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,
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Roaman's credit card accounts. We are here to answer yourquestions and assist with your concerns.In your correspondence you state you were offered 90 days to pay...
on your purchase. You havebeen assessed late fees. You contacted the Bank and were given a refund, however your creditscore has dropped due to the account being reported as past due. You would like all the feesremoved, your credit updated and the 90 days to pay honored on your purchase.We reached out to Roaman’s on your behalf. There records indicate that your order containedtwo different coupons; one a 30% discount, and the other was free shipping. Your order was neverplaced on deferred billing, and will remain on regular revolving.We understand your concern regarding your credit report. We have verified we are reporting theaccount correctly to the credit reporting agencies as we are required by law.Please be advised, you have a minimum payment of $5.00 due by November 13, 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,Alyson F[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the Talbots, Wayfair Card, west elm, and Ann Taylor credit cards. We are here to answer your questions and assist with your concerns. Your...
correspondence, submitted to the Revdex.com, indicates your fiancé was contacted by the Bank regarding your account. You do not understand how we obtained your fiancé’s number, or why we would call your fiancé, as you do not have accounts together. Additionally, you state that during conversations with the Bank, you received rude treatment. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. We want you to have a positive customer experience with the Bank, and we have updated your phone numbers ending in [redacted], and [redacted] with “Do not Call” instructions. Regarding the call placed to your fiancé; when the Bank has been unable to reach our customer, we will utilize various resources to obtain contact information where the customer may be reached. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted]
Business provide updated response and will delete credit inquiries so I accept the solution. Thank you for Revdex.com I truly appreciated.Thank you again.
Dear [redacted] Thank you for contacting Comenity Bank. As the bank that issues Christopher & Banks credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate...
the opportunity to assist you. We are also in receipt of your correspondence submitted to the the Consumer Financial Protection Bureau (CFPB) regarding this same matter. Please find enclosed a copy of our response sent to you on September 25, 2015. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY (###-###-####). I will be happy to assist you. Sincerely,Lauren S[redacted]_____________________________________________________________________...⇄
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Gander Mountain Mastercard credit card. We are here to answer your questions and assist with your concerns.In the correspondence, you state you were billed for products that weren’t...
received, and the company did not allow you to cancel within 15 days. You completed multiple forms in an attempt to resolve your concern, yet the charges were not credited. You would like a reimbursement of $371.92, plus applicable finance charges.We understand your concern regarding the merchandise that was not received. After careful review of our records, we would like to assure you that we have credited your account for $185.96 for the two orders billed May 5, 2017, that were not received. Per your correspondence of July 7, 2017, the other items were received on May 8, 2017; therefore, the finance charges are valid.After the credit, the balance on your account is $120.03.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,Nicole FCompliance Dept. – Consumer Responses
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]
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Younkers credit card. We are here to answer your questionsand assist with your concerns.We understand that you have contacted our Customer Service Department to request your refundand were told that due to the dispute not being resolved, they were unable to issue the refund toyou.We apologize for the inconvenience that you have encountered, please be advised that we haveverified that your dispute has been closed, and have issued the refund check in the amount of$202.45, which has been mailed separately.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the LOVELOFT credit card account. We are here to answer yourquestions and assist with your concerns.You state you were charged for an online purchase in May...
that you did not make. You have calledmultiple time to get the transaction removed and have not received a resolution. This purchasehas had fees added, and you are afraid this is going to affect your credit. You would like thecharge removed and the late fees waived.We received your dispute on September 29, 2017, in the amount of $114.97 for an onlinepurchase. Please be assured our dispute resolution team is currently working to resolve yourdispute. Please also be aware, dispute investigations may take up to ninety days to complete.Upon completion of our investigation, we will notify you of our findings by mail. We appreciateyour patience while we conduct our investigation.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[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
We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues the roomplace® credit card accounts, and we respond to 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 have documentation from the roomplace that a credit was issued to your account and you have contacted the Bank and have not been able to receive any assistance regarding this matter. You are requesting that you receive the credit you were promised from the roomplace regarding damage property that was picked up from your home a month ago. We apologize for the inconvenience you have experienced due to this situation. Please be advised that a credit of $197.73 was applied to your account on September 16, 2016. An additional credit of $150.00 was applied to your account on October 19, 2016. With these adjustments you have a credit balance of $13.59. A refund check has been requested, and should be received within 14 days. 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] Consumer Relations Specialist CC: Revdex.com
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] 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 [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]
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 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 Ms. [redacted]We received your additional complaint, addressed to the Revdex.com,regarding your Simply Be credit card account. Comenity Capital Bank issues Simply Becredit card accounts, and we respond to all account-related questions. Your complaintwas forwarded to my attention, and I appreciate the opportunity to assist you.You state that there has not been any resolution to your previous complaint, and that youhave written both the Bank and Simply Be. Furthermore, you state that you have notreceived a call or bill from the Bank when ordering through Simply Be. When your firstcomplaint was sent to the Revdex.com the collection activity stopped, but nowyou are receiving further calls and you feel this is harassment.In your original complaint you stated that you only received part of your order. Youadvised us that you have attempted to resolve this on multiple occasions and wereunsuccessful. You requested that the late fees and finance charges on the account stop.Please find enclosed our response that was sent to you on May 31, 2016, explaining ourfindings. In this response we advised you to contact Simply Be directly as they confirmedall of the merchandise you ordered has been shipped to your address. Also, we providedyou a breakdown of the account activity which lead to collection calls.Please understand when an account is delinquent, we will make attempts to contact thecustomer regarding the status of the account. Many times a payment is overlooked bythe 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 remainsdelinquent, we may call until our attempt to communicate is successful.We have sent billing statements to your address, as shown above, each month. Pleasebe advised that we have no record of statements being returned to the Bank asundeliverable. Please find the enclosed copies of the statements for your records.Additionally, please be advised that the first billing statement, issued on December 9,2015, indicated a balance of $46.46 with a minimum payment of $25.00 due by January4, 2016. This balance included a charge of $23.94 for the briefs, and $22.52 for the bra.Please be advised that Simply Be states that all merchandise ordered was shipped toyour address. As stated in our previous response, the shipping option chosen at the timeof placing the order was an untracked shipping method; therefore, the packages cannotbe tracked. We understand that you state you never received the bra. Please be advisedthat this item was not credited to your account. When you initiated the dispute aprovisional credit was placed on your account for the disputed amounts. Since the itemswere shipped out and you were advised to contact Simply Be for non-receipt ofmerchandise, the provisional credits were reversed.Please contact Simply Be corporate office directly at ###-###-####, for furtherassistance in regard to this matter. They will be happy to assist you.We apologize for any frustration or inconvenience this matter may have caused you, andwe hope that you find this information to be helpful. If you have any further questionsabout the account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY [redacted]Sincerely,Diamond L[redacted]
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.
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,
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Roaman's credit card accounts. We are here to answer yourquestions and assist with your concerns.In your correspondence you state you were offered 90 days to pay...
on your purchase. You havebeen assessed late fees. You contacted the Bank and were given a refund, however your creditscore has dropped due to the account being reported as past due. You would like all the feesremoved, your credit updated and the 90 days to pay honored on your purchase.We reached out to Roaman’s on your behalf. There records indicate that your order containedtwo different coupons; one a 30% discount, and the other was free shipping. Your order was neverplaced on deferred billing, and will remain on regular revolving.We understand your concern regarding your credit report. We have verified we are reporting theaccount correctly to the credit reporting agencies as we are required by law.Please be advised, you have a minimum payment of $5.00 due by November 13, 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,Alyson F[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the Talbots, Wayfair Card, west elm, and Ann Taylor credit cards. We are here to answer your questions and assist with your concerns. Your...
correspondence, submitted to the Revdex.com, indicates your fiancé was contacted by the Bank regarding your account. You do not understand how we obtained your fiancé’s number, or why we would call your fiancé, as you do not have accounts together. Additionally, you state that during conversations with the Bank, you received rude treatment. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. We want you to have a positive customer experience with the Bank, and we have updated your phone numbers ending in [redacted], and [redacted] with “Do not Call” instructions. Regarding the call placed to your fiancé; when the Bank has been unable to reach our customer, we will utilize various resources to obtain contact information where the customer may be reached. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted]
In phone communication to Revdex.com, consumer stated the complaint is solved, money was sent back to her debit account.
Business provide updated response and will delete credit inquiries so I accept the solution. Thank you for Revdex.com I truly appreciated.Thank you again.
Dear [redacted] Thank you for contacting Comenity Bank. As the bank that issues Christopher & Banks credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate...
the opportunity to assist you. We are also in receipt of your correspondence submitted to the the Consumer Financial Protection Bureau (CFPB) regarding this same matter. Please find enclosed a copy of our response sent to you on September 25, 2015. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY (###-###-####). I will be happy to assist you. Sincerely,Lauren S[redacted]_____________________________________________________________________...⇄
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Gander Mountain Mastercard credit card. We are here to answer your questions and assist with your concerns.In the correspondence, you state you were billed for products that weren’t...
Compliance Dept. – Consumer Responses
received, and the company did not allow you to cancel within 15 days. You completed multiple forms in an attempt to resolve your concern, yet the charges were not credited. You would like a reimbursement of $371.92, plus applicable finance charges.We understand your concern regarding the merchandise that was not received. After careful review of our records, we would like to assure you that we have credited your account for $185.96 for the two orders billed May 5, 2017, that were not received. Per your correspondence of July 7, 2017, the other items were received on May 8, 2017; therefore, the finance charges are valid.After the credit, the balance on your account is $120.03.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,Nicole F
Good Morning,Due to continued research I will need an extension on complaint ID [redacted]Thank you,
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]
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Younkers credit card. We are here to answer your questionsand assist with your concerns.We understand that you have contacted our Customer Service Department to request your refundand were told that due to the dispute not being resolved, they were unable to issue the refund toyou.We apologize for the inconvenience that you have encountered, please be advised that we haveverified that your dispute has been closed, and have issued the refund check in the amount of$202.45, which has been mailed separately.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the LOVELOFT credit card account. We are here to answer yourquestions and assist with your concerns.You state you were charged for an online purchase in May...
that you did not make. You have calledmultiple time to get the transaction removed and have not received a resolution. This purchasehas had fees added, and you are afraid this is going to affect your credit. You would like thecharge removed and the late fees waived.We received your dispute on September 29, 2017, in the amount of $114.97 for an onlinepurchase. Please be assured our dispute resolution team is currently working to resolve yourdispute. Please also be aware, dispute investigations may take up to ninety days to complete.Upon completion of our investigation, we will notify you of our findings by mail. We appreciateyour patience while we conduct our investigation.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[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
We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues the roomplace® credit card accounts, and we respond to 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 have documentation from the roomplace that a credit was issued to your account and you have contacted the Bank and have not been able to receive any assistance regarding this matter. You are requesting that you receive the credit you were promised from the roomplace regarding damage property that was picked up from your home a month ago. We apologize for the inconvenience you have experienced due to this situation. Please be advised that a credit of $197.73 was applied to your account on September 16, 2016. An additional credit of $150.00 was applied to your account on October 19, 2016. With these adjustments you have a credit balance of $13.59. A refund check has been requested, and should be received within 14 days. 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] Consumer Relations Specialist CC: Revdex.com
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] 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 [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]
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 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 Ms. [redacted]We received your additional complaint, addressed to the Revdex.com,regarding your Simply Be credit card account. Comenity Capital Bank issues Simply Becredit card accounts, and we respond to all account-related questions. Your complaintwas forwarded to my attention, and I appreciate the opportunity to assist you.You state that there has not been any resolution to your previous complaint, and that youhave written both the Bank and Simply Be. Furthermore, you state that you have notreceived a call or bill from the Bank when ordering through Simply Be. When your firstcomplaint was sent to the Revdex.com the collection activity stopped, but nowyou are receiving further calls and you feel this is harassment.In your original complaint you stated that you only received part of your order. Youadvised us that you have attempted to resolve this on multiple occasions and wereunsuccessful. You requested that the late fees and finance charges on the account stop.Please find enclosed our response that was sent to you on May 31, 2016, explaining ourfindings. In this response we advised you to contact Simply Be directly as they confirmedall of the merchandise you ordered has been shipped to your address. Also, we providedyou a breakdown of the account activity which lead to collection calls.Please understand when an account is delinquent, we will make attempts to contact thecustomer regarding the status of the account. Many times a payment is overlooked bythe 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 remainsdelinquent, we may call until our attempt to communicate is successful.We have sent billing statements to your address, as shown above, each month. Pleasebe advised that we have no record of statements being returned to the Bank asundeliverable. Please find the enclosed copies of the statements for your records.Additionally, please be advised that the first billing statement, issued on December 9,2015, indicated a balance of $46.46 with a minimum payment of $25.00 due by January4, 2016. This balance included a charge of $23.94 for the briefs, and $22.52 for the bra.Please be advised that Simply Be states that all merchandise ordered was shipped toyour address. As stated in our previous response, the shipping option chosen at the timeof placing the order was an untracked shipping method; therefore, the packages cannotbe tracked. We understand that you state you never received the bra. Please be advisedthat this item was not credited to your account. When you initiated the dispute aprovisional credit was placed on your account for the disputed amounts. Since the itemswere shipped out and you were advised to contact Simply Be for non-receipt ofmerchandise, the provisional credits were reversed.Please contact Simply Be corporate office directly at ###-###-####, for furtherassistance in regard to this matter. They will be happy to assist you.We apologize for any frustration or inconvenience this matter may have caused you, andwe hope that you find this information to be helpful. If you have any further questionsabout the account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY [redacted]Sincerely,Diamond L[redacted]
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.