Although I appreciate the Bank has informed me that as of the date of their letter to me of 4/14/17, my balance is zero, I do not feel comfortable closing my complaint until I know for a certainty my dispute is closed as well and that my balance will remain zero unless I make further purchases using my Loft Mastercard. The Bank stated in their letter as well on 4/14/17 that the dispute process may take up to 60 days for completion. I do not understand why this error, on the part of the Bank should take that long to resolve. It was made very clear in my 15 page fax which included the dispute form and receipts that it was clearly the Bank's error. If 3-store managers can quickly see the fault lies with Comenity Bank then why can't the Bank see this as well. If I close this complaint with the Revdex.com and Comenity Bank refuses to see their error then I have to start all over again. After all that Comenity Bank has put me through I just do not trust them until this situation is completely resolved; both my balance remaining at zero unless I use my Loft Mastercard and the dispute being closed and resolved to my satisfaction which would be that Comenity Bank closes this dispute, acknowledging it was their error.
Regards,[redacted]
Dear Ms. [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. I understand from your complaint that money is being taken out of your personal bank account. You do not have an account with Comenity Bank nor did you make any purchases. You are requesting that no more monies be debited from your bank account; due to you not knowing why these payments are being debited from your account. I am happy to share my findings with you. After a thorough review of our records, an Avenue credit card account was located in your name. Please find a summary of the Avenue account below. I have enclosed a copy of the account Credit Card Agreement (CCA), as well as copies of billing statements which show the account activity that comprised the account balance and delinquencies. The Avenue account was opened on May 10, 2014; use of the account or failure to close the account within 30 days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase of $250.00 was made on May 10, 2014, and the last payment of $150.00 was received on August 15, 2015, and the account is current. As of the date of this letter, the account balance is $425.29 with a minimum payment of $25.00 due on September 16, 2015. If you believe that this account was opened due to ID Theft, please complete the enclosed Identity Theft Victim’s Complaint and Affidavit please return the completed Affidavit, to our Account Control Department (Fraud) along with a copy of your driver’s license, and a written request for the application. Once this is information is received you will be notified by mail of the findings. Listed below is the address and telephone number for our Account Control Department: Account Protection (Fraud) Department 220 West Schrock Road Westerville, OH 43081 ###-###-#### (TDD/TYY ###-###-####) We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience. If you have any further questions regarding this letter, please contact me at ###-###-####, ext. [redacted]TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
the error in the account is yours. if somebody took the time it would take to accurately research this, you would see that there is no money on the account that is for merchandise. its all finance charges and late fees. thats it. I am a responsible person. if I make a mistake, I own it. you should do the same thing. you ignore the fact that I have repeatedly said I could not access my account via your web site. I therefore had statements sent via my bank, td bank. all the payments I made were of merchandise, and interest accrued on the merchandise. no money there is for merchandise. its interesting that you claim that [redacted] cant be the address on my statement, for reasons that boggle the mind, yet the letter you sent me has the address correct, [redacted]. the statement for december was received by me in february. this is as a result of your erroneously having my address as [redacted] they arent the same thing. you ask for my address and I give it to you. you should figure out a way to make the address the way the customer tells you. it is against the law to threaten me with negative information on my credit report history. if you continue this threat, if you do anything to my credit report, I will have no alternative but to report you to the FTC for violation of the fcba. youve already lost a customer. I will never shop in victoria's secret again. as a result of your actions, I no longer have a victoria's secret credit card. start doing the right thing. straighten out the mess youve made with this account. I will pursue this legally.
Regards,
[redacted]
I called the individual at the extension provided immediately upon receiving the communication and left my information and number that I could be reached at on her voicemail. My call was not returned...this is indicative of the service that Comenity has provided throughout the process of trying to settle my mother's estate. I have still been unable to pay this final bill after the account was passed to collection weeks ago as the collection company now indicates that the account is under review/research. If Comenity has given me any time at all between granting my access to the account and handing off to collection, this matter would be resolved.At this point, my preference would be to pay the balance, which has been doubled since the original purchase 2 weeks before my mother's passing, and to ensure that this matter is documented online for others to socialize how awful it is to deal with Comenity. I have searched other reviews and seen several other customers that Comenity has reached out to and asked to contact them to help with their case - it seems evident that comenity does this when Revdex.com gets involved with no real desire to assist, only to clear the complaint for public perception.
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Pier 1 Rewards credit card. We are here to answer your questions and assist with your concerns. We understand you have been working with a...
debt consolidation company to make your payments on your account. You state even though your account is being paid according to the contract, the Bank continues to report the account negatively. Additionally, the Bank is supposed to take the minimum payment according to the debt consolidation, and you are still being harassed for funds. You are requesting to have the account deleted from your credit report. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. Bank records indicate there have been no collection attempts made on your account since June 2017. After a review of the above-referenced account, we find you are enrolled in a Consumer Credit Counseling Program. The Bank accepted the terms of the repayment plan and your minimum payment is $10.00, due by the 1st of each month. On June 25, 2017, a letter was mailed to you confirming the Bank’s acceptance of your debt management repayment plan. Please note the confirmation letter states; if you pay less than the required amount for three consecutive payments, your account will revert to the original terms as disclosed in your Credit Card Agreement. This will include your account being moved back to the original Annual Percentage Rate and payment calculations and the reinstatement of any fees that were suspended during this program. We have enclosed a copy of this letter for your records. A billing statement was issued on July 6, 2017, with a balance of $317.54 and a minimum payment of $10.00 due by August 1, 2017. The August 2017 payment was not received. A billing statement was issued on August 6, 2017, with a balance of $320.25 and a minimum payment of $10.00 due by September 1, 2017. A payment of $5.68 was received on August 12, 2017. Please be advised when payments are not received, are received after the due date, or are made for less than the minimum required, the account is considered delinquent and will be reported as such. Please be aware, because the required minimum payment has not been received for two consecutive months, the account is in jeopardy of being removed from the debt management repayment plan. Please ensure a payment of $10.00 is received by October 1st, 2017, to maintain the account’s participation in the debt management plan. . We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. As such, we respectfully decline your request to have the account deleted from your credit report. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L[redacted]
Dear [redacted]We received a comptaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questions. The complaint, addressed to the Revdex.com, wasforwarded to my attention, and 1 appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint on April 14, 2015, regarding the same issue. We have enclosed a copy of ourprevious response for your records. Please be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY) ##########). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-notedaccount. Comenity Bank issues VICTORIA'S SECRET credit card accounts, and we arehere to answer your questions. The complaint was forwarded to my attention, and I appreciatethe opportunity...
to address your concerns.Please accept our sincere apology for the frustration and inconvenience you experienced, withregard to the application process and the hard inquiry on your credit profile. We understandyour concerns expressed in the complaint, and we appreciate you taking the time to contact theBank.Bank records indicate the account was opened on May 29, 2016, in the name of [redacted] The Bank determines credit approval in part or in whole of information returned fromthe credit bureau agencies.Please be assured, in the interest of customer service, notification has been sent to the credit-reportingagencies with instructions to delete the credit inquiry from your credit profile. Pleasenote that due to their compliance policies, the credit bureaus do not delete inquiries from aconsumer's credit bureau report. However, when the Bank requests that an inquiry beremoved, the credit bureaus will change it to a soft inquiry. This means that that inquiry onlyappears when the consumer pulls his or her own credit report. A soft inquiry does not appearon a consumer's credit report that is provided to a lender or any other authorized party, and itdoes not impact the consumer's credit score. Therefore, you will continue to see the inquiry onyour credit report, but it will not be visible to anyone else who may pull your credit report.As requested, your VICTORIA'S SECRET credit card account has been closed.I hope this information is helpful. If you have any further questions or concerns, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Woman Within credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that you ordered some boots...
from Woman Within, in which you sent back and then received another pair. You state that you sent the items back through the post office and you paid for the shipping. You are stating that you are owed $61.04, and you are requesting to receive all of your money back. We apologize for the inconvenience you have experienced regarding this matter. Please note that Comenity Bank and Woman Within are two separate entities. The Bank issues and is responsible for addressing questions related to the Woman Within credit card account, while Woman Within is responsible for handling matters related to sales, merchandise processing, returns, shipping. Bank records indicate that a return of $54.99 was applied to your account on February 9, 2017, which generated a total credit balance of $53.54. A credit balance refund check was sent on March 5, 2017. Please be advised that an additional adjustment has been made to your account for $7.50. A refund check in the amount of $7.50 has been requested and should be received within fourteen days. 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, Ashley H[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the abovenotedaccount. Comenity Bank issues Victoria's SecretlPlNK credit card accounts, and we arehere to help answer your account-related questions. 1 appreciate the opportunity to assist you.We...
understand from your complaint that you did not receive your monthly billing statement(s),which resulted in a [ate payment entry to your credit file. You state that even after updating yourinformation you still never received any statement(s) and you have always maintained an A+credit rating. You have requested that the Bank remove this late payment from your accounthistory and credit file.Bank records indicate that your account was enrolled in paperless statements and the monthlystatements were being sent to an email address of [redacted]. We have norecord of the statements being returned as undeliverable. Enclosed are the billing statementsfor your records.As payment was not received for the February and March 2015 billing periods, your accountwas reported as 30-days delinquent to the credit bureaus.Comenity Bank is required by law to report factual information to the national credit-reportingagencies. However, in light of this situation, the Bank is happy to compIy with your request.Therefore, notification has been sent to the national credit-reporting agencies with instructionsto remove the delinquency for March 2015, regarding your Victoria's SecretlPlNK account.Please allow them 45 days to update their records.We apologize for any inconvenience this matter may have caused you, and we hope thisinformation is helpful. Should you have further questions or concerns, please do not hesitate tocontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy toassist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted]:We have received the inquiry that you sent to the Consumer Financial ProtectionBureau regarding the above-noted account. Your correspondence was forwarded to theFederal Deposit Insurance Corporation (FDIC) and to Comenity Bank (Bank). ComenityBank issues the Love Loft credit card, and we are here to help answer your questions. Iappreciate the opportunity to assist you with your concerns.Your complaint indicates you made a payment to your Love Loft account on February19, 2015, in the amount of $38.37, and that payment was never applied to your account.You also state your credit union has confirmed that payment was received and cashedby us. Additionally, you state we have reported your account as being paid late to thecredit reporting agencies.On March 17, 2015, we received the initial dispute regarding the $38.37 payment in atelephone call from you. On March 19, 2015, we sent you a letter acknowledging yourdispute and asking for additional information to aid us in the investigation of this matter.On April 24, 2015, we sent you a followup letter advising that we had not received therequested information, so your dispute was being closed until we received the additionalinformation. We show no record of receiving the additional information that wasrequested in that letter or any other communication from you prior to July 15, 2015.We received information from you on July 15, 2015, advising us that you have askedyour bank to send over a copy of the front and back of the check that was cashed by usfor your account in the amount of $38.37. Once we receive a copy of the cashed checkfor $38.37 from your bank, we will continue our research of your payment dispute.As a courtesy, we have credited your account for all late fees and finance charges thatwere associated with the payment of $38.37. On your next billing statement, you willsee a late fee credit of $30.00, a finance charge credit of $1.98 and a finance chargecredit of $1.00. In addition, a late fee of $25.00 was credited to your account on June29, 2015, as reflected on your statement dated July 8, 2015.We have also updated the payment history on your Love Loft account to reflect theaccount as paid current with no delinquencies. Once we receive proof of the $38.37payment from your credit union, we will then apply that payment to your account.You also mentioned in your complaint that you are submitting your payments to yourcredit union bill payment system by the 1st of the month. However, the payments arenot being applied to your account until 4-6 days later, which is causing you to beassessed late fees and additional finance charges since your payment is due on the 3rdof each month.Please note Section D of your Credit Card Agreement (CCA) entitled “Interest, fees andcharges,” which was provided to you at the time your account was opened, states “[i]fyou don’t pay at least the Minimum Payment Due by the Payment Due Date, we willcharge you a late fee.” While the Bank understands payments placed in the mail mayhave been postmarked by the United States Postal Service prior to the payment duedate, the payment must be received by the Bank by the due date in order to avoid a latefee. Please also note additional payment options are identified for your convenience onthe back of each billing statement.We comply with Federal law, which requires that conforming payments received by 5:00p.m. be credited to the account as of that day. However, payments that do not conformto the requirements noted on the second page of your statements may take up to fivedays to be credited after receipt. For your reference, I have enclosed your July billingstatement with that information highlighted for you.Also, you indicate in your complaint that your credit union makes the payment to yourLove Loft account by sending a paper check through the U. S. Mail. You will need tosubmit your request for the payment to be made in time for your credit union to processyour request and for the United States Postal Service to deliver the check to us. Pleasebe sure the payments comply with the requirements on the back of your statement inorder to be assured of same-day crediting.I hope you have found this information to be helpful. If you have any questions orconcerns, please feel free to contact me at ###-###-####.Sincerely,Gabrielle G[redacted]
January 16, 2017[redacted]Dear [redacted]:Comenity Bank has received your correspondence regarding the above-referenced account. Comenity...
Bankissues The RoomPlace credit card account. We are here to answer your questions and assist with your concerns.Your complaint states that your account was charged a late fee and you contacted the Bank to have it removedand were advised that a credit would be issued to your account; however, the late fee was not credited to youraccount. You are requesting the Bank honor its word and issue a credit for the late fee that was assessed toyour account. I understand your concerns and apologize for any confusion or frustration this may have causedyou.Our records indicate a statement was issued to you on October 16, 2016, showing a balance of $671.72 and aminimum payment of $25.00 due by November 11, 2016. Please be advised the Bank did not receive a paymentby the due date and as a result, a late fee was assessed to your account.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. Bankrecords indicate you spoke with a Bank representative on December 2, 2016. During this call, you were advisedthe late fee was already credited to your account. We apologize for the incorrect information that was providedto you. Please be advised the Bank has issued a credit of $25.00 for the late fee that was previously assessedto your account. This credit will appear on your account within the next one-two billing statements.I hope you found this information to be helpful. If you have any further questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,[redacted]
Dear Mr. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Comenity Capital Bank issues Orbitz Rewards Visa@ accounts and we respondto all account-related questions. Your complaint was forwarded to my attention, and Iappreciate this...
opportunity to assist you.We understand from your compliant that the Bank closed your account shortly after you applied.You are asking that the Bank reopen the account or open a new account.Bank records indicate that your Orbitz Rewards Visa0 account was closed effective January 6,2016. The account was closed due to recent excessive inquiries on your credit report. Pleasenote the Bank may periodically review accounts to determine their eligibility to remain active, asexplained in the Credit Card Agreement (CCA). Please be advised the Bank is unwilling toreopen this account at this time.We sincerely apologize for any inconvenience this matter may have caused you and hope thatyou find this information to be helpful. Should you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Rosa M[redacted]
- I spoke with Comenity on the phone the day that I submitted this complaint. At the time, I was told that my account was no longer in dispute and that I would receive my refund within 20-21 days. My account still shows a credit of $550.09.----- If I am not owed the $550.09, as I originally thought, then Comenity at the very least should refund me the extra finance charges that I paid off. I also would like to see my July 2016 statement.-- There was no mail order sale on August 4 and no credit of that charge on August 10, 2016 on my account (see the attached excel document).-- The attached excel document and screenshots of my credit card activity shows that I was charged twice for the $550.09 order on the same day of March 17, 2016 - which is not what Geanine M[redacted] stated in her letter to this complaint.-- I now can no longer access my July 2016 statement online on the Comenity website. Every other statement is available between March and August except for July.The letter from Comenity does not accurately reflect the activity on my account. The business charged me finance charges on the double charge until July 26, 2016 when the $550.09 credit was issued.This has been an unnecessary nightmare dealing with Comenity and the company's unsavory business practices. The falsified details of my account in Geanine's letter is reflective of those practices.Regards,[redacted]
I submitted documents supporting the fact that my bank sent the payments in question and contacted the [redacted] bank that used to handle herbergers payments and received my payments. I was not aware that herbergers changed to comenitybank because [redacted] was forwarding payment to comenitybank but stopped. How am I to know this was happening? Also it's unfair they won't wait the 4-6 weeks it might take to get [redacted] to send the payments to them
Regards, [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand from your...
complaint that you lost your income and immediately contacted the Bank to advise of your financial issues. You state you requested to apply for the credit protection using the Account Assure insurance. You state you were informed initially that you didn’t have this benefit; however, it was listed on your monthly billing statements. You were informed by Account Assure to provide proof of your termination from your employer; which you did three times. Due to this matter your credit report has been impacted. You state that you were advised that the Bank and Account Assure would provide protection and debt cancellation; however, you feel this is false. You request your account back dated and the insurance you paid for, used to pay the account. You also request your credit report be updated or the tradeline deleted and late fees removed. I am happy to share my findings. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if there was any miscommunication. On your phone call to the Bank on June 15, 2016, you asked if there were any programs, you stated you believed that you were paying an insurance and you wanted to know what that covered. You were advised by the representative, regarding the Account Assure, that you would need to contact them directly and you were provided their telephone number. Please be advised that Account Assure is offered by a third party vendor AON. The account was enrolled in Account Assure on August 14, 2014. Account Assure is an optional debt cancellation program. The monthly fee is $1.99 per $100.00 of your outstanding balance. If there is no balance at billing, there is no charge. The Account Assure program was cancelled April 15, 2016, due to the accounts delinquent status. We contacted Account Assure, on your behalf, and they advised that they are still waiting on the final unemployment materials and paystubs. Until this information is received, they will not be able to finalize your claim. To speak with an agent please contact them directly at (866) 293-9210. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Due to no payments received for six consecutive billing cycles the account wrote off on February 13, 2017. The account was then sold on February 24, 2017, to Jefferson Capital. To set up suitable payment arrangements they can be contacted at (800) 281-2793. The Bank finds no error and no adjustment will be made to the account. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. ...⇄ Sincerely, Kaija Marshall Kaija Marshall Compliance Dept. – Consumer Responses cc: Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccounts. Comenity Bank issues the Victoria's Secret Angel, and LOFT credit cards. We are hereto answer your questions and assist with your concerns.You mentioned the Bank is reporting inaccurate information on your...
credit report; the Bank isreporting your Victoria’s Secret account as being $130.00 past due by 30 days. You state this isincorrect and your billing statements show different. The Bank has lowered your credit limit onboth of your accounts, and you have closed them both due to being concerned your credit willbe impacted. You would like both of your accounts reopened with their original terms.Please keep in mind that when payments are not received, are made for less than the minimumrequired, or are received after the due date cutoff time, the account will be assessed a late fee,as explained in the Credit Card Agreement (CCA).Your November 2, 2017, Victoria's Secret Angel billing statement had a balance of $2,374.84with a minimum payment of $115.00 due on November 28, 2017. Since no payment wasreceived a late fee of $37.00 and finance charges of $51.55 were added to your account. Onyour December 2, 2017, billing statement you had a balance of $2,549.73 with a minimumpayment of $240.00 due on December 28, 2017. We received a payment of $110.00 onDecember 28, 2017. Since the full minimum payment was not received, a late fee of $37.00 andfinance charges of $56.08 were added to your account. On your January 2, 2018, billingstatement you had a balance of $2,469.37 with a minimum payment of $250.00 due on January28, 2017, and we received a payment of $125.00. Please find enclosed these billing statementsfor your reference.Please note, the CCA gives us the right to investigate customer credit records and to lower acustomer’s credit limit at any time, for any reason. Your Victoria's Secret Angel account creditlimit was lowered in January 2018 as a result of account becoming two billings past due.The Bank sent a letter to you dated January 4, 2018, advising that your LOVELOFT accountcredit limit had been lowered as a result of a significant decrease in your credit score. A copy ofthe letter is enclosed with this correspondence.We understand your concern regarding how these accounts reflect on your credit reports. Wehave verified we are reporting the accounts correctly to the credit reporting agencies. We arerequired by law to report factual information.We respectfully decline your request to reopen the Victoria's Secret Angel, and LOVELOFTaccounts.We apologize for any frustration or inconvenience this may have caused you. I hope you havefound this information to be helpful. If you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer ResponsesEnclosurescc: Revdex.com
Dear [redacted]:Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.Your correspondence states that you believe the previous dispute was held up and you have to accept the findings; however, you are referring to several unauthorized charges made to the account in March 2017, and you are not sure if an investigation was opened for the charges.After reviewing your account, the previous fraud case did not include the March 2017 charges, as the claim did not include those charges. Please be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number 20170619-3 was opened on June 19, 2017. The investigation may take up to 90 days to be completed, and you will be notified by mail of the outcome. The account has been closed to prevent any further charges.If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:1. You have the right to place a fraud alert on your credit reports. A fraud alert tells creditors to contact you before they open any new accounts or change your existing accounts. To do this, you can contact any one of the consumer reporting companies mentioned below. If you contact any one of them, the one you contact is required to notify the other two to place an alert on their files as well.
[redacted]2. Identity theft is a crime. You can file a report with your local police or the police department in the community where the crime took place. Many police departments have a special Identity Theft Report, which is a police report with more than the usual amount of detail. If the detailed Identity Theft Report is available, we recommend you obtain a copy in order to protect your rights.3. You can go to the Federal Trade Commission website on identity theft: www.ftc.gov/idtheft. It contains additional information and will refer you to resources that could be helpful in dealing with your situation.I hope you found this information to be helpful. Should you have any additional questions or concerns about the investigation, please contact our Account Protection Team at (800) 888-1726.Sincerely,Shawnda Y[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear [redacted]We received your complaint, submitted to the
Revdex.com, regarding the above-referenced account. Comenity Bank issues Limited credit card
accounts, and we are here to assist with your account-related questions. I appreciate the opportunity to respond...
to
your concerns.We understand from your complaint that you
made a return on September 26, 2015. Once
you reviewed the Limited account, you noticed the return had not posted. You contacted the Bank, and were advised the
credit would take additional time to post to the account. Once again, you called and were advised there
was no record of the return, and a dispute would be opened on your behalf. Again, you contacted the Bank and received no
resolution regarding the credit. You
later viewed the account online, and saw that the credit in question had
posted. At this time, you state you want
the account closed and your credit report to reflect the account as closed by
consumer with all payments made on time. Additionally, you want the
account to reflect a zero balance and you are asking for $100.00 compensation
for the time you spent to resolve this matter. We apologize for any frustration this matter
may have caused you. I am happy to share
my findings.Bank records indicate the return made on
September 26, 2015, posted to the Limited account on October 2, 2015, in the
amount of $31.47. Additionally on
September 26, 2015, a purchase was made; however, it was not charged to the account
until October 1, 2015, in the amount of $142.31. On October 19, 2015, a payment posted to the
account in the amount of $10.84, and on October 29, 2015, a credit from The
Limited posted to the account in the amount of $79.06. As of the date of this letter, the remaining
balance is $20.61.Please be advised that we find the balance of
$20.61 to be valid. Additionally, be
assured that no negative payment information was reported to the
credit-reporting agencies as a result of this matter.We apologize if you felt that you did not
receive the best customer service. It is
never the Bank's intention to treat our customers in a less-than-satisfactory
manner. Comenity Bank is committed to
providing the best customer service and is disappointed when a customer feels
that this standard was not met.Although the account was closed, per your
request, we hope you continue to shop with The Limited. Please be assured the closure of the account
was reported to the credit-reporting agencies as closed per consumer’s request. Comenity Bank respectfully declines your
request for compensation. We hope this information is helpful. Should you have any further questions or
concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY
###-###-####). I will be happy to
assist you.Sincerely, Kaija M[redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Coldwater Creek Mastercard credit cards. We are here to answer your questions and assist with your concerns.Your complaint states that you requested a balance transfer with no fees and 0%...
interest which was offered to your zero balance credit card. You completed the balance transfer request online on June 3, 2017, and another one approximately a week later. However, the balance transfer request you made on June 3, 2017, had not been approved, but your second request was approved. You further state you contacted the Bank to check the status of the balance transfer and were advised that the request was received; however, it had not been approved yet. Furthermore, on July 19, 2017, no action had been taken on the first balance transfer. The offer expired on July 3, 2017, and you are requesting the Bank honor the balance transfer request. We understand your concerns and apologize for any frustration or inconvenience this matter may have caused you.We received your dispute on July 19, 2017, in the amount of $4,642.59. Please be assured our dispute resolution team is currently working to resolve your dispute. Please also be aware, dispute investigations may take up to ninety days to complete. Upon completion of our investigation, we will notify you of our findings by mail. We appreciate your patience while we conduct our investigation.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,Jenny W[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Wowee, I'm about speechless. I think you could hear my jaw hitting the floor. This business had previously written me a letter telling me they sold my account and I owed every penny they added to an account I didn't know I had. I'm very happy for the new response and thankful for the help of the Revdex.com. Thank you very much! I APPRECIATE all you help.
[redacted]
Although I appreciate the Bank has informed me that as of the date of their letter to me of 4/14/17, my balance is zero, I do not feel comfortable closing my complaint until I know for a certainty my dispute is closed as well and that my balance will remain zero unless I make further purchases using my Loft Mastercard. The Bank stated in their letter as well on 4/14/17 that the dispute process may take up to 60 days for completion. I do not understand why this error, on the part of the Bank should take that long to resolve. It was made very clear in my 15 page fax which included the dispute form and receipts that it was clearly the Bank's error. If 3-store managers can quickly see the fault lies with Comenity Bank then why can't the Bank see this as well. If I close this complaint with the Revdex.com and Comenity Bank refuses to see their error then I have to start all over again. After all that Comenity Bank has put me through I just do not trust them until this situation is completely resolved; both my balance remaining at zero unless I use my Loft Mastercard and the dispute being closed and resolved to my satisfaction which would be that Comenity Bank closes this dispute, acknowledging it was their error.
Regards,[redacted]
Dear Ms. [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. I understand from your complaint that money is being taken out of your personal bank account. You do not have an account with Comenity Bank nor did you make any purchases. You are requesting that no more monies be debited from your bank account; due to you not knowing why these payments are being debited from your account. I am happy to share my findings with you. After a thorough review of our records, an Avenue credit card account was located in your name. Please find a summary of the Avenue account below. I have enclosed a copy of the account Credit Card Agreement (CCA), as well as copies of billing statements which show the account activity that comprised the account balance and delinquencies. The Avenue account was opened on May 10, 2014; use of the account or failure to close the account within 30 days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase of $250.00 was made on May 10, 2014, and the last payment of $150.00 was received on August 15, 2015, and the account is current. As of the date of this letter, the account balance is $425.29 with a minimum payment of $25.00 due on September 16, 2015. If you believe that this account was opened due to ID Theft, please complete the enclosed Identity Theft Victim’s Complaint and Affidavit please return the completed Affidavit, to our Account Control Department (Fraud) along with a copy of your driver’s license, and a written request for the application. Once this is information is received you will be notified by mail of the findings. Listed below is the address and telephone number for our Account Control Department: Account Protection (Fraud) Department 220 West Schrock Road Westerville, OH 43081 ###-###-#### (TDD/TYY ###-###-####) We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience. If you have any further questions regarding this letter, please contact me at ###-###-####, ext. [redacted]TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
the error in the account is yours. if somebody took the time it would take to accurately research this, you would see that there is no money on the account that is for merchandise. its all finance charges and late fees. thats it. I am a responsible person. if I make a mistake, I own it. you should do the same thing. you ignore the fact that I have repeatedly said I could not access my account via your web site. I therefore had statements sent via my bank, td bank. all the payments I made were of merchandise, and interest accrued on the merchandise. no money there is for merchandise. its interesting that you claim that [redacted] cant be the address on my statement, for reasons that boggle the mind, yet the letter you sent me has the address correct, [redacted]. the statement for december was received by me in february. this is as a result of your erroneously having my address as [redacted] they arent the same thing. you ask for my address and I give it to you. you should figure out a way to make the address the way the customer tells you. it is against the law to threaten me with negative information on my credit report history. if you continue this threat, if you do anything to my credit report, I will have no alternative but to report you to the FTC for violation of the fcba. youve already lost a customer. I will never shop in victoria's secret again. as a result of your actions, I no longer have a victoria's secret credit card. start doing the right thing. straighten out the mess youve made with this account. I will pursue this legally.
Regards,
[redacted]
I called the individual at the extension provided immediately upon receiving the communication and left my information and number that I could be reached at on her voicemail. My call was not returned...this is indicative of the service that Comenity has provided throughout the process of trying to settle my mother's estate. I have still been unable to pay this final bill after the account was passed to collection weeks ago as the collection company now indicates that the account is under review/research. If Comenity has given me any time at all between granting my access to the account and handing off to collection, this matter would be resolved.At this point, my preference would be to pay the balance, which has been doubled since the original purchase 2 weeks before my mother's passing, and to ensure that this matter is documented online for others to socialize how awful it is to deal with Comenity. I have searched other reviews and seen several other customers that Comenity has reached out to and asked to contact them to help with their case - it seems evident that comenity does this when Revdex.com gets involved with no real desire to assist, only to clear the complaint for public perception.
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Pier 1 Rewards credit card. We are here to answer your questions and assist with your concerns. We understand you have been working with a...
debt consolidation company to make your payments on your account. You state even though your account is being paid according to the contract, the Bank continues to report the account negatively. Additionally, the Bank is supposed to take the minimum payment according to the debt consolidation, and you are still being harassed for funds. You are requesting to have the account deleted from your credit report. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. Bank records indicate there have been no collection attempts made on your account since June 2017. After a review of the above-referenced account, we find you are enrolled in a Consumer Credit Counseling Program. The Bank accepted the terms of the repayment plan and your minimum payment is $10.00, due by the 1st of each month. On June 25, 2017, a letter was mailed to you confirming the Bank’s acceptance of your debt management repayment plan. Please note the confirmation letter states; if you pay less than the required amount for three consecutive payments, your account will revert to the original terms as disclosed in your Credit Card Agreement. This will include your account being moved back to the original Annual Percentage Rate and payment calculations and the reinstatement of any fees that were suspended during this program. We have enclosed a copy of this letter for your records. A billing statement was issued on July 6, 2017, with a balance of $317.54 and a minimum payment of $10.00 due by August 1, 2017. The August 2017 payment was not received. A billing statement was issued on August 6, 2017, with a balance of $320.25 and a minimum payment of $10.00 due by September 1, 2017. A payment of $5.68 was received on August 12, 2017. Please be advised when payments are not received, are received after the due date, or are made for less than the minimum required, the account is considered delinquent and will be reported as such. Please be aware, because the required minimum payment has not been received for two consecutive months, the account is in jeopardy of being removed from the debt management repayment plan. Please ensure a payment of $10.00 is received by October 1st, 2017, to maintain the account’s participation in the debt management plan. . We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. As such, we respectfully decline your request to have the account deleted from your credit report. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L[redacted]
Dear [redacted]We received a comptaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questions. The complaint, addressed to the Revdex.com, wasforwarded to my attention, and 1 appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint on April 14, 2015, regarding the same issue. We have enclosed a copy of ourprevious response for your records. Please be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY) ##########). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-notedaccount. Comenity Bank issues VICTORIA'S SECRET credit card accounts, and we arehere to answer your questions. The complaint was forwarded to my attention, and I appreciatethe opportunity...
to address your concerns.Please accept our sincere apology for the frustration and inconvenience you experienced, withregard to the application process and the hard inquiry on your credit profile. We understandyour concerns expressed in the complaint, and we appreciate you taking the time to contact theBank.Bank records indicate the account was opened on May 29, 2016, in the name of [redacted] The Bank determines credit approval in part or in whole of information returned fromthe credit bureau agencies.Please be assured, in the interest of customer service, notification has been sent to the credit-reportingagencies with instructions to delete the credit inquiry from your credit profile. Pleasenote that due to their compliance policies, the credit bureaus do not delete inquiries from aconsumer's credit bureau report. However, when the Bank requests that an inquiry beremoved, the credit bureaus will change it to a soft inquiry. This means that that inquiry onlyappears when the consumer pulls his or her own credit report. A soft inquiry does not appearon a consumer's credit report that is provided to a lender or any other authorized party, and itdoes not impact the consumer's credit score. Therefore, you will continue to see the inquiry onyour credit report, but it will not be visible to anyone else who may pull your credit report.As requested, your VICTORIA'S SECRET credit card account has been closed.I hope this information is helpful. If you have any further questions or concerns, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Woman Within credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that you ordered some boots...
from Woman Within, in which you sent back and then received another pair. You state that you sent the items back through the post office and you paid for the shipping. You are stating that you are owed $61.04, and you are requesting to receive all of your money back. We apologize for the inconvenience you have experienced regarding this matter. Please note that Comenity Bank and Woman Within are two separate entities. The Bank issues and is responsible for addressing questions related to the Woman Within credit card account, while Woman Within is responsible for handling matters related to sales, merchandise processing, returns, shipping. Bank records indicate that a return of $54.99 was applied to your account on February 9, 2017, which generated a total credit balance of $53.54. A credit balance refund check was sent on March 5, 2017. Please be advised that an additional adjustment has been made to your account for $7.50. A refund check in the amount of $7.50 has been requested and should be received within fourteen days. 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, Ashley H[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the abovenotedaccount. Comenity Bank issues Victoria's SecretlPlNK credit card accounts, and we arehere to help answer your account-related questions. 1 appreciate the opportunity to assist you.We...
understand from your complaint that you did not receive your monthly billing statement(s),which resulted in a [ate payment entry to your credit file. You state that even after updating yourinformation you still never received any statement(s) and you have always maintained an A+credit rating. You have requested that the Bank remove this late payment from your accounthistory and credit file.Bank records indicate that your account was enrolled in paperless statements and the monthlystatements were being sent to an email address of [redacted]. We have norecord of the statements being returned as undeliverable. Enclosed are the billing statementsfor your records.As payment was not received for the February and March 2015 billing periods, your accountwas reported as 30-days delinquent to the credit bureaus.Comenity Bank is required by law to report factual information to the national credit-reportingagencies. However, in light of this situation, the Bank is happy to compIy with your request.Therefore, notification has been sent to the national credit-reporting agencies with instructionsto remove the delinquency for March 2015, regarding your Victoria's SecretlPlNK account.Please allow them 45 days to update their records.We apologize for any inconvenience this matter may have caused you, and we hope thisinformation is helpful. Should you have further questions or concerns, please do not hesitate tocontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy toassist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted]:We have received the inquiry that you sent to the Consumer Financial ProtectionBureau regarding the above-noted account. Your correspondence was forwarded to theFederal Deposit Insurance Corporation (FDIC) and to Comenity Bank (Bank). ComenityBank issues the Love Loft credit card, and we are here to help answer your questions. Iappreciate the opportunity to assist you with your concerns.Your complaint indicates you made a payment to your Love Loft account on February19, 2015, in the amount of $38.37, and that payment was never applied to your account.You also state your credit union has confirmed that payment was received and cashedby us. Additionally, you state we have reported your account as being paid late to thecredit reporting agencies.On March 17, 2015, we received the initial dispute regarding the $38.37 payment in atelephone call from you. On March 19, 2015, we sent you a letter acknowledging yourdispute and asking for additional information to aid us in the investigation of this matter.On April 24, 2015, we sent you a followup letter advising that we had not received therequested information, so your dispute was being closed until we received the additionalinformation. We show no record of receiving the additional information that wasrequested in that letter or any other communication from you prior to July 15, 2015.We received information from you on July 15, 2015, advising us that you have askedyour bank to send over a copy of the front and back of the check that was cashed by usfor your account in the amount of $38.37. Once we receive a copy of the cashed checkfor $38.37 from your bank, we will continue our research of your payment dispute.As a courtesy, we have credited your account for all late fees and finance charges thatwere associated with the payment of $38.37. On your next billing statement, you willsee a late fee credit of $30.00, a finance charge credit of $1.98 and a finance chargecredit of $1.00. In addition, a late fee of $25.00 was credited to your account on June29, 2015, as reflected on your statement dated July 8, 2015.We have also updated the payment history on your Love Loft account to reflect theaccount as paid current with no delinquencies. Once we receive proof of the $38.37payment from your credit union, we will then apply that payment to your account.You also mentioned in your complaint that you are submitting your payments to yourcredit union bill payment system by the 1st of the month. However, the payments arenot being applied to your account until 4-6 days later, which is causing you to beassessed late fees and additional finance charges since your payment is due on the 3rdof each month.Please note Section D of your Credit Card Agreement (CCA) entitled “Interest, fees andcharges,” which was provided to you at the time your account was opened, states “[i]fyou don’t pay at least the Minimum Payment Due by the Payment Due Date, we willcharge you a late fee.” While the Bank understands payments placed in the mail mayhave been postmarked by the United States Postal Service prior to the payment duedate, the payment must be received by the Bank by the due date in order to avoid a latefee. Please also note additional payment options are identified for your convenience onthe back of each billing statement.We comply with Federal law, which requires that conforming payments received by 5:00p.m. be credited to the account as of that day. However, payments that do not conformto the requirements noted on the second page of your statements may take up to fivedays to be credited after receipt. For your reference, I have enclosed your July billingstatement with that information highlighted for you.Also, you indicate in your complaint that your credit union makes the payment to yourLove Loft account by sending a paper check through the U. S. Mail. You will need tosubmit your request for the payment to be made in time for your credit union to processyour request and for the United States Postal Service to deliver the check to us. Pleasebe sure the payments comply with the requirements on the back of your statement inorder to be assured of same-day crediting.I hope you have found this information to be helpful. If you have any questions orconcerns, please feel free to contact me at ###-###-####.Sincerely,Gabrielle G[redacted]
January 16, 2017[redacted]Dear [redacted]:Comenity Bank has received your correspondence regarding the above-referenced account. Comenity...
Bankissues The RoomPlace credit card account. We are here to answer your questions and assist with your concerns.Your complaint states that your account was charged a late fee and you contacted the Bank to have it removedand were advised that a credit would be issued to your account; however, the late fee was not credited to youraccount. You are requesting the Bank honor its word and issue a credit for the late fee that was assessed toyour account. I understand your concerns and apologize for any confusion or frustration this may have causedyou.Our records indicate a statement was issued to you on October 16, 2016, showing a balance of $671.72 and aminimum payment of $25.00 due by November 11, 2016. Please be advised the Bank did not receive a paymentby the due date and as a result, a late fee was assessed to your account.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. Bankrecords indicate you spoke with a Bank representative on December 2, 2016. During this call, you were advisedthe late fee was already credited to your account. We apologize for the incorrect information that was providedto you. Please be advised the Bank has issued a credit of $25.00 for the late fee that was previously assessedto your account. This credit will appear on your account within the next one-two billing statements.I hope you found this information to be helpful. If you have any further questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,[redacted]
Dear Mr. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Comenity Capital Bank issues Orbitz Rewards Visa@ accounts and we respondto all account-related questions. Your complaint was forwarded to my attention, and Iappreciate this...
opportunity to assist you.We understand from your compliant that the Bank closed your account shortly after you applied.You are asking that the Bank reopen the account or open a new account.Bank records indicate that your Orbitz Rewards Visa0 account was closed effective January 6,2016. The account was closed due to recent excessive inquiries on your credit report. Pleasenote the Bank may periodically review accounts to determine their eligibility to remain active, asexplained in the Credit Card Agreement (CCA). Please be advised the Bank is unwilling toreopen this account at this time.We sincerely apologize for any inconvenience this matter may have caused you and hope thatyou find this information to be helpful. Should you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Rosa M[redacted]
- I spoke with Comenity on the phone the day that I submitted this complaint. At the time, I was told that my account was no longer in dispute and that I would receive my refund within 20-21 days. My account still shows a credit of $550.09.----- If I am not owed the $550.09, as I originally thought, then Comenity at the very least should refund me the extra finance charges that I paid off. I also would like to see my July 2016 statement.-- There was no mail order sale on August 4 and no credit of that charge on August 10, 2016 on my account (see the attached excel document).-- The attached excel document and screenshots of my credit card activity shows that I was charged twice for the $550.09 order on the same day of March 17, 2016 - which is not what Geanine M[redacted] stated in her letter to this complaint.-- I now can no longer access my July 2016 statement online on the Comenity website. Every other statement is available between March and August except for July.The letter from Comenity does not accurately reflect the activity on my account. The business charged me finance charges on the double charge until July 26, 2016 when the $550.09 credit was issued.This has been an unnecessary nightmare dealing with Comenity and the company's unsavory business practices. The falsified details of my account in Geanine's letter is reflective of those practices.Regards,[redacted]
I submitted documents supporting the fact that my bank sent the payments in question and contacted the [redacted] bank that used to handle herbergers payments and received my payments. I was not aware that herbergers changed to comenitybank because [redacted] was forwarding payment to comenitybank but stopped. How am I to know this was happening? Also it's unfair they won't wait the 4-6 weeks it might take to get [redacted] to send the payments to them
Regards, [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand from your...
complaint that you lost your income and immediately contacted the Bank to advise of your financial issues. You state you requested to apply for the credit protection using the Account Assure insurance. You state you were informed initially that you didn’t have this benefit; however, it was listed on your monthly billing statements. You were informed by Account Assure to provide proof of your termination from your employer; which you did three times. Due to this matter your credit report has been impacted. You state that you were advised that the Bank and Account Assure would provide protection and debt cancellation; however, you feel this is false. You request your account back dated and the insurance you paid for, used to pay the account. You also request your credit report be updated or the tradeline deleted and late fees removed. I am happy to share my findings. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if there was any miscommunication. On your phone call to the Bank on June 15, 2016, you asked if there were any programs, you stated you believed that you were paying an insurance and you wanted to know what that covered. You were advised by the representative, regarding the Account Assure, that you would need to contact them directly and you were provided their telephone number. Please be advised that Account Assure is offered by a third party vendor AON. The account was enrolled in Account Assure on August 14, 2014. Account Assure is an optional debt cancellation program. The monthly fee is $1.99 per $100.00 of your outstanding balance. If there is no balance at billing, there is no charge. The Account Assure program was cancelled April 15, 2016, due to the accounts delinquent status. We contacted Account Assure, on your behalf, and they advised that they are still waiting on the final unemployment materials and paystubs. Until this information is received, they will not be able to finalize your claim. To speak with an agent please contact them directly at (866) 293-9210. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Due to no payments received for six consecutive billing cycles the account wrote off on February 13, 2017. The account was then sold on February 24, 2017, to Jefferson Capital. To set up suitable payment arrangements they can be contacted at (800) 281-2793. The Bank finds no error and no adjustment will be made to the account. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. ...⇄ Sincerely, Kaija Marshall Kaija Marshall Compliance Dept. – Consumer Responses cc: Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccounts. Comenity Bank issues the Victoria's Secret Angel, and LOFT credit cards. We are hereto answer your questions and assist with your concerns.You mentioned the Bank is reporting inaccurate information on your...
credit report; the Bank isreporting your Victoria’s Secret account as being $130.00 past due by 30 days. You state this isincorrect and your billing statements show different. The Bank has lowered your credit limit onboth of your accounts, and you have closed them both due to being concerned your credit willbe impacted. You would like both of your accounts reopened with their original terms.Please keep in mind that when payments are not received, are made for less than the minimumrequired, or are received after the due date cutoff time, the account will be assessed a late fee,as explained in the Credit Card Agreement (CCA).Your November 2, 2017, Victoria's Secret Angel billing statement had a balance of $2,374.84with a minimum payment of $115.00 due on November 28, 2017. Since no payment wasreceived a late fee of $37.00 and finance charges of $51.55 were added to your account. Onyour December 2, 2017, billing statement you had a balance of $2,549.73 with a minimumpayment of $240.00 due on December 28, 2017. We received a payment of $110.00 onDecember 28, 2017. Since the full minimum payment was not received, a late fee of $37.00 andfinance charges of $56.08 were added to your account. On your January 2, 2018, billingstatement you had a balance of $2,469.37 with a minimum payment of $250.00 due on January28, 2017, and we received a payment of $125.00. Please find enclosed these billing statementsfor your reference.Please note, the CCA gives us the right to investigate customer credit records and to lower acustomer’s credit limit at any time, for any reason. Your Victoria's Secret Angel account creditlimit was lowered in January 2018 as a result of account becoming two billings past due.The Bank sent a letter to you dated January 4, 2018, advising that your LOVELOFT accountcredit limit had been lowered as a result of a significant decrease in your credit score. A copy ofthe letter is enclosed with this correspondence.We understand your concern regarding how these accounts reflect on your credit reports. Wehave verified we are reporting the accounts correctly to the credit reporting agencies. We arerequired by law to report factual information.We respectfully decline your request to reopen the Victoria's Secret Angel, and LOVELOFTaccounts.We apologize for any frustration or inconvenience this may have caused you. I hope you havefound this information to be helpful. If you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer ResponsesEnclosurescc: Revdex.com
Dear [redacted]:Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.Your correspondence states that you believe the previous dispute was held up and you have to accept the findings; however, you are referring to several unauthorized charges made to the account in March 2017, and you are not sure if an investigation was opened for the charges.After reviewing your account, the previous fraud case did not include the March 2017 charges, as the claim did not include those charges. Please be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number 20170619-3 was opened on June 19, 2017. The investigation may take up to 90 days to be completed, and you will be notified by mail of the outcome. The account has been closed to prevent any further charges.If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:1. You have the right to place a fraud alert on your credit reports. A fraud alert tells creditors to contact you before they open any new accounts or change your existing accounts. To do this, you can contact any one of the consumer reporting companies mentioned below. If you contact any one of them, the one you contact is required to notify the other two to place an alert on their files as well.
[redacted]2. Identity theft is a crime. You can file a report with your local police or the police department in the community where the crime took place. Many police departments have a special Identity Theft Report, which is a police report with more than the usual amount of detail. If the detailed Identity Theft Report is available, we recommend you obtain a copy in order to protect your rights.3. You can go to the Federal Trade Commission website on identity theft: www.ftc.gov/idtheft. It contains additional information and will refer you to resources that could be helpful in dealing with your situation.I hope you found this information to be helpful. Should you have any additional questions or concerns about the investigation, please contact our Account Protection Team at (800) 888-1726.Sincerely,Shawnda Y[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear [redacted]We received your complaint, submitted to the
Revdex.com, regarding the above-referenced account. Comenity Bank issues Limited credit card
accounts, and we are here to assist with your account-related questions. I appreciate the opportunity to respond...
to
your concerns.We understand from your complaint that you
made a return on September 26, 2015. Once
you reviewed the Limited account, you noticed the return had not posted. You contacted the Bank, and were advised the
credit would take additional time to post to the account. Once again, you called and were advised there
was no record of the return, and a dispute would be opened on your behalf. Again, you contacted the Bank and received no
resolution regarding the credit. You
later viewed the account online, and saw that the credit in question had
posted. At this time, you state you want
the account closed and your credit report to reflect the account as closed by
consumer with all payments made on time. Additionally, you want the
account to reflect a zero balance and you are asking for $100.00 compensation
for the time you spent to resolve this matter. We apologize for any frustration this matter
may have caused you. I am happy to share
my findings.Bank records indicate the return made on
September 26, 2015, posted to the Limited account on October 2, 2015, in the
amount of $31.47. Additionally on
September 26, 2015, a purchase was made; however, it was not charged to the account
until October 1, 2015, in the amount of $142.31. On October 19, 2015, a payment posted to the
account in the amount of $10.84, and on October 29, 2015, a credit from The
Limited posted to the account in the amount of $79.06. As of the date of this letter, the remaining
balance is $20.61.Please be advised that we find the balance of
$20.61 to be valid. Additionally, be
assured that no negative payment information was reported to the
credit-reporting agencies as a result of this matter.We apologize if you felt that you did not
receive the best customer service. It is
never the Bank's intention to treat our customers in a less-than-satisfactory
manner. Comenity Bank is committed to
providing the best customer service and is disappointed when a customer feels
that this standard was not met.Although the account was closed, per your
request, we hope you continue to shop with The Limited. Please be assured the closure of the account
was reported to the credit-reporting agencies as closed per consumer’s request. Comenity Bank respectfully declines your
request for compensation. We hope this information is helpful. Should you have any further questions or
concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY
###-###-####). I will be happy to
assist you.Sincerely, Kaija M[redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Coldwater Creek Mastercard credit cards. We are here to answer your questions and assist with your concerns.Your complaint states that you requested a balance transfer with no fees and 0%...
interest which was offered to your zero balance credit card. You completed the balance transfer request online on June 3, 2017, and another one approximately a week later. However, the balance transfer request you made on June 3, 2017, had not been approved, but your second request was approved. You further state you contacted the Bank to check the status of the balance transfer and were advised that the request was received; however, it had not been approved yet. Furthermore, on July 19, 2017, no action had been taken on the first balance transfer. The offer expired on July 3, 2017, and you are requesting the Bank honor the balance transfer request. We understand your concerns and apologize for any frustration or inconvenience this matter may have caused you.We received your dispute on July 19, 2017, in the amount of $4,642.59. Please be assured our dispute resolution team is currently working to resolve your dispute. Please also be aware, dispute investigations may take up to ninety days to complete. Upon completion of our investigation, we will notify you of our findings by mail. We appreciate your patience while we conduct our investigation.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,Jenny W[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Wowee, I'm about speechless. I think you could hear my jaw hitting the floor. This business had previously written me a letter telling me they sold my account and I owed every penny they added to an account I didn't know I had. I'm very happy for the new response and thankful for the help of the Revdex.com. Thank you very much! I APPRECIATE all you help.
[redacted]