welcome to reapply for another account atany time.We hope this information is helpfulIf you have any further questions or concerns, please contact me at###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the NY&C Rewards credit cardWe are here to answer your questions and assist with your concerns We understand from your additional complaint that your last payment was made on December 1, 2016, and you were charged two late fees. You are requesting to have your account balance cleared and your credit card closed. We apologize for the inconvenience this matter may have caused you Bank records indicate that your November billing statement was issued with a balance of $and a minimum payment of $was due by December 1, 2016. As no payment was received by the due date, a late fee of $was assessed to your account On December 2, 2016, a payment of $was applied to your account. December 6, 2016, a billing statement was issued with a balance of $due January 1, 2017. As no payment was received by the due date a late fee of $and finance charge of $was assessed to your account Please be advised, your payments are due by the first of each month. If a payment is received after the due date, or for less than the requested minimum amount due, a late fee and finance charges may be assessed to the account, pursuant of the terms and conditions of the Credit Card Agreement The Bank is willing to remove one late fee in a eighteen month time period, as a courtesy. Our records indicate that a late fee credit in the amount of $was issued to your account on July 25, 2016. Another courtesy late fee credit of $was issued on August 23, 2016. Unfortunately, the bank is unwilling to make any additional adjustments to your account for the previously assessed late fees Per your request we have closed your account. Although your account is closed, we hope you continue to shop with NY&C I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Thank you for your complaint, addressed to the Revdex.com, regarding the above-noted accountComenity Bank issues The Sportsman’s Guide Buyer’s Club Advantage Rewards Visa accounts and we respond to all account-related questionsYour complaint was forwarded for my attention, and I
appreciate this opportunity to assist youYour complaint indicates that you made a purchase in late 2015, and you paid for the purchase using your Cabela’s credit cardHowever, shortly after the purchase was made, you started receiving statements from our Bank that included feesYou state that you contacted our customer service department and you assumed that the problem would be correctedYou state that you also started receiving collection calls, where no messages were left for youYou are requesting that this matter be settledBank records indicate your account was opened on December 29, 2015, directly through The Sportsman’s Guide Buyer’s Club Advantage Rewards VisaPlease note when an application is processed, the applicant is required to provide personal information such as date of birth, social security number, etcto open an accountAdditionally, on that day the membership fee of $was added to the accountWhen an account is 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 successfulSince your correspondence states you did not apply for or request the credit account, the account has been closed and notification was sent to the national credit-reporting agencies to delete the account and the inquiry associated with this account from your filesThis update should appear on your credit file within the next calendar daysPlease be assured that there is no balance on the accountWe hope that you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at 1-800-875-5685, ext*** (TDD/TTY 1-800-695-1788)I would be happy to assist youSincerely, Rosa M*** Consumer Relations Specialist CC: Revdex.com
Dear *** ***: Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Diamond Elite credit cardWe are here to answer your questions and assist with your concerns We understand from the complaint that you were
charged $on February 18th, and the Bank will not adjust the feesYou stated that you would have paid the balance in full if you had known you were going to be charged the interestYou also state that you were dissatisfied with the customer service you receivedYou also state that you were refused a credit for the $late feeYou are requesting to pay the balance in full, minus the $in finance chargesWe apologize for the inconvenience you have experienced regarding this matter Our records indicate that a purchase of $1,was charged to the account on February 10, The purchase was placed on a 12-month deferred interest payment required promotion plan, scheduled to end on February 10, As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending dateThe information was provided on all billing statements in the “details of your plans” section, that should the balance not be paid in full, accrued finance charges dating back to the original date of purchase, would be assessed to the accountOn February 10, 2017, as the balance was not paid in full, finance charges totaling $were assessed to the accountAs the Bank has found no banking error, we are unwilling to remove the previously assessed interest charges We understand that you were dissatisfied with the service you received while speaking with our associateIt is never the intention of Comenity Bank to frustrate our customersOur goal is to provide excellent customer service, and we are disappointed when this does not occurOur management team reviews calls of this nature, and makes appropriate recommendations for training or counseling purposes 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 To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your account Online: Online payments submitted before 8:p.mEastern Time (ET) can be credited to your account same-dayOnline payments submitted after 8:p.mET will be credited the following day (or on your future scheduled payment date)Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your *** *** account Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative The above information and more can be found by visiting: *** I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountComenity Bank issues VICTORIA'S SECRET credit card accounts, we arehere to answer account-related questionsYour complaint was forwarded to my attention and Iappreciate the
opportunity to assist you.We understand that you purchased two $gift cards from Victoria's Secret, realizing that youonly needed oneTherefore, you called to have a credit of $applied to your accountYouwere advised that the gift card would be devalued and the process may take 3-business days.After calling a few days later, you were advised that both gift cards were submitted to be devaluedand that your account would receive a $1,credit; however, the process would take days.You feel your money was stolen and you are out $1,000.00, as we have to wait for Victoria's Secretto resolve "things"You want the refund for the gift cards and you want the correct credit cardbalances reported to the credit bureaus.Please be assured that we reviewed your account and we are happy to share our findings.You purchased two $gift cards on April 1, 2016, and you purchased an additional $500.00gift card on April 5, The Bank was contacted by Victoria's Secret due to the large gift cardpurchases, and all three gift cards were requested to be devaluedThis process takes up to daysand not the 3-business days as mentioned in your complaintWe apologize for any confusion orinconvenience this may have caused you.Bank records indicate that your credit limit is $2,250.00, with $available creditAs of the dateof this letter, the current balance is $626.29.On April 20, 2016, credits totaling $1,were posted to your accountAdditionally, the creditbureaus are notified of account balance changes; however, you may not see the change on yourcredit file for days.If you any further questions or concerns, please contact me at ###-###-####, ext***(TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
As of 12-15-16, the online system is showing my account as past due and I received a letter stating that my account has been suspended for months I would like that to be removed as well
If your company feels as I wasn't the person or you couldn't verify my identity why would you report something you feel is fraud or an account you closed due to security measures onto someone credit fileTherefore you are implying you closed an account due to security measures and not being sure if I am the said person but yet you report an allegedly fraud account onto a credit file anyway? Therefore you are suggesting that even if you're company feels it's fraud you will still report it inaccurately onto that person reportThis account was closed due to your representative not entering accurate information I believe because every question I was asked was answered correctlyEven the young lady that answered on my 2nd attempt to get the matter resolved verified my identity but because the first rude representative closes my account it was nothing she or the supervisor claimed they could doYou didn't close my account due to nonpayment or misuse you closed an account due to I believe discriminationMaybe the was too much to give to a black man after the representative spoken with meI will pursue legal action against Comenity Bank for the reporting of this closed account upon my credit file that has brought my score down to a low due to your inability to honor an approval that yoour company given meWhat person in their right mind would go through all this if it wasn't indeed them!!! I would like this credit file removed from my credit file!! I didn't abuse this account, didn't make a late payment, all I did was try to use the credit that was given to me and you shut it down!!
Dear *** ***: We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountAs the bank that issues PINK credit card accounts, we respond to all account-related concerns. Your complaint was forwarded to my attention for review,
and I appreciate the opportunity to assist you. Your complaint states that you enrolled into Account Assure, an optional debt cancellation program, and after speaking to a representative, the program was removed from your account, without your knowledge. Due to unemployment, you are now unable to pay for the balance on the account and your credit score is fallingYou request the Bank to issue a credit to your account for the inconvenience, and you would like to discuss on how to pay down the balance. After a thorough investigation of your account, our records indicate that you elected to enroll in Account Assure on April 8, 2015, and on October 6, 2015, your enrollment in Account Assure was cancelled, per your requestPlease be advised that all Account Assure fees assessed to the account are valid; however, in the interest of customer service, we have issued credit totaling $to your account to refund the fees charged to your account. As of the date of this letter, the PINK account balance is $1137.47, and the account is three billing periods past due. We understand that customers may experience difficulty making their payments due to economic factors. You 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 ###-###-####. Also, 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 creditors. We support and participate 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 ###-###-####. I hope you find this information helpfulShould you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y*** Consumer Relations Specialist
Dear Ms***We have received your cornptaint regarding your Goodys credit card accountPlease beassured, we are here to help with your concernsYour complaint, addressed to the BetterBusiness Bureau, was foiwarded to my attention and we appreciate the opportunity to assistyou.We understand from
your complaint, when you initially signed up for the Goodys credit cardaccount, you were advised of a promotion in which you were to receive three free trial monthsof magazines subscriptionsAfter the three months interval concluded, you were to advise ifyou wanted to continue receiving the magazine subscriptions or cancelling the program in itsentiretyNoted in your complaint, you state, after the three months trial expired, you did notproperly follow through with the cancellation procedures, and have received several monthlycharges as a result of the magazine subscriptions.You also state that you were advised by Goodys that you currently have a balance of $1,300.00,as a result of purchases charged at Goodys retail storeHowever, your purchase in December2014, consist of two items that you paid for in cashAn additional purchase was made inMarch 2014, for two shirts; however, this purchase was placed on an alternate credit card.Lastly, you state *** *** *** name was added to your Goodys credit card accountwithout authorization from either party.You are requesting Comenity Bank show the account activity that comprised the accountbalance, and to remove *** *** *** name from your Goodys credit card account so hiscredit rating will not be affected.We apologized for any frustration this matter may have caused youPlease be assured, theBank has conducted a thorough investigation into your Goodys credit card account, whichincluded: reviewing your Goodys monthly billing statements, as well as reviewing the call datedNovember 2, 5, and we would like to share our findings:The Goodys credit card account was opened on March 21, 2014, the last purchase of $18.00was on July 28, 2014, and the last payment of $posted to the Goodys account on March21, The account was written off on April 7, due to non-payment with a remainingbalance of $The account was then purchased by another lender on May 15,5.Please be assured, *** *** ***' name has been removed as the authorized buyer,from your Goodys credit card account and notification has been sent to the credit reportingagencies advising of suchPlease allow up to days for this information to be updated in theirrecords.I hope you find this information to be helpfulShould you have additional account relatedquestions or concerns about this matter, please contact *** *** *** at ###-###-####.Sincerely,Geanine M*** *** ***
Dear Ms*** We received your additional complaint, addressed to the Revdex.com, regarding the account referenced aboveComenity Capital Bank issues My BJ’s Perks World MasterCard credit cards, and we are here to assist you with all account-related questionsI appreciate the opportunity to respond to your concernsWe understand from your complaint that you made a purchase in the amount of $800.00, that was not delivered by the deadline date on your receipt, and you are requesting the $be refundedWe have reviewed your account again and determine that you will not be responsible for the $charge in disputeThe credit of $has been applied to your My BJ’s Perks World MasterCard accountAs of the date of this letter, the account balance is zero.Should you have any further questions please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Kristina W***
We appreciate you taking the time to let us know you have concernsWe will begin researching immediately and will be in contact with you directly via phone or mail
[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 ***, and find the resolution is satisfactory to me
Thank you so much for your help in this matter.
Regards,
*** ***
Dear *** ***We have received your complaint addressed to the Revdex.com, regarding theabove-noted accountComenity Bank issues Total Rewards@ Visa@ Signature accounts andwe respond to all account-related questionsYour complaint was forwarded to my attention,and I appreciate this
opportunity to assist you.We understand from your complaint that you applied for a Total Rewards@ Visa@ account inJuly of When you applied you were under the impression that you were to receive theBuffet of Buffets promotion, however you received the High Roller promotion in your WelcomeKitYou would like to receive the Buffet of Buffets promotion that you believe was in the initialadvertisementWe apologize for any inconvenience you may have experienced because of thismatter.Please be assured that we have thoroughly researched our records and are happy to share ourfindings below.Bank records indicate that the Buffet of Buffets promotion would not have been an applicableoffer for your account at the time of your applicationThe current offer at that time, which youreceived, was the High Roller promotion.At this time the Bank respecffully declines your request to receive the Buffet of Buffetspromotion coupons.We hope this information is helpfulShould you have any question or concerns regarding thisaccount, please feel free to contact me at ###-###-####, ext*** (TDD/TTY###-###-####) I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret credit cardWe are here to answer your questions and assist with your concerns
We understand from your correspondence you were being contacted 6-times a day
through various phone calls and 90% of the time no messages were leftIn addition, you state a family member’s cell phone number was contacted; however, was never listed on your accountYou also state they were contacted as early as 6:a.mYou are requesting the Bank no longer contact you and provide a law that indicates we were correct with how we took action
We appreciate you taking the time to explain your concerns and would like to explain our findings
When an account is 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
You should no longer be receiving phone calls regarding this matterPlease be assured we have flagged the telephone numbers ending in ***, ***, ***, and ***, with “Do Not Call” instructionsIn regard to the call(s) placed to your family member, when the Bank has been unable to reach our customer, we will utilize various resources to obtain contact information where the customer may be reachedWe find no record of calls being made at 6:a.m
Please be assured that we have received your payment of $1,on December 5, 2016, and the account has been updated as paid in full for less than the full balancePlease keep in mind the credit-reporting agencies may take 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,
Jack C
I called multiple times to speak with management and she only returned my call once and left a voicemailI them called her back minutes after the message was left and there was no responseI've left multiple messages after thatI am fighting this issue because it was an isolated incident and no time when I called in to speak with anyone was the hardship program offered to me to stop it from being reported to the credit bureau and not incurring any late fees during that periodI am completely disgusted with the service I have received from Comenity Bank as well their management team.
Regards,*** ***
Dear *** ***We have received the complaint that you sent to the Revdex.com (Revdex.com),regarding the above-noted account Comenity Bank issues Ann Taylor/LOFT credit card accounts, and we are here to help answer account-relatedquestions. Your complaint was
forwarded to my attention, and I appreciate the opportunity to address your concerns.We understand from your complaint that you processed an $payment on February 19, 2015, through your credit union bill pay system,and the payment has not posted to your account. In addition, you request the late fees to be credited and the inaccurate payment history deleted from your credit report.We have reviewed your account and are happy to explain our findings. Bank records indicate that the payment concern referenced in your complaint was reviewedand a response was issued to you on March 19, 2015, requesting additional information. Because we did not receive the requested information, we were unable to investigate your dispute.In order to further research, please ask your financial institution to trace the payment and provide us with the electronic transmittal inquiry form Once we receive the documentation, we will be happy to further research the payment and your concernsIn the interest of customer service, on June 29, 2015, a $late fee was credited to your account.We value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you. We hope this information is helpfulShould you have any further questions or concerns regarding this letter, please contact me directly at (800) 675-5685, ext(TDD/TTY (800) 695-1788); Iwill be happy to assist you.Sincerely,Tionna M*** *** *** ***
Dear *** ** ***: We are in receipt of your complaint, submitted to the Revdex.com, regarding the above noted account. As the Bank that issues Bealls credit card accounts, we respond to all account-related inquiries. Your complaint was
forwarded to my attention, and I appreciate this opportunity to assist you. You state in your complaint that you were offered a coupon to make an online purchase. You further state that although you were sent a letter indicating that part of the order you had placed was unavailable, you never received any merchandise. You are requesting for your account to be closed, your account balance to be zero, and your credit bureau report to be updated to remove any negative information. We sincerely apologize for any frustration or inconvenience this matter may have caused you. We have reviewed your account, and are happy to share our findings. Please understand that Comenity Bank and Bealls are two separate entities. Comenity Bank is responsible for addressing questions related to Bealls credit card accounts, while Bealls is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. Our records indicate that on October 25, 2014, a purchase of $(consisting of five tops) posted to the account. Although the charge consisted of five tops, the account was only credited for four tops. On November 6, 2014, a return of $(consisting of three tops) posted to the account, and on November 10, 2014, a return of $(consisting of one top) posted to the account. In the interest of customer service, we have issued a credit of $to the account for the remaining top and shipping and handling charges. We have issued additional credits totaling $84.02, to remove the late fees and finance charges, which were previously assessed. These credits have posted to the account, and your balance is zero. The Bealls account was closed, at your request, on April 30, 2015. Please be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Bealls account, from your credit bureau report. Please allow the credit-reporting agencies days to update their records. We hope you find this information helpful. If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
I believe they have no intention of investigating anythingThis company thrives on harassment and scams it's customers on a regular basisOnce my bill is paid in full, I want nothing more to do with themSomeone should sue them, though, for their illegal debt collection practices
We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountAs the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questionsI appreciate the opportunity to assist you. We understand that
your account was inadvertently closed by Comenity Bank, which impacted your credit score, and you want this situation correctedAdditionally, you have asked that the Bank compensate you for pain and suffering that you have been caused. Please accept our apology for the frustration and inconvenience you have experienced as a result of this situationBank records indicate that your Victoria’s Secret/PINK account was corrected and reopened on December 15, Please also be assured that the credit bureaus will update with this change within days. As a small token of our apology, we have added points to your account, which will result in a $Reward Certificate. You are a valued customer and we hope this information is helpfulIf you any further questions or concerns, please contact me at *** *** *** *** ***)I will be happy to assist you. Sincerely, Shawnda Y*** Consumer Relations Specialist
Dear *** ***:We recently received a complaint, addressed to the Revdex.comComenity Bank issues manycredit card accounts, and we respond to all account-related inquiresI appreciate the opportunity to assistyou.We understand from your complaint that you noticed an account on your
credit report that was openedDecember 24, You state that the account is not yours, and you have not opened any account in thepast yearFurthermore, you indicate that you have notified the credit-reporting agencies that the referencedaccount is fraud.We would like to assist you in resolving this matterUnfortunately, we are unable to locate the accountyou are referencing in your complaint based on the information providedTo better assist:Complete Account Number Any Previous Names of Accountholder Any Previous AddressesHome Telephone NumberSocial security numberThis information can be mailed to the address listed above, or faxed to my attention at ###-###-####.Since you indicate that this may be an instance of identity theft, we strongly encourage you to contact ourAccount Protection Team at ###-###-#### for immediate assistance.Once this information has been received, we will be able to investigate your complaint further.We hope you find this information to be helpfulIf you have any additional questions, please contact medirectly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely, Diamond L***
Dear Ms***We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountComenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to helpanswer your account-related questionsYour complaint, was forwarded to my attention, and I
appreciatethe opportunity to assist you.You state that you were never notified of the account closure and that you received a new card with anupgrade to VIP previouslyYou attempted to use your card after activating it and the purchase wasdeclinedYou called the Bank and was advised that the account was closed on June and a letter wassent to you; however, you never got a letter and the account has always been in good standingYou askedto speak to a manager who also advised of why the account was closed and that we could not locate theletter; matter of fact, no letter was sentYou want your VICTORIA’S SECRET account reopened.We have researched your concerns and we would like to provide the following information.In regard to your account being closed, the Bank sent a statement message on July 6, 2016, advising theaccount was closed because you have at least one other account with the Bank that is in an extremedelinquency statusA copy of the statement has been enclosed with this letterPlease note the CreditCard Agreement gives us the right to investigate customer credit records and to close an account at anytime, for any reason.While the credit card can no longer be used for purchases, you are still responsible for paying any remainingbalance on your account, if applicable.Please be assured that we reviewed the applicable telephone call mentioned in your complaintWesincerely apologize for the confusion and frustration you may have been caused when speaking to ourassociates, and that our associates were not able to explain that the account closure information wasprovided to you on the statement mentioned aboveWe have taken immediate action to coach ourassociates with regard to this matter.The Bank is unwilling to reopen the account; however, you are welcome to reapply for another account atany time.We hope this information is helpfulIf you have any further questions or concerns, please contact me at###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the NY&C Rewards credit cardWe are here to answer your questions and assist with your concerns We understand from your additional complaint that your last payment was made on December 1, 2016, and you were charged two late fees. You are requesting to have your account balance cleared and your credit card closed. We apologize for the inconvenience this matter may have caused you Bank records indicate that your November billing statement was issued with a balance of $and a minimum payment of $was due by December 1, 2016. As no payment was received by the due date, a late fee of $was assessed to your account On December 2, 2016, a payment of $was applied to your account. December 6, 2016, a billing statement was issued with a balance of $due January 1, 2017. As no payment was received by the due date a late fee of $and finance charge of $was assessed to your account Please be advised, your payments are due by the first of each month. If a payment is received after the due date, or for less than the requested minimum amount due, a late fee and finance charges may be assessed to the account, pursuant of the terms and conditions of the Credit Card Agreement The Bank is willing to remove one late fee in a eighteen month time period, as a courtesy. Our records indicate that a late fee credit in the amount of $was issued to your account on July 25, 2016. Another courtesy late fee credit of $was issued on August 23, 2016. Unfortunately, the bank is unwilling to make any additional adjustments to your account for the previously assessed late fees Per your request we have closed your account. Although your account is closed, we hope you continue to shop with NY&C I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Thank you for your complaint, addressed to the Revdex.com, regarding the above-noted accountComenity Bank issues The Sportsman’s Guide Buyer’s Club Advantage Rewards Visa accounts and we respond to all account-related questionsYour complaint was forwarded for my attention, and I
appreciate this opportunity to assist youYour complaint indicates that you made a purchase in late 2015, and you paid for the purchase using your Cabela’s credit cardHowever, shortly after the purchase was made, you started receiving statements from our Bank that included feesYou state that you contacted our customer service department and you assumed that the problem would be correctedYou state that you also started receiving collection calls, where no messages were left for youYou are requesting that this matter be settledBank records indicate your account was opened on December 29, 2015, directly through The Sportsman’s Guide Buyer’s Club Advantage Rewards VisaPlease note when an application is processed, the applicant is required to provide personal information such as date of birth, social security number, etcto open an accountAdditionally, on that day the membership fee of $was added to the accountWhen an account is 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 successfulSince your correspondence states you did not apply for or request the credit account, the account has been closed and notification was sent to the national credit-reporting agencies to delete the account and the inquiry associated with this account from your filesThis update should appear on your credit file within the next calendar daysPlease be assured that there is no balance on the accountWe hope that you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at 1-800-875-5685, ext*** (TDD/TTY 1-800-695-1788)I would be happy to assist youSincerely, Rosa M*** Consumer Relations Specialist CC: Revdex.com
Dear *** ***: Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Diamond Elite credit cardWe are here to answer your questions and assist with your concerns We understand from the complaint that you were
charged $on February 18th, and the Bank will not adjust the feesYou stated that you would have paid the balance in full if you had known you were going to be charged the interestYou also state that you were dissatisfied with the customer service you receivedYou also state that you were refused a credit for the $late feeYou are requesting to pay the balance in full, minus the $in finance chargesWe apologize for the inconvenience you have experienced regarding this matter Our records indicate that a purchase of $1,was charged to the account on February 10, The purchase was placed on a 12-month deferred interest payment required promotion plan, scheduled to end on February 10, As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending dateThe information was provided on all billing statements in the “details of your plans” section, that should the balance not be paid in full, accrued finance charges dating back to the original date of purchase, would be assessed to the accountOn February 10, 2017, as the balance was not paid in full, finance charges totaling $were assessed to the accountAs the Bank has found no banking error, we are unwilling to remove the previously assessed interest charges We understand that you were dissatisfied with the service you received while speaking with our associateIt is never the intention of Comenity Bank to frustrate our customersOur goal is to provide excellent customer service, and we are disappointed when this does not occurOur management team reviews calls of this nature, and makes appropriate recommendations for training or counseling purposes 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 To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your account Online: Online payments submitted before 8:p.mEastern Time (ET) can be credited to your account same-dayOnline payments submitted after 8:p.mET will be credited the following day (or on your future scheduled payment date)Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your *** *** account Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative The above information and more can be found by visiting: *** I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountComenity Bank issues VICTORIA'S SECRET credit card accounts, we arehere to answer account-related questionsYour complaint was forwarded to my attention and Iappreciate the
opportunity to assist you.We understand that you purchased two $gift cards from Victoria's Secret, realizing that youonly needed oneTherefore, you called to have a credit of $applied to your accountYouwere advised that the gift card would be devalued and the process may take 3-business days.After calling a few days later, you were advised that both gift cards were submitted to be devaluedand that your account would receive a $1,credit; however, the process would take days.You feel your money was stolen and you are out $1,000.00, as we have to wait for Victoria's Secretto resolve "things"You want the refund for the gift cards and you want the correct credit cardbalances reported to the credit bureaus.Please be assured that we reviewed your account and we are happy to share our findings.You purchased two $gift cards on April 1, 2016, and you purchased an additional $500.00gift card on April 5, The Bank was contacted by Victoria's Secret due to the large gift cardpurchases, and all three gift cards were requested to be devaluedThis process takes up to daysand not the 3-business days as mentioned in your complaintWe apologize for any confusion orinconvenience this may have caused you.Bank records indicate that your credit limit is $2,250.00, with $available creditAs of the dateof this letter, the current balance is $626.29.On April 20, 2016, credits totaling $1,were posted to your accountAdditionally, the creditbureaus are notified of account balance changes; however, you may not see the change on yourcredit file for days.If you any further questions or concerns, please contact me at ###-###-####, ext***(TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
As of 12-15-16, the online system is showing my account as past due and I received a letter stating that my account has been suspended for months I would like that to be removed as well
If your company feels as I wasn't the person or you couldn't verify my identity why would you report something you feel is fraud or an account you closed due to security measures onto someone credit fileTherefore you are implying you closed an account due to security measures and not being sure if I am the said person but yet you report an allegedly fraud account onto a credit file anyway? Therefore you are suggesting that even if you're company feels it's fraud you will still report it inaccurately onto that person reportThis account was closed due to your representative not entering accurate information I believe because every question I was asked was answered correctlyEven the young lady that answered on my 2nd attempt to get the matter resolved verified my identity but because the first rude representative closes my account it was nothing she or the supervisor claimed they could doYou didn't close my account due to nonpayment or misuse you closed an account due to I believe discriminationMaybe the was too much to give to a black man after the representative spoken with meI will pursue legal action against Comenity Bank for the reporting of this closed account upon my credit file that has brought my score down to a low due to your inability to honor an approval that yoour company given meWhat person in their right mind would go through all this if it wasn't indeed them!!! I would like this credit file removed from my credit file!! I didn't abuse this account, didn't make a late payment, all I did was try to use the credit that was given to me and you shut it down!!
Dear *** ***: We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountAs the bank that issues PINK credit card accounts, we respond to all account-related concerns. Your complaint was forwarded to my attention for review,
and I appreciate the opportunity to assist you. Your complaint states that you enrolled into Account Assure, an optional debt cancellation program, and after speaking to a representative, the program was removed from your account, without your knowledge. Due to unemployment, you are now unable to pay for the balance on the account and your credit score is fallingYou request the Bank to issue a credit to your account for the inconvenience, and you would like to discuss on how to pay down the balance. After a thorough investigation of your account, our records indicate that you elected to enroll in Account Assure on April 8, 2015, and on October 6, 2015, your enrollment in Account Assure was cancelled, per your requestPlease be advised that all Account Assure fees assessed to the account are valid; however, in the interest of customer service, we have issued credit totaling $to your account to refund the fees charged to your account. As of the date of this letter, the PINK account balance is $1137.47, and the account is three billing periods past due. We understand that customers may experience difficulty making their payments due to economic factors. You 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 ###-###-####. Also, 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 creditors. We support and participate 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 ###-###-####. I hope you find this information helpfulShould you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y*** Consumer Relations Specialist
Dear Ms***We have received your cornptaint regarding your Goodys credit card accountPlease beassured, we are here to help with your concernsYour complaint, addressed to the BetterBusiness Bureau, was foiwarded to my attention and we appreciate the opportunity to assistyou.We understand from
your complaint, when you initially signed up for the Goodys credit cardaccount, you were advised of a promotion in which you were to receive three free trial monthsof magazines subscriptionsAfter the three months interval concluded, you were to advise ifyou wanted to continue receiving the magazine subscriptions or cancelling the program in itsentiretyNoted in your complaint, you state, after the three months trial expired, you did notproperly follow through with the cancellation procedures, and have received several monthlycharges as a result of the magazine subscriptions.You also state that you were advised by Goodys that you currently have a balance of $1,300.00,as a result of purchases charged at Goodys retail storeHowever, your purchase in December2014, consist of two items that you paid for in cashAn additional purchase was made inMarch 2014, for two shirts; however, this purchase was placed on an alternate credit card.Lastly, you state *** *** *** name was added to your Goodys credit card accountwithout authorization from either party.You are requesting Comenity Bank show the account activity that comprised the accountbalance, and to remove *** *** *** name from your Goodys credit card account so hiscredit rating will not be affected.We apologized for any frustration this matter may have caused youPlease be assured, theBank has conducted a thorough investigation into your Goodys credit card account, whichincluded: reviewing your Goodys monthly billing statements, as well as reviewing the call datedNovember 2, 5, and we would like to share our findings:The Goodys credit card account was opened on March 21, 2014, the last purchase of $18.00was on July 28, 2014, and the last payment of $posted to the Goodys account on March21, The account was written off on April 7, due to non-payment with a remainingbalance of $The account was then purchased by another lender on May 15,5.Please be assured, *** *** ***' name has been removed as the authorized buyer,from your Goodys credit card account and notification has been sent to the credit reportingagencies advising of suchPlease allow up to days for this information to be updated in theirrecords.I hope you find this information to be helpfulShould you have additional account relatedquestions or concerns about this matter, please contact *** *** *** at ###-###-####.Sincerely,Geanine M*** *** ***
Dear Ms*** We received your additional complaint, addressed to the Revdex.com, regarding the account referenced aboveComenity Capital Bank issues My BJ’s Perks World MasterCard credit cards, and we are here to assist you with all account-related questionsI appreciate the opportunity to respond to your concernsWe understand from your complaint that you made a purchase in the amount of $800.00, that was not delivered by the deadline date on your receipt, and you are requesting the $be refundedWe have reviewed your account again and determine that you will not be responsible for the $charge in disputeThe credit of $has been applied to your My BJ’s Perks World MasterCard accountAs of the date of this letter, the account balance is zero.Should you have any further questions please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Kristina W***
We appreciate you taking the time to let us know you have concernsWe will begin researching immediately and will be in contact with you directly via phone or mail
[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 ***, and find the resolution is satisfactory to me
Thank you so much for your help in this matter.
Regards,
*** ***
Dear *** ***We have received your complaint addressed to the Revdex.com, regarding theabove-noted accountComenity Bank issues Total Rewards@ Visa@ Signature accounts andwe respond to all account-related questionsYour complaint was forwarded to my attention,and I appreciate this
opportunity to assist you.We understand from your complaint that you applied for a Total Rewards@ Visa@ account inJuly of When you applied you were under the impression that you were to receive theBuffet of Buffets promotion, however you received the High Roller promotion in your WelcomeKitYou would like to receive the Buffet of Buffets promotion that you believe was in the initialadvertisementWe apologize for any inconvenience you may have experienced because of thismatter.Please be assured that we have thoroughly researched our records and are happy to share ourfindings below.Bank records indicate that the Buffet of Buffets promotion would not have been an applicableoffer for your account at the time of your applicationThe current offer at that time, which youreceived, was the High Roller promotion.At this time the Bank respecffully declines your request to receive the Buffet of Buffetspromotion coupons.We hope this information is helpfulShould you have any question or concerns regarding thisaccount, please feel free to contact me at ###-###-####, ext*** (TDD/TTY###-###-####) I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret credit cardWe are here to answer your questions and assist with your concerns
We understand from your correspondence you were being contacted 6-times a day
through various phone calls and 90% of the time no messages were leftIn addition, you state a family member’s cell phone number was contacted; however, was never listed on your accountYou also state they were contacted as early as 6:a.mYou are requesting the Bank no longer contact you and provide a law that indicates we were correct with how we took action
We appreciate you taking the time to explain your concerns and would like to explain our findings
When an account is 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
You should no longer be receiving phone calls regarding this matterPlease be assured we have flagged the telephone numbers ending in ***, ***, ***, and ***, with “Do Not Call” instructionsIn regard to the call(s) placed to your family member, when the Bank has been unable to reach our customer, we will utilize various resources to obtain contact information where the customer may be reachedWe find no record of calls being made at 6:a.m
Please be assured that we have received your payment of $1,on December 5, 2016, and the account has been updated as paid in full for less than the full balancePlease keep in mind the credit-reporting agencies may take 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,
Jack C
I called multiple times to speak with management and she only returned my call once and left a voicemailI them called her back minutes after the message was left and there was no responseI've left multiple messages after thatI am fighting this issue because it was an isolated incident and no time when I called in to speak with anyone was the hardship program offered to me to stop it from being reported to the credit bureau and not incurring any late fees during that periodI am completely disgusted with the service I have received from Comenity Bank as well their management team.
Regards,*** ***
Dear *** ***We have received the complaint that you sent to the Revdex.com (Revdex.com),regarding the above-noted account Comenity Bank issues Ann Taylor/LOFT credit card accounts, and we are here to help answer account-relatedquestions. Your complaint was
forwarded to my attention, and I appreciate the opportunity to address your concerns.We understand from your complaint that you processed an $payment on February 19, 2015, through your credit union bill pay system,and the payment has not posted to your account. In addition, you request the late fees to be credited and the inaccurate payment history deleted from your credit report.We have reviewed your account and are happy to explain our findings. Bank records indicate that the payment concern referenced in your complaint was reviewedand a response was issued to you on March 19, 2015, requesting additional information. Because we did not receive the requested information, we were unable to investigate your dispute.In order to further research, please ask your financial institution to trace the payment and provide us with the electronic transmittal inquiry form Once we receive the documentation, we will be happy to further research the payment and your concernsIn the interest of customer service, on June 29, 2015, a $late fee was credited to your account.We value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you. We hope this information is helpfulShould you have any further questions or concerns regarding this letter, please contact me directly at (800) 675-5685, ext(TDD/TTY (800) 695-1788); Iwill be happy to assist you.Sincerely,Tionna M*** *** *** ***
Dear *** ** ***: We are in receipt of your complaint, submitted to the Revdex.com, regarding the above noted account. As the Bank that issues Bealls credit card accounts, we respond to all account-related inquiries. Your complaint was
forwarded to my attention, and I appreciate this opportunity to assist you. You state in your complaint that you were offered a coupon to make an online purchase. You further state that although you were sent a letter indicating that part of the order you had placed was unavailable, you never received any merchandise. You are requesting for your account to be closed, your account balance to be zero, and your credit bureau report to be updated to remove any negative information. We sincerely apologize for any frustration or inconvenience this matter may have caused you. We have reviewed your account, and are happy to share our findings. Please understand that Comenity Bank and Bealls are two separate entities. Comenity Bank is responsible for addressing questions related to Bealls credit card accounts, while Bealls is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. Our records indicate that on October 25, 2014, a purchase of $(consisting of five tops) posted to the account. Although the charge consisted of five tops, the account was only credited for four tops. On November 6, 2014, a return of $(consisting of three tops) posted to the account, and on November 10, 2014, a return of $(consisting of one top) posted to the account. In the interest of customer service, we have issued a credit of $to the account for the remaining top and shipping and handling charges. We have issued additional credits totaling $84.02, to remove the late fees and finance charges, which were previously assessed. These credits have posted to the account, and your balance is zero. The Bealls account was closed, at your request, on April 30, 2015. Please be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Bealls account, from your credit bureau report. Please allow the credit-reporting agencies days to update their records. We hope you find this information helpful. If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
I believe they have no intention of investigating anythingThis company thrives on harassment and scams it's customers on a regular basisOnce my bill is paid in full, I want nothing more to do with themSomeone should sue them, though, for their illegal debt collection practices
We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountAs the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questionsI appreciate the opportunity to assist you. We understand that
your account was inadvertently closed by Comenity Bank, which impacted your credit score, and you want this situation correctedAdditionally, you have asked that the Bank compensate you for pain and suffering that you have been caused. Please accept our apology for the frustration and inconvenience you have experienced as a result of this situationBank records indicate that your Victoria’s Secret/PINK account was corrected and reopened on December 15, Please also be assured that the credit bureaus will update with this change within days. As a small token of our apology, we have added points to your account, which will result in a $Reward Certificate. You are a valued customer and we hope this information is helpfulIf you any further questions or concerns, please contact me at *** *** *** *** ***)I will be happy to assist you. Sincerely, Shawnda Y*** Consumer Relations Specialist
Dear *** ***:We recently received a complaint, addressed to the Revdex.comComenity Bank issues manycredit card accounts, and we respond to all account-related inquiresI appreciate the opportunity to assistyou.We understand from your complaint that you noticed an account on your
credit report that was openedDecember 24, You state that the account is not yours, and you have not opened any account in thepast yearFurthermore, you indicate that you have notified the credit-reporting agencies that the referencedaccount is fraud.We would like to assist you in resolving this matterUnfortunately, we are unable to locate the accountyou are referencing in your complaint based on the information providedTo better assist:Complete Account Number Any Previous Names of Accountholder Any Previous AddressesHome Telephone NumberSocial security numberThis information can be mailed to the address listed above, or faxed to my attention at ###-###-####.Since you indicate that this may be an instance of identity theft, we strongly encourage you to contact ourAccount Protection Team at ###-###-#### for immediate assistance.Once this information has been received, we will be able to investigate your complaint further.We hope you find this information to be helpfulIf you have any additional questions, please contact medirectly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely, Diamond L***