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]
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 [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]
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
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] We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues EXPRESS credit card accounts, and we are here to help answer account-related questions. Your complaint was forwarded to my...
attention and I appreciate this opportunity to address your concerns. We understand from your complaint that your due date is the 2nd of each month. You state that if you pay on this date, after a certain time, the Bank does not credit your payment until the next business day. You state that this is a way to be charged a late fee. You request a refund for the late fees totaling $74.00 from June 2, 2016, and October 2, 2016. I am happy to share my findings. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Payments made via the Account Center website must be made prior to 8 p.m. Eastern Time (ET), to be credited the same day. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you. In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted before 8 p.m. Eastern Time (ET) can be credited to your account same-day. Online payments submitted after 8 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your EXPRESS account. Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. The EXPRESS account does have the option of changing the due date. If you would like to change your due date, please contact our Customer Care team at ###-###-####, to see what dates are available. Bank records indicate that you submitted a request via our Secure Message Center on November 2, 2016, to have the $37.00 late fee from October 2, 2016, removed. In the interest of customer service, this fee was waived. In addition to, we have credited the $37.00 late fee from June 2, 2016. Please note we are unwilling to remove any additional fees regarding this matter. We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kaija M[redacted]
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
Dear Mr. [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced application. Comenity Bank issues EXPRESS credit card accounts, and we are here to help with your account-related questions. I...
appreciate this opportunity to assist you. We understand from your complaint that you received a letter from the Bank regarding a recent application. You state you contacted the Bank using the phone number provided on the letter. You were asked several questions regarding your personal information; however, you are not willing to provide more than your full name and address. You state the customer service representatives were rude and aggressive and you received no resolution on this call. We apologize for any frustration this matter has caused you. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. Please be advised when a suspicious application is received, the Bank will send a letter asking the named applicant to call. Please understand that when processing the application, the Bank had concerns; therefore, the application was suspended, and a letter was sent to you. When contacting the Bank we will ask for personal information in order to assist with the matter. Please be assured the Bank has stopped the application, and deemed it a fraudulent application. We have submitted a request to the credit-reporting agencies to remove the credit inquiry that resulted from the application. If you believe you have been a victim of fraud, we encourage you to contact the credit-reporting agencies and place a fraud alert on your credit file. The alert will notify potential creditors that you have been a victim of fraud, and you will be contacted before an application is approved. You may contact any one of the agencies listed below and they will notify the other two, so your alert will be reflected with all agencies. Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We hope this information is helpful. Should you have any further questions or concerns, please contact the Account Protection department at ###-###-#### (TDD/TTY ###-###-####). They would be happy to assist you. Sincerely, Kaija M[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues Woman Within credit card accounts, and we arehere to assist you with all account-related questions or concerns. Your complaint wasforwarded to my...
attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you had two Woman Within@ credit accounts withComenity Bank. You state that although the balance +om one account was transferred to theother account, you are now being billed for $78.03 in past due charges. You further state thatyou contacted the Bank rnuitiple times. and were told that the charges had been removed;however, a balance remained. You are requesting a letter stating that you have a zero balance,that there was a billing error, and that this will not affect your credit.Thank you for speaking with me on December 29, 2015. We have reviewed our records andare happy to share our findings. We have found that the Woman Within@ account ending in[redacted] was opened on August 3, 2002. and the Woman Within account ending in [redacted] was.opened on May 10,2003.On July 14,2015, the balance of $836.78 f m the Woman WfihinQ account ending in [redacted] wastransferred to the Woman Within@ account ending in [redacted], since this account was opened thelongest with the Bank. On December 22, 2015, the account ending in [redacted] was closed.On July 29, 2015, notification was sent to the national credit-reporting agencies, regarding theWoman Within@ account ending in [redacted] with instructions to have the account deleted fromyour credit bureau report. We can confirm that the Woman Within@ account ending in [redacted] isno longer reporting to the credit-reporting agencies.On August 11, 201 5, a deferred purchase of $81.97 was processed to the Woman Within@account ending in [redacted] items purchased on a deferred billing plan are not added to your creditcard account balance until the promotional time period is complete. When the deferred period isover, the purchase will appear on your monthly billing statement and will be added to your credifcard account balance, regardless of the account being opened or dosed.Our records indicate a billing statement was sent to you on September 7, 2015, reflecting abalance of $81.97, with a minimum payment amount of $20.00, due by October 3, 2015. As nopayment was received by October 3. 2075, a late fee and finanoe charge were assessed to theaccount, pursuant to the terms and conditions of the Credit Card Agreement.Our records further indicate that on October 31, 2015, you spoke with a Bank representativewho advised you they would transfer the purchase of $81.97 to the Woman Within@ acwuntending in [redacted]. resulting in a zero balance on the Woman Within account ending in [redacted]. Theassociate inadvertently did not credit the previously assessed late fee and finance charge; assuch, the account went three billing periods past due causing additional late fees and financecharges to be assessed.Please be assured, the Woman Within account ending in [redacted] is closed, and credits havebeen issued to provide you with a zero balance.As of the' date of this letter, the Woman Wlthim account ending in [redacted] has a balance of$1,053.96, with a minimum payment of $50.00, due by January 3, 201 6. This account is open.You are a valued customer and we apologize for any confusion or frustration this matter hascaused you. Should you have any further questions regarding your accounts, please contactme at ###-###-####, ext [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
Dear [redacted] Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Big Lots credit card. We are here to answer your questions and assist with your concerns. Your complaint states that you made a...
payment online; however, the payment was returned and you were unsure why. You further state that you attempted to make a new payment online; however, you were unable to. Therefore, you contacted our Customer Care department to make a payment; however, you were advised there was a fee to make payments by phone. Therefore, you sent your payment in; however, you were charged a late fee because the payment was received late. Furthermore, you state that your balance is more than what you purchased and you are requesting that the fees assessed to your account be waived. I understand your concerns and apologize for any confusion or frustration this matter may have caused you. Bank records indicate that on June 3, 2016, you made a purchase of $496.67. This purchase was placed on a six month deferred interest regular minimum payment required promotional plan. For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their account. Interest is accrued (calculated, but not added to the balance), and if the balance is not paid in full by the plan end date, the accrued Finance Charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balance. Bank records further indicate that on July 2, 2016, you scheduled two $30.00 payments. One was scheduled for July 4, 2016, and the other was scheduled for July 5, 2016. Please be advised that both payments were returned; therefore, a returned check fee was assessed to your account. As a result of these payments being returned, your minimum payment increased. On July 9, 2016, a statement was issued to you showing a balance of $523.67 and a minimum payment of $53.00 was due by August 4, 2016. The Bank received a payment of $30.00 on July 11, 2016, which was less than the required minimum payment. Therefore, a late fee was assessed to your account. Upon further review, Bank records indicate that for the months of October 2016, November 2016, January 2017, and February 2017, the required minimum payment was not made; therefore, late fees were assessed to your account. Please be advised 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. Comenity Capital Bank did not find any billing errors. Therefore, we are unwilling to remove any fees that were assessed to your account, as they are valid. 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] *
I got a message today regarding my complaint had not received feedback. This is the only message I am aware of on this matter. The company did send me a letter saying that my account was zero, so that is resolved to my satisfaction. I do not know if you sent me a message and I did not receive it or deleted it by accident. Regardless, I want you to know that I am happy with the out come and thank you so much for helping me in this matter.
This is a totally unacceptable response. It's your mistake that the even approved it in the first place, and you want to punish the consumer for their actions. I respectfully decline your response, as they have declined my request. Also, with all due respect, you people are incompetent, and can shove your cards. I am done doing business with you people. I don't want any further contact about this. I would like to have this marked as closed, and dissatisfied, by the Revdex.com.Regards, [redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above. Comenity Bank issues the roomplace® 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 three items purchased from the roomplace were cancelled, as they were going to arrive weeks or months after you needed them. You state that you have contacted the bank and the roomplace over and over regarding this matter and experienced long hold times. You are requesting that your account be adjusted for the cancelled items. We apologize for any inconvenience this matter may have caused you. Please note that Comenity Bank and the roomplace are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. The roomplace is responsible for handling matters related to sales, cancellations, merchandise processing, returns, and delivery. Please be assured that we have contacted the roomplace regarding your cancelled items, and a credit of $882.91 was applied to your account on July 1, 2016. With this adjustment the balance on your account is $3,303.02. We understand that you were dissatisfied with the service you received while speaking with our bank, and the roomplace. Our goal is to provide excellent customer service, and we are disappointed when this does not occur. Our management team reviews calls and inquiries of this nature, and makes appropriate recommendations for training or counseling purposes, should that be necessary. We hope you find this information helpful. If 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]
We are in receipt of your complaint regarding the above-referenced applications. Comenity Bank issues maurices, and Victoria’s Secret credit card accounts, and we respond to all account, and application-related questions. Your complaint, addressed to the Revdex.com, was...
forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint, in February of 2016 you applied for the Victoria’s Secret credit card, and in March of 2016, you applied for a maurices credit card. You advised that you never received a response regarding either application within the noted timeframe of 7-10 business days, and that later noticed your credit score had been impacted by the application submissions. You state that you contacted the Customer Care Center to resolve this matter, and you were directed to wait on your letters of approval/denial. After two weeks, and not receiving documentation regarding your application status, you then contacted Comenity Bank to address your concerns, and were advised that our records purge applications after a thirty day interval, and requested that you reapply. During this process, you advise, your credit score had been impacted due to two hard hits listed from both applications submitted. You are requesting Comenity Bank remove the maurices or all of the inquiries listed on your Credit Bureau Report, and a full explanation from Comenity Bank advising why you did not receive information regarding your approval or denial for the application you submitted, and valid confirmation advising if you were approved or denied for the maurices/Victoria’s Secret credit cards.Comenity Bank would like to apologize for the inconvenience and frustration this matter may have caused you. Please be assured, Comenity Bank completed a thorough investigation of your complaint, and would like to share our findings. Bank records indicate your Victoria’s Secret application had a keying error in which the application did not list a valid address; therefore, the credit bureau was unable to accurately read the information when the application was submitted. As such, Comenity Bank was unable to process your application or make a decision to approve or deny it, we were also unable to mail a response to the application without a valid address.Regarding the application for the maurices credit card; bank records indicate this matter has been investigated and a response dated March 6, 2016, was previously issued to the following address listed on the application: [redacted]
[redacted] Please note, due to the matters addressed in the prior correspondence, your application for a maurices credit card was declined. I have enclosed a copy of the previous response for your review. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. At this time, Comenity Bank finds the inquiries to be valid; therefore, we are unwilling to delete the inquiries from your credit report. Please note, to dispute this matter further, please contact the credit reporting agencies directly at the address/phone numbers listed below:I hope you 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 would be happy to assist you. Sincerely,Geanine M[redacted]Consumer Relations Specialist
Is it possible to still respond to this complaint? I apparently missed your first message. I apologize. The issue was taken care of to my satisfaction and I would like the complaint to show as such. Please advise. Thank you, [redacted]
Comenity Bank was the one who entered into agreement with American Laser Skincare to handle their financing. They are telling me seek repayment by American Laser Skincare and aren't taking responsibility. Comenity Bank continued to collect payments after American Laser closed its doors, and I am in contact with many people who have been reimbursed the money they sent to Comenity Bank to pay off their American Laser Skincare accounts. Comenity sent the other people checks, not American Laser, who has since filed for bankruptcy. If this division of Comenity Bank is denying responsibility and putting the blame on the other division of the bank, then they need to put me in contact with the correct person, in the correct department at Comenity Bank, so that I can get my money refunded.
Regards,
[redacted]
With regards to late fee. The payment was made on time. The minimum amount required was MORE than the amount due because of the credit applied. It should be clear to you that it is UNREASONABLE to charge a $32 dollar late fee on a payment that was MADE ON TIME for a .56 cent error.
Regards, [redacted]
They are lying. The full amount due was paid in the first, they didn't take it out until the second which is not my fault. That's why the late fees are fraudulent. If they decide not to take my payment out the day I pay it that is on them and not me.
Regards, [redacted]
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]
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
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.
Good Morning,Due to continued research I will need an extension on complaint ID [redacted]Thank you,
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
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] We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues EXPRESS credit card accounts, and we are here to help answer account-related questions. Your complaint was forwarded to my...
attention and I appreciate this opportunity to address your concerns. We understand from your complaint that your due date is the 2nd of each month. You state that if you pay on this date, after a certain time, the Bank does not credit your payment until the next business day. You state that this is a way to be charged a late fee. You request a refund for the late fees totaling $74.00 from June 2, 2016, and October 2, 2016. I am happy to share my findings. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Payments made via the Account Center website must be made prior to 8 p.m. Eastern Time (ET), to be credited the same day. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you. In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted before 8 p.m. Eastern Time (ET) can be credited to your account same-day. Online payments submitted after 8 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your EXPRESS account. Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. The EXPRESS account does have the option of changing the due date. If you would like to change your due date, please contact our Customer Care team at ###-###-####, to see what dates are available. Bank records indicate that you submitted a request via our Secure Message Center on November 2, 2016, to have the $37.00 late fee from October 2, 2016, removed. In the interest of customer service, this fee was waived. In addition to, we have credited the $37.00 late fee from June 2, 2016. Please note we are unwilling to remove any additional fees regarding this matter. We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kaija M[redacted]
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
Dear Mr. [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced application. Comenity Bank issues EXPRESS credit card accounts, and we are here to help with your account-related questions. I...
appreciate this opportunity to assist you. We understand from your complaint that you received a letter from the Bank regarding a recent application. You state you contacted the Bank using the phone number provided on the letter. You were asked several questions regarding your personal information; however, you are not willing to provide more than your full name and address. You state the customer service representatives were rude and aggressive and you received no resolution on this call. We apologize for any frustration this matter has caused you. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. Please be advised when a suspicious application is received, the Bank will send a letter asking the named applicant to call. Please understand that when processing the application, the Bank had concerns; therefore, the application was suspended, and a letter was sent to you. When contacting the Bank we will ask for personal information in order to assist with the matter. Please be assured the Bank has stopped the application, and deemed it a fraudulent application. We have submitted a request to the credit-reporting agencies to remove the credit inquiry that resulted from the application. If you believe you have been a victim of fraud, we encourage you to contact the credit-reporting agencies and place a fraud alert on your credit file. The alert will notify potential creditors that you have been a victim of fraud, and you will be contacted before an application is approved. You may contact any one of the agencies listed below and they will notify the other two, so your alert will be reflected with all agencies. Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We hope this information is helpful. Should you have any further questions or concerns, please contact the Account Protection department at ###-###-#### (TDD/TTY ###-###-####). They would be happy to assist you. Sincerely, Kaija M[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues Woman Within credit card accounts, and we arehere to assist you with all account-related questions or concerns. Your complaint wasforwarded to my...
attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you had two Woman Within@ credit accounts withComenity Bank. You state that although the balance +om one account was transferred to theother account, you are now being billed for $78.03 in past due charges. You further state thatyou contacted the Bank rnuitiple times. and were told that the charges had been removed;however, a balance remained. You are requesting a letter stating that you have a zero balance,that there was a billing error, and that this will not affect your credit.Thank you for speaking with me on December 29, 2015. We have reviewed our records andare happy to share our findings. We have found that the Woman Within@ account ending in[redacted] was opened on August 3, 2002. and the Woman Within account ending in [redacted] was.opened on May 10,2003.On July 14,2015, the balance of $836.78 f m the Woman WfihinQ account ending in [redacted] wastransferred to the Woman Within@ account ending in [redacted], since this account was opened thelongest with the Bank. On December 22, 2015, the account ending in [redacted] was closed.On July 29, 2015, notification was sent to the national credit-reporting agencies, regarding theWoman Within@ account ending in [redacted] with instructions to have the account deleted fromyour credit bureau report. We can confirm that the Woman Within@ account ending in [redacted] isno longer reporting to the credit-reporting agencies.On August 11, 201 5, a deferred purchase of $81.97 was processed to the Woman Within@account ending in [redacted] items purchased on a deferred billing plan are not added to your creditcard account balance until the promotional time period is complete. When the deferred period isover, the purchase will appear on your monthly billing statement and will be added to your credifcard account balance, regardless of the account being opened or dosed.Our records indicate a billing statement was sent to you on September 7, 2015, reflecting abalance of $81.97, with a minimum payment amount of $20.00, due by October 3, 2015. As nopayment was received by October 3. 2075, a late fee and finanoe charge were assessed to theaccount, pursuant to the terms and conditions of the Credit Card Agreement.Our records further indicate that on October 31, 2015, you spoke with a Bank representativewho advised you they would transfer the purchase of $81.97 to the Woman Within@ acwuntending in [redacted]. resulting in a zero balance on the Woman Within account ending in [redacted]. Theassociate inadvertently did not credit the previously assessed late fee and finance charge; assuch, the account went three billing periods past due causing additional late fees and financecharges to be assessed.Please be assured, the Woman Within account ending in [redacted] is closed, and credits havebeen issued to provide you with a zero balance.As of the' date of this letter, the Woman Wlthim account ending in [redacted] has a balance of$1,053.96, with a minimum payment of $50.00, due by January 3, 201 6. This account is open.You are a valued customer and we apologize for any confusion or frustration this matter hascaused you. Should you have any further questions regarding your accounts, please contactme at ###-###-####, ext [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
Dear [redacted] Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Big Lots credit card. We are here to answer your questions and assist with your concerns. Your complaint states that you made a...
payment online; however, the payment was returned and you were unsure why. You further state that you attempted to make a new payment online; however, you were unable to. Therefore, you contacted our Customer Care department to make a payment; however, you were advised there was a fee to make payments by phone. Therefore, you sent your payment in; however, you were charged a late fee because the payment was received late. Furthermore, you state that your balance is more than what you purchased and you are requesting that the fees assessed to your account be waived. I understand your concerns and apologize for any confusion or frustration this matter may have caused you. Bank records indicate that on June 3, 2016, you made a purchase of $496.67. This purchase was placed on a six month deferred interest regular minimum payment required promotional plan. For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their account. Interest is accrued (calculated, but not added to the balance), and if the balance is not paid in full by the plan end date, the accrued Finance Charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balance. Bank records further indicate that on July 2, 2016, you scheduled two $30.00 payments. One was scheduled for July 4, 2016, and the other was scheduled for July 5, 2016. Please be advised that both payments were returned; therefore, a returned check fee was assessed to your account. As a result of these payments being returned, your minimum payment increased. On July 9, 2016, a statement was issued to you showing a balance of $523.67 and a minimum payment of $53.00 was due by August 4, 2016. The Bank received a payment of $30.00 on July 11, 2016, which was less than the required minimum payment. Therefore, a late fee was assessed to your account. Upon further review, Bank records indicate that for the months of October 2016, November 2016, January 2017, and February 2017, the required minimum payment was not made; therefore, late fees were assessed to your account. Please be advised 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. Comenity Capital Bank did not find any billing errors. Therefore, we are unwilling to remove any fees that were assessed to your account, as they are valid. 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] *
I got a message today regarding my complaint had not received feedback. This is the only message I am aware of on this matter. The company did send me a letter saying that my account was zero, so that is resolved to my satisfaction. I do not know if you sent me a message and I did not receive it or deleted it by accident. Regardless, I want you to know that I am happy with the out come and thank you so much for helping me in this matter.
This is a totally unacceptable response. It's your mistake that the even approved it in the first place, and you want to punish the consumer for their actions. I respectfully decline your response, as they have declined my request. Also, with all due respect, you people are incompetent, and can shove your cards. I am done doing business with you people. I don't want any further contact about this. I would like to have this marked as closed, and dissatisfied, by the Revdex.com.Regards, [redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above. Comenity Bank issues the roomplace® 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 three items purchased from the roomplace were cancelled, as they were going to arrive weeks or months after you needed them. You state that you have contacted the bank and the roomplace over and over regarding this matter and experienced long hold times. You are requesting that your account be adjusted for the cancelled items. We apologize for any inconvenience this matter may have caused you. Please note that Comenity Bank and the roomplace are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. The roomplace is responsible for handling matters related to sales, cancellations, merchandise processing, returns, and delivery. Please be assured that we have contacted the roomplace regarding your cancelled items, and a credit of $882.91 was applied to your account on July 1, 2016. With this adjustment the balance on your account is $3,303.02. We understand that you were dissatisfied with the service you received while speaking with our bank, and the roomplace. Our goal is to provide excellent customer service, and we are disappointed when this does not occur. Our management team reviews calls and inquiries of this nature, and makes appropriate recommendations for training or counseling purposes, should that be necessary. We hope you find this information helpful. If 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]
We are in receipt of your complaint regarding the above-referenced applications. Comenity Bank issues maurices, and Victoria’s Secret credit card accounts, and we respond to all account, and application-related questions. Your complaint, addressed to the Revdex.com, was...
forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint, in February of 2016 you applied for the Victoria’s Secret credit card, and in March of 2016, you applied for a maurices credit card. You advised that you never received a response regarding either application within the noted timeframe of 7-10 business days, and that later noticed your credit score had been impacted by the application submissions. You state that you contacted the Customer Care Center to resolve this matter, and you were directed to wait on your letters of approval/denial. After two weeks, and not receiving documentation regarding your application status, you then contacted Comenity Bank to address your concerns, and were advised that our records purge applications after a thirty day interval, and requested that you reapply. During this process, you advise, your credit score had been impacted due to two hard hits listed from both applications submitted. You are requesting Comenity Bank remove the maurices or all of the inquiries listed on your Credit Bureau Report, and a full explanation from Comenity Bank advising why you did not receive information regarding your approval or denial for the application you submitted, and valid confirmation advising if you were approved or denied for the maurices/Victoria’s Secret credit cards.Comenity Bank would like to apologize for the inconvenience and frustration this matter may have caused you. Please be assured, Comenity Bank completed a thorough investigation of your complaint, and would like to share our findings. Bank records indicate your Victoria’s Secret application had a keying error in which the application did not list a valid address; therefore, the credit bureau was unable to accurately read the information when the application was submitted. As such, Comenity Bank was unable to process your application or make a decision to approve or deny it, we were also unable to mail a response to the application without a valid address.Regarding the application for the maurices credit card; bank records indicate this matter has been investigated and a response dated March 6, 2016, was previously issued to the following address listed on the application: [redacted]
[redacted] Please note, due to the matters addressed in the prior correspondence, your application for a maurices credit card was declined. I have enclosed a copy of the previous response for your review. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. At this time, Comenity Bank finds the inquiries to be valid; therefore, we are unwilling to delete the inquiries from your credit report. Please note, to dispute this matter further, please contact the credit reporting agencies directly at the address/phone numbers listed below:I hope you 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 would be happy to assist you. Sincerely,Geanine M[redacted]Consumer Relations Specialist
Is it possible to still respond to this complaint? I apparently missed your first message. I apologize. The issue was taken care of to my satisfaction and I would like the complaint to show as such. Please advise. Thank you, [redacted]
Comenity Bank was the one who entered into agreement with American Laser Skincare to handle their financing. They are telling me seek repayment by American Laser Skincare and aren't taking responsibility. Comenity Bank continued to collect payments after American Laser closed its doors, and I am in contact with many people who have been reimbursed the money they sent to Comenity Bank to pay off their American Laser Skincare accounts. Comenity sent the other people checks, not American Laser, who has since filed for bankruptcy. If this division of Comenity Bank is denying responsibility and putting the blame on the other division of the bank, then they need to put me in contact with the correct person, in the correct department at Comenity Bank, so that I can get my money refunded.
Regards,
[redacted]
With regards to late fee. The payment was made on time. The minimum amount required was MORE than the amount due because of the credit applied. It should be clear to you that it is UNREASONABLE to charge a $32 dollar late fee on a payment that was MADE ON TIME for a .56 cent error.
Regards, [redacted]
They are lying. The full amount due was paid in the first, they didn't take it out until the second which is not my fault. That's why the late fees are fraudulent. If they decide not to take my payment out the day I pay it that is on them and not me.
Regards, [redacted]