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]
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]
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
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
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]:Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret credit card accounts, we are here to answer account-related questions. Your complaint submitted to the Revdex.com was forwarded to my attention for review. I appreciate the opportunity...
to assist you.We understand from your complaint that you were injured from your job and lost employment in February 2015, which prevented you from making timely payments. You made attempts to pay the balance little by little. After being approved for Disability Social Security, you filed a claim with the Account Assure vendor, AON and the balance was paid in full. You have recently opened a new business and you are trying to rebuild your credit history, as well as move to a new location. Your credit report is indicating that the account is closed, not active or working, and you would like the Bank to reinstate the account back to an active status, like when you first established the account.Please be assured that we reviewed your account and we are happy to explain our findings.Bank records indicate that as a result of the account becoming two payments delinquent in January 2015, the credit limit was lowered to zero. Please note that when payment is not received, received after the payment due date, or the payment is made for less than the required minimum due, the account charging privileges may be suspended and the credit limit lowered to zero by the Bank, as explained in the Credit Card Agreement.As indicated in the complaint, the injury you sustained occurred February 21, 2015, which was a month after the credit limit was lowered to zero. The Account Assure claim was filed in November 2015 and the benefit paid your account balance in full on December 9, 2015.The Bank is unwilling to auto reinstate the credit limit on your account. You may contact our Customer Care team at any time to request a credit limit increase. They can be reached at ###-###-####. In doing so, please keep in mind that a credit bureau report may need reviewed to determine your eligibility for a credit limit increase.In addition, after review of the credit bureaus, we confirmed that Comenity Bank is not reporting the account as “closed”.We apologize for any frustration or inconvenience you have experienced, 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]
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 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 Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the HSN credit card account. We are here toanswer your questions and assist with your concerns.Your correspondence states that you are unable to log online to your...
account, even though youknow your username and password. You further state that you received notification that theaccount center website did not recognize your computer. You requested a code to be sent to youvia phone and email, but never received it. You state the issue is with the Bank, and not with you,and request that the Bank fix the access to your online account. We understand your concernsand apologize for any inconvenience or frustration this matter may have caused you.Bank records indicate that we previously received and responded to correspondence submittedto the Consumer Financial Protection Bureau, and the Bank, regarding this same matter. Pleasefind enclosed copies of our previous responses sent to you on January 4, 2018, and January 17,2018.I hope you found this information to be helpful. If you have any further questions or concerns,please feel free to contact me at 1-800-820-8932.Sincerely,Jenny V[redacted]Compliance Dept. – Consumer Responses
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
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]
Dear Ms. [redacted]We have 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.We understand from the complaint that you are being charged for the Account Assure Program, and you did not agree to the charges. You are requesting that all Account Assure Program charges assessed to the avenue® account be credited back. I will be happy to share my findings with you.After a thorough review of the above-referenced account, our records indicate that the account was opened on July 24, 2010, in the name of [redacted]. On September 20, 2010, the avenue® account was enrolled in the Account Assure Program via the web. Account Assure is a debt cancellation program with a monthly fee of $1.99 per $100.00 of your monthly statement balance. On March 11, 2016, the Account Assure Program was cancelled. Please be assured that a credit of $470.65 was issued to the account for all of the Account Assure Program charges assessed to the account. Additionally, after calculating the finance charges assessed on this amount, the Bank credited an additional $9.76 in finance charges.We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Renee S[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted account. As the bank that issues your Victoria’s Secret/PINK credit card, we are here to help answer all account-related questions. Your complaint was forwarded to my attention for...
review, and I appreciate the opportunity to assist you.Your complaint states that you returned two items to Victoria’s Secret in April/May 2015, in the amount of $75.29, and you have not received credit to your account. You also state that you contacted Victoria’s Secret regarding the credit and you were advised that the refund was issued in March, which was prior to the purchase. You have also stated that you were sent gift cards and have called every two weeks since May 1, and still no refund. You are requesting a credit of the merchandise to your account and you would like an extra gift card for the months of hassle to resolve this situation.Please be assured that after researching the Bank’s records and speaking with Victoria’s Secret, here is what we confirmed. The original purchase was made on March 28, 2015; however, both swimwear items were on backorder. The bathing suit top was processed on March 29, 2018, and shipped to you on March 30, 2015. At this time, your Victoria’s Secret/PINK credit account was charged $61.60. On March 30, 2015, the bathing suit bottom was processed, and shipped to you on March 31, 2015. At this time, your Victoria’s Secret/PINK credit account was charged $13.69. Both charges reflected on the April 2015 billing statement that was issued to you by Comenity Bank.On July 17, 2015, you contacted Victoria’s Secret stating that you had returned both items and did not receive credit. Although Victoria’s Secret showed no items being returned, you were issued a manual refund. Because the items were considered returned beyond 90 days of the purchase, you were advised that you would be issued merchandise credits in the amounts of $61.60 and $13.69.On August 19 and August 26, 2015, you contacted Victoria’s Secret stating that you did not receive the merchandise certificates. Therefore, new certificates were requested to be sent to you. The $61.60 was issued on August 27, 2015; however, the $13.69 was still pending in their system.In order to resolve this situation, Victoria’s Secret has voided both certificates and issued credits to your Victoria’s Secret/PINK account for $61.60 and $13.69. These credits will post to your credit card account within 3-5 business days.Please note that Victoria’s Secret was not able to redact the mailed certificate for $61.60 issued on August 27, 2015; however, the gift card has been voided. Therefore, please discard when received, as it no longer has any value.Comenity Bank and Victoria’s Secret respectfully decline your request for additional compensation. If you have further questions about the orders, returns, or credits, we encourage you to contact Victoria’s Secret directly at ###-###-####.You are a valued customer and we apologize for any confusion or inconvenience you have experienced as a result of this situation. If you have further questions about the account, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Bank issues OLD PUEBLO TRADERS® credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you. You state that you ordered two sweatshirts on October 22, 2015, and you paid $43.85 with a check. You further state that although you never requested a membership card, you are receiving bills. Additionally, the latest statement you received says that you owe $161.97. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please note that Old Pueblo Traders, and Comenity Bank are separate entities. The Bank issues and is responsible for addressing questions related to OLD PUEBLO TRADERS® credit card accounts. Old Pueblo Traders is responsible for handling matters related to sales, merchandise processing, returns and shipping. We have reviewed the account and we are happy to share our findings. Our records indicate that the above-referenced account was opened on October 21, 2015, when you contacted Old Pueblo Traders to place an order by telephone. You had been selected for a pre-approved credit card offer from Comenity Bank which was based upon information in your credit report which satisfied the Bank’s criteria for creditworthiness. At the time the order was placed, you would have been asked if you were interested in opening an OLD PUEBLO TRADERS® account, based on the pre-approved credit offer. The account was opened, and a purchase of $41.85 was placed. This purchase posted to the above-referenced account on October 24, 2015. The Old Pueblo Traders VIP Plus program is an optional service that is offered through Old Pueblo Traders. This program offers a special introductory price of $1.99 for the first 30 days, and if the customer does not call to cancel the membership within the first 30 days, the membership fee of $14.97 is automatically billed to the account each month. Cancellation may be made at any time with no further obligation. Our records also indicate that the account was billed for five Old Pueblo Traders VIP Plus charges at $14.97 each, and one Old Pueblo Traders VIP Plus introductory fee of $1.99. On November 8, 2015, a payment of $43.84 posted to the account, and on January 11, 2016, a payment of $14.97 posted to the account. On October 26, 2015, a billing statement was issued reflecting a balance of $43.84 and a minimum payment of $20.00, due by November 21, 2015. This balance consisted of the purchase for $41.85, and the introductory charge of $1.99 for The Old Pueblo Traders VIP Plus program. On November 8, 2015, a payment of $43.84 posted to your account. On July 15, 2016, four credits of $14.97 each posted to the account for the Old Pueblo Traders VIP Plus program. On July 31, 2016, our Billing Disputes team received correspondence regarding the balance on the account. In the interest of customer service, a credit of $142.51 was issued to the account. This credit posted to the account on August 5, 2016, and brought the account to a zero balance. On August 11, 2016, a letter was sent in response to your dispute advising that your account had been adjusted. We have enclosed a copy of this letter for your review. After thoroughly reviewing your account, the Bank issued additional credits to refund you for your payment of the Old Pueblo Traders VIP Plus program introductory charge of $1.99 and one monthly membership fee of $14.97. These adjustments have resulted in a credit balance of $16.96; therefore, a refund check has been requested. Please allow 14 days to receive the refund check, as it is being sent in a separate mailing. Because your complaint indicates that you were not aware that the account was opened when you placed an order with Old Pueblo Traders, we sent notification to the national credit-reporting agencies with instructions to have the account deleted from your credit bureau report. Please allow up to 45 days for this information to be updated in their records. You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free (888) 567-8688. You may also contact the credit-reporting agencies directly by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 (888) 397-3742 PO Box 390 Springfield, PA 19064 - 0390 (800) 916-8800 PO Box 740241 Atlanta, GA 30374 - 0241 (800) 685-1111 http://www.experian.com http://www.transunion.com http://www.equifax.com Should you later decide that you do wish to receive “prescreened” offers, you may remove the prohibition on use of your credit report information by notifying the above agencies. We hope you find this information helpful. If you have any further questions, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you. Sincerely, Laura R[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]
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 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.
We are in receipt of your complaint regarding the above-referenced account. Comenity Bank issues wayfair® credit card accounts, and we respond to all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity...
to respond to your concerns. In your complaint you state you ordered furniture from wayfair® and a problem occurred with your first monthly payment posting to your wayfair® credit card account. You state that you contacted Comenity Bank, and were advised the payment made on May 20, 2016, was returned with an error message of “incorrect information”. You then immediately paid the balance in full. A few weeks later you attempted to use the account; however, you were advised that the account was on hold, due to the returned payment. You have returned some merchandise and state you should have a refund of $177.00. You are requesting the $177.00 refund be sent via automated clearing house (ACH), and you feel you are owed interest for the delay in the credit posting to your way fair® account. We apologize for any inconvenience this matter may have caused you. Please note, I have attempted to contact you at the phone number ending in 6177, to verify information in-order to submit your refund electronically; unfortunately, my attempts have been unsuccessful. Therefore, I requested your refund to be sent to you via direct mail. Please be advised that since then, you have contacted the Bank and provided your personal account information and an electronic refund was requested for you on August 15, 2016. Therefore, we have placed a stop payment on the refund check that was issued by mail. Please destroy the check upon receipt. If the check is deposited, it will be returned unpaid, and may result in fees being assessed to your bank account. Comenity Bank would like to apologize for the inconvenience and frustration this matter may have caused you. Please note, when a payment has been returned on a new account, the system will automatically place a 90 day restriction/hold on the account. This hold prohibits the accountholder from making new purchases. Within the 90 day interval, the accountholder will have to build a valid payment history with Comenity Bank by making consecutive on-time payments for three months, or if there is no balance, three months of inactivity on the account.In addition, the Bank respectfully declines your request for interest on the refund.I hope you find this information to be helpful. If you have any additional questions or concerns, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I would be happy to assist you.Sincerely,Geanine M[redacted]Consumer Relations SpecialistCC: Revdex.com
Dear Ms. [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues BLAIR® credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I appreciate...
the opportunity to assist you. You state that you were away for two weeks in January 2016, and while you were away, you had your mail held. Although you made your payment soon after you returned home, your account was assessed a late fee. You further state that you contacted Customer Service, but the representative refused to credit the late fee. You wrote to the Bank on April 12, 2016, to request removal of the late fee; however, you have not received a response to your request. You are dissatisfied with the service that you received when you spoke with a representative of the Bank. You are requesting to have all late fee charges assessed to the account removed. We sincerely apologize for any inconvenience or frustration this matter may have caused you. We have reviewed the concerns in your complaint as well as the applicable telephone conversations. Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns. Comenity Capital Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum payment required, the account may be assessed a late fee, pursuant to the terms and conditions of the Credit Card Agreement. On April 18, 2016, our Billing Disputes team received your correspondence regarding the late fees assessed to the account. On April 19, 2016, one credit totaling $20.00 posted to the account. On April 20, 2016, a letter was sent, advising of the account balance. We have enclosed a copy of this response, for your review. In the interest of customer service, credits totaling $85.00 were issued to the account to remove the previously assessed late fees and finance charges. These credits posted to the account on July 5, 2016, and resulted in a zero balance. Notification was sent to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the BLAIR® account, from your credit bureau report. We can confirm that this information has been updated with the credit-reporting agencies. 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]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 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
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]
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
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
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]:Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret credit card accounts, we are here to answer account-related questions. Your complaint submitted to the Revdex.com was forwarded to my attention for review. I appreciate the opportunity...
to assist you.We understand from your complaint that you were injured from your job and lost employment in February 2015, which prevented you from making timely payments. You made attempts to pay the balance little by little. After being approved for Disability Social Security, you filed a claim with the Account Assure vendor, AON and the balance was paid in full. You have recently opened a new business and you are trying to rebuild your credit history, as well as move to a new location. Your credit report is indicating that the account is closed, not active or working, and you would like the Bank to reinstate the account back to an active status, like when you first established the account.Please be assured that we reviewed your account and we are happy to explain our findings.Bank records indicate that as a result of the account becoming two payments delinquent in January 2015, the credit limit was lowered to zero. Please note that when payment is not received, received after the payment due date, or the payment is made for less than the required minimum due, the account charging privileges may be suspended and the credit limit lowered to zero by the Bank, as explained in the Credit Card Agreement.As indicated in the complaint, the injury you sustained occurred February 21, 2015, which was a month after the credit limit was lowered to zero. The Account Assure claim was filed in November 2015 and the benefit paid your account balance in full on December 9, 2015.The Bank is unwilling to auto reinstate the credit limit on your account. You may contact our Customer Care team at any time to request a credit limit increase. They can be reached at ###-###-####. In doing so, please keep in mind that a credit bureau report may need reviewed to determine your eligibility for a credit limit increase.In addition, after review of the credit bureaus, we confirmed that Comenity Bank is not reporting the account as “closed”.We apologize for any frustration or inconvenience you have experienced, 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]
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 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 Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the HSN credit card account. We are here toanswer your questions and assist with your concerns.Your correspondence states that you are unable to log online to your...
account, even though youknow your username and password. You further state that you received notification that theaccount center website did not recognize your computer. You requested a code to be sent to youvia phone and email, but never received it. You state the issue is with the Bank, and not with you,and request that the Bank fix the access to your online account. We understand your concernsand apologize for any inconvenience or frustration this matter may have caused you.Bank records indicate that we previously received and responded to correspondence submittedto the Consumer Financial Protection Bureau, and the Bank, regarding this same matter. Pleasefind enclosed copies of our previous responses sent to you on January 4, 2018, and January 17,2018.I hope you found this information to be helpful. If you have any further questions or concerns,please feel free to contact me at 1-800-820-8932.Sincerely,Jenny V[redacted]Compliance Dept. – Consumer Responses
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
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]
Dear Ms. [redacted]We have 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.We understand from the complaint that you are being charged for the Account Assure Program, and you did not agree to the charges. You are requesting that all Account Assure Program charges assessed to the avenue® account be credited back. I will be happy to share my findings with you.After a thorough review of the above-referenced account, our records indicate that the account was opened on July 24, 2010, in the name of [redacted]. On September 20, 2010, the avenue® account was enrolled in the Account Assure Program via the web. Account Assure is a debt cancellation program with a monthly fee of $1.99 per $100.00 of your monthly statement balance. On March 11, 2016, the Account Assure Program was cancelled. Please be assured that a credit of $470.65 was issued to the account for all of the Account Assure Program charges assessed to the account. Additionally, after calculating the finance charges assessed on this amount, the Bank credited an additional $9.76 in finance charges.We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Renee S[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted account. As the bank that issues your Victoria’s Secret/PINK credit card, we are here to help answer all account-related questions. Your complaint was forwarded to my attention for...
review, and I appreciate the opportunity to assist you.Your complaint states that you returned two items to Victoria’s Secret in April/May 2015, in the amount of $75.29, and you have not received credit to your account. You also state that you contacted Victoria’s Secret regarding the credit and you were advised that the refund was issued in March, which was prior to the purchase. You have also stated that you were sent gift cards and have called every two weeks since May 1, and still no refund. You are requesting a credit of the merchandise to your account and you would like an extra gift card for the months of hassle to resolve this situation.Please be assured that after researching the Bank’s records and speaking with Victoria’s Secret, here is what we confirmed. The original purchase was made on March 28, 2015; however, both swimwear items were on backorder. The bathing suit top was processed on March 29, 2018, and shipped to you on March 30, 2015. At this time, your Victoria’s Secret/PINK credit account was charged $61.60. On March 30, 2015, the bathing suit bottom was processed, and shipped to you on March 31, 2015. At this time, your Victoria’s Secret/PINK credit account was charged $13.69. Both charges reflected on the April 2015 billing statement that was issued to you by Comenity Bank.On July 17, 2015, you contacted Victoria’s Secret stating that you had returned both items and did not receive credit. Although Victoria’s Secret showed no items being returned, you were issued a manual refund. Because the items were considered returned beyond 90 days of the purchase, you were advised that you would be issued merchandise credits in the amounts of $61.60 and $13.69.On August 19 and August 26, 2015, you contacted Victoria’s Secret stating that you did not receive the merchandise certificates. Therefore, new certificates were requested to be sent to you. The $61.60 was issued on August 27, 2015; however, the $13.69 was still pending in their system.In order to resolve this situation, Victoria’s Secret has voided both certificates and issued credits to your Victoria’s Secret/PINK account for $61.60 and $13.69. These credits will post to your credit card account within 3-5 business days.Please note that Victoria’s Secret was not able to redact the mailed certificate for $61.60 issued on August 27, 2015; however, the gift card has been voided. Therefore, please discard when received, as it no longer has any value.Comenity Bank and Victoria’s Secret respectfully decline your request for additional compensation. If you have further questions about the orders, returns, or credits, we encourage you to contact Victoria’s Secret directly at ###-###-####.You are a valued customer and we apologize for any confusion or inconvenience you have experienced as a result of this situation. If you have further questions about the account, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Bank issues OLD PUEBLO TRADERS® credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you. You state that you ordered two sweatshirts on October 22, 2015, and you paid $43.85 with a check. You further state that although you never requested a membership card, you are receiving bills. Additionally, the latest statement you received says that you owe $161.97. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please note that Old Pueblo Traders, and Comenity Bank are separate entities. The Bank issues and is responsible for addressing questions related to OLD PUEBLO TRADERS® credit card accounts. Old Pueblo Traders is responsible for handling matters related to sales, merchandise processing, returns and shipping. We have reviewed the account and we are happy to share our findings. Our records indicate that the above-referenced account was opened on October 21, 2015, when you contacted Old Pueblo Traders to place an order by telephone. You had been selected for a pre-approved credit card offer from Comenity Bank which was based upon information in your credit report which satisfied the Bank’s criteria for creditworthiness. At the time the order was placed, you would have been asked if you were interested in opening an OLD PUEBLO TRADERS® account, based on the pre-approved credit offer. The account was opened, and a purchase of $41.85 was placed. This purchase posted to the above-referenced account on October 24, 2015. The Old Pueblo Traders VIP Plus program is an optional service that is offered through Old Pueblo Traders. This program offers a special introductory price of $1.99 for the first 30 days, and if the customer does not call to cancel the membership within the first 30 days, the membership fee of $14.97 is automatically billed to the account each month. Cancellation may be made at any time with no further obligation. Our records also indicate that the account was billed for five Old Pueblo Traders VIP Plus charges at $14.97 each, and one Old Pueblo Traders VIP Plus introductory fee of $1.99. On November 8, 2015, a payment of $43.84 posted to the account, and on January 11, 2016, a payment of $14.97 posted to the account. On October 26, 2015, a billing statement was issued reflecting a balance of $43.84 and a minimum payment of $20.00, due by November 21, 2015. This balance consisted of the purchase for $41.85, and the introductory charge of $1.99 for The Old Pueblo Traders VIP Plus program. On November 8, 2015, a payment of $43.84 posted to your account. On July 15, 2016, four credits of $14.97 each posted to the account for the Old Pueblo Traders VIP Plus program. On July 31, 2016, our Billing Disputes team received correspondence regarding the balance on the account. In the interest of customer service, a credit of $142.51 was issued to the account. This credit posted to the account on August 5, 2016, and brought the account to a zero balance. On August 11, 2016, a letter was sent in response to your dispute advising that your account had been adjusted. We have enclosed a copy of this letter for your review. After thoroughly reviewing your account, the Bank issued additional credits to refund you for your payment of the Old Pueblo Traders VIP Plus program introductory charge of $1.99 and one monthly membership fee of $14.97. These adjustments have resulted in a credit balance of $16.96; therefore, a refund check has been requested. Please allow 14 days to receive the refund check, as it is being sent in a separate mailing. Because your complaint indicates that you were not aware that the account was opened when you placed an order with Old Pueblo Traders, we sent notification to the national credit-reporting agencies with instructions to have the account deleted from your credit bureau report. Please allow up to 45 days for this information to be updated in their records. You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free (888) 567-8688. You may also contact the credit-reporting agencies directly by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 (888) 397-3742 PO Box 390 Springfield, PA 19064 - 0390 (800) 916-8800 PO Box 740241 Atlanta, GA 30374 - 0241 (800) 685-1111 http://www.experian.com http://www.transunion.com http://www.equifax.com Should you later decide that you do wish to receive “prescreened” offers, you may remove the prohibition on use of your credit report information by notifying the above agencies. We hope you find this information helpful. If you have any further questions, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you. Sincerely, Laura R[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]
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 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.
We are in receipt of your complaint regarding the above-referenced account. Comenity Bank issues wayfair® credit card accounts, and we respond to all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity...
to respond to your concerns. In your complaint you state you ordered furniture from wayfair® and a problem occurred with your first monthly payment posting to your wayfair® credit card account. You state that you contacted Comenity Bank, and were advised the payment made on May 20, 2016, was returned with an error message of “incorrect information”. You then immediately paid the balance in full. A few weeks later you attempted to use the account; however, you were advised that the account was on hold, due to the returned payment. You have returned some merchandise and state you should have a refund of $177.00. You are requesting the $177.00 refund be sent via automated clearing house (ACH), and you feel you are owed interest for the delay in the credit posting to your way fair® account. We apologize for any inconvenience this matter may have caused you. Please note, I have attempted to contact you at the phone number ending in 6177, to verify information in-order to submit your refund electronically; unfortunately, my attempts have been unsuccessful. Therefore, I requested your refund to be sent to you via direct mail. Please be advised that since then, you have contacted the Bank and provided your personal account information and an electronic refund was requested for you on August 15, 2016. Therefore, we have placed a stop payment on the refund check that was issued by mail. Please destroy the check upon receipt. If the check is deposited, it will be returned unpaid, and may result in fees being assessed to your bank account. Comenity Bank would like to apologize for the inconvenience and frustration this matter may have caused you. Please note, when a payment has been returned on a new account, the system will automatically place a 90 day restriction/hold on the account. This hold prohibits the accountholder from making new purchases. Within the 90 day interval, the accountholder will have to build a valid payment history with Comenity Bank by making consecutive on-time payments for three months, or if there is no balance, three months of inactivity on the account.In addition, the Bank respectfully declines your request for interest on the refund.I hope you find this information to be helpful. If you have any additional questions or concerns, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I would be happy to assist you.Sincerely,Geanine M[redacted]Consumer Relations SpecialistCC: Revdex.com
Dear Ms. [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues BLAIR® credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I appreciate...
the opportunity to assist you. You state that you were away for two weeks in January 2016, and while you were away, you had your mail held. Although you made your payment soon after you returned home, your account was assessed a late fee. You further state that you contacted Customer Service, but the representative refused to credit the late fee. You wrote to the Bank on April 12, 2016, to request removal of the late fee; however, you have not received a response to your request. You are dissatisfied with the service that you received when you spoke with a representative of the Bank. You are requesting to have all late fee charges assessed to the account removed. We sincerely apologize for any inconvenience or frustration this matter may have caused you. We have reviewed the concerns in your complaint as well as the applicable telephone conversations. Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns. Comenity Capital Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum payment required, the account may be assessed a late fee, pursuant to the terms and conditions of the Credit Card Agreement. On April 18, 2016, our Billing Disputes team received your correspondence regarding the late fees assessed to the account. On April 19, 2016, one credit totaling $20.00 posted to the account. On April 20, 2016, a letter was sent, advising of the account balance. We have enclosed a copy of this response, for your review. In the interest of customer service, credits totaling $85.00 were issued to the account to remove the previously assessed late fees and finance charges. These credits posted to the account on July 5, 2016, and resulted in a zero balance. Notification was sent to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the BLAIR® account, from your credit bureau report. We can confirm that this information has been updated with the credit-reporting agencies. 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]