Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the LOVELOFT Mastercard credit card. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the Better...
Business Bureau, that youwere charged twice in the amount of $48.78 for returned merchandise. You state that youcontacted the Bank and were advised that you may go to the retail store to request the matter betaken care of. At that time a store associate called the Bank and you were advised to complete adispute form which would be mailed to you. You are requesting the Bank bring the accountbalance to zero and update the dispute process.We have reviewed the concerns in your correspondence as well as the applicable telephoneconversations. We apologize if you felt you did not receive the best customer service. We neverintend to treat our customers in a less-than-satisfactory manner. We are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.Please note Comenity Bank and LOFT are two separate entities. The Bank issues and isresponsible for addressing questions related to your credit card account. LOFT is responsible forhandling matters related to sales, merchandise processing, returns and shipping.After reviewing the account, our records indicate that retailer issued a return credit of $48.78 onMarch 16, 2017. Additionally, the retailer issued another return credit of $48.78 on March 24,2017.Please be assured, as of the date of this letter, the balance is zero.In regard to the Bank’s disputes process, a dispute form is mailed to the customer. Once the formis returned to the Bank, the dispute process is started. Please keep in mind that the disputeprocess may take up to 60 days for completion.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,Renee S[redacted]
Dear Ms. [redacted];We received your complaint, addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues your Full Beauty credit card account, and we are here to assist you with allaccount-related questions. I appreciate the opportunity to respond to your...
concerns.We understand from your complaint, you had a zero balance on your Full Beauty account, and had not madeany recent purchases, but received statements, which were thrown out. Once you viewed a statement, younotlced you had been charged for membership fees, late fees, and service charges You called the Bank, andthe Bank advised it would take a few months to resolve, but your complaint was an file, and someone wouldcontact you in the future for your results, You also state while the dispute was being reviewed you would becharged late fees You would like the membership fees to be removed, as well as the late fees, and servicecharges, and your account to be closed, with a zero balance.Please note that Comenity Bank and Full Beauty are two separate entities. The Bank issues and is responsiblefor addressing questions related to your credit card account. Full Beauty is responsible far handling mattersrelated to sales, merchandise processing, returns and shipping.Our records indicate on May 11, 2015, we received your dispute, regarding the $19.00 charge. On May 18,201 5, we sent a response stating that the charge for $19.00 was for the Shopper's Club and explained how tocancel this membership.Full Beauty records indicate that you enrolled in the Shopper's Club Membership, during an online purchase,February 17, 2013. The membership automatically renews per the terms and conditions the customer's agreeto when subscribing to the membership.We have contacted Full Beauty on your behalf and they have assured us that as of May 26, 2015, yourmembership has been canceled, and a credit of $19.00 was processed to your account on May 26,2015..As of the date of this letter, your account balance is $0.00 and the account has been closed per your request.Please be assured, notification has been sent to the national credit-reporting agencies with instructions todelete the negative payment information from your credit bureau report. Please allow them 45 days to updatetheir records.We sincerely apologize for the frustration and inconvenience this matter may have caused you. Should youhave any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted]{TDD/TTY ###-###-####]. I would be happy to assist you.Sincerely,[redacted]Consumer delations Specialist
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the Victoria’s Secret Angel and Wayfair Card credit card accounts. We are here to answer your questions and assist with your concerns. We...
understand from your correspondence that you applied for a Victoria’s Secret Angel and a Wayfair Card account and you were approved. However, you later received a letter from the Bank asking for documentation, which you sent. After receipt of your documentation, your accounts were closed, and you were advised the accounts could not be reopened. You are requesting that the accounts be reopened. We understand your concerns and apologize for any frustration or inconvenience this matter may have caused you. Bank records indicate that based on the information you provided, the accounts were permanently closed. We regret that we are unable to reopen your accounts; however, you may reapply. I hope you found this information to be helpful. Should you have any additional questions or concerns about the accounts, please contact our Account Protection Team at ###-###-####. Sincerely, Jenny W[redacted]
June 6, 2017Joseph K. McCaleb72 Field Crest DriveFranklin, OH 45005-4568RE: Victoria’s Secret Angel Credit Card Account Ending In 3728Victoria’s Secret Angel Credit Card Account Ending In 1997Buckle Credit Card Account Ending In 6812Revdex.com Complaint ID #11732721Dear Jospeh McCaleb:Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel and the Buckle credit card. We are here to answer your questions and assist with your concerns.Your correspondence states that you have thousands of dollars in charges on your Victoria’s Secret Angel account, and you have no resolution to an investigation. You further state, you have a Buckle account which has a $250.00 unauthorized charge. It is your request to dispute the charges.We reviewed your concerns and we want to share our findings with regard to the Victoria’s Secret Angel account. Our records indicate you already filed a fraud claim on the charges to the account ending in 3728, and fraud case number 20170216-112 was opened on February 2, 2017. Joy Tice was the investigator assigned to the case and completed the investigation. On April 6, 2017, you were found responsible for the charges. The balance of $2,391.58 was transferred to a new credit card, account number ending in 1997. A response letter, dated April 7, 2017, was mailed to you. Enclosed is a copy of the letter for your records. The Bank’s decision remains unchanged and the charges remain valid.With regard to the Buckle account, please be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number [redacted] was opened on June 2, 2017. Ambrosha W[redacted] is the investigator assigned to your case. The investigation may take up to 90 days to be completed, and you will be notified by mail of the outcome. The Buckle account has been closed to prevent any further charges.If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:1. You have the right to place a fraud alert on your credit reports. A fraud alert tells creditors to contact you before they open any new accounts or change your existing accounts. To do this, you can contact any one of the consumer reporting companies mentioned below.If you contact any one of them, the one you contact is required to notify the other two toplace an alert on their files as well.[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]2. Identity theft is a crime. You can file a report with your local police or the police departmentin the community where the crime took place. Many police departments have a specialIdentity Theft Report, which is a police report with more than the usual amount of detail. Ifthe detailed Identity Theft Report is available, we recommend you obtain a copy in orderto protect your rights.3. You can go to the Federal Trade Commission website on identity theft:www.ftc.gov/idtheft. It contains additional information and will refer you to resources thatcould be helpful in dealing with your situation.I hope you found this information to be helpful. Should you have any additional questions orconcerns about the investigation, please contact our Account Protection Team at (800) 888-1726.Sincerely,Shawnda Y[redacted]Compliance Dept. – Consumer ResponsesEnclosurecc: Revdex.com
Comenity Bank has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the avenue®
credit card. We are here to answer your questions and assist with your
concerns....
We understand from your complaint that you
opened an avenue® credit card to
receive a discount on a purchase. The
mailing address was incorrect and you did not receive your billing statements,
therefore the balance was assessed late fees.
When you received the billing statement you paid the balance in full and
a late fee, however the balance was assessed additional late fees. You request the balance be zero and for your
credit report to be updated in regards to this matter. I am happy to share my findings.
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.
Bank records indicate that you spoke with the
Bank on August 23, 2016, regarding the billing statements you did not receive
that were issued on June 20, 2016, July 21, 2016 and August 21, 2016. On this call, the late fees previously
assessed were waived in the amount of $59.00, and your billing address was
updated. In addition to, the payment
history was updated due to you not receiving the billing statements.
The billing statement issued September 20,
2016, included the charge for $18.00 for the magazine and the remaining finance
charges and Account Assure fees. The
balance on this statement was $32.40, with a minimum due payment of $27.00 due
by October 16, 2016. On September 26,
2016, there was a charge for an
additional magazine of $66.00. Once you
cancelled the magazine charges with avenue®,
you received credits of $84.00. The
billing statement issued October 21, 2016, had a balance and minimum due
payment of $14.40 due by November 16, 2016.
A payment of $14.14 was received, because the payment did not meet the
minimum payment required a late fee was assessed. An additional statement was issued November
20, 2016 with a balance and minimum payment of $14.66 due by December 16, 2016.
No payment was made and a late fee was assessed. A statement was issued December 21, 2016,
with a balance of $30.32.
Please be advised in the interest of customer
service we have credited the account for the $30.32 in Bank fees. Additionally, no negative payment information
reported to the credit bureaus, as a result of this matter.
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,
Kajia M[redacted]
Dear [redacted] We have received the complaint that you sent to the Revdex.com regarding the above-noted account. Comenity Bank issues Bealls credit card accounts, and we are here to help answer your account-related questions. Your complaint was...
forwarded to my attention, and I appreciate the opportunity to assist you with your concerns. You state that you have overpaid your Bealls credit card bill, and that you mailed out proof that you had been overcharged and that you have called and emailed the Bank numerous times. You further state that you disagree with your statement, and that you are still being overcharged on the account and nothing has gotten resolved. You are requesting for your balance to be credited to zero. We sincerely apologize for any frustration this matter may have caused you. We have reviewed your account and are happy to share our findings. Please find enclosed copies of your October 2012 through May 2015 monthly billing statements, and a table listing all transactions applied to the account during this time period. Our records indicate that on December 31, 2013, you sent in a copy of your billing statement and a print out from the website of your transactions. On this correspondence, you wrote your name, last for digits of your social security number, date of birth, and your Bealls credit card account number. As this was the only information provided regarding your dispute, on January 1, 2014, a letter was issued to you stating that some information necessary to investigate your dispute was missing. The letter requested that you please re-submit your request including: your name, address, and account numberthe disputed amount or specific transactiona brief explanation about why you are disputing the charge. A letter was sent to you by the Bank on March 31, 2015, providing a listing of your transactions from June 24, 2014, through March 25, 2015, and stating that the balance was valid, but requesting you to provide more information if you were still disputing. We have enclosed a copy of the letter sent on March 31, 2015, for your review. On April 20, 2015, the Bank received another letter from you regarding your account balance. In your correspondence you stated that you overpaid your account by $68.08. A review of transactions on your account from the months of October 2012 through May 2015 indicates the following:Purchases = $1,619.50Payments = $1,334.38Returns and Credits = $212.17Finance Charges = $174.07Late Fees = $128.00Account Assure = $33.94. On May 22, 2015, you spoke with a representative from our Customer Care team, and you stated that you were having problems making your payment online. During the conversation, the representative stated that she was willing to remove the late fee. Please be assured, a credit of $27.00 has been issued to remove the late fee that was assessed in May 2015. This credit has posted to your account on June 20, 2015. Your balance, as of today’s date is $381.96. After thoroughly reviewing your account, we find the balance to be valid; however, in the interest of customer service we have issued additional credits totaling $51.00 to remove the late fees which were assessed to the account in January 2015 and April 2015. These credits will appear on one of your next two billing statements. We value you as a customer, and we hope you find this information to be helpful. Should you have questions or concerns regarding this letter, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
[redacted] Consumer Relations Specialist
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Woman Within Credit Card. We are here to answer your questions and assist with your concerns. We understand the concerns as explained in your correspondence. You ordered leggings and paid the bill, but were charged a $22.00 late fee. A credit of $21.56 was issued for the fee, leaving a balance of $0.44, which resulted the account being charged another late fee. You are requesting the late fee be credited. 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. The account billed on December 22, 2016, with a balance of $22.55, and a minimum payment of $20.00, due by January 17, 2017. No payment was received by the due date, so a $20.00 late fee and a $2.00 finance charge were assessed to the account. The account billed on January 22, 2017, with a balance of $44.55, and a minimum payment of $25.00, due by February 17, 2017. On February 1, 2017, a payment of $22.55 was received and the account was credited $21.56 for the late fee an part of the finance charge. Because the full minimum payment of $25.00 was not received, nor was the account balance paid in full, a $25.00 late fee was assessed to the account, resulting an outstanding balance of $25.44. In the interest of customer service, a credit of $25.44 has been issued to the account, for the late fee and finance charge that were previously assessed. As of the date of this letter, the account balance is zero. We value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you. 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, Tionna M[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the west elm credit card. We are here to answer your questions and assist with your concerns.
We understand from your correspondence, you recently signed up for a west elm credit card. ...
You state you were offered a sign on bonus of $50.00, which you have not received. You further state you were offered $25.00 per $250.00 spent; however, when you called to check on the status of the rewards, you were advised it takes a while to process. You were also offered a 15% discount when you provided your email address. You did receive free shipping on the second item ordered; however, you feel this is misleading advertising practices since the 15%, as well as the sign on bonus, were supposed to be applied immediately. You are requesting that the Bank credit the sign on bonus, as well as the other bonuses, and apply them to the balance on your account.
The Bank would like to congratulate you on your new account with west elm, and thank you for contacting the Revdex.com regarding your concerns. At this time, we would like to explain our findings.
Please note Comenity Bank and west elm are two separate entities. The Bank issues, and is responsible for addressing questions related to, your credit card account. West elm is responsible for handling matters related to sales, merchandise processing, returns, and shipping. The Reward Dollars Program is provided by west elm, which is solely responsible for the Program operation, and may change the terms and conditions of the Program at any time.
The Reward Dollars Program offers new members the following:
• Special welcome offer of $50 bonus Reward Dollars
• Earn $25 for every $250 spent or opt for 12 months special financing on purchases of $750 or more
• $25 bonus Reward Dollars on your birthday
• Double and bonus reward opportunities
• Annual Friends + Family shopping event
• Exclusive cardholder only customer service line
As explained in the Rewards Terms + Conditions section on www.westelm.com, you earn one point for every dollar spent with your west elm credit card, and you will receive $25.00 in Reward Dollars for every $250.00 spent. Reward Dollars cannot be applied to past purchases and must be used in conjunction with a new order. In addition, Reward Dollars are issued monthly depending on your balance at the close of business every billing cycle, and will be sent to you within 4-6 weeks.
Bank records indicate $50.00 in Reward Dollars were issued on November 23, 2016, and should arrive within the above-noted timeframe of 4-6 weeks.
With regard to the 15% discount offered for submitting your e-mail address, this offer is provided by west elm and allows an additional discount on your next purchase. The Bank is unwilling to credit your account for the above offers; however, you may contact west elm at the number provided below regarding the terms and conditions of their Reward Dollars Program and discounts.
I hope you have found this information to be helpful. If you have any questions or concerns about the Reward Dollars Program, please feel free to contact west elm at ###-###-#### for assistance.
Sincerely,
Jack Cantrell
Jack Cantrell
Compliance Dept. – Consumer Responses
cc: Revdex.com
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Although your offices continuously fail to acknowledge that Comenity Bank/Lane Bryant is in the wrong for the way that they have treated me, yes complaints have already been established with the agenciesthat you recommended. The company is clearly trying to cover its basis because of their wrong doing.I realize that your offices do not have all of the documents that clarify my complaint against them BUTthey do and their poor attempt to keep your offices at bay shows this-which justifies my concerns to theyour State Attorney General's office.
Dear Ms. [redacted]:We received your complaint submitted to the Revdex.com regarding the above-referenced account.As the bank that issues BrylaneHame@ credit card accounts, we respond to all account-related questions.Your correspondence was forwarded to my attention, and I appreciate the...
opportunity to respond to yourconcerns.We understand from your complaint that Comenity Bank sent you a letter stating your payment was returned,and there was a fee of $20.00 added to the balance. You called your financial institution and were advised thatno payment was returned. You state that when you spoke with an associate of Comenity Bank, we advised itcould have been an error on your part, and the $20,00 returned payment fee wwld not be waived. You weretold the late fee would be waived, but when you checked your account, you see it was not. You would like youraccount closed and the fee to be waived.Cornenity Bank's online Account Center is a great resource for our customers to manage their accounts andI'm disappointed to hear that you have had a bad experience with the site and Comenity Bank. I would behappy to talk with you and assist you with any concerns that you may be experiencing with Account Center orComenity Bank.I attempted to contact you on July 1, 2015; however, I reached your voicemail and left a message. I am happyto share my findings.Please be advised that the payment you remitted via Account Center on May 20, 201 5, for $30.00 was returnedto us as "unable to locate". This will occur if an incorrect routing or account number are entered. Addittonally,please understand, if incorrect account information is entered, your financtal institution would have no record ofthe payment. This payment was debited back to your account, along with a $20.00 returned payment feeIn the interest of customer service, I have issued credit for the returned payment fee of $20.00, as a one-timecourtesy. No late fees have been assessed to your account.We are sorry you wish to close your 6rylaneHome-B account, as you are a valued customer. However, asrequested, the account was closed on July 2, 2015.I hope you have found this information to be helpful Should you have any additional questions, please do nothesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assistyou.Sincerely, [redacted]Consumer Relations
it did not resolve my complaint. As my wife's name is on this credit card, I am still responsible for 50% of her debt. So these add on fees affect me as well. For this bank not to speak to me and help me out taking these fees off is absurd. I am responsible for this account as much as my wife is.
Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards,
[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.You state you have been trying to pay your bill for at least six months and...
you have been passed around to people who can’t help you process your payment. You state you called TransUnion in an attempt to have them contact someone so you could make a payment; however, the attempts were unsuccessful. You do not feel safe sending a large check without talking to someone first about your growing bill. You are requesting to talk to the company, pay your bill in the proper amount, and have the account removed from your credit bureau after it is paid. We have reviewed your account and we are happy to share our findings. We have enclosed copies of your monthly billing statements, for your review. Your monthly billing statements were mailed to the address of [redacted] Boulevard, Apartment [redacted], Kansas City, Missouri 64106. We have no record of the statements being returned by the post office. 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, a late fee and finance charge may be assessed to the account, as explained in the Credit Card Agreement. Our records indicate a purchase of $43.54 posted to the account on November 5, 2015. On November 16, 2015, a billing statement was issued reflecting a balance of $43.54, and a minimum payment of $25.00 due by December 12, 2015. As no payment was received, a late fee and a finance charge were assessed to the account. On December 17, 2015, a billing statement was issued reflecting a balance of $69.58, and a minimum payment of $30.00 due by January 12, 2016. As no payment was received, another late fee and a finance charge were assessed to the account. Statements continued to be sent monthly and, as no payments were received, late fees and finance charges continued to be assessed. On June 16, 2016, due to non-receipt of payment, the account was permanently closed, written off, and reported to the credit reporting agencies as an unpaid debt with a balance of $297.43. On June 22, 2016, the account was sold to [redacted] Group. Although we find the balance to be valid, in the interest of customer service, the Bank has made the decision to not hold you responsible for account balance of $297.43. We are in the process of purchasing your account back from [redacted] Group. Once the process is complete, we will issue credits for the purchase of $43.54 and any accrued late fees and finance charges to bring the account to a zero balance. We will also submit a request to the credit reporting agencies to delete the account from your credit file. 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, Laura R[redacted] Laura R[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosures
January 23, 2017[redacted]
[redacted]
[redacted]
[redacted]
[redacted]Dear [redacted]:Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assist with your concerns.We understand the concerns as noted in the correspondence, regarding charges billed to your account for Account Assure. We apologize for any inconvenience this matter may have caused you.Account Assure is an optional product that is offered to our customers. Our records indicate that you elected to be enrolled into Account Assure on October 17, 2013, when you called to confirm the receipt of your EXPRESS NEXT credit card. During the conversation, you were provided with details regarding Account Assure and to confirm your acceptance of Account Assure, your full account number, name, and address were verified.On December 30, 2016 your Account Assure enrollment was cancelled. Please be assured that a credit of $208.37 was applied to your account to credit the remainder all of the Account Assure premiums you were charged since your enrollment. In addition, a credit for $4.60 was issued to your account for finance charges. These adjustments will appear on your next two billing statements.We hope the information provided is helpful. Should you have any additional questions or concerns regarding this letter, please contact me at [redacted]. I would be happy to assist you.Sincerely,[redacted]
[redacted]
[redacted]
Hello,I am responding on behalf of Revdex.com Concern #11027123. This client was upset about a $25 fee incurred on her Ann Taylor account due to a failed payment issue. To research this concern further we connected with Comenity Bank which manages and operates the Ann Taylor credit card. It was determined...
that the client's initial payment attempt was unsuccessful due to an incorrect checking/banking number being entered during payment. As such the payment failed and a $25 fee was applied to the client.In the interest of customer service we have had a representative from Comenity reach out to the client directly on 1/6/16 and explain the situation. In addition they have removed the fees accrued due to this error. Our offices have also sent the client written confirmation on 1/7/16 of the above and advised on the resolution provided by Comenity Bank. I have invited the client to inform us should she encounter any further account related concerns.Sincerely, Rob L[redacted]Assistant Manager, Corporate Client ContactANN INC. / Ann Taylor
Thank you for contacting Comenity Bank regarding the above-referenced account. As the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questions. Your letter, submitted to the Revdex.com, was forwarded to my attention for review, and I...
appreciate the opportunity to assist you.We understand from your complaint that you accumulated enough points to receive a $10.00 and $20.00 Reward Certificate. Unfortunately, you did not receive the rewards and contacted the Bank, which you were told they would be mailed out again. Additionally, you were offered the Reward Certificate numbers; however, one had expired and the other was expiring soon after. As compensation, you were to receive a $30.00 credit to your account, which you have not seen posted. You did however notice a finance charge. You would like the Bank to honor their promise and send you the Reward Certificates or process the $30.00 credit to your account. You also have asked for an additional credit for the inconvenience you have experienced.Please be assured that we have reviewed your Victoria’s Secret/PINK account. Our research concludes that you did earn Rewards Certificates on August 7 and September 6, 2015. Furthermore, we show that you moved and changed your address in September 2015, so the rewards were sent to the old address. You contacted the Bank on November 20, 2015, and our associate filed a request to replace one of the rewards. We apologize; however, reward replacements can take 4-7 weeks to arrive.In addition, you contacted the Bank on December 4, 2015 and, for the inconvenience a $20.00 credit adjustment was issued to the account. Because this credit was applied after your December bill date, the credit will reflect on your January 2016 billing statement. Also, we are happy to issue the remaining $10.00 credit adjustment to your account. Please be advised that this credit will also reflect on the January 2016 billing statement.Again, we sincerely apologize for the frustration and inconvenience you have experienced, and we hope this information is helpful. If you any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues Boscov’s credit cards. We are here to answer your questions and assist with your concerns. We understand from your complaint on January 8, 2017, you...
made a purchase for $47.68. You state that you logged on online and made a payment for $47.68, and the balance was zero. In February you received a bill with a balance of $47.68. You contacted the Bank on February 17, 2017, to inquire about the balance and you were advised to pay the $47.68. You are requesting to have the $47.68 returned to you. We apologize for the inconvenience this matter may have caused you. Bank records indicate that on December 18, 2016, a purchase for $15.90 and $10.59 was applied to your account. On December 19, 2016, a purchase of $21.19 was applied to your account. The January 2017 billing statement was issued with a balance of $47.68, with a minimum payment of $25.00 due by January 27, 2017. Your payment of $47.68 was received on January 19, 2017. On January 8, 2017, a purchase for $47.68 was applied to your account. The February 2017 billing statement was issued with a balance of $47.68, with a minimum payment of $25.00 due by February 27, 2017. Your payment of $47.68 was received on February 24, 2017. We have enclosed copies of your January and February billing statement for you to view. When you contacted the Bank on February 20, 2017, our associate processed a billing dispute in error, as the account did not indicate duplicate charges of $47.68. Coincidently the three small charges in December equate to the same amount as the purchase in January. Therefore, you were sent a letter advising that no duplicate charges were found. In addition, while your account was in dispute a provisional credit was issued to your account for $47.68, creating a credit balance. On April 26, 2017, a refund check was issued to you on your account in error. Please be advised that if this refund check is cashed, your account balance will remain $47.68. If you would like for the Bank to cancel the refund check to zero out your account balance, please contact the Bank at the number listed on the next page, to advise. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. �...⇄ Sincerely, Ashley H[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the LOVELOFT Mastercard credit card. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the Better...
Business Bureau, that youwere charged twice in the amount of $48.78 for returned merchandise. You state that youcontacted the Bank and were advised that you may go to the retail store to request the matter betaken care of. At that time a store associate called the Bank and you were advised to complete adispute form which would be mailed to you. You are requesting the Bank bring the accountbalance to zero and update the dispute process.We have reviewed the concerns in your correspondence as well as the applicable telephoneconversations. We apologize if you felt you did not receive the best customer service. We neverintend to treat our customers in a less-than-satisfactory manner. We are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.Please note Comenity Bank and LOFT are two separate entities. The Bank issues and isresponsible for addressing questions related to your credit card account. LOFT is responsible forhandling matters related to sales, merchandise processing, returns and shipping.After reviewing the account, our records indicate that retailer issued a return credit of $48.78 onMarch 16, 2017. Additionally, the retailer issued another return credit of $48.78 on March 24,2017.Please be assured, as of the date of this letter, the balance is zero.In regard to the Bank’s disputes process, a dispute form is mailed to the customer. Once the formis returned to the Bank, the dispute process is started. Please keep in mind that the disputeprocess may take up to 60 days for completion.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,Renee S[redacted]
Dear Ms. [redacted];We received your complaint, addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues your Full Beauty credit card account, and we are here to assist you with allaccount-related questions. I appreciate the opportunity to respond to your...
concerns.We understand from your complaint, you had a zero balance on your Full Beauty account, and had not madeany recent purchases, but received statements, which were thrown out. Once you viewed a statement, younotlced you had been charged for membership fees, late fees, and service charges You called the Bank, andthe Bank advised it would take a few months to resolve, but your complaint was an file, and someone wouldcontact you in the future for your results, You also state while the dispute was being reviewed you would becharged late fees You would like the membership fees to be removed, as well as the late fees, and servicecharges, and your account to be closed, with a zero balance.Please note that Comenity Bank and Full Beauty are two separate entities. The Bank issues and is responsiblefor addressing questions related to your credit card account. Full Beauty is responsible far handling mattersrelated to sales, merchandise processing, returns and shipping.Our records indicate on May 11, 2015, we received your dispute, regarding the $19.00 charge. On May 18,201 5, we sent a response stating that the charge for $19.00 was for the Shopper's Club and explained how tocancel this membership.Full Beauty records indicate that you enrolled in the Shopper's Club Membership, during an online purchase,February 17, 2013. The membership automatically renews per the terms and conditions the customer's agreeto when subscribing to the membership.We have contacted Full Beauty on your behalf and they have assured us that as of May 26, 2015, yourmembership has been canceled, and a credit of $19.00 was processed to your account on May 26,2015..As of the date of this letter, your account balance is $0.00 and the account has been closed per your request.Please be assured, notification has been sent to the national credit-reporting agencies with instructions todelete the negative payment information from your credit bureau report. Please allow them 45 days to updatetheir records.We sincerely apologize for the frustration and inconvenience this matter may have caused you. Should youhave any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted]{TDD/TTY ###-###-####]. I would be happy to assist you.Sincerely,[redacted]Consumer delations Specialist
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the Victoria’s Secret Angel and Wayfair Card credit card accounts. We are here to answer your questions and assist with your concerns. We...
understand from your correspondence that you applied for a Victoria’s Secret Angel and a Wayfair Card account and you were approved. However, you later received a letter from the Bank asking for documentation, which you sent. After receipt of your documentation, your accounts were closed, and you were advised the accounts could not be reopened. You are requesting that the accounts be reopened. We understand your concerns and apologize for any frustration or inconvenience this matter may have caused you. Bank records indicate that based on the information you provided, the accounts were permanently closed. We regret that we are unable to reopen your accounts; however, you may reapply. I hope you found this information to be helpful. Should you have any additional questions or concerns about the accounts, please contact our Account Protection Team at ###-###-####. Sincerely, Jenny W[redacted]
Consumer contacted Revdex.com stating issue is resolved.
June 6, 2017Joseph K. McCaleb72 Field Crest DriveFranklin, OH 45005-4568RE: Victoria’s Secret Angel Credit Card Account Ending In 3728Victoria’s Secret Angel Credit Card Account Ending In 1997Buckle Credit Card Account Ending In 6812Revdex.com Complaint ID #11732721Dear Jospeh McCaleb:Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel and the Buckle credit card. We are here to answer your questions and assist with your concerns.Your correspondence states that you have thousands of dollars in charges on your Victoria’s Secret Angel account, and you have no resolution to an investigation. You further state, you have a Buckle account which has a $250.00 unauthorized charge. It is your request to dispute the charges.We reviewed your concerns and we want to share our findings with regard to the Victoria’s Secret Angel account. Our records indicate you already filed a fraud claim on the charges to the account ending in 3728, and fraud case number 20170216-112 was opened on February 2, 2017. Joy Tice was the investigator assigned to the case and completed the investigation. On April 6, 2017, you were found responsible for the charges. The balance of $2,391.58 was transferred to a new credit card, account number ending in 1997. A response letter, dated April 7, 2017, was mailed to you. Enclosed is a copy of the letter for your records. The Bank’s decision remains unchanged and the charges remain valid.With regard to the Buckle account, please be assured your concerns have been forwarded to our Account Protection (Fraud) Team, and fraud case number [redacted] was opened on June 2, 2017. Ambrosha W[redacted] is the investigator assigned to your case. The investigation may take up to 90 days to be completed, and you will be notified by mail of the outcome. The Buckle account has been closed to prevent any further charges.If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:1. You have the right to place a fraud alert on your credit reports. A fraud alert tells creditors to contact you before they open any new accounts or change your existing accounts. To do this, you can contact any one of the consumer reporting companies mentioned below.If you contact any one of them, the one you contact is required to notify the other two toplace an alert on their files as well.[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]2. Identity theft is a crime. You can file a report with your local police or the police departmentin the community where the crime took place. Many police departments have a specialIdentity Theft Report, which is a police report with more than the usual amount of detail. Ifthe detailed Identity Theft Report is available, we recommend you obtain a copy in orderto protect your rights.3. You can go to the Federal Trade Commission website on identity theft:www.ftc.gov/idtheft. It contains additional information and will refer you to resources thatcould be helpful in dealing with your situation.I hope you found this information to be helpful. Should you have any additional questions orconcerns about the investigation, please contact our Account Protection Team at (800) 888-1726.Sincerely,Shawnda Y[redacted]Compliance Dept. – Consumer ResponsesEnclosurecc: Revdex.com
Dear [redacted]
Comenity Bank has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the avenue®
credit card. We are here to answer your questions and assist with your
concerns....
We understand from your complaint that you
opened an avenue® credit card to
receive a discount on a purchase. The
mailing address was incorrect and you did not receive your billing statements,
therefore the balance was assessed late fees.
When you received the billing statement you paid the balance in full and
a late fee, however the balance was assessed additional late fees. You request the balance be zero and for your
credit report to be updated in regards to this matter. I am happy to share my findings.
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.
Bank records indicate that you spoke with the
Bank on August 23, 2016, regarding the billing statements you did not receive
that were issued on June 20, 2016, July 21, 2016 and August 21, 2016. On this call, the late fees previously
assessed were waived in the amount of $59.00, and your billing address was
updated. In addition to, the payment
history was updated due to you not receiving the billing statements.
The billing statement issued September 20,
2016, included the charge for $18.00 for the magazine and the remaining finance
charges and Account Assure fees. The
balance on this statement was $32.40, with a minimum due payment of $27.00 due
by October 16, 2016. On September 26,
2016, there was a charge for an
additional magazine of $66.00. Once you
cancelled the magazine charges with avenue®,
you received credits of $84.00. The
billing statement issued October 21, 2016, had a balance and minimum due
payment of $14.40 due by November 16, 2016.
A payment of $14.14 was received, because the payment did not meet the
minimum payment required a late fee was assessed. An additional statement was issued November
20, 2016 with a balance and minimum payment of $14.66 due by December 16, 2016.
No payment was made and a late fee was assessed. A statement was issued December 21, 2016,
with a balance of $30.32.
Please be advised in the interest of customer
service we have credited the account for the $30.32 in Bank fees. Additionally, no negative payment information
reported to the credit bureaus, as a result of this matter.
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,
Kajia M[redacted]
Dear [redacted] We have received the complaint that you sent to the Revdex.com regarding the above-noted account. Comenity Bank issues Bealls credit card accounts, and we are here to help answer your account-related questions. Your complaint was...
forwarded to my attention, and I appreciate the opportunity to assist you with your concerns. You state that you have overpaid your Bealls credit card bill, and that you mailed out proof that you had been overcharged and that you have called and emailed the Bank numerous times. You further state that you disagree with your statement, and that you are still being overcharged on the account and nothing has gotten resolved. You are requesting for your balance to be credited to zero. We sincerely apologize for any frustration this matter may have caused you. We have reviewed your account and are happy to share our findings. Please find enclosed copies of your October 2012 through May 2015 monthly billing statements, and a table listing all transactions applied to the account during this time period. Our records indicate that on December 31, 2013, you sent in a copy of your billing statement and a print out from the website of your transactions. On this correspondence, you wrote your name, last for digits of your social security number, date of birth, and your Bealls credit card account number. As this was the only information provided regarding your dispute, on January 1, 2014, a letter was issued to you stating that some information necessary to investigate your dispute was missing. The letter requested that you please re-submit your request including: your name, address, and account numberthe disputed amount or specific transactiona brief explanation about why you are disputing the charge. A letter was sent to you by the Bank on March 31, 2015, providing a listing of your transactions from June 24, 2014, through March 25, 2015, and stating that the balance was valid, but requesting you to provide more information if you were still disputing. We have enclosed a copy of the letter sent on March 31, 2015, for your review. On April 20, 2015, the Bank received another letter from you regarding your account balance. In your correspondence you stated that you overpaid your account by $68.08. A review of transactions on your account from the months of October 2012 through May 2015 indicates the following:Purchases = $1,619.50Payments = $1,334.38Returns and Credits = $212.17Finance Charges = $174.07Late Fees = $128.00Account Assure = $33.94. On May 22, 2015, you spoke with a representative from our Customer Care team, and you stated that you were having problems making your payment online. During the conversation, the representative stated that she was willing to remove the late fee. Please be assured, a credit of $27.00 has been issued to remove the late fee that was assessed in May 2015. This credit has posted to your account on June 20, 2015. Your balance, as of today’s date is $381.96. After thoroughly reviewing your account, we find the balance to be valid; however, in the interest of customer service we have issued additional credits totaling $51.00 to remove the late fees which were assessed to the account in January 2015 and April 2015. These credits will appear on one of your next two billing statements. We value you as a customer, and we hope you find this information to be helpful. Should you have questions or concerns regarding this letter, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
[redacted] Consumer Relations Specialist
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Woman Within Credit Card. We are here to answer your questions and assist with your concerns. We understand the concerns as explained in your correspondence. You ordered leggings and paid the bill, but were charged a $22.00 late fee. A credit of $21.56 was issued for the fee, leaving a balance of $0.44, which resulted the account being charged another late fee. You are requesting the late fee be credited. 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. The account billed on December 22, 2016, with a balance of $22.55, and a minimum payment of $20.00, due by January 17, 2017. No payment was received by the due date, so a $20.00 late fee and a $2.00 finance charge were assessed to the account. The account billed on January 22, 2017, with a balance of $44.55, and a minimum payment of $25.00, due by February 17, 2017. On February 1, 2017, a payment of $22.55 was received and the account was credited $21.56 for the late fee an part of the finance charge. Because the full minimum payment of $25.00 was not received, nor was the account balance paid in full, a $25.00 late fee was assessed to the account, resulting an outstanding balance of $25.44. In the interest of customer service, a credit of $25.44 has been issued to the account, for the late fee and finance charge that were previously assessed. As of the date of this letter, the account balance is zero. We value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you. 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, Tionna M[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the west elm credit card. We are here to answer your questions and assist with your concerns.
We understand from your correspondence, you recently signed up for a west elm credit card. ...
You state you were offered a sign on bonus of $50.00, which you have not received. You further state you were offered $25.00 per $250.00 spent; however, when you called to check on the status of the rewards, you were advised it takes a while to process. You were also offered a 15% discount when you provided your email address. You did receive free shipping on the second item ordered; however, you feel this is misleading advertising practices since the 15%, as well as the sign on bonus, were supposed to be applied immediately. You are requesting that the Bank credit the sign on bonus, as well as the other bonuses, and apply them to the balance on your account.
The Bank would like to congratulate you on your new account with west elm, and thank you for contacting the Revdex.com regarding your concerns. At this time, we would like to explain our findings.
Please note Comenity Bank and west elm are two separate entities. The Bank issues, and is responsible for addressing questions related to, your credit card account. West elm is responsible for handling matters related to sales, merchandise processing, returns, and shipping. The Reward Dollars Program is provided by west elm, which is solely responsible for the Program operation, and may change the terms and conditions of the Program at any time.
The Reward Dollars Program offers new members the following:
• Special welcome offer of $50 bonus Reward Dollars
• Earn $25 for every $250 spent or opt for 12 months special financing on purchases of $750 or more
• $25 bonus Reward Dollars on your birthday
• Double and bonus reward opportunities
• Annual Friends + Family shopping event
• Exclusive cardholder only customer service line
As explained in the Rewards Terms + Conditions section on www.westelm.com, you earn one point for every dollar spent with your west elm credit card, and you will receive $25.00 in Reward Dollars for every $250.00 spent. Reward Dollars cannot be applied to past purchases and must be used in conjunction with a new order. In addition, Reward Dollars are issued monthly depending on your balance at the close of business every billing cycle, and will be sent to you within 4-6 weeks.
Bank records indicate $50.00 in Reward Dollars were issued on November 23, 2016, and should arrive within the above-noted timeframe of 4-6 weeks.
With regard to the 15% discount offered for submitting your e-mail address, this offer is provided by west elm and allows an additional discount on your next purchase. The Bank is unwilling to credit your account for the above offers; however, you may contact west elm at the number provided below regarding the terms and conditions of their Reward Dollars Program and discounts.
I hope you have found this information to be helpful. If you have any questions or concerns about the Reward Dollars Program, please feel free to contact west elm at ###-###-#### for assistance.
Sincerely,
Jack Cantrell
Jack Cantrell
Compliance Dept. – Consumer Responses
cc: Revdex.com
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Although your offices continuously fail to acknowledge that Comenity Bank/Lane Bryant is in the wrong for the way that they have treated me, yes complaints have already been established with the agenciesthat you recommended. The company is clearly trying to cover its basis because of their wrong doing.I realize that your offices do not have all of the documents that clarify my complaint against them BUTthey do and their poor attempt to keep your offices at bay shows this-which justifies my concerns to theyour State Attorney General's office.
Dear Ms. [redacted]:We received your complaint submitted to the Revdex.com regarding the above-referenced account.As the bank that issues BrylaneHame@ credit card accounts, we respond to all account-related questions.Your correspondence was forwarded to my attention, and I appreciate the...
opportunity to respond to yourconcerns.We understand from your complaint that Comenity Bank sent you a letter stating your payment was returned,and there was a fee of $20.00 added to the balance. You called your financial institution and were advised thatno payment was returned. You state that when you spoke with an associate of Comenity Bank, we advised itcould have been an error on your part, and the $20,00 returned payment fee wwld not be waived. You weretold the late fee would be waived, but when you checked your account, you see it was not. You would like youraccount closed and the fee to be waived.Cornenity Bank's online Account Center is a great resource for our customers to manage their accounts andI'm disappointed to hear that you have had a bad experience with the site and Comenity Bank. I would behappy to talk with you and assist you with any concerns that you may be experiencing with Account Center orComenity Bank.I attempted to contact you on July 1, 2015; however, I reached your voicemail and left a message. I am happyto share my findings.Please be advised that the payment you remitted via Account Center on May 20, 201 5, for $30.00 was returnedto us as "unable to locate". This will occur if an incorrect routing or account number are entered. Addittonally,please understand, if incorrect account information is entered, your financtal institution would have no record ofthe payment. This payment was debited back to your account, along with a $20.00 returned payment feeIn the interest of customer service, I have issued credit for the returned payment fee of $20.00, as a one-timecourtesy. No late fees have been assessed to your account.We are sorry you wish to close your 6rylaneHome-B account, as you are a valued customer. However, asrequested, the account was closed on July 2, 2015.I hope you have found this information to be helpful Should you have any additional questions, please do nothesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assistyou.Sincerely, [redacted]Consumer Relations
it did not resolve my complaint. As my wife's name is on this credit card, I am still responsible for 50% of her debt. So these add on fees affect me as well. For this bank not to speak to me and help me out taking these fees off is absurd. I am responsible for this account as much as my wife is.
Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards,
[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.You state you have been trying to pay your bill for at least six months and...
you have been passed around to people who can’t help you process your payment. You state you called TransUnion in an attempt to have them contact someone so you could make a payment; however, the attempts were unsuccessful. You do not feel safe sending a large check without talking to someone first about your growing bill. You are requesting to talk to the company, pay your bill in the proper amount, and have the account removed from your credit bureau after it is paid. We have reviewed your account and we are happy to share our findings. We have enclosed copies of your monthly billing statements, for your review. Your monthly billing statements were mailed to the address of [redacted] Boulevard, Apartment [redacted], Kansas City, Missouri 64106. We have no record of the statements being returned by the post office. 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, a late fee and finance charge may be assessed to the account, as explained in the Credit Card Agreement. Our records indicate a purchase of $43.54 posted to the account on November 5, 2015. On November 16, 2015, a billing statement was issued reflecting a balance of $43.54, and a minimum payment of $25.00 due by December 12, 2015. As no payment was received, a late fee and a finance charge were assessed to the account. On December 17, 2015, a billing statement was issued reflecting a balance of $69.58, and a minimum payment of $30.00 due by January 12, 2016. As no payment was received, another late fee and a finance charge were assessed to the account. Statements continued to be sent monthly and, as no payments were received, late fees and finance charges continued to be assessed. On June 16, 2016, due to non-receipt of payment, the account was permanently closed, written off, and reported to the credit reporting agencies as an unpaid debt with a balance of $297.43. On June 22, 2016, the account was sold to [redacted] Group. Although we find the balance to be valid, in the interest of customer service, the Bank has made the decision to not hold you responsible for account balance of $297.43. We are in the process of purchasing your account back from [redacted] Group. Once the process is complete, we will issue credits for the purchase of $43.54 and any accrued late fees and finance charges to bring the account to a zero balance. We will also submit a request to the credit reporting agencies to delete the account from your credit file. 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, Laura R[redacted] Laura R[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosures
January 23, 2017[redacted]
[redacted]
[redacted]
[redacted]
[redacted]Dear [redacted]:Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assist with your concerns.We understand the concerns as noted in the correspondence, regarding charges billed to your account for Account Assure. We apologize for any inconvenience this matter may have caused you.Account Assure is an optional product that is offered to our customers. Our records indicate that you elected to be enrolled into Account Assure on October 17, 2013, when you called to confirm the receipt of your EXPRESS NEXT credit card. During the conversation, you were provided with details regarding Account Assure and to confirm your acceptance of Account Assure, your full account number, name, and address were verified.On December 30, 2016 your Account Assure enrollment was cancelled. Please be assured that a credit of $208.37 was applied to your account to credit the remainder all of the Account Assure premiums you were charged since your enrollment. In addition, a credit for $4.60 was issued to your account for finance charges. These adjustments will appear on your next two billing statements.We hope the information provided is helpful. Should you have any additional questions or concerns regarding this letter, please contact me at [redacted]. I would be happy to assist you.Sincerely,[redacted]
[redacted]
[redacted]
Hello,I am responding on behalf of Revdex.com Concern #11027123. This client was upset about a $25 fee incurred on her Ann Taylor account due to a failed payment issue. To research this concern further we connected with Comenity Bank which manages and operates the Ann Taylor credit card. It was determined...
that the client's initial payment attempt was unsuccessful due to an incorrect checking/banking number being entered during payment. As such the payment failed and a $25 fee was applied to the client.In the interest of customer service we have had a representative from Comenity reach out to the client directly on 1/6/16 and explain the situation. In addition they have removed the fees accrued due to this error. Our offices have also sent the client written confirmation on 1/7/16 of the above and advised on the resolution provided by Comenity Bank. I have invited the client to inform us should she encounter any further account related concerns.Sincerely, Rob L[redacted]Assistant Manager, Corporate Client ContactANN INC. / Ann Taylor
Thank you for contacting Comenity Bank regarding the above-referenced account. As the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questions. Your letter, submitted to the Revdex.com, was forwarded to my attention for review, and I...
appreciate the opportunity to assist you.We understand from your complaint that you accumulated enough points to receive a $10.00 and $20.00 Reward Certificate. Unfortunately, you did not receive the rewards and contacted the Bank, which you were told they would be mailed out again. Additionally, you were offered the Reward Certificate numbers; however, one had expired and the other was expiring soon after. As compensation, you were to receive a $30.00 credit to your account, which you have not seen posted. You did however notice a finance charge. You would like the Bank to honor their promise and send you the Reward Certificates or process the $30.00 credit to your account. You also have asked for an additional credit for the inconvenience you have experienced.Please be assured that we have reviewed your Victoria’s Secret/PINK account. Our research concludes that you did earn Rewards Certificates on August 7 and September 6, 2015. Furthermore, we show that you moved and changed your address in September 2015, so the rewards were sent to the old address. You contacted the Bank on November 20, 2015, and our associate filed a request to replace one of the rewards. We apologize; however, reward replacements can take 4-7 weeks to arrive.In addition, you contacted the Bank on December 4, 2015 and, for the inconvenience a $20.00 credit adjustment was issued to the account. Because this credit was applied after your December bill date, the credit will reflect on your January 2016 billing statement. Also, we are happy to issue the remaining $10.00 credit adjustment to your account. Please be advised that this credit will also reflect on the January 2016 billing statement.Again, we sincerely apologize for the frustration and inconvenience you have experienced, and we hope this information is helpful. If you any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues Boscov’s credit cards. We are here to answer your questions and assist with your concerns. We understand from your complaint on January 8, 2017, you...
made a purchase for $47.68. You state that you logged on online and made a payment for $47.68, and the balance was zero. In February you received a bill with a balance of $47.68. You contacted the Bank on February 17, 2017, to inquire about the balance and you were advised to pay the $47.68. You are requesting to have the $47.68 returned to you. We apologize for the inconvenience this matter may have caused you. Bank records indicate that on December 18, 2016, a purchase for $15.90 and $10.59 was applied to your account. On December 19, 2016, a purchase of $21.19 was applied to your account. The January 2017 billing statement was issued with a balance of $47.68, with a minimum payment of $25.00 due by January 27, 2017. Your payment of $47.68 was received on January 19, 2017. On January 8, 2017, a purchase for $47.68 was applied to your account. The February 2017 billing statement was issued with a balance of $47.68, with a minimum payment of $25.00 due by February 27, 2017. Your payment of $47.68 was received on February 24, 2017. We have enclosed copies of your January and February billing statement for you to view. When you contacted the Bank on February 20, 2017, our associate processed a billing dispute in error, as the account did not indicate duplicate charges of $47.68. Coincidently the three small charges in December equate to the same amount as the purchase in January. Therefore, you were sent a letter advising that no duplicate charges were found. In addition, while your account was in dispute a provisional credit was issued to your account for $47.68, creating a credit balance. On April 26, 2017, a refund check was issued to you on your account in error. Please be advised that if this refund check is cashed, your account balance will remain $47.68. If you would like for the Bank to cancel the refund check to zero out your account balance, please contact the Bank at the number listed on the next page, to advise. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. �...⇄ Sincerely, Ashley H[redacted]Compliance Dept. – Consumer Responses