Dear Ms[redacted]We received your complaint, addressed to the Revdex.com, regarding your HSN creditcard account. Comenity Capital Bank issues HSN credit card accounts, and we respond to allaccount-related questions. Your complaint was forwarded to my attention, and I appreciate...
theopportunity to assist you.We understand from the complaint that you made a payment in February that you intended to beapplied to February and March billing statements. You then contacted the Bank and were advisedthat the Bank does not accept advance payments, which you were unaware of. You state youwould like the late fee and any interest charges assessed due to this matter be reversed as wellas any negative reporting to be removed from your credit report.We understand your concerns, and sincerely apologize for any inconvenience this matter mayhave caused you.Please understand, Comenity Capital Bank does not allow customers to pay two monthlypayments with one payment, We do ask that a payment be made each billing cycle by the duedate. If needed you are able to make a payment online up to 30 days in advance. If needed you are able to make a payment online up to 30 days in advance.Although there were no Bank errors, in the interest of customer service, we have issued creditstotaling $35.00 for the previously assessed late fee. There were no negative payment informationreported to the credit-reporting agencies, therefore no changes have been made.As of the date of this letter, the balance on your HSN credit card account is $1,201.43.We value you as a customer, and hope you find this information to be helpful. If you have anyfurther questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Ashley R[redacted]
This is unjust. I called them with the banking information IN JANUARY. The company they portray is unreal. They do nothing to help customers in a positive manner at all.
Regards, [redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues Victoria’s Secret Angel credit card accounts. We are here to answer your questions and assist with your concerns. We understand from your complaint...
that you have had an outstanding issue for the last few months regarding return credits. You state that the Victoria’s Secret store claims they are unable to find the purchase and return after they were made. You further state that credits amounting to $1,200.00 have not been applied to the account. You have attempted to dispute this with Victoria’s Secret; however, you were informed that you need the return receipt to receive credit. You request Victoria’s Secret to investigate the returns from their receipts and credit the $1,200.00. I am happy to share my findings. Please note that Victoria’s Secret and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Victoria’s Secret is responsible for handling matters related to sales, merchandise processing, returns and shipping. Please understand in order to research a retail return, we need a copy of the return receipt. Unfortunately, the Bank is unable to assist you without a receipt. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
Comenity Bank has received your correspondence regarding the above-referencedapplication. Comenity Bank issues the Victoria’s Secret credit card. We are here to answer yourquestions and assist with your concerns.Your correspondence indicates you applied for an account; however, your application...
wasdeclined due to your credit score. You further state that other people have gotten approved witha lower credit score and bad credit history and you are unsure if your name had anything to dowith your application not being approved. You are requesting that the Bank approve yourapplication. We apologize for any frustration or inconvenience this matter may have caused you.Please be advised that Comenity Bank processes all applications for credit using a point scoringsystem. Credit-granting decisions are based in part on the information provided by the applicanton the credit application, and in part from the information obtained from the credit-reportingagencies.Please understand that Comenity Bank must make a credit decision based on the informationthat is provided from the credit-reporting agencies at the time of application.According to the letter that you received from our New Accounts Team, an account was notgranted due to information found on your credit file. If you believe this information is inaccurate,we encourage you to contact the credit-reporting agency directly to dispute the information. Theymay be contacted using the information below.Experian (TRW) Trans Union (TRU) Equifax (CBI)P.O. Box 2002701 Experian ParkwayAllen, TX 75013 - 0036###-###-####P.O. Box 390Springfield, PA 19064 - 0390###-###-####P.O. Box 740241Atlanta, GA 30374 - 0241###-###-####Comenity Bank’s decision remains unchanged. We invite you to re-apply after 30 days of youroriginal application date.I hope you found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Compliance Dept. – Consumer Resp
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Bergner’s credit card. We are here to answer your questions and assist with your concerns. We understand from your correspondence, you...
received a late fee of $33.00. You called the Bank to inquire about the fee, and were advised that your payment was $2.00 less than the required minimum payment due. You further state that you had called the previous month regarding a late fee, and it was removed. During that call, you were advised that your minimum payment would be $27.00. You made a payment of $30.00, yet the account was still assessed a late fee. You are requesting to have the late fee removed from your account. Bank records indicate your payment due date is the 21st of every month. The Bergner’s account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing period. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. A billing statement was issued to you on January 26, 2017, with a balance of $903.05 and a minimum payment of $32.00 due on February 21, 2017. A payment of $30.00 was received on February 23, 2017. As this payment was less than the minimum required amount, and was received after the due date, a late fee of $27.00 was assessed to the account in accordance with the Credit Card Agreement. A billing statement was issued to you on February 23, 2017, with a balance of $917.91 and a minimum payment of $33.00 due on March 21, 2017. A late fee credit of $27.00, and a partial finance charge credit of $.11, were issued on March 3, 2017. A payment of $30.00 was received on March 21, 2017. As this payment was less than the minimum required amount, a late fee of $33.00 was assessed to the account in accordance with the Credit Card Agreement. A billing statement was issued to you on March 26, 2017, with a balance of $913.43 and a minimum payment of $32.00 due on April 21, 2017. A payment of $40.00 was received on March 15, 2017. At this time, your account is current. Due to a late fee credit that was issued to the account on March 3, 2017, your account is not eligible to have an additional late fee credited. 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 service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Rosa M[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Catherines credit card. We are here to answer your questions and assist with your concerns. Your correspondence indicates that your...
relatives have been receiving collection calls from the Bank, and giving out your personal information. This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance. We want you to have a positive customer experience with the Bank, and we have updated your phone number(s) ending in [redacted], and [redacted] with “Do not Call” instructions. Regarding the call(s) placed to your brother’s business work number, when the Bank has been unable to reach our customer, we will utilize various resources to obtain contact information where the customer may be reached. When an account is delinquent, we will make proactive attempts to contact the customer, to communicate the situation and work out repayment arrangements to minimize any negative credit reporting impacts. Many times a payment is overlooked, and reminder calls or repayment discussions are helpful to bring the account back to a current status. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Pottery Barn credit card. We are here to answer your questions and assist withyour concerns.In the correspondence, you indicate you purchased an item from Pottery Barn that was...
delivered with theincorrect color and name inscription. You mention you were advised the account would be refunded andthe correct item would be shipped at no cost. The account was not credited and after speaking to arepresentative who advised the issue would be corrected, the account was not corrected and a late fee wascharged. You state you have spoken to Pottery Barn multiple times and nothing has been corrected. Youstate you were advised you would not get a late fee while the account was in dispute; however, a secondlate fee was charged. You are requesting the late fees be removed and for the balance to be zero.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 service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.Please note Comenity Bank and Pottery Barn are two separate entities. The Bank issues and is responsiblefor addressing questions related to your credit card account. Pottery Barn is responsible for handlingmatters related to sales, merchandise processing, returns and shipping.Please be assured Pottery Barn has credited the account for the merchandise, and we have credited theassociated Bank fees. Your account balance is zero as of February 15, 2018. We appreciate your patiencewhile we resolved this matter.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at (800) 820-8932.Sincerely,Nicole FCompliance Dept. – Consumer Responses
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued the [redacted] credit card. We are here to answer your questions and assist with your concerns. We...
understand from your correspondence that you made a payment of $38.25 on August 24, 2017, to bring your account to a zero balance. However, as the payment was received after your due date, a late fee was assessed to the account. You state that although you contacted the Bank in October 2017 and requested to have the fee waived, you never received any additional communication regarding this matter. When you spoke with another representative of the Bank on December 28, 2017, the representative offered to remove the remaining balance, if you made a payment of $30.00. You are requesting to have all late payments removed, and your account credited to a zero balance. 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 service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement. On July 26, 2017, a billing statement was issued reflecting a balance of $38.25, and a minimum payment of $20.00 due by August 21, 2017. On August 24, 2017, a payment of $38.25 posted to the account. However, as the payment was received after the due date cut-off time, a late fee of $20.00 and a finance charge of $1.00 were assessed to the account. On August 26, 2017, a billing statement was issued reflecting a balance of $21.00, and a minimum payment of $20.00 due by September 21, 2017. As no payment was received, another late fee and finance charge were assessed to the account. On September 25, 2017, a billing statement was issued reflecting a balance of $42.00 and a minimum payment of $25.00 due by October 21, 2017. This card was issued by Comenity Bank pursuant to a license by [redacted] International Incorporated. [redacted] is a registered trademark of [redacted] International Incorporated. On September 26, 2017, a payment of $21.00 posted to the account. The Bank has made the decision to no longer hold you responsible for the remaining account balance. In the interest of customer service, we issued credits of $94.13 to remove the previously assessed late fees and finance charges. Notification has been sent to the credit reporting agencies, regarding the above-referenced account, with instructions to remove the negative payment information from your credit bureau report. Please allow up to 45 days for the credit reporting agencies to update their records. On July 28, 2010, the account was closed, as the [redacted] account offered by Comenity Bank was discontinued. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Laura R[redacted] 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 you. We understand your concerns regarding the late fee, and that you did not receive a monthly paper billing statement for your June 2015 due date. We apologize for any inconvenience or frustration that this matter may have caused you. Our 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, on December 20, 2009. On May 2, 2015, online payment information was updated and the paperless statement option was chosen. On May 29, 2015, your statement ready email was sent to the following email address: [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 the 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 be assured that the paperless statement option on your New York & Company account was cancelled on July 1, 2015. Your next billing statement will be issued on July 25, 2015, and will arrive via United States Postal Service to your address listed above. In the interest of customer service, we have issued credit in the amount of $25.00 for the late fee that was recently assessed on your account. I 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]
In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 8/25//2017.
I read everything and they credited the account accordingly. I do not agree with how they wrote it but I received the full credit I believed I deserved so I consider it resolved.
Dear [redacted] We received your complaint regarding the above-referenced credit card account. Comenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. In your complaint, you state that there is an inquiry from the Bank on your credit bureau report from August 2015. You further state that you have been a victim of identity theft, and that this inquiry is fraudulent. You are requesting that we remove the inquiry from your credit bureau report. Please be assured that we have received the information you provided and we thank you for the additional information. You stated that there was an inquiry made on your credit report in August 2015, please be advised that we would need the brand/store name for the account that was applied for in order to review the inquiry that posted to your credit bureau file. Please provide more information on how this inquiry appears on your credit report. Furthermore, we used your social security number to see if an account was opened in your name and our records indicate that there was an EXPRESS account in your name, which was opened on May 30, 1996. The last purchase of $229.00 was made on June 3, 1996, and the last payment of $444.78 was received on December 18, 2001. Our records further indicate that as of November 16, 2015, we deleted the EXPRESS account in its entirety from your credit report. I hope you find this information to be helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Jenny W[redacted]
Thank you for contacting Comenity Bank regarding the above-referenced account. As the bank that issuesVictoria’s Secret/PINK credit cards, we are here to help answer account-related questions. Your complaint,submitted to the Revdex.com, was forwarded to my attention, and I appreciate the...
opportunityto assist you.We understand from your complaint that you sent a payment for $1,360.48, which never posted to youraccount. You were advised that after making returns that these returns were used towards your paymentdue. You were also advised that a payment stub was received but there was no check inside the envelope,yet your financial institute confirmed that the payment was electronically cashed by Comenity Bank. Youdo not want to be charged additional interest and you are not sure if you should pay the balance again andwait for a refund, or allow this mistake to affect your credit score.Please be assured that we have reviewed Bank records, and we sincerely apologize for the frustration andinconvenience you have experienced as a result of this matter.Bank records indicate that you disputed the missing payment previously and provided documentation fromyour financial institution that the check was cashed by Comenity Bank. The payment for $1,360.48 waslocated and posted to your account on December 23, 2015. At that time, you had a balance remaining of$317.07, which reflected in the response that was sent to you on January 8, 2016.However, since this response, you have had multiple return credits post to your account and we receivedan additional payment for $1,360.48. As a result, the account has a credit balance of $1,291.60. A refundcheck of this amount has been requested to be sent to you, and should be received within 30 days.In addition, please be assured that there have been no delinquencies reported to the credit bureausregarding your Victoria’s Secret/PINK account.You are a valued customer and we hope this information is helpful. If you have any further questions orconcerns, please contact me at 1.800.675.5685, ext. [redacted] (TDD/TTY 1.800.695.1788). I will be happyto assist you.Sincerely,Shawnda Y[redacted]Consumer Relations Specialist
Dear Ms. [redacted]: Thank you for contacting Comenity Capital Bank. As the bank that issues HSN credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my...
attention for review. I appreciate the opportunity to assist you. We understand from your complaint, you ordered an item from HSN totaling $161.49 on April 26, 2015, which you asked to be placed on your Visa credit card. You state that you confirmed the amount with the HSN representative, and received the item within a few weeks. However, in July 2015, you began to receive telephone calls from Comenity Capital Bank, advising you that the above-mentioned item was applied to your HSN credit card account. In an attempt to rectify this matter, you agreed to pay $61.53, which was the amount quoted to you by a Bank representative, minus any of the previously assessed Bank fees. You are requesting confirmation that the account balance is zero and that your credit has not been negatively impacted by this matter. We sincerely apologize for any inconvenience or frustration you may have experienced as a result of this matter. Thank you for taking the time to speak with me on October 5, 2015, regarding this matter. As a follow-up to our conversation, Bank records indicate on April 26, 2015, a charge of $44.89 was applied to the HSN account for a SSC Mirco Current Egg, Flex Payment 1 of 6. On May 18, 2015, a statement was issued indicating a balance of $44.89 with a minimum payment of $25.00, due by June 13, 2015. As no payment was received, a late fee and finance charge were applied to the account, pursuant to the terms outlined in the Credit Card Agreement (CCA). On May 26, 2015, a charge of $23.32, for Flex Payment 2 of 6, was applied to the HSN account. A statement was issued on June 17, 2015, indicating a balance of $94.71 with a minimum payment of $30.00, due by July 13, 2015. Again, as no payment was received, a late fee and finance charge were applied to the account. On June 25, 2015, a charge of $23.32, for Flex Payment 3 of 6, was applied to the HSN account. A statement was issued on July 18, 2015, indicating a balance of $150.77 with a minimum payment of $38.00, due by August 13, 2015. No payment was received which resulted in another late fee and finance charge being assessed to the account. Thank you for your payment of $61.53, which posted to the account on August 19, 2015. This payment satisfied the minimum payment amount due by September 13, 2015. Please understand, when the Bank’s records show that the minimum payment due was not received, in full, by the due date; the Bank will make attempts to contact you, via an automated dialing system, regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Per your request, we have notated the above-referenced account to ensure that you are no longer contacted via an automated dialing system. Additionally, Bank records indicate that the monthly billing statements were issued to you via U.S. mail and were delivered on June 25, 2015, July 27, 2015, and August 25, 2015. Bank records do not indicate a confirmation of delivery for the statement issued on May 18, 2015. However, we also have no record of any statement being returned as undeliverable. Enclosed, please find a copy of the monthly billing statements, for your review. Based upon the issues outlined in your complaint, we have reviewed the applicable phone conversations and correspondence sent to the Bank. Our records do not indicate that you were advised the account balance would be reduced to zero after your payment of $61.53. However, our records indicate that on August 18, 2015, you were advised that the account had an outstanding balance of $120.77, including late fees and finance charges. Furthermore, our records indicate that you were provided incorrect information regarding the amount that was applied to the account for the item, minus any of the previously assessed Bank fees. Due to this error, in the interest of customer service, we have issued credits totaling $69.84 for the previously assessed Bank fees. The remaining balance on the account is $30.00, which includes $6.68, for Flex Payment 2 of 6 and $23.32, for Flex Payment 3 of 6. Thank you for scheduling a payment of $30.00, on October 5, 2015, to satisfy the account balance. Lastly, notification has been sent to the national credit-reporting agencies with instructions to remove the reported delinquencies for July and August 2015. Please allow the credit-reporting agencies 45 days to update their records. You are a valued customer, and we 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, Lauren S[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Bank issues the Williams Sonoma Visa credit card. We are here to answer your questions and assist with your concerns. We understand you are disappointed with the change in terms for your account, and that you will review your credit report to confirm the change the Bank previously requested. Please be advised we have notated your account accordingly.. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kristina W[redacted]
Dear [redacted]We received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues TALBOTS credit card accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to address your concerns. We understand your concerns as explained in your correspondence. You stated that you were charged a late fee, even though you made a payment online before midnight. You were told to contact the bank if a late fee was applied. You request an adjustment and a correction on your credit report, as you are disputing the $27.00 late fee. Also, you would like to know why the billing is not created to allow a 24 hour window for online payments. Bank records indicate the TALBOTS account was opened on August 26, 2016; use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. Our records indicate that the payment due date on your TALBOTS account is the 19th of every month. There is no grace period. Late fees are assessed to the account if payment is not received, received for less than the minimum due required, or received after the payment due date cute off time, as explained in the CCA. Your payment of $299.67 posted to the account on October 20, 2016. Since the payment was received after the due date, a late fee of $27.00 was assessed to the account. In the interest of customer service, on November 1, 2016, we issued credit for the $27.00 late fee. As of the date of this letter, the account balance is zero. In addition, to provide the best customer service possible, we offer multiple ways to make a payment. Please choose a payment 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 payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted before 8:00 p.m. Eastern Time (ET) can be credited to your account same-day. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from
your personal bank account to your TALBOTS account.
Mail: Send your payment and payment coupon in
the envelope that came with your billing statement. We recommend allowing a week for the payment
to arrive. If you’re a paperless
customer, print out a payment 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 of your billing statement
before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited
payments made with the representative.
Please be assured that Comenity Bank has not
reported negative payment information to the national credit-reporting
agencies, regarding your TALBOTS account.
We hope you find this information helpful. Should
you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
I was told over the phone on March 7th that I would be charged a return payment fee in a couple of days. That is EXACTLY what happened.I also CONFIRMED with my bank that the account info was correct, but that their account numbers are long and sometimes people have difficulty with the account numbers. Seeing as how I put in the CORRECT account number the first time around, but your system was not able to process it correctly, I should not be charged a return check fee.There is a return check fee currently on my account for this transaction! Your letter response, stating that there was NO return check fee, is not correct.
Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank previously issued the Virgin America Visa credit card.We are here to answer your questions and assist with your concerns.We understand that you were advised the credit card...
program for Virgin America would be ending.You explain that you paid off your balance, then received a billing statement that had the annualfee assessed. When contacting the Bank, you were advised that you must pay the amount, anda prorated return would be made in several months. You do not want to be billed for services thatwill not be provided.After a review of our records, we found that customers with renewals in December wereinadvertently assessed the annual fee.Please be advised the renewal fee of $149.00 that was assessed on December 24, 2017, will becredited in full within the next one to two billing statements. Please be aware that no minimumpayment is due, and this will be reflected on your billing statements.We apologize for the incorrect information you were provided when you contacted the Bank, andfor any inconvenience or frustration this matter may have caused you. Please be assured mattersof this nature are referred to management so additional training can be provided to our associates.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]Compliance Dept. – Consumer Responses
Dear Ms[redacted]We received your complaint, addressed to the Revdex.com, regarding your HSN creditcard account. Comenity Capital Bank issues HSN credit card accounts, and we respond to allaccount-related questions. Your complaint was forwarded to my attention, and I appreciate...
theopportunity to assist you.We understand from the complaint that you made a payment in February that you intended to beapplied to February and March billing statements. You then contacted the Bank and were advisedthat the Bank does not accept advance payments, which you were unaware of. You state youwould like the late fee and any interest charges assessed due to this matter be reversed as wellas any negative reporting to be removed from your credit report.We understand your concerns, and sincerely apologize for any inconvenience this matter mayhave caused you.Please understand, Comenity Capital Bank does not allow customers to pay two monthlypayments with one payment, We do ask that a payment be made each billing cycle by the duedate. If needed you are able to make a payment online up to 30 days in advance. If needed you are able to make a payment online up to 30 days in advance.Although there were no Bank errors, in the interest of customer service, we have issued creditstotaling $35.00 for the previously assessed late fee. There were no negative payment informationreported to the credit-reporting agencies, therefore no changes have been made.As of the date of this letter, the balance on your HSN credit card account is $1,201.43.We value you as a customer, and hope you find this information to be helpful. If you have anyfurther questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Ashley R[redacted]
Consumer contacted Revdex.com by phone and left voice message stating issue has been resolved.
This is unjust. I called them with the banking information IN JANUARY. The company they portray is unreal. They do nothing to help customers in a positive manner at all.
Regards, [redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues Victoria’s Secret Angel credit card accounts. We are here to answer your questions and assist with your concerns. We understand from your complaint...
that you have had an outstanding issue for the last few months regarding return credits. You state that the Victoria’s Secret store claims they are unable to find the purchase and return after they were made. You further state that credits amounting to $1,200.00 have not been applied to the account. You have attempted to dispute this with Victoria’s Secret; however, you were informed that you need the return receipt to receive credit. You request Victoria’s Secret to investigate the returns from their receipts and credit the $1,200.00. I am happy to share my findings. Please note that Victoria’s Secret and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Victoria’s Secret is responsible for handling matters related to sales, merchandise processing, returns and shipping. Please understand in order to research a retail return, we need a copy of the return receipt. Unfortunately, the Bank is unable to assist you without a receipt. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
Comenity Bank has received your correspondence regarding the above-referencedapplication. Comenity Bank issues the Victoria’s Secret credit card. We are here to answer yourquestions and assist with your concerns.Your correspondence indicates you applied for an account; however, your application...
wasdeclined due to your credit score. You further state that other people have gotten approved witha lower credit score and bad credit history and you are unsure if your name had anything to dowith your application not being approved. You are requesting that the Bank approve yourapplication. We apologize for any frustration or inconvenience this matter may have caused you.Please be advised that Comenity Bank processes all applications for credit using a point scoringsystem. Credit-granting decisions are based in part on the information provided by the applicanton the credit application, and in part from the information obtained from the credit-reportingagencies.Please understand that Comenity Bank must make a credit decision based on the informationthat is provided from the credit-reporting agencies at the time of application.According to the letter that you received from our New Accounts Team, an account was notgranted due to information found on your credit file. If you believe this information is inaccurate,we encourage you to contact the credit-reporting agency directly to dispute the information. Theymay be contacted using the information below.Experian (TRW) Trans Union (TRU) Equifax (CBI)P.O. Box 2002701 Experian ParkwayAllen, TX 75013 - 0036###-###-####P.O. Box 390Springfield, PA 19064 - 0390###-###-####P.O. Box 740241Atlanta, GA 30374 - 0241###-###-####Comenity Bank’s decision remains unchanged. We invite you to re-apply after 30 days of youroriginal application date.I hope you found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Compliance Dept. – Consumer Resp
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Bergner’s credit card. We are here to answer your questions and assist with your concerns. We understand from your correspondence, you...
received a late fee of $33.00. You called the Bank to inquire about the fee, and were advised that your payment was $2.00 less than the required minimum payment due. You further state that you had called the previous month regarding a late fee, and it was removed. During that call, you were advised that your minimum payment would be $27.00. You made a payment of $30.00, yet the account was still assessed a late fee. You are requesting to have the late fee removed from your account. Bank records indicate your payment due date is the 21st of every month. The Bergner’s account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing period. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. A billing statement was issued to you on January 26, 2017, with a balance of $903.05 and a minimum payment of $32.00 due on February 21, 2017. A payment of $30.00 was received on February 23, 2017. As this payment was less than the minimum required amount, and was received after the due date, a late fee of $27.00 was assessed to the account in accordance with the Credit Card Agreement. A billing statement was issued to you on February 23, 2017, with a balance of $917.91 and a minimum payment of $33.00 due on March 21, 2017. A late fee credit of $27.00, and a partial finance charge credit of $.11, were issued on March 3, 2017. A payment of $30.00 was received on March 21, 2017. As this payment was less than the minimum required amount, a late fee of $33.00 was assessed to the account in accordance with the Credit Card Agreement. A billing statement was issued to you on March 26, 2017, with a balance of $913.43 and a minimum payment of $32.00 due on April 21, 2017. A payment of $40.00 was received on March 15, 2017. At this time, your account is current. Due to a late fee credit that was issued to the account on March 3, 2017, your account is not eligible to have an additional late fee credited. 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 service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Rosa M[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Catherines credit card. We are here to answer your questions and assist with your concerns. Your correspondence indicates that your...
relatives have been receiving collection calls from the Bank, and giving out your personal information. This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance. We want you to have a positive customer experience with the Bank, and we have updated your phone number(s) ending in [redacted], and [redacted] with “Do not Call” instructions. Regarding the call(s) placed to your brother’s business work number, when the Bank has been unable to reach our customer, we will utilize various resources to obtain contact information where the customer may be reached. When an account is delinquent, we will make proactive attempts to contact the customer, to communicate the situation and work out repayment arrangements to minimize any negative credit reporting impacts. Many times a payment is overlooked, and reminder calls or repayment discussions are helpful to bring the account back to a current status. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Pottery Barn credit card. We are here to answer your questions and assist withyour concerns.In the correspondence, you indicate you purchased an item from Pottery Barn that was...
Compliance Dept. – Consumer Responses
delivered with theincorrect color and name inscription. You mention you were advised the account would be refunded andthe correct item would be shipped at no cost. The account was not credited and after speaking to arepresentative who advised the issue would be corrected, the account was not corrected and a late fee wascharged. You state you have spoken to Pottery Barn multiple times and nothing has been corrected. Youstate you were advised you would not get a late fee while the account was in dispute; however, a secondlate fee was charged. You are requesting the late fees be removed and for the balance to be zero.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 service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.Please note Comenity Bank and Pottery Barn are two separate entities. The Bank issues and is responsiblefor addressing questions related to your credit card account. Pottery Barn is responsible for handlingmatters related to sales, merchandise processing, returns and shipping.Please be assured Pottery Barn has credited the account for the merchandise, and we have credited theassociated Bank fees. Your account balance is zero as of February 15, 2018. We appreciate your patiencewhile we resolved this matter.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at (800) 820-8932.Sincerely,Nicole F
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued the [redacted] credit card. We are here to answer your questions and assist with your concerns. We...
understand from your correspondence that you made a payment of $38.25 on August 24, 2017, to bring your account to a zero balance. However, as the payment was received after your due date, a late fee was assessed to the account. You state that although you contacted the Bank in October 2017 and requested to have the fee waived, you never received any additional communication regarding this matter. When you spoke with another representative of the Bank on December 28, 2017, the representative offered to remove the remaining balance, if you made a payment of $30.00. You are requesting to have all late payments removed, and your account credited to a zero balance. 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 service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement. On July 26, 2017, a billing statement was issued reflecting a balance of $38.25, and a minimum payment of $20.00 due by August 21, 2017. On August 24, 2017, a payment of $38.25 posted to the account. However, as the payment was received after the due date cut-off time, a late fee of $20.00 and a finance charge of $1.00 were assessed to the account. On August 26, 2017, a billing statement was issued reflecting a balance of $21.00, and a minimum payment of $20.00 due by September 21, 2017. As no payment was received, another late fee and finance charge were assessed to the account. On September 25, 2017, a billing statement was issued reflecting a balance of $42.00 and a minimum payment of $25.00 due by October 21, 2017. This card was issued by Comenity Bank pursuant to a license by [redacted] International Incorporated. [redacted] is a registered trademark of [redacted] International Incorporated. On September 26, 2017, a payment of $21.00 posted to the account. The Bank has made the decision to no longer hold you responsible for the remaining account balance. In the interest of customer service, we issued credits of $94.13 to remove the previously assessed late fees and finance charges. Notification has been sent to the credit reporting agencies, regarding the above-referenced account, with instructions to remove the negative payment information from your credit bureau report. Please allow up to 45 days for the credit reporting agencies to update their records. On July 28, 2010, the account was closed, as the [redacted] account offered by Comenity Bank was discontinued. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Laura R[redacted] 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 you. We understand your concerns regarding the late fee, and that you did not receive a monthly paper billing statement for your June 2015 due date. We apologize for any inconvenience or frustration that this matter may have caused you. Our 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, on December 20, 2009. On May 2, 2015, online payment information was updated and the paperless statement option was chosen. On May 29, 2015, your statement ready email was sent to the following email address: [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 the 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 be assured that the paperless statement option on your New York & Company account was cancelled on July 1, 2015. Your next billing statement will be issued on July 25, 2015, and will arrive via United States Postal Service to your address listed above. In the interest of customer service, we have issued credit in the amount of $25.00 for the late fee that was recently assessed on your account. I 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]
In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 8/25//2017.
I read everything and they credited the account accordingly. I do not agree with how they wrote it but I received the full credit I believed I deserved so I consider it resolved.
Thank you so much for your help.
Dear [redacted] We received your complaint regarding the above-referenced credit card account. Comenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. In your complaint, you state that there is an inquiry from the Bank on your credit bureau report from August 2015. You further state that you have been a victim of identity theft, and that this inquiry is fraudulent. You are requesting that we remove the inquiry from your credit bureau report. Please be assured that we have received the information you provided and we thank you for the additional information. You stated that there was an inquiry made on your credit report in August 2015, please be advised that we would need the brand/store name for the account that was applied for in order to review the inquiry that posted to your credit bureau file. Please provide more information on how this inquiry appears on your credit report. Furthermore, we used your social security number to see if an account was opened in your name and our records indicate that there was an EXPRESS account in your name, which was opened on May 30, 1996. The last purchase of $229.00 was made on June 3, 1996, and the last payment of $444.78 was received on December 18, 2001. Our records further indicate that as of November 16, 2015, we deleted the EXPRESS account in its entirety from your credit report. I hope you find this information to be helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Jenny W[redacted]
Thank you for contacting Comenity Bank regarding the above-referenced account. As the bank that issuesVictoria’s Secret/PINK credit cards, we are here to help answer account-related questions. Your complaint,submitted to the Revdex.com, was forwarded to my attention, and I appreciate the...
opportunityto assist you.We understand from your complaint that you sent a payment for $1,360.48, which never posted to youraccount. You were advised that after making returns that these returns were used towards your paymentdue. You were also advised that a payment stub was received but there was no check inside the envelope,yet your financial institute confirmed that the payment was electronically cashed by Comenity Bank. Youdo not want to be charged additional interest and you are not sure if you should pay the balance again andwait for a refund, or allow this mistake to affect your credit score.Please be assured that we have reviewed Bank records, and we sincerely apologize for the frustration andinconvenience you have experienced as a result of this matter.Bank records indicate that you disputed the missing payment previously and provided documentation fromyour financial institution that the check was cashed by Comenity Bank. The payment for $1,360.48 waslocated and posted to your account on December 23, 2015. At that time, you had a balance remaining of$317.07, which reflected in the response that was sent to you on January 8, 2016.However, since this response, you have had multiple return credits post to your account and we receivedan additional payment for $1,360.48. As a result, the account has a credit balance of $1,291.60. A refundcheck of this amount has been requested to be sent to you, and should be received within 30 days.In addition, please be assured that there have been no delinquencies reported to the credit bureausregarding your Victoria’s Secret/PINK account.You are a valued customer and we hope this information is helpful. If you have any further questions orconcerns, please contact me at 1.800.675.5685, ext. [redacted] (TDD/TTY 1.800.695.1788). I will be happyto assist you.Sincerely,Shawnda Y[redacted]Consumer Relations Specialist
Dear Ms. [redacted]: Thank you for contacting Comenity Capital Bank. As the bank that issues HSN credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my...
attention for review. I appreciate the opportunity to assist you. We understand from your complaint, you ordered an item from HSN totaling $161.49 on April 26, 2015, which you asked to be placed on your Visa credit card. You state that you confirmed the amount with the HSN representative, and received the item within a few weeks. However, in July 2015, you began to receive telephone calls from Comenity Capital Bank, advising you that the above-mentioned item was applied to your HSN credit card account. In an attempt to rectify this matter, you agreed to pay $61.53, which was the amount quoted to you by a Bank representative, minus any of the previously assessed Bank fees. You are requesting confirmation that the account balance is zero and that your credit has not been negatively impacted by this matter. We sincerely apologize for any inconvenience or frustration you may have experienced as a result of this matter. Thank you for taking the time to speak with me on October 5, 2015, regarding this matter. As a follow-up to our conversation, Bank records indicate on April 26, 2015, a charge of $44.89 was applied to the HSN account for a SSC Mirco Current Egg, Flex Payment 1 of 6. On May 18, 2015, a statement was issued indicating a balance of $44.89 with a minimum payment of $25.00, due by June 13, 2015. As no payment was received, a late fee and finance charge were applied to the account, pursuant to the terms outlined in the Credit Card Agreement (CCA). On May 26, 2015, a charge of $23.32, for Flex Payment 2 of 6, was applied to the HSN account. A statement was issued on June 17, 2015, indicating a balance of $94.71 with a minimum payment of $30.00, due by July 13, 2015. Again, as no payment was received, a late fee and finance charge were applied to the account. On June 25, 2015, a charge of $23.32, for Flex Payment 3 of 6, was applied to the HSN account. A statement was issued on July 18, 2015, indicating a balance of $150.77 with a minimum payment of $38.00, due by August 13, 2015. No payment was received which resulted in another late fee and finance charge being assessed to the account. Thank you for your payment of $61.53, which posted to the account on August 19, 2015. This payment satisfied the minimum payment amount due by September 13, 2015. Please understand, when the Bank’s records show that the minimum payment due was not received, in full, by the due date; the Bank will make attempts to contact you, via an automated dialing system, regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Per your request, we have notated the above-referenced account to ensure that you are no longer contacted via an automated dialing system. Additionally, Bank records indicate that the monthly billing statements were issued to you via U.S. mail and were delivered on June 25, 2015, July 27, 2015, and August 25, 2015. Bank records do not indicate a confirmation of delivery for the statement issued on May 18, 2015. However, we also have no record of any statement being returned as undeliverable. Enclosed, please find a copy of the monthly billing statements, for your review. Based upon the issues outlined in your complaint, we have reviewed the applicable phone conversations and correspondence sent to the Bank. Our records do not indicate that you were advised the account balance would be reduced to zero after your payment of $61.53. However, our records indicate that on August 18, 2015, you were advised that the account had an outstanding balance of $120.77, including late fees and finance charges. Furthermore, our records indicate that you were provided incorrect information regarding the amount that was applied to the account for the item, minus any of the previously assessed Bank fees. Due to this error, in the interest of customer service, we have issued credits totaling $69.84 for the previously assessed Bank fees. The remaining balance on the account is $30.00, which includes $6.68, for Flex Payment 2 of 6 and $23.32, for Flex Payment 3 of 6. Thank you for scheduling a payment of $30.00, on October 5, 2015, to satisfy the account balance. Lastly, notification has been sent to the national credit-reporting agencies with instructions to remove the reported delinquencies for July and August 2015. Please allow the credit-reporting agencies 45 days to update their records. You are a valued customer, and we 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, Lauren S[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Bank issues the Williams Sonoma Visa credit card. We are here to answer your questions and assist with your concerns. We understand you are disappointed with the change in terms for your account, and that you will review your credit report to confirm the change the Bank previously requested. Please be advised we have notated your account accordingly.. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kristina W[redacted]
Dear [redacted]We received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues TALBOTS credit card accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to address your concerns. We understand your concerns as explained in your correspondence. You stated that you were charged a late fee, even though you made a payment online before midnight. You were told to contact the bank if a late fee was applied. You request an adjustment and a correction on your credit report, as you are disputing the $27.00 late fee. Also, you would like to know why the billing is not created to allow a 24 hour window for online payments. Bank records indicate the TALBOTS account was opened on August 26, 2016; use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. Our records indicate that the payment due date on your TALBOTS account is the 19th of every month. There is no grace period. Late fees are assessed to the account if payment is not received, received for less than the minimum due required, or received after the payment due date cute off time, as explained in the CCA. Your payment of $299.67 posted to the account on October 20, 2016. Since the payment was received after the due date, a late fee of $27.00 was assessed to the account. In the interest of customer service, on November 1, 2016, we issued credit for the $27.00 late fee. As of the date of this letter, the account balance is zero. In addition, to provide the best customer service possible, we offer multiple ways to make a payment. Please choose a payment 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 payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted before 8:00 p.m. Eastern Time (ET) can be credited to your account same-day. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from
your personal bank account to your TALBOTS account.
Mail: Send your payment and payment coupon in
the envelope that came with your billing statement. We recommend allowing a week for the payment
to arrive. If you’re a paperless
customer, print out a payment 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 of your billing statement
before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited
payments made with the representative.
Please be assured that Comenity Bank has not
reported negative payment information to the national credit-reporting
agencies, regarding your TALBOTS account.
We hope you find this information helpful. Should
you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
I was told over the phone on March 7th that I would be charged a return payment fee in a couple of days. That is EXACTLY what happened.I also CONFIRMED with my bank that the account info was correct, but that their account numbers are long and sometimes people have difficulty with the account numbers. Seeing as how I put in the CORRECT account number the first time around, but your system was not able to process it correctly, I should not be charged a return check fee.There is a return check fee currently on my account for this transaction! Your letter response, stating that there was NO return check fee, is not correct.
Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank previously issued the Virgin America Visa credit card.We are here to answer your questions and assist with your concerns.We understand that you were advised the credit card...
program for Virgin America would be ending.You explain that you paid off your balance, then received a billing statement that had the annualfee assessed. When contacting the Bank, you were advised that you must pay the amount, anda prorated return would be made in several months. You do not want to be billed for services thatwill not be provided.After a review of our records, we found that customers with renewals in December wereinadvertently assessed the annual fee.Please be advised the renewal fee of $149.00 that was assessed on December 24, 2017, will becredited in full within the next one to two billing statements. Please be aware that no minimumpayment is due, and this will be reflected on your billing statements.We apologize for the incorrect information you were provided when you contacted the Bank, andfor any inconvenience or frustration this matter may have caused you. Please be assured mattersof this nature are referred to management so additional training can be provided to our associates.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]Compliance Dept. – Consumer Responses