Thank you so very much for your quick responseI really appreciate the detailed response and explanation of charges but I would like for you to take into consideration that in years I've had this account I had never been late before until the minimum went up and you started charging me unnecessary chargesI've been assessed over $in late charges when in fact I was not late just didn't pay the minimum you adjustedFurthermore I appreciate your explanation about comenity bank and Victoria secret being two separate identities but please put yourself in my shoes, All my bills say Victoria secret and when Comentity called me I had no idea who they were and was obviously not going to pay an account I'm not aware ofMy bills are automatically paid thru my bank and I can reassure you that when I received a call of a late payment I naturally thought it was a callNot once did any representative mention this was my Victoria secret card and never did they mention I wasn't paying enough of a minimumThey just said late charges which to me are falsePlease take another look at my relationship with Victoria secret and how many years I've been a good customer and consider reducing my charges and reopening my account.Thank you again for your time and consideration with this matter.With a grateful heart,
Comenity Bank is currently falsely reporting to the credit bureausNothing is changing like the rep Tionna indicatedResolution -Ann Taylor store card - I want Comenity Bank to remove the way they are reporting indicating that I requested the credit card closedThis is falseAnn Taylor MasterCard - This account is active and current, but Comenity Bank is reporting that it is closedI am so frustrated that nothing is being resolvedWhat more can I do besides file a lawsuit which is so much work when all I just want is for Comenity to truthfully and accurately report my credit cards Regards, [redacted]
I submitted documents supporting the fact that my bank sent the payments in question and contacted the [redacted] bank that used to handle herbergers payments and received my payments I was not aware that herbergers changed to comenitybank because [redacted] was forwarding payment to comenitybank but stopped How am I to know this was happening? Also it's unfair they won't wait the 4-weeks it might take to get [redacted] to send the payments to them Regards, [redacted] ***
Dear Ms [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Torrid® 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 your complaint that you made a payment of $on April 17, 2015, at your local retail store and you did not notice until you received a late fee that the payment was not applied to your Torrid® account You are requesting that the payment be placed on your account and the late fee removed I am happy to share my findings with you After a thorough review of the account, I contacted Torrid and advised them that the payment of $was not applied to your account Please be assured that a credit of $for the payment, and a credit of $for the late fee that was assessed to the account; due to this matter were applied to your account You should see these credits on your next billing statement which will be issued on June 22, As of the date of this letter, the account balance is $ We value you as a customer 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, [redacted] *** Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the LOVELOFT Mastercard credit cardWe are here to answer your questions andassist with your concerns.We understand your concerns regarding the late fees that were assessed to your accountYou state thatthe website was down and your payment did not go throughYou did not know this until you received threelate fees, which affected your credit score and you were calledYou have tried to resolve but state the Bankis relentless and unprofessionalYou also state that we cannot set up automatic payments and it is awful.You requests a full refund for lack of communication, stringing you along, and you request your credit reportrectified.We apologize for the frustration and inconvenience you may have experienced as a result of this matter.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer serviceWe never intend to treat ourcustomers in a less-than-satisfactory mannerWe are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.Bank records indicate that you charged $to the account on October 21, 2016, for a MSweaterOnNovember 2, 2016, a statement was mailed to you reflecting a balance of $28.56, and a $minimumpayment due on November 28, Payment for $was received on November 29, 2016, and theaccount was assessed a late fee and a finance charge.On December 2, 2016, a statement was mailed to you reflecting a balance of $27.00, and a $minimumpayment due on December 28, No payment was received, and the account was assessed a late feeand a finance charge.On January 2, 2017, a statement was mailed to you reflecting a balance of $55.00, and a $minimumpayment due on January 28, No payment was received, and the account was assessed a late feeand a finance charge.On February 2, 2017, a statement was mailed to you reflecting a balance of $89.34, and a $minimumpayment due on February 28, Payment was not received; however, the account was issued twocourtesy late fee credits totaling $The account was only charged a finance charge for the outstandingbalance.On March 2, 2017, a statement was mailed to you reflecting a balance of $67.34, and a $minimumpayment due on March 28, Payment of $was received on March 4, 2017, and payment of $was received on March 27, The account was only charged a finance charge for the outstandingbalance.On April 2, 2017, a statement was mailed to you reflecting a balance of $33.00, and a $minimumpayment due on April 28, The minimum payment due was removed, as a courtesy, since yourequested to file a dispute with the Bank, and you were sent a form on May 1, 2017, to complete and return.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.Enclosed are copies of the billing statements for your records.To provide the best customer service possible, we offer multiple ways to make a paymentChoose apayment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your paymentin the store so it can be applied to your account on the same dayCheck the back of your billing statementto see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:p.mEasternTime (ET) will be credited to your account on the same day, unless you select a date in the futureOnlinepayments submitted after 8:p.mET will be credited the following day (or on a future scheduled paymentdate).Mail: Send your payment and payment coupon in the envelope that came with your billing statementWerecommend allowing up to days for the payment to arriveIf you’re a paperless customer, print out apayment stub on the online account management site so your payment is processed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on the back ofyour billing statement before 8:p.mET to speak to a customer care representativeA fee may apply tosame-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.Th...⇄ Bank is unwilling to credit any additional late fees to the account, as no Bank error was found.In addition, the Bank is required to report factual account activity to the credit-reporting agenciesAs such,the negative payment information that reported for March and April is valid, and we are unwillingto change or delete the information.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
Dear Ms [redacted] We received your additional complaint, submitted to the Revdex.com, regarding the above-noted account Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your account-related questions I appreciate the opportunity to assist you Your complaint states that we did not answer your questions of why you are not receiving the billing statements that the email address listed in the previous response is an active email, and you prefer to receive the statements by mail and by email to ensure they are received You want the Bank to make the corrections As indicated in our previous response, your account is not enrolled in electronic statements The monthly statements are being sent to the address listed at the top of this letter Additionally, we are unable to send statements to you by email and by mail via the post office You may want to contact the US Post Office to discuss why you are not receiving your mail, as our records reflect delivery confirmation Enclosed are the past six months of statements that have been sent to you for your records The account may still qualify for a Hardship Program or settlement To take advantage of the programs that may be available to you by Comenity Bank, we urge you to call our Payment Solutions team, toll free, at ###-###-#### (TDD/TTY ###-###-####), or you may contact the consumer credit counseling agency, Money Management International (MMI) at ###-###-####, and speak to a credit counselor As a lender, we are required to report factual information to the national credit bureaus As no errors were found, we are unwilling to remove the fees or delinquencies from the Victoria’s Secret/PINK credit card account We apologize for any inconvenience you have been caused, and we hope this information is helpful Should you have any further questions or concerns, please contact our Payment Solutions team at the number provided They will be happy to assist you Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Limited credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that you did not receive your billing statements for the months of October 2013, November and December You are requesting that the negative payment information be removed from your credit report I am happy to share my findings with you Please be assured that Comenity Bank has submitted a request to remove the negative credit reporting for the months of October 2014, November and December Please allow up to days for the credit-reporting agencies to update their records We value you as a customer 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, [redacted] Consumer Relations Specialist
February 9, [redacted] RE: [redacted] [redacted] [redacted] Dear Jennifer S [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the [redacted] credit cardWe are here to answer your questions and assist with your concerns We understand the concerns noted in your correspondence, regarding not receiving your monthly billing statement for December We also understand you are requesting the additional late fee removed from your account On January 30, 2017, the Bank removed the first late fee in the amount of $from your accountAlthough there are no Bank errors, in the interest of customer service, we have issued credit for an additional late fee of $27.00, along with the finance charge of $A total of $in fees has been removed from your accountThese adjustments have created a credit balance of $on your accountThe credit balance will be returned to you, under separate cover, via refund checkPlease allow business days for the refund check to arrive Please find enclosed copies of all billing statements that have been issued on your [redacted] credit cardAdditionally, at your request, the account was closed on February 8, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, [redacted] [redacted] [redacted] Tell us why here
Hello,Thank you for your inquiry Your reference number is [redacted] We will reply to your email providing an update and/or resolution of your issue Please understand that it may take 2-business days to resolve the issue.Please reply to this email with any additional questions related to your inquiry.Sincerely,Consumer Support Group
Dear Mr [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-noted account Comenity Bank issues Gander Mountain MasterCard® accounts, and 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 youWe understand your concerns regarding the Account Assure charges that have appeared on your account, and that you state these are not charges that you agreed to.Our records indicate that you enrolled in Account Assure on April 13, 2013, and the account has received a charge for this product each month that there was an account balance Account Assure was canceled at your request on November 2014.Please be assured that credits totaling $1,have been issued to your account for the Account Assure Additionally, a credit of $was issued to remove the most recent late fee added to your account and a credit of $ has been issued to credit finance charges added to the account because of the Account Assure.We value our customers and hope the information provided is helpful If you have any further questions or concerns regarding the account, please contact me at ###-###-####, ext [redacted] I will be happy to assistSincerely,Justina M [redacted]
I am rejecting the business response because of the fact that the $was paidI was notified that I needed to make a payment on the accountI made the paymentThey sent me a letter saying that my bank informed them the the account was closedI checked with my bank and they informed me that the account was still open Regards, [redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues TALBOTS credit card accounts, and we are here to answer all of your account-related questions Your complaint was forwarded to my attention for review, and I appreciate this opportunity to assist you We are sorry to hear about the passing of your father, as well as your bank information being compromised We understand from your complaint that you had automatic payments set up from your bank to pay your TALBOTS credit card account, and the payments were not sent due to a compromise with your bank We also understand that you are requesting your account be reopened, the late fees removed, and your credit report updated Our records indicate that your account exceeded six consecutive billings past due as payment was not made according to the terms of the Credit Card AgreementIn consequence, the account was permanently closed and written off We respectfully deny your request to reopen your account or remove the assessed fees Additionally, no changes will be made to the reporting of the account I hope the information I provided is helpful Should you have any further questions or concerns about the account, please contact me at ###-###-#### I would be happy to assist you Sincerely, Kristina W***
Business provide updated response and will delete credit inquiries so I accept the solutionThank you for Revdex.com I truly appreciated.Thank you again
Dear Mr***Thank you for your recent inquiry regarding the account noted aboveComenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcernsYour complaint, addressed to the Revdex.com, was forwarded to myattention, and I appreciate the opportunity to assist you.I understand from your complaint, that you are receiving numerous calls from Comenity Bank inreference to your Lane Bryant Retail credit card accountYou state that you have retainedChristian Debt Counseling service, who is issuing monthly payment installments to ComenityBank, and you are requesting that Comenity Bank stop calling youWe apologize for anyfrustration or inconvenience you have experienced as a result of this matter.Please be assured that Comenity Bank has reviewed your account, and Bank records do notindicate that this account is being managed by a debt counseling companyIf you would like toenroll your account in our debt management program, please contact them at:Comenity BankPO Box 24Columbus, OH 43218-2124###-###-####The Bank understands that customers may experience difficulty making their payments due toeconomic factorsYou may be eligible for enrollment in our Customer Hardship ProgramThisprogram provides customers with six to twelve months of special terms in order to bring andkeep the account currentIf you are interested in obtaining information on whether you qualifyfor this program, please call ###-###-#### (TDD/TTY ###-###-####).Regarding the phone calls you have been receiving; please be advised that when the Bank'srecords show an account as delinquent, the Bank will make attempts to contact you regardingthe status of the accountMany times a payment is overlooked by the customer, and areminder call is helpful to bring the account back to a current statusDue to potential negativeramifications for our customers if an account remains delinquent, Cornenity Bank may call youuntil our attempt to communicate is successful.Please be advised that we have updated our records so you will no longer receive calls at thetelephone numbers ending in ***, [redacted] and ***I hope you find this information to be helpfulShould you have additional questions or concernsabout this matter, please contact either of the phone numbers listed aboveThey will be happyto assist you.Sincerely, [redacted] Consumer Relations Specialist
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the My BJ’s Perks MasterCard credit card accountsWe are here to answer yourquestions and assist with your concerns.In the correspondence, you state that your mother opened up an account and she did not receive the billingstatement; therefore, the account was charged a late feeYou further state that, although it was not your fault,you paid the whole balance to avoid further issuesHowever, in January 2018, you received another bill showingthat your previous payments were lateYou state that you contacted the Bank and were advised that the previouspayment was late, which you were not aware of, because you had not received any statementsYou arerequesting that the Bank issue a refund of $We understand your concerns and apologize for anyinconvenience or frustration this matter may have caused you.We would like to assist you in resolving this matterUnfortunately, we are unable to locate the account you arereferencing in your correspondence based on the information providedIn order to investigate your concerns,please provide the account number, copies of the billing statements, and/or a copy of your mother’s creditbureau report showing the account.Once this information has been received, we will be able to further investigatePlease send this informationto my attention at the address shown above.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free tocontact me at (800) 820-8932.Sincerely,Jenny V [redacted] Compliance Dept– Consumer Responses
***I am 76+ years old & my wife is yrs the phone rings times and there are no one on the phoneEnclosed list of phone calls for Monday 9-28-till Oct11, Did you write a letter stating who you trying to reach.Thank you, William Harris
Dear Ms [redacted] : We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues New York & Company credit cards, and we are here to answer all of your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist youWe understand your concerns regarding the late fees, and that you did not receive monthly billing statements in the mail We apologize for any inconvenience or frustration that this matter may have caused youOur records indicate that your New York & Company account was registered with our Account Center, which provides accountholders the ability to view statements and make payments online Additionally, the paperless statement option was chosen Statement ready emails were sent to the email address you provided at registration: [redacted] Please understand that Comenity Bank does not have the ability to enroll customers into paperless statements; this option can only be chosen by the customer via Account Center Additionally, should an account that is enrolled in paperless statements become two billing periods past due, a paper statement will also be issued Please keep in mind that your payment due date is the 3rd of each month If payments are not received, are received after the due date, or are less than the minimum due, a late fee will be assessed to the account as per the Credit Card Agreement In the interest of customer service, we have issued credit in the amount of $for the previously assessed fees on your account At this time the account balance is zeroI hope you find this information to be helpful Should you have any further questions or concerns, please contact me at the address noted above, or by calling toll free at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Melissa L [redacted]
[redacted] Dear [redacted] ***:Comenity Bank (Bank) has received your correspondence regarding the above-noted account.Comenity Bank issues the [redacted] credit cardWe are here to answer your questions and assistwith your concerns.We understand from your complaint you received an email advertising a one year no-interestpromotional plan and when you went online to use the coupon code that was provided, the websitewould not recognize itTherefore, you called customer service to place the order and were assuredthe coupon was appliedHowever, when you reviewed your statement you noticed you had beenassessed interest chargesYou are requesting the interest charges be refunded, and not to have anyadditional interest charges as long as your balance is paid by July We would like to apologizefor any inconvenience this matter may have caused you.We contacted [redacted] on your behalf and we have confirmed that your purchase for $onJuly 22, 2016, was supposed to be placed on the month deferred interest, payment required plan.To correct this error, we have removed $in interest charges from your accountThank you foryour payment of $which posted to your account on February 21, Please be assured wetransferred your remaining balance of $to the month deferred interest, payment required planwhich is scheduled to expire on July 23, Please be advised that the full balance must be paidby the promotional plan expiration date to avoid accrued interest from being assessed to the account.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely, [redacted] Tell us why here
We received your complaint, addressed to the Revdex.com, regarding the accounts referenced above As the bank that issues Meijer®, Giant Eagle, and Victoria’s Secret credit card accounts, Comenity Bank is here to help with your account-related concerns I appreciate the opportunity to assist you We previously received and responded to your correspondence submitted to the FDIC regarding this same matter Please find enclosed a copy of our response sent to you on November 9, We value you as a customer, and hope you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Bryan H [redacted] Consumer Relations Specialist
Dear Ms [redacted] :We received your recent complaint regarding the Lane Bryant Retail credit card account.Comenity Bank issues the above-noted credit card, and we are here to help with your accountrelatedquestions and concernsYour complaint, addressed to the Revdex.com, wasforwarded to my attention and I appreciate the opportunity to assist you.I understand from your complaint, you enrolled in a free trial for "My Card Extras Plus"Youstate, you called and cancelled the program before the thirty day free-trial was upYou noticedon your monthly billing statement that you had been charged $for the My Card Extra PlusprogramYou called and were told credit would be issued for the $9.95, and a $late fee.To date additional fees have been bitted to your Lane Bryant Retail credit card, resulting in abalance of $and no credits have been issued.You are requesting Comenity Bank credit all fees assessed as a result of the My Card ExtraPlus charge, and to send notification to the credit reporting agencies advising your account iscurrent.The Bank has reviewed the issues in your complaint; however, we are unable to locate thetelephone conversation listed in your complaintWe apologize for any frustration orinconvenience you have experienced as a result of this matter.Please be assured, the My Card Extra Plus credit card program was cancelled on August 24,Credit totaling $36.85, has posted to your Lane Bryant Retail credit card account, whichwill reflect on your next billing statement.Please be advised, we have updated the payment history and notification has been sent to thecredit reporting agencies advising of this update, please allow them days to update their files.I hope you find this information to be helpfulShould you have additional questions or concernsabout this issue, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, Geanine M [redacted]
Thank you so very much for your quick responseI really appreciate the detailed response and explanation of charges but I would like for you to take into consideration that in years I've had this account I had never been late before until the minimum went up and you started charging me unnecessary chargesI've been assessed over $in late charges when in fact I was not late just didn't pay the minimum you adjustedFurthermore I appreciate your explanation about comenity bank and Victoria secret being two separate identities but please put yourself in my shoes, All my bills say Victoria secret and when Comentity called me I had no idea who they were and was obviously not going to pay an account I'm not aware ofMy bills are automatically paid thru my bank and I can reassure you that when I received a call of a late payment I naturally thought it was a callNot once did any representative mention this was my Victoria secret card and never did they mention I wasn't paying enough of a minimumThey just said late charges which to me are falsePlease take another look at my relationship with Victoria secret and how many years I've been a good customer and consider reducing my charges and reopening my account.Thank you again for your time and consideration with this matter.With a grateful heart,
Comenity Bank is currently falsely reporting to the credit bureausNothing is changing like the rep Tionna indicatedResolution -Ann Taylor store card - I want Comenity Bank to remove the way they are reporting indicating that I requested the credit card closedThis is falseAnn Taylor MasterCard - This account is active and current, but Comenity Bank is reporting that it is closedI am so frustrated that nothing is being resolvedWhat more can I do besides file a lawsuit which is so much work when all I just want is for Comenity to truthfully and accurately report my credit cards Regards, [redacted]
I submitted documents supporting the fact that my bank sent the payments in question and contacted the [redacted] bank that used to handle herbergers payments and received my payments I was not aware that herbergers changed to comenitybank because [redacted] was forwarding payment to comenitybank but stopped How am I to know this was happening? Also it's unfair they won't wait the 4-weeks it might take to get [redacted] to send the payments to them Regards, [redacted] ***
Dear Ms [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Torrid® 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 your complaint that you made a payment of $on April 17, 2015, at your local retail store and you did not notice until you received a late fee that the payment was not applied to your Torrid® account You are requesting that the payment be placed on your account and the late fee removed I am happy to share my findings with you After a thorough review of the account, I contacted Torrid and advised them that the payment of $was not applied to your account Please be assured that a credit of $for the payment, and a credit of $for the late fee that was assessed to the account; due to this matter were applied to your account You should see these credits on your next billing statement which will be issued on June 22, As of the date of this letter, the account balance is $ We value you as a customer 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, [redacted] *** Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the LOVELOFT Mastercard credit cardWe are here to answer your questions andassist with your concerns.We understand your concerns regarding the late fees that were assessed to your accountYou state thatthe website was down and your payment did not go throughYou did not know this until you received threelate fees, which affected your credit score and you were calledYou have tried to resolve but state the Bankis relentless and unprofessionalYou also state that we cannot set up automatic payments and it is awful.You requests a full refund for lack of communication, stringing you along, and you request your credit reportrectified.We apologize for the frustration and inconvenience you may have experienced as a result of this matter.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer serviceWe never intend to treat ourcustomers in a less-than-satisfactory mannerWe are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.Bank records indicate that you charged $to the account on October 21, 2016, for a MSweaterOnNovember 2, 2016, a statement was mailed to you reflecting a balance of $28.56, and a $minimumpayment due on November 28, Payment for $was received on November 29, 2016, and theaccount was assessed a late fee and a finance charge.On December 2, 2016, a statement was mailed to you reflecting a balance of $27.00, and a $minimumpayment due on December 28, No payment was received, and the account was assessed a late feeand a finance charge.On January 2, 2017, a statement was mailed to you reflecting a balance of $55.00, and a $minimumpayment due on January 28, No payment was received, and the account was assessed a late feeand a finance charge.On February 2, 2017, a statement was mailed to you reflecting a balance of $89.34, and a $minimumpayment due on February 28, Payment was not received; however, the account was issued twocourtesy late fee credits totaling $The account was only charged a finance charge for the outstandingbalance.On March 2, 2017, a statement was mailed to you reflecting a balance of $67.34, and a $minimumpayment due on March 28, Payment of $was received on March 4, 2017, and payment of $was received on March 27, The account was only charged a finance charge for the outstandingbalance.On April 2, 2017, a statement was mailed to you reflecting a balance of $33.00, and a $minimumpayment due on April 28, The minimum payment due was removed, as a courtesy, since yourequested to file a dispute with the Bank, and you were sent a form on May 1, 2017, to complete and return.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.Enclosed are copies of the billing statements for your records.To provide the best customer service possible, we offer multiple ways to make a paymentChoose apayment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your paymentin the store so it can be applied to your account on the same dayCheck the back of your billing statementto see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:p.mEasternTime (ET) will be credited to your account on the same day, unless you select a date in the futureOnlinepayments submitted after 8:p.mET will be credited the following day (or on a future scheduled paymentdate).Mail: Send your payment and payment coupon in the envelope that came with your billing statementWerecommend allowing up to days for the payment to arriveIf you’re a paperless customer, print out apayment stub on the online account management site so your payment is processed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on the back ofyour billing statement before 8:p.mET to speak to a customer care representativeA fee may apply tosame-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.Th...⇄ Bank is unwilling to credit any additional late fees to the account, as no Bank error was found.In addition, the Bank is required to report factual account activity to the credit-reporting agenciesAs such,the negative payment information that reported for March and April is valid, and we are unwillingto change or delete the information.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
Dear Ms [redacted] We received your additional complaint, submitted to the Revdex.com, regarding the above-noted account Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your account-related questions I appreciate the opportunity to assist you Your complaint states that we did not answer your questions of why you are not receiving the billing statements that the email address listed in the previous response is an active email, and you prefer to receive the statements by mail and by email to ensure they are received You want the Bank to make the corrections As indicated in our previous response, your account is not enrolled in electronic statements The monthly statements are being sent to the address listed at the top of this letter Additionally, we are unable to send statements to you by email and by mail via the post office You may want to contact the US Post Office to discuss why you are not receiving your mail, as our records reflect delivery confirmation Enclosed are the past six months of statements that have been sent to you for your records The account may still qualify for a Hardship Program or settlement To take advantage of the programs that may be available to you by Comenity Bank, we urge you to call our Payment Solutions team, toll free, at ###-###-#### (TDD/TTY ###-###-####), or you may contact the consumer credit counseling agency, Money Management International (MMI) at ###-###-####, and speak to a credit counselor As a lender, we are required to report factual information to the national credit bureaus As no errors were found, we are unwilling to remove the fees or delinquencies from the Victoria’s Secret/PINK credit card account We apologize for any inconvenience you have been caused, and we hope this information is helpful Should you have any further questions or concerns, please contact our Payment Solutions team at the number provided They will be happy to assist you Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Limited credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that you did not receive your billing statements for the months of October 2013, November and December You are requesting that the negative payment information be removed from your credit report I am happy to share my findings with you Please be assured that Comenity Bank has submitted a request to remove the negative credit reporting for the months of October 2014, November and December Please allow up to days for the credit-reporting agencies to update their records We value you as a customer 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, [redacted] Consumer Relations Specialist
February 9, [redacted] RE: [redacted] [redacted] [redacted] Dear Jennifer S [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the [redacted] credit cardWe are here to answer your questions and assist with your concerns We understand the concerns noted in your correspondence, regarding not receiving your monthly billing statement for December We also understand you are requesting the additional late fee removed from your account On January 30, 2017, the Bank removed the first late fee in the amount of $from your accountAlthough there are no Bank errors, in the interest of customer service, we have issued credit for an additional late fee of $27.00, along with the finance charge of $A total of $in fees has been removed from your accountThese adjustments have created a credit balance of $on your accountThe credit balance will be returned to you, under separate cover, via refund checkPlease allow business days for the refund check to arrive Please find enclosed copies of all billing statements that have been issued on your [redacted] credit cardAdditionally, at your request, the account was closed on February 8, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, [redacted] [redacted] [redacted] Tell us why here
Hello,Thank you for your inquiry Your reference number is [redacted] We will reply to your email providing an update and/or resolution of your issue Please understand that it may take 2-business days to resolve the issue.Please reply to this email with any additional questions related to your inquiry.Sincerely,Consumer Support Group
Dear Mr [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-noted account Comenity Bank issues Gander Mountain MasterCard® accounts, and 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 youWe understand your concerns regarding the Account Assure charges that have appeared on your account, and that you state these are not charges that you agreed to.Our records indicate that you enrolled in Account Assure on April 13, 2013, and the account has received a charge for this product each month that there was an account balance Account Assure was canceled at your request on November 2014.Please be assured that credits totaling $1,have been issued to your account for the Account Assure Additionally, a credit of $was issued to remove the most recent late fee added to your account and a credit of $ has been issued to credit finance charges added to the account because of the Account Assure.We value our customers and hope the information provided is helpful If you have any further questions or concerns regarding the account, please contact me at ###-###-####, ext [redacted] I will be happy to assistSincerely,Justina M [redacted]
I am rejecting the business response because of the fact that the $was paidI was notified that I needed to make a payment on the accountI made the paymentThey sent me a letter saying that my bank informed them the the account was closedI checked with my bank and they informed me that the account was still open Regards, [redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues TALBOTS credit card accounts, and we are here to answer all of your account-related questions Your complaint was forwarded to my attention for review, and I appreciate this opportunity to assist you We are sorry to hear about the passing of your father, as well as your bank information being compromised We understand from your complaint that you had automatic payments set up from your bank to pay your TALBOTS credit card account, and the payments were not sent due to a compromise with your bank We also understand that you are requesting your account be reopened, the late fees removed, and your credit report updated Our records indicate that your account exceeded six consecutive billings past due as payment was not made according to the terms of the Credit Card AgreementIn consequence, the account was permanently closed and written off We respectfully deny your request to reopen your account or remove the assessed fees Additionally, no changes will be made to the reporting of the account I hope the information I provided is helpful Should you have any further questions or concerns about the account, please contact me at ###-###-#### I would be happy to assist you Sincerely, Kristina W***
Business provide updated response and will delete credit inquiries so I accept the solutionThank you for Revdex.com I truly appreciated.Thank you again
Dear Mr***Thank you for your recent inquiry regarding the account noted aboveComenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcernsYour complaint, addressed to the Revdex.com, was forwarded to myattention, and I appreciate the opportunity to assist you.I understand from your complaint, that you are receiving numerous calls from Comenity Bank inreference to your Lane Bryant Retail credit card accountYou state that you have retainedChristian Debt Counseling service, who is issuing monthly payment installments to ComenityBank, and you are requesting that Comenity Bank stop calling youWe apologize for anyfrustration or inconvenience you have experienced as a result of this matter.Please be assured that Comenity Bank has reviewed your account, and Bank records do notindicate that this account is being managed by a debt counseling companyIf you would like toenroll your account in our debt management program, please contact them at:Comenity BankPO Box 24Columbus, OH 43218-2124###-###-####The Bank understands that customers may experience difficulty making their payments due toeconomic factorsYou may be eligible for enrollment in our Customer Hardship ProgramThisprogram provides customers with six to twelve months of special terms in order to bring andkeep the account currentIf you are interested in obtaining information on whether you qualifyfor this program, please call ###-###-#### (TDD/TTY ###-###-####).Regarding the phone calls you have been receiving; please be advised that when the Bank'srecords show an account as delinquent, the Bank will make attempts to contact you regardingthe status of the accountMany times a payment is overlooked by the customer, and areminder call is helpful to bring the account back to a current statusDue to potential negativeramifications for our customers if an account remains delinquent, Cornenity Bank may call youuntil our attempt to communicate is successful.Please be advised that we have updated our records so you will no longer receive calls at thetelephone numbers ending in ***, [redacted] and ***I hope you find this information to be helpfulShould you have additional questions or concernsabout this matter, please contact either of the phone numbers listed aboveThey will be happyto assist you.Sincerely, [redacted] Consumer Relations Specialist
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the My BJ’s Perks MasterCard credit card accountsWe are here to answer yourquestions and assist with your concerns.In the correspondence, you state that your mother opened up an account and she did not receive the billingstatement; therefore, the account was charged a late feeYou further state that, although it was not your fault,you paid the whole balance to avoid further issuesHowever, in January 2018, you received another bill showingthat your previous payments were lateYou state that you contacted the Bank and were advised that the previouspayment was late, which you were not aware of, because you had not received any statementsYou arerequesting that the Bank issue a refund of $We understand your concerns and apologize for anyinconvenience or frustration this matter may have caused you.We would like to assist you in resolving this matterUnfortunately, we are unable to locate the account you arereferencing in your correspondence based on the information providedIn order to investigate your concerns,please provide the account number, copies of the billing statements, and/or a copy of your mother’s creditbureau report showing the account.Once this information has been received, we will be able to further investigatePlease send this informationto my attention at the address shown above.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free tocontact me at (800) 820-8932.Sincerely,Jenny V [redacted] Compliance Dept– Consumer Responses
***I am 76+ years old & my wife is yrs the phone rings times and there are no one on the phoneEnclosed list of phone calls for Monday 9-28-till Oct11, Did you write a letter stating who you trying to reach.Thank you, William Harris
Dear Ms [redacted] : We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues New York & Company credit cards, and we are here to answer all of your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist youWe understand your concerns regarding the late fees, and that you did not receive monthly billing statements in the mail We apologize for any inconvenience or frustration that this matter may have caused youOur records indicate that your New York & Company account was registered with our Account Center, which provides accountholders the ability to view statements and make payments online Additionally, the paperless statement option was chosen Statement ready emails were sent to the email address you provided at registration: [redacted] Please understand that Comenity Bank does not have the ability to enroll customers into paperless statements; this option can only be chosen by the customer via Account Center Additionally, should an account that is enrolled in paperless statements become two billing periods past due, a paper statement will also be issued Please keep in mind that your payment due date is the 3rd of each month If payments are not received, are received after the due date, or are less than the minimum due, a late fee will be assessed to the account as per the Credit Card Agreement In the interest of customer service, we have issued credit in the amount of $for the previously assessed fees on your account At this time the account balance is zeroI hope you find this information to be helpful Should you have any further questions or concerns, please contact me at the address noted above, or by calling toll free at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Melissa L [redacted]
[redacted] Dear [redacted] ***:Comenity Bank (Bank) has received your correspondence regarding the above-noted account.Comenity Bank issues the [redacted] credit cardWe are here to answer your questions and assistwith your concerns.We understand from your complaint you received an email advertising a one year no-interestpromotional plan and when you went online to use the coupon code that was provided, the websitewould not recognize itTherefore, you called customer service to place the order and were assuredthe coupon was appliedHowever, when you reviewed your statement you noticed you had beenassessed interest chargesYou are requesting the interest charges be refunded, and not to have anyadditional interest charges as long as your balance is paid by July We would like to apologizefor any inconvenience this matter may have caused you.We contacted [redacted] on your behalf and we have confirmed that your purchase for $onJuly 22, 2016, was supposed to be placed on the month deferred interest, payment required plan.To correct this error, we have removed $in interest charges from your accountThank you foryour payment of $which posted to your account on February 21, Please be assured wetransferred your remaining balance of $to the month deferred interest, payment required planwhich is scheduled to expire on July 23, Please be advised that the full balance must be paidby the promotional plan expiration date to avoid accrued interest from being assessed to the account.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely, [redacted] Tell us why here
We received your complaint, addressed to the Revdex.com, regarding the accounts referenced above As the bank that issues Meijer®, Giant Eagle, and Victoria’s Secret credit card accounts, Comenity Bank is here to help with your account-related concerns I appreciate the opportunity to assist you We previously received and responded to your correspondence submitted to the FDIC regarding this same matter Please find enclosed a copy of our response sent to you on November 9, We value you as a customer, and hope you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Bryan H [redacted] Consumer Relations Specialist
Dear Ms [redacted] :We received your recent complaint regarding the Lane Bryant Retail credit card account.Comenity Bank issues the above-noted credit card, and we are here to help with your accountrelatedquestions and concernsYour complaint, addressed to the Revdex.com, wasforwarded to my attention and I appreciate the opportunity to assist you.I understand from your complaint, you enrolled in a free trial for "My Card Extras Plus"Youstate, you called and cancelled the program before the thirty day free-trial was upYou noticedon your monthly billing statement that you had been charged $for the My Card Extra PlusprogramYou called and were told credit would be issued for the $9.95, and a $late fee.To date additional fees have been bitted to your Lane Bryant Retail credit card, resulting in abalance of $and no credits have been issued.You are requesting Comenity Bank credit all fees assessed as a result of the My Card ExtraPlus charge, and to send notification to the credit reporting agencies advising your account iscurrent.The Bank has reviewed the issues in your complaint; however, we are unable to locate thetelephone conversation listed in your complaintWe apologize for any frustration orinconvenience you have experienced as a result of this matter.Please be assured, the My Card Extra Plus credit card program was cancelled on August 24,Credit totaling $36.85, has posted to your Lane Bryant Retail credit card account, whichwill reflect on your next billing statement.Please be advised, we have updated the payment history and notification has been sent to thecredit reporting agencies advising of this update, please allow them days to update their files.I hope you find this information to be helpfulShould you have additional questions or concernsabout this issue, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, Geanine M [redacted]