I am asking for assistance to reverse a late fee(s)and not even one was even offered in your letter of response. I understand I have been late there was no discrepancy there, however I am asking since you guys have dedicated customers such as myself, that it would be a nice gesture to be able to reverse late fees even if it's just one and of offered a grace period time online to pay your bill on the actual due date it cuts off at 5pm, but of course I wasn't even offered that from corporate. Even [redacted] helps their customers out and give some better assistance. Also I am aware of my balance.
Regards, [redacted]
Dear Mr. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Pier 1 imports® credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention, and I...
appreciate the opportunity to respond to your concerns. We understand from your complaint that you scheduled two payments on our Account Center website and you did not receive a confirmation. Later, in March 2016, you received a telephone call advising that your payment for December 2015 and January 2016 was late. You state that you never received a notice by mail or telephone before your account was reported to the credit-reporting agencies as late. You are requesting that we remove the delinquency that was reported or provide you with a letter so that you can contact the credit bureaus about this error. Additionally, you have concerns that Account Center does not offer a repeated automatic debit feature. We apologize for any inconvenience this matter may have caused you. After a review of your account, our records indicate that your account was registered on our online Account Center on May 29, 2014, using [redacted] Statement ready email notifications have been sent to your email address and the Bank has no record of any of the statement ready emails being returned as undeliverable. Your monthly billing statements are your notification that a payment is due and also advises you if your account is past due and when the last payment was received. At this time, Comenity Bank does not offer autopay for your Pier 1 imports® credit card. Please be advised that if the option becomes available in the future, you will be notified either via your monthly billing statement or Account Center. For the time being, we suggest you contact your banking institution for autopay options. On April 27, 2016, the late fee for $35.00 was credited to your account. Please be assured that we have removed the remaining $25.00 late fee from your account. In addition, notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment information that was reported for February 2016. Please allow the credit-reporting agencies 45 days to update their records. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced credit card account. Comenity Capital Bank issues the My BJ's Perks® World for Business credit card. We are here to answer your questions and assist with your concerns. In regard to your account...
being closed, the Bank sent a letter on December 1, 2016, advising the account had been closed, due to continued security concerns involving the account. A copy of this correspondence is enclosed with this letter. Please note the Credit Card Agreement gives us the right to close an account at any time, for any reason. We respectfully decline your request to reopen the account. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M[redacted]
Comenity Bank (Bank) has received correspondence regarding the above-noted 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. We understand from your complaint that you...
received a duplicate dispute form, after you already submitted the original documentation requested to Comenity Bank. We apologize for the inconvenience you have experienced regarding this matter. On January 12, 2017, a dispute form was sent to you requesting additional information to research your dispute. On January 23, 2017, during your conversation with the Bank you advised that you had not received the dispute form that was previously sent; therefore, a second dispute form was sent. Please be assured that we have received all of the pertinent information to investigate your dispute. In addition, a response was sent to you on March 31, 2017, advising that you were not responsible for the disputed amount of $199.99. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. Sincerely,
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Wayfair Card credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you opened a Wayfair Card account...
with a credit limit of $4,500.00. You state that you continue to pay your bill; and that you only skipped a payment or two. Due to this matter the credit limit was decreased to $3,100.00 and every time that you make a payment the balance does not decrease. You request an adjustment to the account, as you make $109.00 payments to the account each month. I am happy to share my findings. Bank records indicate the account was opened May 16, 2016, with a credit limit of $4,500.00. The credit limit was decreased to $3,100.00 on November 24, 2016, as the account was past due for more than one consecutive billing period. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Our records further indicate that from September 2016 through June 2017, excluding the months of February 2017 and March 2017, the minimum due amount was not met: which caused a late fee to be assessed to the balance each month. Although, you were making a payment of $109.00, with the applicable finance charge and late fee assessed, the balance increased. We suggest that you review your monthly billing statement to ensure that the minimum payment required is met each month. This will allow the balance to decrease over time. As of the date of this letter, the account has a valid balance of $3,107.33, with a minimum payment of $218.00 due by July 20, 2017. No billing adjustment is due at this time. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. Sincerely, Kaija Marshall Compliance Dept. – Consumer Responses cc: Revdex.com
Actually I did tell you what I wanted from this company... They claimed that taking phone numbers of family members and harassing them to get me to contact them is legal. I could see this being possible if I had given more than one contact number on my account. My number was and has only been the number on my account. By them contacting my father on his personal cell phone at 6:50am is absolutely an invasion of privacy. I will take legal action if they cannot provide me in writing the "law" that claims they are able to harass family to reach me.
Dear Mr. [redacted]We received your complaint, addressed to the Revdex.com regarding the abovereferencedaccount. Comenity Capital Bank issues Virgin America Visa@ accounts, and werespond to all account-related inquiries. Your complaint was forwarded to my attention forreview, and I...
appreciate this opportunity to assist you.I understand from your complaint that there is a derogatory mark regarding a Virgin AmericaVisa@ account, appearing an your credit bureau report. You state that you were informed thatyour card was compromised resulting in the necessity for you to receive a new card andaccount number. This shift in account numbers caused a disruption in your auto-pay thoughyour consumer bank, in addition your emailed statements were being labeled as spam.Ultimately the account was reported to the credit bureaus as 30 days delinquent. You wouldlike the negative reporting removed. We apologize for any inconvenience this matter may havecaused you.We currently show you as an authorized buyer on the above-noted account. As such, we areunable to honor your request to remove the reported delinquency as all account changerequests must come directly from the primary account holder. Please note we have respondeddirectly to the primary account holder regarding this issue.We hope you have found this information to be helpful. Should you have any additionalconcerns please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.
We received your complaint, addressed to the Revdex.com, regarding your fullbeauty® creditcard account. Comenity Bank issues fullbeauty® credit card accounts, and we respond to all accountrelatedquestions. Your complaint was forwarded to my attention, and I appreciate the opportunity to...
assistyou.We understand from the complaint that you were behind on your payments, and that your first paymentarrangement did not go through because the person you spoke with did not process your arrangementcorrectly. When you called to discuss an additional payment arrangement, you were advised it was toolate, and that you needed to make a $200.00 payment or the account would go to collections. This debt isnow paid in full, but it is reporting to the credit bureaus as an unpaid debt. You are requesting that yourcredit bureau information be updated to paid in full.We understand your concerns, and sincerely apologize for any inconvenience this matter may have causedyou.We have reviewed the concerns in your complaint, as well as the applicable telephone conversations. Weapologize if you felt you did not receive the best customer service. We never intend to treat our customersin a less-than-satisfactory manner. We are committed to providing the best customer service and aredisappointed when a customer feels this standard was not met. We were able to confirm that you didreceive misinformation from our collection representatives in regards to the hardship program.In the interest of customer service, because the account was written off before the settlement wascompleted, the Bank has submitted notification to the credit-reporting agencies to have the abovereferencedaccount deleted, in its entirety, from your credit report. Please allow up to 45 days for thisinformation to be updated by the credit reporting agencies.We value you as a customer, and hope you find this information to be helpful. If you have any furtherquestions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.
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 [redacted] We recently received an additional complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related inquiries. I appreciate the opportunity to assist you. I understand your concerns as indicated in your complaint, and I apologize for any continued frustration or inconvenience you may be experiencing because of this matter. Thank you taking the time to speak with me on April 17, 2015, regarding this matter. Please understand that Comenity Capital Bank and HSN are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping. On your behalf, we contacted HSN, in regard to the purchases applied to the credit card account; in addition to, your telephone conversations with their Internet Order Inquiries department on February 15, 2015, March 4, 2015, March 12, 2015, and March 16, 2015. Unfortunately, HSN keeps a record of their telephone calls for 30 days; therefore, due to the length of time that has passed since these telephone calls took place, transcripts of these calls are not available. However, HSN was able to confirm that correspondence was emailed to you at [redacted] on April 3, 2015, indicating that they do not have access to your credit card statements and/or account balances with Comenity Capital Bank. On that same day, HSN confirmed there was one remaining Flex Pay payment in the amount of $15.99 for the JOY & IMAN 22-Section Luxe Genuine Leather Handbag & Watch Majestic Purple order. This payment was scheduled to be charged to your HSN credit card account on April 6, 2015. For your review, we have enclosed a copy of the order details provided by HSN: including purchases and returns applied to the credit card account from January 7, 2015, through March 26, 2015. Furthermore, HSN records indicate that [redacted]s last transaction was not applied to your HSN credit card account. Based upon the information provided by HSN, the Bank finds the account balance on your March 2015 statement to be valid. Should you have any further questions regarding this matter, please contact HSN’s corporate office directly at ###-###-####, or you may write to, HSN, [redacted] Lastly, we have enclosed a copy of the original resolution letter for your records, as our position remains unchanged. As of the date of this letter, the account balance is zero, and the HSN credit card account was permanently closed, per your request. We hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Once again, Comenity claim to have sent me a letter, which I never received. That will be the seventh letter that Comenity claim USPS have failed to deliver. I do not believe USPS lost a single one. They also state:" On April 24, 2017, the Bank submitted a request to the credit reporting agencies for the Trek credit card account to be deleted from your credit bureau report. When this request is made it may take up to 45 business days to be completed. "That was 57 days ago. Neither Trans-union nor Experian have removed the adverse entry.What I would like to have heard from Comenity is why they entered the adverse entry to my credit report before before they had investigated the matter thoroughly, and what steps they plan to take going forward to ensure other non-customers are not inconvenienced and financially out of pocket as a result of their failure to investigate matters properly. Would they have responded at all unless Revdex.com prompted them to do the right thing?
Regards, [redacted]
Dear Mrs. [redacted] We received your complaint, addressed to the Revdex.com. Comenity Bank issues The RoomPlace credit cardaccounts, and we respond to account-related questions. Your correspondence was forwarded to myattention, and I appreciate the opportunity to...
respond to your concerns. We understand your concerns as explained in the complaint. Bank records show that The RoomPlace accountis solely listed in the name of [redacted]. Because of this, the Bank is unable to discuss or release accountinformation to another party without Mr. [redacted]’s permission. Please be advised that we have sent a response to [redacted] directly regarding theaccount. We hope this information is helpful. Shouldyou have any other questions or concerns regarding this account, please feelfree to contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy toassist you. Sincerely,[redacted] [redacted]Consumer Relations Specialist ell us why here...
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Torrid credit card. We are here to answer your questions andassist with your concerns.We understand from your correspondence, submitted to the Better Business...
Bureau, that youreturned all items that were ordered and a refund was to be posted to your account. You stateyou spoke to a representative to verify the merchandise was received and asked if there wouldbe a balance due after all merchandise was refunded. At that time you were advised they couldnot tell you and that it would take three days for the return to post to the account. You also stateyou asked if there would be a late fee assessed to the account and were advised there would notbe. On May 30, 2017, you received a statement with a late fee assessed to the account. At thattime you reached out to the Bank requesting that the late fee be removed from your account. Youwere advised that the account was not eligible for a late fee removal. You are requesting the latefee, and small interest fee be removed and the account closed.Please note Torrid and Comenity Bank are two separate entities. The Bank issues and isresponsible for addressing questions related to your credit card account. Torrid is responsible forhandling matters related to sales, merchandise processing, returns and shipping.We have reviewed the concerns in your complaint as well as communication with the Bank.Please be assured that I listened to the call in question that was placed to the Bank on May 31,2017. During this call you requested the late fee removed. You stated you spoke to arepresentative earlier in the month and were advised you would not be assessed a late fee. Atthat time the representative advised you there was no record of a previous call to the Bank. Weconfirmed you communicated with the Bank via the Bank’s online Account Center. Bank recordsindicate when responding to your question about a late fee the Bank advised a late fee had notbeen billed to your account, and if a late fee was on your next billing statement to contact us tosee if the late fee was eligible to be removed. During the call on May 31, 2017, the Bankrepresentative advised possibly you spoke to Torrid customer service regarding this matter andyou said, yes, that is who you called. The Bank representative advised you due to a previous latefee credit, another late fee could not be removed from the account.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.Please understand that we are unwilling to credit your account any additional late fees or financecharges at this time, as the fees are valid.Please be advised, per your request the account was closed on June 5, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee S[redacted]
Dear Ms. [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Hot Topic credit card. We are here to answer your questions and assist with your concerns. ...
Your correspondence indicates you received a voice mail in which the representative requested your legal representation, and advised of the commencement of action against you. As you were unaware of who was calling or why, you felt immediately threatened. You further state the only account you have with the Bank is a Hot Topic card which is in current standing. Our records indicate the above-referenced Hot Topic account was opened on December 19, 2015. The last purchase of $62.30 posted to the account on August 11, 2016, and the last payment of $100.00 was received on July 29, 2016. As of today’s date, the account balance is $435.65, and the account is five billing periods past due. When an account is delinquent, we will make attempts to contact the customer 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. We have reviewed the message left for you. Please note this message was not an attempt to threaten you; but rather, it was an effort to prompt you to contact the Bank in order to help prevent your account from falling further into delinquency. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. We understand customers may experience difficulty making their payments due to economic factors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Long-Term Customer Workout Program. These programs can provide customers with special terms in order to help bring the account current. If you are interested in obtaining information on whether you qualify for one of these programs, please call ###-###-####. Also, 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 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 ###-###-####. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Laura R[redacted]
Dear Ms. [redacted] We are in receipt of your complaint , regarding the above-referenced account. Comenity Bank issues wayfair credit card accounts and we respond to all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate...
the opportunity to respond to your concerns. In your complaint you state, unbeknownst to you, Comenity Bank charged your wayfair credit card account $550.09 twice. In the attempt to pay your balance off in full, you overpaid your wayfair account by $550.09. You are requesting Comenity Bank refund you the overage of $550.09 in an expeditious manner. Comenity Bank would like to apologize for the inconvenience and frustration this matter may have caused you. Please be assured, we have reviewed the issues in your complaint as well as the applicable telephone conversation, and would like to share our findings. The wayfair credit card account was opened on March 14, 2016. On March 14 and 17, 2016, the following purchases posted to the account: 1. Wayfair order number – [redacted] totaling - $367.32 – March 14, 2016 2. Wayfair order number – [redacted] totaling - $550.09 – March 17, 2016 Bringing your account balance to $917.41. A mail order return posted to the account on April 7, 2016, in the amount of $54.05. Which reduced your balance from $917.41 to $863.36. Finance charges totaling $51.60, posted to your account, increasing your balance from $863.36 to $914.96. In addition, payments posted to your account on April 14, 2016, in the amount of $100.00, May 1, 2016, in the amount of $82.00, June 14, 2016, in the amount of $100.00, and $632.96, on July 11, 2016, reducing your balance to zero. On August 4, 2016, a mail order sale, order# [redacted] totaling $550.09, posted to your wayfair account, however, on August 10, 2016, the full amount was credited back to your account, an your balance reflected a zero balance. Please note, while a dispute is being investigated, a temporary credit for the disputed amount will appear on the account, and on your billing statement as a “provisional credit”. You will see the credit for $550.09, removed on your next monthly billing statement. At this time, Comenity Bank respectfully declines your request to receive a refund in the amount of $550.09, as this credit was a “provisional credit”, until the billing dispute request had been resolved. I hope you find this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Geanine M[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Ann Taylor Mastercard credit card. We are here to answer your questions andassist with your concerns.We understand from your correspondence submitted, to the Revdex.com,...
that you received athreatening call from a collection agency hired by Comenity Bank from a restricted number and the accountwas not over 30 days old. You requested a statement as you have not received one and the representativerefused to send it. You paid the balance plus a late fee. You state that you opened the account andpresented another credit card and thought the purchase would be on that credit card. You state that due tonon-receipt of the statement you were unaware of how to pay the balance. You are requesting the Bankensure that statements are mailed to consumers before collectors make threats.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.When an account is delinquent, we will attempt to make contact regarding the status of the account.When payments are not received, are made for less than the minimum required, or are received after thedue date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement.After a review of the account, our records indicate the account was opened on December 31.2017, on thatsame day a purchase of $80.29 was placed on the account. On January 7, 2018, a statement was issuedwith a balance of $80.29 and a minimum payment of $30.00 due on February 2, 2018. A payment of $108.98was received on February 11, 2018, as this payment was after the due date, a late fee of $27.00 and afinance charge of $1.69 were assessed to the account.On February 4, 2018, a statement was issued with a balance of $108.96 and a minimum payment of $37.00due on March 2, 2018. Enclosed are the statements for your records.Additionally, our records indicate the statements were mailed to the address above. Please be advised thatthe Bank has not received information from the USPS that the mail was undeliverable.In regard to the restricted number, the Bank does not always have full control of the information that isdisplayed on your caller ID. Caller ID information may vary by phone number; for example, your phoneservice carrier may have limitations on what information is passed through to your caller ID.As of the date of this letter, your balance is zero and the account was closed per your request on February10, 2018.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Catherines credit card accounts. We are here to answer your questions and assist with your concerns.Your correspondence states that you purchased two pairs of...
tights around April 2016 and placed the purchase on your account. You further state that you did not receive a statement until six months later with fees assessed to your account. You state that you made a payment for the original purchase amount and feel the fees should be waived since you did not receive your statements. You are requesting that the Bank waive the fees on the account. We understand your concerns and apologize for any inconvenience or frustration this matter may have caused you.Bank records indicate that a payment of $17.07 was received on October 27, 2016. However, as a result of payments not being received for the months of July-September 2016, late fees were assessed to your account. Furthermore, your payment of $17.07, received on October 27, 2016, was less than the required payment; therefore, it did not bring your account current. As a result of your account falling seven billing periods past due, your account was permanently closed, written-off, and reported to the national credit-reporting agencies as an unpaid debt. Furthermore, on March 27, 2017, your account was sold to [redacted]The Bank is not holding you responsible for the balance and we are in the process of purchasing the account back. Once the process is complete, we will issue credits for any late fees and finance charges to bring the account to a zero balance. We will also submit a request to the credit reporting agencies to delete the account from your credit file.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we arehere to assist you with account-related questions. Your complaint was forwarded to my attention,and...
I appreciate the opportunity to respond to your concerns.We understand the concerns noted in your correspondence, regarding the late fees which wereassessed to your account. You indicate that you paid your balance in full on the first of the monthand the Bank keeps charging you late fees. One late fee has been removed; however, yourequest the Bank remove all of the charges as you claim they are fraudulent.Please be assured that we have reviewed the account, and we are happy to explain our findingsbelow.Bank records indicate that the payment due date for your VICTORIA’S SECRET account is thefirst of every month. On August 6, 2016, a statement was issued indicating a balance of $77.05,with a minimum payment of $25.00, due by September 1, 2016. On September 2, 2016, youscheduled a same day payment of $77.05 to be withdrawn from your personal checking account.As the payment was not received by the September 1, 2016, due date; a late fee and financecharge were assessed, pursuant to the terms and conditions of the Credit Card Agreement (CCA).Bank records indicate that on September 5, 2016, a statement was issued indicating a balanceof $25.00, with a minimum payment of $25.00, due by October 1, 2016. As no payment wasreceived, a late fee and finance charge were assessed.Bank records further indicate that on October 6, 2016, a statement was issued indicating abalance of $51.00, with a minimum payment of $30.00, due by November 1, 2016. As no paymentwas received, a late fee and finance charge were assessed.For your review, we have enclosed copies of the monthly billing statements, which show theaccount activity that comprised the account balance and delinquencies, which were reported tothe credit bureaus.On October 10, 2016, you contacted the Bank via a secure message requesting a late feeremoval. As a courtesy, one late fee of $25.00 was credited to your account. As no Bank errorswere found, we are unwilling to issue additional credits to the account for the late fees assessed.As of the date of this letter, the account balance is $57.00, and a minimum payment of $31.00 isdue on December 1, 2016.Please be aware that if payment is not received, received after the payment due date, or receivedfor less than the minimum payment due, the account will be assessed a late fee.We apologize for any inconvenience this matter may have caused you, and we hope you find thisinformation to be helpful. Should you have any questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT 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 opened an account on August 10, 2015. At that time you made a purchase in the amount of $36.91; however, you did not receive a credit card or a statement. You also indicate that two months later you received calls from Comenity Bank advising that you had an outstanding balance on the account. As you were unfamiliar with Comenity Bank, you called LANE BRYANT to verify that the Bank was associated with the account, and confirmed that Comenity Bank finances LANE BRYANT credit cards. Upon receiving a follow up call from the Bank, you advised the representative that you did not receive your credit card, nor statements, for this account. You set up a payment for $35.00, and believed the balance was paid in full. However, on June 9, 2016, you received a letter from the Bank with an offer to settle the account balance if you made a payment of $251.18. You are requesting to have all remaining fees removed from the account, and your credit file updated, due to the non-receipt of statements. I am happy to share my findings with you. On July 6, 2016, I tried to reach you via telephone using the number ending in [redacted], to discuss this matter with you. Unfortunately, my attempt was unsuccessful. Please be assured that I listened to the call in question regarding the payment of $35.00. During this call you stated that you wanted to make a payment on your account in full, and you thought the payment was around $35.00. At that time, the Bank representative advised you that the minimum payment was $35.00, and the late fee would be removed. Additionally, you advised the representative that you did not receive your statements, or your credit card, and you were transferred to our customer care department to request another credit card be issued to you. After a thorough review of the account, there is no indication of your mail being returned to the Bank. At the time of the $35.00 payment, the full balance on the account was $36.91; therefore, this left a small balance on the account of $1.91 which, due to payments not being received, caused late fees and finance charges to be assessed to the account. After a thorough review of the account, we found no Bank errors, and our records did not indicate that your statements were returned to the Bank as undeliverable. As a courtesy, credits totaling $251.18 were issued to the account for the fees that were assessed due to non-receipt of statements. As of the date of this letter, the balance on the account is zero. Additionally, please be advised that the credit limit has been reinstated to the original credit limit of $750.00, and I have reissued your credit card under separate cover. Please allow 7 to 14 business days for your credit card to arrive. Please be assured that notification has been sent to the national credit-reporting agencies with instructions to delete the negative information reporting on the LANE BRYANT account from your credit bureau report. Please allow up to 45 days for this information to reflect in their records. We hope you find this information helpful, and we sincerely apologize for any frustration or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
I am asking for assistance to reverse a late fee(s)and not even one was even offered in your letter of response. I understand I have been late there was no discrepancy there, however I am asking since you guys have dedicated customers such as myself, that it would be a nice gesture to be able to reverse late fees even if it's just one and of offered a grace period time online to pay your bill on the actual due date it cuts off at 5pm, but of course I wasn't even offered that from corporate. Even [redacted] helps their customers out and give some better assistance. Also I am aware of my balance.
Regards, [redacted]
Dear Mr. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Pier 1 imports® credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention, and I...
appreciate the opportunity to respond to your concerns. We understand from your complaint that you scheduled two payments on our Account Center website and you did not receive a confirmation. Later, in March 2016, you received a telephone call advising that your payment for December 2015 and January 2016 was late. You state that you never received a notice by mail or telephone before your account was reported to the credit-reporting agencies as late. You are requesting that we remove the delinquency that was reported or provide you with a letter so that you can contact the credit bureaus about this error. Additionally, you have concerns that Account Center does not offer a repeated automatic debit feature. We apologize for any inconvenience this matter may have caused you. After a review of your account, our records indicate that your account was registered on our online Account Center on May 29, 2014, using [redacted] Statement ready email notifications have been sent to your email address and the Bank has no record of any of the statement ready emails being returned as undeliverable. Your monthly billing statements are your notification that a payment is due and also advises you if your account is past due and when the last payment was received. At this time, Comenity Bank does not offer autopay for your Pier 1 imports® credit card. Please be advised that if the option becomes available in the future, you will be notified either via your monthly billing statement or Account Center. For the time being, we suggest you contact your banking institution for autopay options. On April 27, 2016, the late fee for $35.00 was credited to your account. Please be assured that we have removed the remaining $25.00 late fee from your account. In addition, notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment information that was reported for February 2016. Please allow the credit-reporting agencies 45 days to update their records. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced credit card account. Comenity Capital Bank issues the My BJ's Perks® World for Business credit card. We are here to answer your questions and assist with your concerns. In regard to your account...
being closed, the Bank sent a letter on December 1, 2016, advising the account had been closed, due to continued security concerns involving the account. A copy of this correspondence is enclosed with this letter. Please note the Credit Card Agreement gives us the right to close an account at any time, for any reason. We respectfully decline your request to reopen the account. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M[redacted]
Comenity Bank (Bank) has received correspondence regarding the above-noted 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. We understand from your complaint that you...
received a duplicate dispute form, after you already submitted the original documentation requested to Comenity Bank. We apologize for the inconvenience you have experienced regarding this matter. On January 12, 2017, a dispute form was sent to you requesting additional information to research your dispute. On January 23, 2017, during your conversation with the Bank you advised that you had not received the dispute form that was previously sent; therefore, a second dispute form was sent. Please be assured that we have received all of the pertinent information to investigate your dispute. In addition, a response was sent to you on March 31, 2017, advising that you were not responsible for the disputed amount of $199.99. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. Sincerely,
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Wayfair Card credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you opened a Wayfair Card account...
with a credit limit of $4,500.00. You state that you continue to pay your bill; and that you only skipped a payment or two. Due to this matter the credit limit was decreased to $3,100.00 and every time that you make a payment the balance does not decrease. You request an adjustment to the account, as you make $109.00 payments to the account each month. I am happy to share my findings. Bank records indicate the account was opened May 16, 2016, with a credit limit of $4,500.00. The credit limit was decreased to $3,100.00 on November 24, 2016, as the account was past due for more than one consecutive billing period. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Our records further indicate that from September 2016 through June 2017, excluding the months of February 2017 and March 2017, the minimum due amount was not met: which caused a late fee to be assessed to the balance each month. Although, you were making a payment of $109.00, with the applicable finance charge and late fee assessed, the balance increased. We suggest that you review your monthly billing statement to ensure that the minimum payment required is met each month. This will allow the balance to decrease over time. As of the date of this letter, the account has a valid balance of $3,107.33, with a minimum payment of $218.00 due by July 20, 2017. No billing adjustment is due at this time. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. Sincerely, Kaija Marshall Compliance Dept. – Consumer Responses cc: Revdex.com
Actually I did tell you what I wanted from this company... They claimed that taking phone numbers of family members and harassing them to get me to contact them is legal. I could see this being possible if I had given more than one contact number on my account. My number was and has only been the number on my account. By them contacting my father on his personal cell phone at 6:50am is absolutely an invasion of privacy. I will take legal action if they cannot provide me in writing the "law" that claims they are able to harass family to reach me.
Dear Mr. [redacted]We received your complaint, addressed to the Revdex.com regarding the abovereferencedaccount. Comenity Capital Bank issues Virgin America Visa@ accounts, and werespond to all account-related inquiries. Your complaint was forwarded to my attention forreview, and I...
appreciate this opportunity to assist you.I understand from your complaint that there is a derogatory mark regarding a Virgin AmericaVisa@ account, appearing an your credit bureau report. You state that you were informed thatyour card was compromised resulting in the necessity for you to receive a new card andaccount number. This shift in account numbers caused a disruption in your auto-pay thoughyour consumer bank, in addition your emailed statements were being labeled as spam.Ultimately the account was reported to the credit bureaus as 30 days delinquent. You wouldlike the negative reporting removed. We apologize for any inconvenience this matter may havecaused you.We currently show you as an authorized buyer on the above-noted account. As such, we areunable to honor your request to remove the reported delinquency as all account changerequests must come directly from the primary account holder. Please note we have respondeddirectly to the primary account holder regarding this issue.We hope you have found this information to be helpful. Should you have any additionalconcerns please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.
We received your complaint, addressed to the Revdex.com, regarding your fullbeauty® creditcard account. Comenity Bank issues fullbeauty® credit card accounts, and we respond to all accountrelatedquestions. Your complaint was forwarded to my attention, and I appreciate the opportunity to...
assistyou.We understand from the complaint that you were behind on your payments, and that your first paymentarrangement did not go through because the person you spoke with did not process your arrangementcorrectly. When you called to discuss an additional payment arrangement, you were advised it was toolate, and that you needed to make a $200.00 payment or the account would go to collections. This debt isnow paid in full, but it is reporting to the credit bureaus as an unpaid debt. You are requesting that yourcredit bureau information be updated to paid in full.We understand your concerns, and sincerely apologize for any inconvenience this matter may have causedyou.We have reviewed the concerns in your complaint, as well as the applicable telephone conversations. Weapologize if you felt you did not receive the best customer service. We never intend to treat our customersin a less-than-satisfactory manner. We are committed to providing the best customer service and aredisappointed when a customer feels this standard was not met. We were able to confirm that you didreceive misinformation from our collection representatives in regards to the hardship program.In the interest of customer service, because the account was written off before the settlement wascompleted, the Bank has submitted notification to the credit-reporting agencies to have the abovereferencedaccount deleted, in its entirety, from your credit report. Please allow up to 45 days for thisinformation to be updated by the credit reporting agencies.We value you as a customer, and hope you find this information to be helpful. If you have any furtherquestions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.
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 [redacted] We recently received an additional complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related inquiries. I appreciate the opportunity to assist you. I understand your concerns as indicated in your complaint, and I apologize for any continued frustration or inconvenience you may be experiencing because of this matter. Thank you taking the time to speak with me on April 17, 2015, regarding this matter. Please understand that Comenity Capital Bank and HSN are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping. On your behalf, we contacted HSN, in regard to the purchases applied to the credit card account; in addition to, your telephone conversations with their Internet Order Inquiries department on February 15, 2015, March 4, 2015, March 12, 2015, and March 16, 2015. Unfortunately, HSN keeps a record of their telephone calls for 30 days; therefore, due to the length of time that has passed since these telephone calls took place, transcripts of these calls are not available. However, HSN was able to confirm that correspondence was emailed to you at [redacted] on April 3, 2015, indicating that they do not have access to your credit card statements and/or account balances with Comenity Capital Bank. On that same day, HSN confirmed there was one remaining Flex Pay payment in the amount of $15.99 for the JOY & IMAN 22-Section Luxe Genuine Leather Handbag & Watch Majestic Purple order. This payment was scheduled to be charged to your HSN credit card account on April 6, 2015. For your review, we have enclosed a copy of the order details provided by HSN: including purchases and returns applied to the credit card account from January 7, 2015, through March 26, 2015. Furthermore, HSN records indicate that [redacted]s last transaction was not applied to your HSN credit card account. Based upon the information provided by HSN, the Bank finds the account balance on your March 2015 statement to be valid. Should you have any further questions regarding this matter, please contact HSN’s corporate office directly at ###-###-####, or you may write to, HSN, [redacted] Lastly, we have enclosed a copy of the original resolution letter for your records, as our position remains unchanged. As of the date of this letter, the account balance is zero, and the HSN credit card account was permanently closed, per your request. We hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Once again, Comenity claim to have sent me a letter, which I never received. That will be the seventh letter that Comenity claim USPS have failed to deliver. I do not believe USPS lost a single one. They also state:" On April 24, 2017, the Bank submitted a request to the credit reporting agencies for the Trek credit card account to be deleted from your credit bureau report. When this request is made it may take up to 45 business days to be completed. "That was 57 days ago. Neither Trans-union nor Experian have removed the adverse entry.What I would like to have heard from Comenity is why they entered the adverse entry to my credit report before before they had investigated the matter thoroughly, and what steps they plan to take going forward to ensure other non-customers are not inconvenienced and financially out of pocket as a result of their failure to investigate matters properly. Would they have responded at all unless Revdex.com prompted them to do the right thing?
Regards, [redacted]
Dear Mrs. [redacted] We received your complaint, addressed to the Revdex.com. Comenity Bank issues The RoomPlace credit cardaccounts, and we respond to account-related questions. Your correspondence was forwarded to myattention, and I appreciate the opportunity to...
respond to your concerns. We understand your concerns as explained in the complaint. Bank records show that The RoomPlace accountis solely listed in the name of [redacted]. Because of this, the Bank is unable to discuss or release accountinformation to another party without Mr. [redacted]’s permission. Please be advised that we have sent a response to [redacted] directly regarding theaccount. We hope this information is helpful. Shouldyou have any other questions or concerns regarding this account, please feelfree to contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy toassist you. Sincerely,[redacted] [redacted]Consumer Relations Specialist ell us why here...
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Torrid credit card. We are here to answer your questions andassist with your concerns.We understand from your correspondence, submitted to the Better Business...
Bureau, that youreturned all items that were ordered and a refund was to be posted to your account. You stateyou spoke to a representative to verify the merchandise was received and asked if there wouldbe a balance due after all merchandise was refunded. At that time you were advised they couldnot tell you and that it would take three days for the return to post to the account. You also stateyou asked if there would be a late fee assessed to the account and were advised there would notbe. On May 30, 2017, you received a statement with a late fee assessed to the account. At thattime you reached out to the Bank requesting that the late fee be removed from your account. Youwere advised that the account was not eligible for a late fee removal. You are requesting the latefee, and small interest fee be removed and the account closed.Please note Torrid and Comenity Bank are two separate entities. The Bank issues and isresponsible for addressing questions related to your credit card account. Torrid is responsible forhandling matters related to sales, merchandise processing, returns and shipping.We have reviewed the concerns in your complaint as well as communication with the Bank.Please be assured that I listened to the call in question that was placed to the Bank on May 31,2017. During this call you requested the late fee removed. You stated you spoke to arepresentative earlier in the month and were advised you would not be assessed a late fee. Atthat time the representative advised you there was no record of a previous call to the Bank. Weconfirmed you communicated with the Bank via the Bank’s online Account Center. Bank recordsindicate when responding to your question about a late fee the Bank advised a late fee had notbeen billed to your account, and if a late fee was on your next billing statement to contact us tosee if the late fee was eligible to be removed. During the call on May 31, 2017, the Bankrepresentative advised possibly you spoke to Torrid customer service regarding this matter andyou said, yes, that is who you called. The Bank representative advised you due to a previous latefee credit, another late fee could not be removed from the account.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.Please understand that we are unwilling to credit your account any additional late fees or financecharges at this time, as the fees are valid.Please be advised, per your request the account was closed on June 5, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee S[redacted]
Dear Ms. [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Hot Topic credit card. We are here to answer your questions and assist with your concerns. ...
Your correspondence indicates you received a voice mail in which the representative requested your legal representation, and advised of the commencement of action against you. As you were unaware of who was calling or why, you felt immediately threatened. You further state the only account you have with the Bank is a Hot Topic card which is in current standing. Our records indicate the above-referenced Hot Topic account was opened on December 19, 2015. The last purchase of $62.30 posted to the account on August 11, 2016, and the last payment of $100.00 was received on July 29, 2016. As of today’s date, the account balance is $435.65, and the account is five billing periods past due. When an account is delinquent, we will make attempts to contact the customer 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. We have reviewed the message left for you. Please note this message was not an attempt to threaten you; but rather, it was an effort to prompt you to contact the Bank in order to help prevent your account from falling further into delinquency. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. We understand customers may experience difficulty making their payments due to economic factors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Long-Term Customer Workout Program. These programs can provide customers with special terms in order to help bring the account current. If you are interested in obtaining information on whether you qualify for one of these programs, please call ###-###-####. Also, 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 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 ###-###-####. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Laura R[redacted]
Voice message from consumer stating issue resolved, business sent him a check.
Dear Ms. [redacted] We are in receipt of your complaint , regarding the above-referenced account. Comenity Bank issues wayfair credit card accounts and we respond to all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate...
the opportunity to respond to your concerns. In your complaint you state, unbeknownst to you, Comenity Bank charged your wayfair credit card account $550.09 twice. In the attempt to pay your balance off in full, you overpaid your wayfair account by $550.09. You are requesting Comenity Bank refund you the overage of $550.09 in an expeditious manner. Comenity Bank would like to apologize for the inconvenience and frustration this matter may have caused you. Please be assured, we have reviewed the issues in your complaint as well as the applicable telephone conversation, and would like to share our findings. The wayfair credit card account was opened on March 14, 2016. On March 14 and 17, 2016, the following purchases posted to the account: 1. Wayfair order number – [redacted] totaling - $367.32 – March 14, 2016 2. Wayfair order number – [redacted] totaling - $550.09 – March 17, 2016 Bringing your account balance to $917.41. A mail order return posted to the account on April 7, 2016, in the amount of $54.05. Which reduced your balance from $917.41 to $863.36. Finance charges totaling $51.60, posted to your account, increasing your balance from $863.36 to $914.96. In addition, payments posted to your account on April 14, 2016, in the amount of $100.00, May 1, 2016, in the amount of $82.00, June 14, 2016, in the amount of $100.00, and $632.96, on July 11, 2016, reducing your balance to zero. On August 4, 2016, a mail order sale, order# [redacted] totaling $550.09, posted to your wayfair account, however, on August 10, 2016, the full amount was credited back to your account, an your balance reflected a zero balance. Please note, while a dispute is being investigated, a temporary credit for the disputed amount will appear on the account, and on your billing statement as a “provisional credit”. You will see the credit for $550.09, removed on your next monthly billing statement. At this time, Comenity Bank respectfully declines your request to receive a refund in the amount of $550.09, as this credit was a “provisional credit”, until the billing dispute request had been resolved. I hope you find this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Geanine M[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Ann Taylor Mastercard credit card. We are here to answer your questions andassist with your concerns.We understand from your correspondence submitted, to the Revdex.com,...
that you received athreatening call from a collection agency hired by Comenity Bank from a restricted number and the accountwas not over 30 days old. You requested a statement as you have not received one and the representativerefused to send it. You paid the balance plus a late fee. You state that you opened the account andpresented another credit card and thought the purchase would be on that credit card. You state that due tonon-receipt of the statement you were unaware of how to pay the balance. You are requesting the Bankensure that statements are mailed to consumers before collectors make threats.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.When an account is delinquent, we will attempt to make contact regarding the status of the account.When payments are not received, are made for less than the minimum required, or are received after thedue date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement.After a review of the account, our records indicate the account was opened on December 31.2017, on thatsame day a purchase of $80.29 was placed on the account. On January 7, 2018, a statement was issuedwith a balance of $80.29 and a minimum payment of $30.00 due on February 2, 2018. A payment of $108.98was received on February 11, 2018, as this payment was after the due date, a late fee of $27.00 and afinance charge of $1.69 were assessed to the account.On February 4, 2018, a statement was issued with a balance of $108.96 and a minimum payment of $37.00due on March 2, 2018. Enclosed are the statements for your records.Additionally, our records indicate the statements were mailed to the address above. Please be advised thatthe Bank has not received information from the USPS that the mail was undeliverable.In regard to the restricted number, the Bank does not always have full control of the information that isdisplayed on your caller ID. Caller ID information may vary by phone number; for example, your phoneservice carrier may have limitations on what information is passed through to your caller ID.As of the date of this letter, your balance is zero and the account was closed per your request on February10, 2018.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Catherines credit card accounts. We are here to answer your questions and assist with your concerns.Your correspondence states that you purchased two pairs of...
tights around April 2016 and placed the purchase on your account. You further state that you did not receive a statement until six months later with fees assessed to your account. You state that you made a payment for the original purchase amount and feel the fees should be waived since you did not receive your statements. You are requesting that the Bank waive the fees on the account. We understand your concerns and apologize for any inconvenience or frustration this matter may have caused you.Bank records indicate that a payment of $17.07 was received on October 27, 2016. However, as a result of payments not being received for the months of July-September 2016, late fees were assessed to your account. Furthermore, your payment of $17.07, received on October 27, 2016, was less than the required payment; therefore, it did not bring your account current. As a result of your account falling seven billing periods past due, your account was permanently closed, written-off, and reported to the national credit-reporting agencies as an unpaid debt. Furthermore, on March 27, 2017, your account was sold to [redacted]The Bank is not holding you responsible for the balance and we are in the process of purchasing the account back. Once the process is complete, we will issue credits for any late fees and finance charges to bring the account to a zero balance. We will also submit a request to the credit reporting agencies to delete the account from your credit file.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we arehere to assist you with account-related questions. Your complaint was forwarded to my attention,and...
I appreciate the opportunity to respond to your concerns.We understand the concerns noted in your correspondence, regarding the late fees which wereassessed to your account. You indicate that you paid your balance in full on the first of the monthand the Bank keeps charging you late fees. One late fee has been removed; however, yourequest the Bank remove all of the charges as you claim they are fraudulent.Please be assured that we have reviewed the account, and we are happy to explain our findingsbelow.Bank records indicate that the payment due date for your VICTORIA’S SECRET account is thefirst of every month. On August 6, 2016, a statement was issued indicating a balance of $77.05,with a minimum payment of $25.00, due by September 1, 2016. On September 2, 2016, youscheduled a same day payment of $77.05 to be withdrawn from your personal checking account.As the payment was not received by the September 1, 2016, due date; a late fee and financecharge were assessed, pursuant to the terms and conditions of the Credit Card Agreement (CCA).Bank records indicate that on September 5, 2016, a statement was issued indicating a balanceof $25.00, with a minimum payment of $25.00, due by October 1, 2016. As no payment wasreceived, a late fee and finance charge were assessed.Bank records further indicate that on October 6, 2016, a statement was issued indicating abalance of $51.00, with a minimum payment of $30.00, due by November 1, 2016. As no paymentwas received, a late fee and finance charge were assessed.For your review, we have enclosed copies of the monthly billing statements, which show theaccount activity that comprised the account balance and delinquencies, which were reported tothe credit bureaus.On October 10, 2016, you contacted the Bank via a secure message requesting a late feeremoval. As a courtesy, one late fee of $25.00 was credited to your account. As no Bank errorswere found, we are unwilling to issue additional credits to the account for the late fees assessed.As of the date of this letter, the account balance is $57.00, and a minimum payment of $31.00 isdue on December 1, 2016.Please be aware that if payment is not received, received after the payment due date, or receivedfor less than the minimum payment due, the account will be assessed a late fee.We apologize for any inconvenience this matter may have caused you, and we hope you find thisinformation to be helpful. Should you have any questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT 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 opened an account on August 10, 2015. At that time you made a purchase in the amount of $36.91; however, you did not receive a credit card or a statement. You also indicate that two months later you received calls from Comenity Bank advising that you had an outstanding balance on the account. As you were unfamiliar with Comenity Bank, you called LANE BRYANT to verify that the Bank was associated with the account, and confirmed that Comenity Bank finances LANE BRYANT credit cards. Upon receiving a follow up call from the Bank, you advised the representative that you did not receive your credit card, nor statements, for this account. You set up a payment for $35.00, and believed the balance was paid in full. However, on June 9, 2016, you received a letter from the Bank with an offer to settle the account balance if you made a payment of $251.18. You are requesting to have all remaining fees removed from the account, and your credit file updated, due to the non-receipt of statements. I am happy to share my findings with you. On July 6, 2016, I tried to reach you via telephone using the number ending in [redacted], to discuss this matter with you. Unfortunately, my attempt was unsuccessful. Please be assured that I listened to the call in question regarding the payment of $35.00. During this call you stated that you wanted to make a payment on your account in full, and you thought the payment was around $35.00. At that time, the Bank representative advised you that the minimum payment was $35.00, and the late fee would be removed. Additionally, you advised the representative that you did not receive your statements, or your credit card, and you were transferred to our customer care department to request another credit card be issued to you. After a thorough review of the account, there is no indication of your mail being returned to the Bank. At the time of the $35.00 payment, the full balance on the account was $36.91; therefore, this left a small balance on the account of $1.91 which, due to payments not being received, caused late fees and finance charges to be assessed to the account. After a thorough review of the account, we found no Bank errors, and our records did not indicate that your statements were returned to the Bank as undeliverable. As a courtesy, credits totaling $251.18 were issued to the account for the fees that were assessed due to non-receipt of statements. As of the date of this letter, the balance on the account is zero. Additionally, please be advised that the credit limit has been reinstated to the original credit limit of $750.00, and I have reissued your credit card under separate cover. Please allow 7 to 14 business days for your credit card to arrive. Please be assured that notification has been sent to the national credit-reporting agencies with instructions to delete the negative information reporting on the LANE BRYANT account from your credit bureau report. Please allow up to 45 days for this information to reflect in their records. We hope you find this information helpful, and we sincerely apologize for any frustration or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]