Dear Ms***Thank you for contacting Comenity BankWe issue multiple retail credit card accounts, and arehere to help with your questionsThe Revdex.com forwarded your complaint to myattention, and I appreciate the opportunity to respond to your concerns.Please accept our deepest
apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity BankPlease be advised that thetelephone calls being made were attempts to contact a customer regarding a personal businessmatterPlease be assured that we have updated our records, and you should not receive anyfurther telephone calls at the telephone number ending in *** from Comenity Bank.We hope you find this information helpfulIf you have any additional questions or concernsplease contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda R**
I just saw the email informing me my case is closed from Revdex.comI haven't responding further to this case because I haven't heard any useful responses from comenity bank yetI did received another two letters asking for the forms that I had already mailed out weeks ago and which I have copied to Revdex.com in the previous emailBesides these two letters, I had received another letter offering me a discounted pay off for the balance which I had automatically ignoredI hope my case to be solved as I can see a lot of complaints on Revdex.com regarding comenity bank had or have similar issueBut as you can see, there is nothing else I can do from my side nowI think the processing efficiency of comenity bank is very out of date, thus, day duration is not enough for the case to move forwardCould you please allow the progress duration to be longer than days to keep this case open? Or I can start another case regarding this complaintThank you.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, *** ***
*** *** * *** ***
*** *** *** ***
the company made a commitment in April to lower my my APRFrom an integrity standpoint, the bank should honor their agreement moving forward with the lower APRThis commitment was recorded on my account and consistently made clear by numerous representatives thereafterIf an agent of the company commits to applying a change, it should be applied.
Regards, *** ***
Dear Ms*** We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Catherines credit card accounts, and we are here to assist with your account-related questions. Your 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 payment of $2,in one of the retail stores. You also indicate that the pay off balance was only $1,and you are due a refund of $1,you state that you were informed that Catherines would refund the difference of $1,but you have not received your refund check as of today. You are requesting that a refund in this amount is refunded to you. I am happy to share my finding with you. After reviewing the account, our records indicate that a payment of $2,was made on April 1, 2016, at the retail store located in FtWorth, Texas. At that time the balance on your Catherines account was $1,which indicated an overpayment of $1,227.20. I have contacted the retailer on your behalf and they advised me to issue a refund check in the amount of $1,227.20. The refund check will be sent to you under separate cover. Please allow up to days to receive the refund check. We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S***
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 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, *** *** ***
This has not resolved my issues with my credit and the harrassment I received from the bank for a missed paymentI received multiple phone calls while I was in the hospital and I was unable to get to a computer
Regards,
*** ***
the woman within charges for $should not be on this account and I want it removedHow can you say you don't handle Roman's & Woman Within when a Woman Within charge is clearly on my Brylane Home account? I don't feel that I should have to pay for the company's mistake in late fees and interest fees, I've done business with these companies for years and have always paid and never had this happen beforeI have no problem pay what I owe but not all the late fees and interest.
Regards,
*** ***
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns.We previously responded to your correspondence submitted to the Bank regarding this matterPlease find enclosed a copy of our response sent to you on March 24, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W***
Dear Ms
***:Thank you for contacting Comenity Capital
Bank, regarding your concerns. As the
bank that issues numerous credit card accounts, we respond to all credit-related
inquiries Your inquiry, addressed to
the Revdex.com, was forwarded to my attention, and I
appreciate the
opportunity to assist you.We understand your concerns regarding the
telephone calls being received and we apologize for any inconvenience you have
experienced regarding this issue. Please
be advised that Comenity Capital Bank was attempting to reach our customer
regarding a personal business matter.Please be assured that we have updated our
records, and you should not receive any further telephone calls from Comenity
Capital Bank, at the telephone number ending in *** *oncerning this matter.Should you have any further questions or
concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely,Justina
M*** *** ***
Dear Mr.***We have received your additional complaint, regarding the above-noted accountComenity Bank issues Bealls credit cards and we are here to help answer your questionsI appreciate the opportunity to assist you with your concerns.Your complaint is requesting a verification of the
debt and trade line for the above-noted accountPlease note Bank records indicate this matter has been investigated and responses dated June 17, 2016, September 2, and September 22, were previously issuedI have enclosed copies of our previous responses for your reviewThe Bank’s position remains unchanged.Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityAt this time, we find no errors in our reporting of your credit card account to the credit bureaus, and we are unwilling to charge or delete any delinquency that is reportingDelinquent accounts typically will report for seven years from the date the account first became delinquent.We value you as a customer, and hope you find this information to be helpfulIf you have any further questions, please contact our Recovery Team at ###-###-####(TDD/TTY ###-###-####)They will be happy to assist you.Sincerely,Geanine M***
Hello,Thank you for your inquiry. Your reference number is ***.We will reply to your email providing an update and/or resolution of your issue. Please understand that it may take 2-business days to resolve the issue.Please reply to this email with any additional
questions related to your inquiry.Sincerely,*** *** ***
We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues PINK and Abercrombie & Fitch credit card accounts, and we are here to answer your account-related questionsThe complaint was forwarded to my attention, and I
appreciate the opportunity to address your concerns. Your complaint states that after applying for an apartment you were denied due to a late payment that was reported to your credit profile in February You state that you went through a financial hardship during this time and you are asking the Bank to remove the late payment information. To address your concern, we have updated our records for both accounts, and have notified the credit-reporting agencies of the removal of the February late payment that was reported. This change should be reflected on your credit file within the next calendar days. Please understand that if a payment is not received, received after the payment due date, or received for less than the minimum due required (located on the billing statements), the account would be assessed a late fee and may be reported delinquent to the credit bureaus. We value you as a customer and we hope this information is helpfulIf you have any further questions, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y***
Dear Ms*** We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your account-related questionsThe complaint was forwarded to my attention,
and I appreciate the opportunity to address your concerns. We understand the concerns you have expressed in the complaint and we apologize for the confusion and frustration you have experiencedYou state that while shopping in the store, you were told by signing up for the account you would receive a discount on your purchaseYou were not aware that in order to receive the discount, the purchase would be applied to the credit card accountAfter receiving statements, you thought fraud had been committed against youYou later learned that the statements were due to the discounted purchaseHowever, your balance increased due to fees being assessed and your credit has been negatively impactedDue to fear of bad credit, you remitted a payment of $This matter has caused a negative impact on your current apartment statusYou are asking the Bank to remove the delinquent information from your credit profile and adjust the balance on the account. Thank you for taking the time to speak with me on June 24, As discussed, we are not holding you responsible for the bank fees or negative payment informationAs requested, a follemail was sent to you on June 24, 2016; separate from this response. Please be assured that we issued credits to your account totaling $Furthermore, we received the $payment to your account, resulting in a credit balance of $A refund check for $43.76 was issued to you on June 28, 2016, and will be received separate from this letter in 7-business days. In addition, please be assured that notification was sent to the national credit-reporting agencies with instructions to delete the VICTORIA’S SECRET account, in its entirety, from your credit reportPlease allow them days to update their records. I 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***
I am satisfied with the response of the merchant with the Victoria Secret card I am rejecting the response of The Limited cardI believe the representative I spoke, when I request for the cards of Victoria Secret and The Limited be closed, led me to believe that the store The Limited had already been closedIf the store is closed, my daughter cannot used her cardWhen I found out that there was charges made on the Limited card, I called again and have it closedThe reason there was a delay in closing the account. Furthermore, there was deception on the part of the merchant representative, who did not give me the correct informationI paid charges for this account including a late payments, in the past coincide with Victoria Secret cardWhen the Comenity bank representative had told me that The Limited was already close, it tells me at that time that my daughter cannot used her card with this storeIf the bank investigate again of the telephone conversations made during my phone calls, a male representative, specifically, gave me the information that the store The Limited was closedThe representative personnel represents the bank, likewise, untruthful to the consumer, of giving misleading informationsI prefer that Comenity bank should erased all defaults similar to what they had made with Victoria Secret card. I am grateful of the Revdex.com for being a support to the consumersWithout this bureau, merchant will continually take advantage of consumers
Thank you for reviewing the documentation and the phone callsI understand that not making a payment will end up in a late feeThe minimum amount that you wanted was dollarsI was given a credit of dollars and paid dollarsTherefore you did receive a payment of MORE than the dollars I have no problems paying for my merchandise and even a late fee as I was lateI have a problems of when you can certainly tell that I closed the account and you can also certainly tell that I was under the impression that I paid it in full I would have of course paid the additional cents had I known about it I have now paid the full amount, and I respectfully request a refund of the additional dollars.
Regards, *** ***
Dear Ms***Thank you for contacting Comenity BankAs the bank that issues multiple credit card accounts,we are here to answer account-related questionsYour complaint, submitted to the BetterBusiness Bureau, was forwarded to my attention for reviewI appreciate the opportunity toassist you.We
understand that you and your mother are receiving multiple telephone calls to your landline,regarding a debt that you do not oweWe would like to assist you in resolving this matter.Unfortunately, we were unable to locate the account you are referencing in your complaintbased on the information you providedIn order to investigate your complaint, we request youprovide us with the telephone number that is being called and the name of whom the Bank isasking for.Once this information has been received, we will be able to investigate your complaint further.Please send this information to my attention at the address shown above, or you may fax it to###-###-####.In addition, please note that Comenity Bank does not issue or manage the Old Navy credit cardportfolioWe encourage you to contact the creditor directly to assist you in resolving yourconcerns.If you any further questions or concerns regarding this letter, please contact me at###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear
Mr***
We received your complaint, addressed to the
Revdex.com, regarding the above-referenced account. Comenity Bank issues Elder-Beerman credit
card accounts, and we are here to assist you with any account-related
questions. Your complaint was
forwarded
to my attention, and I appreciate the opportunity to respond to your concerns
Our understanding, as you state in the RevDex.com complaint, a payment for $was taken from your checking
account without your authorization. Furthermore,
you are requesting a refund for the amount above
Comenity Bank understands your concerns in
the complaint and would like to explain our findings
Our records indicate that on November 4,
2015, you contacted the Customer Service
department and selected the pay by phone option through our Interactive Voice Response
(IVR), system. At which time, our system
transferred you to a representative who would assist you in getting the payment
processed. After listening to the call
between you and our associate, we have confirmed your authorization of the
payment for $through Sun Federal Credit Union, account ending in *** This payment satisfied the minimum payment
which was due by November 5,
Further records show on December 1, 2015, you
also authorized a payment through our IVR for $50.00. This payment satisfied the minimum payment
which was due by December 5,
Please keep in mind that payments processed as
a pay by phone, or through the IVR, are sent electronically to your financial institution
and may post within 48-hours after processing
We hope you find this information helpful,
and we sincerely apologize for any confusion or inconvenience this matter has
caused you. If you have any further
questions about your account, please contact me at ###-###-####, ext*** *TDD/TTY ###-###-####). I will be
happy to assist you
Sincerely,
Jack C***
Dear Ms***Thank you for contacting Comenity BankWe issue multiple retail credit card accounts, and arehere to help with your questionsThe Revdex.com forwarded your complaint to myattention, and I appreciate the opportunity to respond to your concerns.Please accept our deepest
apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity BankPlease be advised that thetelephone calls being made were attempts to contact a customer regarding a personal businessmatterPlease be assured that we have updated our records, and you should not receive anyfurther telephone calls at the telephone number ending in *** from Comenity Bank.We hope you find this information helpfulIf you have any additional questions or concernsplease contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda R**
I just saw the email informing me my case is closed from Revdex.comI haven't responding further to this case because I haven't heard any useful responses from comenity bank yetI did received another two letters asking for the forms that I had already mailed out weeks ago and which I have copied to Revdex.com in the previous emailBesides these two letters, I had received another letter offering me a discounted pay off for the balance which I had automatically ignoredI hope my case to be solved as I can see a lot of complaints on Revdex.com regarding comenity bank had or have similar issueBut as you can see, there is nothing else I can do from my side nowI think the processing efficiency of comenity bank is very out of date, thus, day duration is not enough for the case to move forwardCould you please allow the progress duration to be longer than days to keep this case open? Or I can start another case regarding this complaintThank you.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, *** ***
*** *** * *** ***
*** *** *** ***
the company made a commitment in April to lower my my APRFrom an integrity standpoint, the bank should honor their agreement moving forward with the lower APRThis commitment was recorded on my account and consistently made clear by numerous representatives thereafterIf an agent of the company commits to applying a change, it should be applied.
Regards, *** ***
Dear Ms*** We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Catherines credit card accounts, and we are here to assist with your account-related questions. Your 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 payment of $2,in one of the retail stores. You also indicate that the pay off balance was only $1,and you are due a refund of $1,you state that you were informed that Catherines would refund the difference of $1,but you have not received your refund check as of today. You are requesting that a refund in this amount is refunded to you. I am happy to share my finding with you. After reviewing the account, our records indicate that a payment of $2,was made on April 1, 2016, at the retail store located in FtWorth, Texas. At that time the balance on your Catherines account was $1,which indicated an overpayment of $1,227.20. I have contacted the retailer on your behalf and they advised me to issue a refund check in the amount of $1,227.20. The refund check will be sent to you under separate cover. Please allow up to days to receive the refund check. We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S***
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 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, *** *** ***
This has not resolved my issues with my credit and the harrassment I received from the bank for a missed paymentI received multiple phone calls while I was in the hospital and I was unable to get to a computer
Regards,
*** ***
the woman within charges for $should not be on this account and I want it removedHow can you say you don't handle Roman's & Woman Within when a Woman Within charge is clearly on my Brylane Home account? I don't feel that I should have to pay for the company's mistake in late fees and interest fees, I've done business with these companies for years and have always paid and never had this happen beforeI have no problem pay what I owe but not all the late fees and interest.
Regards,
*** ***
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns.We previously responded to your correspondence submitted to the Bank regarding this matterPlease find enclosed a copy of our response sent to you on March 24, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W***
Dear Ms
***:Thank you for contacting Comenity Capital
Bank, regarding your concerns. As the
bank that issues numerous credit card accounts, we respond to all credit-related
inquiries Your inquiry, addressed to
the Revdex.com, was forwarded to my attention, and I
appreciate the
opportunity to assist you.We understand your concerns regarding the
telephone calls being received and we apologize for any inconvenience you have
experienced regarding this issue. Please
be advised that Comenity Capital Bank was attempting to reach our customer
regarding a personal business matter.Please be assured that we have updated our
records, and you should not receive any further telephone calls from Comenity
Capital Bank, at the telephone number ending in *** *oncerning this matter.Should you have any further questions or
concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely,Justina
M*** *** ***
Dear Mr.***We have received your additional complaint, regarding the above-noted accountComenity Bank issues Bealls credit cards and we are here to help answer your questionsI appreciate the opportunity to assist you with your concerns.Your complaint is requesting a verification of the
debt and trade line for the above-noted accountPlease note Bank records indicate this matter has been investigated and responses dated June 17, 2016, September 2, and September 22, were previously issuedI have enclosed copies of our previous responses for your reviewThe Bank’s position remains unchanged.Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityAt this time, we find no errors in our reporting of your credit card account to the credit bureaus, and we are unwilling to charge or delete any delinquency that is reportingDelinquent accounts typically will report for seven years from the date the account first became delinquent.We value you as a customer, and hope you find this information to be helpfulIf you have any further questions, please contact our Recovery Team at ###-###-####(TDD/TTY ###-###-####)They will be happy to assist you.Sincerely,Geanine M***
Hello,Thank you for your inquiry. Your reference number is ***.We will reply to your email providing an update and/or resolution of your issue. Please understand that it may take 2-business days to resolve the issue.Please reply to this email with any additional
questions related to your inquiry.Sincerely,*** *** ***
We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues PINK and Abercrombie & Fitch credit card accounts, and we are here to answer your account-related questionsThe complaint was forwarded to my attention, and I
appreciate the opportunity to address your concerns. Your complaint states that after applying for an apartment you were denied due to a late payment that was reported to your credit profile in February You state that you went through a financial hardship during this time and you are asking the Bank to remove the late payment information. To address your concern, we have updated our records for both accounts, and have notified the credit-reporting agencies of the removal of the February late payment that was reported. This change should be reflected on your credit file within the next calendar days. Please understand that if a payment is not received, received after the payment due date, or received for less than the minimum due required (located on the billing statements), the account would be assessed a late fee and may be reported delinquent to the credit bureaus. We value you as a customer and we hope this information is helpfulIf you have any further questions, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y***
Dear Ms*** We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your account-related questionsThe complaint was forwarded to my attention,
and I appreciate the opportunity to address your concerns. We understand the concerns you have expressed in the complaint and we apologize for the confusion and frustration you have experiencedYou state that while shopping in the store, you were told by signing up for the account you would receive a discount on your purchaseYou were not aware that in order to receive the discount, the purchase would be applied to the credit card accountAfter receiving statements, you thought fraud had been committed against youYou later learned that the statements were due to the discounted purchaseHowever, your balance increased due to fees being assessed and your credit has been negatively impactedDue to fear of bad credit, you remitted a payment of $This matter has caused a negative impact on your current apartment statusYou are asking the Bank to remove the delinquent information from your credit profile and adjust the balance on the account. Thank you for taking the time to speak with me on June 24, As discussed, we are not holding you responsible for the bank fees or negative payment informationAs requested, a follemail was sent to you on June 24, 2016; separate from this response. Please be assured that we issued credits to your account totaling $Furthermore, we received the $payment to your account, resulting in a credit balance of $A refund check for $43.76 was issued to you on June 28, 2016, and will be received separate from this letter in 7-business days. In addition, please be assured that notification was sent to the national credit-reporting agencies with instructions to delete the VICTORIA’S SECRET account, in its entirety, from your credit reportPlease allow them days to update their records. I 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***
I am satisfied with the response of the merchant with the Victoria Secret card I am rejecting the response of The Limited cardI believe the representative I spoke, when I request for the cards of Victoria Secret and The Limited be closed, led me to believe that the store The Limited had already been closedIf the store is closed, my daughter cannot used her cardWhen I found out that there was charges made on the Limited card, I called again and have it closedThe reason there was a delay in closing the account. Furthermore, there was deception on the part of the merchant representative, who did not give me the correct informationI paid charges for this account including a late payments, in the past coincide with Victoria Secret cardWhen the Comenity bank representative had told me that The Limited was already close, it tells me at that time that my daughter cannot used her card with this storeIf the bank investigate again of the telephone conversations made during my phone calls, a male representative, specifically, gave me the information that the store The Limited was closedThe representative personnel represents the bank, likewise, untruthful to the consumer, of giving misleading informationsI prefer that Comenity bank should erased all defaults similar to what they had made with Victoria Secret card. I am grateful of the Revdex.com for being a support to the consumersWithout this bureau, merchant will continually take advantage of consumers
Thank you for reviewing the documentation and the phone callsI understand that not making a payment will end up in a late feeThe minimum amount that you wanted was dollarsI was given a credit of dollars and paid dollarsTherefore you did receive a payment of MORE than the dollars I have no problems paying for my merchandise and even a late fee as I was lateI have a problems of when you can certainly tell that I closed the account and you can also certainly tell that I was under the impression that I paid it in full I would have of course paid the additional cents had I known about it I have now paid the full amount, and I respectfully request a refund of the additional dollars.
Regards, *** ***
Dear Ms***Thank you for contacting Comenity BankAs the bank that issues multiple credit card accounts,we are here to answer account-related questionsYour complaint, submitted to the BetterBusiness Bureau, was forwarded to my attention for reviewI appreciate the opportunity toassist you.We
understand that you and your mother are receiving multiple telephone calls to your landline,regarding a debt that you do not oweWe would like to assist you in resolving this matter.Unfortunately, we were unable to locate the account you are referencing in your complaintbased on the information you providedIn order to investigate your complaint, we request youprovide us with the telephone number that is being called and the name of whom the Bank isasking for.Once this information has been received, we will be able to investigate your complaint further.Please send this information to my attention at the address shown above, or you may fax it to###-###-####.In addition, please note that Comenity Bank does not issue or manage the Old Navy credit cardportfolioWe encourage you to contact the creditor directly to assist you in resolving yourconcerns.If you any further questions or concerns regarding this letter, please contact me at###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear
Mr***
We received your complaint, addressed to the
Revdex.com, regarding the above-referenced account. Comenity Bank issues Elder-Beerman credit
card accounts, and we are here to assist you with any account-related
questions. Your complaint was
forwarded
to my attention, and I appreciate the opportunity to respond to your concerns
Our understanding, as you state in the RevDex.com complaint, a payment for $was taken from your checking
account without your authorization. Furthermore,
you are requesting a refund for the amount above
Comenity Bank understands your concerns in
the complaint and would like to explain our findings
Our records indicate that on November 4,
2015, you contacted the Customer Service
department and selected the pay by phone option through our Interactive Voice Response
(IVR), system. At which time, our system
transferred you to a representative who would assist you in getting the payment
processed. After listening to the call
between you and our associate, we have confirmed your authorization of the
payment for $through Sun Federal Credit Union, account ending in *** This payment satisfied the minimum payment
which was due by November 5,
Further records show on December 1, 2015, you
also authorized a payment through our IVR for $50.00. This payment satisfied the minimum payment
which was due by December 5,
Please keep in mind that payments processed as
a pay by phone, or through the IVR, are sent electronically to your financial institution
and may post within 48-hours after processing
We hope you find this information helpful,
and we sincerely apologize for any confusion or inconvenience this matter has
caused you. If you have any further
questions about your account, please contact me at ###-###-####, ext*** *TDD/TTY ###-###-####). I will be
happy to assist you
Sincerely,
Jack C***