I just left the Samuel store location, and spoke with the management and he was no help what so ever, thought all there mistakes an total confusion with me as a consumer, there forcing me to purchase the item, however I took the item and I refuse to shop or have any dealings with this merchants again. I am very unsatisfied.
Dear [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. Your complaint was forwarded to my attention, and...
I appreciate the opportunity to assist you. You complaint states that you have not received your billing statements and your account has been charged multiple bank fees. You have also stated that after speaking to a Bank associate and making payment you were advised that the account would be current through “the next month”, which would have been August, however, you were called again regarding a past due payment. You indicated that you lost your job and cannot make the payments consistently, and state that we have been unwilling to work with you. You are asking that the Bank cease from billing you more fees than your monthly payment amount. Bank records indicate that your Victoria’s Secret/PINK account has been enrolled in paperless statements since June 25, 2013, and the billing statements are being sent to the email address of [redacted], which matches the email address in your complaint. We have no record that the statements were returned as undeliverable. A billing statement was issued to you on May 15, 2015, reflecting a balance of $1,315.73 and a minimum payment of $65.00 due on June 10, 2015. As payment was not made for the June or July 10 payment due dates, your account was assessed late fees and finance charges. Additionally, the account was reported delinquent 30 days to the credit reporting agencies. Enclosed are the billing statements for your records. Please note that per the Bank’s Credit Card Agreement (CCA), the repayment for your Victoria’s Secret/PINK account is 5% of the balance. Additionally, your account Annual Percentage Rate (APR) is 24.99%. If the payment is not made, made after the due date, or made for less than the required minimum due, the account will be assessed a late fee and a finance charge. We have reviewed the applicable telephone calls you had with the Bank. On July 15, 2015, our records show that your account minimum payment due was $130.00, for the June 10 and July 10 payment due date. The Bank’s associate did accept a $65.00 payment by phone and advised that no further payment would be due until the following month. Additionally, the associate issued a $35.00 late fee credit to your account. We apologize for the incorrect information you were provided during this call, and we assure you that we have coached our associate regarding this matter. During the telephone call with the Bank associate on July 21, 2015, our associate explained why the account was still past due and offered to enroll you into one of the Bank’s re-payment programs, which would allow you to make payments of $80.00 for three months, and after the third month, the account would be brought current. The associate also offered to remove you from the paperless billing statements, which you opted to stay enrolled. You refused repayment option and advised the associate that you would figure out making the payment on your own, and then you disconnected the telephone call. Based on our findings and, in the interest of customer service, please be assured that we have brought your account up to date and out of the past due status. We have also removed an additional $35.00 late fee, which will reflect as a credit on your August billing statement, and we removed the 30-day delinquency. The delinquency removal will update with the credit reporting agencies within 45 days. In addition, during the review of the telephone calls, you had stated that your credit limit was $2,000.00 and wanted to know why it was lowered. Bank records do not indicate that your credit limit was ever this amount. Our records further show that your previous credit limit from August 2014 was $850.00. However, you were given a credit limit increase on February 12, 2015, to $1,250.00. We sincerely apologize for the frustration and inconvenience you have been caused, and we hope this information is helpful. Should you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Shawnda Y[redacted] [redacted]
Dear [redacted]:Comenity Bank has received your correspondence regarding the above-referenced account. ComenityBank issues the BrylaneHome credit card. We are here to answer your questions and assist with yourconcerns.We understand that when placing an order with BrylaneHome, you were advised to...
call and make apayment. When you attempted to make contact you waited two hours to speak to a manager, but were notable to reach anyone, so you hung up. You mailed in a $50.00 payment, but have not received any formof acknowledgment for the payment, nor whether there is a balance or not. You are requesting to speak toa manager.I attempted to contact you on February 1, 2017, at the number ending in [redacted], to advise you of my findings.Unfortunately, my attempt was unsuccessful.Please understand that Comenity Bank and BrylaneHome are two separate entities. Comenity Bank isresponsible for addressing questions related to your credit card account, while BrylaneHome is responsiblefor handling matters related to sales, merchandise processing, returns, and shipping.Bank records indicate an order in the amount of $210.96 posted to your account on February 3, 2017. Your$50.00 payment was applied to the account on January 25, 2017. Therefore, as of the date of this letter,the balance on the account is $160.96, with a minimum payment of $20.00, due on March 3, 2017.If you have any questions about your order, we suggest that you contact BrylaneHome Catalog CustomerService directly at ###-###-####. They will be happy to assist you.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,
Dear [redacted]:Thank you for the recent complaint, addressed to Revdex.com. Comenity Capital Bank issue multiple retailer credit card accounts, and we respond to account-related inquiries. Your complaint, sent on behalf of [redacted], was forwarded to my attention, and I...
appreciate this opportunity to assist you.In your complaint you state that your mother, [redacted], should have a zero balance. I understand your concerns and I apologize for any frustration this may have caused you.After reviewing Ms. [redacted]’s account, our records show that the account is in the name of [redacted] and we do not have permission to speak to anyone else regarding her account. As you are not the accountholder, please be advised that in order to respond to you directly regarding Ms. [redacted]’s account, we would need her permission to disclose account information to you.Ms. [redacted] may contact our Customer Care department at ###-###-#### to have her account noted that we are able to speak to you regarding her account.Additionally, we have sent a direct response to Ms. [redacted] regarding the account details.We apologize for any inconvenience this matter may have caused you. 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]
Dear [redacted] Comenity Bank (Bank) has received your correspondence. We are here to answer your questions and assist with your concerns. We would like to assist you in resolving this matter. Unfortunately, we are unable to locate the account you are referencing in your...
correspondence based on the information provided. In order to investigate your concerns, please provide your account number, copies of your billing statements, and/or a copy of your credit bureau report showing your account. Once this information has been received, we will be able to further investigate. Please send this information to my attention at the address shown above. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Rosa M[redacted]
Dear [redacted]:Comenity Bank (Bank) received your correspondence regarding the above-referenced account.Comenity Bank issues the DSW Rewards Visa credit card. We are here to answer your questions andassist with your concerns.Your correspondence states there are two late payments reflected on your account; however, whenyou checked your account balance through the Bank’s Interactive Voice Response (IVR) system inJuly and August 2017, you were advised your account had a zero balance. You state you called theBank and attempted to discuss the matter with multiple associates, but the associates were abusiveto you and the matter was not resolved. You indicate that you requested a new credit card becauseyour previous credit card number was compromised, and the representative you spoke with advisedthat you made a $10.97 purchase on June 11, 2017, and there were two late fees on your account.You state that you received a birthday gift card and returned to DSW to have your previous purchaseadjusted using the gift card. You mention that you attempted to use your credit card in the store and itwas rejected, even though the credit limit had not been reached. Additionally, you state you did notreceive your monthly billing statements. You are requesting for the late fees to be removed and foryour account to be closed.We reviewed the concerns noted in your correspondence and would like to provide the followinginformation. A review of your account shows a purchase in the amount of $10.97 was made using theaccount on June 11, 2017. Your June 2017 billing statement showed a total balance of $10.97 with aminimum payment of $10.97 due by July 18, 2017. No payments have been received by the Banksince August 2, 2016; as a result, late fees and minimum charges totaling $59.91 were assessed tothe account. Please keep in mind that when payments are not received, are made for less than theminimum required, or are received after the due date cut-off time, the account will be assessed a latefee, as explained in the Credit Card Agreement.On September 14, 2017, you contacted the Bank regarding the above-mentioned fees and as a onetimecourtesy, the representative you spoke with applied a late fee credit of $17.97 and a financecharge credit of $1.54 to the account. These credits are reflected on your September 2017 billingstatement.Please note that the available credit on your account was suspended in September 2017 due todelinquency. The suspension prevents you from making purchases until the account is brought backto a current status. The account is currently three billing cycles past due and was closed, per yourrequest, on September 14, 2017.In regard to your statement about the IVR system advising your account had a zero balance in July2017 and August 2017, we reviewed the Bank’s IVR records and were not able to locate any instanceswhere you called the IVR system regarding your DSW Rewards Visa account during the months ofJuly 2017 or August 2017. Your account balance for the July 2017 billing cycle was $23.94 and youraccount balance for the August 2017 billing cycle was $43.91. These balances wrtr accuratelyreflected in the IVR system.With respect to your statement about Bank associates treating you in an abusive manner, we reviewedthe applicable telephone conversations and did not identify any instances of inappropriate orunprofessional behavior on the part of any Bank associates; however, we apologize if you felt you didnot receive the best customer service. We never intend to treat our customers in a less-than satisfactorymanner. We are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not met.Upon receipt of your correspondence, we contacted DSW regarding the birthday coupon discount,and verified that, on July 7, 2017, a DSW associate applied a birthday coupon discount in the amountof $5.00 to one of your purchases. A credit in the amount of $5.51 (birthday coupon discount + tax)was issued to your Mastercard ending in [redacted]. This account is not associated with your DSW RewardsVisa account. Please note that since the credit for the birthday coupon discount was issued to yourMastercard ending in [redacted], the balance on your DSW Rewards Visa account was not impacted, andthe $10.97 purchase amount remained on the account.In regard to your statement about not receiving your monthly billing statements, your account wasregistered through our online Account Center on March 30, 2016, which provides account holders theability to view statements and make payments online. On the same date, you enrolled in paperlessstatements, meaning you would receive your statements online versus postal mail. When enrolled inpaperless statements, we send you a monthly Statement-Ready Email (SRE) notifying you thestatement is available to be viewed. The last SRE was sent on September 26, 2017, and we do nothave record of any emails being returned as undeliverable from the email address you provided.Please note your enrollment in paperless statements was cancelled, per your request, on September14, 2017. Going forward, paper billing statements will be sent to the address on file for your account,until the balance is paid in full.Finally, if you believe the above-mentioned credit card account number has been compromised,please contact our Account Protection team at (800) 888-1726 and they will be happy to investigateany potential fraud on your account.While we understand your frustration, we respectfully decline to credit any additional late fees on youraccount. We have determined the account balance is accurate and no additional adjustments areneeded. As of the date of this letter, your account balance is $51.37 with a minimum payment of $31.40due by October 18, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Jessica A[redacted]Compliance Dept. – Consumer Responsescc: Consumer Financial Protection Bureau
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank previously issued Value City Furniture credit card accounts, and we respond to account-related questions. ...
Your correspondence was forwarded to my attention, and I appreciate the opportunityto respond to your concerns. We understand from the correspondence that the Value City Furniture account that you were previously listed as an authorized buyer has been reporting negatively on your credit report and you would like the information removed. We apologize for the inconvenience and frustration you may have experienced due to this situation.A review of the reporting did indicate some discrepancies. Instructions were sent to the national credit-reporting agencies to delete above mentioned account in its entirety from your credit report. Please allow the credit reporting agencies 45 days to update their records.We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you.Sincerely, Ashley H[redacted]
Dear Ms. [redacted]We recelved your complaint, addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues Brylane Home@ credit card accounts, and we are here to assist you withall account-related questions or concerns. I appreciate the opportunity to respond to...
your concerns.We understand from your complaint that you would like your purchases verified, as you are disputing thebalance and credit reporting. You have also requested we cease calling you.Thank you for speaking with me on June 3, 2015. 1 have since attempted to contact you, by telephone, todiscuss additional information, on several occasions. I sent a letter to you by mail dated June 24, 2015.asking you to contact me in reference to a previous complaint, on behalf of [redacted] My attemptshave been unsuccessful. I am happy to share my findings.I have spoken to BrylaneHome on your behalf, and they have provided receipts for the purchases thatwere processed to your BrylaneHoma credit card account These receipts are enclosed for yourrecords, as well as copies of the billing statements which show the account actlvity that comprised theaccount balance and delinquencies which are reporting to the credit bureaus. Several orders wereshipped to a person other than yourself at an alternate address. If you do not recognize any of theseorders. please contact our Account Protection team at ###-###-####.Additionally, per your request, we have updated the status on the account, to ensure that you no longerreceive telephone calls from Comenity Bank. However, the Bank may contact you by mail, or service ofcourt filing, which would be in compliance with state and federal law.If you have further quest~ons regarding the charges and credits applied to your account, please contactBrylaneHome at ###-###-####.You are a valued customer, and we sincerely apologize for the frustration and inconvenience this mattermay have caused you. Should you have any further questions or concerns, please do not hesitate tocontact me at ###-###-####. ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assistyou.Sincerely,[redacted] Consumer Relations Specialist
Dear Ms. [redacted]Thank you for your recent complaint regarding the account noted above. Comenity Bank issues Peeblescredit cards and we are here to help with your account-related questions and concerns. Your complaint,addressed to the Revdex.com, was forwarded to my attention and I...
appreciate the opportunityto assist you.I understand from your complaint, that you added your husband [redacted], to your Peebtes credit cardaccount as an authorized buyer. As a result of you being hospitalized, your Peebles account becomedelinquent. You were unaware that the delinquencies were reported on your husband's credit report untilhe applied for a mortgage.In addition, you contacted the Bank on May 30, 2015, and attempted to rectify this matter. You were toldby Bank representatives that this matter would be resolved, and a resolution letter would be issued toyou. To date, this matter has not been resolved, nor have you received the requested resolution letter.You are requesting Cornenity Bank send a written apology and remove the derogatory information thatwas reported on [redacted]'s credit report regarding the Peebles account.Comenity Bank would like to apologize for any frustration and inconvenience this matter may havecaused you and your husband. We regret that the Bank provided incorrect correspondence to youregarding this matter. Please be assured, as of May 30, 2015, authorized buyer [redacted] has beenremoved from the Peebles credit card account. Also, notification has been issued to the national creditreportingagencies with instructions to remove the account, in its entirety, from [redacted]'s creditbureau report. Please allow the credit-reporting agencies 45 days to update their records.I hope you find this information to be helpful. Should you have additional questions or concerns aboutthis matter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would behappy to assist you.Sincerely,Geanine M[redacted]
Thank you for contacting Comenity Bank regarding the above-referenced account. As the bankthat issues Victoria’s Secret/PINK credit cards, we are here to help answer account-relatedquestions. Your complaint, submitted to the Revdex.com, was forwarded to myattention for review, and I...
appreciate the opportunity to assist you.We understand from your complaint that you were a victim of fraud, and that your account wasfraudulently charged for an unauthorized purchase of $270.82. After disputing the charge and itfinally being resolved, you still received statements which reflect late fees and finance charges.You state that you have not been able to get anyone to help you resolve this, and to get thecharges removed. Please accept our sincere apology for the frustration and inconvenience youhave experienced as a result of this situation.Bank records indicate that the charge for $270.82 was removed from the account on November17, 2015. Unfortunately, the previously assessed late fee and finance charge was not credited,which resulted in another late fee and finance charge. Please be assured that we have issuedcredits to the account totaling $67.82, which will result in a zero balance.In addition, because the account went delinquent, the account was reported as 30-days late tothe credit bureaus. Please be assured that we have removed the delinquency and this will updatewith the credit bureaus within 45 days.As requested, the Victoria’s Secret/PINK account was closed on November 14, 2015.Again, we sincerely apologize for your experience, and we hope this information is helpful. If youany further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you.Sincerely,
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution not what I hoped,but something is better than nothing.
Regards, [redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Cmenity Bank issues Woman Within credit card accounts, and we arehere to assist you with all account-related questions. I appreciate the opportunity to respond toyour concerns.We understand...
from your complaint that you were recently represented by an attorney that wasthrown in jail due to a serious crime he committed against his clients. You then notified theBank of the situation and paid $400.00, and asked for statements to be sent to you by mail.You state you never received statements. and you were unable to pay online. In December,you paid three months' worth of payments plus late fees. You are concerned your balance isincorrect. You state you were previously advised that your credit bureau is reflecting that theaccount was included in a bankruptcy.Thank you for speaking with me on January 28,2016. Below is a summary of our conversationand information regarding the BanKs actions in regard to this matter.On June 12, 2015. the Bank received notification from [redacted] that you weretheir client and that we were to cease and desist communication with yw. Additionally, theyrequested to have any future correspondence directed to the law firm. To comply with thisrequest, a cease and desist status was placed on your account and the law firm's address wasadded to the account so all correspondence, including billing statements, would be sent to thelaw firm.On January 13, 2016, the Bank received your letter, dated December 30, 2015, advising us ofthe situation regarding [redacted] and that you were no longer beingrepresented by them. As such, the attorney's information was removed from your account, andthe cease and desist they ordered, was removed. Please be assured that all correspondencewill be directed to you.On December 9, 2015, the Bank issued credits for previously assessed late fees totaling$105.00. As the Bank finds the balance to be valid, we are unwilling to refund any furthercharges pertaining to the balance. Enclosed please find your billing statements which show theaccount activity that comprised the account balance.Please keep in mind when payments are not received, are received aRer the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement.As of the date of this letter. the Woman Within@ account has a balance of $809.50.To provide the best customer service possible, please note the following ways in whichpayments may be made. Choose a payment method that is right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (En can be credited to youraccount the same-day. Online payments submitted after 8:00 p.m. ET will be credited thefollowing day (or on your future scheduled payment date). Please note that it may take up to twobusiness days to wmplete the financial transfer from your personal bank account to yourWoman Within@ account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing a week for the payment to arrive. If 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 payment the same-day, you may call us at the phone number on the badof your billing statement to speak to a Customer Care representative. A fee may apply to samedaypayments made with the representative.When we spoke you stated that we advised you that we were unable to process your paymentsvia telephone, because of the attorney representation. Please be advised we received twopayments processed via telephone while attorney representation was on the account. OnAugust 3, 2015, we received your payment of $400.00, and December 8. 2015, we receivedyour payment of $150.00. Phone payments are an available option for you.Comenity Bank is required by law to report factual data to the credit-reporting agencies withregard to account activity. At this time, Comenity Bank finds no errors in I k reporting of youraccount to the credit bureaus. Also, please be assured that Comenity Bank is not reporting anybankruptcy for the account.I hope you find this information to be helpful. If you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
From: Laura Rhoades [mailto:[email protected]]Sent: Thursday, March 23, 2017 1:21 PMTo: [email protected]; [email protected]: Extension Request for Complaint Received [ ref:_00D50JV5F._50050sxvyb:ref ]Dear Ctaherine, Comenity Bank received...
the complaint ID# 12035327 for Cherylann Falcone. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 04/03/2017. Please let me know if this extension date is not approved. Thank you,Laura RhoadesCompliance Dept. - Consumer ResponsesLaura RhoadesCustomer Response Advocate, Complaints Management | Compliance Comenity Capital Bank3095 Loyalty Circle, Columbus, OH 43219Office: (800) 820-8932
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the telephone calls received from Comenity Bank. Comenity Bank issues various credit card accounts, and we are here to assist with your concerns. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to assist you. We understand from your complaint that you have been receiving telephone calls from Comenity Bank regarding a matter not related to you. You indicate that you do not have an account with Comenity Bank, and you are requesting that the Bank stop calling you at the telephone number ending in [redacted]. I am happy to share my findings with you. Please be assured that the Bank has honored your request to cease all phone calls to the telephone number ending in [redacted], regarding the matter unrelated to you. If you are receiving phone calls from the Bank on a different telephone number, regarding a matter not related to you, please do not hesitate to contact us directly. We hope you find this information helpful. Please accept our apology for any inconvenience that you may have experienced regarding this matter. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
Dear [redacted]We received your complaint regarding the above-referenced credit card account. Comenity Bankissues multiple credit card accounts, and we are here to help answer your account-relatedquestions. Your complaint, addressed to the Revdex.com, was forwarded to myattention, and...
I appreciate the opportunity to respond to your concerns.In your complaint, you state that there is an inquiry from the Bank on your credit bureau report inMay 2015. You further state that you have been a victim of identity theft, and that this inquiry isfraudulent. You are requesting that we remove the inquiry from your credit bureau report.To better assist you, we need additional information to locate the account(s) in question. Pleaseprovide the following:? Complete Comenity Bank Account Number(s)? The brand name the credit card is for? Social Security Number? Any previous addressesThis information can be mailed to the address listed above, or faxed to my attention at ###-###-####.I hope you find this information to be helpful. Should you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Woman Within@ credit card accounts, 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 that you are receiving phone calls and letters fromComenity Bank regarding an amount due, and you would like these communications to stop.You state that you sent in proof of payment, but we continue to advise you that we neverreceived that payment.Regarding the phone calls you are receiving, please understand that when the Bank's recordsshow an account as delinquent, the Bank will make attempts to contact you regard~ngth e statusof the account. Many times a payment is overlooked by the customer, and a reminder call ishelpful to bring the account back to a current status. Due to potential negative ramifications forour customers if an account remains delinquent. Comenity Bank may call you until our attemptto communicate is successful.The telephone numbers ending in [redacted], and [redacted], were shown as possible numbers to contactyou, in an attempt to resolve the balance on your Woman Within@ credit card account. Per yourrequest, we have updated the telephone numbers on the account to ensure that you are nolonger receiving telephone calls from Comenity Bank regarding your Woman Within@ credit cardaccount. However, the Bank may contact you by mail, or service of court filing, which would bein compliance with state and federal law. We can assure you that Comenity Bank follows alllocal, state, and federal laws.Please be advised that the Woman Within@ account was opened on December 27, 2013. Thelast purchase of $7.50 was made on December 26, 2014, and the last payment of $62.68 wasreceived on July 14, 2015. The account balance, as of the date of this letter, is $396.45.Also, upon reviewing your proof of payment, it indicates you processed a payment for $380.65on April 9, 2015. Please be advised, this payment was made through a website calledChargesmart.com, which is a third party payment website. This payment was not made throughour online Account Center. Please be assured, we have researched the information youprovided; however, you would need to contact Chargesmart.com about this payment, as we areunable to locate this payment in our system. Chargesmart.com should be able to trace thepayment and provide us with the electronic transmittal information.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**
in the complaint I made apparently I did not clarify that a payment was NOT made on 10-17-2017.... I did not make a payment until I spoke with representatives from comenity to dispute the balance.... I later made a payment of 393 after speaking with representatives who urged me to make a payment so that I wouldn't have any late fees. I ended making the 393 payment on 11-27-2017... so just to clarify the payment of 265 in sept, no payment in October and then 393in November.
I just left the Samuel store location, and spoke with the management and he was no help what so ever, thought all there mistakes an total confusion with me as a consumer, there forcing me to purchase the item, however I took the item and I refuse to shop or have any dealings with this merchants again. I am very unsatisfied.
Dear [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. Your complaint was forwarded to my attention, and...
I appreciate the opportunity to assist you. You complaint states that you have not received your billing statements and your account has been charged multiple bank fees. You have also stated that after speaking to a Bank associate and making payment you were advised that the account would be current through “the next month”, which would have been August, however, you were called again regarding a past due payment. You indicated that you lost your job and cannot make the payments consistently, and state that we have been unwilling to work with you. You are asking that the Bank cease from billing you more fees than your monthly payment amount. Bank records indicate that your Victoria’s Secret/PINK account has been enrolled in paperless statements since June 25, 2013, and the billing statements are being sent to the email address of [redacted], which matches the email address in your complaint. We have no record that the statements were returned as undeliverable. A billing statement was issued to you on May 15, 2015, reflecting a balance of $1,315.73 and a minimum payment of $65.00 due on June 10, 2015. As payment was not made for the June or July 10 payment due dates, your account was assessed late fees and finance charges. Additionally, the account was reported delinquent 30 days to the credit reporting agencies. Enclosed are the billing statements for your records. Please note that per the Bank’s Credit Card Agreement (CCA), the repayment for your Victoria’s Secret/PINK account is 5% of the balance. Additionally, your account Annual Percentage Rate (APR) is 24.99%. If the payment is not made, made after the due date, or made for less than the required minimum due, the account will be assessed a late fee and a finance charge. We have reviewed the applicable telephone calls you had with the Bank. On July 15, 2015, our records show that your account minimum payment due was $130.00, for the June 10 and July 10 payment due date. The Bank’s associate did accept a $65.00 payment by phone and advised that no further payment would be due until the following month. Additionally, the associate issued a $35.00 late fee credit to your account. We apologize for the incorrect information you were provided during this call, and we assure you that we have coached our associate regarding this matter. During the telephone call with the Bank associate on July 21, 2015, our associate explained why the account was still past due and offered to enroll you into one of the Bank’s re-payment programs, which would allow you to make payments of $80.00 for three months, and after the third month, the account would be brought current. The associate also offered to remove you from the paperless billing statements, which you opted to stay enrolled. You refused repayment option and advised the associate that you would figure out making the payment on your own, and then you disconnected the telephone call. Based on our findings and, in the interest of customer service, please be assured that we have brought your account up to date and out of the past due status. We have also removed an additional $35.00 late fee, which will reflect as a credit on your August billing statement, and we removed the 30-day delinquency. The delinquency removal will update with the credit reporting agencies within 45 days. In addition, during the review of the telephone calls, you had stated that your credit limit was $2,000.00 and wanted to know why it was lowered. Bank records do not indicate that your credit limit was ever this amount. Our records further show that your previous credit limit from August 2014 was $850.00. However, you were given a credit limit increase on February 12, 2015, to $1,250.00. We sincerely apologize for the frustration and inconvenience you have been caused, and we hope this information is helpful. Should you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Shawnda Y[redacted] [redacted]
Dear [redacted]:Comenity Bank has received your correspondence regarding the above-referenced account. ComenityBank issues the BrylaneHome credit card. We are here to answer your questions and assist with yourconcerns.We understand that when placing an order with BrylaneHome, you were advised to...
call and make apayment. When you attempted to make contact you waited two hours to speak to a manager, but were notable to reach anyone, so you hung up. You mailed in a $50.00 payment, but have not received any formof acknowledgment for the payment, nor whether there is a balance or not. You are requesting to speak toa manager.I attempted to contact you on February 1, 2017, at the number ending in [redacted], to advise you of my findings.Unfortunately, my attempt was unsuccessful.Please understand that Comenity Bank and BrylaneHome are two separate entities. Comenity Bank isresponsible for addressing questions related to your credit card account, while BrylaneHome is responsiblefor handling matters related to sales, merchandise processing, returns, and shipping.Bank records indicate an order in the amount of $210.96 posted to your account on February 3, 2017. Your$50.00 payment was applied to the account on January 25, 2017. Therefore, as of the date of this letter,the balance on the account is $160.96, with a minimum payment of $20.00, due on March 3, 2017.If you have any questions about your order, we suggest that you contact BrylaneHome Catalog CustomerService directly at ###-###-####. They will be happy to assist you.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,
Dear [redacted]:Thank you for the recent complaint, addressed to Revdex.com. Comenity Capital Bank issue multiple retailer credit card accounts, and we respond to account-related inquiries. Your complaint, sent on behalf of [redacted], was forwarded to my attention, and I...
appreciate this opportunity to assist you.In your complaint you state that your mother, [redacted], should have a zero balance. I understand your concerns and I apologize for any frustration this may have caused you.After reviewing Ms. [redacted]’s account, our records show that the account is in the name of [redacted] and we do not have permission to speak to anyone else regarding her account. As you are not the accountholder, please be advised that in order to respond to you directly regarding Ms. [redacted]’s account, we would need her permission to disclose account information to you.Ms. [redacted] may contact our Customer Care department at ###-###-#### to have her account noted that we are able to speak to you regarding her account.Additionally, we have sent a direct response to Ms. [redacted] regarding the account details.We apologize for any inconvenience this matter may have caused you. 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]
Dear [redacted] Comenity Bank (Bank) has received your correspondence. We are here to answer your questions and assist with your concerns. We would like to assist you in resolving this matter. Unfortunately, we are unable to locate the account you are referencing in your...
correspondence based on the information provided. In order to investigate your concerns, please provide your account number, copies of your billing statements, and/or a copy of your credit bureau report showing your account. Once this information has been received, we will be able to further investigate. Please send this information to my attention at the address shown above. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Rosa M[redacted]
Dear [redacted]:Comenity Bank (Bank) received your correspondence regarding the above-referenced account.Comenity Bank issues the DSW Rewards Visa credit card. We are here to answer your questions andassist with your concerns.Your correspondence states there are two late payments reflected on your account; however, whenyou checked your account balance through the Bank’s Interactive Voice Response (IVR) system inJuly and August 2017, you were advised your account had a zero balance. You state you called theBank and attempted to discuss the matter with multiple associates, but the associates were abusiveto you and the matter was not resolved. You indicate that you requested a new credit card becauseyour previous credit card number was compromised, and the representative you spoke with advisedthat you made a $10.97 purchase on June 11, 2017, and there were two late fees on your account.You state that you received a birthday gift card and returned to DSW to have your previous purchaseadjusted using the gift card. You mention that you attempted to use your credit card in the store and itwas rejected, even though the credit limit had not been reached. Additionally, you state you did notreceive your monthly billing statements. You are requesting for the late fees to be removed and foryour account to be closed.We reviewed the concerns noted in your correspondence and would like to provide the followinginformation. A review of your account shows a purchase in the amount of $10.97 was made using theaccount on June 11, 2017. Your June 2017 billing statement showed a total balance of $10.97 with aminimum payment of $10.97 due by July 18, 2017. No payments have been received by the Banksince August 2, 2016; as a result, late fees and minimum charges totaling $59.91 were assessed tothe account. Please keep in mind that when payments are not received, are made for less than theminimum required, or are received after the due date cut-off time, the account will be assessed a latefee, as explained in the Credit Card Agreement.On September 14, 2017, you contacted the Bank regarding the above-mentioned fees and as a onetimecourtesy, the representative you spoke with applied a late fee credit of $17.97 and a financecharge credit of $1.54 to the account. These credits are reflected on your September 2017 billingstatement.Please note that the available credit on your account was suspended in September 2017 due todelinquency. The suspension prevents you from making purchases until the account is brought backto a current status. The account is currently three billing cycles past due and was closed, per yourrequest, on September 14, 2017.In regard to your statement about the IVR system advising your account had a zero balance in July2017 and August 2017, we reviewed the Bank’s IVR records and were not able to locate any instanceswhere you called the IVR system regarding your DSW Rewards Visa account during the months ofJuly 2017 or August 2017. Your account balance for the July 2017 billing cycle was $23.94 and youraccount balance for the August 2017 billing cycle was $43.91. These balances wrtr accuratelyreflected in the IVR system.With respect to your statement about Bank associates treating you in an abusive manner, we reviewedthe applicable telephone conversations and did not identify any instances of inappropriate orunprofessional behavior on the part of any Bank associates; however, we apologize if you felt you didnot receive the best customer service. We never intend to treat our customers in a less-than satisfactorymanner. We are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not met.Upon receipt of your correspondence, we contacted DSW regarding the birthday coupon discount,and verified that, on July 7, 2017, a DSW associate applied a birthday coupon discount in the amountof $5.00 to one of your purchases. A credit in the amount of $5.51 (birthday coupon discount + tax)was issued to your Mastercard ending in [redacted]. This account is not associated with your DSW RewardsVisa account. Please note that since the credit for the birthday coupon discount was issued to yourMastercard ending in [redacted], the balance on your DSW Rewards Visa account was not impacted, andthe $10.97 purchase amount remained on the account.In regard to your statement about not receiving your monthly billing statements, your account wasregistered through our online Account Center on March 30, 2016, which provides account holders theability to view statements and make payments online. On the same date, you enrolled in paperlessstatements, meaning you would receive your statements online versus postal mail. When enrolled inpaperless statements, we send you a monthly Statement-Ready Email (SRE) notifying you thestatement is available to be viewed. The last SRE was sent on September 26, 2017, and we do nothave record of any emails being returned as undeliverable from the email address you provided.Please note your enrollment in paperless statements was cancelled, per your request, on September14, 2017. Going forward, paper billing statements will be sent to the address on file for your account,until the balance is paid in full.Finally, if you believe the above-mentioned credit card account number has been compromised,please contact our Account Protection team at (800) 888-1726 and they will be happy to investigateany potential fraud on your account.While we understand your frustration, we respectfully decline to credit any additional late fees on youraccount. We have determined the account balance is accurate and no additional adjustments areneeded. As of the date of this letter, your account balance is $51.37 with a minimum payment of $31.40due by October 18, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Jessica A[redacted]Compliance Dept. – Consumer Responsescc: Consumer Financial Protection Bureau
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank previously issued Value City Furniture credit card accounts, and we respond to account-related questions. ...
Your correspondence was forwarded to my attention, and I appreciate the opportunityto respond to your concerns. We understand from the correspondence that the Value City Furniture account that you were previously listed as an authorized buyer has been reporting negatively on your credit report and you would like the information removed. We apologize for the inconvenience and frustration you may have experienced due to this situation.A review of the reporting did indicate some discrepancies. Instructions were sent to the national credit-reporting agencies to delete above mentioned account in its entirety from your credit report. Please allow the credit reporting agencies 45 days to update their records.We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you.Sincerely, Ashley H[redacted]
Dear Ms. [redacted]We recelved your complaint, addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues Brylane Home@ credit card accounts, and we are here to assist you withall account-related questions or concerns. I appreciate the opportunity to respond to...
your concerns.We understand from your complaint that you would like your purchases verified, as you are disputing thebalance and credit reporting. You have also requested we cease calling you.Thank you for speaking with me on June 3, 2015. 1 have since attempted to contact you, by telephone, todiscuss additional information, on several occasions. I sent a letter to you by mail dated June 24, 2015.asking you to contact me in reference to a previous complaint, on behalf of [redacted] My attemptshave been unsuccessful. I am happy to share my findings.I have spoken to BrylaneHome on your behalf, and they have provided receipts for the purchases thatwere processed to your BrylaneHoma credit card account These receipts are enclosed for yourrecords, as well as copies of the billing statements which show the account actlvity that comprised theaccount balance and delinquencies which are reporting to the credit bureaus. Several orders wereshipped to a person other than yourself at an alternate address. If you do not recognize any of theseorders. please contact our Account Protection team at ###-###-####.Additionally, per your request, we have updated the status on the account, to ensure that you no longerreceive telephone calls from Comenity Bank. However, the Bank may contact you by mail, or service ofcourt filing, which would be in compliance with state and federal law.If you have further quest~ons regarding the charges and credits applied to your account, please contactBrylaneHome at ###-###-####.You are a valued customer, and we sincerely apologize for the frustration and inconvenience this mattermay have caused you. Should you have any further questions or concerns, please do not hesitate tocontact me at ###-###-####. ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assistyou.Sincerely,[redacted] Consumer Relations Specialist
Dear Ms. [redacted]Thank you for your recent complaint regarding the account noted above. Comenity Bank issues Peeblescredit cards and we are here to help with your account-related questions and concerns. Your complaint,addressed to the Revdex.com, was forwarded to my attention and I...
appreciate the opportunityto assist you.I understand from your complaint, that you added your husband [redacted], to your Peebtes credit cardaccount as an authorized buyer. As a result of you being hospitalized, your Peebles account becomedelinquent. You were unaware that the delinquencies were reported on your husband's credit report untilhe applied for a mortgage.In addition, you contacted the Bank on May 30, 2015, and attempted to rectify this matter. You were toldby Bank representatives that this matter would be resolved, and a resolution letter would be issued toyou. To date, this matter has not been resolved, nor have you received the requested resolution letter.You are requesting Cornenity Bank send a written apology and remove the derogatory information thatwas reported on [redacted]'s credit report regarding the Peebles account.Comenity Bank would like to apologize for any frustration and inconvenience this matter may havecaused you and your husband. We regret that the Bank provided incorrect correspondence to youregarding this matter. Please be assured, as of May 30, 2015, authorized buyer [redacted] has beenremoved from the Peebles credit card account. Also, notification has been issued to the national creditreportingagencies with instructions to remove the account, in its entirety, from [redacted]'s creditbureau report. Please allow the credit-reporting agencies 45 days to update their records.I hope you find this information to be helpful. Should you have additional questions or concerns aboutthis matter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would behappy to assist you.Sincerely,Geanine M[redacted]
Thank you for contacting Comenity Bank regarding the above-referenced account. As the bankthat issues Victoria’s Secret/PINK credit cards, we are here to help answer account-relatedquestions. Your complaint, submitted to the Revdex.com, was forwarded to myattention for review, and I...
appreciate the opportunity to assist you.We understand from your complaint that you were a victim of fraud, and that your account wasfraudulently charged for an unauthorized purchase of $270.82. After disputing the charge and itfinally being resolved, you still received statements which reflect late fees and finance charges.You state that you have not been able to get anyone to help you resolve this, and to get thecharges removed. Please accept our sincere apology for the frustration and inconvenience youhave experienced as a result of this situation.Bank records indicate that the charge for $270.82 was removed from the account on November17, 2015. Unfortunately, the previously assessed late fee and finance charge was not credited,which resulted in another late fee and finance charge. Please be assured that we have issuedcredits to the account totaling $67.82, which will result in a zero balance.In addition, because the account went delinquent, the account was reported as 30-days late tothe credit bureaus. Please be assured that we have removed the delinquency and this will updatewith the credit bureaus within 45 days.As requested, the Victoria’s Secret/PINK account was closed on November 14, 2015.Again, we sincerely apologize for your experience, and we hope this information is helpful. If youany further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you.Sincerely,
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution not what I hoped,but something is better than nothing.
Regards, [redacted]
They did not provide refund of $15 to my account.
Regards, [redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Cmenity Bank issues Woman Within credit card accounts, and we arehere to assist you with all account-related questions. I appreciate the opportunity to respond toyour concerns.We understand...
from your complaint that you were recently represented by an attorney that wasthrown in jail due to a serious crime he committed against his clients. You then notified theBank of the situation and paid $400.00, and asked for statements to be sent to you by mail.You state you never received statements. and you were unable to pay online. In December,you paid three months' worth of payments plus late fees. You are concerned your balance isincorrect. You state you were previously advised that your credit bureau is reflecting that theaccount was included in a bankruptcy.Thank you for speaking with me on January 28,2016. Below is a summary of our conversationand information regarding the BanKs actions in regard to this matter.On June 12, 2015. the Bank received notification from [redacted] that you weretheir client and that we were to cease and desist communication with yw. Additionally, theyrequested to have any future correspondence directed to the law firm. To comply with thisrequest, a cease and desist status was placed on your account and the law firm's address wasadded to the account so all correspondence, including billing statements, would be sent to thelaw firm.On January 13, 2016, the Bank received your letter, dated December 30, 2015, advising us ofthe situation regarding [redacted] and that you were no longer beingrepresented by them. As such, the attorney's information was removed from your account, andthe cease and desist they ordered, was removed. Please be assured that all correspondencewill be directed to you.On December 9, 2015, the Bank issued credits for previously assessed late fees totaling$105.00. As the Bank finds the balance to be valid, we are unwilling to refund any furthercharges pertaining to the balance. Enclosed please find your billing statements which show theaccount activity that comprised the account balance.Please keep in mind when payments are not received, are received aRer the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement.As of the date of this letter. the Woman Within@ account has a balance of $809.50.To provide the best customer service possible, please note the following ways in whichpayments may be made. Choose a payment method that is right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (En can be credited to youraccount the same-day. Online payments submitted after 8:00 p.m. ET will be credited thefollowing day (or on your future scheduled payment date). Please note that it may take up to twobusiness days to wmplete the financial transfer from your personal bank account to yourWoman Within@ account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing a week for the payment to arrive. If 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 payment the same-day, you may call us at the phone number on the badof your billing statement to speak to a Customer Care representative. A fee may apply to samedaypayments made with the representative.When we spoke you stated that we advised you that we were unable to process your paymentsvia telephone, because of the attorney representation. Please be advised we received twopayments processed via telephone while attorney representation was on the account. OnAugust 3, 2015, we received your payment of $400.00, and December 8. 2015, we receivedyour payment of $150.00. Phone payments are an available option for you.Comenity Bank is required by law to report factual data to the credit-reporting agencies withregard to account activity. At this time, Comenity Bank finds no errors in I k reporting of youraccount to the credit bureaus. Also, please be assured that Comenity Bank is not reporting anybankruptcy for the account.I hope you find this information to be helpful. If you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
From: Laura Rhoades [mailto:[email protected]]Sent: Thursday, March 23, 2017 1:21 PMTo: [email protected]; [email protected]: Extension Request for Complaint Received [ ref:_00D50JV5F._50050sxvyb:ref ]Dear Ctaherine, Comenity Bank received...
the complaint ID# 12035327 for Cherylann Falcone. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 04/03/2017. Please let me know if this extension date is not approved. Thank you,Laura RhoadesCompliance Dept. - Consumer ResponsesLaura RhoadesCustomer Response Advocate, Complaints Management | Compliance Comenity Capital Bank3095 Loyalty Circle, Columbus, OH 43219Office: (800) 820-8932
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the telephone calls received from Comenity Bank. Comenity Bank issues various credit card accounts, and we are here to assist with your concerns. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to assist you. We understand from your complaint that you have been receiving telephone calls from Comenity Bank regarding a matter not related to you. You indicate that you do not have an account with Comenity Bank, and you are requesting that the Bank stop calling you at the telephone number ending in [redacted]. I am happy to share my findings with you. Please be assured that the Bank has honored your request to cease all phone calls to the telephone number ending in [redacted], regarding the matter unrelated to you. If you are receiving phone calls from the Bank on a different telephone number, regarding a matter not related to you, please do not hesitate to contact us directly. We hope you find this information helpful. Please accept our apology for any inconvenience that you may have experienced regarding this matter. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
Dear [redacted]We received your complaint regarding the above-referenced credit card account. Comenity Bankissues multiple credit card accounts, and we are here to help answer your account-relatedquestions. Your complaint, addressed to the Revdex.com, was forwarded to myattention, and...
I appreciate the opportunity to respond to your concerns.In your complaint, you state that there is an inquiry from the Bank on your credit bureau report inMay 2015. You further state that you have been a victim of identity theft, and that this inquiry isfraudulent. You are requesting that we remove the inquiry from your credit bureau report.To better assist you, we need additional information to locate the account(s) in question. Pleaseprovide the following:? Complete Comenity Bank Account Number(s)? The brand name the credit card is for? Social Security Number? Any previous addressesThis information can be mailed to the address listed above, or faxed to my attention at ###-###-####.I hope you find this information to be helpful. Should you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Woman Within@ credit card accounts, 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 that you are receiving phone calls and letters fromComenity Bank regarding an amount due, and you would like these communications to stop.You state that you sent in proof of payment, but we continue to advise you that we neverreceived that payment.Regarding the phone calls you are receiving, please understand that when the Bank's recordsshow an account as delinquent, the Bank will make attempts to contact you regard~ngth e statusof the account. Many times a payment is overlooked by the customer, and a reminder call ishelpful to bring the account back to a current status. Due to potential negative ramifications forour customers if an account remains delinquent. Comenity Bank may call you until our attemptto communicate is successful.The telephone numbers ending in [redacted], and [redacted], were shown as possible numbers to contactyou, in an attempt to resolve the balance on your Woman Within@ credit card account. Per yourrequest, we have updated the telephone numbers on the account to ensure that you are nolonger receiving telephone calls from Comenity Bank regarding your Woman Within@ credit cardaccount. However, the Bank may contact you by mail, or service of court filing, which would bein compliance with state and federal law. We can assure you that Comenity Bank follows alllocal, state, and federal laws.Please be advised that the Woman Within@ account was opened on December 27, 2013. Thelast purchase of $7.50 was made on December 26, 2014, and the last payment of $62.68 wasreceived on July 14, 2015. The account balance, as of the date of this letter, is $396.45.Also, upon reviewing your proof of payment, it indicates you processed a payment for $380.65on April 9, 2015. Please be advised, this payment was made through a website calledChargesmart.com, which is a third party payment website. This payment was not made throughour online Account Center. Please be assured, we have researched the information youprovided; however, you would need to contact Chargesmart.com about this payment, as we areunable to locate this payment in our system. Chargesmart.com should be able to trace thepayment and provide us with the electronic transmittal information.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**
in the complaint I made apparently I did not clarify that a payment was NOT made on 10-17-2017.... I did not make a payment until I spoke with representatives from comenity to dispute the balance.... I later made a payment of 393 after speaking with representatives who urged me to make a payment so that I wouldn't have any late fees. I ended making the 393 payment on 11-27-2017... so just to clarify the payment of 265 in sept, no payment in October and then 393in November.
facts are wrong and the greedy company still never tried to solve my problem with them. Show proof and tell the truth
Regards,
[redacted]