Dear *** ** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the NY&C Rewards credit cardWe are here to answer your questions and assist with your concernsWe previously responded to your correspondence submitted to the Revdex.com regarding this same matterPlease find enclosed a copy of our response sent to you on April 7, I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####Sincerely,Jenny W***
We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above. Comenity Bank issues POTTERY BARN credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention, and I
appreciate the opportunity to respond to your concerns We understand from your complaint that you were charged interest after your zero interest contract ended without a warning. You are requesting that the Bank settle your bill and remove the $in interest charges from your account We apologize for any inconvenience this matter may have caused you Our records indicate that a purchase of $1,was charged to your account on September 30, 2015, and was placed on a month deferred interest payment required plan, due to expire on September 30, 2016. On October 1, 2015, a purchase of $was charged to your account and was placed on month deferred interest payment required plan, due to expire on October 1, 2016. As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date. The information was provided on all billing statements in the “details of your plans” section. You were advised that should the balance not be paid in full, accrued finance charges dating back to the original date of purchase would be assessed to the account On October 7, 2016, as the balances were not paid in full by the promotional ending dates, finance charges totaling $were assessed to the account Bank records indicate that your payments totaling $were received; however, this amount did not cover the full amount of the promotional plan balances. The Bank has found no banking errors; therefore, the assessed finance charges are valid We hope you find this information helpful. If you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H*** Consumer Relations Specialist
Dear Ms*** We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer all
account-related questions. Your complaint was forwarded to my attention for review, and I appreciate the opportunity to assist you We understand your concern regarding the $late fee assessed to your account on September 13, . Your complaint states that your payment was debited from your personal bank account on September 11, 2015, and since your due date is the 13th of the month, the late fee that was assessed on September 13, 2015, is not applicable. After review of your account, we show that the payment in question was not received by Comenity Bank until September 18, 2015, at which time it was processed and posted to your account. We show that the payments have beenreceived via mail. We encourage you to send your payment at least days in advance Please be advised that Comenity Bank offers several payment options to accountholdersThe Bank offers two options for expedited payments, which include payment on the Bank’s Account Center website for no charge, and same day payment by phone for a $expedited payment fee Please be advised that any online payment submitted prior to 6:p.m Eastern Time (ET) will be credited to your account the same day Online payments submitted after 6:p.mET will be credited the following day (or on your future scheduled payment date)The Bank’s Account Center website also provides accountholders with the ability to schedule web payments up to days in advance for no charge You may also make an in-store payment at your local Victoria’s Secret/PINK store. Please be advised we have issued a credit to your account in the amount of $ Please note that when a payment is not received, is received past the due date, or is made for less than the minimum required, the account will beassessed a late fee and finance charge, as explained in the Credit Card Agreement. We ask that you review all payment options to avoid fees in the future. You are a valued customer and we apologize for any frustration this matter may have caused you. If you have further questions or concerns regarding the account, please do not hesitate to contact me at ###-###-####,or ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Justina M***
*** *** ***
Dear *** ***: We received your complaint, addressed to the Revdex.com, regarding the accounts referenced above. Comenity Bank issues DIAMOND ELITE credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,
and I appreciate the opportunity to assist youWe understand from your complaint that you originally opened a DIAMOND ELITE credit card account and made some transactions that slightly went over your credit limit. You later found that, for security reasons, the account was closed and required you to send in documentation to verify your identity. You sent in the information and called in to check the status of your account. You were advised that the information you provided was insufficient and that your account was closed. You were advised that you could reapply in days which you did; however, that account was also closed. You are requesting that your credit card account be reopened so you can make monthly payments. Additionally, you request that we remove any closed by the Bank status that may affect your credit score. We would like to apologize for any inconvenience this issue may have caused youWe have reviewed your account and contacted our Account Protection (Fraud) department regarding the accounts. Based on continued concerns, we are unwilling to reopen your accountsIf you have any further questions, please contact Account Protection at ###-###-#### (TDD/TTY ###-###-####)Please be advised that although the accounts are closed, you are able, and are required to make monthly payments on any account that has a balance, until the balance is paid in fullPlease understand that the Bank may close an account at any time, for any reason. The Bank’s closure of an account does not necessarily have an adverse impact on a customer’s credit report. You may contact the credit-reporting agencies for information regarding your credit report. They may be reached using the following information: Experian (TRW) Trans Union (TRU) Equifax (CBI) PO Box Experian Parkway Allen, TX - ###-###-#### PO Box Springfield, PA - ###-###-#### PO Box Atlanta, GA - ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We hope this information is helpful. Should you have any other questions or concerns, please feel free to contact our Account Protection team at the number provide above. They will be happy to assist youSincerely, Ashley H***
Dear *** *** We have received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Express credit card accounts, and we are here to help answer your account-related questions I appreciate the
opportunity to assist you with your concerns. We are also in receipt of your correspondence submitted to the Federal Deposit Insurance Corporation regarding this same matter. Please find enclosed a copy of ourresponse sent to you on July 15, 2014. I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,KaiM*** *** ***
I'm not paying that balance because it's not valid and I have also written letters to other places including consumer affairs and will fight this all the way to the top, even if I have too write President Donald Trump becasue this type of company fraud needs to stop, you have changed your story more than once now and I still stick with my same story and I'm not paying $ for sending an item back through the mail, when your company provided the labels and said it was free and I've been a customer years plus and never heard of such a thing I totally disagree
Dear Ms***We received your additional 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 questionsYour complaint was forwarded to my attention for review, and I appreciate the opportunity to assist you.Your complaint states that you still believe the information should not have been provided to Mr***, which caused harassmentYou are asking that the Bank provide you with the telephone call(s), or provide you with a way that you would need to obtain them.As previously indicated, the calls were reviewed and we found evidence that the third party represented himself as your husband and he knew of the debtSince you communicated to us that we are not to disclose any information to Mr***, our records were updated with a “Never Call” on the number ending in ***.Telephone calls with Comenity Bank are proprietary information and a subpoena would be necessary to send the information you are requestingA subpoena must include either the consumer’s full name and complete Social Security number, or full name and complete account numberThe subpoena needs to be issued by a court with the subpoena power over Comenity Bank in compliance with the applicable rules of Civil Procedures or statutesThe requests can be sent to the following address.*** ***
*** *** ** ***
*** *** *** ***
*** ** ***We apologize for any frustration or inconvenience this matter has caused you, and we hope this information is helpfulShould you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
The response I received didn't address the issue of the mistakes that Comenity has madeI offered to pay off the CORRECT balance, but Comenity refused to accept their mistakes and unethical business practicesIt's Comenity's fault that my automatic payments were not processed and received properly before the end of the promotionAgain, I am offering to pay off the CURRECT balance in fullIf Comenity continues to reject their wrongdoing, I will be forced to protect myself with legal actions
Regards, *** ***
January 23, ** ***
*** *** *** ***
*** ***
*** *** ** ***
*
*
* RE: *** *** *** *** *** *** ** ***
*** *** *** *** *** *** Dear ** ***: Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the *** *** Credit Card account. We are here to answer your questions and assist with your concerns We understand from your additional complaint, you feel the Bank did not address your concerns regarding the hard inquiries on your credit report. You request to return any items you purchased in order to have the activity deleted from your credit report. You now state you did not authorize any accounts, and they were created fraudulently . In your prior complaint, you confirm you accepted the prescreen offers at checkout. As advised in the prior correspondence from the Bank, dated January 17, 2017, the above-referenced account was opened as a result of a prescreen offer, and no hard inquiry was created in connection with the account. Please note, you may choose to return the merchandise to clear the balance on the account; however, we have verified we are reporting the account correctly to the credit reporting agenciesWe are required by law to report factual information. Generally, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activity As there was no Bank error, the above-referenced account will not be removed from the credit bureau report I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** ***
*** *** * *** *** cc: Revdex.com
Dear *** ***We received your complaint regarding the above-referenced credit card accountComenity Bank
issues multiple credit card accounts, and we are here to help answer your account-related
questionsYour complaint, addressed to the Revdex.com, was forwarded to
my
attention, and I appreciate the opportunity to respond to your concerns
In your complaint, you state that in September 2015, you contacted the Bank regarding an account
that was opened fraudulently in your nameFurthermore, you state that an affidavit was sent you
and you filled it out and sent it back; however, you have not received a follow up regarding the case
You would like to know how an account was opened in your name and an update regarding the
fraud case
Please be advised that we were unable to locate an account in your name with the information
providedTo better assist you, we need additional information to locate the account in your name
Please provide the following:
- Complete Comenity Bank Account Number(s)
- Any Previous Names of Accountholder(s)
- Any Previous Addresses
- Home Telephone Number
- Social Security Number(s)
This information can be mailed to the address listed above, or faxed to my attention at ###-###-####
I hope you find this information to be helpfulShould you have any additional questions or concerns,
please do not hesitate to contact me directly at ###-###-####, ext***(TDD/TTY ###-###-####)I would be happy to assist you
Sincerely,
Jenny W***
Comenity Bank/Lane Bryant has violated both Federal Trade Commission and Department of Justice in regards to the handling of my complaint Simply put, this company can not accept payment for this account and turn it over to another business to attempt to collect on the same debt Per the original contract between the insurance protection company and myself, it states that all payments made will be to Comenity Bank/Lane Bryant for said account This has been done-the insurance company has verified this and it will be forwarded to the Department of Justice for fraud
thank you for the response and while I appreciate that I have been "opted-out" of receiving emails of this nature in the future, that does not really address what I feel is the unethical/irresponsible practice of sending this type of email to anyone. In my opinion, emails of this nature should not be sent at all
Regards, *** *** ***
Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Woman Within credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted
to the ConsumerFinancial Protection Bureau regarding this same matterPlease find enclosed a copy of ourresponse sent to you on February 28, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L***
Comenity Bank has received your correspondence regarding the above-referenced credit card.Comenity Bank issues Goodys credit cardsWe are here to answer your questions and assistwith your concerns.We understand your concerns regarding the payment that was sent for your account and has notbeen
cashed by your financial institution, which has now resulted in a late fee charge to theaccountWe also understand that you spoke to the store and corporate office and requested thefee removed which was declinedYou believe after speaking to the post office, there may be aproblem with the Goodys account system.We would like to assist you with this matterUnfortunately, we are unable to locate the accountyou are referencing in your correspondence based on the information providedIn order toinvestigate your concerns, please provide your account number, copies of your billingstatements, and/or a copy of your credit bureau report showing your account.Once this information has been received, we will be able to further investigatePlease sendthis information to my attention at the address shown above.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,
Thank you for your responseSince the account has been closed due to fraudulent charges that were unverified, I have opened a dispute with all three credit bureaus due to the balance related to these fraudulent charges that led to the closure of my account and the remaining balance that is reflected on my credit reportPlease continue communication with me through these disputes and I will reopen this case with Revdex.com if further action is needed. *** ***
February 8, *** ***
*** *** *** ***
*** ** ***
*
* RE: *** *** *** *** *** *** *** ** ***
***
*** *** *** ** ***
* Dear Jada N***: Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the *** *** *** credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint that you are receiving phone calls regarding your *** *** *** accountYou state that you haven’t used the card in months and when you did, a late fee was addedYou state that you contacted the Bank to ask for the late fee to be removed, your request was refused and you received rude treatmentYou then closed the account and you are requesting that the Bank stop contacting youWe apologize for the inconvenience this matter may have caused you Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you 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, Comenity Bank may call you until our attempts to communicate are successful Bank records indicate that your October billing statement was issued with a balance of $and a minimum payment of $was due by November 6, As no payment was received by the due date, a late fee of $was assessed to your account On November 9, 2016, a payment of $was applied to your accountThe November billing statement was issued with a balance of $due December 6, As no payment was received by the due date a late fee of $and finance charge of $was assessed to your account The December billing statement was issued with a balance of $and minimum payment of $due December 6, 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 monthIf 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 courtesyOur records indicate that a late fee credit in the amount of $was issued to your account on August 22, Unfortunately, the bank is unwilling to make any additional adjustments to your account for the previously assessed late fees Per your request your account is closed on December 12, 2016, although your account is closed, fees will continue to accumulate until the balance is paid in full We have reviewed the applicable telephone conversationWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** *** * *** ***
*** *** *** ***
This same letter they keep sendingNo one s telling me why they are disagreementNo one has explained why the chose to ignore what the manager of hotel said over phone callIt seems they went with route that is most convenientManager of hotel admitted himself over the phone what I was supposed to be chargedThis is recorded as evidenceWhy should I be responsible to pay difference? I would like the Revdex.com to listen to audio themselves and tell me how am I in the wrong?
Regards, *** ***
We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accountComenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questionsYour complaint was forwarded to my attention, and I appreciate the
opportunity to respond to your concerns.We understand from your complaint that you made a merchandise purchase online and the merchandise was of poor qualityYou also state that you returned the merchandise, with all tags on them, and have not received a credit for this merchandiseYou are requesting to have the credit for this returned merchandise applied to your account so you can pay the remaining balanceI am happy to share my findings with you.Please note Comenity Bank and Avenue are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountAvenue is responsible for handling matters related to sales, merchandise processing, returns and shipping.After a thorough review of the account, our records show that a credit in the amount of $posted to the account on February 16, 2016, for the returned merchandiseAs of the date of this letter, the balance on the account is $with a minimum payment of $due on March 17, 2016.We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter may have caused youIf you have any further questions about your account, please contact me at (800) 675-5685, ext*** (TDD/TTY (800) 695-1788)I will be happy to assist you.Sincerely,Renee S*Consumer Relations SpecialistCC:Revdex.com
Dear *** ** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the NY&C Rewards credit cardWe are here to answer your questions and assist with your concernsWe previously responded to your correspondence submitted to the Revdex.com regarding this same matterPlease find enclosed a copy of our response sent to you on April 7, I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####Sincerely,Jenny W***
We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above. Comenity Bank issues POTTERY BARN credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention, and I
appreciate the opportunity to respond to your concerns We understand from your complaint that you were charged interest after your zero interest contract ended without a warning. You are requesting that the Bank settle your bill and remove the $in interest charges from your account We apologize for any inconvenience this matter may have caused you Our records indicate that a purchase of $1,was charged to your account on September 30, 2015, and was placed on a month deferred interest payment required plan, due to expire on September 30, 2016. On October 1, 2015, a purchase of $was charged to your account and was placed on month deferred interest payment required plan, due to expire on October 1, 2016. As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date. The information was provided on all billing statements in the “details of your plans” section. You were advised that should the balance not be paid in full, accrued finance charges dating back to the original date of purchase would be assessed to the account On October 7, 2016, as the balances were not paid in full by the promotional ending dates, finance charges totaling $were assessed to the account Bank records indicate that your payments totaling $were received; however, this amount did not cover the full amount of the promotional plan balances. The Bank has found no banking errors; therefore, the assessed finance charges are valid We hope you find this information helpful. If you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H*** Consumer Relations Specialist
Dear Ms*** We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer all
account-related questions. Your complaint was forwarded to my attention for review, and I appreciate the opportunity to assist you We understand your concern regarding the $late fee assessed to your account on September 13, . Your complaint states that your payment was debited from your personal bank account on September 11, 2015, and since your due date is the 13th of the month, the late fee that was assessed on September 13, 2015, is not applicable. After review of your account, we show that the payment in question was not received by Comenity Bank until September 18, 2015, at which time it was processed and posted to your account. We show that the payments have beenreceived via mail. We encourage you to send your payment at least days in advance Please be advised that Comenity Bank offers several payment options to accountholdersThe Bank offers two options for expedited payments, which include payment on the Bank’s Account Center website for no charge, and same day payment by phone for a $expedited payment fee Please be advised that any online payment submitted prior to 6:p.m Eastern Time (ET) will be credited to your account the same day Online payments submitted after 6:p.mET will be credited the following day (or on your future scheduled payment date)The Bank’s Account Center website also provides accountholders with the ability to schedule web payments up to days in advance for no charge You may also make an in-store payment at your local Victoria’s Secret/PINK store. Please be advised we have issued a credit to your account in the amount of $ Please note that when a payment is not received, is received past the due date, or is made for less than the minimum required, the account will beassessed a late fee and finance charge, as explained in the Credit Card Agreement. We ask that you review all payment options to avoid fees in the future. You are a valued customer and we apologize for any frustration this matter may have caused you. If you have further questions or concerns regarding the account, please do not hesitate to contact me at ###-###-####,or ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Justina M***
*** *** ***
Dear *** ***: We received your complaint, addressed to the Revdex.com, regarding the accounts referenced above. Comenity Bank issues DIAMOND ELITE credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,
and I appreciate the opportunity to assist youWe understand from your complaint that you originally opened a DIAMOND ELITE credit card account and made some transactions that slightly went over your credit limit. You later found that, for security reasons, the account was closed and required you to send in documentation to verify your identity. You sent in the information and called in to check the status of your account. You were advised that the information you provided was insufficient and that your account was closed. You were advised that you could reapply in days which you did; however, that account was also closed. You are requesting that your credit card account be reopened so you can make monthly payments. Additionally, you request that we remove any closed by the Bank status that may affect your credit score. We would like to apologize for any inconvenience this issue may have caused youWe have reviewed your account and contacted our Account Protection (Fraud) department regarding the accounts. Based on continued concerns, we are unwilling to reopen your accountsIf you have any further questions, please contact Account Protection at ###-###-#### (TDD/TTY ###-###-####)Please be advised that although the accounts are closed, you are able, and are required to make monthly payments on any account that has a balance, until the balance is paid in fullPlease understand that the Bank may close an account at any time, for any reason. The Bank’s closure of an account does not necessarily have an adverse impact on a customer’s credit report. You may contact the credit-reporting agencies for information regarding your credit report. They may be reached using the following information: Experian (TRW) Trans Union (TRU) Equifax (CBI) PO Box Experian Parkway Allen, TX - ###-###-#### PO Box Springfield, PA - ###-###-#### PO Box Atlanta, GA - ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We hope this information is helpful. Should you have any other questions or concerns, please feel free to contact our Account Protection team at the number provide above. They will be happy to assist youSincerely, Ashley H***
Dear *** *** We have received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Express credit card accounts, and we are here to help answer your account-related questions I appreciate the
opportunity to assist you with your concerns. We are also in receipt of your correspondence submitted to the Federal Deposit Insurance Corporation regarding this same matter. Please find enclosed a copy of ourresponse sent to you on July 15, 2014. I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,KaiM*** *** ***
I am rejecting this response because: Regards, *** ***
I'm not paying that balance because it's not valid and I have also written letters to other places including consumer affairs and will fight this all the way to the top, even if I have too write President Donald Trump becasue this type of company fraud needs to stop, you have changed your story more than once now and I still stick with my same story and I'm not paying $ for sending an item back through the mail, when your company provided the labels and said it was free and I've been a customer years plus and never heard of such a thing I totally disagree
Dear Ms***We received your additional 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 questionsYour complaint was forwarded to my attention for review, and I appreciate the opportunity to assist you.Your complaint states that you still believe the information should not have been provided to Mr***, which caused harassmentYou are asking that the Bank provide you with the telephone call(s), or provide you with a way that you would need to obtain them.As previously indicated, the calls were reviewed and we found evidence that the third party represented himself as your husband and he knew of the debtSince you communicated to us that we are not to disclose any information to Mr***, our records were updated with a “Never Call” on the number ending in ***.Telephone calls with Comenity Bank are proprietary information and a subpoena would be necessary to send the information you are requestingA subpoena must include either the consumer’s full name and complete Social Security number, or full name and complete account numberThe subpoena needs to be issued by a court with the subpoena power over Comenity Bank in compliance with the applicable rules of Civil Procedures or statutesThe requests can be sent to the following address.*** ***
*** *** ** ***
*** *** *** ***
*** ** ***We apologize for any frustration or inconvenience this matter has caused you, and we hope this information is helpfulShould you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Bank Response
The response I received didn't address the issue of the mistakes that Comenity has madeI offered to pay off the CORRECT balance, but Comenity refused to accept their mistakes and unethical business practicesIt's Comenity's fault that my automatic payments were not processed and received properly before the end of the promotionAgain, I am offering to pay off the CURRECT balance in fullIf Comenity continues to reject their wrongdoing, I will be forced to protect myself with legal actions
Regards, *** ***
January 23, ** ***
*** *** *** ***
*** ***
*** *** ** ***
*
*
* RE: *** *** *** *** *** *** ** ***
*** *** *** *** *** *** Dear ** ***: Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the *** *** Credit Card account. We are here to answer your questions and assist with your concerns We understand from your additional complaint, you feel the Bank did not address your concerns regarding the hard inquiries on your credit report. You request to return any items you purchased in order to have the activity deleted from your credit report. You now state you did not authorize any accounts, and they were created fraudulently . In your prior complaint, you confirm you accepted the prescreen offers at checkout. As advised in the prior correspondence from the Bank, dated January 17, 2017, the above-referenced account was opened as a result of a prescreen offer, and no hard inquiry was created in connection with the account. Please note, you may choose to return the merchandise to clear the balance on the account; however, we have verified we are reporting the account correctly to the credit reporting agenciesWe are required by law to report factual information. Generally, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activity As there was no Bank error, the above-referenced account will not be removed from the credit bureau report I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** ***
*** *** * *** *** cc: Revdex.com
Dear *** ***We received your complaint regarding the above-referenced credit card accountComenity Bank
issues multiple credit card accounts, and we are here to help answer your account-related
questionsYour complaint, addressed to the Revdex.com, was forwarded to
my
attention, and I appreciate the opportunity to respond to your concerns
In your complaint, you state that in September 2015, you contacted the Bank regarding an account
that was opened fraudulently in your nameFurthermore, you state that an affidavit was sent you
and you filled it out and sent it back; however, you have not received a follow up regarding the case
You would like to know how an account was opened in your name and an update regarding the
fraud case
Please be advised that we were unable to locate an account in your name with the information
providedTo better assist you, we need additional information to locate the account in your name
Please provide the following:
- Complete Comenity Bank Account Number(s)
- Any Previous Names of Accountholder(s)
- Any Previous Addresses
- Home Telephone Number
- Social Security Number(s)
This information can be mailed to the address listed above, or faxed to my attention at ###-###-####
I hope you find this information to be helpfulShould you have any additional questions or concerns,
please do not hesitate to contact me directly at ###-###-####, ext***(TDD/TTY ###-###-####)I would be happy to assist you
Sincerely,
Jenny W***
Comenity Bank/Lane Bryant has violated both Federal Trade Commission and Department of Justice in regards to the handling of my complaint Simply put, this company can not accept payment for this account and turn it over to another business to attempt to collect on the same debt Per the original contract between the insurance protection company and myself, it states that all payments made will be to Comenity Bank/Lane Bryant for said account This has been done-the insurance company has verified this and it will be forwarded to the Department of Justice for fraud
thank you for the response and while I appreciate that I have been "opted-out" of receiving emails of this nature in the future, that does not really address what I feel is the unethical/irresponsible practice of sending this type of email to anyone. In my opinion, emails of this nature should not be sent at all
Regards, *** *** ***
Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Woman Within credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted
to the ConsumerFinancial Protection Bureau regarding this same matterPlease find enclosed a copy of ourresponse sent to you on February 28, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L***
Comenity Bank has received your correspondence regarding the above-referenced credit card.Comenity Bank issues Goodys credit cardsWe are here to answer your questions and assistwith your concerns.We understand your concerns regarding the payment that was sent for your account and has notbeen
cashed by your financial institution, which has now resulted in a late fee charge to theaccountWe also understand that you spoke to the store and corporate office and requested thefee removed which was declinedYou believe after speaking to the post office, there may be aproblem with the Goodys account system.We would like to assist you with this matterUnfortunately, we are unable to locate the accountyou are referencing in your correspondence based on the information providedIn order toinvestigate your concerns, please provide your account number, copies of your billingstatements, and/or a copy of your credit bureau report showing your account.Once this information has been received, we will be able to further investigatePlease sendthis information to my attention at the address shown above.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,
Thank you for your responseSince the account has been closed due to fraudulent charges that were unverified, I have opened a dispute with all three credit bureaus due to the balance related to these fraudulent charges that led to the closure of my account and the remaining balance that is reflected on my credit reportPlease continue communication with me through these disputes and I will reopen this case with Revdex.com if further action is needed. *** ***
February 8, *** ***
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* RE: *** *** *** *** *** *** *** ** ***
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* Dear Jada N***: Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the *** *** *** credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint that you are receiving phone calls regarding your *** *** *** accountYou state that you haven’t used the card in months and when you did, a late fee was addedYou state that you contacted the Bank to ask for the late fee to be removed, your request was refused and you received rude treatmentYou then closed the account and you are requesting that the Bank stop contacting youWe apologize for the inconvenience this matter may have caused you Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you 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, Comenity Bank may call you until our attempts to communicate are successful Bank records indicate that your October billing statement was issued with a balance of $and a minimum payment of $was due by November 6, As no payment was received by the due date, a late fee of $was assessed to your account On November 9, 2016, a payment of $was applied to your accountThe November billing statement was issued with a balance of $due December 6, As no payment was received by the due date a late fee of $and finance charge of $was assessed to your account The December billing statement was issued with a balance of $and minimum payment of $due December 6, 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 monthIf 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 courtesyOur records indicate that a late fee credit in the amount of $was issued to your account on August 22, Unfortunately, the bank is unwilling to make any additional adjustments to your account for the previously assessed late fees Per your request your account is closed on December 12, 2016, although your account is closed, fees will continue to accumulate until the balance is paid in full We have reviewed the applicable telephone conversationWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
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This same letter they keep sendingNo one s telling me why they are disagreementNo one has explained why the chose to ignore what the manager of hotel said over phone callIt seems they went with route that is most convenientManager of hotel admitted himself over the phone what I was supposed to be chargedThis is recorded as evidenceWhy should I be responsible to pay difference? I would like the Revdex.com to listen to audio themselves and tell me how am I in the wrong?
Regards, *** ***
We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accountComenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questionsYour complaint was forwarded to my attention, and I appreciate the
*Consumer Relations SpecialistCC:Revdex.com
opportunity to respond to your concerns.We understand from your complaint that you made a merchandise purchase online and the merchandise was of poor qualityYou also state that you returned the merchandise, with all tags on them, and have not received a credit for this merchandiseYou are requesting to have the credit for this returned merchandise applied to your account so you can pay the remaining balanceI am happy to share my findings with you.Please note Comenity Bank and Avenue are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountAvenue is responsible for handling matters related to sales, merchandise processing, returns and shipping.After a thorough review of the account, our records show that a credit in the amount of $posted to the account on February 16, 2016, for the returned merchandiseAs of the date of this letter, the balance on the account is $with a minimum payment of $due on March 17, 2016.We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter may have caused youIf you have any further questions about your account, please contact me at (800) 675-5685, ext*** (TDD/TTY (800) 695-1788)I will be happy to assist you.Sincerely,Renee S