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
Dear Ms [redacted] We have received your recent complaint addressed to the Revdex.comComenityBank issues multiple retail credit card accounts, and we are here to help with your accountrelatedquestionsYour complaint was forwarded to my attention, and I appreciate theopportunity to respond to your concerns.We understand from your complaint that you have been receiving telephone calls and you donot have a Comenity Bank accountPlease accept our apology for any inconvenience orfrustration that you may have experienced regarding the telephone calls you have received.Please be assured that we have searched our records, and can find no account with thetelephone number ending [redacted] that was listed in your complaintAdditionally, we found noaccount with your name, mailing address or email address.If you are receiving telephone calls at a different telephone number, you may provide thatinformation to me at the address listed above, or you may fax it to my attention at ###-###-####.Again, I apologize for the inconvenience and frustration that was created with your experience,and I hope that you find this information to be helpfulIf you have any further questionsregarding this matter, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####.)I will be happy to assist you Sincerely,Melissa L [redacted]
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 Ms [redacted] We recently received a complaint, addressed to the Revdex.com, regarding the above-notedcredit card accountsAs the bank that issues the above-noted credit card accounts, and previouslyissued Newport News credit card accounts, we respond to all account-related inquiries Your complaintwas forwarded to my attention, and I appreciate the opportunity to assist you.Thank you for taking the time to speak with me on February 14, 2016, regarding the closure of the above-notedaccounts and the information reporting on your credit file.Afler a thorough investigation, our records indicate that we received an inquiry from Regis Law Group onDecember 19, 2014, advising their legal representation, along with a request to direct all communicationsregarding any debt owed to Comenity Bank to their firmAs a result, the Bank updated your accounts toensure that all future correspondence from the Bank will be directed to their law firm, and that you wereno longer contacted on the telephone numbers ending in ***, ***, [redacted] and ***Moreover, arestrictive status was added to the accounts, resulting in the suspension of purchasing privileges.On January 19, 2016, the Bank received an additional inquiry from [redacted] advising theremoval of their representation on any accounts held by the BankRegrettably, the restrictive status wasnot removed from all accounts.We have reviewed the applicable telephone calls, and regrettably, we can confirm that you wereinstructed to close your Venus accounts and reapplyCalls and letters of this nature are reviewed by ourmanagement team, and their recommendations regarding an appropriate resolution are followed.Please be assured your Venus accounts ending in [redacted] and [redacted] have been reopenedThe availableline of credit on each account is $If you would like to permanently close one of the accounts,please contact me at the number listed below.Bank records further indicate that you applied for a new Venus credit card account on January 25, 2016,and February 8, In the interest of customer service, we have sent notification to the national credit-reportingagencies with instructions to remove the credit inquiries for these dates from your credit file.Please allow the credit-reporting agencies days to update their records.However, please be aware that due to their compliance policies, the credit-reporting agencies do notdelete inquiries from a consumer's credit bureau reportWhen the Bank requests that an inquiry beremoved, the credit-reporting agencies will change it to a soft inquiryThis means that the inquiry onlyappears when the consumer pulls his or her own credit reportA soft inquiry does not appear on aconsumer's credit report that is provided to a lender or any other authorized party, and it does not impactthe consumer's credit scoreTherefore, you will continue to see the inquiry on your credit report, but it willnot be visible to anyone else who may pull your credit report.We have also reviewed your chadwicks, Newport News, Mandee, Victoria's Secret/PINK, andBrylaneHome accounts, and we are pleased to share our findings below.Our records indicate that your chadwicks account was reinstated on February 19, The accountbalance is zero and the available line of credit is $480.00.Our records indicate that your Mandee account was reinstated on February 19, The accountbalance is $and the available line of credit is $1,019.00.Our records indicate that your Newport News account was previously closed by Comenity Bank onFebruary 5, 2014, due to the termination of the credit program; as such, we are unwilling to reinstate theaccount.Our records indicate that your Victoria's Secret/PINK account was reinstated on January 27, Theaccount balance is $1,and the available line of credit is $1,704.00.Our records indicate that your BrylaneHome account ending in [redacted] has an account balance of $188.05and the available line of credit if $Please note this account was not impacted by the legalrepresentation of [redacted] ***.Our records indicate that your BrylaneHome account ending in [redacted] was written off on August 2, 2015,due to non-payment, with an unpaid balance of $On August 21, 2015, the account was sold to [redacted] .To discuss suitable payment arrangements, please contact [redacted] at ###-###-####.Lastly, Comenity Bank reports the same information to each of the national credit-reporting agencies.However, a recent review of the information reporting on your credit file did indicate a discrepancyPlease beassured that the credit-reporting agencies have been notified of the changes that need to be madePleaseallow days for the agencies to update their records.We are truly sorry about the manner in which your accounts were handled; you are a valued customer.Should you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)will be happy to assist you.Sincerely,Lauren S***
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]
Dear Mr [redacted] : We received your complaint, addressed to theRevdex.com, regarding the account referenced above Comenity Bank issues Pottery Barn credit cardaccounts, and we respond to account-related questions Your complaint was forwarded to my attention,and I appreciate the opportunity to respond to your concerns.We understand your concerns regarding thebalance on your account We furtherunderstand that you returned the purchases that were applied to your account I apologize for any inconvenience this mattermay have caused youWe have contacted Pottery Barn on your behalfregarding the purchases for $and $that were made on October 18, We have been advised that thepurchase for $was for a gift card that was purchased in store number ** The gift card was used in store number ***for a purchase of $ The remaining balanceon the gift card is $The purchase of $posted to the accountafter a $reward certificate and $gift card ending in [redacted] wasapplied the original purchase amount of $We were advised that Pottery Barn was unable to determine that thispurchase has been returned If you haveproof of this return, please submit the documentation to the address listedaboveOur records indicate that no payments werereceived from December through April In accordance the Credit Card Agreement, late fees and finance chargeshave been assessed to your account ComenityBank believes in reporting factual information to the national credit-reportingagencies We have reviewed your accountand we find that the information reported is correct; as such, we are unwillingto remove any delinquencies A payment of $was received on April 18,2015, and as of the date of this letter the account balance is $We hope this information is helpful Should you have any other questions orconcerns regarding this account, please feel free to contact me at###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, [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
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
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]
***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
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 [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***
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
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]
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
[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
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 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
Dear Ms [redacted] We have received your recent complaint addressed to the Revdex.comComenityBank issues multiple retail credit card accounts, and we are here to help with your accountrelatedquestionsYour complaint was forwarded to my attention, and I appreciate theopportunity to respond to your concerns.We understand from your complaint that you have been receiving telephone calls and you donot have a Comenity Bank accountPlease accept our apology for any inconvenience orfrustration that you may have experienced regarding the telephone calls you have received.Please be assured that we have searched our records, and can find no account with thetelephone number ending [redacted] that was listed in your complaintAdditionally, we found noaccount with your name, mailing address or email address.If you are receiving telephone calls at a different telephone number, you may provide thatinformation to me at the address listed above, or you may fax it to my attention at ###-###-####.Again, I apologize for the inconvenience and frustration that was created with your experience,and I hope that you find this information to be helpfulIf you have any further questionsregarding this matter, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####.)I will be happy to assist you Sincerely,Melissa L [redacted]
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 Ms [redacted] We recently received a complaint, addressed to the Revdex.com, regarding the above-notedcredit card accountsAs the bank that issues the above-noted credit card accounts, and previouslyissued Newport News credit card accounts, we respond to all account-related inquiries Your complaintwas forwarded to my attention, and I appreciate the opportunity to assist you.Thank you for taking the time to speak with me on February 14, 2016, regarding the closure of the above-notedaccounts and the information reporting on your credit file.Afler a thorough investigation, our records indicate that we received an inquiry from Regis Law Group onDecember 19, 2014, advising their legal representation, along with a request to direct all communicationsregarding any debt owed to Comenity Bank to their firmAs a result, the Bank updated your accounts toensure that all future correspondence from the Bank will be directed to their law firm, and that you wereno longer contacted on the telephone numbers ending in ***, ***, [redacted] and ***Moreover, arestrictive status was added to the accounts, resulting in the suspension of purchasing privileges.On January 19, 2016, the Bank received an additional inquiry from [redacted] advising theremoval of their representation on any accounts held by the BankRegrettably, the restrictive status wasnot removed from all accounts.We have reviewed the applicable telephone calls, and regrettably, we can confirm that you wereinstructed to close your Venus accounts and reapplyCalls and letters of this nature are reviewed by ourmanagement team, and their recommendations regarding an appropriate resolution are followed.Please be assured your Venus accounts ending in [redacted] and [redacted] have been reopenedThe availableline of credit on each account is $If you would like to permanently close one of the accounts,please contact me at the number listed below.Bank records further indicate that you applied for a new Venus credit card account on January 25, 2016,and February 8, In the interest of customer service, we have sent notification to the national credit-reportingagencies with instructions to remove the credit inquiries for these dates from your credit file.Please allow the credit-reporting agencies days to update their records.However, please be aware that due to their compliance policies, the credit-reporting agencies do notdelete inquiries from a consumer's credit bureau reportWhen the Bank requests that an inquiry beremoved, the credit-reporting agencies will change it to a soft inquiryThis means that the inquiry onlyappears when the consumer pulls his or her own credit reportA soft inquiry does not appear on aconsumer's credit report that is provided to a lender or any other authorized party, and it does not impactthe consumer's credit scoreTherefore, you will continue to see the inquiry on your credit report, but it willnot be visible to anyone else who may pull your credit report.We have also reviewed your chadwicks, Newport News, Mandee, Victoria's Secret/PINK, andBrylaneHome accounts, and we are pleased to share our findings below.Our records indicate that your chadwicks account was reinstated on February 19, The accountbalance is zero and the available line of credit is $480.00.Our records indicate that your Mandee account was reinstated on February 19, The accountbalance is $and the available line of credit is $1,019.00.Our records indicate that your Newport News account was previously closed by Comenity Bank onFebruary 5, 2014, due to the termination of the credit program; as such, we are unwilling to reinstate theaccount.Our records indicate that your Victoria's Secret/PINK account was reinstated on January 27, Theaccount balance is $1,and the available line of credit is $1,704.00.Our records indicate that your BrylaneHome account ending in [redacted] has an account balance of $188.05and the available line of credit if $Please note this account was not impacted by the legalrepresentation of [redacted] ***.Our records indicate that your BrylaneHome account ending in [redacted] was written off on August 2, 2015,due to non-payment, with an unpaid balance of $On August 21, 2015, the account was sold to [redacted] .To discuss suitable payment arrangements, please contact [redacted] at ###-###-####.Lastly, Comenity Bank reports the same information to each of the national credit-reporting agencies.However, a recent review of the information reporting on your credit file did indicate a discrepancyPlease beassured that the credit-reporting agencies have been notified of the changes that need to be madePleaseallow days for the agencies to update their records.We are truly sorry about the manner in which your accounts were handled; you are a valued customer.Should you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)will be happy to assist you.Sincerely,Lauren S***
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]
Dear Mr [redacted] : We received your complaint, addressed to theRevdex.com, regarding the account referenced above Comenity Bank issues Pottery Barn credit cardaccounts, and we respond to account-related questions Your complaint was forwarded to my attention,and I appreciate the opportunity to respond to your concerns.We understand your concerns regarding thebalance on your account We furtherunderstand that you returned the purchases that were applied to your account I apologize for any inconvenience this mattermay have caused youWe have contacted Pottery Barn on your behalfregarding the purchases for $and $that were made on October 18, We have been advised that thepurchase for $was for a gift card that was purchased in store number ** The gift card was used in store number ***for a purchase of $ The remaining balanceon the gift card is $The purchase of $posted to the accountafter a $reward certificate and $gift card ending in [redacted] wasapplied the original purchase amount of $We were advised that Pottery Barn was unable to determine that thispurchase has been returned If you haveproof of this return, please submit the documentation to the address listedaboveOur records indicate that no payments werereceived from December through April In accordance the Credit Card Agreement, late fees and finance chargeshave been assessed to your account ComenityBank believes in reporting factual information to the national credit-reportingagencies We have reviewed your accountand we find that the information reported is correct; as such, we are unwillingto remove any delinquencies A payment of $was received on April 18,2015, and as of the date of this letter the account balance is $We hope this information is helpful Should you have any other questions orconcerns regarding this account, please feel free to contact me at###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, [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
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
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]
***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
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 [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***
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
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]
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
[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
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