Dear [redacted] :Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.Your correspondence states that you believe the previous dispute was held up and you have to accept the findings; however, you are referring to several unauthorized charges made to the account in March 2017, and you are not sure if an investigation was opened for the charges.After reviewing your account, the previous fraud case did not include the March charges, as the claim did not include those chargesPlease be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number 20170619-was opened on June 19, The investigation may take up to days to be completed, and you will be notified by mail of the outcomeThe account has been closed to prevent any further charges.If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:You have the right to place a fraud alert on your credit reportsA fraud alert tells creditors to contact you before they open any new accounts or change your existing accountsTo do this, you can contact any one of the consumer reporting companies mentioned belowIf you contact any one of them, the one you contact is required to notify the other two to place an alert on their files as well [redacted] Identity theft is a crimeYou can file a report with your local police or the police department in the community where the crime took placeMany police departments have a special Identity Theft Report, which is a police report with more than the usual amount of detailIf the detailed Identity Theft Report is available, we recommend you obtain a copy in order to protect your rightsYou can go to the Federal Trade Commission website on identity theft: www.ftc.gov/idtheftIt contains additional information and will refer you to resources that could be helpful in dealing with your situation.I hope you found this information to be helpfulShould you have any additional questions or concerns about the investigation, please contact our Account Protection Team at (800) 888-1726.Sincerely,Shawnda Y***Compliance Dept– Consumer Responsescc: Revdex.com
I apologize for not writing to answer your letter, and check from Comenity BankI have no use for Comenity BankIt is from this bank that a man called me, and he said "Wouldn't you like to get Tog Shop off your back," and I said "Yes I would, but I don't owe them a dime." He said I know you don't, but they will never quit writing and calling youLet's make a deal, they say you owe $some dollars in late paymentsIf you will send $(will have to look up, exact amount) I said I will send 1/of this amount and he said he would send the other and the account should be closedWell, I sent my 1/2, but he never did send his 1/I am still hoping to find out who he isHe said he was with Comenity BankSuch a liarof course my opinion of Comenity Bank went way downThank you so much for defending me, and thank you for the checksWe really appreciate Revdex.com, and why didn't we contact you months ago?Sincerely, [redacted] Age
July 23, Linda Medina Wellington Street Melrose Park, IL 60164-RE: Haband Credit Card Account Ending In 5586Revdex.com Complaint ID # Dear MsMedina: Thank you for contacting the Better Business Bureau, regarding the above-referenced account Comenity Capital Bank issues Haband 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 You state in your complaint that you are attempting to close your account, with only late fees currently due You further state that you have been issued several late fees and have not been able to resolve this matter without further assistance You are requesting for any outstanding balance to be credited We sincerely apologize for any inconvenience or frustration this matter may have caused you In the interest of customer service, we have issued credits totaling $to remove the remaining balance from the accountPlease be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Blair account, from your credit bureau report Please allow the credit-reporting agencies days to update their records The account was closed, at your request, on June 18, We hope you find this information helpful If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Laura R [redacted]
Dear Ms [redacted] :We received your complaint submitted to the Revdex.com, regarding the abovereferencedaccountAs the bank that issues Bealls [redacted] credit card accounts, we respond toall account-related questionsYour correspondence was forwarded to my attention, and Iappreciate the opportunity to respond to your concerns.We understand from your complaint that while vacationing in [redacted] , you opened a chargeaccount with Bealls [redacted] You never received your credit card or any statements for yourpurchaseIn May, you received a call from Cornenity Bank where we stated you had failed tomake a paymentYou explained you did not receive a statement, and we verified your mailingaddress and said a statement would be sentWe are now calling your home every day, andthere are three late payments reporting on your credit reportYou asked for the accountnumber so you could make an electronic payment, but we would not provide the accountnumberYou spoke with a [redacted] who advised you your statements were being sentelectronically, which means you were not receiving paper statements, no matter how manytimes your address was verifiedYou would like to pay your original bill, have your late feeserased, and your credit report cleaned up.Thank you for speaking with me on June 24, As discussed, we have issued credits in theamount of $to remove the fees that were assessed to your accountThe credits haveposted to your account, along with your payment of $Your account balance is zero.Please understand that when the Bank's records show an account as delinquent, the Bank willmake attempts to contact you regarding the status of the accountMany times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatusDue to potential negative ramifications for our customers if an account remalnsdelinquentComenity Bank may call you until our attempt to communicate is successful.To maintain the security of your account, the Bank does not provide account numbers bytelephone.The Bank has reviewed the issues in your complaint, as well as the applicable phoneconversationsDuring the telephone call with [redacted] , the associate stated you were receivingelectronic statementsWe apologize, but your account was not enrolled in electronicstatementsThe statements were issued by mailThis error has been addressed with theassociate's manager.Please be advised, when the account was opened, a credit card was mailed to your previousaddress in OhioSince you never received the credit card, nor was it returned to the Bank, wehave reported the card as lost/stolenA new account, ending in 9945, has been established.and you will receive this credit card within the next 7-business days.You are a valued customer and we apologize for any inconvenience or frustration this mattermay have caused youShould you have any further questions or concerns, please contact meat ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, [redacted] Consumer Relations Specialist
December 23, Sharon Tomalavage Shawtown Road Glade Valley, NC 28627- RE: Woman Within® Credit Card Account Ending In Revdex.com Complaint ID # 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 In your complaint to the Revdex.com, you state you are being doubled billed for $29.98, and refuse to pay for something you do not owe The Bank’s records indicate you spoke to Ashlee on December 19, 2016, with regard to the above matter During your conversation with Ashlee, she completed a one-time courtesy adjustment, crediting your Woman Within® credit card for $29.98; which brings your balance to zero Please keep in mind when a balance is zero billing statements are not sent On December 21, 2016, the Bank received notification from the Revdex.com stating your complaint with them was closed If this is correct, please keep this letter for your records; however, if you feel this matter is not resolved, please contact me directly at the phone number listed below 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, [redacted] Compliance Dept– Consumer Responses cc: Revdex.com
Dear Martha JManuel: Comenity Bank (Bank) has received your correspondenceWe are here to answer your questions and assist with your concernsWe understand that you are being contacted multiple times a day, and you don’t have any business with the BankWhen contacting the Bank, the representative advised that there wasn’t a record of your phone number, and they requested to check with your social security numberAs you declined to provide your social security number, you state you were hung up onYou are requesting not to be contactedWe apologize for any inconvenience or frustration this may have caused youWe would like to help resolve any concerns you haveFor us to further assist you, and fulfill your request, we need to know the phone number you are receiving the calls onOnce this information has been received, we will be able to more accurately address the concerns you havePlease send this information to my attention at the address at the top of this letterI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Diamond Long
.We have received the inquiry that was sent to The Mayor’s Office of Consumer Affairs andLicensing on your behalf regarding the above-noted accountThe correspondence wasforwarded to Comenity Capital Bank (Bank)Comenity Capital Bank issues the Blair credit card,and we are here to help answer your questionsI appreciate the opportunity to assist you withyour concerns.The complaint indicates Ms [redacted] believes payment processing for a payment she sent tothe Bank was delayed, and as a result of that delay her account was assessed a late fee.Per the payment coupon portion of your monthly billing statements, payments must reach us bypm CT on your payment due dateConforming payments received by this deadline areapplied to your account as of the date receivedPlease review the information under “Makingpayments” within Section “AGetting Started” of your Credit Card Agreement (CCA) foradditional information regarding payment requirementsI have enclosed a copy of your CCA, aswell as copies of your billing statements, for your reference.As a result of a prior complaint filed through the Revdex.com of Central Ohio, weissued courtesy credits totaling $for late fees and finance charges previously assessed toyour accountThese credits, in addition to recent payments received from you, left a creditbalance of -$on your accountA refund check of $was issued to you on October 1,You should receive this refund check within 7-days from the date the check wasissued.I hope you have found this information to be helpfulIf you have any questions or concerns,please feel free to contact me at ###-###-####
Dear [redacted] and [redacted] : We received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions Your complaint, sent on behalf of your father [redacted] was forwarded to my attention, and I appreciate the opportunity to assist you You state in your complaint that your father is deceased and there are erroneous charges on his account You are requesting an explanation of the charges, the charges reversed, and the account closed We sincerely apologize for any frustration or inconvenience this matter may have caused you Please accept my condolences on the loss of your father We understand that this must be a difficult time for you and your family Thank you for speaking with me on December 11, Thank you for providing me your father’s death certificate and letter of Testamentary Please be assured the above-referenced account has been notated accordingly, and the account has been closed Please understand that Comenity Capital Bank and Haband are two separate entities Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality Haband VIP Plus is an optional service that is offered through Haband This program offers a special introductory price of $for the first days, and if the consumer does not call to cancel the membership within the first days, the membership fee of $is automatically billed to the Haband account each month Cancellation may be made at any time with no further obligation We reached out to Haband, on your father’s behalf, and they confirmed the Haband VIP Plus membership was cancelled on April 11, 2015, and on April 17, 2015, credits totaling $were applied to the account to remove the Haband VIP Plus membership charges On August 23, 2015, due to non-receipt of payment, the account was permanently closed and reported to the national credit-reporting agencies as an unpaid debt with a balance of $ On November 23, 2015, the account was sold to Portfolio Recovery Please be advised, the account has been bought back from Portfolio Recovery, and the Bank has issued credits totaling $to remove the previously assessed late fees and finance charges These credits have posted to the account and brought the account balance to zero Due to this account being reported as a charge off, Comenity Capital Bank has sent a request to the credit bureaus to delete the Haband account from your father’s credit bureau report Please allow up to days for this information to be updated in their records We hope you find this information helpful If you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely,Laura R***
I received the long drawn out letter that this company has provided, however is it possible toorder a purchase when my approved amount was also confirming that USPSdelivered this orderThere was NO such order, of at No time dated for April 6, 2015,mailbox or deliveryThis company is not a very good businessSo much of this is wrongI notedthe letter and pointed out what I could understandOne thing my complaint is about the way thisaccount is being handled, from the letter I noticed a lot of mistakes and guesses at the balanceincluding a separate bill from Palm Beach for a bracelet that has already turned colors thisamount of $is also included on the Woman Within account, my complaint being billeddouble, and it showing up on the account as money owed.I NO longer want to do business with this company under any reasonI will send a $35.00payment on July 4, and expect my future payments to reflect on this account,, I do notagree with this balance but I will start paying them off to get them out of my business and LIFE,I do not care for this company at all, poor quality and over chargingI completely unsatisfied.I expect my payments to show up reflecting the balance against I never saw the firstpayment of applied to my accountThere will be No more orders or transaction from meon this account, it is in FACT closed, as of this date and as far back as April 6, 2015, this isridiculousPalm Beach has sent me a letter wanting $14.10, this amount is suppose to beincluded in my bill at Woman Within, I will not Pay A separate BillThis is another reason Idon't trust this company,BAD BUSNIESS.I will accept this amount of and pay it off, I do not wish to continue this hassle, after allyou can not take that which is not yours,, so I will extend my hands in hopes that God will judgethese people and put them on the path they choose and help them, to stop the con that they haveset upI can pay this amount now, I will increase the payments next mouth to resolve this issue.Sincerely, [redacted]
they are lyingNo stand up company would only be charging someone late fees on top of late fees There are no real feesOnly late fees which the lady said sue would waive and if they would listen to the call pm the correct date they would see thatRegards, [redacted] ***
Dear [redacted] *** Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues Victoria’s Secret Angel credit card accounts We are here to answer your questions and assist with your concerns Your complaint states that you had not received your $reward card that was sent in December You further state that you contacted the Bank regarding your reward card and were advised that it would be expedited; however, you have now been advised that the reward card was not expeditedFurthermore, you contacted the Bank and requested to have the interest on your account waived, and this request was deniedYou are requesting that the $reward card be expedited to you or a gift card be emailed to youIn addition, you are requesting that the Bank issue a credit for 2-months’ worth of interestI understand your concerns and apologize for any inconvenience or frustration this may have caused you Our records indicate that a request was submitted to have a new reward card issued to youPlease be advised that it can take 4-weeks to receive the reward cardPlease also be advised that when a new reward card is requested to be sent because it was lost, stolen, or expired, the Bank submits the request, and the card is then sent via postal mailWe apologize you were advised that the card would be expeditedPlease be aware that a $reward card was issued to you on March 8, Please be advised that when the balance on an account is not paid in full by the end of the billing period, the account is assessed a finance charge as indicated in the Credit Card Agreement Our records further indicate that you did not pay your account balance in full; therefore, finance charges were assessed to your account Comenity Bank has not found any billing errors and we are unwilling to waive any fees, as they are valid I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Jenny W [redacted] cc: Revdex.com
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Columbian Emeralds credit cardWe are here to answer yourquestions and assist with your concerns.We understand from your complaint that your account was assessed a late fee of $Youstate that your personal bank indicates that a payment was sent on July 12, 2016, was receivedon July 19, 2016, but was not posted to your Columbian Emeralds account until July 21, 2016.You further state that you contacted the Bank, via email and social media, in August 2016regarding the late fee, and believed it had been resolved.Upon receiving your March billing statement, indicating an expired promotional financecharge, you contacted the Bank via telephone and requested to speak to a managerTherepresentative you spoke to transferred you to a collections representative, who then transferredyou to another representative, who did not provide a resolution.You are requesting that the Bank reverse the late fee from July 2016, as well as any financecharges.Bank records indicate a Twitter message was received from you on August 16, 2016; however,with the information provided in the tweet, we were unable to locate an account, and asked youto call for further assistance.Please be advised that payments are processed to your account on the day they are receivedInorder to provide the best customer service, we offer multiple ways to make a payment including:Online: Online payments submitted through the Bank’s online Account Center before 8:p.m.Eastern Time (ET) will be credited to your account on the same day, unless you select a date inthe futureOnline payments submitted after 8:p.mET will be credited the following day (or ona future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing up to days for the payment to arriveIf you’re a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on theback of your billing statement before 8:p.mET to speak to a customer care representativeAfee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterhtt...⇄ records indicate your payment due date is the 20th of every monthThe Colombian Emeraldsaccount is a regular revolving account, which means that if there is a balance, a minimum paymentis required each billing periodPlease keep in mind that when payments are not received, arereceived after the due date, or are made for less than the minimum required, the account will beassessed a late fee, as explained in the Credit Card Agreement.Furthermore, the February 4, 2016, purchase for $was placed on a month deferredinterest, payment required promotional plan with an expiration date of February 4, Underthe terms of this promotional plan, interest on the purchase is deferred until the plan expiresThismeans that interest on this purchase was accruing monthly from the original purchase date butwas not being applied to your accountIn order to keep the accrued finance charges from beingapplied to your account, the entire promotional purchase amount needed to be paid in full by thepromotional plan’s expiration dateThe details of your promotional plan as well as the expirationdate were present on each billing statement.A billing statement was issued to you on January 2017, with a balance of $and aminimum payment of $due on February 20, In the “details of your plans” section, itstates that the promotional balance of $must be paid in full by February 4, 2017, to avoidpaying accrued interestYour payment of $was received on February 18, As thiswas received after the promotional plan end date, and was not enough to satisfy the remainingpromotional balance, the accrued finance charges of $were added to the account.As a courtesy, credits totaling $were issued for the late fee, and related finance charge,that was assessed on March 20, Your payment of $was received on April 19, 2017,which brought your account balance to zero, and the account was closed at your request.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M [redacted]
June 6, 2017Joseph KMcCalebField Crest DriveFranklin, OH 45005-4568RE: Victoria’s Secret Angel Credit Card Account Ending In 3728Victoria’s Secret Angel Credit Card Account Ending In 1997Buckle Credit Card Account Ending In 6812Revdex.com Complaint ID #11732721Dear Jospeh McCaleb:Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel and the Buckle credit cardWe are here to answer your questions and assist with your concerns.Your correspondence states that you have thousands of dollars in charges on your Victoria’s Secret Angel account, and you have no resolution to an investigationYou further state, you have a Buckle account which has a $unauthorized chargeIt is your request to dispute the charges.We reviewed your concerns and we want to share our findings with regard to the Victoria’s Secret Angel accountOur records indicate you already filed a fraud claim on the charges to the account ending in 3728, and fraud case number 20170216-was opened on February 2, Joy Tice was the investigator assigned to the case and completed the investigationOn April 6, 2017, you were found responsible for the chargesThe balance of $2,was transferred to a new credit card, account number ending in A response letter, dated April 7, 2017, was mailed to youEnclosed is a copy of the letter for your recordsThe Bank’s decision remains unchanged and the charges remain valid.With regard to the Buckle account, please be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number [redacted] was opened on June 2, Ambrosha W [redacted] is the investigator assigned to your caseThe investigation may take up to days to be completed, and you will be notified by mail of the outcomeThe Buckle account has been closed to prevent any further charges.If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:You have the right to place a fraud alert on your credit reportsA fraud alert tells creditors to contact you before they open any new accounts or change your existing accountsTo do this, you can contact any one of the consumer reporting companies mentioned below.If you contact any one of them, the one you contact is required to notify the other two toplace an alert on their files as well[redacted] *** [redacted] Identity theft is a crimeYou can file a report with your local police or the police departmentin the community where the crime took placeMany police departments have a specialIdentity Theft Report, which is a police report with more than the usual amount of detailIfthe detailed Identity Theft Report is available, we recommend you obtain a copy in orderto protect your rightsYou can go to the Federal Trade Commission website on identity theft:www.ftc.gov/idtheftIt contains additional information and will refer you to resources thatcould be helpful in dealing with your situation.I hope you found this information to be helpfulShould you have any additional questions orconcerns about the investigation, please contact our Account Protection Team at (800) 888-1726.Sincerely,Shawnda Y***Compliance Dept– Consumer ResponsesEnclosurecc: Revdex.com
Dear Ms [redacted] We received your complaint, sent to the Revdex.com, regarding the above-referencedaccountComenity Bank issues Victoria's SecretrPlNK credit cards, and we arehere to help answer account-related questionsYour complaint was forwarded to my attention,and I appreciate the opportunity to assist you.Your complaint states that your Victoria's Secret/PINK account has been assessed late feesalthough your financial institution sends the payment, on your behalf, on the due date or before,and sends five to ten dollars more than the minimum paymentYou would like Comenity Bankto change your due date to the 10" of the month and remove the late fees from the accountIhave enclosed a copy of the Credit Card Agreement (CCA), as well as copies of the billingstatements for your records.Bank records indicate that the due date for payment on your Victoria's Secret/PINK account ison the 5th of every monthSome payments are being received either one day after the paymentdue date, or are n d the full amount of the minimum payment dueTherefore, the account isbeing assessed late fee(s), and reflects a past due amount.At this time, your account is not eligible for a payment due date change because the account ispast dueTo avoid late fees from being assessed, the payment must be made for at least thefull minimum payment due, listed on your monthly billing statement, and received on or beforethe due dateAdditionally, your account was issued a $late fee credit on April 28, 2015.No additional late fees will be adjusted.Ta provide the best customer service possible, please note the following ways in whichpayments may be made.In-store: If the retailer listed on your card has a store near you, you can drop off your paymentin the store so it can be applied to your account on the same dayStores will accept cash or apersonal check as payment for your account.Online: Online payments submitted before 6:OO p.mEastern Time (ET) can be credited to youraccount the same dayOnline payments submitted after 6:p.mET will be credited thefollowing day (or on your future scheduled payment date)Please note that it may take up to twobusiness days to complete the financial transfer from your personal bank account to yourVictoria's SecretEPlNK account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing a week for the payment to arriveIf you are a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Rush-Phone Payments: If you need to rush a payment, you may call us at the phone numberon the back of your billing statement to speak to a customer care representativeA fee appliesto same-day payments made with the representative.As of today, the account is one billing period past due, and the next minimum payment of$is due on July 5, If you would like me to review your account for a payment duedate change, please contact me at the number below once the account has been broughtcurrent.We apologize for any confusion or inconvenience this matter has caused you, and we hope thisinformation is helpfulShould you have further questions or concerns, please contact me at###-###-####, ext [redacted] *TDD/TTY ###-###-####)I will be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Dear [redacted] :Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Marathon credit cardWe are here to answer your questionsand assist with your concerns.We understand that you have received a billing statement for an account that is not yoursYoustate you do have an account with Comenity Bank, however the Marathon credit card is not theaccountI understand that you are requesting the account be removed from you credit bureaureport.Please be assured your concerns have been forwarded to our Account Protection (Fraud) Team,and fraud case number [redacted] The investigation may take up to days to be completed,and you will be notified by mail of the outcomeIf you have any questions regarding the fraudinvestigation, you may reach the Account Protection Team at ###-###-####.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W***
Dear Ms [redacted] We received your additional complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Woman Within® credit card accounts, and we are here to assist youwith all account-related questions or concernsI appreciate the opportunity to respond to your concerns.We understand from your additional complaint that you were told the late fee would not affect your credit score,as you did not receive your statement on timeYou want the late fee taken off and your credit score updated.Bank records indicate the only late fee you have been charged has been credited, and there was no negativeinformation reported to the credit bureaus regarding this matter.I hope that this information is helpfulShould you have any further questions regarding your account, pleasecontact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Amanda R***
Thank you so very much for your quick responseI really appreciate the detailed response and explanation of charges but I would like for you to take into consideration that in years I've had this account I had never been late before until the minimum went up and you started charging me unnecessary chargesI've been assessed over $in late charges when in fact I was not late just didn't pay the minimum you adjustedFurthermore I appreciate your explanation about comenity bank and Victoria secret being two separate identities but please put yourself in my shoes, All my bills say Victoria secret and when Comentity called me I had no idea who they were and was obviously not going to pay an account I'm not aware ofMy bills are automatically paid thru my bank and I can reassure you that when I received a call of a late payment I naturally thought it was a callNot once did any representative mention this was my Victoria secret card and never did they mention I wasn't paying enough of a minimumThey just said late charges which to me are falsePlease take another look at my relationship with Victoria secret and how many years I've been a good customer and consider reducing my charges and reopening my account.Thank you again for your time and consideration with this matter.With a grateful heart,
I submitted documents supporting the fact that my bank sent the payments in question and contacted the [redacted] bank that used to handle herbergers payments and received my payments I was not aware that herbergers changed to comenitybank because [redacted] was forwarding payment to comenitybank but stopped How am I to know this was happening? Also it's unfair they won't wait the 4-weeks it might take to get [redacted] to send the payments to them Regards, [redacted] ***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the LOVELOFT Mastercard credit cardWe are here to answer your questions andassist with your concerns.We understand your concerns regarding the late fees that were assessed to your accountYou state thatthe website was down and your payment did not go throughYou did not know this until you received threelate fees, which affected your credit score and you were calledYou have tried to resolve but state the Bankis relentless and unprofessionalYou also state that we cannot set up automatic payments and it is awful.You requests a full refund for lack of communication, stringing you along, and you request your credit reportrectified.We apologize for the frustration and inconvenience you may have experienced as a result of this matter.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer serviceWe never intend to treat ourcustomers in a less-than-satisfactory mannerWe are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.Bank records indicate that you charged $to the account on October 21, 2016, for a MSweaterOnNovember 2, 2016, a statement was mailed to you reflecting a balance of $28.56, and a $minimumpayment due on November 28, Payment for $was received on November 29, 2016, and theaccount was assessed a late fee and a finance charge.On December 2, 2016, a statement was mailed to you reflecting a balance of $27.00, and a $minimumpayment due on December 28, No payment was received, and the account was assessed a late feeand a finance charge.On January 2, 2017, a statement was mailed to you reflecting a balance of $55.00, and a $minimumpayment due on January 28, No payment was received, and the account was assessed a late feeand a finance charge.On February 2, 2017, a statement was mailed to you reflecting a balance of $89.34, and a $minimumpayment due on February 28, Payment was not received; however, the account was issued twocourtesy late fee credits totaling $The account was only charged a finance charge for the outstandingbalance.On March 2, 2017, a statement was mailed to you reflecting a balance of $67.34, and a $minimumpayment due on March 28, Payment of $was received on March 4, 2017, and payment of $was received on March 27, The account was only charged a finance charge for the outstandingbalance.On April 2, 2017, a statement was mailed to you reflecting a balance of $33.00, and a $minimumpayment due on April 28, The minimum payment due was removed, as a courtesy, since yourequested to file a dispute with the Bank, and you were sent a form on May 1, 2017, to complete and return.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.Enclosed are copies of the billing statements for your records.To provide the best customer service possible, we offer multiple ways to make a paymentChoose apayment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your paymentin the store so it can be applied to your account on the same dayCheck the back of your billing statementto see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:p.mEasternTime (ET) will be credited to your account on the same day, unless you select a date in the futureOnlinepayments submitted after 8:p.mET will be credited the following day (or on a future scheduled paymentdate).Mail: Send your payment and payment coupon in the envelope that came with your billing statementWerecommend allowing up to days for the payment to arriveIf you’re a paperless customer, print out apayment stub on the online account management site so your payment is processed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on the back ofyour billing statement before 8:p.mET to speak to a customer care representativeA fee may apply tosame-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.Th...⇄ Bank is unwilling to credit any additional late fees to the account, as no Bank error was found.In addition, the Bank is required to report factual account activity to the credit-reporting agenciesAs such,the negative payment information that reported for March and April is valid, and we are unwillingto change or delete the information.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
Dear [redacted] :Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.Your correspondence states that you believe the previous dispute was held up and you have to accept the findings; however, you are referring to several unauthorized charges made to the account in March 2017, and you are not sure if an investigation was opened for the charges.After reviewing your account, the previous fraud case did not include the March charges, as the claim did not include those chargesPlease be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number 20170619-was opened on June 19, The investigation may take up to days to be completed, and you will be notified by mail of the outcomeThe account has been closed to prevent any further charges.If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:You have the right to place a fraud alert on your credit reportsA fraud alert tells creditors to contact you before they open any new accounts or change your existing accountsTo do this, you can contact any one of the consumer reporting companies mentioned belowIf you contact any one of them, the one you contact is required to notify the other two to place an alert on their files as well [redacted] Identity theft is a crimeYou can file a report with your local police or the police department in the community where the crime took placeMany police departments have a special Identity Theft Report, which is a police report with more than the usual amount of detailIf the detailed Identity Theft Report is available, we recommend you obtain a copy in order to protect your rightsYou can go to the Federal Trade Commission website on identity theft: www.ftc.gov/idtheftIt contains additional information and will refer you to resources that could be helpful in dealing with your situation.I hope you found this information to be helpfulShould you have any additional questions or concerns about the investigation, please contact our Account Protection Team at (800) 888-1726.Sincerely,Shawnda Y***Compliance Dept– Consumer Responsescc: Revdex.com
I apologize for not writing to answer your letter, and check from Comenity BankI have no use for Comenity BankIt is from this bank that a man called me, and he said "Wouldn't you like to get Tog Shop off your back," and I said "Yes I would, but I don't owe them a dime." He said I know you don't, but they will never quit writing and calling youLet's make a deal, they say you owe $some dollars in late paymentsIf you will send $(will have to look up, exact amount) I said I will send 1/of this amount and he said he would send the other and the account should be closedWell, I sent my 1/2, but he never did send his 1/I am still hoping to find out who he isHe said he was with Comenity BankSuch a liarof course my opinion of Comenity Bank went way downThank you so much for defending me, and thank you for the checksWe really appreciate Revdex.com, and why didn't we contact you months ago?Sincerely, [redacted] Age
July 23, Linda Medina Wellington Street Melrose Park, IL 60164-RE: Haband Credit Card Account Ending In 5586Revdex.com Complaint ID # Dear MsMedina: Thank you for contacting the Better Business Bureau, regarding the above-referenced account Comenity Capital Bank issues Haband 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 You state in your complaint that you are attempting to close your account, with only late fees currently due You further state that you have been issued several late fees and have not been able to resolve this matter without further assistance You are requesting for any outstanding balance to be credited We sincerely apologize for any inconvenience or frustration this matter may have caused you In the interest of customer service, we have issued credits totaling $to remove the remaining balance from the accountPlease be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Blair account, from your credit bureau report Please allow the credit-reporting agencies days to update their records The account was closed, at your request, on June 18, We hope you find this information helpful If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Laura R [redacted]
Dear Ms [redacted] :We received your complaint submitted to the Revdex.com, regarding the abovereferencedaccountAs the bank that issues Bealls [redacted] credit card accounts, we respond toall account-related questionsYour correspondence was forwarded to my attention, and Iappreciate the opportunity to respond to your concerns.We understand from your complaint that while vacationing in [redacted] , you opened a chargeaccount with Bealls [redacted] You never received your credit card or any statements for yourpurchaseIn May, you received a call from Cornenity Bank where we stated you had failed tomake a paymentYou explained you did not receive a statement, and we verified your mailingaddress and said a statement would be sentWe are now calling your home every day, andthere are three late payments reporting on your credit reportYou asked for the accountnumber so you could make an electronic payment, but we would not provide the accountnumberYou spoke with a [redacted] who advised you your statements were being sentelectronically, which means you were not receiving paper statements, no matter how manytimes your address was verifiedYou would like to pay your original bill, have your late feeserased, and your credit report cleaned up.Thank you for speaking with me on June 24, As discussed, we have issued credits in theamount of $to remove the fees that were assessed to your accountThe credits haveposted to your account, along with your payment of $Your account balance is zero.Please understand that when the Bank's records show an account as delinquent, the Bank willmake attempts to contact you regarding the status of the accountMany times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatusDue to potential negative ramifications for our customers if an account remalnsdelinquentComenity Bank may call you until our attempt to communicate is successful.To maintain the security of your account, the Bank does not provide account numbers bytelephone.The Bank has reviewed the issues in your complaint, as well as the applicable phoneconversationsDuring the telephone call with [redacted] , the associate stated you were receivingelectronic statementsWe apologize, but your account was not enrolled in electronicstatementsThe statements were issued by mailThis error has been addressed with theassociate's manager.Please be advised, when the account was opened, a credit card was mailed to your previousaddress in OhioSince you never received the credit card, nor was it returned to the Bank, wehave reported the card as lost/stolenA new account, ending in 9945, has been established.and you will receive this credit card within the next 7-business days.You are a valued customer and we apologize for any inconvenience or frustration this mattermay have caused youShould you have any further questions or concerns, please contact meat ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, [redacted] Consumer Relations Specialist
December 23, Sharon Tomalavage Shawtown Road Glade Valley, NC 28627- RE: Woman Within® Credit Card Account Ending In Revdex.com Complaint ID # 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 In your complaint to the Revdex.com, you state you are being doubled billed for $29.98, and refuse to pay for something you do not owe The Bank’s records indicate you spoke to Ashlee on December 19, 2016, with regard to the above matter During your conversation with Ashlee, she completed a one-time courtesy adjustment, crediting your Woman Within® credit card for $29.98; which brings your balance to zero Please keep in mind when a balance is zero billing statements are not sent On December 21, 2016, the Bank received notification from the Revdex.com stating your complaint with them was closed If this is correct, please keep this letter for your records; however, if you feel this matter is not resolved, please contact me directly at the phone number listed below 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, [redacted] Compliance Dept– Consumer Responses cc: Revdex.com
Dear Martha JManuel: Comenity Bank (Bank) has received your correspondenceWe are here to answer your questions and assist with your concernsWe understand that you are being contacted multiple times a day, and you don’t have any business with the BankWhen contacting the Bank, the representative advised that there wasn’t a record of your phone number, and they requested to check with your social security numberAs you declined to provide your social security number, you state you were hung up onYou are requesting not to be contactedWe apologize for any inconvenience or frustration this may have caused youWe would like to help resolve any concerns you haveFor us to further assist you, and fulfill your request, we need to know the phone number you are receiving the calls onOnce this information has been received, we will be able to more accurately address the concerns you havePlease send this information to my attention at the address at the top of this letterI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Diamond Long
.We have received the inquiry that was sent to The Mayor’s Office of Consumer Affairs andLicensing on your behalf regarding the above-noted accountThe correspondence wasforwarded to Comenity Capital Bank (Bank)Comenity Capital Bank issues the Blair credit card,and we are here to help answer your questionsI appreciate the opportunity to assist you withyour concerns.The complaint indicates Ms [redacted] believes payment processing for a payment she sent tothe Bank was delayed, and as a result of that delay her account was assessed a late fee.Per the payment coupon portion of your monthly billing statements, payments must reach us bypm CT on your payment due dateConforming payments received by this deadline areapplied to your account as of the date receivedPlease review the information under “Makingpayments” within Section “AGetting Started” of your Credit Card Agreement (CCA) foradditional information regarding payment requirementsI have enclosed a copy of your CCA, aswell as copies of your billing statements, for your reference.As a result of a prior complaint filed through the Revdex.com of Central Ohio, weissued courtesy credits totaling $for late fees and finance charges previously assessed toyour accountThese credits, in addition to recent payments received from you, left a creditbalance of -$on your accountA refund check of $was issued to you on October 1,You should receive this refund check within 7-days from the date the check wasissued.I hope you have found this information to be helpfulIf you have any questions or concerns,please feel free to contact me at ###-###-####
Dear [redacted] and [redacted] : We received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions Your complaint, sent on behalf of your father [redacted] was forwarded to my attention, and I appreciate the opportunity to assist you You state in your complaint that your father is deceased and there are erroneous charges on his account You are requesting an explanation of the charges, the charges reversed, and the account closed We sincerely apologize for any frustration or inconvenience this matter may have caused you Please accept my condolences on the loss of your father We understand that this must be a difficult time for you and your family Thank you for speaking with me on December 11, Thank you for providing me your father’s death certificate and letter of Testamentary Please be assured the above-referenced account has been notated accordingly, and the account has been closed Please understand that Comenity Capital Bank and Haband are two separate entities Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality Haband VIP Plus is an optional service that is offered through Haband This program offers a special introductory price of $for the first days, and if the consumer does not call to cancel the membership within the first days, the membership fee of $is automatically billed to the Haband account each month Cancellation may be made at any time with no further obligation We reached out to Haband, on your father’s behalf, and they confirmed the Haband VIP Plus membership was cancelled on April 11, 2015, and on April 17, 2015, credits totaling $were applied to the account to remove the Haband VIP Plus membership charges On August 23, 2015, due to non-receipt of payment, the account was permanently closed and reported to the national credit-reporting agencies as an unpaid debt with a balance of $ On November 23, 2015, the account was sold to Portfolio Recovery Please be advised, the account has been bought back from Portfolio Recovery, and the Bank has issued credits totaling $to remove the previously assessed late fees and finance charges These credits have posted to the account and brought the account balance to zero Due to this account being reported as a charge off, Comenity Capital Bank has sent a request to the credit bureaus to delete the Haband account from your father’s credit bureau report Please allow up to days for this information to be updated in their records We hope you find this information helpful If you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely,Laura R***
I received the long drawn out letter that this company has provided, however is it possible toorder a purchase when my approved amount was also confirming that USPSdelivered this orderThere was NO such order, of at No time dated for April 6, 2015,mailbox or deliveryThis company is not a very good businessSo much of this is wrongI notedthe letter and pointed out what I could understandOne thing my complaint is about the way thisaccount is being handled, from the letter I noticed a lot of mistakes and guesses at the balanceincluding a separate bill from Palm Beach for a bracelet that has already turned colors thisamount of $is also included on the Woman Within account, my complaint being billeddouble, and it showing up on the account as money owed.I NO longer want to do business with this company under any reasonI will send a $35.00payment on July 4, and expect my future payments to reflect on this account,, I do notagree with this balance but I will start paying them off to get them out of my business and LIFE,I do not care for this company at all, poor quality and over chargingI completely unsatisfied.I expect my payments to show up reflecting the balance against I never saw the firstpayment of applied to my accountThere will be No more orders or transaction from meon this account, it is in FACT closed, as of this date and as far back as April 6, 2015, this isridiculousPalm Beach has sent me a letter wanting $14.10, this amount is suppose to beincluded in my bill at Woman Within, I will not Pay A separate BillThis is another reason Idon't trust this company,BAD BUSNIESS.I will accept this amount of and pay it off, I do not wish to continue this hassle, after allyou can not take that which is not yours,, so I will extend my hands in hopes that God will judgethese people and put them on the path they choose and help them, to stop the con that they haveset upI can pay this amount now, I will increase the payments next mouth to resolve this issue.Sincerely, [redacted]
they are lyingNo stand up company would only be charging someone late fees on top of late fees There are no real feesOnly late fees which the lady said sue would waive and if they would listen to the call pm the correct date they would see thatRegards, [redacted] ***
Dear [redacted] *** Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues Victoria’s Secret Angel credit card accounts We are here to answer your questions and assist with your concerns Your complaint states that you had not received your $reward card that was sent in December You further state that you contacted the Bank regarding your reward card and were advised that it would be expedited; however, you have now been advised that the reward card was not expeditedFurthermore, you contacted the Bank and requested to have the interest on your account waived, and this request was deniedYou are requesting that the $reward card be expedited to you or a gift card be emailed to youIn addition, you are requesting that the Bank issue a credit for 2-months’ worth of interestI understand your concerns and apologize for any inconvenience or frustration this may have caused you Our records indicate that a request was submitted to have a new reward card issued to youPlease be advised that it can take 4-weeks to receive the reward cardPlease also be advised that when a new reward card is requested to be sent because it was lost, stolen, or expired, the Bank submits the request, and the card is then sent via postal mailWe apologize you were advised that the card would be expeditedPlease be aware that a $reward card was issued to you on March 8, Please be advised that when the balance on an account is not paid in full by the end of the billing period, the account is assessed a finance charge as indicated in the Credit Card Agreement Our records further indicate that you did not pay your account balance in full; therefore, finance charges were assessed to your account Comenity Bank has not found any billing errors and we are unwilling to waive any fees, as they are valid I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Jenny W [redacted] cc: Revdex.com
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Columbian Emeralds credit cardWe are here to answer yourquestions and assist with your concerns.We understand from your complaint that your account was assessed a late fee of $Youstate that your personal bank indicates that a payment was sent on July 12, 2016, was receivedon July 19, 2016, but was not posted to your Columbian Emeralds account until July 21, 2016.You further state that you contacted the Bank, via email and social media, in August 2016regarding the late fee, and believed it had been resolved.Upon receiving your March billing statement, indicating an expired promotional financecharge, you contacted the Bank via telephone and requested to speak to a managerTherepresentative you spoke to transferred you to a collections representative, who then transferredyou to another representative, who did not provide a resolution.You are requesting that the Bank reverse the late fee from July 2016, as well as any financecharges.Bank records indicate a Twitter message was received from you on August 16, 2016; however,with the information provided in the tweet, we were unable to locate an account, and asked youto call for further assistance.Please be advised that payments are processed to your account on the day they are receivedInorder to provide the best customer service, we offer multiple ways to make a payment including:Online: Online payments submitted through the Bank’s online Account Center before 8:p.m.Eastern Time (ET) will be credited to your account on the same day, unless you select a date inthe futureOnline payments submitted after 8:p.mET will be credited the following day (or ona future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing up to days for the payment to arriveIf you’re a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on theback of your billing statement before 8:p.mET to speak to a customer care representativeAfee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterhtt...⇄ records indicate your payment due date is the 20th of every monthThe Colombian Emeraldsaccount is a regular revolving account, which means that if there is a balance, a minimum paymentis required each billing periodPlease keep in mind that when payments are not received, arereceived after the due date, or are made for less than the minimum required, the account will beassessed a late fee, as explained in the Credit Card Agreement.Furthermore, the February 4, 2016, purchase for $was placed on a month deferredinterest, payment required promotional plan with an expiration date of February 4, Underthe terms of this promotional plan, interest on the purchase is deferred until the plan expiresThismeans that interest on this purchase was accruing monthly from the original purchase date butwas not being applied to your accountIn order to keep the accrued finance charges from beingapplied to your account, the entire promotional purchase amount needed to be paid in full by thepromotional plan’s expiration dateThe details of your promotional plan as well as the expirationdate were present on each billing statement.A billing statement was issued to you on January 2017, with a balance of $and aminimum payment of $due on February 20, In the “details of your plans” section, itstates that the promotional balance of $must be paid in full by February 4, 2017, to avoidpaying accrued interestYour payment of $was received on February 18, As thiswas received after the promotional plan end date, and was not enough to satisfy the remainingpromotional balance, the accrued finance charges of $were added to the account.As a courtesy, credits totaling $were issued for the late fee, and related finance charge,that was assessed on March 20, Your payment of $was received on April 19, 2017,which brought your account balance to zero, and the account was closed at your request.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M [redacted]
June 6, 2017Joseph KMcCalebField Crest DriveFranklin, OH 45005-4568RE: Victoria’s Secret Angel Credit Card Account Ending In 3728Victoria’s Secret Angel Credit Card Account Ending In 1997Buckle Credit Card Account Ending In 6812Revdex.com Complaint ID #11732721Dear Jospeh McCaleb:Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel and the Buckle credit cardWe are here to answer your questions and assist with your concerns.Your correspondence states that you have thousands of dollars in charges on your Victoria’s Secret Angel account, and you have no resolution to an investigationYou further state, you have a Buckle account which has a $unauthorized chargeIt is your request to dispute the charges.We reviewed your concerns and we want to share our findings with regard to the Victoria’s Secret Angel accountOur records indicate you already filed a fraud claim on the charges to the account ending in 3728, and fraud case number 20170216-was opened on February 2, Joy Tice was the investigator assigned to the case and completed the investigationOn April 6, 2017, you were found responsible for the chargesThe balance of $2,was transferred to a new credit card, account number ending in A response letter, dated April 7, 2017, was mailed to youEnclosed is a copy of the letter for your recordsThe Bank’s decision remains unchanged and the charges remain valid.With regard to the Buckle account, please be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number [redacted] was opened on June 2, Ambrosha W [redacted] is the investigator assigned to your caseThe investigation may take up to days to be completed, and you will be notified by mail of the outcomeThe Buckle account has been closed to prevent any further charges.If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:You have the right to place a fraud alert on your credit reportsA fraud alert tells creditors to contact you before they open any new accounts or change your existing accountsTo do this, you can contact any one of the consumer reporting companies mentioned below.If you contact any one of them, the one you contact is required to notify the other two toplace an alert on their files as well[redacted] *** [redacted] Identity theft is a crimeYou can file a report with your local police or the police departmentin the community where the crime took placeMany police departments have a specialIdentity Theft Report, which is a police report with more than the usual amount of detailIfthe detailed Identity Theft Report is available, we recommend you obtain a copy in orderto protect your rightsYou can go to the Federal Trade Commission website on identity theft:www.ftc.gov/idtheftIt contains additional information and will refer you to resources thatcould be helpful in dealing with your situation.I hope you found this information to be helpfulShould you have any additional questions orconcerns about the investigation, please contact our Account Protection Team at (800) 888-1726.Sincerely,Shawnda Y***Compliance Dept– Consumer ResponsesEnclosurecc: Revdex.com
Dear Ms [redacted] We received your complaint, sent to the Revdex.com, regarding the above-referencedaccountComenity Bank issues Victoria's SecretrPlNK credit cards, and we arehere to help answer account-related questionsYour complaint was forwarded to my attention,and I appreciate the opportunity to assist you.Your complaint states that your Victoria's Secret/PINK account has been assessed late feesalthough your financial institution sends the payment, on your behalf, on the due date or before,and sends five to ten dollars more than the minimum paymentYou would like Comenity Bankto change your due date to the 10" of the month and remove the late fees from the accountIhave enclosed a copy of the Credit Card Agreement (CCA), as well as copies of the billingstatements for your records.Bank records indicate that the due date for payment on your Victoria's Secret/PINK account ison the 5th of every monthSome payments are being received either one day after the paymentdue date, or are n d the full amount of the minimum payment dueTherefore, the account isbeing assessed late fee(s), and reflects a past due amount.At this time, your account is not eligible for a payment due date change because the account ispast dueTo avoid late fees from being assessed, the payment must be made for at least thefull minimum payment due, listed on your monthly billing statement, and received on or beforethe due dateAdditionally, your account was issued a $late fee credit on April 28, 2015.No additional late fees will be adjusted.Ta provide the best customer service possible, please note the following ways in whichpayments may be made.In-store: If the retailer listed on your card has a store near you, you can drop off your paymentin the store so it can be applied to your account on the same dayStores will accept cash or apersonal check as payment for your account.Online: Online payments submitted before 6:OO p.mEastern Time (ET) can be credited to youraccount the same dayOnline payments submitted after 6:p.mET will be credited thefollowing day (or on your future scheduled payment date)Please note that it may take up to twobusiness days to complete the financial transfer from your personal bank account to yourVictoria's SecretEPlNK account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing a week for the payment to arriveIf you are a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Rush-Phone Payments: If you need to rush a payment, you may call us at the phone numberon the back of your billing statement to speak to a customer care representativeA fee appliesto same-day payments made with the representative.As of today, the account is one billing period past due, and the next minimum payment of$is due on July 5, If you would like me to review your account for a payment duedate change, please contact me at the number below once the account has been broughtcurrent.We apologize for any confusion or inconvenience this matter has caused you, and we hope thisinformation is helpfulShould you have further questions or concerns, please contact me at###-###-####, ext [redacted] *TDD/TTY ###-###-####)I will be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Good Morning,Due to continued research I will need an extension on complaint ID [redacted] Thank you,
Dear [redacted] :Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Marathon credit cardWe are here to answer your questionsand assist with your concerns.We understand that you have received a billing statement for an account that is not yoursYoustate you do have an account with Comenity Bank, however the Marathon credit card is not theaccountI understand that you are requesting the account be removed from you credit bureaureport.Please be assured your concerns have been forwarded to our Account Protection (Fraud) Team,and fraud case number [redacted] The investigation may take up to days to be completed,and you will be notified by mail of the outcomeIf you have any questions regarding the fraudinvestigation, you may reach the Account Protection Team at ###-###-####.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W***
Dear Ms [redacted] We received your additional complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Woman Within® credit card accounts, and we are here to assist youwith all account-related questions or concernsI appreciate the opportunity to respond to your concerns.We understand from your additional complaint that you were told the late fee would not affect your credit score,as you did not receive your statement on timeYou want the late fee taken off and your credit score updated.Bank records indicate the only late fee you have been charged has been credited, and there was no negativeinformation reported to the credit bureaus regarding this matter.I hope that this information is helpfulShould you have any further questions regarding your account, pleasecontact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Amanda R***
Thank you so very much for your quick responseI really appreciate the detailed response and explanation of charges but I would like for you to take into consideration that in years I've had this account I had never been late before until the minimum went up and you started charging me unnecessary chargesI've been assessed over $in late charges when in fact I was not late just didn't pay the minimum you adjustedFurthermore I appreciate your explanation about comenity bank and Victoria secret being two separate identities but please put yourself in my shoes, All my bills say Victoria secret and when Comentity called me I had no idea who they were and was obviously not going to pay an account I'm not aware ofMy bills are automatically paid thru my bank and I can reassure you that when I received a call of a late payment I naturally thought it was a callNot once did any representative mention this was my Victoria secret card and never did they mention I wasn't paying enough of a minimumThey just said late charges which to me are falsePlease take another look at my relationship with Victoria secret and how many years I've been a good customer and consider reducing my charges and reopening my account.Thank you again for your time and consideration with this matter.With a grateful heart,
I submitted documents supporting the fact that my bank sent the payments in question and contacted the [redacted] bank that used to handle herbergers payments and received my payments I was not aware that herbergers changed to comenitybank because [redacted] was forwarding payment to comenitybank but stopped How am I to know this was happening? Also it's unfair they won't wait the 4-weeks it might take to get [redacted] to send the payments to them Regards, [redacted] ***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the LOVELOFT Mastercard credit cardWe are here to answer your questions andassist with your concerns.We understand your concerns regarding the late fees that were assessed to your accountYou state thatthe website was down and your payment did not go throughYou did not know this until you received threelate fees, which affected your credit score and you were calledYou have tried to resolve but state the Bankis relentless and unprofessionalYou also state that we cannot set up automatic payments and it is awful.You requests a full refund for lack of communication, stringing you along, and you request your credit reportrectified.We apologize for the frustration and inconvenience you may have experienced as a result of this matter.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer serviceWe never intend to treat ourcustomers in a less-than-satisfactory mannerWe are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.Bank records indicate that you charged $to the account on October 21, 2016, for a MSweaterOnNovember 2, 2016, a statement was mailed to you reflecting a balance of $28.56, and a $minimumpayment due on November 28, Payment for $was received on November 29, 2016, and theaccount was assessed a late fee and a finance charge.On December 2, 2016, a statement was mailed to you reflecting a balance of $27.00, and a $minimumpayment due on December 28, No payment was received, and the account was assessed a late feeand a finance charge.On January 2, 2017, a statement was mailed to you reflecting a balance of $55.00, and a $minimumpayment due on January 28, No payment was received, and the account was assessed a late feeand a finance charge.On February 2, 2017, a statement was mailed to you reflecting a balance of $89.34, and a $minimumpayment due on February 28, Payment was not received; however, the account was issued twocourtesy late fee credits totaling $The account was only charged a finance charge for the outstandingbalance.On March 2, 2017, a statement was mailed to you reflecting a balance of $67.34, and a $minimumpayment due on March 28, Payment of $was received on March 4, 2017, and payment of $was received on March 27, The account was only charged a finance charge for the outstandingbalance.On April 2, 2017, a statement was mailed to you reflecting a balance of $33.00, and a $minimumpayment due on April 28, The minimum payment due was removed, as a courtesy, since yourequested to file a dispute with the Bank, and you were sent a form on May 1, 2017, to complete and return.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.Enclosed are copies of the billing statements for your records.To provide the best customer service possible, we offer multiple ways to make a paymentChoose apayment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your paymentin the store so it can be applied to your account on the same dayCheck the back of your billing statementto see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:p.mEasternTime (ET) will be credited to your account on the same day, unless you select a date in the futureOnlinepayments submitted after 8:p.mET will be credited the following day (or on a future scheduled paymentdate).Mail: Send your payment and payment coupon in the envelope that came with your billing statementWerecommend allowing up to days for the payment to arriveIf you’re a paperless customer, print out apayment stub on the online account management site so your payment is processed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on the back ofyour billing statement before 8:p.mET to speak to a customer care representativeA fee may apply tosame-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.Th...⇄ Bank is unwilling to credit any additional late fees to the account, as no Bank error was found.In addition, the Bank is required to report factual account activity to the credit-reporting agenciesAs such,the negative payment information that reported for March and April is valid, and we are unwillingto change or delete the information.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####