Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Sportsman’s Guide Buyer’s Club Advantage Rewards Visa credit card. We are here to answer your questions and assist with your concerns.Your complaint states that...
you ordered online in July 2016 from a third party. You cancelled the purchase by phone but you continued to receive the product and charges to your account. You contacted Comenity Bank stating the company was a scam, and you were advised that you needed to engage a third party to pursue the issue. You state that the third party claimed you did not cancel the order; however, you have a recorded phone call of the cancellation, but we would not accept the call as the confirmation. You are requesting a credit totaling $361.79, to refund the charges, and you want Comenity Bank to acknowledge that the company conducting the scam was acting fraudulently.We apologize for any frustration or inconvenience you experienced as a result of this matter.Bank records indicate that you sent two disputes previously with regard to this matter. We investigated your claims. A letter was mailed to you, dated December 15, 2016, which provided the outcome and resolution to your claim. An additional letter was mailed to you, dated January 26, 2017.I have enclosed both letters from Comenity Bank, along with the merchant response and related documents that validate the charges to your account.Comenity Bank is unwilling to issue a credit to your account for $361.79. For further questions related to the charges, we encourage you to contact the merchant directly.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,Shawnda Y[redacted]
.We have received the inquiry that was sent to The Mayor’s Office of Consumer Affairs andLicensing on your behalf regarding the above-noted account. The correspondence wasforwarded to Comenity Capital Bank (Bank). Comenity Capital Bank issues the Blair credit card,and we are here to help answer your...
questions. I appreciate the opportunity to assist you withyour concerns.The complaint indicates Ms. [redacted] believes payment processing for a payment she sent tothe Bank was delayed, and as a result of that delay her account was assessed a late fee.Per the payment coupon portion of your monthly billing statements, payments must reach us by5 pm CT on your payment due date. Conforming payments received by this deadline areapplied to your account as of the date received. Please review the information under “Makingpayments” within Section “A. Getting Started” of your Credit Card Agreement (CCA) foradditional information regarding payment requirements. I have enclosed a copy of your CCA, aswell as copies of your 2015 billing statements, for your reference.As a result of a prior complaint filed through the Revdex.com of Central Ohio, weissued courtesy credits totaling $21.00 for late fees and finance charges previously assessed toyour account. These credits, in addition to recent payments received from you, left a creditbalance of -$41.97 on your account. A refund check of $41.97 was issued to you on October 1,2015. You should receive this refund check within 7-10 days from the date the check wasissued.I hope you have found this information to be helpful. If you have any questions or concerns,please feel free to contact me at ###-###-####.
May I please request an extension on this complaint? I am still researching her concerns and we also received a billing dispute as well regarding the balance. Please advise if this extension has been granted. Thank you and have a great day!Laura R[redacted]Consumer Relations...
SpecialistConsumer Relations Group Alliance Data Retail Services[redacted]Office: ###-###-####Toll Free: ###-###-####, ext. [redacted]
Dear [redacted]:Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and weare here to help with your questions. The Revdex.com forwarded your complaint tomy attention, and I appreciate the opportunity to respond to your concerns.Please accept...
our deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity Bank.Afler reviewing our database, we are able to confirm that the telephone calls being made wereattempts to contact a customer regarding a personal business matter. Please be assured thatwe have updated our records and you should not receive any further telephone calls at thetelephone number ending in [redacted] from Comenity Bank.We hope you find this information helpful. If you have any additional questions or concernsplease contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.Sincerely,Amanda R[redacted]
Comenity Bank received the complaint for [redacted] In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension
I am sending the documentation to support my case I opened against the Comenity Bank. Please note I purchased my furniture on 01/17/16, but it shipped at 2 different times. I was charged out for the 2 large pieces 2 months before I received them. The smaller item was not charged out until it was shipped meaning the 12 month interest free did not start until February 2016.
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the above-referencedcredit account. Comenity Capital Bank issues Ideal Image credit card accounts, andwe are here to assist you with all account-related questions. I appreciate the opportunity torespond...
to your concerns.We understand from your inquiry that you signed up for Cool Sculpting after you were advisedthat it was the last day to receive 25% off. After further research you found out that the 25%discount was continuous, and that there are possible issues with the procedure.You are requesting that we credit the Ideal Image credit card account the full amount charged,as you do not wish to have the procedure.Please understand that Comenity Capital Bank and Ideal Image are two separate entities. TheBank is responsible for addressing questions related to the credit card account, while IdealImage is responsible for handling matters related to sales, merchandise processing, and returns.To cancel the Cool Sculpting procedure, and receive a credit to your account, you would need tocontact the location directly. Please find the location information below:ldeal Image [redacted] We hope you find this information to be helpful. Should you have any further questions; pleasecontact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happyto assist you.Sincerely,Diamond L[redacted]
Dear [redacted]: We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you returned a pair of Booties in the amount of $72.66 and your Avenue account was not credited for the return. Additionally, you also state that you disputed this amount with Comenity Bank and were advised that you were responsible for the payment of the Booties because they were damaged when returned. You are requesting that your Avenue account be credited $72.66 for the returned merchandise, and that late fees be removed due to your belief that the Booties were not damaged. Our records indicate that the situation referenced in your complaint has already been investigated, and we have previously responded to you. A copy of our previous response, dated April 30, 2015, is enclosed for your reference. Please understand that Comenity Bank and Avenue are two separate entities. Comenity Bank is responsible for addressing questions related to your credit card account, while Avenue is responsible for handling matters related to sales, merchandise processing, returns, and shipping. As of the date of this letter, the balance on the Avenue account is $83.59 with a minimum payment of $10.00 due on June 17, 2015. As your account was issued $65.00 in late fee credits on April 30, 2015, please understand that we are unwilling to credit your account any additional late fees at this time. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience you have been caused. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Dear Paul Suijk: We have received the complaint regarding the above-noted account. Comenity Bank issues Arhaus Furniture credit card accounts, and we respond to all account-related inquiries. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you.I...
understand your concern regarding the finance charge that was assessed to your account. Our records indicate that on June 3, 2014, a purchase of $7,770.12 posted to your account and was placed on a 12 month deferred interest, 1% payment required plan that was sent to expire on June 3, 3015. In addition, on June 5, 2014, a purchase of $3,799.13 posted to your account and was placed on a 12 Month Deferred Interest, 1% Payment Required Plan, which was scheduled to expire on June 6, 2015. For purchases on these plans, the customer is required to make payments on the promotional plan balance that are less than the minimum monthly payment for their regular revolving balance (generally 1%). Interest is accrued (calculated, but not added to the balance) and if the balance is not paid in full by the plan end date, the accrued fiancé charges, which were calculated from the dare of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s regular revolving balance. This information appeared on your monthly billing statements, under the heading, “Details of your plans”. I have enclosed your billing statements for your review. Upon further review, our records indicate that on May 8, 2015, a statement was issued to you showing a balance of $1,502.00, with a minimum payment of $53.00 due by May 1, 205. Please be advised that under the “details of your plan” section of your statement, it states that the balance of $7,023.12 needed to be paid in full by June 3, 2015, and the balance of $3,431.13 need to be paid in full by June 6, 2015, to avoid paying the accrued interest. As a result of the deferred balances not being paid in full by the plan end date, the accrued finance charge of $1,886.02 and $915.31 were assessed to your account. Comenity Bank has not found any errors with the account, however, on June 15, 2015, in the interest of customer services, a total credit of $900.00 for finance charges was issued to your account, and we are unwilling to remove any additional finance charges that were assessed to account, as they are valid charges. We 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,[redacted]Consumer Relations Specialist
.Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand from your...
correspondence that you spoke to one of our representatives who stated she would assist you with removing late fees from your account. You explain that you scheduled a payment for November 17th, and were advised to call back after then so the representative could see what she could do. However, when you called back, instead of removing a late fee, you were advised to schedule another payment. You are requesting that we remove a late fee, as previously promised. We apologize for any frustration this matter may have caused you. Bank records indicate your payment due date is the 12th of every month. The Victoria’s Secret Angel 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 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. Please be assured a late fee credit of $37.00 was applied to the account on November 29, 2017. Customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement and could include all of your creditors. We support and participate in the programs provided by the CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at [redacted]
[redacted]
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]
Deaf Mr. [redacted]Thank you for your additional complaint, addressed to the Revdex.com, regardingthe above-noted account. Comenity Bank issues Meijer credit card accounts and we respond toall account-related questions. Your complaint was forwarded to my attention, and I appreciatethis opportunity to assist you.Your complaint indicates you are rejecting my response because you have submitted two lettersfrom your Bank in September providing information regarding your payment. We apologize forany inconvenience or misunderstanding you may have experienced regarding this matter.The letter dated August 20, 2015, was included with my previous response because it detailsthe information we need in order to locate your missing payment. We appreciate the lettersfrom your bank; however, we are not able to research the payment with a copy of your bankstatement.Please be advised, in the interest of customer service, a credit in the amount of $781.65 hasbeen issued to your account, to remove the remaining balance. Please be assured we haveinstructed the national credit-reporting agencies to remove the delinquencies that were reportedfor September through December 2015, from your credit file. Please allow 45 days for thecredit-reporting agencies to update their information.We hope you find this informatttion to be helpful. If you have any additional questions orconcerns, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Rosa M[redacted]
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced application. Comenity Capital Bank issues the My Smile Care credit account. We are here to answer your questions and assist with your concerns. You state on May 10, 2017, when you applied for a My Smile Care credit account through your dentist, the Bank prejudicially processed, reviewed and accessed your [redacted] credit bureau report. You state the Bank viewed identity theft/fraud reports that did not belong to you, and were deleted by [redacted] as of May 30, 2017. You further state, instead of contacting you to verify your identity and that you applied for the account, the Bank viewed your credit bureau report and wrongfully turned down your application. You are requesting the Bank reconsider and approve your application. We sincerely apologize for any frustration or inconvenience this matter may have caused you. When a customer applies for a My Smile Care credit account, a credit bureau report is reviewed. When a fraud alert is listed on a customer’s credit bureau report, the Bank is required to contact the applicant before granting credit, or opening an account. However, when the Bank is not willing to extend a line of credit to a customer, based on information in the customer’s credit report, we are not obligated to verify the request. Please be assured, Comenity Capital Bank does not take into consideration any prohibited statuses when processing an application for credit. On May 18, 2017, an application was submitted for a My Smile Care credit account. The Bank evaluates credit requests using a scoring system that places numerical values on information in your credit report. Unfortunately, your information did not score a sufficient number of points for approval of your request for a credit account. The primary factors that determined your score were indicated in our original letter to you. We have enclosed a copy of our response dated May 19, 2017, for your review. We understand from your correspondence that you have contacted [redacted] and they have made corrections to your credit bureau report. If you are interested in having a My Smile Care credit account, you are welcome to reapply. 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
I recieved your letter of March 1, saying you hadn't heard from me about the end of my dispute with Comenity Bank. But I did write to you, almost 2 weeks ago, to tell you the good news - that Comenity agreed to drop ALL late fee charges against me, and only asked for payment on the items I originally purchased. Enclosed is the latest mailing I have recieved form them which will confirm this to you.When I wrote to let you know this whole matter had finally - after 4 months been settled - I wrote in big letters - "TA DA"!! (maybe for some reason, my letter never got to you, yourself?)ANyway - tahnks - many thanks! - again, for helping me with my complaint against Comenity Bank. I will always appreciate it.Sincerely, [redacted]
Comentiy bank person did not tell me the correct amount to pay in full to close the account on May 15,2017. They knew I had another late fee that day but waited until next month that way they could charge another late fee because now I'm late by 2 days. If she would of told me 187.44 (which included a late fee) but since you are 2 days late we will charge another late fee today so you actually have to pay another late fee. Instead Comenity let me believe that I already paid everything in full and my account was closed. They waited another month before sending me what is now 2 late fee charges, what a bunch of crooks Comenity banks are. It's not the amount of money but the principle of all the lies Comenity bank is saying. I'm sick and tired of big businesses sitting behind their small prints and trying to rob customers, if they were honest and told me I have 2 late fees on May 15,2017 I would have paid them right away, instead they only told me about one late fee and I paid them. Then they wait for a month to pass and send me a bill for 2 late fees now. This is so wrong and Comenity tells Revdex.com that they care about their customers, please no more lies.
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. The only thing is that I need to update my address in order to receive the new gift card. I live at at the below address. Can you confirm you are sending here?[redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the VICTORIA’S SECRET credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you made a payment to the...
account for $27.00 on the due date. You state the checking account number was invalid according to the online system. In addition, you state the online system should advise immediately if an account number is invalid. You request the late fee be removed from the account and that we update your credit report. I am happy to share my findings. Please be advised that our Account Center website has systemic rules in place to validate the routing number against the database prior to accepting the payment information. Bank records indicate that you switched financial institutions from U S Bank to Tennessee Valley Federal Credit Union when you scheduled your payment September 12, 2016, for $30.00, via the Account Center website you provided ABA routing # [redacted], and checking account ending in [redacted]. On September 15, 2016, this payment was noted in our system as an invalid bank account number and was returned. On September 24, 2016, you made a payment via phone with a collections representative you provided ABA routing # [redacted] and checking account ending in 6101. This payment was successfully processed. The last payment scheduled online on November 17, 2016, you provided ABA routing # [redacted], checking account ending in [redacted], this payment was returned on November 19, 2016, as invalid bank account number. Per your phone call placed to the Bank on November 23, 2016, a representative filed a dispute on your behalf to dispute the $25.00 returned payment fee. On December 1, 2016, the dispute was completed and closed. Although the $25.00 return fee was valid, as a courtesy the fee was credited. Please be assured no negative payment information reported to the credit bureaus, as a result of this matter. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely,
Comenity Bank, P.O. Box 182025, Columbus, Ohio 43218-2025 acting for Beall's - has finally agreed that I do not owe the bill of 359.99 they sent to me.Thank you for your persistent help.Gratefully[redacted]
Dear [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Buckle credit card accounts, and we are here to help with your account-related questions. I appreciate this opportunity to assist...
you. We understand from your complaint that you state you did not receive any bills indicating the Buckle account went past due. You also state the Bank charged off the account without calling you or sending any past due notices. Once you viewed your credit report you paid the balance. Additionally, you feel the Bank did not help you, and you feel you are entitled to calls and notices before the account was charged off. At this time you request the charge off status be removed from your credit report. I am happy to share my findings. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. Bank records indicate the Buckle account was opened on December 24, 2011. The account was enrolled in paperless statements on January 3, 2012, therefore the statements would be sent via email. Once payments are missed a paper statement is issued to the address on file. Once the account became past due the phone number provided on the application was contacted to make you aware the account was past due. Due to non-receipt of payment, the account was closed, and written off on December 6, 2014, with a balance of $424.38, and reported to the credit- reporting agencies as an unpaid debt. Please be advised there is no indication on the Buckle account that you did not receive statements. On February 17, 2016, a payment of $424.38 was received and posted to the Buckle account. This was payment in full. The account is reporting accurately to the national credit reporting agencies as a charge off, paid in full. Please understand that Comenity Bank is required to report factual information to the national credit-reporting agencies. We reviewed the information reporting on your credit file in regard the Buckle account, and we have found the payment history to be accurately reporting, as such, no changes will be made to the reporting of the account. We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to potential creditors why the account became past due, and it may contribute to their decision. The credit bureaus may be reached by using the following information: We hope this information is helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely,Kaija M[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Sportsman’s Guide Buyer’s Club Advantage Rewards Visa credit card. We are here to answer your questions and assist with your concerns.Your complaint states that...
you ordered online in July 2016 from a third party. You cancelled the purchase by phone but you continued to receive the product and charges to your account. You contacted Comenity Bank stating the company was a scam, and you were advised that you needed to engage a third party to pursue the issue. You state that the third party claimed you did not cancel the order; however, you have a recorded phone call of the cancellation, but we would not accept the call as the confirmation. You are requesting a credit totaling $361.79, to refund the charges, and you want Comenity Bank to acknowledge that the company conducting the scam was acting fraudulently.We apologize for any frustration or inconvenience you experienced as a result of this matter.Bank records indicate that you sent two disputes previously with regard to this matter. We investigated your claims. A letter was mailed to you, dated December 15, 2016, which provided the outcome and resolution to your claim. An additional letter was mailed to you, dated January 26, 2017.I have enclosed both letters from Comenity Bank, along with the merchant response and related documents that validate the charges to your account.Comenity Bank is unwilling to issue a credit to your account for $361.79. For further questions related to the charges, we encourage you to contact the merchant directly.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,Shawnda Y[redacted]
.We have received the inquiry that was sent to The Mayor’s Office of Consumer Affairs andLicensing on your behalf regarding the above-noted account. The correspondence wasforwarded to Comenity Capital Bank (Bank). Comenity Capital Bank issues the Blair credit card,and we are here to help answer your...
questions. I appreciate the opportunity to assist you withyour concerns.The complaint indicates Ms. [redacted] believes payment processing for a payment she sent tothe Bank was delayed, and as a result of that delay her account was assessed a late fee.Per the payment coupon portion of your monthly billing statements, payments must reach us by5 pm CT on your payment due date. Conforming payments received by this deadline areapplied to your account as of the date received. Please review the information under “Makingpayments” within Section “A. Getting Started” of your Credit Card Agreement (CCA) foradditional information regarding payment requirements. I have enclosed a copy of your CCA, aswell as copies of your 2015 billing statements, for your reference.As a result of a prior complaint filed through the Revdex.com of Central Ohio, weissued courtesy credits totaling $21.00 for late fees and finance charges previously assessed toyour account. These credits, in addition to recent payments received from you, left a creditbalance of -$41.97 on your account. A refund check of $41.97 was issued to you on October 1,2015. You should receive this refund check within 7-10 days from the date the check wasissued.I hope you have found this information to be helpful. If you have any questions or concerns,please feel free to contact me at ###-###-####.
May I please request an extension on this complaint? I am still researching her concerns and we also received a billing dispute as well regarding the balance. Please advise if this extension has been granted. Thank you and have a great day!Laura R[redacted]Consumer Relations...
SpecialistConsumer Relations Group Alliance Data Retail Services[redacted]Office: ###-###-####Toll Free: ###-###-####, ext. [redacted]
Dear [redacted]:Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and weare here to help with your questions. The Revdex.com forwarded your complaint tomy attention, and I appreciate the opportunity to respond to your concerns.Please accept...
our deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity Bank.Afler reviewing our database, we are able to confirm that the telephone calls being made wereattempts to contact a customer regarding a personal business matter. Please be assured thatwe have updated our records and you should not receive any further telephone calls at thetelephone number ending in [redacted] from Comenity Bank.We hope you find this information helpful. If you have any additional questions or concernsplease contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.Sincerely,Amanda R[redacted]
Comenity Bank received the complaint for [redacted] In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension
I am sending the documentation to support my case I opened against the Comenity Bank. Please note I purchased my furniture on 01/17/16, but it shipped at 2 different times. I was charged out for the 2 large pieces 2 months before I received them. The smaller item was not charged out until it was shipped meaning the 12 month interest free did not start until February 2016.
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the above-referencedcredit account. Comenity Capital Bank issues Ideal Image credit card accounts, andwe are here to assist you with all account-related questions. I appreciate the opportunity torespond...
to your concerns.We understand from your inquiry that you signed up for Cool Sculpting after you were advisedthat it was the last day to receive 25% off. After further research you found out that the 25%discount was continuous, and that there are possible issues with the procedure.You are requesting that we credit the Ideal Image credit card account the full amount charged,as you do not wish to have the procedure.Please understand that Comenity Capital Bank and Ideal Image are two separate entities. TheBank is responsible for addressing questions related to the credit card account, while IdealImage is responsible for handling matters related to sales, merchandise processing, and returns.To cancel the Cool Sculpting procedure, and receive a credit to your account, you would need tocontact the location directly. Please find the location information below:ldeal Image [redacted] We hope you find this information to be helpful. Should you have any further questions; pleasecontact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happyto assist you.Sincerely,Diamond L[redacted]
Consumer called Revdex.com stating the matter is resolved, everything is ok.
Dear [redacted]: We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you returned a pair of Booties in the amount of $72.66 and your Avenue account was not credited for the return. Additionally, you also state that you disputed this amount with Comenity Bank and were advised that you were responsible for the payment of the Booties because they were damaged when returned. You are requesting that your Avenue account be credited $72.66 for the returned merchandise, and that late fees be removed due to your belief that the Booties were not damaged. Our records indicate that the situation referenced in your complaint has already been investigated, and we have previously responded to you. A copy of our previous response, dated April 30, 2015, is enclosed for your reference. Please understand that Comenity Bank and Avenue are two separate entities. Comenity Bank is responsible for addressing questions related to your credit card account, while Avenue is responsible for handling matters related to sales, merchandise processing, returns, and shipping. As of the date of this letter, the balance on the Avenue account is $83.59 with a minimum payment of $10.00 due on June 17, 2015. As your account was issued $65.00 in late fee credits on April 30, 2015, please understand that we are unwilling to credit your account any additional late fees at this time. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience you have been caused. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Dear Paul Suijk: We have received the complaint regarding the above-noted account. Comenity Bank issues Arhaus Furniture credit card accounts, and we respond to all account-related inquiries. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you.I...
understand your concern regarding the finance charge that was assessed to your account. Our records indicate that on June 3, 2014, a purchase of $7,770.12 posted to your account and was placed on a 12 month deferred interest, 1% payment required plan that was sent to expire on June 3, 3015. In addition, on June 5, 2014, a purchase of $3,799.13 posted to your account and was placed on a 12 Month Deferred Interest, 1% Payment Required Plan, which was scheduled to expire on June 6, 2015. For purchases on these plans, the customer is required to make payments on the promotional plan balance that are less than the minimum monthly payment for their regular revolving balance (generally 1%). Interest is accrued (calculated, but not added to the balance) and if the balance is not paid in full by the plan end date, the accrued fiancé charges, which were calculated from the dare of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s regular revolving balance. This information appeared on your monthly billing statements, under the heading, “Details of your plans”. I have enclosed your billing statements for your review. Upon further review, our records indicate that on May 8, 2015, a statement was issued to you showing a balance of $1,502.00, with a minimum payment of $53.00 due by May 1, 205. Please be advised that under the “details of your plan” section of your statement, it states that the balance of $7,023.12 needed to be paid in full by June 3, 2015, and the balance of $3,431.13 need to be paid in full by June 6, 2015, to avoid paying the accrued interest. As a result of the deferred balances not being paid in full by the plan end date, the accrued finance charge of $1,886.02 and $915.31 were assessed to your account. Comenity Bank has not found any errors with the account, however, on June 15, 2015, in the interest of customer services, a total credit of $900.00 for finance charges was issued to your account, and we are unwilling to remove any additional finance charges that were assessed to account, as they are valid charges. We 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,[redacted]Consumer Relations Specialist
.Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand from your...
correspondence that you spoke to one of our representatives who stated she would assist you with removing late fees from your account. You explain that you scheduled a payment for November 17th, and were advised to call back after then so the representative could see what she could do. However, when you called back, instead of removing a late fee, you were advised to schedule another payment. You are requesting that we remove a late fee, as previously promised. We apologize for any frustration this matter may have caused you. Bank records indicate your payment due date is the 12th of every month. The Victoria’s Secret Angel 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 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. Please be assured a late fee credit of $37.00 was applied to the account on November 29, 2017. Customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement and could include all of your creditors. We support and participate in the programs provided by the CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at [redacted]
[redacted]
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]
Deaf Mr. [redacted]Thank you for your additional complaint, addressed to the Revdex.com, regardingthe above-noted account. Comenity Bank issues Meijer credit card accounts and we respond toall account-related questions. Your complaint was forwarded to my attention, and I appreciatethis opportunity to assist you.Your complaint indicates you are rejecting my response because you have submitted two lettersfrom your Bank in September providing information regarding your payment. We apologize forany inconvenience or misunderstanding you may have experienced regarding this matter.The letter dated August 20, 2015, was included with my previous response because it detailsthe information we need in order to locate your missing payment. We appreciate the lettersfrom your bank; however, we are not able to research the payment with a copy of your bankstatement.Please be advised, in the interest of customer service, a credit in the amount of $781.65 hasbeen issued to your account, to remove the remaining balance. Please be assured we haveinstructed the national credit-reporting agencies to remove the delinquencies that were reportedfor September through December 2015, from your credit file. Please allow 45 days for thecredit-reporting agencies to update their information.We hope you find this informatttion to be helpful. If you have any additional questions orconcerns, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Rosa M[redacted]
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Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced application. Comenity Capital Bank issues the My Smile Care credit account. We are here to answer your questions and assist with your concerns. You state on May 10, 2017, when you applied for a My Smile Care credit account through your dentist, the Bank prejudicially processed, reviewed and accessed your [redacted] credit bureau report. You state the Bank viewed identity theft/fraud reports that did not belong to you, and were deleted by [redacted] as of May 30, 2017. You further state, instead of contacting you to verify your identity and that you applied for the account, the Bank viewed your credit bureau report and wrongfully turned down your application. You are requesting the Bank reconsider and approve your application. We sincerely apologize for any frustration or inconvenience this matter may have caused you. When a customer applies for a My Smile Care credit account, a credit bureau report is reviewed. When a fraud alert is listed on a customer’s credit bureau report, the Bank is required to contact the applicant before granting credit, or opening an account. However, when the Bank is not willing to extend a line of credit to a customer, based on information in the customer’s credit report, we are not obligated to verify the request. Please be assured, Comenity Capital Bank does not take into consideration any prohibited statuses when processing an application for credit. On May 18, 2017, an application was submitted for a My Smile Care credit account. The Bank evaluates credit requests using a scoring system that places numerical values on information in your credit report. Unfortunately, your information did not score a sufficient number of points for approval of your request for a credit account. The primary factors that determined your score were indicated in our original letter to you. We have enclosed a copy of our response dated May 19, 2017, for your review. We understand from your correspondence that you have contacted [redacted] and they have made corrections to your credit bureau report. If you are interested in having a My Smile Care credit account, you are welcome to reapply. 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
I recieved your letter of March 1, saying you hadn't heard from me about the end of my dispute with Comenity Bank. But I did write to you, almost 2 weeks ago, to tell you the good news - that Comenity agreed to drop ALL late fee charges against me, and only asked for payment on the items I originally purchased. Enclosed is the latest mailing I have recieved form them which will confirm this to you.When I wrote to let you know this whole matter had finally - after 4 months been settled - I wrote in big letters - "TA DA"!! (maybe for some reason, my letter never got to you, yourself?)ANyway - tahnks - many thanks! - again, for helping me with my complaint against Comenity Bank. I will always appreciate it.Sincerely, [redacted]
Comentiy bank person did not tell me the correct amount to pay in full to close the account on May 15,2017. They knew I had another late fee that day but waited until next month that way they could charge another late fee because now I'm late by 2 days. If she would of told me 187.44 (which included a late fee) but since you are 2 days late we will charge another late fee today so you actually have to pay another late fee. Instead Comenity let me believe that I already paid everything in full and my account was closed. They waited another month before sending me what is now 2 late fee charges, what a bunch of crooks Comenity banks are. It's not the amount of money but the principle of all the lies Comenity bank is saying. I'm sick and tired of big businesses sitting behind their small prints and trying to rob customers, if they were honest and told me I have 2 late fees on May 15,2017 I would have paid them right away, instead they only told me about one late fee and I paid them. Then they wait for a month to pass and send me a bill for 2 late fees now. This is so wrong and Comenity tells Revdex.com that they care about their customers, please no more lies.
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. The only thing is that I need to update my address in order to receive the new gift card. I live at at the below address. Can you confirm you are sending here?[redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the VICTORIA’S SECRET credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you made a payment to the...
account for $27.00 on the due date. You state the checking account number was invalid according to the online system. In addition, you state the online system should advise immediately if an account number is invalid. You request the late fee be removed from the account and that we update your credit report. I am happy to share my findings. Please be advised that our Account Center website has systemic rules in place to validate the routing number against the database prior to accepting the payment information. Bank records indicate that you switched financial institutions from U S Bank to Tennessee Valley Federal Credit Union when you scheduled your payment September 12, 2016, for $30.00, via the Account Center website you provided ABA routing # [redacted], and checking account ending in [redacted]. On September 15, 2016, this payment was noted in our system as an invalid bank account number and was returned. On September 24, 2016, you made a payment via phone with a collections representative you provided ABA routing # [redacted] and checking account ending in 6101. This payment was successfully processed. The last payment scheduled online on November 17, 2016, you provided ABA routing # [redacted], checking account ending in [redacted], this payment was returned on November 19, 2016, as invalid bank account number. Per your phone call placed to the Bank on November 23, 2016, a representative filed a dispute on your behalf to dispute the $25.00 returned payment fee. On December 1, 2016, the dispute was completed and closed. Although the $25.00 return fee was valid, as a courtesy the fee was credited. Please be assured no negative payment information reported to the credit bureaus, as a result of this matter. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely,
Comenity Bank, P.O. Box 182025, Columbus, Ohio 43218-2025 acting for Beall's - has finally agreed that I do not owe the bill of 359.99 they sent to me.Thank you for your persistent help.Gratefully[redacted]
Dear [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Buckle credit card accounts, and we are here to help with your account-related questions. I appreciate this opportunity to assist...
you. We understand from your complaint that you state you did not receive any bills indicating the Buckle account went past due. You also state the Bank charged off the account without calling you or sending any past due notices. Once you viewed your credit report you paid the balance. Additionally, you feel the Bank did not help you, and you feel you are entitled to calls and notices before the account was charged off. At this time you request the charge off status be removed from your credit report. I am happy to share my findings. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. Bank records indicate the Buckle account was opened on December 24, 2011. The account was enrolled in paperless statements on January 3, 2012, therefore the statements would be sent via email. Once payments are missed a paper statement is issued to the address on file. Once the account became past due the phone number provided on the application was contacted to make you aware the account was past due. Due to non-receipt of payment, the account was closed, and written off on December 6, 2014, with a balance of $424.38, and reported to the credit- reporting agencies as an unpaid debt. Please be advised there is no indication on the Buckle account that you did not receive statements. On February 17, 2016, a payment of $424.38 was received and posted to the Buckle account. This was payment in full. The account is reporting accurately to the national credit reporting agencies as a charge off, paid in full. Please understand that Comenity Bank is required to report factual information to the national credit-reporting agencies. We reviewed the information reporting on your credit file in regard the Buckle account, and we have found the payment history to be accurately reporting, as such, no changes will be made to the reporting of the account. We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to potential creditors why the account became past due, and it may contribute to their decision. The credit bureaus may be reached by using the following information: We hope this information is helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely,Kaija M[redacted]