Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the Carson's credit card. We are here to answer your questions and assist with your concerns. We understand the concerns as...
explained in your correspondence. Your payments were made on the due date and two $25.00 late fees were applied to the account. You are requesting the late fees be credited. Based on our findings, two late fees of $27.00 each were applied to your account. The first late fee was assessed on August 4, 2016, because the payment of $30.00 made online, was received on August 5, 2016. The second late fee was applied to your account on September 4, 2016, because the payment of $35.00 made online, was received on September 5, 2016. The payments posted one day after your due date; therefore, late fees were assessed. 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. Comenity Bank has not found any errors with the account, and we are unwilling to remove both late fees that were assessed to the account, as they are valid. However, the interest of customer service, we have issued a credit of $27.00, for the August late fee. We value our customers and offer several payment options to ensure that payments can be received on time. • In-Store: You may drop off your payment in the store so it can be applied to your account on the same day. • Online: Online payments submitted before 8:00 p.m. Eastern Time (ET), can be credited to your account the same day. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on your future scheduled payment date). • Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. • Phone: If you need to make an expedited and convenient payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. Please be advised that Bank records indicate we did not receive a letter from you requesting the late fees to be removed. We apologize that we did not receive your previous correspondence. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M[redacted]
I filled out a form and faxed it to you with the proper information to dispute the charge is that where you're getting your information from it can't be because I have no idea what you're talking about it's like you're just making stuff up $129 had nothing to do with anything I never said that where are you finding this information? Why do you think that's what I'm disputing? Because again I never said that and I never wrote that on the form that I filled out let me try to explain it one more time I placed an order I charged it to your credit card $275.52 the merchandise arrived damaged so I returned it I've already given you the tracking number but if you don't have it let me know and I will give it to you again because it was on the form that I filled out that shows that the merchandise was returned and I was due a refund for $275.52 I know that the company is claiming they didn't receive the merchandise but unless they have some proof there's no reason why I shouldn't receive the full refund I provided proof and if you still don't have that information let me know and I will fill out the forms or whatever you need me to do again I don't know if you're aware that there are federal laws that protect consumers using credit cards I'm not trying to tell you how to do your job but by you telling me that the bank and the company Eddie Bauer are two different things I'm aware of that but I used your credit card maybe you're not aware the federal laws in place that require banks to protect their consumers I am I honestly don't think you want to be representing your bank and breaking the law at the same time you have an obligation to dispute this properly and unless the company can provide some proof of what they claim you have obligation to do a chargeback if you refuse to do your job I'm going to request that we begin arbitration which end of the law I have the right to do at that point you're going to have a lot of explaining to do I'm requesting that you go back and we examine the dispute document that I submitted to you and dispute this again and unless Eddie Bauer can provide some proof I expect a full refund their claim is outrageous
Regards, [redacted]
Dear Ms. [redacted]We received your additional complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bank issues Woman Within@ credit card accounts, andwe are here to assist you with all account-related questions or concerns. I appreciate theopportunity to respond to your concerns.Our records indicate that the situation referenced in your complaint has been investigated anda response has been previously issued explaining our findings and resolution. Comenity Bank'sposition remains unchanged. A copy of our previous response is included for your records.If you believe that this account is fraudulent, please contact our Account Protection team at###-###-#### (TDD/TTY ###-###-####).If you have further questions regarding the orders billed to your account, please contact WomanWithin at ###-###-####.We apologize for any confusion or frustration this matter may have caused you. Should youhave any further questions regarding your account, or a settlement, please contact PortfolioRecovery at ###-###-####.Sincerely.[redacted] Consumer Relations Specialist
Dear Ms. [redacted]We received your recent complaint regarding the account noted above. Comenity Bank issuesLane Bryant Retail redi it cards and we are here to help with your aecount-related questions andconcerns. Your complaint, addressed to the Revdex.com, was forwarded to myattention...
and I appreciate the oppartunify ta assist you,.We understand from your complaint that you have been enrolled in a debt managementprogram since June 2015. You state that all of your creditors have received this information andthat Comenity Bank has been provided the information multiple times. However, you state youhave received numerous telephone calls from the Bank, and have received as many as ten callsin a day, starting at 8:OO a.m. and ending at 8:QO p.m. Lastly, you feel the calls are harassingand you are requesting the calls to cease.Please note, when the Bank's records show an account as delinquent, the Bank will makeattempts to contact you regarding the status of the account. Many times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatus. Due to potential negative ramifications for our customers if an account remainsdelinquent, Comenity Bank may call you until our attempts to communicate are successful.Please be assured, Comenity Bank will honor your request to cease telephone communicationto the contact phone number ending in [redacted]; however, please understand you are stillresponsible for the remaining balance on the Lane Bryant Retail credit card account. If you arereceiving calls at another number, please advise so we may update our records.Please be advised, Comenity Bank has not received the request to include your account in adebt management program. Please have the debt management company send all applicablecorrespondence to:Comenity BankPO Box 1821 24Columbus, OH 43218-2124Currently, the Lane Bryant Retail credit card account is two billing cycles past due with aremaining balance of $1,247.09. A minimum payment of $179.00 is due by September 12,2015, which includes a past due amount of $117.00. If an account exceeds six consecutivebilling cycles past due, the account will be closed, written off, and reported to the national creditreportingagencies as an unpaid debt.We apologize for any frustration or inconvenience this matter may have caused. Should youhave any further questions or concerns regarding this letter, please feel free to contact me at[redacted],ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Geanine M[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the west elm credit card. We are here to answer your questions and assist with your concerns. We understand from your additional correspondence, you have contacted west elm customer service several times in regards to the 15% discount and the $50 sign on bonus, and you state you were advised that there is automatic link to access these offers. You also state that you have only received the 15% discount in the form of free shipping. We apologize for the inconvenience this matter may have caused you. As previously advised Comenity Bank and west elm are two separate entities. The Bank issues, and is responsible for addressing questions related to, your credit card account. West Elm is responsible for handling matters related to sales, online offers, merchandise processing, returns, and shipping. The Reward Dollars Program is also provided by west elm, which is solely responsible for the Program operation, and may change the terms and conditions of the Program at any time. Please be advised that the Welcome Offer $50 Bonus Reward Dollars are sent to new west elm cardholders in a direct mailing. Bank records indicate that your Welcome Offer $50 Bonus Reward Dollars was sent early this month and should be received shortly. With regard to the 15% discount offered for submitting your e-mail address, this offer is provided by west elm and allows an additional discount on your next purchase. The Bank is unwilling to credit your account for the above offers; however, you may contact west elm at the number provided below regarding the 15% discount on your next purchase. I hope you have found this information to be helpful. If you have any questions or concerns about the Reward Dollars Program, please feel free to contact west elm at ###-###-#### for assistance. Sincerely, Ashley H
Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referencedaccount. Comenity Capital Bank issues the Blair credit card accounts. We are here to answer yourquestions and assist with your concerns.We understand from your complaint that you received a bill for...
a $37.00 “return fee” that you were unawareof, and have refused to pay. You state you continue to be billed with additional charges, and the balanceis now $102.13. You have provided a billing statement from 2015 which confirms you were not previouslyassessed a return fee. Additionally, you are receiving numerous calls from Comenity Capital Bank eachday, which you refuse to answer.Please understand that Comenity Capital Bank and Blair are two separate entities. Comenity Capital Bankis responsible for addressing questions related to your credit card account, while Blair is responsible forhandling matters related to sales, merchandise processing, returns, and shipping.When ordering merchandise by mail, you generally will be charged for shipping and handling as well as thecost of the merchandise. If merchandise is returned within 90 days, Blair will refund the cost of themerchandise, but shipping and handling charges are not refundable. If you use the Customer Return Label(CRL), for your return, Blair will charge your account $9.99 when processing your return. Blair’s returnpolicy states:There are no time limits on returns at Blair. If you're not 100% pleased with your purchase, we'llgladly provide an exchange or refund your purchase price (excluding discounts, and shipping andhandling charges) for items returned in their original condition within 90 days after you receivethem. Refunds will be made in your original form of payment. For products returned in originalcondition after 90 days of your receipt, you will receive a merchandise credit certificate equal toyour original purchase price (excluding discounts, and shipping and handling charges) which willbe good towards a future purchase at Blair.The following policies may also apply:• Unless defective or damaged in shipment, items marked with an “(H)” in the catalog and onour website cannot be returned. These products include those such as intimateapparel, certain third party branded goods, and health and personal care items.• Products that are customized, monogrammed or perishable cannot be returned unlessdefective or damaged in shipment.• Return of larger items may be subject to a restocking, return delivery and/or shipping andhandling charge, except where prohibited by law.• For purchases made through our retail store, you must visit a Blair store and provide yourreceipt as proof of purchase.The last return credit applied to your account was on July 21, 2016, in the amount of $33.49. Your billingstatement indicates a late fee of $27.00 was assessed to the account. Please be advised, this is not areturn fee, but rather a late fee. The late fee was assessed as no payment was received by the August 12,2016, due date.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.As a courtesy, we have credited the amount of $116.96 in late fees and $7.69 in finance charges. Thebalance on your account will be $9.99, which is the amount it costs to use the “Smart Label”. The $9.99amount is to be paid by February 12, 2017. Should payment not be made by the due date, the account willbe subject to further late fees and finance charges. If you would like to discuss the Smart Label fee, pleasecontact Blair at ###-###-####.Additionally, notification has been sent to the national credit-reporting agencies with instructions to removethe delinquencies reported from October 2016 through January 2017. Please allow the credit-reportingagencies 45 days to update their records.As these adjustments have been made in the interest of customer service, please be advised that no furthercredits or adjustments will be made.You should no longer be receiving phone calls at the telephone number ending in 6714 as we have markedthis number with “Do Not Call” instructions.We value you as a customer, and hope you find this information to be helpful. If you have any furtherquestions, please contact me directly at ###-###-####. I will be happy to assist you.Sincerely,Diamond L[redacted]
Comenity Bank has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the VICTORIA’S SECRET, and PALAIS ROYAL credit cards. We also previously issued dressbarn credit cards. We are here to answer your questions and assist with your concerns....
We understand from your complaint that on June 30, 2016, you made a $50.00 payment to each account, from a closed checking account, which was set as the default account. You received an email stating that the payment did not process. You deleted the closed checking account information and rescheduled all three payments. In August, you received a phone call from the Bank requesting that you make a payment. You advised the situation with the payments and assured them you had rescheduled. You state that the manager advised you those payments were not received, so you called your Bank who confirmed in fact those payments did clear. Your Bank advised us, that they would dispute the payments on your behalf to withdraw the funds. Due to this matter, return fees were assessed to each account and the utility was suspended. Additionally, you made payments on December 2, 2016, and those payments were rejected by us. You request the Bank to correct the false reporting and refund you $150.00, as you were informed incorrectly that those payments did not post and for rejecting your payments. I am happy to share my findings. We did review the phone call from August 22, 2016, we understand conflicting information was provided regarding which payment returned between the payment scheduled June 30, 2016 and July 6, 2016. Please be assured, as a courtesy we have issued a $27.00 credit to each above-referenced account. We have followed up with our internal partners regarding the additional returned payments. We have been advised that we are not rejecting your payments. They suggest that when you advised your Bank to withdraw the payments in August, that your Bank may have put a permanent stop payment on all funds scheduled to Comenity Bank. We suggest contacting your Bank directly to remove the block. Furthermore, the letters dated August 25, 2016, were sent after the second payment was returned within 90 days. This letter states that the accounts are suspended for further purchases, until payments are brought current and maintained with three consecutive on-time payments. Bank records indicate that the accounts were reported 30 days late to the credit bureaus in August 2016, regarding this matter. As a courtesy, we have sent notification to the credit bureaus to remove the 30 day late reporting. In addition to, we have removed the utility suspension status. You may now use the VICTORIA’S SECRET , and PALAIS ROYAL accounts to make purchases. The dressbarn credit card account is no longer financed by Comenity Bank as of December 28, 2016. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M
Dear [redacted]:We received your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Comenity Bank issues The Sportsman's Guide Visa@ accounts and we respondto all account-related questions. Your complaint was forwarded to my attention, and Iappreciate this...
opportunity to assist you.It was a pleasure speaking with you on May 15, 2015. This letter serves as a follow-up to ourtelephone conversation and confirms the actions taken to resolve your concerns. I have deletedyour initial registration with our Account Center web site, and suggested you register youraccount as a new user to ensure continuous access to your account. Additionally, I have visitedyour account and see that you have successfully registered your account, and you have beenable to log in to Account Center.You are a valued customer, and we appreciate your business. Your opinion of our service isimportant to us. We apologize for any frustration or inconvenience you may have experiencedregarding this matter.Should you have any additional questions or concerns, please do not hesitate to contact medirectly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you.Sincerely,
[redacted]Consumer Relations Specialist
Dear Ms. [redacted]We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT 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 are not happy with the length of time the credit-reporting agencies will take to update the information regarding the above-referenced account. We sincerely apologize for any frustration this matter has caused you.Please be assured that Comenity Bank confirmed that the above-referenced account is no longer reporting on your credit report.We hope you find this information helpful. If you have any further questions this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Renee S[redacted]
Dear Ms. [redacted]: We recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts and we respond to all account-related inquiries. I appreciate the...
opportunity to assist you. We understand from your complaint that you were offered a $25.00 Visa gift card to enroll in Account Assure, an optional debt cancellation program, in March 2015. Upon receiving the enrollment package by mail, which indicated an enrollment date of March 11, 2015, you immediately signed and returned the completed forms to confirm your enrollment. The first two charges for Account Assure were applied to the above-noted account on April 7, 2015, and May 8, 2015. On June 3, 2015, you called to inquire about the delay in the receipt of the $25.00 Visa gift card. During that telephone call, you were notified that your enrollment documents were not received until May 28, 2015, and that you should expect to receive the Visa gift card within 4-6 weeks from that date. Furthermore, you state that you are dissatisfied with the level of service that you received when contacting a Customer Care representative regarding this matter. You are requesting that the Bank send you the $25.00 Visa gift card as soon as possible. We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you. Thank you for taking the time to speak with me on June 19, 2015, regarding this matter. As a follow-up to our conversation, our records indicate on March 11, 2015, you elected to enroll in Account Assure, an optional debt cancellation program. The monthly fee for Account Assure is based on the outstanding monthly balance of your HSN account. The monthly fee is $1.99 per $100.00 of your outstanding balance. If there is no balance at billing, there is no charge. Our records further indicate that the previous billing dates for your HSN credit card account were on April 7, 2015, May 8, 2015, and June 7, 2015; as such, your HSN account was assessed the monthly fee of $1.99 per $100.00 of your outstanding balance on those dates. Please be advised that Aon administers the Account Assure program on behalf of the Bank. On your behalf, we contacted Aon regarding the delay in receipt of the $25.00 Visa gift card for your enrollment into Account Assure. Aon confirmed that they received your Disclosure Acknowledgment statement on May 29, 2015, and mailed the $25.00 Visa gift card to your address on June 2, 2015. Please allow 4-6 weeks to receive this mailing. Due to the inconvenience this matter has caused, Aon agreed to send an additional gift card with standard overnight shipping on June 15, 2015. Lastly, we apologize for the level of service you received during your telephone call on June 3, 2015. We apologize if you felt that you did not receive the best customer service. However, our records indicate that this telephone call took place with Aon directly, not Comenity Capital Bank. Your opinion is important to us, and we appreciate the time you spent in notifying us of your concerns. We value you as a customer, and we hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the 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, you made a purchase that was supposed to be on a 12 month deferred interest plan and after your merchandise was delivered you received rewards instead of the deferred interest plan. You are requesting that your purchase be placed on the 12 month deferred interest plan and have all interest removed from your account. We would like to apologize for any inconvenience this matter may have caused you. After careful review of your account we have determined that your purchase of $3,813.43 was transferred to the 12 month deferred interest plan on July 3, 2015. However, the adjustment was inadvertently reversed on August 3, 2015. To correct this error we have removed $431.04 in interest charges from your account. These credits posted to your account on March 2, 2016, and March 16, 2016. Please be assured we placed your remaining balance on the deferred interest plan which is scheduled to expire on June 4, 2016. Your payment of $459.62 was received on March 18, 2016. Your account now reflects a balance of $2,018.48. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
Not one time did I dispute the fact that my account was past due. Also I never disputed the late fees so what is Comenity Bank specifically Rosa M[redacted] talking about? I definitely don't need to read my credit card agreement to understand when you don't make the minimum payment by the due date late fees are accessed. I know this already!!! Once again, no where in my complaint did I dispute my account being past due, late fees accessed, or when my payment is due. Also I know my account is a revolving account. I knew this when I applied for the credit card. All store credit cards are revolving accounts. This is nothing new to me. My complaints were the excessive calls, calling my father and Rosa's RUDE & CONDESCENDING CO-WORKERS. Rosa's responses were nothing but the typical "boiler plate" responses.
Regards, [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Lane Bryant credit card accounts. We are here to answer your questions and assist with your concerns. We understand, from you complaint to the Better...
Business Bureau, that you received a billing statement indicating that your account had been assessed two late fees. You contacted the Bank and spoke to a representative that advised you they would credit a late fee on your account. The amount of $28.44 was credited, and you were under the impression that the remaining balance would be $29.00. As there had been both credits and payments on the account, you feel the minimum due amount was covered, and you shouldn’t have been charged an additional late fee of $32.00.You are requesting to have your account closed and the additional late fee of $32.00 credited to the account. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. On January 17, 2017, you contacted the Bank stating you had been charged two late fees and wanted to have them credited. You further stated that if the representative was unable to do so, you wished to have the account closed. The representative advised that she would be able to credit one late fee, and the remaining balance would be $29.56. As the $29.56 included a late fee, you requested to have the account closed. On February 13, 2017, you contacted the Bank twice in reference to receiving a billing statement that reflected a $32.00 late fee. You advised the representatives that you called in previously, had a late fee waived, and paid the remaining balance. You requested to have this additional late fee removed. The representatives advised that since you had a prior late fee removed, they were unable to provide any further credits, and you were responsible for the balance of $32.56. 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. As the Bank has provided your account with a one-time courtesy adjustment of a late fee on January 17, 2017, we decline your request to provide any further credits. As of the date of this letter the balance on your account is $32.56, with a minimum amount of $27.00, due by March 3, 2017. Please be advised that the account was closed, per your request, on January 17, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L[redacted]
We received the complaint addressed to the Revdex.com, which you submitted on your mother’s behalf, regarding the above-referenced account. Comenity Capital Bank issues THE TOG SHOP credit card accounts, and we are here to help with account-related questions. Your complaint was...
forwarded to my attention, and I appreciate the opportunity to assist you. The complaint states that your mother purchased clothing items, and then returned one of the items for a larger size, and the rest for a refund. She paid for the one item and she has been billed ever since. After a monthly billing statement reflecting a balance of $158.46 was received, you and your sister paid the balance of $158.46; however, your mother received another billing statement reflecting a balance of $40.54. Lastly, when your mother returned the merchandise, your mother was given a credit for $10.00 less than the original price. We sincerely apologize for any inconvenience or frustration this matter may have caused you and your mother. Thank you for the information you provided, regarding your mother’s account. Please be advised that Comenity Capital Bank is only able to provide information to the primary accountholder. Because you are not the primary accountholder, a separate letter is being sent to [redacted] with our findings and resolution. We hope you find this information helpful. If you have any further questions regarding this letter, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (888) 819-1918). I will be happy to assist you. Sincerely, Laura R[redacted] Consumer Relations Specialist CC: Revdex.com
[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 [redacted], and find the resolution is...
satisfactory to me. Thank you for your assistance in resolving this issue and clearing my account balance.
Regards,
[redacted]
obviously they were trying to collect for a different person, it took all this time to come back with a response which is exactly what I said in my complaint. I want to know what they are going to do to prevent future ongoing calls starting back up interrupting my business number.
Regards,
[redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Woman Within credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that...
you placed an order amounting to $205.95 from Woman Within in September 2016. You state that you never received the items from this order. You state that you have sent several letters to the Bank and Woman Within, regarding not receiving the order; however, you have not received any satisfaction. You further state the Bank informed you to obtain lost/stolen forms from Woman Within. You requested them but never received them and when you call, the hold time is long. You state this matter has affected your credit report. You request: the charge of $205.95, the late fees, finance charges and the negative action on your credit report be removed. I am happy to share my findings. Please note that Woman Within and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Woman Within is responsible for handling matters related to sales, merchandise processing, returns and shipping. Bank records indicate, per your dispute with the Bank, Woman Within provided proof of the delivery of the merchandise. Due to these findings, the Bank finds the balance to be valid. For further assistance with this matter, we suggest you contact Woman Within directly at ###-###-####. 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. Due to no payments made for the statement issued December 26, 2016, of $233.16, fees were assessed to the balance. Additional billing statements were issued January 2017, February 2017, March 2017, April 2017, and May 2017. The account is currently five billing cycles past due with a balance of $429.57 and a minimum payment of $90.00 due by June 21, 2017. If an account exceeds six consecutive billing cycles past due, the account will be closed, written off and reported to the credit-reporting agencies as an unpaid debt. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Kaija M[redacted] Compliance Dept. – Consumer Responses
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Jessica London® credit card accounts, and we arehere to assist you with all account-related questions. I appreciate the opportunity to respond toyour concerns.We...
understand from your complaint that you received additional charges after you paid yourbalance in full. You contacted our Customer Care team and we did not respond appropriately.You state you received a form letter that does not address your concerns or acknowledge that weare going to correct the problem. You are receiving collection telephone calls. You state youwere never told what the extra charges were for. You would like the charges removed from theaccount, and the calls to stop. We apologize for any frustration this matter may have caused you.Bank records indicate that a statement was issued on February 19, 2016, indicating a balance of$450.80, with a minimum payment of $20.00 due by March 16, 2016. No payment was receivedby the March due date; therefore, a late fee was assessed to your account.A statement was issued on March 21, 2016. This statement had a balance of $480.81 with aminimum payment of $40.00 due by April 16, 2016.Please be advised that we received your payment of $450.80 on April 8, 2016. Since the paymentof $450.80 was received after the March 16, 2016, due date, it did not satisfy the full balance andadditional billing statements were issued.A billing statement was issued on April 20, 2016. This statement had a balance of $33.96 with aminimum payment of $20.00 due by May 16, 2016.The Bank did not receive payment on the account after April 8, 2016. Please keep in mind whenpayments are not received, are received after the due date, or are made for less than the minimumrequired, the account will be assessed a late fee and finance charge, as explained in the CreditCard Agreement.Additionally, please understand that when an account is delinquent, we will make attempts tocontact the customer regarding the status of the account. Many times a payment is overlookedby the customer, and a reminder call is helpful to bring the account back to a current status. Dueto potential negative ramifications for our customers if an account remains delinquent, we maycall until our attempt to communicate is successful. Bank records indicate that you previously disputed the account balance directly with the Bank,and a response was sent to you on August 9, 2016. We find that the August 9 letter is the onlyform letter sent by the Bank, and it confirmed that we credited your account, and your balance iszero.Additionally, please be assured that we sent notification to the national credit-reporting agencieswith instructions to remove the delinquencies that were reported for June and July 2016. Pleaseallow 45 days for their records to be updated.I hope this information is helpful. If you have any further questions regarding your account, pleasecontact me at (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be happy to assistyou.Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Thank you for contacting the Revdex.com, regarding the above-referenced account. ComenityCapital Bank issues your iComfort by Sertat credit card account and we are here to assist with youraccount-related questions. Your correspondence was forwarded to my attention, and I appreciate...
theopportunity to respond to your concerns.We understand from your correspondence that you have concerns regarding the balance on your accountin regard to merchandise that was returned and credit that should have been applied to the account.Additionally, you have concerns regarding the impact this matter is having on your credit report. Weapologize for any inconvenience or frustration this matter may have caused you.Our records indicate that a purchase of $3,285.34 was placed on the account on May 31, 2015. Anadditional purchase in the amount of $1,895.96 was placed to the account on July 29, 2015. On August20, 2015, a credit in the amount of $2,592.54 was issued to the account by iCornfort by Serta. Nofurther credits have been received to the account.Please note, Comenity Capital Bank and iComfort by Serta are separate companies. The Bank issuesand is responsible for addressing questions related to your iComfort by Serta credit card account.iComfort by Serta is responsible for handling matters related to sales, merchandise processing, returnsand shipping.As your concerns are not with Comenity Capital Bank, we recommend you forward your letter to thecorporate office of iComfort by Serta. They may be reached using the following information;Serta[redacted]Please be advised that based on the terms of purchase and cancellations, we find the account balance tobe valid; therefore, the information reported to the credit-reporting agencies regarding the account will notbe changed or deleted.We hope you find this information to be helpful. Should you have any further questions, please contact medirectly at (800) 675-5685, ext. 7293165 (TDD/TTY (888) 819-1918). I will be happy to assist you.Sincerely,Justina M[redacted]Consumer Relations SpecialistCC:Revdex.com
Comenity bank response is beyond ridiculous , just a response yet so far no evidence was ever presented to me or to Revdex.com . They provided stupid statement accusing me of purchases with no supporting documents , I am asking for following evidence : my signature of purchases , IP address of computer , delivery people names & evidence of excepting merchandise & signature of exeptance , dates of purchases & dates of delivery . Recording to FBI & high profile federal agencies , comenity bank has the most internal fraud complaints , including reviews of actual customers which is 99% negative ! By federal law bank is required to provide factual evidence against me & to this moment they have not done it !!!! They issued pathetic statement to me & the same statement was provided to you Revdex.com , absolutely useless . If they are so honest how is it that they kept fraudelant account open for months & than issued new account ? Who in the world keeps account open after it was reported FRAUD allow purchases & months later closes account & opens the new one ? That's insane , also they reported me to credit bureaus as 'ok ' payment for 6 months ? I never made any purchases on account ending [redacted] & I never made any payments to that account !!! I exsausted all avenues with this scam bank , therefore I will involved higher federal agencies to step in & investigate this case & only over my dead body I will make payment to those clowns for fraudelant purchases & scam , in the same time I am talking to media to assist with the case & of course my law firm . [redacted]
Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the Carson's credit card. We are here to answer your questions and assist with your concerns. We understand the concerns as...
explained in your correspondence. Your payments were made on the due date and two $25.00 late fees were applied to the account. You are requesting the late fees be credited. Based on our findings, two late fees of $27.00 each were applied to your account. The first late fee was assessed on August 4, 2016, because the payment of $30.00 made online, was received on August 5, 2016. The second late fee was applied to your account on September 4, 2016, because the payment of $35.00 made online, was received on September 5, 2016. The payments posted one day after your due date; therefore, late fees were assessed. 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. Comenity Bank has not found any errors with the account, and we are unwilling to remove both late fees that were assessed to the account, as they are valid. However, the interest of customer service, we have issued a credit of $27.00, for the August late fee. We value our customers and offer several payment options to ensure that payments can be received on time. • In-Store: You may drop off your payment in the store so it can be applied to your account on the same day. • Online: Online payments submitted before 8:00 p.m. Eastern Time (ET), can be credited to your account the same day. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on your future scheduled payment date). • Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. • Phone: If you need to make an expedited and convenient payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. Please be advised that Bank records indicate we did not receive a letter from you requesting the late fees to be removed. We apologize that we did not receive your previous correspondence. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M[redacted]
I filled out a form and faxed it to you with the proper information to dispute the charge is that where you're getting your information from it can't be because I have no idea what you're talking about it's like you're just making stuff up $129 had nothing to do with anything I never said that where are you finding this information? Why do you think that's what I'm disputing? Because again I never said that and I never wrote that on the form that I filled out let me try to explain it one more time I placed an order I charged it to your credit card $275.52 the merchandise arrived damaged so I returned it I've already given you the tracking number but if you don't have it let me know and I will give it to you again because it was on the form that I filled out that shows that the merchandise was returned and I was due a refund for $275.52 I know that the company is claiming they didn't receive the merchandise but unless they have some proof there's no reason why I shouldn't receive the full refund I provided proof and if you still don't have that information let me know and I will fill out the forms or whatever you need me to do again I don't know if you're aware that there are federal laws that protect consumers using credit cards I'm not trying to tell you how to do your job but by you telling me that the bank and the company Eddie Bauer are two different things I'm aware of that but I used your credit card maybe you're not aware the federal laws in place that require banks to protect their consumers I am I honestly don't think you want to be representing your bank and breaking the law at the same time you have an obligation to dispute this properly and unless the company can provide some proof of what they claim you have obligation to do a chargeback if you refuse to do your job I'm going to request that we begin arbitration which end of the law I have the right to do at that point you're going to have a lot of explaining to do I'm requesting that you go back and we examine the dispute document that I submitted to you and dispute this again and unless Eddie Bauer can provide some proof I expect a full refund their claim is outrageous
Regards, [redacted]
Dear Ms. [redacted]We received your additional complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bank issues Woman Within@ credit card accounts, andwe are here to assist you with all account-related questions or concerns. I appreciate theopportunity to respond to your concerns.Our records indicate that the situation referenced in your complaint has been investigated anda response has been previously issued explaining our findings and resolution. Comenity Bank'sposition remains unchanged. A copy of our previous response is included for your records.If you believe that this account is fraudulent, please contact our Account Protection team at###-###-#### (TDD/TTY ###-###-####).If you have further questions regarding the orders billed to your account, please contact WomanWithin at ###-###-####.We apologize for any confusion or frustration this matter may have caused you. Should youhave any further questions regarding your account, or a settlement, please contact PortfolioRecovery at ###-###-####.Sincerely.[redacted] Consumer Relations Specialist
Dear Ms. [redacted]We received your recent complaint regarding the account noted above. Comenity Bank issuesLane Bryant Retail redi it cards and we are here to help with your aecount-related questions andconcerns. Your complaint, addressed to the Revdex.com, was forwarded to myattention...
and I appreciate the oppartunify ta assist you,.We understand from your complaint that you have been enrolled in a debt managementprogram since June 2015. You state that all of your creditors have received this information andthat Comenity Bank has been provided the information multiple times. However, you state youhave received numerous telephone calls from the Bank, and have received as many as ten callsin a day, starting at 8:OO a.m. and ending at 8:QO p.m. Lastly, you feel the calls are harassingand you are requesting the calls to cease.Please note, when the Bank's records show an account as delinquent, the Bank will makeattempts to contact you regarding the status of the account. Many times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatus. Due to potential negative ramifications for our customers if an account remainsdelinquent, Comenity Bank may call you until our attempts to communicate are successful.Please be assured, Comenity Bank will honor your request to cease telephone communicationto the contact phone number ending in [redacted]; however, please understand you are stillresponsible for the remaining balance on the Lane Bryant Retail credit card account. If you arereceiving calls at another number, please advise so we may update our records.Please be advised, Comenity Bank has not received the request to include your account in adebt management program. Please have the debt management company send all applicablecorrespondence to:Comenity BankPO Box 1821 24Columbus, OH 43218-2124Currently, the Lane Bryant Retail credit card account is two billing cycles past due with aremaining balance of $1,247.09. A minimum payment of $179.00 is due by September 12,2015, which includes a past due amount of $117.00. If an account exceeds six consecutivebilling cycles past due, the account will be closed, written off, and reported to the national creditreportingagencies as an unpaid debt.We apologize for any frustration or inconvenience this matter may have caused. Should youhave any further questions or concerns regarding this letter, please feel free to contact me at[redacted],ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Geanine M[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the west elm credit card. We are here to answer your questions and assist with your concerns. We understand from your additional correspondence, you have contacted west elm customer service several times in regards to the 15% discount and the $50 sign on bonus, and you state you were advised that there is automatic link to access these offers. You also state that you have only received the 15% discount in the form of free shipping. We apologize for the inconvenience this matter may have caused you. As previously advised Comenity Bank and west elm are two separate entities. The Bank issues, and is responsible for addressing questions related to, your credit card account. West Elm is responsible for handling matters related to sales, online offers, merchandise processing, returns, and shipping. The Reward Dollars Program is also provided by west elm, which is solely responsible for the Program operation, and may change the terms and conditions of the Program at any time. Please be advised that the Welcome Offer $50 Bonus Reward Dollars are sent to new west elm cardholders in a direct mailing. Bank records indicate that your Welcome Offer $50 Bonus Reward Dollars was sent early this month and should be received shortly. With regard to the 15% discount offered for submitting your e-mail address, this offer is provided by west elm and allows an additional discount on your next purchase. The Bank is unwilling to credit your account for the above offers; however, you may contact west elm at the number provided below regarding the 15% discount on your next purchase. I hope you have found this information to be helpful. If you have any questions or concerns about the Reward Dollars Program, please feel free to contact west elm at ###-###-#### for assistance. Sincerely, Ashley H
Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referencedaccount. Comenity Capital Bank issues the Blair credit card accounts. We are here to answer yourquestions and assist with your concerns.We understand from your complaint that you received a bill for...
a $37.00 “return fee” that you were unawareof, and have refused to pay. You state you continue to be billed with additional charges, and the balanceis now $102.13. You have provided a billing statement from 2015 which confirms you were not previouslyassessed a return fee. Additionally, you are receiving numerous calls from Comenity Capital Bank eachday, which you refuse to answer.Please understand that Comenity Capital Bank and Blair are two separate entities. Comenity Capital Bankis responsible for addressing questions related to your credit card account, while Blair is responsible forhandling matters related to sales, merchandise processing, returns, and shipping.When ordering merchandise by mail, you generally will be charged for shipping and handling as well as thecost of the merchandise. If merchandise is returned within 90 days, Blair will refund the cost of themerchandise, but shipping and handling charges are not refundable. If you use the Customer Return Label(CRL), for your return, Blair will charge your account $9.99 when processing your return. Blair’s returnpolicy states:There are no time limits on returns at Blair. If you're not 100% pleased with your purchase, we'llgladly provide an exchange or refund your purchase price (excluding discounts, and shipping andhandling charges) for items returned in their original condition within 90 days after you receivethem. Refunds will be made in your original form of payment. For products returned in originalcondition after 90 days of your receipt, you will receive a merchandise credit certificate equal toyour original purchase price (excluding discounts, and shipping and handling charges) which willbe good towards a future purchase at Blair.The following policies may also apply:• Unless defective or damaged in shipment, items marked with an “(H)” in the catalog and onour website cannot be returned. These products include those such as intimateapparel, certain third party branded goods, and health and personal care items.• Products that are customized, monogrammed or perishable cannot be returned unlessdefective or damaged in shipment.• Return of larger items may be subject to a restocking, return delivery and/or shipping andhandling charge, except where prohibited by law.• For purchases made through our retail store, you must visit a Blair store and provide yourreceipt as proof of purchase.The last return credit applied to your account was on July 21, 2016, in the amount of $33.49. Your billingstatement indicates a late fee of $27.00 was assessed to the account. Please be advised, this is not areturn fee, but rather a late fee. The late fee was assessed as no payment was received by the August 12,2016, due date.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.As a courtesy, we have credited the amount of $116.96 in late fees and $7.69 in finance charges. Thebalance on your account will be $9.99, which is the amount it costs to use the “Smart Label”. The $9.99amount is to be paid by February 12, 2017. Should payment not be made by the due date, the account willbe subject to further late fees and finance charges. If you would like to discuss the Smart Label fee, pleasecontact Blair at ###-###-####.Additionally, notification has been sent to the national credit-reporting agencies with instructions to removethe delinquencies reported from October 2016 through January 2017. Please allow the credit-reportingagencies 45 days to update their records.As these adjustments have been made in the interest of customer service, please be advised that no furthercredits or adjustments will be made.You should no longer be receiving phone calls at the telephone number ending in 6714 as we have markedthis number with “Do Not Call” instructions.We value you as a customer, and hope you find this information to be helpful. If you have any furtherquestions, please contact me directly at ###-###-####. I will be happy to assist you.Sincerely,Diamond L[redacted]
Comenity Bank has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the VICTORIA’S SECRET, and PALAIS ROYAL credit cards. We also previously issued dressbarn credit cards. We are here to answer your questions and assist with your concerns....
We understand from your complaint that on June 30, 2016, you made a $50.00 payment to each account, from a closed checking account, which was set as the default account. You received an email stating that the payment did not process. You deleted the closed checking account information and rescheduled all three payments. In August, you received a phone call from the Bank requesting that you make a payment. You advised the situation with the payments and assured them you had rescheduled. You state that the manager advised you those payments were not received, so you called your Bank who confirmed in fact those payments did clear. Your Bank advised us, that they would dispute the payments on your behalf to withdraw the funds. Due to this matter, return fees were assessed to each account and the utility was suspended. Additionally, you made payments on December 2, 2016, and those payments were rejected by us. You request the Bank to correct the false reporting and refund you $150.00, as you were informed incorrectly that those payments did not post and for rejecting your payments. I am happy to share my findings. We did review the phone call from August 22, 2016, we understand conflicting information was provided regarding which payment returned between the payment scheduled June 30, 2016 and July 6, 2016. Please be assured, as a courtesy we have issued a $27.00 credit to each above-referenced account. We have followed up with our internal partners regarding the additional returned payments. We have been advised that we are not rejecting your payments. They suggest that when you advised your Bank to withdraw the payments in August, that your Bank may have put a permanent stop payment on all funds scheduled to Comenity Bank. We suggest contacting your Bank directly to remove the block. Furthermore, the letters dated August 25, 2016, were sent after the second payment was returned within 90 days. This letter states that the accounts are suspended for further purchases, until payments are brought current and maintained with three consecutive on-time payments. Bank records indicate that the accounts were reported 30 days late to the credit bureaus in August 2016, regarding this matter. As a courtesy, we have sent notification to the credit bureaus to remove the 30 day late reporting. In addition to, we have removed the utility suspension status. You may now use the VICTORIA’S SECRET , and PALAIS ROYAL accounts to make purchases. The dressbarn credit card account is no longer financed by Comenity Bank as of December 28, 2016. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M
Dear [redacted]:We received your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Comenity Bank issues The Sportsman's Guide Visa@ accounts and we respondto all account-related questions. Your complaint was forwarded to my attention, and Iappreciate this...
opportunity to assist you.It was a pleasure speaking with you on May 15, 2015. This letter serves as a follow-up to ourtelephone conversation and confirms the actions taken to resolve your concerns. I have deletedyour initial registration with our Account Center web site, and suggested you register youraccount as a new user to ensure continuous access to your account. Additionally, I have visitedyour account and see that you have successfully registered your account, and you have beenable to log in to Account Center.You are a valued customer, and we appreciate your business. Your opinion of our service isimportant to us. We apologize for any frustration or inconvenience you may have experiencedregarding this matter.Should you have any additional questions or concerns, please do not hesitate to contact medirectly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you.Sincerely,
[redacted]Consumer Relations Specialist
Dear Ms. [redacted]We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT 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 are not happy with the length of time the credit-reporting agencies will take to update the information regarding the above-referenced account. We sincerely apologize for any frustration this matter has caused you.Please be assured that Comenity Bank confirmed that the above-referenced account is no longer reporting on your credit report.We hope you find this information helpful. If you have any further questions this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Renee S[redacted]
Dear Ms. [redacted]: We recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts and we respond to all account-related inquiries. I appreciate the...
opportunity to assist you. We understand from your complaint that you were offered a $25.00 Visa gift card to enroll in Account Assure, an optional debt cancellation program, in March 2015. Upon receiving the enrollment package by mail, which indicated an enrollment date of March 11, 2015, you immediately signed and returned the completed forms to confirm your enrollment. The first two charges for Account Assure were applied to the above-noted account on April 7, 2015, and May 8, 2015. On June 3, 2015, you called to inquire about the delay in the receipt of the $25.00 Visa gift card. During that telephone call, you were notified that your enrollment documents were not received until May 28, 2015, and that you should expect to receive the Visa gift card within 4-6 weeks from that date. Furthermore, you state that you are dissatisfied with the level of service that you received when contacting a Customer Care representative regarding this matter. You are requesting that the Bank send you the $25.00 Visa gift card as soon as possible. We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you. Thank you for taking the time to speak with me on June 19, 2015, regarding this matter. As a follow-up to our conversation, our records indicate on March 11, 2015, you elected to enroll in Account Assure, an optional debt cancellation program. The monthly fee for Account Assure is based on the outstanding monthly balance of your HSN account. The monthly fee is $1.99 per $100.00 of your outstanding balance. If there is no balance at billing, there is no charge. Our records further indicate that the previous billing dates for your HSN credit card account were on April 7, 2015, May 8, 2015, and June 7, 2015; as such, your HSN account was assessed the monthly fee of $1.99 per $100.00 of your outstanding balance on those dates. Please be advised that Aon administers the Account Assure program on behalf of the Bank. On your behalf, we contacted Aon regarding the delay in receipt of the $25.00 Visa gift card for your enrollment into Account Assure. Aon confirmed that they received your Disclosure Acknowledgment statement on May 29, 2015, and mailed the $25.00 Visa gift card to your address on June 2, 2015. Please allow 4-6 weeks to receive this mailing. Due to the inconvenience this matter has caused, Aon agreed to send an additional gift card with standard overnight shipping on June 15, 2015. Lastly, we apologize for the level of service you received during your telephone call on June 3, 2015. We apologize if you felt that you did not receive the best customer service. However, our records indicate that this telephone call took place with Aon directly, not Comenity Capital Bank. Your opinion is important to us, and we appreciate the time you spent in notifying us of your concerns. We value you as a customer, and we hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the 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, you made a purchase that was supposed to be on a 12 month deferred interest plan and after your merchandise was delivered you received rewards instead of the deferred interest plan. You are requesting that your purchase be placed on the 12 month deferred interest plan and have all interest removed from your account. We would like to apologize for any inconvenience this matter may have caused you. After careful review of your account we have determined that your purchase of $3,813.43 was transferred to the 12 month deferred interest plan on July 3, 2015. However, the adjustment was inadvertently reversed on August 3, 2015. To correct this error we have removed $431.04 in interest charges from your account. These credits posted to your account on March 2, 2016, and March 16, 2016. Please be assured we placed your remaining balance on the deferred interest plan which is scheduled to expire on June 4, 2016. Your payment of $459.62 was received on March 18, 2016. Your account now reflects a balance of $2,018.48. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
Not one time did I dispute the fact that my account was past due. Also I never disputed the late fees so what is Comenity Bank specifically Rosa M[redacted] talking about? I definitely don't need to read my credit card agreement to understand when you don't make the minimum payment by the due date late fees are accessed. I know this already!!! Once again, no where in my complaint did I dispute my account being past due, late fees accessed, or when my payment is due. Also I know my account is a revolving account. I knew this when I applied for the credit card. All store credit cards are revolving accounts. This is nothing new to me. My complaints were the excessive calls, calling my father and Rosa's RUDE & CONDESCENDING CO-WORKERS. Rosa's responses were nothing but the typical "boiler plate" responses.
Regards, [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Lane Bryant credit card accounts. We are here to answer your questions and assist with your concerns. We understand, from you complaint to the Better...
Business Bureau, that you received a billing statement indicating that your account had been assessed two late fees. You contacted the Bank and spoke to a representative that advised you they would credit a late fee on your account. The amount of $28.44 was credited, and you were under the impression that the remaining balance would be $29.00. As there had been both credits and payments on the account, you feel the minimum due amount was covered, and you shouldn’t have been charged an additional late fee of $32.00.You are requesting to have your account closed and the additional late fee of $32.00 credited to the account. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. On January 17, 2017, you contacted the Bank stating you had been charged two late fees and wanted to have them credited. You further stated that if the representative was unable to do so, you wished to have the account closed. The representative advised that she would be able to credit one late fee, and the remaining balance would be $29.56. As the $29.56 included a late fee, you requested to have the account closed. On February 13, 2017, you contacted the Bank twice in reference to receiving a billing statement that reflected a $32.00 late fee. You advised the representatives that you called in previously, had a late fee waived, and paid the remaining balance. You requested to have this additional late fee removed. The representatives advised that since you had a prior late fee removed, they were unable to provide any further credits, and you were responsible for the balance of $32.56. 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. As the Bank has provided your account with a one-time courtesy adjustment of a late fee on January 17, 2017, we decline your request to provide any further credits. As of the date of this letter the balance on your account is $32.56, with a minimum amount of $27.00, due by March 3, 2017. Please be advised that the account was closed, per your request, on January 17, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L[redacted]
We received the complaint addressed to the Revdex.com, which you submitted on your mother’s behalf, regarding the above-referenced account. Comenity Capital Bank issues THE TOG SHOP credit card accounts, and we are here to help with account-related questions. Your complaint was...
forwarded to my attention, and I appreciate the opportunity to assist you. The complaint states that your mother purchased clothing items, and then returned one of the items for a larger size, and the rest for a refund. She paid for the one item and she has been billed ever since. After a monthly billing statement reflecting a balance of $158.46 was received, you and your sister paid the balance of $158.46; however, your mother received another billing statement reflecting a balance of $40.54. Lastly, when your mother returned the merchandise, your mother was given a credit for $10.00 less than the original price. We sincerely apologize for any inconvenience or frustration this matter may have caused you and your mother. Thank you for the information you provided, regarding your mother’s account. Please be advised that Comenity Capital Bank is only able to provide information to the primary accountholder. Because you are not the primary accountholder, a separate letter is being sent to [redacted] with our findings and resolution. We hope you find this information helpful. If you have any further questions regarding this letter, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (888) 819-1918). I will be happy to assist you. Sincerely, Laura R[redacted] Consumer Relations Specialist CC: Revdex.com
[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 [redacted], and find the resolution is...
satisfactory to me. Thank you for your assistance in resolving this issue and clearing my account balance.
Regards,
[redacted]
obviously they were trying to collect for a different person, it took all this time to come back with a response which is exactly what I said in my complaint. I want to know what they are going to do to prevent future ongoing calls starting back up interrupting my business number.
Regards,
[redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Woman Within credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that...
you placed an order amounting to $205.95 from Woman Within in September 2016. You state that you never received the items from this order. You state that you have sent several letters to the Bank and Woman Within, regarding not receiving the order; however, you have not received any satisfaction. You further state the Bank informed you to obtain lost/stolen forms from Woman Within. You requested them but never received them and when you call, the hold time is long. You state this matter has affected your credit report. You request: the charge of $205.95, the late fees, finance charges and the negative action on your credit report be removed. I am happy to share my findings. Please note that Woman Within and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Woman Within is responsible for handling matters related to sales, merchandise processing, returns and shipping. Bank records indicate, per your dispute with the Bank, Woman Within provided proof of the delivery of the merchandise. Due to these findings, the Bank finds the balance to be valid. For further assistance with this matter, we suggest you contact Woman Within directly at ###-###-####. 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. Due to no payments made for the statement issued December 26, 2016, of $233.16, fees were assessed to the balance. Additional billing statements were issued January 2017, February 2017, March 2017, April 2017, and May 2017. The account is currently five billing cycles past due with a balance of $429.57 and a minimum payment of $90.00 due by June 21, 2017. If an account exceeds six consecutive billing cycles past due, the account will be closed, written off and reported to the credit-reporting agencies as an unpaid debt. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Kaija M[redacted] Compliance Dept. – Consumer Responses
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Jessica London® credit card accounts, and we arehere to assist you with all account-related questions. I appreciate the opportunity to respond toyour concerns.We...
understand from your complaint that you received additional charges after you paid yourbalance in full. You contacted our Customer Care team and we did not respond appropriately.You state you received a form letter that does not address your concerns or acknowledge that weare going to correct the problem. You are receiving collection telephone calls. You state youwere never told what the extra charges were for. You would like the charges removed from theaccount, and the calls to stop. We apologize for any frustration this matter may have caused you.Bank records indicate that a statement was issued on February 19, 2016, indicating a balance of$450.80, with a minimum payment of $20.00 due by March 16, 2016. No payment was receivedby the March due date; therefore, a late fee was assessed to your account.A statement was issued on March 21, 2016. This statement had a balance of $480.81 with aminimum payment of $40.00 due by April 16, 2016.Please be advised that we received your payment of $450.80 on April 8, 2016. Since the paymentof $450.80 was received after the March 16, 2016, due date, it did not satisfy the full balance andadditional billing statements were issued.A billing statement was issued on April 20, 2016. This statement had a balance of $33.96 with aminimum payment of $20.00 due by May 16, 2016.The Bank did not receive payment on the account after April 8, 2016. Please keep in mind whenpayments are not received, are received after the due date, or are made for less than the minimumrequired, the account will be assessed a late fee and finance charge, as explained in the CreditCard Agreement.Additionally, please understand that when an account is delinquent, we will make attempts tocontact the customer regarding the status of the account. Many times a payment is overlookedby the customer, and a reminder call is helpful to bring the account back to a current status. Dueto potential negative ramifications for our customers if an account remains delinquent, we maycall until our attempt to communicate is successful. Bank records indicate that you previously disputed the account balance directly with the Bank,and a response was sent to you on August 9, 2016. We find that the August 9 letter is the onlyform letter sent by the Bank, and it confirmed that we credited your account, and your balance iszero.Additionally, please be assured that we sent notification to the national credit-reporting agencieswith instructions to remove the delinquencies that were reported for June and July 2016. Pleaseallow 45 days for their records to be updated.I hope this information is helpful. If you have any further questions regarding your account, pleasecontact me at (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be happy to assistyou.Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Thank you for contacting the Revdex.com, regarding the above-referenced account. ComenityCapital Bank issues your iComfort by Sertat credit card account and we are here to assist with youraccount-related questions. Your correspondence was forwarded to my attention, and I appreciate...
theopportunity to respond to your concerns.We understand from your correspondence that you have concerns regarding the balance on your accountin regard to merchandise that was returned and credit that should have been applied to the account.Additionally, you have concerns regarding the impact this matter is having on your credit report. Weapologize for any inconvenience or frustration this matter may have caused you.Our records indicate that a purchase of $3,285.34 was placed on the account on May 31, 2015. Anadditional purchase in the amount of $1,895.96 was placed to the account on July 29, 2015. On August20, 2015, a credit in the amount of $2,592.54 was issued to the account by iCornfort by Serta. Nofurther credits have been received to the account.Please note, Comenity Capital Bank and iComfort by Serta are separate companies. The Bank issuesand is responsible for addressing questions related to your iComfort by Serta credit card account.iComfort by Serta is responsible for handling matters related to sales, merchandise processing, returnsand shipping.As your concerns are not with Comenity Capital Bank, we recommend you forward your letter to thecorporate office of iComfort by Serta. They may be reached using the following information;Serta[redacted]Please be advised that based on the terms of purchase and cancellations, we find the account balance tobe valid; therefore, the information reported to the credit-reporting agencies regarding the account will notbe changed or deleted.We hope you find this information to be helpful. Should you have any further questions, please contact medirectly at (800) 675-5685, ext. 7293165 (TDD/TTY (888) 819-1918). I will be happy to assist you.Sincerely,Justina M[redacted]Consumer Relations SpecialistCC:Revdex.com
Comenity bank response is beyond ridiculous , just a response yet so far no evidence was ever presented to me or to Revdex.com . They provided stupid statement accusing me of purchases with no supporting documents , I am asking for following evidence : my signature of purchases , IP address of computer , delivery people names & evidence of excepting merchandise & signature of exeptance , dates of purchases & dates of delivery . Recording to FBI & high profile federal agencies , comenity bank has the most internal fraud complaints , including reviews of actual customers which is 99% negative ! By federal law bank is required to provide factual evidence against me & to this moment they have not done it !!!! They issued pathetic statement to me & the same statement was provided to you Revdex.com , absolutely useless . If they are so honest how is it that they kept fraudelant account open for months & than issued new account ? Who in the world keeps account open after it was reported FRAUD allow purchases & months later closes account & opens the new one ? That's insane , also they reported me to credit bureaus as 'ok ' payment for 6 months ? I never made any purchases on account ending [redacted] & I never made any payments to that account !!! I exsausted all avenues with this scam bank , therefore I will involved higher federal agencies to step in & investigate this case & only over my dead body I will make payment to those clowns for fraudelant purchases & scam , in the same time I am talking to media to assist with the case & of course my law firm . [redacted]
Regards, [redacted]