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]
I am rejecting this response because:1. As per the note from [redacted], we never received a letter from the bank asking for additional information in writing on the dispute.2. Comenity bank has closed the dispute with our informing us in any form that they will be closing the disupte.3. When asked for a proof that a letter has been sent, no one from the bank could produce one.4. Even on multiple phone calls, their customer service did not mention that they need additional information in writing.5. So they closed the dispute with out informing us, while we were under the impression that the dispute is still open and we do not have to make any payments.6. The following are the people we talked to:· Josyln/Rosyln – was not sure as she did not give me a correct name· Meyer· Tony· Mitchell – extension [redacted] - this was back in August 2017 · Lisa – Employee ID [redacted] · miss Hoomes Ext [redacted]· Micheal Ext [redacted] · Mimi - customer care with comenity bank· Stephen - customer care· Tyronne – collections· Erica at [redacted]7. christina worley [redacted] mentioned she would send a second letter but never sent one. She also give me a wrong contact number on purpose and lied to me. She was supposed to as why the 'technical issue with sending "secure message was not working" but she send responded to it. After I tried to call her on the number I realized that she gave me a wrong number intentionally.8. After all this, they reported to credit agencies on the late payment, when asked about removing that, they are not ready to do it. I have not received a straight answer from them yet on this issue. this is a fraud bank with 1 rating on YELP. [redacted]
What are the legal actions possible against this bank. Thanks Regards,
[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 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]
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 2-3 business days to resolve the issue.Please reply to this email with any additional...
questions related to your inquiry.Sincerely,Consumer Support Group
Hello,I am responding on behalf of Revdex.com Concern #11027123. This client was upset about a $25 fee incurred on her Ann Taylor account due to a failed payment issue. To research this concern further we connected with Comenity Bank which manages and operates the Ann Taylor credit card. It was determined...
that the client's initial payment attempt was unsuccessful due to an incorrect checking/banking number being entered during payment. As such the payment failed and a $25 fee was applied to the client.In the interest of customer service we have had a representative from Comenity reach out to the client directly on 1/6/16 and explain the situation. In addition they have removed the fees accrued due to this error. Our offices have also sent the client written confirmation on 1/7/16 of the above and advised on the resolution provided by Comenity Bank. I have invited the client to inform us should she encounter any further account related concerns.Sincerely, Rob L[redacted]Assistant Manager, Corporate Client ContactANN INC. / Ann Taylor
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.You state you have been trying to pay your bill for at least six months and...
you have been passed around to people who can’t help you process your payment. You state you called TransUnion in an attempt to have them contact someone so you could make a payment; however, the attempts were unsuccessful. You do not feel safe sending a large check without talking to someone first about your growing bill. You are requesting to talk to the company, pay your bill in the proper amount, and have the account removed from your credit bureau after it is paid. We have reviewed your account and we are happy to share our findings. We have enclosed copies of your monthly billing statements, for your review. Your monthly billing statements were mailed to the address of [redacted] Boulevard, Apartment [redacted], Kansas City, Missouri 64106. We have no record of the statements being returned by the post office. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee and finance charge may be assessed to the account, as explained in the Credit Card Agreement. Our records indicate a purchase of $43.54 posted to the account on November 5, 2015. On November 16, 2015, a billing statement was issued reflecting a balance of $43.54, and a minimum payment of $25.00 due by December 12, 2015. As no payment was received, a late fee and a finance charge were assessed to the account. On December 17, 2015, a billing statement was issued reflecting a balance of $69.58, and a minimum payment of $30.00 due by January 12, 2016. As no payment was received, another late fee and a finance charge were assessed to the account. Statements continued to be sent monthly and, as no payments were received, late fees and finance charges continued to be assessed. On June 16, 2016, due to non-receipt of payment, the account was permanently closed, written off, and reported to the credit reporting agencies as an unpaid debt with a balance of $297.43. On June 22, 2016, the account was sold to [redacted] Group. Although we find the balance to be valid, in the interest of customer service, the Bank has made the decision to not hold you responsible for account balance of $297.43. We are in the process of purchasing your account back from [redacted] Group. Once the process is complete, we will issue credits for the purchase of $43.54 and any accrued late fees and finance charges to bring the account to a zero balance. We will also submit a request to the credit reporting agencies to delete the account from your credit file. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Laura R[redacted] Laura R[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosures
Thank you for contacting Comenity Bank regarding the above-referenced account. As the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questions. Your letter, submitted to the Revdex.com, was forwarded to my attention for review, and I...
appreciate the opportunity to assist you.We understand from your complaint that you accumulated enough points to receive a $10.00 and $20.00 Reward Certificate. Unfortunately, you did not receive the rewards and contacted the Bank, which you were told they would be mailed out again. Additionally, you were offered the Reward Certificate numbers; however, one had expired and the other was expiring soon after. As compensation, you were to receive a $30.00 credit to your account, which you have not seen posted. You did however notice a finance charge. You would like the Bank to honor their promise and send you the Reward Certificates or process the $30.00 credit to your account. You also have asked for an additional credit for the inconvenience you have experienced.Please be assured that we have reviewed your Victoria’s Secret/PINK account. Our research concludes that you did earn Rewards Certificates on August 7 and September 6, 2015. Furthermore, we show that you moved and changed your address in September 2015, so the rewards were sent to the old address. You contacted the Bank on November 20, 2015, and our associate filed a request to replace one of the rewards. We apologize; however, reward replacements can take 4-7 weeks to arrive.In addition, you contacted the Bank on December 4, 2015 and, for the inconvenience a $20.00 credit adjustment was issued to the account. Because this credit was applied after your December bill date, the credit will reflect on your January 2016 billing statement. Also, we are happy to issue the remaining $10.00 credit adjustment to your account. Please be advised that this credit will also reflect on the January 2016 billing statement.Again, we sincerely apologize for the frustration and inconvenience you have experienced, and we hope this information is helpful. If you any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Haband credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you made a purchase in...
December 2016; however, you did not receive the billing statement until February 2017. You state that the Bank refused to remove the late fee of $27.00. You are requesting to have the late fee of $27.00 removed, as you paid the balance in full. I am happy to share my findings. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Please be advised the Bank received no indication that the billing statements were undeliverable, nor were they returned to the Bank. Bank records indicate that a billing statement was issued January 11, 2017, with an outstanding balance of $80.96 and a minimum payment of $27.00, due by February 6, 2017. No payment was received by the due date and a late fee of $27.00 was assessed. A payment was received on February 7, 2017, in the amount of $80.96. A billing statement was issued on February 8, 2017, with an outstanding balance and minimum payment of $27.00 due by March 6, 2017. When you contacted the Bank on February 16, 2017, the account was not eligible for a late fee removal, as a late fee was previously removed on January 28, 2016. Although the Bank finds no error, in the interest of customer service I have credited the late fee of $27.00. 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,
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
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 [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]
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.
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Boston Store credit card. We are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the...
ConsumerFinancial Protection Bureau regarding this same matter. Please find enclosed a copy of ourresponse dated December 12, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Nicole FCompliance Dept. – Consumer Responses
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.
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.
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
I responded to the form about fraud & returned it.I also filed a fraud alert with Experian (illegible word)PO Box 2002701 Experian Pkwy.Allen, TX 75013-0036###-###-####[redacted]
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]
I am rejecting this response because:1. As per the note from [redacted], we never received a letter from the bank asking for additional information in writing on the dispute.2. Comenity bank has closed the dispute with our informing us in any form that they will be closing the disupte.3. When asked for a proof that a letter has been sent, no one from the bank could produce one.4. Even on multiple phone calls, their customer service did not mention that they need additional information in writing.5. So they closed the dispute with out informing us, while we were under the impression that the dispute is still open and we do not have to make any payments.6. The following are the people we talked to:· Josyln/Rosyln – was not sure as she did not give me a correct name· Meyer· Tony· Mitchell – extension [redacted] - this was back in August 2017 · Lisa – Employee ID [redacted] · miss Hoomes Ext [redacted]· Micheal Ext [redacted] · Mimi - customer care with comenity bank· Stephen - customer care· Tyronne – collections· Erica at [redacted]7. christina worley [redacted] mentioned she would send a second letter but never sent one. She also give me a wrong contact number on purpose and lied to me. She was supposed to as why the 'technical issue with sending "secure message was not working" but she send responded to it. After I tried to call her on the number I realized that she gave me a wrong number intentionally.8. After all this, they reported to credit agencies on the late payment, when asked about removing that, they are not ready to do it. I have not received a straight answer from them yet on this issue. this is a fraud bank with 1 rating on YELP. [redacted]
What are the legal actions possible against this bank. Thanks Regards,
[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 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]
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 2-3 business days to resolve the issue.Please reply to this email with any additional...
questions related to your inquiry.Sincerely,Consumer Support Group
Hello,I am responding on behalf of Revdex.com Concern #11027123. This client was upset about a $25 fee incurred on her Ann Taylor account due to a failed payment issue. To research this concern further we connected with Comenity Bank which manages and operates the Ann Taylor credit card. It was determined...
that the client's initial payment attempt was unsuccessful due to an incorrect checking/banking number being entered during payment. As such the payment failed and a $25 fee was applied to the client.In the interest of customer service we have had a representative from Comenity reach out to the client directly on 1/6/16 and explain the situation. In addition they have removed the fees accrued due to this error. Our offices have also sent the client written confirmation on 1/7/16 of the above and advised on the resolution provided by Comenity Bank. I have invited the client to inform us should she encounter any further account related concerns.Sincerely, Rob L[redacted]Assistant Manager, Corporate Client ContactANN INC. / Ann Taylor
Consumer contacted Revdex.com by phone and left voice message stating issue has been resolved.
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.You state you have been trying to pay your bill for at least six months and...
you have been passed around to people who can’t help you process your payment. You state you called TransUnion in an attempt to have them contact someone so you could make a payment; however, the attempts were unsuccessful. You do not feel safe sending a large check without talking to someone first about your growing bill. You are requesting to talk to the company, pay your bill in the proper amount, and have the account removed from your credit bureau after it is paid. We have reviewed your account and we are happy to share our findings. We have enclosed copies of your monthly billing statements, for your review. Your monthly billing statements were mailed to the address of [redacted] Boulevard, Apartment [redacted], Kansas City, Missouri 64106. We have no record of the statements being returned by the post office. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee and finance charge may be assessed to the account, as explained in the Credit Card Agreement. Our records indicate a purchase of $43.54 posted to the account on November 5, 2015. On November 16, 2015, a billing statement was issued reflecting a balance of $43.54, and a minimum payment of $25.00 due by December 12, 2015. As no payment was received, a late fee and a finance charge were assessed to the account. On December 17, 2015, a billing statement was issued reflecting a balance of $69.58, and a minimum payment of $30.00 due by January 12, 2016. As no payment was received, another late fee and a finance charge were assessed to the account. Statements continued to be sent monthly and, as no payments were received, late fees and finance charges continued to be assessed. On June 16, 2016, due to non-receipt of payment, the account was permanently closed, written off, and reported to the credit reporting agencies as an unpaid debt with a balance of $297.43. On June 22, 2016, the account was sold to [redacted] Group. Although we find the balance to be valid, in the interest of customer service, the Bank has made the decision to not hold you responsible for account balance of $297.43. We are in the process of purchasing your account back from [redacted] Group. Once the process is complete, we will issue credits for the purchase of $43.54 and any accrued late fees and finance charges to bring the account to a zero balance. We will also submit a request to the credit reporting agencies to delete the account from your credit file. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Laura R[redacted] Laura R[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosures
Thank you for contacting Comenity Bank regarding the above-referenced account. As the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questions. Your letter, submitted to the Revdex.com, was forwarded to my attention for review, and I...
appreciate the opportunity to assist you.We understand from your complaint that you accumulated enough points to receive a $10.00 and $20.00 Reward Certificate. Unfortunately, you did not receive the rewards and contacted the Bank, which you were told they would be mailed out again. Additionally, you were offered the Reward Certificate numbers; however, one had expired and the other was expiring soon after. As compensation, you were to receive a $30.00 credit to your account, which you have not seen posted. You did however notice a finance charge. You would like the Bank to honor their promise and send you the Reward Certificates or process the $30.00 credit to your account. You also have asked for an additional credit for the inconvenience you have experienced.Please be assured that we have reviewed your Victoria’s Secret/PINK account. Our research concludes that you did earn Rewards Certificates on August 7 and September 6, 2015. Furthermore, we show that you moved and changed your address in September 2015, so the rewards were sent to the old address. You contacted the Bank on November 20, 2015, and our associate filed a request to replace one of the rewards. We apologize; however, reward replacements can take 4-7 weeks to arrive.In addition, you contacted the Bank on December 4, 2015 and, for the inconvenience a $20.00 credit adjustment was issued to the account. Because this credit was applied after your December bill date, the credit will reflect on your January 2016 billing statement. Also, we are happy to issue the remaining $10.00 credit adjustment to your account. Please be advised that this credit will also reflect on the January 2016 billing statement.Again, we sincerely apologize for the frustration and inconvenience you have experienced, and we hope this information is helpful. If you any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Haband credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you made a purchase in...
December 2016; however, you did not receive the billing statement until February 2017. You state that the Bank refused to remove the late fee of $27.00. You are requesting to have the late fee of $27.00 removed, as you paid the balance in full. I am happy to share my findings. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Please be advised the Bank received no indication that the billing statements were undeliverable, nor were they returned to the Bank. Bank records indicate that a billing statement was issued January 11, 2017, with an outstanding balance of $80.96 and a minimum payment of $27.00, due by February 6, 2017. No payment was received by the due date and a late fee of $27.00 was assessed. A payment was received on February 7, 2017, in the amount of $80.96. A billing statement was issued on February 8, 2017, with an outstanding balance and minimum payment of $27.00 due by March 6, 2017. When you contacted the Bank on February 16, 2017, the account was not eligible for a late fee removal, as a late fee was previously removed on January 28, 2016. Although the Bank finds no error, in the interest of customer service I have credited the late fee of $27.00. 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,
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
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 [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 so much for your help.
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.
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Boston Store credit card. We are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the...
Compliance Dept. – Consumer Responses
ConsumerFinancial Protection Bureau regarding this same matter. Please find enclosed a copy of ourresponse dated December 12, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Nicole F
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.
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.
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
I responded to the form about fraud & returned it.I also filed a fraud alert with Experian (illegible word)PO Box 2002701 Experian Pkwy.Allen, TX 75013-0036###-###-####[redacted]