This is not helping the situation of your company collecting interest and adding fees to the account each month despite the fact I hadn't received account information how my supposed to pay fees when I haven't even gotten a bill in the mail I just got the first email Bill today I did not get any bills during that time and you feel that even though I was notified about the bills it's okay to charge her for those months that she didn'tget notified about a bill and interest charges so I'm not willing to pay that not at all you're going to have to meet me somewhere otherwise this will escalate to small claims court or in other some form not to threaten it you have lawyers I understand that's what they're there for but again I was a very loyal customer which you don't get notified about a bill and interest charges so I'm not willing to pay that not at all you're going to have to meet me somewhere otherwise this will escalate to small claims court or in other some form not to threaten it you have lawyers I understand that's what they're there for. Please submit me an offer about these late fees and then will will talk.
Regards,
[redacted]
We are in receipt of your complaint, addressed to the Revdex.com. Comenity Capital Bank issues Good Sam Camping World Visa® accounts, and we are here to respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity...
to assist with your concerns. We understand from your correspondence that you have concerns with the APR on your account, and also the re-occurring charges from, [redacted]. Comenity Capital Bank began financing Good Sam credit cards in August 2014, as part of the transfer, the account remained on the same terms agreed to with the previous lender until after Comenity Capital Bank mailed you a Change in Terms (CIT) notice. Comenity Capital Bank mailed you a new CIT notice regarding the changes to your account in December 2015. This notice detailed the new Annual Percentage Rate (APR), and that all purchases made prior to January 9, 2016, will remain on the previous terms. However, purchases made after this date would be subject to the new terms offered by Comenity Capital Bank. In order to have opted out of these new terms, you would have needed to make that request and closed your account within 45 days of receiving the notice. Our records indicate that your account was closed at your request on April 19, 2016. Additionally, our records indicate that we have changed the account number for you on numerous occasions, when you have reported unauthorized charges, and each card number has received charges from [redacted]. Please be advised that although Comenity Capital Bank issues your Good Sam Camping World Visa® account, any issue involving merchandise or services purchased with the card would need to be disputed directly with the company that the merchandise was purchased, or where service was received. We request that you contact [redacted] directly to see why charges have been billed to your account. We apologize for any confusion or inconvenience, and hope this information is helpful. If you have any further questions or concerns about this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely, Justina M[redacted]
Comenity Capital Bank has received your correspondence regarding the above-referencedaccount. Comenity Capital Bank issues the Lending Club Patient Solutions credit accounts. Weare here to answer your questions and assist with your concerns.Your complaint states that you financed dental treatment on...
your Lending Club Patient Solutionsaccount; however, you have not received the dental implants. You are requesting a refund of$1,500.00 for the unused portion of your $2,000.00 loan. We understand your concerns andapologize for any frustration or inconvenience this matter may have caused you.We received your dispute on July 12, 2017, in the amount of $1,500.00. Please be assured ourdispute resolution team is currently working to resolve your dispute. Please also be aware, disputeinvestigations may take up to ninety days to complete. Upon completion of our investigation, wewill notify you of our findings by mail. We appreciate your patience while we conduct ourinvestigation.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]Jenny W[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bankissues Pottery Barn Kids credit card accounts, and we respond toaccount-related questions. Your complaintwas forwarded to my attention, and...
I appreciate the opportunity to respond toyour concerns. We understand your concerns regarding your purchase for $2,517.50 that was placedon your account on January 3, 2015. Wefurther understand that you were supposed to receive double rewards as theoriginal purchase date was on November 3, 2015. I apologize for any inconvenience this matter may have caused you. We understand that on January 27, 2015, you were issued a letter that stated thatyou should receive your second reward certificate in 1-2 billing cycles afterthe charge was delayed and that reward was not received. Unfortunately, your purchase was not placedon the delayed shipment list and therefore, we had to manually add points toyour account to generate a second reward.Please be advised, that your reward certificate in the amount of $250.00 is attached atthe top of your May 2015 billing statement. We have enclosed a copy for your records. We hope this information is helpful. Shouldyou have any other questions or concerns regarding this account, please feelfree to contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely,[redacted]Consumer Relations Specialist
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Dear [redacted]:We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist youwith account-related questions. Your complaint was forwarded to my attention, and I...
appreciate theopportunity to respond to your concerns.We understand your concerns regarding payment(s) you previously made, and the reporting of youraccount with the credit-reporting agencies. We apologize for any frustration or inconvenience you mayhave experienced as a result of this situation.After a thorough review of your account, I am happy to share my findings with you.Bank records indicate that your VICTORIA’S SECRET account was permanently closed, written off, andreported to the credit-reporting agencies as an unpaid debt, on February 9, 2015, with a balance of $262.41.A payment of $10.00 was made on February 5, 2015, which included a $15.00 expedited payment fee. Thisfee was added to the balance and not included with the payment made. On this day, an additional paymentof $252.51 was set up and scheduled to withdraw from your personal checking account on February 25,2015.However, on February 11, 2015, this payment was deleted, as requested, and a new payment of $262.41was scheduled. This payment was to have paid the account balance in full. Regrettably, the previouspayment by phone fee was not waived and the account balance was not updated to reflect that the balancewas paid in full. Therefore, a small balance continued to report to the credit-reporting agencies.Please be assured that the balance has been removed from your VICTORIA’S SECRET account, andnotification has been sent to the credit-reporting agencies to indicate that the account is paid in full.However, please be aware that as your account charged off, the records will update to reflect “paid infull/was a charge off”. Please allow 45 days for the credit bureaus to update their records.We hope you find this information to be helpful. Should you have further questions or concerns, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]Consumer Relations SpecialistCC: Revdex.com
Comenity Bank has investigated this complaint and deemed it was resolved between the customer and the collection agency in March 2014 for less than the amount owed which was different than the amount stated in the complaint. The record indicates the account was opened on August 12, 2013 and billed...
to a certain address. December 13, 2014, Comenity received an address change/update to a PO Box. Comenity has found no errors or disputes regarding any errors thus believe the information provided is correct. As such, Comentiy Bank is unwilling to remove the derogatory information from the national credit reporting agencies
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 yourquestions and assist with your concerns.I understand from your complaint the address listed on your account...
was incorrect, causing anissue with the billing statement delivery. You also state that you returned the merchandise, andyou are requesting the late fees be removed and the account closed.Your account was registered through our online Account Center on September 8, 2008, whichprovides account holders the ability to view statements and make payments online. Additionally,you enrolled in paperless statements, meaning you will receive your statements online versuspostal mail. When enrolled in paperless statements, we will send you a monthly Statement-ReadyEmail (SRE) notifying you the statement is available to be viewed.The last SRE was sent on March 30, 2017, and we do not have record of emails being returnedas undeliverable from the email address you provided. If you wish to cancel your enrollment inpaperless statements, please log in to Account Center and update this preference, or contact ourCustomer Care department at ###-###-####.After a thorough investigation, Bank records indicate the account balance as of December 26,2016, was $66.64. A payment of $30.00 was received on December 29, 2016. Then the followingpurchases were applied to the account; January 8, 2017, a retail purchase for $194.60, andJanuary 9, 2017, a mail order purchase for $52.00. Returns were made January 12, 2017, for aretail return of $108.40, and on January 25, 2017, a mail order return of $52.00 was applied tothe account. A $20.00 payment was applied on January 26, 2017On January 30, 2017, a SRE was sent to [email protected] advising you your statement wasavailable to view.Since the minimum payment of $27.00 was not received by the February due date, a late fee andfinance charge were assessed to the account.Please be advised that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.On February 15, 2017, a credit of $72.00, for returned merchandise, was applied to the account.A $3.84 payment was applied on February 22, 2017. Please be aware the minimum payment isrequired even if a return is applied to your account.On February 27, 2017, a SRE was sent advising you the statement was available to be viewed.As no payment was received by the March due date, a late fee and finance charge were assessedto the account.On March 27, 2017, a SRE was sent advising you the statement was available to be viewed.Although there were no Bank errors, a credit of $27.00 was applied to the account in October2016, for the previously assessed late fee. As a result, your account is not eligible for an additionallate fee credit at this time. The balance as of the date of this letter is $85.12, and the account iscurrently two billing cycles past due. A payment of $33.16 is due by April 21, 2017.Please be assured that per your request, the Victoria’s Secret Angel credit card has been closed.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Shelley A[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Thank you so much for your help in this matter.
Regards,
[redacted]
We are in receipt of your complaint regarding the above-referenced account. Cornenity Bank issuesStage credit card accounts, and we respond to all account-related questions. Your complaint,addressed to the Revdex.com, was forwarded to my attention, and 1 appreciate theopportunity to...
respond to your concerns.We understand from your complaint, you have Stage, Goody's, and Lane Bryant credit card accountswith Comenity Bank, which are all in the Hardship Program. You contacted Cornenity Bank onSeptember 27, 2016, and requested to change your personal checking account information to yournew account information. The representative advised that only your Goody's and Lane Bryant creditcard accounts were enrolled in the hardship program, and updated the checking account informationon those accounts. However, your Stage account was also enrolled, and payments continued to bewithdrawn from your old personal checking account, which has placed that account in a negativestatus. You are requesting Comenity Bank to refund your account, and bring your account current.We have reviewed the issues in your complaint, as well as the applicable telephone conversations.We apologize that the checking account information was not properly updated on your Stage account.Please be assured, as of October 31, 2016, your checking account information was updated on yourStage account.Please be assured, on December 8, 2016, a credit was issued to your Stage account in the amountof $10.00 for the previously assessed returned check fee.Your complaint also mentions fees which were assessed by your personal banking institution. Pleasecontact me at the number below to discuss this matter.I hope you find this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####, ext. [redacted] (TDDTPTY ###-###-####). I would be happy toassist you.
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Stage credit card. We are here to answer your questions and assist with your concerns. Your correspondence states you charged $18.00 and...
paid on time. Your account was charged a late fee, which the Bank removed. However, you were charged another late fee for a $0.69 balance. You paid $10.00 on May 10, 2017, and the Bank will not remove the late fee. You state you are going to pay the account; however, you will never shop in a store that uses Comenity Bank or their credit cards. We apologize if you felt you did not receive the best customer service. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. A review of our records indicates a billing statement was issued on February 13, 2017, reflecting a balance of $67.27 and a minimum payment of $27.00 due by March 11, 2017. Payment of $68.00 was received on February 22, 2017. On this same day, you charged $19.69 to the account for a Petite Casual and Missy Traditional. A billing statement was issued on March 16, 2017, reflecting a balance of $18.96 and a minimum payment of $18.96 due by April 11, 2017. Payment of $18.00 was received on March 28, 2017, and was less than the full required minimum due. Therefore, a late fee of $18.96 was assessed to the account. On the same day as the payment, you also charged $9.73 for Junior Tops. 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 (CCA). A billing statement was issued on April 15 2017, reflecting a balance of $29.65 and a minimum payment of $27.00 due by May 11, 2017. As a courtesy, a late fee of $18.96 was credited to the account on April 24, 2017, and payment of $10.00 was received on May 9, 2017, leaving a balance of $0.69. Because the minimum payment due was $27.00, and only $10.00 was received, the account was assessed a $27.00 late fee. Copies of your statements are enclosed for your reference. Please note that payments are applied first to late fees and finance/minimum charges due on the account. The current balance on the account is $27.69 and a minimum payment of $27.00 is due by June 11, 2017. Our review of the account shows that there were no errors on the part of the Bank and the fee charged is valid. Therefore, there are no credits due to the account. The account was closed at your request on May 22, 2017. Please be advised, if the minimum monthly payments are not received, late fees will continue to be charged. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted] Compliance Dept. – Consumer Responses
Dear [redacted]We received a complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-dated questions. The complaint, addressed to the Revdex.com, wasforwarded to my...
attention, and I 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 28, 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
Hello Revdex.com,Please be advised that this complaint needs to be sent to Comenity Bank as it is regarding the customer's Angel Card credit account. This is solely managed by Comenity Bank and we do not have access, as a 3rd party, to resolve disputes regarding her credit card payments, billing...
statements, late fees, account status, ect.Sincerely,[redacted]Senior Customer Care SpecialistVictoria's Secret Digital/Stores
We received the complaint that you sent to the Revdex.com, regarding the above-noted accounts. Comenity Bank issues ANN TAYLOR and LOVE LOFT MasterCard® 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 address your concerns. We understand your concerns as explained in your correspondence. You opened an ANN TAYLOR credit card account in 2010. You entered active duty in 2013 and sent your orders to the Bank; the Bank complied and reduced the interest rate to 6%. In addition, you opened an ANN TAYLOR (LOVE LOFT) MasterCard® in 2016 and without your knowledge, the Bank closed the ANN TAYLOR card and transferred the balance to the new card. You state you have called three or four times to get it corrected. You request that the 6% interest rate remain on the balance that was transferred and you want all of the late fees from June 2016 to present removed. Our records indicate on November 26, 2010, the ANN TAYLOR credit card account ending in 7402 was opened. On March 5, 2016, the LOVE LOFT MasterCard® account ending in 9189, was opened. At the time the accounts were approved, the store associate should have issued a Credit Card Agreement (CCA), and Privacy Statement. Use of the accounts, or failure to close the accounts 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. Please be advised the application disclaimer states; if a customer currently has an ANN TAYLOR/LOVE LOFT credit card, when submitting the application for a MasterCard account, they are requesting an ANN TAYLOR/LOVE LOFT MasterCard® to replace their existing credit card. If approved, their existing account may be closed and any balance may be transferred to their new ANN TAYLOR/LOVE LOFT MasterCard® account. On March 20, 2016, the ANN TAYLOR credit card account was systematically closed due to the consolidation of the LOVE LOFT MasterCard® account and the $1,651.16 balance was transferred. On the same day, a confirmation letter was mailed to you, advising that these accounts were consolidated. Please be assured, we reduced the annual percentage rate (APR) on the ANN TAYLOR account. The reduced APR is applicable to debt incurred prior to your entry into active duty/active service. Since the balance was transferred, we have reduced the APR on the LOVE LOFT MasterCard® account in accordance with the provisions set forth in the Servicemembers Civil Relief Act (SCRA). In addition, credits totaling $288.19 have been issued to the LOVE LOFT MasterCard® account, for the fees that were previously assessed. Your monthly billing statements will reflect the 6% APR. This reduced APR is only applicable to debt incurred prior to your entry into active duty/active service. As indicated in your active duty orders, your date of entry into active duty was on October 1, 2013. As a reminder, you are required to make the minimum payment due each month as shown on your monthly billing statement. In the event you pay your credit card account in full, or your active duty status changes, your APR will revert to the terms as stated in your Credit Card Agreement. This will include your account being moved back to the original APR, and the reinstatement of any fees that were suspended during this program. Currently, the rate for new purchases is 25.24%; this rate will vary and is based on the prime rate. We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter. We hope you find this information helpful. Should you have any further questions or concerns, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you. Sincerely, Tionna M[redacted]Consumer Relations Specialist CC: Revdex.com
Response is not research at all
its one of faq... I didn't say to remove my inquiry into said you guys denied
me for being unable to pull my credit ..please do some research
beforeport sending me a letter.once again how can you deny me for
not being able to pull my credit report equifax when fact is you guys did
on June 13 2015 I need to know why you denied me..please look at the reference
number for the denial letter [redacted]. once you pull my denial letter
you will know what I'm talking about. please id you cannot than I will upload
it for you...it clearly state reason for denial iS unable to pull credit bureau
report from Equifax but on June 13 2015 you guys pulled...Regards, [redacted]
Dear Ms. [redacted] Thank you for your recent complaint regarding the accounts noted above. Comenity Bank issues the above mentioned credit 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 opportunity to assist you. I understand from your complaint, you made a pay-by-phone payment with our Payment Solutions department on July 16, 2015, for your Lane Bryant Retail and Ashley Stewart® accounts. After receiving phone calls from our company, you were under the impression that the original payments of $75.00 and $50.00 secured on July 16, 2015, were unsuccessfully processed; therefore, the money was still available for payment. On Sunday, July 19, 2015, you made a payment of $100.00 at the Lane Bryant store. On Monday, July 20, 2015, you received an additional phone call from the Bank, in which you advised that a payment of $100.00 was made at the Lane Bryant Retail store on July 19, 2015, in-which you were told the payment should post within 24-48 hours. On July 21, 2015, you state that the original payments of $75.00 and $50.00 were deducted from your Bank, which caused you to incur a $35.00 overdraft fee, as well as placing your Bank account negative $195.00. Lastly, you state that you contacted Comenity Bank on July 22, 2015, and you were not pleased with the level of customer service that you were provided at that time. In order for your Bank to reverse the overdraft fees that you incurred due to this matter, you are requesting Comenity Bank reverse the payments of $75.00 and $50.00. The Bank has reviewed the issues in your complaint, as well as the applicable phone conversations. We apologize if you felt that you did not receive the best customer service. It is never the Bank’s intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. Please be assured, Comenity Bank has completed a thorough investigation into the above mentioned accounts. We apologize if you were provided with inaccurate information; however, based upon our records we are unable to locate any phone calls from July 18 or July 19, 2015, were you state, our representatives advised you that the payments of $75.00 and $50.00 did not go through. Bank records further indicate a pay by phone payment was secured with a Payment Solutions representative on July 16, 2015, with a payment date of July 17, 2015, for $75.00 on your Lane Bryant Retail credit card account, and $50.00 on your Ashley Stewart ® credit card account. Please note, once payments post to an account with Comenity Bank, the payment may take approximately 3-5 business days , to reflect as a deduction from your Bank account. We apologize for the inconvenience this matter may have caused you; however, we regret to inform you that we are unable to grant your request and reverse the payments of $75.00 and $50.00 back to your Bank account, due to this matter not being a Bank error. However, if you can provide documentation from your Bank, on Bank letterhead, that states Comenity Bank tried to withdrawal payments in the amount of $75.00 and $50.00, and that an error occurred on Comenity Bank’s end that hinder the payments from processing, we will be more than happy to review your account for additional processing. I hope you find this information to be helpful. Should you have additional questions or concerns about this issue, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Geanine M[redacted]
Dear [redacted] and [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband credit card accounts, and we are here to help with...
account-related questions. Your complaint, sent on behalf of your father [redacted] was forwarded to my attention, and I appreciate the opportunity to assist you. You state in your complaint that your father is deceased and there are erroneous charges on his account. You are requesting an explanation of the charges, the charges reversed, and the account closed. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please accept my condolences on the loss of your father. We understand that this must be a difficult time for you and your family. Thank you for speaking with me on December 11, 2015. Thank you for providing me your father’s death certificate and letter of Testamentary. Please be assured the above-referenced account has been notated accordingly, and the account has been closed. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. Haband VIP Plus is an optional service that is offered through Haband. This program offers a special introductory price of $1.99 for the first 30 days, and if the consumer does not call to cancel the membership within the first 30 days, the membership fee of $14.97 is automatically billed to the Haband account each month. Cancellation may be made at any time with no further obligation. We reached out to Haband, on your father’s behalf, and they confirmed the Haband VIP Plus membership was cancelled on April 11, 2015, and on April 17, 2015, credits totaling $44.91 were applied to the account to remove the Haband VIP Plus membership charges. On August 23, 2015, due to non-receipt of payment, the account was permanently closed and reported to the national credit-reporting agencies as an unpaid debt with a balance of $168.37. On November 23, 2015, the account was sold to Portfolio Recovery. Please be advised, the account has been bought back from Portfolio Recovery, and the Bank has issued credits totaling $168.37 to remove the previously assessed late fees and finance charges. These credits have posted to the account and brought the account balance to zero. Due to this account being reported as a charge off, Comenity Capital Bank has sent a request to the credit bureaus to delete the Haband account from your father’s credit bureau report. Please allow up to 45 days for this information to be updated in their records. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Laura R[redacted]
Dear [redacted]: We received your complaint, sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer account-related questions. Your complaint was forwarded to my...
attention and I appreciate the opportunity to assist you. Your complaint states that after opening the account in December 2015, you were assured that you would receive a card, a $25.00 coupon and a statement. You received a call in February 2016 and were told that the account was overdue. After explaining that you had not received anything from the Bank, the associate helped you pay off the purchases and waived the late fee. Since February 2016, you began receiving billing statements, however, they indicated you still had to pay the Bank. You say that you called and were advised that not all the late fees were removed from the account; only $30.00 and you had to pay the rest of the balance. You did not feel this was your fault and was the fault of the Bank for not sending you statements. After reading reviews online, you believe the Bank does not send statements and mislead you by saying the “late fee has been waived”, when it is not. It is your desired settlement to receive a $35.00 refund for the last payment you believe you were forced to pay. Bank records indicate that the account was opened on November 14, 2015. Upon opening an account, you are sent a credit card Welcome Package, which includes a $15.00 new account offer; not $25.00, and the Little Book of Offers. These items were mailed on November 16, 2015, to the address provided to the [redacted]. We have no record of receiving return mail from the post office that this material was undeliverable. You also charged $153.50 to your account on November 14, 2015. Please be aware, if there is a balance on the account, a minimum payment is required. A late fee is assessed if the payment is not received by the specified due date, or if the minimum amount is not received. A late fee is assessed after the due date has expired, and for this reason, it will appear on the next statement. Our records indicate late fees were being charged to you VICTORIA’S SECRET account because payment was not satisfied on your account. Below is a summary of the account statement summary, which includes the assessment of late fees and late payment information. I have also enclosed copies of the billing statements for your records. Statement summary: On December 2, 2015, a statement was mailed with a minimum payment of $25.00 due by December 28, 2015. A $25.00 late fee was added to the account because the minimum payment was not received. On January 2, 2016, a statement was mailed with a minimum payment of $30.00 due by January 28, 2016. A $30.00 late fee was added to the account because the minimum payment was not received. On February 2, 2016, a statement was mailed with a minimum payment of $40.00 due by February 28, 2016. A $30.00 late fee was credited to the account as promised, and a payment of $150.91 was received, thus leaving an unpaid balance. On March 2, 2016, a statement was mailed with a minimum payment of $25.00 due by March 28, 2016. A $25.00 late fee was added to the account because the minimum payment was not received. On April 2, 2016, a statement was mailed with a minimum payment of $30.00 due by April 28, 2016. A $30.00 late fee was added to the account because the minimum payment was not received. On May 2, 2016, a statement was mailed with a minimum payment of $35.00 due by May 28, 2016. On May 10, 2016, a $35.00 late fee was credited to the account as promised by the Bank associate and a $35.00 payment was received, thus, leaving a $23.82 balance. Bank records indicate that the statements mailed in December 2015, January 2016, and February 2016, were sent to the address of 1 River Court, Apt. 3201, Jersey City, NJ 07310-2013, and like the credit card Welcome Package, we have no record that these statements were returned to us as undeliverable by the post office. On February 2, 2016, the address was updated, as you requested to the address listed in your complaint. Enclosed are copies of the billing statements for your records. Although no Bank errors were found, as a courtesy, credits totaling $48.82 have been issued to your account to refund the additional late fees. Due to the way in which the credits were processed, you will receive two separate refund checks; $1.18 and $35.00 under separate cover within 14 days. In addition, we removed the reported late payment information from your account for February and May 2016. The credit bureaus have been notified of these changes. Please allow them 45 days to update your credit file. Furthermore, you were resent the Little Book of Offers on May 10, 2016, and it should be received in 7-10 business days. We also sent you a replacement card that should be received within two weeks. You are a valued customer and we hope this information is 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]
I requested that the trade line be deleted from my credit.. not for the delinquencies to be updated. I work in finance I understand how credit works.the lane Bryant account showing as closed on my credit affects my credit negatively .. I want the entire trade line deleted.
Regards, [redacted]
This is not helping the situation of your company collecting interest and adding fees to the account each month despite the fact I hadn't received account information how my supposed to pay fees when I haven't even gotten a bill in the mail I just got the first email Bill today I did not get any bills during that time and you feel that even though I was notified about the bills it's okay to charge her for those months that she didn'tget notified about a bill and interest charges so I'm not willing to pay that not at all you're going to have to meet me somewhere otherwise this will escalate to small claims court or in other some form not to threaten it you have lawyers I understand that's what they're there for but again I was a very loyal customer which you don't get notified about a bill and interest charges so I'm not willing to pay that not at all you're going to have to meet me somewhere otherwise this will escalate to small claims court or in other some form not to threaten it you have lawyers I understand that's what they're there for. Please submit me an offer about these late fees and then will will talk.
Regards,
[redacted]
We are in receipt of your complaint, addressed to the Revdex.com. Comenity Capital Bank issues Good Sam Camping World Visa® accounts, and we are here to respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity...
to assist with your concerns. We understand from your correspondence that you have concerns with the APR on your account, and also the re-occurring charges from, [redacted]. Comenity Capital Bank began financing Good Sam credit cards in August 2014, as part of the transfer, the account remained on the same terms agreed to with the previous lender until after Comenity Capital Bank mailed you a Change in Terms (CIT) notice. Comenity Capital Bank mailed you a new CIT notice regarding the changes to your account in December 2015. This notice detailed the new Annual Percentage Rate (APR), and that all purchases made prior to January 9, 2016, will remain on the previous terms. However, purchases made after this date would be subject to the new terms offered by Comenity Capital Bank. In order to have opted out of these new terms, you would have needed to make that request and closed your account within 45 days of receiving the notice. Our records indicate that your account was closed at your request on April 19, 2016. Additionally, our records indicate that we have changed the account number for you on numerous occasions, when you have reported unauthorized charges, and each card number has received charges from [redacted]. Please be advised that although Comenity Capital Bank issues your Good Sam Camping World Visa® account, any issue involving merchandise or services purchased with the card would need to be disputed directly with the company that the merchandise was purchased, or where service was received. We request that you contact [redacted] directly to see why charges have been billed to your account. We apologize for any confusion or inconvenience, and hope this information is helpful. If you have any further questions or concerns about this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely, Justina M[redacted]
Comenity Capital Bank has received your correspondence regarding the above-referencedaccount. Comenity Capital Bank issues the Lending Club Patient Solutions credit accounts. Weare here to answer your questions and assist with your concerns.Your complaint states that you financed dental treatment on...
your Lending Club Patient Solutionsaccount; however, you have not received the dental implants. You are requesting a refund of$1,500.00 for the unused portion of your $2,000.00 loan. We understand your concerns andapologize for any frustration or inconvenience this matter may have caused you.We received your dispute on July 12, 2017, in the amount of $1,500.00. Please be assured ourdispute resolution team is currently working to resolve your dispute. Please also be aware, disputeinvestigations may take up to ninety days to complete. Upon completion of our investigation, wewill notify you of our findings by mail. We appreciate your patience while we conduct ourinvestigation.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]Jenny W[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bankissues Pottery Barn Kids credit card accounts, and we respond toaccount-related questions. Your complaintwas forwarded to my attention, and...
I appreciate the opportunity to respond toyour concerns. We understand your concerns regarding your purchase for $2,517.50 that was placedon your account on January 3, 2015. Wefurther understand that you were supposed to receive double rewards as theoriginal purchase date was on November 3, 2015. I apologize for any inconvenience this matter may have caused you. We understand that on January 27, 2015, you were issued a letter that stated thatyou should receive your second reward certificate in 1-2 billing cycles afterthe charge was delayed and that reward was not received. Unfortunately, your purchase was not placedon the delayed shipment list and therefore, we had to manually add points toyour account to generate a second reward.Please be advised, that your reward certificate in the amount of $250.00 is attached atthe top of your May 2015 billing statement. We have enclosed a copy for your records. We hope this information is helpful. Shouldyou have any other questions or concerns regarding this account, please feelfree to contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely,[redacted]Consumer Relations Specialist
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Dear [redacted]:We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist youwith account-related questions. Your complaint was forwarded to my attention, and I...
appreciate theopportunity to respond to your concerns.We understand your concerns regarding payment(s) you previously made, and the reporting of youraccount with the credit-reporting agencies. We apologize for any frustration or inconvenience you mayhave experienced as a result of this situation.After a thorough review of your account, I am happy to share my findings with you.Bank records indicate that your VICTORIA’S SECRET account was permanently closed, written off, andreported to the credit-reporting agencies as an unpaid debt, on February 9, 2015, with a balance of $262.41.A payment of $10.00 was made on February 5, 2015, which included a $15.00 expedited payment fee. Thisfee was added to the balance and not included with the payment made. On this day, an additional paymentof $252.51 was set up and scheduled to withdraw from your personal checking account on February 25,2015.However, on February 11, 2015, this payment was deleted, as requested, and a new payment of $262.41was scheduled. This payment was to have paid the account balance in full. Regrettably, the previouspayment by phone fee was not waived and the account balance was not updated to reflect that the balancewas paid in full. Therefore, a small balance continued to report to the credit-reporting agencies.Please be assured that the balance has been removed from your VICTORIA’S SECRET account, andnotification has been sent to the credit-reporting agencies to indicate that the account is paid in full.However, please be aware that as your account charged off, the records will update to reflect “paid infull/was a charge off”. Please allow 45 days for the credit bureaus to update their records.We hope you find this information to be helpful. Should you have further questions or concerns, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]Consumer Relations SpecialistCC: Revdex.com
Comenity Bank has investigated this complaint and deemed it was resolved between the customer and the collection agency in March 2014 for less than the amount owed which was different than the amount stated in the complaint. The record indicates the account was opened on August 12, 2013 and billed...
to a certain address. December 13, 2014, Comenity received an address change/update to a PO Box. Comenity has found no errors or disputes regarding any errors thus believe the information provided is correct. As such, Comentiy Bank is unwilling to remove the derogatory information from the national credit reporting agencies
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 yourquestions and assist with your concerns.I understand from your complaint the address listed on your account...
was incorrect, causing anissue with the billing statement delivery. You also state that you returned the merchandise, andyou are requesting the late fees be removed and the account closed.Your account was registered through our online Account Center on September 8, 2008, whichprovides account holders the ability to view statements and make payments online. Additionally,you enrolled in paperless statements, meaning you will receive your statements online versuspostal mail. When enrolled in paperless statements, we will send you a monthly Statement-ReadyEmail (SRE) notifying you the statement is available to be viewed.The last SRE was sent on March 30, 2017, and we do not have record of emails being returnedas undeliverable from the email address you provided. If you wish to cancel your enrollment inpaperless statements, please log in to Account Center and update this preference, or contact ourCustomer Care department at ###-###-####.After a thorough investigation, Bank records indicate the account balance as of December 26,2016, was $66.64. A payment of $30.00 was received on December 29, 2016. Then the followingpurchases were applied to the account; January 8, 2017, a retail purchase for $194.60, andJanuary 9, 2017, a mail order purchase for $52.00. Returns were made January 12, 2017, for aretail return of $108.40, and on January 25, 2017, a mail order return of $52.00 was applied tothe account. A $20.00 payment was applied on January 26, 2017On January 30, 2017, a SRE was sent to [email protected] advising you your statement wasavailable to view.Since the minimum payment of $27.00 was not received by the February due date, a late fee andfinance charge were assessed to the account.Please be advised that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.On February 15, 2017, a credit of $72.00, for returned merchandise, was applied to the account.A $3.84 payment was applied on February 22, 2017. Please be aware the minimum payment isrequired even if a return is applied to your account.On February 27, 2017, a SRE was sent advising you the statement was available to be viewed.As no payment was received by the March due date, a late fee and finance charge were assessedto the account.On March 27, 2017, a SRE was sent advising you the statement was available to be viewed.Although there were no Bank errors, a credit of $27.00 was applied to the account in October2016, for the previously assessed late fee. As a result, your account is not eligible for an additionallate fee credit at this time. The balance as of the date of this letter is $85.12, and the account iscurrently two billing cycles past due. A payment of $33.16 is due by April 21, 2017.Please be assured that per your request, the Victoria’s Secret Angel credit card has been closed.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Shelley A[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Thank you so much for your help in this matter.
Regards,
[redacted]
We are in receipt of your complaint regarding the above-referenced account. Cornenity Bank issuesStage credit card accounts, and we respond to all account-related questions. Your complaint,addressed to the Revdex.com, was forwarded to my attention, and 1 appreciate theopportunity to...
respond to your concerns.We understand from your complaint, you have Stage, Goody's, and Lane Bryant credit card accountswith Comenity Bank, which are all in the Hardship Program. You contacted Cornenity Bank onSeptember 27, 2016, and requested to change your personal checking account information to yournew account information. The representative advised that only your Goody's and Lane Bryant creditcard accounts were enrolled in the hardship program, and updated the checking account informationon those accounts. However, your Stage account was also enrolled, and payments continued to bewithdrawn from your old personal checking account, which has placed that account in a negativestatus. You are requesting Comenity Bank to refund your account, and bring your account current.We have reviewed the issues in your complaint, as well as the applicable telephone conversations.We apologize that the checking account information was not properly updated on your Stage account.Please be assured, as of October 31, 2016, your checking account information was updated on yourStage account.Please be assured, on December 8, 2016, a credit was issued to your Stage account in the amountof $10.00 for the previously assessed returned check fee.Your complaint also mentions fees which were assessed by your personal banking institution. Pleasecontact me at the number below to discuss this matter.I hope you find this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####, ext. [redacted] (TDDTPTY ###-###-####). I would be happy toassist you.
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Stage credit card. We are here to answer your questions and assist with your concerns. Your correspondence states you charged $18.00 and...
paid on time. Your account was charged a late fee, which the Bank removed. However, you were charged another late fee for a $0.69 balance. You paid $10.00 on May 10, 2017, and the Bank will not remove the late fee. You state you are going to pay the account; however, you will never shop in a store that uses Comenity Bank or their credit cards. We apologize if you felt you did not receive the best customer service. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. A review of our records indicates a billing statement was issued on February 13, 2017, reflecting a balance of $67.27 and a minimum payment of $27.00 due by March 11, 2017. Payment of $68.00 was received on February 22, 2017. On this same day, you charged $19.69 to the account for a Petite Casual and Missy Traditional. A billing statement was issued on March 16, 2017, reflecting a balance of $18.96 and a minimum payment of $18.96 due by April 11, 2017. Payment of $18.00 was received on March 28, 2017, and was less than the full required minimum due. Therefore, a late fee of $18.96 was assessed to the account. On the same day as the payment, you also charged $9.73 for Junior Tops. 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 (CCA). A billing statement was issued on April 15 2017, reflecting a balance of $29.65 and a minimum payment of $27.00 due by May 11, 2017. As a courtesy, a late fee of $18.96 was credited to the account on April 24, 2017, and payment of $10.00 was received on May 9, 2017, leaving a balance of $0.69. Because the minimum payment due was $27.00, and only $10.00 was received, the account was assessed a $27.00 late fee. Copies of your statements are enclosed for your reference. Please note that payments are applied first to late fees and finance/minimum charges due on the account. The current balance on the account is $27.69 and a minimum payment of $27.00 is due by June 11, 2017. Our review of the account shows that there were no errors on the part of the Bank and the fee charged is valid. Therefore, there are no credits due to the account. The account was closed at your request on May 22, 2017. Please be advised, if the minimum monthly payments are not received, late fees will continue to be charged. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted] Compliance Dept. – Consumer Responses
Dear [redacted]We received a complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-dated questions. The complaint, addressed to the Revdex.com, wasforwarded to my...
attention, and I 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 28, 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
Hello Revdex.com,Please be advised that this complaint needs to be sent to Comenity Bank as it is regarding the customer's Angel Card credit account. This is solely managed by Comenity Bank and we do not have access, as a 3rd party, to resolve disputes regarding her credit card payments, billing...
statements, late fees, account status, ect.Sincerely,[redacted]Senior Customer Care SpecialistVictoria's Secret Digital/Stores
We received the complaint that you sent to the Revdex.com, regarding the above-noted accounts. Comenity Bank issues ANN TAYLOR and LOVE LOFT MasterCard® 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 address your concerns. We understand your concerns as explained in your correspondence. You opened an ANN TAYLOR credit card account in 2010. You entered active duty in 2013 and sent your orders to the Bank; the Bank complied and reduced the interest rate to 6%. In addition, you opened an ANN TAYLOR (LOVE LOFT) MasterCard® in 2016 and without your knowledge, the Bank closed the ANN TAYLOR card and transferred the balance to the new card. You state you have called three or four times to get it corrected. You request that the 6% interest rate remain on the balance that was transferred and you want all of the late fees from June 2016 to present removed. Our records indicate on November 26, 2010, the ANN TAYLOR credit card account ending in 7402 was opened. On March 5, 2016, the LOVE LOFT MasterCard® account ending in 9189, was opened. At the time the accounts were approved, the store associate should have issued a Credit Card Agreement (CCA), and Privacy Statement. Use of the accounts, or failure to close the accounts 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. Please be advised the application disclaimer states; if a customer currently has an ANN TAYLOR/LOVE LOFT credit card, when submitting the application for a MasterCard account, they are requesting an ANN TAYLOR/LOVE LOFT MasterCard® to replace their existing credit card. If approved, their existing account may be closed and any balance may be transferred to their new ANN TAYLOR/LOVE LOFT MasterCard® account. On March 20, 2016, the ANN TAYLOR credit card account was systematically closed due to the consolidation of the LOVE LOFT MasterCard® account and the $1,651.16 balance was transferred. On the same day, a confirmation letter was mailed to you, advising that these accounts were consolidated. Please be assured, we reduced the annual percentage rate (APR) on the ANN TAYLOR account. The reduced APR is applicable to debt incurred prior to your entry into active duty/active service. Since the balance was transferred, we have reduced the APR on the LOVE LOFT MasterCard® account in accordance with the provisions set forth in the Servicemembers Civil Relief Act (SCRA). In addition, credits totaling $288.19 have been issued to the LOVE LOFT MasterCard® account, for the fees that were previously assessed. Your monthly billing statements will reflect the 6% APR. This reduced APR is only applicable to debt incurred prior to your entry into active duty/active service. As indicated in your active duty orders, your date of entry into active duty was on October 1, 2013. As a reminder, you are required to make the minimum payment due each month as shown on your monthly billing statement. In the event you pay your credit card account in full, or your active duty status changes, your APR will revert to the terms as stated in your Credit Card Agreement. This will include your account being moved back to the original APR, and the reinstatement of any fees that were suspended during this program. Currently, the rate for new purchases is 25.24%; this rate will vary and is based on the prime rate. We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter. We hope you find this information helpful. Should you have any further questions or concerns, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you. Sincerely, Tionna M[redacted]Consumer Relations Specialist CC: Revdex.com
I don't care about the bank, all I am requesting is to have the fraudulent accounts created removed from my credit bureau. They should not be on there
Response is not research at all
its one of faq... I didn't say to remove my inquiry into said you guys denied
me for being unable to pull my credit ..please do some research
beforeport sending me a letter.once again how can you deny me for
not being able to pull my credit report equifax when fact is you guys did
on June 13 2015 I need to know why you denied me..please look at the reference
number for the denial letter [redacted]. once you pull my denial letter
you will know what I'm talking about. please id you cannot than I will upload
it for you...it clearly state reason for denial iS unable to pull credit bureau
report from Equifax but on June 13 2015 you guys pulled...Regards, [redacted]
Dear Ms. [redacted] Thank you for your recent complaint regarding the accounts noted above. Comenity Bank issues the above mentioned credit 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 opportunity to assist you. I understand from your complaint, you made a pay-by-phone payment with our Payment Solutions department on July 16, 2015, for your Lane Bryant Retail and Ashley Stewart® accounts. After receiving phone calls from our company, you were under the impression that the original payments of $75.00 and $50.00 secured on July 16, 2015, were unsuccessfully processed; therefore, the money was still available for payment. On Sunday, July 19, 2015, you made a payment of $100.00 at the Lane Bryant store. On Monday, July 20, 2015, you received an additional phone call from the Bank, in which you advised that a payment of $100.00 was made at the Lane Bryant Retail store on July 19, 2015, in-which you were told the payment should post within 24-48 hours. On July 21, 2015, you state that the original payments of $75.00 and $50.00 were deducted from your Bank, which caused you to incur a $35.00 overdraft fee, as well as placing your Bank account negative $195.00. Lastly, you state that you contacted Comenity Bank on July 22, 2015, and you were not pleased with the level of customer service that you were provided at that time. In order for your Bank to reverse the overdraft fees that you incurred due to this matter, you are requesting Comenity Bank reverse the payments of $75.00 and $50.00. The Bank has reviewed the issues in your complaint, as well as the applicable phone conversations. We apologize if you felt that you did not receive the best customer service. It is never the Bank’s intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. Please be assured, Comenity Bank has completed a thorough investigation into the above mentioned accounts. We apologize if you were provided with inaccurate information; however, based upon our records we are unable to locate any phone calls from July 18 or July 19, 2015, were you state, our representatives advised you that the payments of $75.00 and $50.00 did not go through. Bank records further indicate a pay by phone payment was secured with a Payment Solutions representative on July 16, 2015, with a payment date of July 17, 2015, for $75.00 on your Lane Bryant Retail credit card account, and $50.00 on your Ashley Stewart ® credit card account. Please note, once payments post to an account with Comenity Bank, the payment may take approximately 3-5 business days , to reflect as a deduction from your Bank account. We apologize for the inconvenience this matter may have caused you; however, we regret to inform you that we are unable to grant your request and reverse the payments of $75.00 and $50.00 back to your Bank account, due to this matter not being a Bank error. However, if you can provide documentation from your Bank, on Bank letterhead, that states Comenity Bank tried to withdrawal payments in the amount of $75.00 and $50.00, and that an error occurred on Comenity Bank’s end that hinder the payments from processing, we will be more than happy to review your account for additional processing. I hope you find this information to be helpful. Should you have additional questions or concerns about this issue, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Geanine M[redacted]
Dear [redacted] and [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband credit card accounts, and we are here to help with...
account-related questions. Your complaint, sent on behalf of your father [redacted] was forwarded to my attention, and I appreciate the opportunity to assist you. You state in your complaint that your father is deceased and there are erroneous charges on his account. You are requesting an explanation of the charges, the charges reversed, and the account closed. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please accept my condolences on the loss of your father. We understand that this must be a difficult time for you and your family. Thank you for speaking with me on December 11, 2015. Thank you for providing me your father’s death certificate and letter of Testamentary. Please be assured the above-referenced account has been notated accordingly, and the account has been closed. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. Haband VIP Plus is an optional service that is offered through Haband. This program offers a special introductory price of $1.99 for the first 30 days, and if the consumer does not call to cancel the membership within the first 30 days, the membership fee of $14.97 is automatically billed to the Haband account each month. Cancellation may be made at any time with no further obligation. We reached out to Haband, on your father’s behalf, and they confirmed the Haband VIP Plus membership was cancelled on April 11, 2015, and on April 17, 2015, credits totaling $44.91 were applied to the account to remove the Haband VIP Plus membership charges. On August 23, 2015, due to non-receipt of payment, the account was permanently closed and reported to the national credit-reporting agencies as an unpaid debt with a balance of $168.37. On November 23, 2015, the account was sold to Portfolio Recovery. Please be advised, the account has been bought back from Portfolio Recovery, and the Bank has issued credits totaling $168.37 to remove the previously assessed late fees and finance charges. These credits have posted to the account and brought the account balance to zero. Due to this account being reported as a charge off, Comenity Capital Bank has sent a request to the credit bureaus to delete the Haband account from your father’s credit bureau report. Please allow up to 45 days for this information to be updated in their records. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Laura R[redacted]
Dear [redacted]: We received your complaint, sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer account-related questions. Your complaint was forwarded to my...
attention and I appreciate the opportunity to assist you. Your complaint states that after opening the account in December 2015, you were assured that you would receive a card, a $25.00 coupon and a statement. You received a call in February 2016 and were told that the account was overdue. After explaining that you had not received anything from the Bank, the associate helped you pay off the purchases and waived the late fee. Since February 2016, you began receiving billing statements, however, they indicated you still had to pay the Bank. You say that you called and were advised that not all the late fees were removed from the account; only $30.00 and you had to pay the rest of the balance. You did not feel this was your fault and was the fault of the Bank for not sending you statements. After reading reviews online, you believe the Bank does not send statements and mislead you by saying the “late fee has been waived”, when it is not. It is your desired settlement to receive a $35.00 refund for the last payment you believe you were forced to pay. Bank records indicate that the account was opened on November 14, 2015. Upon opening an account, you are sent a credit card Welcome Package, which includes a $15.00 new account offer; not $25.00, and the Little Book of Offers. These items were mailed on November 16, 2015, to the address provided to the [redacted]. We have no record of receiving return mail from the post office that this material was undeliverable. You also charged $153.50 to your account on November 14, 2015. Please be aware, if there is a balance on the account, a minimum payment is required. A late fee is assessed if the payment is not received by the specified due date, or if the minimum amount is not received. A late fee is assessed after the due date has expired, and for this reason, it will appear on the next statement. Our records indicate late fees were being charged to you VICTORIA’S SECRET account because payment was not satisfied on your account. Below is a summary of the account statement summary, which includes the assessment of late fees and late payment information. I have also enclosed copies of the billing statements for your records. Statement summary: On December 2, 2015, a statement was mailed with a minimum payment of $25.00 due by December 28, 2015. A $25.00 late fee was added to the account because the minimum payment was not received. On January 2, 2016, a statement was mailed with a minimum payment of $30.00 due by January 28, 2016. A $30.00 late fee was added to the account because the minimum payment was not received. On February 2, 2016, a statement was mailed with a minimum payment of $40.00 due by February 28, 2016. A $30.00 late fee was credited to the account as promised, and a payment of $150.91 was received, thus leaving an unpaid balance. On March 2, 2016, a statement was mailed with a minimum payment of $25.00 due by March 28, 2016. A $25.00 late fee was added to the account because the minimum payment was not received. On April 2, 2016, a statement was mailed with a minimum payment of $30.00 due by April 28, 2016. A $30.00 late fee was added to the account because the minimum payment was not received. On May 2, 2016, a statement was mailed with a minimum payment of $35.00 due by May 28, 2016. On May 10, 2016, a $35.00 late fee was credited to the account as promised by the Bank associate and a $35.00 payment was received, thus, leaving a $23.82 balance. Bank records indicate that the statements mailed in December 2015, January 2016, and February 2016, were sent to the address of 1 River Court, Apt. 3201, Jersey City, NJ 07310-2013, and like the credit card Welcome Package, we have no record that these statements were returned to us as undeliverable by the post office. On February 2, 2016, the address was updated, as you requested to the address listed in your complaint. Enclosed are copies of the billing statements for your records. Although no Bank errors were found, as a courtesy, credits totaling $48.82 have been issued to your account to refund the additional late fees. Due to the way in which the credits were processed, you will receive two separate refund checks; $1.18 and $35.00 under separate cover within 14 days. In addition, we removed the reported late payment information from your account for February and May 2016. The credit bureaus have been notified of these changes. Please allow them 45 days to update your credit file. Furthermore, you were resent the Little Book of Offers on May 10, 2016, and it should be received in 7-10 business days. We also sent you a replacement card that should be received within two weeks. You are a valued customer and we hope this information is 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]
I requested that the trade line be deleted from my credit.. not for the delinquencies to be updated. I work in finance I understand how credit works.the lane Bryant account showing as closed on my credit affects my credit negatively .. I want the entire trade line deleted.
Regards, [redacted]