Comenity Bank (Bank) has received your correspondence, on behalf of
your husband, [redacted], regarding the above-referenced account.
Comenity Bank issues the Eddie
Bauer credit card. We are here to answer your questions and assist
with your concerns. We...
understand from the correspondence that
your husband opened up an account while visiting the retail store located in
Destin, Florida. You state that your
husband did not receive statements nor a credit card. You also indicate that you are receiving
harassing calls from Comenity Bank regarding payment when the balance was paid
in full. During these calls with the
Bank you state that you received rude service.
You are requesting that the calls be stopped regarding this account and
the balance on the account be removed as it is paid in full. Additionally, you are requesting to hear the
recorded telephone calls; as you state that the Bank continued to call after
the request to stop all calls regarding the account was made. I am happy to share my findings with you.The Bank has reviewed the applicable
telephone conversations. We apologize if
you felt that you did not receive the best customer service. It is never the Bank’s intention to treat our
customers in a less than satisfactory manner.
Comenity Bank is committed to providing the best customer service and is
disappointed when a customer feels that this standard was not met.After a thorough review of the account it
appears the primary accountholder is [redacted]. As you are not the primary accountholder on
this account, the Bank is unable to discuss or make changes to the
account. As such, a separate response
will be sent directly to [redacted] regarding this matter.I hope you found this information to be helpful. If you have any questions or concerns, please
feel free to contact me at ###-###-####.Sincerely,
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Westgate Rewards MasterCard® account. We are here to answer your questions and assist with your concerns. We understand from your...
complaint that while on vacation, you purchased a timeshare on June 26, 2016. You state when you got home, you contacted Westgate to cancel the timeshare as you could not afford it. You state Westgate informed you that the timeshare could not be cancelled until you retained a lawyer. You retained a lawyer, who sent two correspondences to Westgate. Westgate responded December 20, 2016, with information to void the contract. However, this matter has been placed on your credit report and has deprived you the ability to get a business loan. You request the record removed from your credit report and compensation offered to you due to this matter affecting your ability to get a business loan. I am happy to share my findings. Please note that Westgate and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Westgate is responsible for handling matters related to sales, merchandise processing, returns and shipping. Bank records indicate the account was opened June 23, 2016. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase posted to the account in the amount of $2,197.00 and $1,200.00 on June 23, 2016. No payments have been made to the balance. The account is currently six billings past due, with an outstanding balance of $4,016.84 and a minimum payment of $377.00 due by April 20, 2017. If an account exceeds six consecutive billing cycles past due, the account will be written off, and reported to the national credit-reporting agencies as an unpaid debt. We contacted Westgate, on your behalf, regarding this matter. They advised that they did not receive a cancelation request in writing, within the allotted rescission period. There is also no record that you needed to obtain an attorney to cancel the timeshare contract. Westgate offered on December 20, 2016, to cancel the timeshare with no refund. On March 23, 2017, your attorney advised them that you accepted the offer. 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. Please contact our Recovery department at ###-###-#### to set up suitable payment arrangements. We respectfully decline your request for compensation. 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]
These items were returned and hsn recieved the items and I sent other items back to that I never recieved credit on. I sent back 2 nikon cameras that were not given credit on.I will no longer use this credit card as I have closed the account.I would like the credit for these items but looks like they are not goong to do that or give me a detailed statemnt from aug. like I asked for.
Regards, [redacted]
Dear Mr. [redacted] Thank you for your complaint, addressed to the Revdex.com, regarding the above-noted account. Comenity Bank issues Meijer accounts and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate this opportunity...
to assist you. Your complaint indicates that while checking your credit score you noticed that a credit card had been open fraudulently, you further state that you contacted [redacted] and they verified that the application was approved and that you did not owe anything. You are requesting an investigation be conducted. Bank records indicate the Meijer credit card was opened on November 29, 2015, in the name of [redacted]. Additionally, we show a letter was mailed to you by our Frau department on April 26, 2016, however, this letter was mailed to the incorrect address. I have enclosed a copy of the Fraud Affidavit. Please fill it out, and return it as soon as possible so that we can initiate an investigation. Additionally, Comenity Bank has no business affiliation with [redacted] I hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Rosa M[redacted]
Dear [redacted]Comenity Bank has received your additional correspondence regarding the above-referencedaccount. Comenity Bank issues the Lane Bryant credit card accounts. We are here to answeryour questions and assist with your concerns.We understand that you were given a credit to your account, and also made a payment, whichwould have been over the amount needed for your minimum payment. As you have paid youraccount in full, you are requesting to receive a refund in the amount of $32.00.As previously advised when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.Please be advised, credits do not count towards the minimum amount due unless the accountwould be paid in full. As your account had a remaining balance after your payment, and thepayment did not cover the minimum nor the full remaining balance, the late fee is valid.The Bank respectfully declines your request for a refund.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the LOVELOFT Mastercard® credit card. We are here to answer yourquestions and assist with your concerns.We understand your concerns regarding the vacation package you...
purchased from [redacted]
[redacted]We previously received and responded to your correspondence submitted to the Bank regardingthis same matter. Please find enclosed a copy of our responses sent to you on November 30,2016, and January 11, 2017. Please be advised the Bank’s position remains unchanged. Anyconcerns regarding the purchase should be directed to Grand Celebrations at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]
We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues TORRID credit card accounts, and we are here to help answer account-related questions. Your complaint was forwarded to my attention and I appreciate...
this opportunity to address your concerns. We understand from your complaint that you made a payment October 19th, although your payment due date is October 18th. You state the account was assessed a $27.00 late fee. You state you called and spoke with the Bank regarding not having an income, requested the late fee removal and a due date change. You state the Bank advised you the late fee could not be removed and each cardholder has the same due date. You state you spoke with the Bank in September and were advised that as long as you paid by the 23rd; you would not have a problem. You request the late fee be refunded and the payment process made easier so that the account is not assessed late fees. I am happy to share my findings. We have reviewed the concerns in your complaint, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. 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. Please be advised there is no grace period. We understand your request to change the due date on your account to a later date; however, TORRID credit card accounts do not have the option to change the due date. We value you as a customer and apologize for any inconvenience you may experience as a result of this situation. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you. In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted before 8 p.m. Eastern Time (ET) can be credited to your account same-day. Online payments submitted after 8 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your TORRID account. 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. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. Please note no Bank errors were found, however in the interest of customer service we issued a credit of $27.00 for the prior late fee assessed. We are unwilling to remove any additional fees regarding this matter. As of the date of this letter the balance is $34.14. We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me directly at 1-800-675-5685, ext. 7293578 (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely, Kaija M[redacted] Consumer Relations Specialist CC: Revdex.com
Dear Ms. [redacted] We received your additional complaint addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Woman Within® credlt card accounts and we are here to assist you with all account-related questions or concerns. I appreciate the opportunity to respond to your concerns. Our records indicate that the situations referenced in your complaint have been investigated and a response was previously issued explaining our findings and resolution. Comenity Bank's position remains unchanged. A copy of the previous response has been enclosed for your records. It is my understanding that you have spoken with the Revdex.com. When a response to the Revdex.com is uploaded for the consumer to view, an internal Revdex.com system reviews the letter, and then copies our response to you. When my response was copied from the Revdex.com's system, there was a miscommunication in the information that was provided, which was addressed with the Revdex.com. It is also my understanding that you were sent a special letter explaining the miscommunication that occurred. My letter sent on June 23, 2015, has the correct information in reference to your above-referenced account. A billing statement was sent to you on April 7, 2015. This statement included your payment of $30.00. It also includedd a late fee credit of $20.00 and a finance charge credit of $5.32. A copy of this billing statement is enclosed for your records. If you have further questions regarding the charges and credits applied to your account, please contact Woman Within® at ###-###-####. If you have further questions regarding the charges from Palm Beach Jewelry, or need to make a return, please contact them at: Palm Beach Jewelry [redacted]
[redacted] ###-###-#### You are a valued customer and we apologize for any confusion or frustration this matter has caused you. Should you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). It is often easier to resolve a matter, if we can discuss it. Please contact me if you feel this matter has not been properly resolved. I will be happy to assist you. Sincerely, Amanda R[redacted]
I am rejecting this response because: again your company is inconsistent with what you do and comprehend. I DID NOT state my drivers license was stolen. I stated my identity has been stolen. I have not had any of my cards stolen or identifications stolen. I am a victim of identity theft. My social security number is being used fraudulent. I sent a copy my identification to your fraud team because they stated they needed a copy. You can reach me at [redacted] should you need further clarification.
Regards,
[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Woman Within credit card account. We are here to answer your questions and assist with your concerns. I understand from your correspondence that you were told your account...
would be at a zero balance due to the Bank representative removing the remaining charges. I also understand you are requesting any derogatory information be removed from your credit bureau report. Please be advised your account was closed at your request on August 29, 2016. Adjustments have been made to the account to remove the remaining balance. We apologize this was not done correctly when we previously adjusted the account. Please be assured matters of this nature are reviewed by management so additional training/coaching can be provided to our associate. Please be assured, notification was sent to the national credit-reporting agencies with instructions to remove the delinquencies from your credit bureau report. Please allow the credit-reporting agencies 45 days to update their records. 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, Kristina W[redacted] Compliance Dept. – Consumer Responses CC: Revdex.com
Dear Mr. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Bealls Florida credit card accounts, and we are here toassist you with all account-related questions or concerns. I appreciate the opportunity to respond...
toyour concerns.We understand from your complaint that you are receiving phone calls from Comenity Bank, and youwould like these calls to stop.When the Bank's records show an account as delinquent, the Bank will make attempts to contactyou regarding the status of the account. Many times a payment is overlooked by the customer, anda reminder call is helpful to bring the account back to a current status. Due to potential negativeramifications for our customers if an account remains delinquent. Comenity Bank may call you untilour attempt to communicate is successful. The telephone numbers ending in 1744, 1244, and 3686were shown as possible numbers to contact you, in an attempt to resolve the balance on your BeallsFlorida credit card account.Please be assured, per your request, we have updated the telephone numbers on the account toensure that you no longer receive telephone calls regarding the Bealls Florida account. However,the Bank may contact you by mail, or service of court filing, which would be in compliance with stateand federal law.Please be advised that the Bealls Florida account was opened on December 14, 2013. The lastpurchase of $54.55 was made on May 6, 2014, and the last payment of $57.00 was received onApril 1, 2015. The account is currently three billing periods past due with a minimum payment of$81.00 due by August 5, 2015. Should the account exceed six consecutive billing periods past due,the account will be permanently closed, written-off. and reported to the national credit-reportingagencies as an unpaid debt. This information could remain on your credit report for up to sevenyears.The Bank understands that customers may experience difficulty making their payments due toeconomic factors. You may be eligible for enrollment in our Customer Hardship Program Thisprogram provides customers with six to twelve months of special terms in order to bring and keepthe account current. If you are interested in obtaining information on whether you qualify for thisprogram, please call ###-###-####.Also, customers who are experiencing financial difficulties are urged to contact a non-profitConsumer Credit Counseling Sewice (CCCS), organization for assistance. Their programs canprovide options such as reducing the interest rate and the minimum payment requirement, andcould include all of your creditors. Cornenity Bank supports and paltlcipates in the programsprovided by CCCS agencies. Should you wish to obtain information regarding their programs andfor a member agency located near you, please contact the National Foundation for CreditCounseling at ###-###-####.We sincerely apologize for the frustration and inconvenience this matter may have caused you.Should you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Amanda R[redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues POTTERY BARN credit card accounts and we are here to respond to account-related questions. Your correspondence was forwarded...
to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you made several purchases, and were told that you would have 12 months to pay your bill without an extra charge; however, your account has been assessed finance charges of more than $100.00. You state that nobody mentioned anything about restrictions, and if you had known that you would be charged finance charges, you wouldn’t have chosen the plan. You are requesting to have the finance charges waived. We apologize for any inconvenience this matter may have caused you. Please be advised, when purchasing from Pottery Barn, customers will be able to choose between two programs: Earn 10% Rewards/design dollars or 12 months deferred interest, with a purchase amount of $750 or more in a single transaction. Our records indicate that a purchase of $1,259.37 was charged to your account on May 7, 2016, and was placed on a 12 month deferred interest payment required plan, due to expire on May 8, 2017. The following purchases earned you 10% Rewards/design dollars: June 6, 2016, for $543.90; June 30, 2016, for $137.10; July 18, 2016, for $1,096.09; October 11, 2016, for $41.04 and $49.65; and November 1, 2016, for $6.86. Thank you for your payment of $2,486.23, made on October 25, 2016, to pay your account balance in full. In the interest of customer service, a credit of $114.20 has been issued to your account to refund the previously assessed finance charges. With this adjustment you have a credit balance of $114.20; a refund check has been requested and should be received within fourteen days. We hope you find this information helpful. If you have any further 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]
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Regards,
[redacted]
Dear Ms, [redacted]We received your complaint, addressed to the Setter Business Bureau, regarding the acmuntreferenced above. Comenity Bank issues Woman Within@ credit mrd accounk, and we arehere to assist you with all account-related questions or concerns. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint you do not believe your balance is correct. You areconcerned you are being billed twice for a back ordered item that you ordered this past summer.You further state you have requested the account to be cancelled multiple times, but theaccount has yet to be cancelled. You would like a total refund on the amounts the Bank hasbilled you for, and the account to be closed.Thank yolj for taking the time to speak with me on November 19. 2015. Per our discussion. wehave researched your account, and I am happy to share our findings.Please note that Woman Within and Comenity Bank are two separate entities. The Bank issuesand is responsible for addressing questions related to the Woman Within@ credit card account.Woman Within is responsible for handling matters related to sales, merchandise processing,returns and shipping.Additionally, please keep in mind, when ordering merchandise by mail, your credit card accountis charged for the cost of the merchandise, as well as shipping and handling. When themerchandise is returned, your account is credited for the cost of the merchandise only; shippingand handling is not refunded. In addition, if the provided return label is used to return thepackage, We return label fee is also charged to the account.If an item is backordered, the charge for those items, including any shipping and handlingcharges not applied to the original shipment, and any taxes, won't be charged to your accountuntil the backordered item is shipped.Bank records indicate you have processed multiple orders and returns with Woman Within toyour Woman Within@ credit card account. I have enclosed copies of your billing statementswhich show the account activity that comprised the account balance.We have spoken to Woman Within on your behalf, and they have advlsed that the 'paradiseturquoise tie dye s h j f was back ordered on August 23, 2015, and was sent on October 20,2015. You were charged for this item once on October 20, 2015, in the amount of $19.07.Woman Within received your return far this item, and processed a credit of $19.07 on November8, 2015.The Bank has reviewed the account, and we find the balance to be valid. As such, we areunwilling to refund any charges pertaining to the balance.If you have further questions regarding the orders billed to your account, or merchandise quality,please contact Woman Within at ###-###-####.The bank has no record of any previous correspondence where you requested the accountclosed. However, per your request, the account was closed on November 19,2015.We hope you find this information to be helpful. Should you have any further questionsregarding your account, please contact me at ###-###-####. ext. [redacted] (TDD/TTY ###### It is often easier to resolve a matter, if we can discuss it. Please contact me if youfeel this matter has not been properly resolved. I will be happy to assist you.Sincerely,Amanda R[redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Venus credit cards, and we are here to answer all of your account-related questions. Your correspondence was forwarded to my attention, and...
I appreciate the opportunity to assist you. We understand your concerns regarding the purchases that billed to your Venus credit card account, as well as the fees that were assessed to the account. You stated that you believed the purchases had been billed to your personal credit card account, and when you found out this was not the case, you made payment for the purchases. You feel that the fees should be removed and the account updated. We apologize for any inconvenience or frustration that this matter may have caused you. Bank records indicate your Venus credit card account was opened on May 11, 2015. On June 22, 2015, a charge in the amount of $54.95 was billed to the account. A billing statement was sent to you on June 22, 2015, with a balance of 54.95, and a minimum payment of $25.00, due by July 18, 2015. As no payment was received, a late fee and finance charge were assessed to the account. On July 7, 2015, a charge in the amount of $16.00 was billed to the account. A billing statement was sent to you on July 23, 2015, with a balance of $97.95, and a minimum payment of $30.00, due by August 18, 2015. As no payment was received, a late fee and finance charge were assessed to the account. We received a payment of $70.95 on September 22, 2015; however, there was still a balance on the account. Since no additional payments were received, additional fees have been assessed, bringing the balance on the account to $169.26. In the interest of customer service, we have issued credits in the amount of $169.26 for the previously assessed fees. Additionally, we have sent notification to the national credit-reporting agencies to remove the delinquencies that were recently reported for the months of November and December 2015, with regard to this issue. Please allow 45 days for these agencies to update their records. I hope you find this information to be helpful. If you have any further questions or concerns, you may contact me at ###-###-####, ext. [redacted]8 (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Melissa L[redacted]
When I paid the last charges the Limited and Victoria secret, I asked to have both cards closed. My request to have both cards closed should be honored and succeeding transaction should not be happening if the bank honors my request. Comenity bank should give me a zero balance on all charges of accounts of Victoria Secret and The Limited. I had been communicating with the banks representative and continued to have declined by the representatives that I resulted to make this complaints to this bureau. I want the January statement of the Limited and the Victoria Secret a zero balance, and have a closed account including the card of my irresponsible daughter. I worry that this could be a temporary resolution, and I may incur charges again in the future if my daughter will used her store card again. I do not trust Comenity Bank. I want a paper statement that reflect a zero balance statement and a confirmation of a close store card account.
July 23, 2015 Linda Medina 10803 Wellington Street Melrose Park, IL 60164-1258 RE: Haband Credit Card Account Ending In 5586Revdex.com Complaint ID # 10713770 Dear Ms. Medina: 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 $68.00 to remove the remaining balance from the account. Please 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 45 days to update their records. The account was closed, at your request, on June 18, 2015. 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 you. Sincerely, Laura R[redacted]
Thank you so very much for your quick response. I really appreciate the detailed response and explanation of charges but I would like for you to take into consideration that in 5 years I've had this account I had never been late before until the minimum went up and you started charging me unnecessary charges. I've been assessed over $300 in late charges when in fact I was not late just didn't pay the minimum you adjusted. Furthermore 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 of. My 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 false call. Not once did any representative mention this was my Victoria secret card and never did they mention I wasn't paying enough of a minimum. They just said late charges which to me are false. Please 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,
Dear [redacted]: We have received the complaint addressed to the Revdex.com, regarding the above-noted account. Comenity Capital Bank issues Ideal Image® VIP credit accounts, and we are here to help with your account-related questions. Your complaint was forwarded to...
my attention, and I appreciate the opportunity to respond to your concerns. In reviewing your complaint, the Bank understands that you wish to cancel your agreement with Ideal Image. Furthermore, you wish to have this debt canceled so it does not affect your credit history. We apologize for any frustration or inconvenience this situation may have caused you. Please be advised that Comenity Capital Bank and Ideal Image are separate entities. The Bank is responsible for addressing questions related to the Ideal Image® VIP credit account, while Ideal Image is responsible for addressing concerns regarding treatments, charges, and refunds. Bank records show that a charge of $6,265.80 posted to your account on December 27, 2015. The purchase was placed on a 36 month deferred interest, equal payment required plan, expiring December 29, 2017. Purchases on this plan will accrue interest, but the interest will not be added to the account if the purchase is paid in full before the end of the promotional period. The customer is required to make equal monthly payments during the promotional period. For example, if the customer’s purchase is $1,200.00 and the plan lasts for 12 months, the customer is required to make an equal payment of $100.00 each month. This information is provided to you on each of your billing statements under the “Details of your plan” section. I have enclosed your billing statements for your review. Please be assured that the Bank reached out to Ideal Image regarding the charge of $6,265.80, and they advised that you have been seen for three appointments. Furthermore, if you wish to not be seen anymore, Ideal Image requests that you sign a refund agreement to receive a refund for the treatments you have not received. Please contact Ideal Image directly regarding the refund. I have enclosed the sales agreement for your review as well. As of today’s date, the balance on your Ideal Image® VIP account is $5,235.80, with a minimum payment of $175.00 due by August 7, 2015. We hope that the information provided is helpful. Should you have any additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Jenny W[redacted]
they are lying. No stand up company would only be charging someone late fees on top of late fees. There are no real fees. Only 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]
Comenity Bank (Bank) has received your correspondence, on behalf of
your husband, [redacted], regarding the above-referenced account.
Comenity Bank issues the Eddie
Bauer credit card. We are here to answer your questions and assist
with your concerns. We...
understand from the correspondence that
your husband opened up an account while visiting the retail store located in
Destin, Florida. You state that your
husband did not receive statements nor a credit card. You also indicate that you are receiving
harassing calls from Comenity Bank regarding payment when the balance was paid
in full. During these calls with the
Bank you state that you received rude service.
You are requesting that the calls be stopped regarding this account and
the balance on the account be removed as it is paid in full. Additionally, you are requesting to hear the
recorded telephone calls; as you state that the Bank continued to call after
the request to stop all calls regarding the account was made. I am happy to share my findings with you.The Bank has reviewed the applicable
telephone conversations. We apologize if
you felt that you did not receive the best customer service. It is never the Bank’s intention to treat our
customers in a less than satisfactory manner.
Comenity Bank is committed to providing the best customer service and is
disappointed when a customer feels that this standard was not met.After a thorough review of the account it
appears the primary accountholder is [redacted]. As you are not the primary accountholder on
this account, the Bank is unable to discuss or make changes to the
account. As such, a separate response
will be sent directly to [redacted] regarding this matter.I hope you found this information to be helpful. If you have any questions or concerns, please
feel free to contact me at ###-###-####.Sincerely,
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Westgate Rewards MasterCard® account. We are here to answer your questions and assist with your concerns. We understand from your...
complaint that while on vacation, you purchased a timeshare on June 26, 2016. You state when you got home, you contacted Westgate to cancel the timeshare as you could not afford it. You state Westgate informed you that the timeshare could not be cancelled until you retained a lawyer. You retained a lawyer, who sent two correspondences to Westgate. Westgate responded December 20, 2016, with information to void the contract. However, this matter has been placed on your credit report and has deprived you the ability to get a business loan. You request the record removed from your credit report and compensation offered to you due to this matter affecting your ability to get a business loan. I am happy to share my findings. Please note that Westgate and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Westgate is responsible for handling matters related to sales, merchandise processing, returns and shipping. Bank records indicate the account was opened June 23, 2016. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase posted to the account in the amount of $2,197.00 and $1,200.00 on June 23, 2016. No payments have been made to the balance. The account is currently six billings past due, with an outstanding balance of $4,016.84 and a minimum payment of $377.00 due by April 20, 2017. If an account exceeds six consecutive billing cycles past due, the account will be written off, and reported to the national credit-reporting agencies as an unpaid debt. We contacted Westgate, on your behalf, regarding this matter. They advised that they did not receive a cancelation request in writing, within the allotted rescission period. There is also no record that you needed to obtain an attorney to cancel the timeshare contract. Westgate offered on December 20, 2016, to cancel the timeshare with no refund. On March 23, 2017, your attorney advised them that you accepted the offer. 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. Please contact our Recovery department at ###-###-#### to set up suitable payment arrangements. We respectfully decline your request for compensation. 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]
These items were returned and hsn recieved the items and I sent other items back to that I never recieved credit on. I sent back 2 nikon cameras that were not given credit on.I will no longer use this credit card as I have closed the account.I would like the credit for these items but looks like they are not goong to do that or give me a detailed statemnt from aug. like I asked for.
Regards, [redacted]
Dear Mr. [redacted] Thank you for your complaint, addressed to the Revdex.com, regarding the above-noted account. Comenity Bank issues Meijer accounts and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate this opportunity...
to assist you. Your complaint indicates that while checking your credit score you noticed that a credit card had been open fraudulently, you further state that you contacted [redacted] and they verified that the application was approved and that you did not owe anything. You are requesting an investigation be conducted. Bank records indicate the Meijer credit card was opened on November 29, 2015, in the name of [redacted]. Additionally, we show a letter was mailed to you by our Frau department on April 26, 2016, however, this letter was mailed to the incorrect address. I have enclosed a copy of the Fraud Affidavit. Please fill it out, and return it as soon as possible so that we can initiate an investigation. Additionally, Comenity Bank has no business affiliation with [redacted] I hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Rosa M[redacted]
Dear [redacted]Comenity Bank has received your additional correspondence regarding the above-referencedaccount. Comenity Bank issues the Lane Bryant credit card accounts. We are here to answeryour questions and assist with your concerns.We understand that you were given a credit to your account, and also made a payment, whichwould have been over the amount needed for your minimum payment. As you have paid youraccount in full, you are requesting to receive a refund in the amount of $32.00.As previously advised when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.Please be advised, credits do not count towards the minimum amount due unless the accountwould be paid in full. As your account had a remaining balance after your payment, and thepayment did not cover the minimum nor the full remaining balance, the late fee is valid.The Bank respectfully declines your request for a refund.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the LOVELOFT Mastercard® credit card. We are here to answer yourquestions and assist with your concerns.We understand your concerns regarding the vacation package you...
purchased from [redacted]
[redacted]We previously received and responded to your correspondence submitted to the Bank regardingthis same matter. Please find enclosed a copy of our responses sent to you on November 30,2016, and January 11, 2017. Please be advised the Bank’s position remains unchanged. Anyconcerns regarding the purchase should be directed to Grand Celebrations at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]
We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues TORRID credit card accounts, and we are here to help answer account-related questions. Your complaint was forwarded to my attention and I appreciate...
this opportunity to address your concerns. We understand from your complaint that you made a payment October 19th, although your payment due date is October 18th. You state the account was assessed a $27.00 late fee. You state you called and spoke with the Bank regarding not having an income, requested the late fee removal and a due date change. You state the Bank advised you the late fee could not be removed and each cardholder has the same due date. You state you spoke with the Bank in September and were advised that as long as you paid by the 23rd; you would not have a problem. You request the late fee be refunded and the payment process made easier so that the account is not assessed late fees. I am happy to share my findings. We have reviewed the concerns in your complaint, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. 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. Please be advised there is no grace period. We understand your request to change the due date on your account to a later date; however, TORRID credit card accounts do not have the option to change the due date. We value you as a customer and apologize for any inconvenience you may experience as a result of this situation. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you. In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted before 8 p.m. Eastern Time (ET) can be credited to your account same-day. Online payments submitted after 8 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your TORRID account. 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. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. Please note no Bank errors were found, however in the interest of customer service we issued a credit of $27.00 for the prior late fee assessed. We are unwilling to remove any additional fees regarding this matter. As of the date of this letter the balance is $34.14. We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me directly at 1-800-675-5685, ext. 7293578 (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely, Kaija M[redacted] Consumer Relations Specialist CC: Revdex.com
Dear Ms. [redacted] We received your additional complaint addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Woman Within® credlt card accounts and we are here to assist you with all account-related questions or concerns. I appreciate the opportunity to respond to your concerns. Our records indicate that the situations referenced in your complaint have been investigated and a response was previously issued explaining our findings and resolution. Comenity Bank's position remains unchanged. A copy of the previous response has been enclosed for your records. It is my understanding that you have spoken with the Revdex.com. When a response to the Revdex.com is uploaded for the consumer to view, an internal Revdex.com system reviews the letter, and then copies our response to you. When my response was copied from the Revdex.com's system, there was a miscommunication in the information that was provided, which was addressed with the Revdex.com. It is also my understanding that you were sent a special letter explaining the miscommunication that occurred. My letter sent on June 23, 2015, has the correct information in reference to your above-referenced account. A billing statement was sent to you on April 7, 2015. This statement included your payment of $30.00. It also includedd a late fee credit of $20.00 and a finance charge credit of $5.32. A copy of this billing statement is enclosed for your records. If you have further questions regarding the charges and credits applied to your account, please contact Woman Within® at ###-###-####. If you have further questions regarding the charges from Palm Beach Jewelry, or need to make a return, please contact them at: Palm Beach Jewelry [redacted]
[redacted] ###-###-#### You are a valued customer and we apologize for any confusion or frustration this matter has caused you. Should you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). It is often easier to resolve a matter, if we can discuss it. Please contact me if you feel this matter has not been properly resolved. I will be happy to assist you. Sincerely, Amanda R[redacted]
I am rejecting this response because: again your company is inconsistent with what you do and comprehend. I DID NOT state my drivers license was stolen. I stated my identity has been stolen. I have not had any of my cards stolen or identifications stolen. I am a victim of identity theft. My social security number is being used fraudulent. I sent a copy my identification to your fraud team because they stated they needed a copy. You can reach me at [redacted] should you need further clarification.
Regards,
[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Woman Within credit card account. We are here to answer your questions and assist with your concerns. I understand from your correspondence that you were told your account...
would be at a zero balance due to the Bank representative removing the remaining charges. I also understand you are requesting any derogatory information be removed from your credit bureau report. Please be advised your account was closed at your request on August 29, 2016. Adjustments have been made to the account to remove the remaining balance. We apologize this was not done correctly when we previously adjusted the account. Please be assured matters of this nature are reviewed by management so additional training/coaching can be provided to our associate. Please be assured, notification was sent to the national credit-reporting agencies with instructions to remove the delinquencies from your credit bureau report. Please allow the credit-reporting agencies 45 days to update their records. 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, Kristina W[redacted] Compliance Dept. – Consumer Responses CC: Revdex.com
Dear Mr. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Bealls Florida credit card accounts, and we are here toassist you with all account-related questions or concerns. I appreciate the opportunity to respond...
toyour concerns.We understand from your complaint that you are receiving phone calls from Comenity Bank, and youwould like these calls to stop.When the Bank's records show an account as delinquent, the Bank will make attempts to contactyou regarding the status of the account. Many times a payment is overlooked by the customer, anda reminder call is helpful to bring the account back to a current status. Due to potential negativeramifications for our customers if an account remains delinquent. Comenity Bank may call you untilour attempt to communicate is successful. The telephone numbers ending in 1744, 1244, and 3686were shown as possible numbers to contact you, in an attempt to resolve the balance on your BeallsFlorida credit card account.Please be assured, per your request, we have updated the telephone numbers on the account toensure that you no longer receive telephone calls regarding the Bealls Florida account. However,the Bank may contact you by mail, or service of court filing, which would be in compliance with stateand federal law.Please be advised that the Bealls Florida account was opened on December 14, 2013. The lastpurchase of $54.55 was made on May 6, 2014, and the last payment of $57.00 was received onApril 1, 2015. The account is currently three billing periods past due with a minimum payment of$81.00 due by August 5, 2015. Should the account exceed six consecutive billing periods past due,the account will be permanently closed, written-off. and reported to the national credit-reportingagencies as an unpaid debt. This information could remain on your credit report for up to sevenyears.The Bank understands that customers may experience difficulty making their payments due toeconomic factors. You may be eligible for enrollment in our Customer Hardship Program Thisprogram provides customers with six to twelve months of special terms in order to bring and keepthe account current. If you are interested in obtaining information on whether you qualify for thisprogram, please call ###-###-####.Also, customers who are experiencing financial difficulties are urged to contact a non-profitConsumer Credit Counseling Sewice (CCCS), organization for assistance. Their programs canprovide options such as reducing the interest rate and the minimum payment requirement, andcould include all of your creditors. Cornenity Bank supports and paltlcipates in the programsprovided by CCCS agencies. Should you wish to obtain information regarding their programs andfor a member agency located near you, please contact the National Foundation for CreditCounseling at ###-###-####.We sincerely apologize for the frustration and inconvenience this matter may have caused you.Should you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Amanda R[redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues POTTERY BARN credit card accounts and we are here to respond to account-related questions. Your correspondence was forwarded...
to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you made several purchases, and were told that you would have 12 months to pay your bill without an extra charge; however, your account has been assessed finance charges of more than $100.00. You state that nobody mentioned anything about restrictions, and if you had known that you would be charged finance charges, you wouldn’t have chosen the plan. You are requesting to have the finance charges waived. We apologize for any inconvenience this matter may have caused you. Please be advised, when purchasing from Pottery Barn, customers will be able to choose between two programs: Earn 10% Rewards/design dollars or 12 months deferred interest, with a purchase amount of $750 or more in a single transaction. Our records indicate that a purchase of $1,259.37 was charged to your account on May 7, 2016, and was placed on a 12 month deferred interest payment required plan, due to expire on May 8, 2017. The following purchases earned you 10% Rewards/design dollars: June 6, 2016, for $543.90; June 30, 2016, for $137.10; July 18, 2016, for $1,096.09; October 11, 2016, for $41.04 and $49.65; and November 1, 2016, for $6.86. Thank you for your payment of $2,486.23, made on October 25, 2016, to pay your account balance in full. In the interest of customer service, a credit of $114.20 has been issued to your account to refund the previously assessed finance charges. With this adjustment you have a credit balance of $114.20; a refund check has been requested and should be received within fourteen days. We hope you find this information helpful. If you have any further 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]
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Regards,
[redacted]
Dear Ms, [redacted]We received your complaint, addressed to the Setter Business Bureau, regarding the acmuntreferenced above. Comenity Bank issues Woman Within@ credit mrd accounk, and we arehere to assist you with all account-related questions or concerns. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint you do not believe your balance is correct. You areconcerned you are being billed twice for a back ordered item that you ordered this past summer.You further state you have requested the account to be cancelled multiple times, but theaccount has yet to be cancelled. You would like a total refund on the amounts the Bank hasbilled you for, and the account to be closed.Thank yolj for taking the time to speak with me on November 19. 2015. Per our discussion. wehave researched your account, and I am happy to share our findings.Please note that Woman Within and Comenity Bank are two separate entities. The Bank issuesand is responsible for addressing questions related to the Woman Within@ credit card account.Woman Within is responsible for handling matters related to sales, merchandise processing,returns and shipping.Additionally, please keep in mind, when ordering merchandise by mail, your credit card accountis charged for the cost of the merchandise, as well as shipping and handling. When themerchandise is returned, your account is credited for the cost of the merchandise only; shippingand handling is not refunded. In addition, if the provided return label is used to return thepackage, We return label fee is also charged to the account.If an item is backordered, the charge for those items, including any shipping and handlingcharges not applied to the original shipment, and any taxes, won't be charged to your accountuntil the backordered item is shipped.Bank records indicate you have processed multiple orders and returns with Woman Within toyour Woman Within@ credit card account. I have enclosed copies of your billing statementswhich show the account activity that comprised the account balance.We have spoken to Woman Within on your behalf, and they have advlsed that the 'paradiseturquoise tie dye s h j f was back ordered on August 23, 2015, and was sent on October 20,2015. You were charged for this item once on October 20, 2015, in the amount of $19.07.Woman Within received your return far this item, and processed a credit of $19.07 on November8, 2015.The Bank has reviewed the account, and we find the balance to be valid. As such, we areunwilling to refund any charges pertaining to the balance.If you have further questions regarding the orders billed to your account, or merchandise quality,please contact Woman Within at ###-###-####.The bank has no record of any previous correspondence where you requested the accountclosed. However, per your request, the account was closed on November 19,2015.We hope you find this information to be helpful. Should you have any further questionsregarding your account, please contact me at ###-###-####. ext. [redacted] (TDD/TTY ###### It is often easier to resolve a matter, if we can discuss it. Please contact me if youfeel this matter has not been properly resolved. I will be happy to assist you.Sincerely,Amanda R[redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Venus credit cards, and we are here to answer all of your account-related questions. Your correspondence was forwarded to my attention, and...
I appreciate the opportunity to assist you. We understand your concerns regarding the purchases that billed to your Venus credit card account, as well as the fees that were assessed to the account. You stated that you believed the purchases had been billed to your personal credit card account, and when you found out this was not the case, you made payment for the purchases. You feel that the fees should be removed and the account updated. We apologize for any inconvenience or frustration that this matter may have caused you. Bank records indicate your Venus credit card account was opened on May 11, 2015. On June 22, 2015, a charge in the amount of $54.95 was billed to the account. A billing statement was sent to you on June 22, 2015, with a balance of 54.95, and a minimum payment of $25.00, due by July 18, 2015. As no payment was received, a late fee and finance charge were assessed to the account. On July 7, 2015, a charge in the amount of $16.00 was billed to the account. A billing statement was sent to you on July 23, 2015, with a balance of $97.95, and a minimum payment of $30.00, due by August 18, 2015. As no payment was received, a late fee and finance charge were assessed to the account. We received a payment of $70.95 on September 22, 2015; however, there was still a balance on the account. Since no additional payments were received, additional fees have been assessed, bringing the balance on the account to $169.26. In the interest of customer service, we have issued credits in the amount of $169.26 for the previously assessed fees. Additionally, we have sent notification to the national credit-reporting agencies to remove the delinquencies that were recently reported for the months of November and December 2015, with regard to this issue. Please allow 45 days for these agencies to update their records. I hope you find this information to be helpful. If you have any further questions or concerns, you may contact me at ###-###-####, ext. [redacted]8 (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Melissa L[redacted]
When I paid the last charges the Limited and Victoria secret, I asked to have both cards closed. My request to have both cards closed should be honored and succeeding transaction should not be happening if the bank honors my request. Comenity bank should give me a zero balance on all charges of accounts of Victoria Secret and The Limited. I had been communicating with the banks representative and continued to have declined by the representatives that I resulted to make this complaints to this bureau. I want the January statement of the Limited and the Victoria Secret a zero balance, and have a closed account including the card of my irresponsible daughter. I worry that this could be a temporary resolution, and I may incur charges again in the future if my daughter will used her store card again. I do not trust Comenity Bank. I want a paper statement that reflect a zero balance statement and a confirmation of a close store card account.
July 23, 2015 Linda Medina 10803 Wellington Street Melrose Park, IL 60164-1258 RE: Haband Credit Card Account Ending In 5586Revdex.com Complaint ID # 10713770 Dear Ms. Medina: 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 $68.00 to remove the remaining balance from the account. Please 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 45 days to update their records. The account was closed, at your request, on June 18, 2015. 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 you. Sincerely, Laura R[redacted]
Thank you so very much for your quick response. I really appreciate the detailed response and explanation of charges but I would like for you to take into consideration that in 5 years I've had this account I had never been late before until the minimum went up and you started charging me unnecessary charges. I've been assessed over $300 in late charges when in fact I was not late just didn't pay the minimum you adjusted. Furthermore 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 of. My 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 false call. Not once did any representative mention this was my Victoria secret card and never did they mention I wasn't paying enough of a minimum. They just said late charges which to me are false. Please 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,
Dear [redacted]: We have received the complaint addressed to the Revdex.com, regarding the above-noted account. Comenity Capital Bank issues Ideal Image® VIP credit accounts, and we are here to help with your account-related questions. Your complaint was forwarded to...
my attention, and I appreciate the opportunity to respond to your concerns. In reviewing your complaint, the Bank understands that you wish to cancel your agreement with Ideal Image. Furthermore, you wish to have this debt canceled so it does not affect your credit history. We apologize for any frustration or inconvenience this situation may have caused you. Please be advised that Comenity Capital Bank and Ideal Image are separate entities. The Bank is responsible for addressing questions related to the Ideal Image® VIP credit account, while Ideal Image is responsible for addressing concerns regarding treatments, charges, and refunds. Bank records show that a charge of $6,265.80 posted to your account on December 27, 2015. The purchase was placed on a 36 month deferred interest, equal payment required plan, expiring December 29, 2017. Purchases on this plan will accrue interest, but the interest will not be added to the account if the purchase is paid in full before the end of the promotional period. The customer is required to make equal monthly payments during the promotional period. For example, if the customer’s purchase is $1,200.00 and the plan lasts for 12 months, the customer is required to make an equal payment of $100.00 each month. This information is provided to you on each of your billing statements under the “Details of your plan” section. I have enclosed your billing statements for your review. Please be assured that the Bank reached out to Ideal Image regarding the charge of $6,265.80, and they advised that you have been seen for three appointments. Furthermore, if you wish to not be seen anymore, Ideal Image requests that you sign a refund agreement to receive a refund for the treatments you have not received. Please contact Ideal Image directly regarding the refund. I have enclosed the sales agreement for your review as well. As of today’s date, the balance on your Ideal Image® VIP account is $5,235.80, with a minimum payment of $175.00 due by August 7, 2015. We hope that the information provided is helpful. Should you have any additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Jenny W[redacted]
they are lying. No stand up company would only be charging someone late fees on top of late fees. There are no real fees. Only 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]