Dear Revdex.com,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 until 08/24/2017. Please let me know if this extension date is not...
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Christopher & Banks credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that you...
made a payment using your [redacted] account on April 13, 2017, on the Christopher & Banks website. On April 19, 2017, you noticed that the payment was returned, and you were assessed a return payment fee of $23.97. You state the Bank withdrew funds from a checking account that was on file, but had been closed. You are requesting to have the return payment fee of $23.97 refunded, as you did not pay for the items from the closed account. We apologize for the inconvenience you have experienced regarding this matter. Please be advised that the Bank will submit a payment for processing using the checking account selected when the payment is submitted online. The Bank does not have the ability to change the selection of the account. Your payment of $59.91, scheduled on April 13, 2017, was processed using the checking account selected on Account Center and was returned due to no bank account located. A returned payment fee of $23.97 was applied to your account, which was the balance on your account at the time of the payment being returned. Please be advised, that the Bank can only issue a refund for a return payment fee if there was a processing error on the behalf of the Bank. Therefore, we are unwilling to remove the return payment fee of $23.97. Your account reflects a credit balance of $10.00 for a return that was applied on April 24, 2017. We have requested a refund check for that amount and it should be received within fourteen days. Furthermore, the account was closed at your request on April 25, 2017. 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, Ashley H[redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account reference above. Comenity Bank issues woman Within credit card accounts, and we are here to assist you with all account-related questions or concerns. I appreciate the opportunity to respond...
to your concerns. We understand from your complaint that you are being charged $2.00 “monthly Minimum” fees to your account, which you believe has a zero balance. You state you paid your account balance of $72.73 to have the telephone calls stopped, and to protect your credit. You believe you are being charged late fees against the bank fees. You would like the full amount refunded and the negative credit reporting reversed. Please be advised, your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. If you are charged interest, the charge will be no less than $2.00 per credit plan, which is the minimum charge you are referencing in your complaint. Your payment due date is on the 17th of each month. 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 CCA, which is included for your records. Bank records indicate, a billing statement was sent to you on March 22, 2015, reflecting a balance of $180.25 and a payment of $29.94 due by April 17, 2015. As no payments were received by the due date, a late fee and finance charge were assessed to the account, pursuant to the guidelines of the Credit Card Agreement. We received you payment of $50.00 on March 29, 2015. Additionally, a billing statement was sent to you on August 22, 2015, reflecting a balance of $101.91 and a payment of $30.00 due by September 17, 2015. As no payments were received by the due date, a late fee and a finance charge were assessed to the account pursuant to the guidelines of the Credit Card Agreement. We received your payment of $35.00 on August 23, 2015. Lastly, a billing statement was sent to you on December 22, 2015, reflecting a balance of $14.91 and a payment of $14.91 due by January 17, 2016. As no payments were received by the due date, late fees and finances charges were as to the account, pursuant to the guidelines of the Credit Card Agreement. We received your payment of $72.73 on April 13, 2016. When the Bank’s records show an account as delinquent, the Bank will make attempts to contact you 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. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempt to communicate is successful. We have updated the telephone numbers, so that you no longer receive telephone calls, regarding the Woman Within account, from the Bank. All calls should have ceased by this time. The Bank has made the decision to no longer hold you responsible to pay the above-referenced previous account balance. Please be assured, credits have been issued totaling $72.73. These credits have posted and you now have a credit balance you $72.72. A refund check for this credit balance has been request and should be received under separate cover, in 14 days. We understand the concerns regarding your credit bureau file, and we are happy to explain our position. Comenity Bank is required to report factual information to the national credit-reporting agencies. We have reviewed your account and we find that the information reported is correct; as such, we are unwilling to remove any delinquencies. 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: Experian (TRW) P.O. Box 2002 701 Experian Parkway Allen TX 75013-3742 8###-###-#### http://www.experian.com Trans Union (TRU) P.O. Box 390 Springfield, PA 19064-0390 ###-###-#### http://www.transunion.com Equifax (CBI) P.O. Box 740241 Atlanta, GA 30374-0241 ###-###-#### http://www.equifax.com I hope you find this information to be helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards,
[redacted]
In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 07/22/2017. Please let me know if this extension date is not approved. Thank you,
Dear [redacted]:
We have
received the inquiry you sent to the Revdex.com regarding the
above-noted account. Your correspondence
was forwarded to
Comenity Bank.
Comenity Bank issues the Bergner’s credit card,
and we are here to help answer your...
questions. I appreciate the opportunity to assist you
with your concerns.
We understand from
your complaint to the Revdex.com that your Equifax report is
showing the account being delinquent for 24 months after paying your account
off in February 2014. We do apologize
for the inconvenience you may have experienced.
After researching our
records, we had found the payment history reported incorrectly. Please be assured, notification had been sent
to the national credit-reporting agencies with instructions to remove the
reported delinquency after February 2014, with regard to your Bergner’s
account. Please allow the
credit-reporting agencies 45 days to update their records.
Further records show
your account received payment of $243.00 on February 17, 2014. On February 19, 2014, we had notified the
credit-reporting agencies that your account was a charge off and settled in
full for less than the balance owed.
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,
Jack C[redacted]
Dear Comenity Bank, I did not ever tell any rep from your company I was stranded, I did tell mr Guy the supervisor, that my phone was broken because a 3-year-old sat on it and broke it, and when guy gave me the temporary increase, he told me to use it with in 24 hrs., I told him I lived right across the street and I was going right over to my Meijer’s store. I suggest you please get this story straight. And review the phone recordings. And as far as good customer service goes, if you took the time to view all of the telephone recordings that happened after each time my credit card was declined from the first temporary Mr. Guy did, and I called in to your customer service , and was told that I have available credit of 850 after the purchase of $206.00, and a few customer service reps told me there was no reason my card should be declined because I have the available credit, and I made several trips back to the store because your customer service people don’t know there job and this includes two supervisors. What makes no sense is that Guy the supervisor made a 1000-dollar mistake on a customer’s credit line, and after this mistake was made a few customer service reps told me after a few declines that I have the available credit so I went back to the store, it must be our system, and the supervisor Named Jenifer told me that Guy broke your policy and was not supposed to even do any kind of increase to the Meijer card, she said the increases are only for clothing cards, than Walter came into this and told me that Jenifer was wrong that guy was right in increasing it, so I told him Jenifer does not know your policy and she is a another supervisor. Yes, Comenity Bank did adjust over $180.52 in finance charges, that in its self should tell the bank what this customer has been through. What also makes no sense is that on 05/19/2017 I called in and spoke to a regulation specialist and needed to use my card because there was a death in the family and I need to buy some clothing, and after speaking to the regulation specialist she went to a supervisor, and a third temporary increase was done to the account of $200.00 so I could make my purchase, all of these temporary increases so I can shop, but no one putting my credit line ware I was led to believe it was, and was told over and over again by customer service I have the available credit . in closing I would like this complaint and all copies sent to John M[redacted], and John S[redacted], because I want them booth to see just how Laura R[redacted], is treating their customers with her thought process. This is not right to do to a customer and a good card holder. I would like my credit line to be the 2100 like I was led to believe, instead of all these temporary increases that have been made because of all the mistakes that wear made with my account. This is so wrong Laura on every business and card holder level to do to me. I feel very misled and violated because of all the bank employee’s mistakes, and trust me there was so many, too many Laura. If the credit line is adjusted to the 2100 I will continue to shop pay my bill and be a good customer and card holder, if it’s not I will be following up with a consumer protection bureau complaint so that this gets in the hands of John M[redacted] and john s[redacted] Thank you …[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
We received your additional complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Brylane Home® credit card accounts, and we are here to assist youwith all account-related questions. I appreciate the opportunity to respond to your concerns.We understand from your complaint that you have not received your fall 2014 billing statement. You are providingus with a copy of your bank statement showing an $800.00 withdrawal which you state was used to pay for themoney order you remitted as payment on your account. You did agree to pay this again, but you want a reasonas to why interest is being charged.Since you cashed the refund check that was issued in error in May 2015, the amount of the refund check wasplaced back on your account. Since payment was not received, fees were assessed. Please be advised, yourdue date is at least 25 days after the close of each billing cycle. We will not charge you interest on the balanceif you pay your entire balance by the due date each month.We are unclear as to why you are requesting copies of billing statements from the fall of 2014. However, wehave enclosed the statements from 2014 for your records.In my previous response, dated August 10, 2016, I advised that if payment of $575.00 is received within 90 daysof the receipt of the letter, the Bank would be willing to delete this account, in its entirety, from your credit bureaureport. This means we will accept the amount of $575.00, without asking for payment of the interest charges.You may mail your payments to the remittance address provided on the statements, or call me at the numberbelow to pay by telephone with a personal bank account or debit card. If you choose to mail payment, pleasenotify me when the $575.00 has been satisfied, and I will have the account removed from your credit report.If you believe you have already made payments, we recommend that you contact your money order provider forverification. If a payment is confirmed, please provide a copy of the front and back of the missing payment, andwe will be glad to update your account accordingly. Please understand that we are unable to consider a copy ofyour bank statement showing an $800.00 withdrawal as proof of payment being made to your BrylaneHome®account.I hope this information is helpful. If you have any further questions regarding your account, please contact meat (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Amanda RayConsumer Relations SpecialistCC: Revdex.com
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Lane Bryant credit card. We are here to answer your questions and assist with your concerns. We understand from your additional complaint that you did not receive the billing statements from August through November 2016. You state you were not aware there was a balance until you tried to use the card in November, and were informed the account was suspended. You contacted the Bank, and were informed that a letter would be sent regarding the status of the account and the dispute; however, you did not receive the letter dated December 6, 2016, and received another statement with a late fee. You don’t understand how an electronic bill payment withdrawal on July 29, 2016, did not post until August 9, 2016, or why the representative did not ask if you wanted to settle the account in November 2016. I am happy to share my findings. Bank records indicate that the billing statements were delivered. Additionally, the Bank has no record of any correspondence being returned as undeliverable. You may wish to advise your local post office of the issue with your mail delivery. As advised in the prior correspondence, you contacted the Bank on November 29, 2016, and a dispute was submitted on your behalf. You did not request to settle the account; however, you requested to have the fees removed. Please note that payments are posted to the account on the date they are received. The payment of $14.99 was not received until August 9, 2016. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. 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, Kaija M[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me; however it is possible that there may be two deliquency reports on my credit report. I would appreciate it if you could removed both deliquencies if there are in fact two.
Regards, [redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank previously issued The Limited credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you did not receive credit from The...
Limited, although you returned the merchandise. You believe that you met all the requirements to file a dispute, as listed on the back of your statement; however, you were advised to contact The Limited. You are requesting the Bank to credit the account for $80.92.We apologize for the frustration and inconvenience you experienced. As a result of our investigation process, we have credited your account for the full amount of your dispute, which includes all bank fees. The credit adjustments in the amount of $84.79 will reflect on the account within the next one to two billing statements.As a result of the credits, the account will have a credit balance of $11.03. A refund check for this amount will be mailed to you under separate cover.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]
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues HSN credit cards. We are here to answer your questions and assist with your concerns. We understand from your complaint that you applied for the HSN...
credit card to receive a discount on your purchase. You state you gave HSN your debit/credit card information for the purchase. You state that you made all of your remaining flex payments over two days in January 2017, directly to HSN. When you received your bills from Comenity Capital Bank, you thought your flex payments had been made. When you contacted the Bank you were advised that you had not made any payments. You are requesting that all late fees and finance charges be removed, as you were not aware that the initial purchases would be applied to the HSN credit card account. We apologize for the inconvenience this matter may have caused you. Please note that Comenity Capital Bank and HSN are two separate entities. The Bank issues and is responsible for addressing questions related to the HSN credit card account. HSN is responsible for handling matters related to sales, merchandise processing, returns, shipping, and FlexPay payment plans. When a HSN credit card is opened the initial charge is applied to the HSN credit card to take advantage of any discounts or promotions. Comenity Capital Bank’s only involvement in FlexPay payment plans is to process the charges that are billed to the HSN credit card account. Our records indicate the HSN account was charged $64.15 on November 27, 2016, for a Polaroid E53H Dashcam. On November 29, 2016, your account was charged $94.70 for the initial FlexPay payment, for the HP 19 Intel 4GB/1TB, payment 1 of 6. On December 29, 2016, your account was charged for payment 2 of 6 for of $66.65. Due to the status of your HSN account as of January 2017, the remaining 4 FlexPay payments for the HP 19 Intel 4GB/1TB could not be charged to the HSN credit card account; therefore, you were billed directly from HSN. Per HSN the following payments were made directly to HSN using Mastercard ending in [redacted] for FlexPay payments for the HP 19 Intel 4GB/1TB: 1/27/2017 $66.65 3 of 6 1/27/2017 $66.65 4 of 6 1/28/2017 $66.65 5 of 6 1/28/2017 $66.65 6 of 6 On March 20, 2017, a payment of $158.85 was applied to your HSN account. This payment satisfied the purchase of $64.15 for the Polaroid E53H Dashcam and the first initial payment of $94.70 for the HP 19 Intel 4GB/1TB. You are still responsible for the balance of $66.65 for the second FlexPay payment that was billed to the HSN account on December 29, 2016. As a one-time courtesy, we have removed the previously assessed late fees and finance charges in the amount of $118.39. The current account balance on your account is $66.65. In addition, notification has been sent to the credit-reporting agency with instructions to remove the late reported information previously reported regarding your HSN account. Please allow the credit-reporting agencies 45 days to update their records. For questions regarding FlexPay payments, we suggest you contact HSN directly at ###-###-####. 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, Ashley H[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com
Dear [redacted]We received your complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help with youraccount-related questions. Your complaint, addressed to the Revdex.com, wasforwarded to...
my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to thiscomplaint on March 13, 2015. We have enclosed a copy of our previous response for yourrecords. Please be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations SpecialistMarch 13, 2015Dear [redacted]Thank you for contacting Comenity Capital Bank. As the bank that issues your American Laser Skincarecredit card, we are here to help with your questions.You recently disputed a transaction on your American Laser Skincare account. Because your disputeletter arrived more than 60 days after the first billing statement on which the disputed charge appeared,the amount subject to dispute is limited to your balance at the time we received your dispute letter. Sinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge(s) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entities. The bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance charges. These credits appeared on your billing statement as aprovisional credit and a finance charge credit. You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenience. If you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####). Any ofour team members will be happy to help you.Sincerely,Customer Care teamAL03 326SEND BANKRUPTCY NOTICES/RELATED CORRESPONDENCE TOPO Box 183043, Columbus, OH 43218-3043The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, 1100 Walnut Street, Box #11, Kansas City, Missouri 64106.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection Act. The State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts02108.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories on each individual upon request. TheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with thislaw.
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]:
Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret Angel
credit card accounts, we are here to answer account-related questions. Your complaint submitted to the RevDex.com was forwarded to my attention for review. I...
appreciate the opportunity to assist Your complaint states that you had issues
paying your bill due to unemployment; however, you paid the balance in 2008,
and closed the account. In November 2015,
you received calls from collection agencies which were rude and you were hung
up on before speaking to anyone. So much
time has passed that you no longer have proof you paid the account balance in
full.
Furthermore, you state that you paid another
$120.00 to settle the account, and never got a confirmation letter. After attempting to call the collection
agency for a copy of the letter the number no longer worked. On March 21, 2016, you received another call
from a different collection agency and you were told that you owed more than
$500.00. After advising them that you
refuse to pay, and that you were calling the police, you were hung up on. You would like to be refunded the $120.00 you
paid in November 2015 and you never want to be contacted again by Victoria’s
Secret or any associated parties.
Please find a summary of your account
below. I have enclosed a copy of the
account Credit Card Agreement (CCA). The
Bank is required to keep records on file for a period of time applicable by law. As this timeframe has expired, we are unable
to provide you with billing statement copies.
Please note that use of the account or failure to close the account
within 30 days of receiving the CCA indicates acceptance of the terms of the
agreement, including the assessment of any finance charges and fees.
In addition, Comenity Bank has no record that
you paid the last charge in 2008 or that you closed the account. If you have record of sending this payment,
such as a front and back copy of the cashed check or a valid bank statement showing
the payment was withdrawn from your checking account, we would be happy to
research this further. This
documentation can be sent to the address noted above, or you may send a fax to
###-###-####.
Additionally, as the payment for $120.00 was made
after the account was transferred, Comenity Bank would have no record of this
payment and is unable to refund this amount to you. You would need to contact the collection
agency you paid, and further dispute the payment with them directly.
We apologize for any confusion or
inconvenience this matter may have caused you.
If you have any further questions or concerns, please contact NCO at the
number provided. They will be happy to
assist you.Sincerely,Shawnda Y[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding your Peeblescredit card account. Cornenity Bank issues Peebles credit cards, and we respond to allaccount-related questions and concerns. Your complaint was fowarded to my attention, and Iappreciate the...
opportunity to assist you.We understand from your complaint, you did not receive a monthly billing statement, and youwere unable to secure a payment for your Peebles credit card account via online or in store at aPeebles retail location. Due to matters with your mother's health, you lost track of time, andsecured a late payment over the phone. As a result, you received a 30-day delinquency on yourcredit bureau report, which resulted in your credit score declining from 735 to 680.You are requesting Cornenity Bank remove the delinquent notification from your credit bureaureport.We apologize for any frustration or inconvenience you may have experienced regarding thismatter and we are truly sorry to hear about your mother. It is our hope that all is well.Please be advised, in the interest of the customer service, the payment history for the month ofJune 2015 has been updated on your Peebles credit card account. Please allow the creditreporting agencies 45 days to update their records.Should you have any further questions or concerns, please contact me at ###-###-####, ext[redacted] (TDD/TTY ###-###-####). 1 will be happy to assist you.Sincerely Geanine M[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 until 07/05/2017. Please let me know if this extension date is not approved.
Comenity Bank has received your complaint regarding the above-referenced account. ComenityBank issues the Lane Bryant credit card. We are here to answer your questions and assist withyour concerns.Your complaint states that you contacted the Bank, the late fees were removed from the account,and the...
account was bought current. However, your credit report still reflects a late payment andyou are requesting to have that removed, as the late fees were removed from your account. Weunderstand your concerns, and apologize for any inconvenience or frustration this matter mayhave caused you.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations, and found that on April 11, 2017, [redacted] contacted the Bank regarding theinformation appearing on her credit report. [redacted] advised the Bank that she was anauthorized user on the account, and the account should not be on her credit. Please be advisedthat [redacted] was incorrectly advised to file a dispute with the national credit-reportingagencies. Furthermore, she requested that the late fees be removed from the account and shewas advised that the Bank needed to speak to you to make any adjustments on the account.Therefore, [redacted] did a conference call and, after the Bank representative verified yourinformation, a late fee was removed as a courtesy.Please understand that we are required to reflect the participation of both spouses on an accountif the accountholder’s spouse is permitted to use the account. [redacted] is an authorized userof the account, and we are required to report the credit card account to the credit reportingagencies. [redacted]’s credit report will show she is an authorized user on the account and notcontractually liable for the balance due. If you, or she, no longer wish to have this account reportedon her credit bureau report, please contact our Customer Care department at ###-###-#### tohave her removed as an authorized user from this account.Bank records further indicate that for the months of September 2016 through February 2017, theBank did not receive a payment on the account. As a result, late fees were assessed to youraccount. Furthermore, your account fell six billing periods past due and was reported to thenational credit-reporting agencies.Although, the Bank issued a credit of $37.00 to your account for one of the late fees, your paymenthistory was not updated. Please be advised that we are only willing to remove or changeinformation that our company incorrectly furnished to the credit-reporting agencies. We havefound the information we reported is an accurate reflection of the payment history for youraccount. Therefore, this information will not be changed or removed from your credit bureaureport.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]Jenny W[redacted]Compliance Dept. – Consumer Responses
Dear Revdex.com,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 until 08/24/2017. Please let me know if this extension date is not...
approved. Thank you,
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Christopher & Banks credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that you...
made a payment using your [redacted] account on April 13, 2017, on the Christopher & Banks website. On April 19, 2017, you noticed that the payment was returned, and you were assessed a return payment fee of $23.97. You state the Bank withdrew funds from a checking account that was on file, but had been closed. You are requesting to have the return payment fee of $23.97 refunded, as you did not pay for the items from the closed account. We apologize for the inconvenience you have experienced regarding this matter. Please be advised that the Bank will submit a payment for processing using the checking account selected when the payment is submitted online. The Bank does not have the ability to change the selection of the account. Your payment of $59.91, scheduled on April 13, 2017, was processed using the checking account selected on Account Center and was returned due to no bank account located. A returned payment fee of $23.97 was applied to your account, which was the balance on your account at the time of the payment being returned. Please be advised, that the Bank can only issue a refund for a return payment fee if there was a processing error on the behalf of the Bank. Therefore, we are unwilling to remove the return payment fee of $23.97. Your account reflects a credit balance of $10.00 for a return that was applied on April 24, 2017. We have requested a refund check for that amount and it should be received within fourteen days. Furthermore, the account was closed at your request on April 25, 2017. 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, Ashley H[redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account reference above. Comenity Bank issues woman Within credit card accounts, and we are here to assist you with all account-related questions or concerns. I appreciate the opportunity to respond...
s to the account, pursuant to the guidelines of the Credit Card Agreement. We received your payment of $72.73 on April 13, 2016. When the Bank’s records show an account as delinquent, the Bank will make attempts to contact you 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. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempt to communicate is successful. We have updated the telephone numbers, so that you no longer receive telephone calls, regarding the Woman Within account, from the Bank. All calls should have ceased by this time. The Bank has made the decision to no longer hold you responsible to pay the above-referenced previous account balance. Please be assured, credits have been issued totaling $72.73. These credits have posted and you now have a credit balance you $72.72. A refund check for this credit balance has been request and should be received under separate cover, in 14 days. We understand the concerns regarding your credit bureau file, and we are happy to explain our position. Comenity Bank is required to report factual information to the national credit-reporting agencies. We have reviewed your account and we find that the information reported is correct; as such, we are unwilling to remove any delinquencies. 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: Experian (TRW) P.O. Box 2002 701 Experian Parkway Allen TX 75013-3742 8###-###-#### http://www.experian.com Trans Union (TRU) P.O. Box 390 Springfield, PA 19064-0390 ###-###-#### http://www.transunion.com Equifax (CBI) P.O. Box 740241 Atlanta, GA 30374-0241 ###-###-#### http://www.equifax.com I hope you find this information to be helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**
to your concerns. We understand from your complaint that you are being charged $2.00 “monthly Minimum” fees to your account, which you believe has a zero balance. You state you paid your account balance of $72.73 to have the telephone calls stopped, and to protect your credit. You believe you are being charged late fees against the bank fees. You would like the full amount refunded and the negative credit reporting reversed. Please be advised, your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. If you are charged interest, the charge will be no less than $2.00 per credit plan, which is the minimum charge you are referencing in your complaint. Your payment due date is on the 17th of each month. 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 CCA, which is included for your records. Bank records indicate, a billing statement was sent to you on March 22, 2015, reflecting a balance of $180.25 and a payment of $29.94 due by April 17, 2015. As no payments were received by the due date, a late fee and finance charge were assessed to the account, pursuant to the guidelines of the Credit Card Agreement. We received you payment of $50.00 on March 29, 2015. Additionally, a billing statement was sent to you on August 22, 2015, reflecting a balance of $101.91 and a payment of $30.00 due by September 17, 2015. As no payments were received by the due date, a late fee and a finance charge were assessed to the account pursuant to the guidelines of the Credit Card Agreement. We received your payment of $35.00 on August 23, 2015. Lastly, a billing statement was sent to you on December 22, 2015, reflecting a balance of $14.91 and a payment of $14.91 due by January 17, 2016. As no payments were received by the due date, late fees and finances charges were a
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards,
[redacted]
In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 07/22/2017. Please let me know if this extension date is not approved. Thank you,
Dear [redacted]:
We have
received the inquiry you sent to the Revdex.com regarding the
above-noted account. Your correspondence
was forwarded to
Comenity Bank.
Comenity Bank issues the Bergner’s credit card,
and we are here to help answer your...
questions. I appreciate the opportunity to assist you
with your concerns.
We understand from
your complaint to the Revdex.com that your Equifax report is
showing the account being delinquent for 24 months after paying your account
off in February 2014. We do apologize
for the inconvenience you may have experienced.
After researching our
records, we had found the payment history reported incorrectly. Please be assured, notification had been sent
to the national credit-reporting agencies with instructions to remove the
reported delinquency after February 2014, with regard to your Bergner’s
account. Please allow the
credit-reporting agencies 45 days to update their records.
Further records show
your account received payment of $243.00 on February 17, 2014. On February 19, 2014, we had notified the
credit-reporting agencies that your account was a charge off and settled in
full for less than the balance owed.
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,
Jack C[redacted]
Dear Comenity Bank, I did not ever tell any rep from your company I was stranded, I did tell mr Guy the supervisor, that my phone was broken because a 3-year-old sat on it and broke it, and when guy gave me the temporary increase, he told me to use it with in 24 hrs., I told him I lived right across the street and I was going right over to my Meijer’s store. I suggest you please get this story straight. And review the phone recordings. And as far as good customer service goes, if you took the time to view all of the telephone recordings that happened after each time my credit card was declined from the first temporary Mr. Guy did, and I called in to your customer service , and was told that I have available credit of 850 after the purchase of $206.00, and a few customer service reps told me there was no reason my card should be declined because I have the available credit, and I made several trips back to the store because your customer service people don’t know there job and this includes two supervisors. What makes no sense is that Guy the supervisor made a 1000-dollar mistake on a customer’s credit line, and after this mistake was made a few customer service reps told me after a few declines that I have the available credit so I went back to the store, it must be our system, and the supervisor Named Jenifer told me that Guy broke your policy and was not supposed to even do any kind of increase to the Meijer card, she said the increases are only for clothing cards, than Walter came into this and told me that Jenifer was wrong that guy was right in increasing it, so I told him Jenifer does not know your policy and she is a another supervisor. Yes, Comenity Bank did adjust over $180.52 in finance charges, that in its self should tell the bank what this customer has been through. What also makes no sense is that on 05/19/2017 I called in and spoke to a regulation specialist and needed to use my card because there was a death in the family and I need to buy some clothing, and after speaking to the regulation specialist she went to a supervisor, and a third temporary increase was done to the account of $200.00 so I could make my purchase, all of these temporary increases so I can shop, but no one putting my credit line ware I was led to believe it was, and was told over and over again by customer service I have the available credit . in closing I would like this complaint and all copies sent to John M[redacted], and John S[redacted], because I want them booth to see just how Laura R[redacted], is treating their customers with her thought process. This is not right to do to a customer and a good card holder. I would like my credit line to be the 2100 like I was led to believe, instead of all these temporary increases that have been made because of all the mistakes that wear made with my account. This is so wrong Laura on every business and card holder level to do to me. I feel very misled and violated because of all the bank employee’s mistakes, and trust me there was so many, too many Laura. If the credit line is adjusted to the 2100 I will continue to shop pay my bill and be a good customer and card holder, if it’s not I will be following up with a consumer protection bureau complaint so that this gets in the hands of John M[redacted] and john s[redacted] Thank you …[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
We received your additional complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Brylane Home® credit card accounts, and we are here to assist youwith all account-related questions. I appreciate the opportunity to respond to your concerns.We understand from your complaint that you have not received your fall 2014 billing statement. You are providingus with a copy of your bank statement showing an $800.00 withdrawal which you state was used to pay for themoney order you remitted as payment on your account. You did agree to pay this again, but you want a reasonas to why interest is being charged.Since you cashed the refund check that was issued in error in May 2015, the amount of the refund check wasplaced back on your account. Since payment was not received, fees were assessed. Please be advised, yourdue date is at least 25 days after the close of each billing cycle. We will not charge you interest on the balanceif you pay your entire balance by the due date each month.We are unclear as to why you are requesting copies of billing statements from the fall of 2014. However, wehave enclosed the statements from 2014 for your records.In my previous response, dated August 10, 2016, I advised that if payment of $575.00 is received within 90 daysof the receipt of the letter, the Bank would be willing to delete this account, in its entirety, from your credit bureaureport. This means we will accept the amount of $575.00, without asking for payment of the interest charges.You may mail your payments to the remittance address provided on the statements, or call me at the numberbelow to pay by telephone with a personal bank account or debit card. If you choose to mail payment, pleasenotify me when the $575.00 has been satisfied, and I will have the account removed from your credit report.If you believe you have already made payments, we recommend that you contact your money order provider forverification. If a payment is confirmed, please provide a copy of the front and back of the missing payment, andwe will be glad to update your account accordingly. Please understand that we are unable to consider a copy ofyour bank statement showing an $800.00 withdrawal as proof of payment being made to your BrylaneHome®account.I hope this information is helpful. If you have any further questions regarding your account, please contact meat (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Amanda RayConsumer Relations SpecialistCC: Revdex.com
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Lane Bryant credit card. We are here to answer your questions and assist with your concerns. We understand from your additional complaint that you did not receive the billing statements from August through November 2016. You state you were not aware there was a balance until you tried to use the card in November, and were informed the account was suspended. You contacted the Bank, and were informed that a letter would be sent regarding the status of the account and the dispute; however, you did not receive the letter dated December 6, 2016, and received another statement with a late fee. You don’t understand how an electronic bill payment withdrawal on July 29, 2016, did not post until August 9, 2016, or why the representative did not ask if you wanted to settle the account in November 2016. I am happy to share my findings. Bank records indicate that the billing statements were delivered. Additionally, the Bank has no record of any correspondence being returned as undeliverable. You may wish to advise your local post office of the issue with your mail delivery. As advised in the prior correspondence, you contacted the Bank on November 29, 2016, and a dispute was submitted on your behalf. You did not request to settle the account; however, you requested to have the fees removed. Please note that payments are posted to the account on the date they are received. The payment of $14.99 was not received until August 9, 2016. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. 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, Kaija M[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me; however it is possible that there may be two deliquency reports on my credit report. I would appreciate it if you could removed both deliquencies if there are in fact two.
Regards, [redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank previously issued The Limited credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you did not receive credit from The...
Limited, although you returned the merchandise. You believe that you met all the requirements to file a dispute, as listed on the back of your statement; however, you were advised to contact The Limited. You are requesting the Bank to credit the account for $80.92.We apologize for the frustration and inconvenience you experienced. As a result of our investigation process, we have credited your account for the full amount of your dispute, which includes all bank fees. The credit adjustments in the amount of $84.79 will reflect on the account within the next one to two billing statements.As a result of the credits, the account will have a credit balance of $11.03. A refund check for this amount will be mailed to you under separate cover.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]
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues HSN credit cards. We are here to answer your questions and assist with your concerns. We understand from your complaint that you applied for the HSN...
credit card to receive a discount on your purchase. You state you gave HSN your debit/credit card information for the purchase. You state that you made all of your remaining flex payments over two days in January 2017, directly to HSN. When you received your bills from Comenity Capital Bank, you thought your flex payments had been made. When you contacted the Bank you were advised that you had not made any payments. You are requesting that all late fees and finance charges be removed, as you were not aware that the initial purchases would be applied to the HSN credit card account. We apologize for the inconvenience this matter may have caused you. Please note that Comenity Capital Bank and HSN are two separate entities. The Bank issues and is responsible for addressing questions related to the HSN credit card account. HSN is responsible for handling matters related to sales, merchandise processing, returns, shipping, and FlexPay payment plans. When a HSN credit card is opened the initial charge is applied to the HSN credit card to take advantage of any discounts or promotions. Comenity Capital Bank’s only involvement in FlexPay payment plans is to process the charges that are billed to the HSN credit card account. Our records indicate the HSN account was charged $64.15 on November 27, 2016, for a Polaroid E53H Dashcam. On November 29, 2016, your account was charged $94.70 for the initial FlexPay payment, for the HP 19 Intel 4GB/1TB, payment 1 of 6. On December 29, 2016, your account was charged for payment 2 of 6 for of $66.65. Due to the status of your HSN account as of January 2017, the remaining 4 FlexPay payments for the HP 19 Intel 4GB/1TB could not be charged to the HSN credit card account; therefore, you were billed directly from HSN. Per HSN the following payments were made directly to HSN using Mastercard ending in [redacted] for FlexPay payments for the HP 19 Intel 4GB/1TB: 1/27/2017 $66.65 3 of 6 1/27/2017 $66.65 4 of 6 1/28/2017 $66.65 5 of 6 1/28/2017 $66.65 6 of 6 On March 20, 2017, a payment of $158.85 was applied to your HSN account. This payment satisfied the purchase of $64.15 for the Polaroid E53H Dashcam and the first initial payment of $94.70 for the HP 19 Intel 4GB/1TB. You are still responsible for the balance of $66.65 for the second FlexPay payment that was billed to the HSN account on December 29, 2016. As a one-time courtesy, we have removed the previously assessed late fees and finance charges in the amount of $118.39. The current account balance on your account is $66.65. In addition, notification has been sent to the credit-reporting agency with instructions to remove the late reported information previously reported regarding your HSN account. Please allow the credit-reporting agencies 45 days to update their records. For questions regarding FlexPay payments, we suggest you contact HSN directly at ###-###-####. 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, Ashley H[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com
Dear [redacted]We received your complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help with youraccount-related questions. Your complaint, addressed to the Revdex.com, wasforwarded to...
my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to thiscomplaint on March 13, 2015. We have enclosed a copy of our previous response for yourrecords. Please be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations SpecialistMarch 13, 2015Dear [redacted]Thank you for contacting Comenity Capital Bank. As the bank that issues your American Laser Skincarecredit card, we are here to help with your questions.You recently disputed a transaction on your American Laser Skincare account. Because your disputeletter arrived more than 60 days after the first billing statement on which the disputed charge appeared,the amount subject to dispute is limited to your balance at the time we received your dispute letter. Sinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge(s) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entities. The bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance charges. These credits appeared on your billing statement as aprovisional credit and a finance charge credit. You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenience. If you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####). Any ofour team members will be happy to help you.Sincerely,Customer Care teamAL03 326SEND BANKRUPTCY NOTICES/RELATED CORRESPONDENCE TOPO Box 183043, Columbus, OH 43218-3043The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, 1100 Walnut Street, Box #11, Kansas City, Missouri 64106.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection Act. The State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts02108.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories on each individual upon request. TheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with thislaw.
Good morning, An extension is needed to further research the concerns addressed in the complaint. Thank you, [redacted]
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]:
Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret Angel
credit card accounts, we are here to answer account-related questions. Your complaint submitted to the RevDex.com was forwarded to my attention for review. I...
appreciate the opportunity to assist Your complaint states that you had issues
paying your bill due to unemployment; however, you paid the balance in 2008,
and closed the account. In November 2015,
you received calls from collection agencies which were rude and you were hung
up on before speaking to anyone. So much
time has passed that you no longer have proof you paid the account balance in
full.
Furthermore, you state that you paid another
$120.00 to settle the account, and never got a confirmation letter. After attempting to call the collection
agency for a copy of the letter the number no longer worked. On March 21, 2016, you received another call
from a different collection agency and you were told that you owed more than
$500.00. After advising them that you
refuse to pay, and that you were calling the police, you were hung up on. You would like to be refunded the $120.00 you
paid in November 2015 and you never want to be contacted again by Victoria’s
Secret or any associated parties.
Please find a summary of your account
below. I have enclosed a copy of the
account Credit Card Agreement (CCA). The
Bank is required to keep records on file for a period of time applicable by law. As this timeframe has expired, we are unable
to provide you with billing statement copies.
Please note that use of the account or failure to close the account
within 30 days of receiving the CCA indicates acceptance of the terms of the
agreement, including the assessment of any finance charges and fees.
In addition, Comenity Bank has no record that
you paid the last charge in 2008 or that you closed the account. If you have record of sending this payment,
such as a front and back copy of the cashed check or a valid bank statement showing
the payment was withdrawn from your checking account, we would be happy to
research this further. This
documentation can be sent to the address noted above, or you may send a fax to
###-###-####.
Additionally, as the payment for $120.00 was made
after the account was transferred, Comenity Bank would have no record of this
payment and is unable to refund this amount to you. You would need to contact the collection
agency you paid, and further dispute the payment with them directly.
We apologize for any confusion or
inconvenience this matter may have caused you.
If you have any further questions or concerns, please contact NCO at the
number provided. They will be happy to
assist you.Sincerely,Shawnda Y[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding your Peeblescredit card account. Cornenity Bank issues Peebles credit cards, and we respond to allaccount-related questions and concerns. Your complaint was fowarded to my attention, and Iappreciate the...
opportunity to assist you.We understand from your complaint, you did not receive a monthly billing statement, and youwere unable to secure a payment for your Peebles credit card account via online or in store at aPeebles retail location. Due to matters with your mother's health, you lost track of time, andsecured a late payment over the phone. As a result, you received a 30-day delinquency on yourcredit bureau report, which resulted in your credit score declining from 735 to 680.You are requesting Cornenity Bank remove the delinquent notification from your credit bureaureport.We apologize for any frustration or inconvenience you may have experienced regarding thismatter and we are truly sorry to hear about your mother. It is our hope that all is well.Please be advised, in the interest of the customer service, the payment history for the month ofJune 2015 has been updated on your Peebles credit card account. Please allow the creditreporting agencies 45 days to update their records.Should you have any further questions or concerns, please contact me at ###-###-####, ext[redacted] (TDD/TTY ###-###-####). 1 will be happy to assist you.Sincerely Geanine M[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 until 07/05/2017. Please let me know if this extension date is not approved.
Comenity Bank has received your complaint regarding the above-referenced account. ComenityBank issues the Lane Bryant credit card. We are here to answer your questions and assist withyour concerns.Your complaint states that you contacted the Bank, the late fees were removed from the account,and the...
account was bought current. However, your credit report still reflects a late payment andyou are requesting to have that removed, as the late fees were removed from your account. Weunderstand your concerns, and apologize for any inconvenience or frustration this matter mayhave caused you.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations, and found that on April 11, 2017, [redacted] contacted the Bank regarding theinformation appearing on her credit report. [redacted] advised the Bank that she was anauthorized user on the account, and the account should not be on her credit. Please be advisedthat [redacted] was incorrectly advised to file a dispute with the national credit-reportingagencies. Furthermore, she requested that the late fees be removed from the account and shewas advised that the Bank needed to speak to you to make any adjustments on the account.Therefore, [redacted] did a conference call and, after the Bank representative verified yourinformation, a late fee was removed as a courtesy.Please understand that we are required to reflect the participation of both spouses on an accountif the accountholder’s spouse is permitted to use the account. [redacted] is an authorized userof the account, and we are required to report the credit card account to the credit reportingagencies. [redacted]’s credit report will show she is an authorized user on the account and notcontractually liable for the balance due. If you, or she, no longer wish to have this account reportedon her credit bureau report, please contact our Customer Care department at ###-###-#### tohave her removed as an authorized user from this account.Bank records further indicate that for the months of September 2016 through February 2017, theBank did not receive a payment on the account. As a result, late fees were assessed to youraccount. Furthermore, your account fell six billing periods past due and was reported to thenational credit-reporting agencies.Although, the Bank issued a credit of $37.00 to your account for one of the late fees, your paymenthistory was not updated. Please be advised that we are only willing to remove or changeinformation that our company incorrectly furnished to the credit-reporting agencies. We havefound the information we reported is an accurate reflection of the payment history for youraccount. Therefore, this information will not be changed or removed from your credit bureaureport.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]Jenny W[redacted]Compliance Dept. – Consumer Responses