.Thank you for contacting Comenity Bank regarding the above-referenced accountAs the bank that issues OLD PUEBLO TRADERS® credit card accounts, we are here to help with account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you We understand from your complaint that you have been receiving late fees, even though all of the merchandise was returnedYou spoke with Comenity Bank and Old Pueblo Traders, and decided to request an itemized statement, which you believe showed you were still being charged for a mint dress You believe you have paid for everything that you have purchased Please understand that Comenity Bank and Old Pueblo Traders are two separate entitiesComenity Bank is responsible for addressing questions related to OLD PUEBLO TRADERS® credit card accounts, while Old Pueblo Traders is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality When you order merchandise from Old Pueblo Traders, your account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handlingWhen the merchandise is returned, your account is credited for the merchandise and the applicable sales taxOld Pueblo Traders does not refund shipping and handling chargesIn addition, if the provided return label is used to return the package, the return label fee is also charged to your account We reached out to Old Pueblo Traders on your behalf and they have issued credits totaling $to remove two shipping feesIn the interest of customer service, the Bank has issued additional credits totaling $to the account to remove the late fees and finance chargesThese credits have processed and your account balance is zero Please be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the OLD PUEBLO TRADERS® account, from your credit bureau reportPlease allow the credit-reporting agencies days to update their records I hope this information is helpfulIf you have any further questions regarding your account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you
I [redacted] is responding to ID [redacted] against Comenity Bank, I talk to them on the phone regarding the late fee that thy had been charging me withSo thy decided to stop the late fee and gave me a new due dateI apprecaite the help that you has given meThank you very much[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Crate and Barrel and RH credit cardsWe are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, that youhave contacted the Bank since September trying to find the money that was taken from your bankaccount without your permissionYou state you authorized three payments and five paymentswere taken from your accountYou have set up a payment plan and your bill never changes.When you question the Bank about this, you are hung up on, screamed at, harassed, and no onewill listen to your complaintThe Bank is taking money and not applying to your accountsOnFebruary 3, 2018, a payment of $was debited from your checking account and youreceived a call stating that there was no record of this paymentYou are requesting that the Bankfinds the payment of $439.00, and adjust or pay off the accounts.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversationsWe apologize if you felt you did not receive the best customer serviceWe neverintend to treat our customers in a less-than-satisfactory mannerWe are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.After a review of the Crate and Barrel account, our records indicate the following payments:Schedule Date Amount Method Withdrawal DateMay 2, $Via Account Center May 2, 2017September 17, $Via Account Center October 3, 2017December 15, $Via Account Center December 16, 2017January 10, $With Bank Associate February 3, 2018February 11, $Via Account Center *March 3, 2018As of the date of this letter, the balance on the Crate and Barrel account is $Please note,this balance does not include the payment above that is denoted with an asterisk, as it isscheduled for a future withdrawal date.After a review of the RH account, our records indicate the following payments:Schedule Date Amount Method Withdrawal DateMay 21, $Via Account Center May 21, 2017August 28, $With Bank Associate August 28, 2017September 11, $With Bank Associate September 11, 2017September 18, $With Bank Associate September 29, 2017September 18, $With Bank Associate October 13, 2017September 18, $With Bank Associate October 27, 2017January 10, $With Bank Associate January 24, 2018January 10, $With Bank Associate *February 24, 2018January 10, $With Bank Associate *March 24, 2018February 11, $Via Account Center *February 26, 2018As of the date of this letter, the balance on the RH account is $8,Please note, this balancedoes not include the payments above that are denoted with an asterisk, as they are scheduledfor future withdrawal dates.As the Bank finds this information correct, we respectfully decline your request for the accountsto be adjusted.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Renee S*Compliance Dept– Consumer Responses
Hello,Thank you for your inquiry Your reference number is [redacted] .We will reply to your email providing an update and/or resolution of your issue Please understand that it may take 2-business days to resolve the issue.Please reply to this email with any additional questions related to your inquiry.Sincerely,Consumer Support Group
Dear [redacted] We received your additional complaint, addressed to the Revdex.com, regarding the account referenced aboveComenity Bank issues BrylaneHome credit card accounts, and we are here to assist you with all account-related questionsI appreciate the opportunity to respond to your concernsWe previously received and responded to your correspondence submitted to the FDIC regarding this same matterPlease find enclosed a copy of our response sent to you on April 4, We hope you have found this information helpfulIf you have any further questions, please contact Erin M [redacted] at the number provided in the prior correspondenceThey will be happy to assist youSincerely, Amanda R**
Dear [redacted] ***:Comenity Bank (Bank) received your correspondence regarding the above-referenced account.Comenity Bank issues the DSW Rewards Visa credit cardWe are here to answer your questions andassist with your concerns.Your correspondence states there are two late payments reflected on your account; however, whenyou checked your account balance through the Bank’s Interactive Voice Response (IVR) system inJuly and August 2017, you were advised your account had a zero balanceYou state you called theBank and attempted to discuss the matter with multiple associates, but the associates were abusiveto you and the matter was not resolvedYou indicate that you requested a new credit card becauseyour previous credit card number was compromised, and the representative you spoke with advisedthat you made a $purchase on June 11, 2017, and there were two late fees on your account.You state that you received a birthday gift card and returned to DSW to have your previous purchaseadjusted using the gift cardYou mention that you attempted to use your credit card in the store and itwas rejected, even though the credit limit had not been reachedAdditionally, you state you did notreceive your monthly billing statementsYou are requesting for the late fees to be removed and foryour account to be closed.We reviewed the concerns noted in your correspondence and would like to provide the followinginformationA review of your account shows a purchase in the amount of $was made using theaccount on June 11, Your June billing statement showed a total balance of $with aminimum payment of $due by July 18, No payments have been received by the Banksince August 2, 2016; as a result, late fees and minimum charges totaling $were assessed tothe accountPlease keep in mind that when payments are not received, are made for less than theminimum required, or are received after the due date cut-off time, the account will be assessed a latefee, as explained in the Credit Card Agreement.On September 14, 2017, you contacted the Bank regarding the above-mentioned fees and as a onetimecourtesy, the representative you spoke with applied a late fee credit of $and a financecharge credit of $to the accountThese credits are reflected on your September billingstatement.Please note that the available credit on your account was suspended in September due todelinquencyThe suspension prevents you from making purchases until the account is brought backto a current statusThe account is currently three billing cycles past due and was closed, per yourrequest, on September 14, 2017.In regard to your statement about the IVR system advising your account had a zero balance in Julyand August 2017, we reviewed the Bank’s IVR records and were not able to locate any instanceswhere you called the IVR system regarding your DSW Rewards Visa account during the months ofJuly or August Your account balance for the July billing cycle was $and youraccount balance for the August billing cycle was $These balances wrtr accuratelyreflected in the IVR system.With respect to your statement about Bank associates treating you in an abusive manner, we reviewedthe applicable telephone conversations and did not identify any instances of inappropriate orunprofessional behavior on the part of any Bank associates; however, we apologize if you felt you didnot receive the best customer serviceWe never intend to treat our customers in a less-than satisfactorymannerWe are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not met.Upon receipt of your correspondence, we contacted DSW regarding the birthday coupon discount,and verified that, on July 7, 2017, a DSW associate applied a birthday coupon discount in the amountof $to one of your purchasesA credit in the amount of $(birthday coupon discount + tax)was issued to your Mastercard ending in ***This account is not associated with your DSW RewardsVisa accountPlease note that since the credit for the birthday coupon discount was issued to yourMastercard ending in ***, the balance on your DSW Rewards Visa account was not impacted, andthe $purchase amount remained on the account.In regard to your statement about not receiving your monthly billing statements, your account wasregistered through our online Account Center on March 30, 2016, which provides account holders theability to view statements and make payments onlineOn the same date, you enrolled in paperlessstatements, meaning you would receive your statements online versus postal mailWhen enrolled inpaperless statements, we send you a monthly Statement-Ready Email (SRE) notifying you thestatement is available to be viewedThe last SRE was sent on September 26, 2017, and we do nothave record of any emails being returned as undeliverable from the email address you provided.Please note your enrollment in paperless statements was cancelled, per your request, on September14, Going forward, paper billing statements will be sent to the address on file for your account,until the balance is paid in full.Finally, if you believe the above-mentioned credit card account number has been compromised,please contact our Account Protection team at (800) 888-and they will be happy to investigateany potential fraud on your account.While we understand your frustration, we respectfully decline to credit any additional late fees on youraccountWe have determined the account balance is accurate and no additional adjustments areneededAs of the date of this letter, your account balance is $with a minimum payment of $31.40due by October 18, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Jessica A [redacted] Compliance Dept– Consumer Responsescc: Consumer Financial Protection Bureau
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Catherines and Avenue credit cardsWe are here to answer your questions and assist with your concerns You state in your complaint that you have tried at least six times to resolve the matterYou state that the representatives are rude and you have been hung up onYou also state that there are a lot of threats and calls to your jobYou have received several letters offering help; however, no one wants to help youYou further state that your balance is increasing, and you would like to resolve this matter We have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not metPlease be assured, there is no indication that you were hung up on I have reviewed the concerns noted in your correspondence and would like to provide you with the following informationBank records indicate that you spoke with the Bank on May 20, 2017, and were advised of the 12-Month Customer Hardship Program, which provides customers with special terms in order to bring and keep the account currentYou enrolled the above-referenced accounts into our Hardship Program, and made $payments for both accountsOn May 23, 2017, the representative who assisted you on May 20, 2017, contacted you and left a voicemail regarding an error with the enrollment process and requested that you contact the Bank to correct this matterHowever, when you contacted the Bank on May 23, 2017, another representative incorrectly confirmed the accounts were enrolled in the program, but they were notWe apologize for the misinformation that was provided 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 reportingMany times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current statusBank records indicate that the phone number listed as valid on the account is a cell number, not a work numberIf you are receiving calls to an unauthorized phone number, please contact the Bank to request the phone number be removed Please keep in mind, 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 AgreementSince the account is not currently enrolled in a program, and no further payments have been made since May, Bank fees have been assessed, which increased the account balance For assistance with enrolling the accounts into the Hardship Program, please contact Alesha at ###-###-#### or Michella at ###-###-####One of these associates would be glad to assist you in completing the Hardship Program enrollment I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] KaiM [redacted] Compliance Dept– Consumer Responses cc: Revdex.com
Dear [redacted] We received your complaint regarding the above-referenced credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concernsIn your complaint, you state that you have received several harassing phone calls after you had already made a payment on your accountYou further state that the representative was very rude and threateningPlease except our deepest apology as Comenity Bank does not condone that a customer be treated with disrespect at any timeWe strive to provide each of our customers with an excellent customer service experience and we apologize that you received less than that when you contacted usWe attempted to locate the account in question; however, we are unable to locate the account with the information you have providedTo better assist you, we need additional information to locate the account(s) in questionPlease provide the following: ? Complete Comenity Bank Account Number ? Any Previous Names of Accountholder ? Any Previous Addresses ? Home Telephone Number ? Social security number This information can be mailed to the address listed above, or faxed to my attention at [redacted] *** I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] ( [redacted] ***)I would be happy to assist youSincerely, Jenny W*** Consumer Relations Specialist
Dear [redacted] :Thank you for contacting Comenity BankWe issue multiple retail credit card accounts, and weare here to help with your questionsThe Revdex.com forwarded your complaint tomy attention, and I appreciate the opportunity to respond to your concerns.Please accept our deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity Bank.Afler reviewing our database, we are able to confirm that the telephone calls being made wereattempts to contact a customer regarding a personal business matterPlease be assured thatwe have updated our records and you should not receive any further telephone calls at thetelephone number ending in [redacted] from Comenity Bank.We hope you find this information helpfulIf you have any additional questions or concernsplease contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda R [redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank previously issued Value City Furniture credit card accounts, and we respond to account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunityto respond to your concernsWe understand from the correspondence that the Value City Furniture account that you were previously listed as an authorized buyer has been reporting negatively on your credit report and you would like the information removed We apologize for the inconvenience and frustration you may have experienced due to this situation.A review of the reporting did indicate some discrepancies Instructions were sent to the national credit-reporting agencies to delete above mentioned account in its entirety from your credit report Please allow the credit reporting agencies 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 Ms [redacted] Comenity Bank received a complaint, addressed to the Revdex.com, regarding the above-noted account As the bank that issues Roaman’s® credit card accounts, we respond to all account-related concerns Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you Thank you for taking the time to speak with me on July 1, 2016, regarding your experiences when you attempted to change your due date Based upon our conversation, we were able to determine that your complaint regarding your due date has been resolved after speaking with our Customer Care team on May 14, During your previous telephone call, we advised that your due date was changed to the 7th of every month, and that a late fee credit of $has been issued to the account, in the interest of customer service Please understand, when an account becomes past due, we are unable to request a due date change Once the minimum payment is received, and the account is brought current, the consumer has the ability to request a due date change Please keep in mind 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 and finance charge, as explained in the Credit Card Agreement (CCA) As of today’s date, the balance on your Roaman’s® account is $ A $payment posted to the account on July 1, To provide the best customer service possible, we offer multiple ways to make a payment Choose a payment method that's right for you Online: Online payments submitted before p.mEastern Time (ET) can be credited to your account same-day Online payments submitted after p.mET 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 Roaman’s® 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 p.mET to speak to a customer care representative A fee may apply to same-day, expedited payments made with the representative The above information and more can be found by visiting: [redacted] We value you as a customer, and we hope that 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, Amanda R**
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Ann Taylor credit cardWe are here to answer your questionsand assist with your concerns.We previously received and responded to your correspondence submitted to the ConsumerFinancial Protection Bureau regarding this same matterPlease find enclosed a copy of ourresponse dated January 12, 2018.Please note, we did not find any instance where an associate agreed to remove the accountand/or delinquency from your credit file.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Angela L***Compliance Dept– Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.You state you have been trying to pay your bill for at least six months and you have been passed around to people who can’t help you process your paymentYou state you called TransUnion in an attempt to have them contact someone so you could make a payment; however, the attempts were unsuccessfulYou do not feel safe sending a large check without talking to someone first about your growing billYou are requesting to talk to the company, pay your bill in the proper amount, and have the account removed from your credit bureau after it is paidWe have reviewed your account and we are happy to share our findingsWe have enclosed copies of your monthly billing statements, for your reviewYour monthly billing statements were mailed to the address of [redacted] Boulevard, Apartment ***, Kansas City, Missouri We have no record of the statements being returned by the post officePlease keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee and finance charge may be assessed to the account, as explained in the Credit Card AgreementOur records indicate a purchase of $posted to the account on November 5, On November 16, 2015, a billing statement was issued reflecting a balance of $43.54, and a minimum payment of $due by December 12, As no payment was received, a late fee and a finance charge were assessed to the accountOn December 17, 2015, a billing statement was issued reflecting a balance of $69.58, and a minimum payment of $due by January 12, As no payment was received, another late fee and a finance charge were assessed to the accountStatements continued to be sent monthly and, as no payments were received, late fees and finance charges continued to be assessedOn June 16, 2016, due to non-receipt of payment, the account was permanently closed, written off, and reported to the credit reporting agencies as an unpaid debt with a balance of $On June 22, 2016, the account was sold to [redacted] GroupAlthough we find the balance to be valid, in the interest of customer service, the Bank has made the decision to not hold you responsible for account balance of $We are in the process of purchasing your account back from [redacted] GroupOnce the process is complete, we will issue credits for the purchase of $and any accrued late fees and finance charges to bring the account to a zero balanceWe will also submit a request to the credit reporting agencies to delete the account from your credit fileI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Laura R [redacted] Laura R [redacted] Compliance Dept– Consumer Responses cc: Revdex.com Enclosures
Dear [redacted] :Thank you for contacting Comenity BankAs the bank that issues Victoria’s Secret credit card accounts, we are here to answer account-related questionsYour complaint submitted to the Revdex.com was forwarded to my attention for reviewI appreciate the opportunity to assist you.We understand from your complaint that you were injured from your job and lost employment in February 2015, which prevented you from making timely paymentsYou made attempts to pay the balance little by littleAfter being approved for Disability Social Security, you filed a claim with the Account Assure vendor, AON and the balance was paid in fullYou have recently opened a new business and you are trying to rebuild your credit history, as well as move to a new locationYour credit report is indicating that the account is closed, not active or working, and you would like the Bank to reinstate the account back to an active status, like when you first established the account.Please be assured that we reviewed your account and we are happy to explain our findings.Bank records indicate that as a result of the account becoming two payments delinquent in January 2015, the credit limit was lowered to zeroPlease note that when payment is not received, received after the payment due date, or the payment is made for less than the required minimum due, the account charging privileges may be suspended and the credit limit lowered to zero by the Bank, as explained in the Credit Card Agreement.As indicated in the complaint, the injury you sustained occurred February 21, 2015, which was a month after the credit limit was lowered to zeroThe Account Assure claim was filed in November and the benefit paid your account balance in full on December 9, 2015.The Bank is unwilling to auto reinstate the credit limit on your accountYou may contact our Customer Care team at any time to request a credit limit increaseThey can be reached at ###-###-####In doing so, please keep in mind that a credit bureau report may need reviewed to determine your eligibility for a credit limit increase.In addition, after review of the credit bureaus, we confirmed that Comenity Bank is not reporting the account as “closed”.We apologize for any frustration or inconvenience you have experienced, and we hope this information is helpfulIf you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear [redacted] We received a complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-dated questionsThe complaint, addressed to the Revdex.com, wasforwarded to my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint on April 28, 2015, regarding the same issueWe have enclosed a copy of ourprevious response for your recordsPlease be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Dear [redacted] Comenity Bank has received your additional correspondence regarding the above-referencedaccountComenity Bank issues the Lane Bryant credit card accountsWe are here to answeryour questions and assist with your concerns.We understand that you were given a credit to your account, and also made a payment, whichwould have been over the amount needed for your minimum paymentAs you have paid youraccount in full, you are requesting to receive a refund in the amount of $32.00.As previously advised when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.Please be advised, credits do not count towards the minimum amount due unless the accountwould be paid in fullAs your account had a remaining balance after your payment, and thepayment did not cover the minimum nor the full remaining balance, the late fee is valid.The Bank respectfully declines your request for a refund.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L***
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me; however it is possible that there may be two deliquency reports on my credit reportI would appreciate it if you could removed both deliquencies if there are in fact two Regards, [redacted]
We received your complaintsubmitted to the Revdex.com, regarding the above-referencedaccount Comenity Bank issues PINK/Victoria's Secret credit cards, and we are here to help answer allaccount-related questionsYour complaint was forwarded to my attention for review, and I appreciate theopportunity to assist you.Your complaint states that your credit card account was recently declined for a purchase and that you paid thebalance in full on May 16, You contacted the Bank's Customer Care team to find out that your limit wascancelled based on multiple late paymentsYou believe that the Bank should reinstate your credit cardaccount or provide you with creditsas you were never advised that the account would be cancelledPleasefind a summary of the PINK/Victoria's Secret account belowI have enclosed a copy of the account CreditCard Agreement (CCA), as well as copies of your billing statements, which show the account activity thatcomprised the account balance and delinquencies.A charge for $posted to your account on September 30,On October 7, 2014, a monthly billingstatement was sent to you, and payment of $was due on November 2,2014; payment was not received.A billing statement was sent to you on November 2014, and payment of was due on December 2,Payment far $was made at the store and posted to your aecount on December 3, 2014, whichbrought the account current.On December 7,2014, and January 7, 2015, billing statements were issued to you, and payments were due onJanuary 2, 2015, and February 2, Payment for $was made by telephone with the Bank and postedto your account on March 4, As a result of the late payment, the account became two billing periods pastdue and was reported as 30-days delinquent to the credit bureaus for February 2015.Furthermore, on March 7, 2015, and April 6, 2015, billing statements were issued to you, and payments weredue on April 2,2015, and May 2,Payment for $was received on May 16, As a result of thelate payments, the account became two billing periods past due and was reported as days delinquent to thecredit bureaus for May Also, at this time, the PINK/Victoria's Secret account was not terminated;however, the account credit limit was suspended and decreased to zero.As no Bank errors were found, we are unwilling to automatically reinstate the credit limit, or issue credit to theaccountIf you would like to apply for a credit limit increase, you may do so by calling our Customer Careteam, toll free, at Please keep in mind, the Bank will review a current credit bureau report.We apologize for any confusion or frustration you have experienced, and we hope this information is helpfulIfyou have further questions regarding this letter, please do not hesitate to contact me at 1.800.675.5685, sxt[redacted] (TDD/TTY 1.800.695.1788)I will be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
May I please request an extension on this complaint? I am still researching her concerns and we also received a billing dispute as well regarding the balancePlease advise if this extension has been grantedThank you and have a great day!Laura R [redacted] Consumer Relations SpecialistConsumer Relations Group Alliance Data Retail Services [redacted] ***Office: ###-###-####Toll Free: ###-###-####, ext [redacted]
Dear Elizabeth Knight: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria's Secret Angel credit cardWe are here to answer your questions and assist with your concerns I understand that you have received two late fees on your account, and feel that they are unfair and should be removed Please be advised, the due date on your account is the 16th of every monthKeep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement Our records indicate on May 5, 2017, a late fee in the amount of $was removed from the accountWe respectfully decline your request to remove the additional late fee I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KW [redacted] Kristina W [redacted] Compliance Dept– Consumer Responses
.Thank you for contacting Comenity Bank regarding the above-referenced accountAs the bank that issues OLD PUEBLO TRADERS® credit card accounts, we are here to help with account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you We understand from your complaint that you have been receiving late fees, even though all of the merchandise was returnedYou spoke with Comenity Bank and Old Pueblo Traders, and decided to request an itemized statement, which you believe showed you were still being charged for a mint dress You believe you have paid for everything that you have purchased Please understand that Comenity Bank and Old Pueblo Traders are two separate entitiesComenity Bank is responsible for addressing questions related to OLD PUEBLO TRADERS® credit card accounts, while Old Pueblo Traders is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality When you order merchandise from Old Pueblo Traders, your account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handlingWhen the merchandise is returned, your account is credited for the merchandise and the applicable sales taxOld Pueblo Traders does not refund shipping and handling chargesIn addition, if the provided return label is used to return the package, the return label fee is also charged to your account We reached out to Old Pueblo Traders on your behalf and they have issued credits totaling $to remove two shipping feesIn the interest of customer service, the Bank has issued additional credits totaling $to the account to remove the late fees and finance chargesThese credits have processed and your account balance is zero Please be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the OLD PUEBLO TRADERS® account, from your credit bureau reportPlease allow the credit-reporting agencies days to update their records I hope this information is helpfulIf you have any further questions regarding your account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you
I [redacted] is responding to ID [redacted] against Comenity Bank, I talk to them on the phone regarding the late fee that thy had been charging me withSo thy decided to stop the late fee and gave me a new due dateI apprecaite the help that you has given meThank you very much[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Crate and Barrel and RH credit cardsWe are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, that youhave contacted the Bank since September trying to find the money that was taken from your bankaccount without your permissionYou state you authorized three payments and five paymentswere taken from your accountYou have set up a payment plan and your bill never changes.When you question the Bank about this, you are hung up on, screamed at, harassed, and no onewill listen to your complaintThe Bank is taking money and not applying to your accountsOnFebruary 3, 2018, a payment of $was debited from your checking account and youreceived a call stating that there was no record of this paymentYou are requesting that the Bankfinds the payment of $439.00, and adjust or pay off the accounts.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversationsWe apologize if you felt you did not receive the best customer serviceWe neverintend to treat our customers in a less-than-satisfactory mannerWe are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.After a review of the Crate and Barrel account, our records indicate the following payments:Schedule Date Amount Method Withdrawal DateMay 2, $Via Account Center May 2, 2017September 17, $Via Account Center October 3, 2017December 15, $Via Account Center December 16, 2017January 10, $With Bank Associate February 3, 2018February 11, $Via Account Center *March 3, 2018As of the date of this letter, the balance on the Crate and Barrel account is $Please note,this balance does not include the payment above that is denoted with an asterisk, as it isscheduled for a future withdrawal date.After a review of the RH account, our records indicate the following payments:Schedule Date Amount Method Withdrawal DateMay 21, $Via Account Center May 21, 2017August 28, $With Bank Associate August 28, 2017September 11, $With Bank Associate September 11, 2017September 18, $With Bank Associate September 29, 2017September 18, $With Bank Associate October 13, 2017September 18, $With Bank Associate October 27, 2017January 10, $With Bank Associate January 24, 2018January 10, $With Bank Associate *February 24, 2018January 10, $With Bank Associate *March 24, 2018February 11, $Via Account Center *February 26, 2018As of the date of this letter, the balance on the RH account is $8,Please note, this balancedoes not include the payments above that are denoted with an asterisk, as they are scheduledfor future withdrawal dates.As the Bank finds this information correct, we respectfully decline your request for the accountsto be adjusted.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Renee S
*Compliance Dept– Consumer Responses
Hello,Thank you for your inquiry Your reference number is [redacted] .We will reply to your email providing an update and/or resolution of your issue Please understand that it may take 2-business days to resolve the issue.Please reply to this email with any additional questions related to your inquiry.Sincerely,Consumer Support Group
Dear [redacted] We received your additional complaint, addressed to the Revdex.com, regarding the account referenced aboveComenity Bank issues BrylaneHome credit card accounts, and we are here to assist you with all account-related questionsI appreciate the opportunity to respond to your concernsWe previously received and responded to your correspondence submitted to the FDIC regarding this same matterPlease find enclosed a copy of our response sent to you on April 4, We hope you have found this information helpfulIf you have any further questions, please contact Erin M [redacted] at the number provided in the prior correspondenceThey will be happy to assist youSincerely, Amanda R**
Dear [redacted] ***:Comenity Bank (Bank) received your correspondence regarding the above-referenced account.Comenity Bank issues the DSW Rewards Visa credit cardWe are here to answer your questions andassist with your concerns.Your correspondence states there are two late payments reflected on your account; however, whenyou checked your account balance through the Bank’s Interactive Voice Response (IVR) system inJuly and August 2017, you were advised your account had a zero balanceYou state you called theBank and attempted to discuss the matter with multiple associates, but the associates were abusiveto you and the matter was not resolvedYou indicate that you requested a new credit card becauseyour previous credit card number was compromised, and the representative you spoke with advisedthat you made a $purchase on June 11, 2017, and there were two late fees on your account.You state that you received a birthday gift card and returned to DSW to have your previous purchaseadjusted using the gift cardYou mention that you attempted to use your credit card in the store and itwas rejected, even though the credit limit had not been reachedAdditionally, you state you did notreceive your monthly billing statementsYou are requesting for the late fees to be removed and foryour account to be closed.We reviewed the concerns noted in your correspondence and would like to provide the followinginformationA review of your account shows a purchase in the amount of $was made using theaccount on June 11, Your June billing statement showed a total balance of $with aminimum payment of $due by July 18, No payments have been received by the Banksince August 2, 2016; as a result, late fees and minimum charges totaling $were assessed tothe accountPlease keep in mind that when payments are not received, are made for less than theminimum required, or are received after the due date cut-off time, the account will be assessed a latefee, as explained in the Credit Card Agreement.On September 14, 2017, you contacted the Bank regarding the above-mentioned fees and as a onetimecourtesy, the representative you spoke with applied a late fee credit of $and a financecharge credit of $to the accountThese credits are reflected on your September billingstatement.Please note that the available credit on your account was suspended in September due todelinquencyThe suspension prevents you from making purchases until the account is brought backto a current statusThe account is currently three billing cycles past due and was closed, per yourrequest, on September 14, 2017.In regard to your statement about the IVR system advising your account had a zero balance in Julyand August 2017, we reviewed the Bank’s IVR records and were not able to locate any instanceswhere you called the IVR system regarding your DSW Rewards Visa account during the months ofJuly or August Your account balance for the July billing cycle was $and youraccount balance for the August billing cycle was $These balances wrtr accuratelyreflected in the IVR system.With respect to your statement about Bank associates treating you in an abusive manner, we reviewedthe applicable telephone conversations and did not identify any instances of inappropriate orunprofessional behavior on the part of any Bank associates; however, we apologize if you felt you didnot receive the best customer serviceWe never intend to treat our customers in a less-than satisfactorymannerWe are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not met.Upon receipt of your correspondence, we contacted DSW regarding the birthday coupon discount,and verified that, on July 7, 2017, a DSW associate applied a birthday coupon discount in the amountof $to one of your purchasesA credit in the amount of $(birthday coupon discount + tax)was issued to your Mastercard ending in ***This account is not associated with your DSW RewardsVisa accountPlease note that since the credit for the birthday coupon discount was issued to yourMastercard ending in ***, the balance on your DSW Rewards Visa account was not impacted, andthe $purchase amount remained on the account.In regard to your statement about not receiving your monthly billing statements, your account wasregistered through our online Account Center on March 30, 2016, which provides account holders theability to view statements and make payments onlineOn the same date, you enrolled in paperlessstatements, meaning you would receive your statements online versus postal mailWhen enrolled inpaperless statements, we send you a monthly Statement-Ready Email (SRE) notifying you thestatement is available to be viewedThe last SRE was sent on September 26, 2017, and we do nothave record of any emails being returned as undeliverable from the email address you provided.Please note your enrollment in paperless statements was cancelled, per your request, on September14, Going forward, paper billing statements will be sent to the address on file for your account,until the balance is paid in full.Finally, if you believe the above-mentioned credit card account number has been compromised,please contact our Account Protection team at (800) 888-and they will be happy to investigateany potential fraud on your account.While we understand your frustration, we respectfully decline to credit any additional late fees on youraccountWe have determined the account balance is accurate and no additional adjustments areneededAs of the date of this letter, your account balance is $with a minimum payment of $31.40due by October 18, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Jessica A [redacted] Compliance Dept– Consumer Responsescc: Consumer Financial Protection Bureau
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Catherines and Avenue credit cardsWe are here to answer your questions and assist with your concerns You state in your complaint that you have tried at least six times to resolve the matterYou state that the representatives are rude and you have been hung up onYou also state that there are a lot of threats and calls to your jobYou have received several letters offering help; however, no one wants to help youYou further state that your balance is increasing, and you would like to resolve this matter We have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not metPlease be assured, there is no indication that you were hung up on I have reviewed the concerns noted in your correspondence and would like to provide you with the following informationBank records indicate that you spoke with the Bank on May 20, 2017, and were advised of the 12-Month Customer Hardship Program, which provides customers with special terms in order to bring and keep the account currentYou enrolled the above-referenced accounts into our Hardship Program, and made $payments for both accountsOn May 23, 2017, the representative who assisted you on May 20, 2017, contacted you and left a voicemail regarding an error with the enrollment process and requested that you contact the Bank to correct this matterHowever, when you contacted the Bank on May 23, 2017, another representative incorrectly confirmed the accounts were enrolled in the program, but they were notWe apologize for the misinformation that was provided 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 reportingMany times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current statusBank records indicate that the phone number listed as valid on the account is a cell number, not a work numberIf you are receiving calls to an unauthorized phone number, please contact the Bank to request the phone number be removed Please keep in mind, 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 AgreementSince the account is not currently enrolled in a program, and no further payments have been made since May, Bank fees have been assessed, which increased the account balance For assistance with enrolling the accounts into the Hardship Program, please contact Alesha at ###-###-#### or Michella at ###-###-####One of these associates would be glad to assist you in completing the Hardship Program enrollment I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] KaiM [redacted] Compliance Dept– Consumer Responses cc: Revdex.com
Dear [redacted] We received your complaint regarding the above-referenced credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concernsIn your complaint, you state that you have received several harassing phone calls after you had already made a payment on your accountYou further state that the representative was very rude and threateningPlease except our deepest apology as Comenity Bank does not condone that a customer be treated with disrespect at any timeWe strive to provide each of our customers with an excellent customer service experience and we apologize that you received less than that when you contacted usWe attempted to locate the account in question; however, we are unable to locate the account with the information you have providedTo better assist you, we need additional information to locate the account(s) in questionPlease provide the following: ? Complete Comenity Bank Account Number ? Any Previous Names of Accountholder ? Any Previous Addresses ? Home Telephone Number ? Social security number This information can be mailed to the address listed above, or faxed to my attention at [redacted] *** I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] ( [redacted] ***)I would be happy to assist youSincerely, Jenny W*** Consumer Relations Specialist
Dear [redacted] :Thank you for contacting Comenity BankWe issue multiple retail credit card accounts, and weare here to help with your questionsThe Revdex.com forwarded your complaint tomy attention, and I appreciate the opportunity to respond to your concerns.Please accept our deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity Bank.Afler reviewing our database, we are able to confirm that the telephone calls being made wereattempts to contact a customer regarding a personal business matterPlease be assured thatwe have updated our records and you should not receive any further telephone calls at thetelephone number ending in [redacted] from Comenity Bank.We hope you find this information helpfulIf you have any additional questions or concernsplease contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda R [redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank previously issued Value City Furniture credit card accounts, and we respond to account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunityto respond to your concernsWe understand from the correspondence that the Value City Furniture account that you were previously listed as an authorized buyer has been reporting negatively on your credit report and you would like the information removed We apologize for the inconvenience and frustration you may have experienced due to this situation.A review of the reporting did indicate some discrepancies Instructions were sent to the national credit-reporting agencies to delete above mentioned account in its entirety from your credit report Please allow the credit reporting agencies 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 Ms [redacted] Comenity Bank received a complaint, addressed to the Revdex.com, regarding the above-noted account As the bank that issues Roaman’s® credit card accounts, we respond to all account-related concerns Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you Thank you for taking the time to speak with me on July 1, 2016, regarding your experiences when you attempted to change your due date Based upon our conversation, we were able to determine that your complaint regarding your due date has been resolved after speaking with our Customer Care team on May 14, During your previous telephone call, we advised that your due date was changed to the 7th of every month, and that a late fee credit of $has been issued to the account, in the interest of customer service Please understand, when an account becomes past due, we are unable to request a due date change Once the minimum payment is received, and the account is brought current, the consumer has the ability to request a due date change Please keep in mind 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 and finance charge, as explained in the Credit Card Agreement (CCA) As of today’s date, the balance on your Roaman’s® account is $ A $payment posted to the account on July 1, To provide the best customer service possible, we offer multiple ways to make a payment Choose a payment method that's right for you Online: Online payments submitted before p.mEastern Time (ET) can be credited to your account same-day Online payments submitted after p.mET 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 Roaman’s® 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 p.mET to speak to a customer care representative A fee may apply to same-day, expedited payments made with the representative The above information and more can be found by visiting: [redacted] We value you as a customer, and we hope that 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, Amanda R**
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Ann Taylor credit cardWe are here to answer your questionsand assist with your concerns.We previously received and responded to your correspondence submitted to the ConsumerFinancial Protection Bureau regarding this same matterPlease find enclosed a copy of ourresponse dated January 12, 2018.Please note, we did not find any instance where an associate agreed to remove the accountand/or delinquency from your credit file.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Angela L***Compliance Dept– Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.You state you have been trying to pay your bill for at least six months and you have been passed around to people who can’t help you process your paymentYou state you called TransUnion in an attempt to have them contact someone so you could make a payment; however, the attempts were unsuccessfulYou do not feel safe sending a large check without talking to someone first about your growing billYou are requesting to talk to the company, pay your bill in the proper amount, and have the account removed from your credit bureau after it is paidWe have reviewed your account and we are happy to share our findingsWe have enclosed copies of your monthly billing statements, for your reviewYour monthly billing statements were mailed to the address of [redacted] Boulevard, Apartment ***, Kansas City, Missouri We have no record of the statements being returned by the post officePlease keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee and finance charge may be assessed to the account, as explained in the Credit Card AgreementOur records indicate a purchase of $posted to the account on November 5, On November 16, 2015, a billing statement was issued reflecting a balance of $43.54, and a minimum payment of $due by December 12, As no payment was received, a late fee and a finance charge were assessed to the accountOn December 17, 2015, a billing statement was issued reflecting a balance of $69.58, and a minimum payment of $due by January 12, As no payment was received, another late fee and a finance charge were assessed to the accountStatements continued to be sent monthly and, as no payments were received, late fees and finance charges continued to be assessedOn June 16, 2016, due to non-receipt of payment, the account was permanently closed, written off, and reported to the credit reporting agencies as an unpaid debt with a balance of $On June 22, 2016, the account was sold to [redacted] GroupAlthough we find the balance to be valid, in the interest of customer service, the Bank has made the decision to not hold you responsible for account balance of $We are in the process of purchasing your account back from [redacted] GroupOnce the process is complete, we will issue credits for the purchase of $and any accrued late fees and finance charges to bring the account to a zero balanceWe will also submit a request to the credit reporting agencies to delete the account from your credit fileI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Laura R [redacted] Laura R [redacted] Compliance Dept– Consumer Responses cc: Revdex.com Enclosures
Dear [redacted] :Thank you for contacting Comenity BankAs the bank that issues Victoria’s Secret credit card accounts, we are here to answer account-related questionsYour complaint submitted to the Revdex.com was forwarded to my attention for reviewI appreciate the opportunity to assist you.We understand from your complaint that you were injured from your job and lost employment in February 2015, which prevented you from making timely paymentsYou made attempts to pay the balance little by littleAfter being approved for Disability Social Security, you filed a claim with the Account Assure vendor, AON and the balance was paid in fullYou have recently opened a new business and you are trying to rebuild your credit history, as well as move to a new locationYour credit report is indicating that the account is closed, not active or working, and you would like the Bank to reinstate the account back to an active status, like when you first established the account.Please be assured that we reviewed your account and we are happy to explain our findings.Bank records indicate that as a result of the account becoming two payments delinquent in January 2015, the credit limit was lowered to zeroPlease note that when payment is not received, received after the payment due date, or the payment is made for less than the required minimum due, the account charging privileges may be suspended and the credit limit lowered to zero by the Bank, as explained in the Credit Card Agreement.As indicated in the complaint, the injury you sustained occurred February 21, 2015, which was a month after the credit limit was lowered to zeroThe Account Assure claim was filed in November and the benefit paid your account balance in full on December 9, 2015.The Bank is unwilling to auto reinstate the credit limit on your accountYou may contact our Customer Care team at any time to request a credit limit increaseThey can be reached at ###-###-####In doing so, please keep in mind that a credit bureau report may need reviewed to determine your eligibility for a credit limit increase.In addition, after review of the credit bureaus, we confirmed that Comenity Bank is not reporting the account as “closed”.We apologize for any frustration or inconvenience you have experienced, and we hope this information is helpfulIf you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear [redacted] We received a complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-dated questionsThe complaint, addressed to the Revdex.com, wasforwarded to my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint on April 28, 2015, regarding the same issueWe have enclosed a copy of ourprevious response for your recordsPlease be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Dear [redacted] Comenity Bank has received your additional correspondence regarding the above-referencedaccountComenity Bank issues the Lane Bryant credit card accountsWe are here to answeryour questions and assist with your concerns.We understand that you were given a credit to your account, and also made a payment, whichwould have been over the amount needed for your minimum paymentAs you have paid youraccount in full, you are requesting to receive a refund in the amount of $32.00.As previously advised when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.Please be advised, credits do not count towards the minimum amount due unless the accountwould be paid in fullAs your account had a remaining balance after your payment, and thepayment did not cover the minimum nor the full remaining balance, the late fee is valid.The Bank respectfully declines your request for a refund.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L***
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me; however it is possible that there may be two deliquency reports on my credit reportI would appreciate it if you could removed both deliquencies if there are in fact two Regards, [redacted]
We received your complaintsubmitted to the Revdex.com, regarding the above-referencedaccount Comenity Bank issues PINK/Victoria's Secret credit cards, and we are here to help answer allaccount-related questionsYour complaint was forwarded to my attention for review, and I appreciate theopportunity to assist you.Your complaint states that your credit card account was recently declined for a purchase and that you paid thebalance in full on May 16, You contacted the Bank's Customer Care team to find out that your limit wascancelled based on multiple late paymentsYou believe that the Bank should reinstate your credit cardaccount or provide you with creditsas you were never advised that the account would be cancelledPleasefind a summary of the PINK/Victoria's Secret account belowI have enclosed a copy of the account CreditCard Agreement (CCA), as well as copies of your billing statements, which show the account activity thatcomprised the account balance and delinquencies.A charge for $posted to your account on September 30,On October 7, 2014, a monthly billingstatement was sent to you, and payment of $was due on November 2,2014; payment was not received.A billing statement was sent to you on November 2014, and payment of was due on December 2,Payment far $was made at the store and posted to your aecount on December 3, 2014, whichbrought the account current.On December 7,2014, and January 7, 2015, billing statements were issued to you, and payments were due onJanuary 2, 2015, and February 2, Payment for $was made by telephone with the Bank and postedto your account on March 4, As a result of the late payment, the account became two billing periods pastdue and was reported as 30-days delinquent to the credit bureaus for February 2015.Furthermore, on March 7, 2015, and April 6, 2015, billing statements were issued to you, and payments weredue on April 2,2015, and May 2,Payment for $was received on May 16, As a result of thelate payments, the account became two billing periods past due and was reported as days delinquent to thecredit bureaus for May Also, at this time, the PINK/Victoria's Secret account was not terminated;however, the account credit limit was suspended and decreased to zero.As no Bank errors were found, we are unwilling to automatically reinstate the credit limit, or issue credit to theaccountIf you would like to apply for a credit limit increase, you may do so by calling our Customer Careteam, toll free, at Please keep in mind, the Bank will review a current credit bureau report.We apologize for any confusion or frustration you have experienced, and we hope this information is helpfulIfyou have further questions regarding this letter, please do not hesitate to contact me at 1.800.675.5685, sxt[redacted] (TDD/TTY 1.800.695.1788)I will be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
May I please request an extension on this complaint? I am still researching her concerns and we also received a billing dispute as well regarding the balancePlease advise if this extension has been grantedThank you and have a great day!Laura R [redacted] Consumer Relations SpecialistConsumer Relations Group Alliance Data Retail Services [redacted] ***Office: ###-###-####Toll Free: ###-###-####, ext [redacted]
Dear Elizabeth Knight: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria's Secret Angel credit cardWe are here to answer your questions and assist with your concerns I understand that you have received two late fees on your account, and feel that they are unfair and should be removed Please be advised, the due date on your account is the 16th of every monthKeep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement Our records indicate on May 5, 2017, a late fee in the amount of $was removed from the accountWe respectfully decline your request to remove the additional late fee I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KW [redacted] Kristina W [redacted] Compliance Dept– Consumer Responses