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]
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]
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 [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]
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]
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
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,
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
I filed a complaint with Revdex.com, 04/15, against Comenity Bank/Brylane Home regarding purchases that I did not make on my Brylane Account. Acct.#[redacted]. Comenity Bank submitted a large package of documents to me that did not meet my request to have verification of the purchases that they claim I made and owe for the items. No document of their purchase claim was included.I will submit the documents Comenity Bank sent to me, if Revdex.com requires them.I would like to pursue this matter, until a resolution has been reached and cleared off of my credit report.Thank you in advance for your assistance with this matter.[redacted]
Commenity Bank has yet to post charges of what was purchased, what was returned, and payments made. They have NO idea why they showed a balance due, when HSN shows my account was paid and up to date.
Also, I never agreed to allow my husband [redacted] to purchase anything on my account. He did purchase a computer for me for Christmas, but has a different number for his bank card and it also shows his account was paid in full.
Commenity Bank refuses to give a detailed list of charges, purchases, refunds, and payments which would show a difference in what I feel I owed them. The account was paid in full, ONLY to make sure they did not destroy my good credit rating.
Regards,
[redacted]
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.
February 9, 2017 [redacted]
[redacted]
[redacted]
* RE: [redacted]
[redacted]...
[redacted] Dear Jennifer S[redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand the concerns noted in your correspondence, regarding not receiving your monthly billing statement for December 2016. We also understand you are requesting the additional late fee removed from your account. On January 30, 2017, the Bank removed the first late fee in the amount of $27.00 from your account. Although there are no Bank errors, in the interest of customer service, we have issued credit for an additional late fee of $27.00, along with the finance charge of $1.00. A total of $55.00 in fees has been removed from your account. These adjustments have created a credit balance of $28.00 on your account. The credit balance will be returned to you, under separate cover, via refund check. Please allow 14 business days for the refund check to arrive. Please find enclosed copies of all billing statements that have been issued on your [redacted] credit card. Additionally, at your request, the account was closed on February 8, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, [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**
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]
Dear Ms. [redacted]: Thank you for contacting Comenity Capital Bank. As the bank that issues HSN credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to...
assist you.We understand from your complaint that your HSN account was set up on a payment plan; however, due to the passing of your son, and only receiving short-term disability, you were unable to maintain the arrangements. We further understand that you were notified that the account was closed and would be sent to a collection agency. After speaking with a Bank representative, the only payment plan available was a three month arrangement to pay the balance in full. You state that the Bank representatives are rude and refuse to make reasonable arrangements on the above-noted account. Please note that you are a valued customer, and we are truly sorry to hear about the passing of your loved one. After a thorough investigation, Bank records confirm on July 1, 2014, the HSN account was enrolled in our Customer Hardship Program. This program provides customers with six to twelve months of special terms in order to bring and keep their account current. On July 3, 2014, a confirmation letter outlining the terms of enrollment and the stipulations regarding the termination of the program was mailed to your address. Specifically, you were notified if two consecutive payments or three total payments were missed, the HSN account would be terminated from the program. Please understand that Comenity Capital Bank categorizes returned checks as missed payments. Enclosed, please find a copy of this letter, for your review.Our records further indicate on July 1, 2014, you contacted our office to change the banking information previously provided. On November 3, 2014, December 3, 2014, and January 3, 2015, the Bank attempted to withdraw three payments of $25.00 each from your checking account; however, on November 7, 2014, December 9, 2014, and January 8, 2015, these payments were returned by your financial institution, due to insufficient funds. As a result, the payments were added back into the HSN account balance, and the account was removed from the Hardship Program, due to unsuccessful completion. On September 7, 2015, the HSN account wrote-off, due to non-receipt of payment, with a balance of $1,014.14. The account is currently being managed by our Recovery Team. To discuss suitable payment arrangements, we recommend that you contact our Recovery Team at ###-###-#### (TDD/TTY ###-###-####) for further assistance.Lastly, your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns. Comenity Capital Bank is committed to providing the best customer service, and it is never our intentions to treat our customers in a less-than-satisfactory manner. Calls and letters of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed.We hope you find this information helpful. Should you have any further questions regarding the account, please contact our Recovery Team at the number listed above. They will be happy to assist you.Sincerely,Lauren S[redacted]
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]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccount. Comenity Bank issues VICTORIA'S SECRET credit card accounts, and weare here to help answer your account-related questions. Your complaint, was forwarded to myattention,...
and I appreciate the opportunity to assist you.We understand that you requested to settle your account balance in April 4, 2016, in the amountof $477.89, and you were to receive a letter indicating the account was paid, closed, and reportedto the credit bureaus within 45 days. After three months the changes have not been made andyour credit report continues to reflect an unpaid balance. You are requesting the Bank correctyour credit report.Bank records indicate that the account was permanently closed as an unpaid debt on May 15,2015, and was sent to a third party collection agency, Professional Bureau of Collections. Afterfurther research, please be assured that we have asked them to return the account to ComenityBank, and we updated our records with a "Closed Settlement" notation. Additionally, the nationalcredit-reporting agencies have been made aware of the changes that need to be made on yourcredit report. Please allow them up to 45 calendar days to update their records.You may keep this letter as confirmation of the settlement for your records.We sincerely apologize for the inconvenience this matter may have caused you. If you have anyfurther questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. As the bank that issues VICTORIA’S SECRET credit cards, we are here to help answer all account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you. We understand your concerns regarding the late fee and the credit-reporting information for your VICTORIA’S SECRET account. We also understand that you believed you were set up on auto payments, but found that the payments are a one-time payment scheduled on the Bank’s Account Center. Please accept our apology for any confusion or inconvenience this may have caused. After a thorough investigation of the VICTORIA’S SECRET account, our records indicate that you logged into Account Center on August 7, 2016, and updated your personal banking information. As VICTORIA’S SECRET does not offer an auto payment option online, you were not enrolled in auto payments. As you are enrolled to receive paperless statements; since March 30, 2016, you were sent a statement ready email notification on August 21, 2016, and September 20, 2016. The emails were sent to the email address you provided at registration; [email protected]. Your August statement reflected a balance of $40.56 for the purchase you made on August 12, 2016. A payment for $27.00 was due by September 12, 2016. As payment was not received, the account was charged a late fee of $27.00. On September 30, 2016, you logged into Account Center and scheduled a payment for $68.56, which included the late fee charge. As of today’s date, the account balance is zero. Please be assured that although the payment was late, it was not 30 or more days late; therefore, Comenity Bank has not reported the VICTORIA’S SECRET credit card account as delinquent to the credit-reporting companies. You are a valued customer and we hope you found this information to be helpful. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Shawnda Y[redacted]
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]
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]
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 [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]
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]
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
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,
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
I filed a complaint with Revdex.com, 04/15, against Comenity Bank/Brylane Home regarding purchases that I did not make on my Brylane Account. Acct.#[redacted]. Comenity Bank submitted a large package of documents to me that did not meet my request to have verification of the purchases that they claim I made and owe for the items. No document of their purchase claim was included.I will submit the documents Comenity Bank sent to me, if Revdex.com requires them.I would like to pursue this matter, until a resolution has been reached and cleared off of my credit report.Thank you in advance for your assistance with this matter.[redacted]
Commenity Bank has yet to post charges of what was purchased, what was returned, and payments made. They have NO idea why they showed a balance due, when HSN shows my account was paid and up to date.
Also, I never agreed to allow my husband [redacted] to purchase anything on my account. He did purchase a computer for me for Christmas, but has a different number for his bank card and it also shows his account was paid in full.
Commenity Bank refuses to give a detailed list of charges, purchases, refunds, and payments which would show a difference in what I feel I owed them. The account was paid in full, ONLY to make sure they did not destroy my good credit rating.
Regards,
[redacted]
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.
February 9, 2017 [redacted]
[redacted]
[redacted]
* RE: [redacted]
[redacted]...
[redacted] Dear Jennifer S[redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand the concerns noted in your correspondence, regarding not receiving your monthly billing statement for December 2016. We also understand you are requesting the additional late fee removed from your account. On January 30, 2017, the Bank removed the first late fee in the amount of $27.00 from your account. Although there are no Bank errors, in the interest of customer service, we have issued credit for an additional late fee of $27.00, along with the finance charge of $1.00. A total of $55.00 in fees has been removed from your account. These adjustments have created a credit balance of $28.00 on your account. The credit balance will be returned to you, under separate cover, via refund check. Please allow 14 business days for the refund check to arrive. Please find enclosed copies of all billing statements that have been issued on your [redacted] credit card. Additionally, at your request, the account was closed on February 8, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, [redacted]
[redacted]
[redacted]
[redacted] Tell us why here...
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**
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]
Dear Ms. [redacted]: Thank you for contacting Comenity Capital Bank. As the bank that issues HSN credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to...
assist you.We understand from your complaint that your HSN account was set up on a payment plan; however, due to the passing of your son, and only receiving short-term disability, you were unable to maintain the arrangements. We further understand that you were notified that the account was closed and would be sent to a collection agency. After speaking with a Bank representative, the only payment plan available was a three month arrangement to pay the balance in full. You state that the Bank representatives are rude and refuse to make reasonable arrangements on the above-noted account. Please note that you are a valued customer, and we are truly sorry to hear about the passing of your loved one. After a thorough investigation, Bank records confirm on July 1, 2014, the HSN account was enrolled in our Customer Hardship Program. This program provides customers with six to twelve months of special terms in order to bring and keep their account current. On July 3, 2014, a confirmation letter outlining the terms of enrollment and the stipulations regarding the termination of the program was mailed to your address. Specifically, you were notified if two consecutive payments or three total payments were missed, the HSN account would be terminated from the program. Please understand that Comenity Capital Bank categorizes returned checks as missed payments. Enclosed, please find a copy of this letter, for your review.Our records further indicate on July 1, 2014, you contacted our office to change the banking information previously provided. On November 3, 2014, December 3, 2014, and January 3, 2015, the Bank attempted to withdraw three payments of $25.00 each from your checking account; however, on November 7, 2014, December 9, 2014, and January 8, 2015, these payments were returned by your financial institution, due to insufficient funds. As a result, the payments were added back into the HSN account balance, and the account was removed from the Hardship Program, due to unsuccessful completion. On September 7, 2015, the HSN account wrote-off, due to non-receipt of payment, with a balance of $1,014.14. The account is currently being managed by our Recovery Team. To discuss suitable payment arrangements, we recommend that you contact our Recovery Team at ###-###-#### (TDD/TTY ###-###-####) for further assistance.Lastly, your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns. Comenity Capital Bank is committed to providing the best customer service, and it is never our intentions to treat our customers in a less-than-satisfactory manner. Calls and letters of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed.We hope you find this information helpful. Should you have any further questions regarding the account, please contact our Recovery Team at the number listed above. They will be happy to assist you.Sincerely,Lauren S[redacted]
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]
facts are wrong and the greedy company still never tried to solve my problem with them. Show proof and tell the truth
Regards,
[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccount. Comenity Bank issues VICTORIA'S SECRET credit card accounts, and weare here to help answer your account-related questions. Your complaint, was forwarded to myattention,...
and I appreciate the opportunity to assist you.We understand that you requested to settle your account balance in April 4, 2016, in the amountof $477.89, and you were to receive a letter indicating the account was paid, closed, and reportedto the credit bureaus within 45 days. After three months the changes have not been made andyour credit report continues to reflect an unpaid balance. You are requesting the Bank correctyour credit report.Bank records indicate that the account was permanently closed as an unpaid debt on May 15,2015, and was sent to a third party collection agency, Professional Bureau of Collections. Afterfurther research, please be assured that we have asked them to return the account to ComenityBank, and we updated our records with a "Closed Settlement" notation. Additionally, the nationalcredit-reporting agencies have been made aware of the changes that need to be made on yourcredit report. Please allow them up to 45 calendar days to update their records.You may keep this letter as confirmation of the settlement for your records.We sincerely apologize for the inconvenience this matter may have caused you. If you have anyfurther questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. As the bank that issues VICTORIA’S SECRET credit cards, we are here to help answer all account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you. We understand your concerns regarding the late fee and the credit-reporting information for your VICTORIA’S SECRET account. We also understand that you believed you were set up on auto payments, but found that the payments are a one-time payment scheduled on the Bank’s Account Center. Please accept our apology for any confusion or inconvenience this may have caused. After a thorough investigation of the VICTORIA’S SECRET account, our records indicate that you logged into Account Center on August 7, 2016, and updated your personal banking information. As VICTORIA’S SECRET does not offer an auto payment option online, you were not enrolled in auto payments. As you are enrolled to receive paperless statements; since March 30, 2016, you were sent a statement ready email notification on August 21, 2016, and September 20, 2016. The emails were sent to the email address you provided at registration; [email protected]. Your August statement reflected a balance of $40.56 for the purchase you made on August 12, 2016. A payment for $27.00 was due by September 12, 2016. As payment was not received, the account was charged a late fee of $27.00. On September 30, 2016, you logged into Account Center and scheduled a payment for $68.56, which included the late fee charge. As of today’s date, the account balance is zero. Please be assured that although the payment was late, it was not 30 or more days late; therefore, Comenity Bank has not reported the VICTORIA’S SECRET credit card account as delinquent to the credit-reporting companies. You are a valued customer and we hope you found this information to be helpful. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Shawnda Y[redacted]