I have faxed you the information you requested this morning. I do not have an account number because I do not have an account with you so I sent you what the credit report and Experian sent me that show a partial account number but has all the info you should need to get this removed from my report. If you need more let me know.
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]
Dear Ms. [redacted]:We received your complaint regarding the account noted above. Cornenity Bank previouslyissued Fashion Bug credit cards and we are here to help with your account-related questionsand concerns. Your complaint, addressed to the Revdex.com, was forwarded to myattention and I...
appreciate the opportunity to assist you.1 understand from your complaint, on July 31, 201 5, you accessed your Fashion Bug credit cardvia Account Center to secure a $45.00 payment to post on August 6, 2015. On August 17,2015, you received a payment reminder from Comenity Bank referencing your Fashion Bugcredit card account, which prompted you to contact our customer service department. A Bankrepresentative reviewed your Fashion Bug account, and advised, that account notes indicatedyou logged into your account on July 31, 2015; however, the payment for $45.00 did not post.You were also advised that due to your excellent payment history, the $25.00 late fee assessedto your Fashion Bug account would be removed.You are requesting Comenity Bank credit the $25.00 late fee.I apologize for any frustration or inconvenience you have experienced as a result of this matter.In the interest of customer service, we have issued a credit in the amount of $25.00 for thepreviously assessed late fee to your Fashion Bug credit card account, which will reflect on yournext monthly billing statement. Please note, Comenity Bank is unwilling to credit any additionallate fees assessed to your Fashion Bug credit card account.I hope you find this information to be helpful. Should you have additional questions or concernsabout this issue, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Geanine M[redacted]
Dear [redacted]:We received the inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues ANN TAYLOR credit card accounts, and we are here to help with your account-related questions. Your inquiry was forwarded to my...
attention, and I appreciate the opportunity to address your concerns. We understand from your correspondence, you purchased a gift at an Ann Taylor store and signed up for a credit card. When the invoice was sent to you, it was addressed from Comenity Bank, not Ann Taylor. You did not realize that Comenity Bank would be issuing the credit card and you must have thrown the invoice out with your junk mail. When you received a phone call from Comenity Bank, you paid the balance in full. You are requesting that the 30-day delinquency is removed from your credit report and you ask for a letter confirming the removal and that the account is in good standing.Our records indicate on January 25, 2015, an ANN TAYLOR credit application was processed at the store; the application was approved and an account was opened. At that time, the store associate should have issued you Comenity Bank’s Credit Card Agreement (CCA), and Privacy Notice. Use of the account, or failure to close the account within 30 days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges, and fees. On January 26, 2015, Comenity Bank mailed your “Welcome Kit” which included your ANN TAYLOR credit card and a copy of the CCA.On the same day, the account was opened, and a purchase for $109.82 was charged to the account. A statement was issued on February 19, 2015, indicating a balance of $109.82 with a payment of $25.00, due by March 17, 2015. A second statement was issued on March 22, 2015, indicating a balance of $137.28 with a payment of $32.00 due by April 17, 2015. As no payment was received by the March 17, 2015, and April 17, 2015, due dates, late fees and finance charges were assessed to the account. Furthermore, the account fell two billing cycles past due and was reported as 30-days late on your credit report. On May 11, 2015, a payment in the amount of $187.24, was received, bringing the account balance to zero.Please understand that Comenity Bank can only remove or change information that our company incorrectly furnished to the credit-reporting agencies. After reviewing our records, we found the information we reported is accurate and it will not be adjusted or removed.We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to potential creditors why the account became past due, and it may contribute to their decision. The credit bureaus may be reached by using the following information: Experian (TRW) Trans Union (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 sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter, and we hope you find this information helpful. Should you have any further questions or concerns regarding the account, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Tionna M[redacted]
Dear Ms. [redacted]Thank you for contacting the Revdex.com, regarding the above-referenced accounts. Comenity Bankissues the above-referenced credit card accounts, and we are here to help with account-related questions. Yourcomplaint was forwarded to my attention, and I appreciate the...
opportunity to assist you.Your correspondence states that, during a conversation with the Bank, you told the representative you could notmake a payment until August 26, 2016. During that conversation, you scheduled payments for your abovereferencedaccounts to be made on August 26, 2016. When you checked your deposit account on August 26,2016, you found that two attempts to withdraw the funds from your personal deposit account had been made foreach account before August 26, 2016, resulting in six overdraft fees of $33.00 from your bank. You called theBank and were told to file a dispute. You asked the representative to listen to the applicable telephone call andat first, were given incorrect information regarding the content of the conversation. Subsequently, you listenedto the call simultaneously with a Bank representative and found that you had in fact requested the payments tobe arranged for August 26, 2016.We previously received and responded to your correspondence submitted to the State of Delaware regardingthis same matter. Please find enclosed a copy of our response sent to you on October 21, 2016.In our previous response, we advised that you did in fact request the payments to be scheduled for August 26,2016; however, when the representative read back the details of the transactions during the disclosure, sheconfirmed the payments would be processed on August 16, 2016; and you agreed to the terms. We apologizefor the inconvenience this has caused. 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 thisstandard was not met. Please be assured this matter has been forwarded to our management team for furtherreview and coaching.I hope you found this information to be helpful. Should you have any additional questions or concerns about theaccount, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Amanda R**
Dear Mr. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues BrylaneHomeD credit card accounts, and we arehere to assist you with all account-related questions or concerns. I appreciate the opportunity torespond to...
your concerns.We understand from your complaint that you are being charged late fees even though youbelieve you have paid your bill on time for three years. You are requesting the late fees beremoved, to no longer be contacted by telephone, and catalogs and bills to no longer be sent.Enclosed are billing statements which show the account activity that comprised the accountbalance. Use of the account, or failure to close the account within 30 days of receiving theCredit Card Agreement (CCA), jndicated your acceptance of the terms of the agreement.including the assessment of any finance charges and fees.Banks records indicate the BrylaneHome account was opened on April 14, 2013. The lastpurchase of $239.95 was made on April 23, 2013, and the last payment of $30.00 was receivedon December 31, 2015. As of the date of this letter. the account balance is $661 24 with aminimum payment of $55.00 due by February 28. 2016. The account is one billing period pastdue.Your payment due date is the 28th of each month. Please keep in mind that when payments arenot received, are received after the due date, or are made for less than the minimum required,the account will be assessed a late fee, as explained in the CCA.As the Bank finds the above-referenced account balance to be valid, we respectfully decline therequest to remove any late fees. Billing statements will be issued until the account is paid in fullor if the account charges off for nor-payment.Additionally, per your request, we have updated the status on the acwunt to ensure that you nolonger receive telephone calls from Comenity Bank regarding the BrylaneHome@account. However, the Bank may contact you by mail, or service of court filing, which would bein compliance with state and federal law.As of February 12, 2016, the Bank requested the catalogs to be canceled. Please allow 4-6weeks for the catalogs to stop.I hope you find this information to be helpful. If you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda RayCC: Revdex.com
None of the following answered why I am not receiving my billing statements online, phone or even thought mail. How am I suppose to pay a bill when I haven't reicieved if. [redacted] is an active email address and I still used hat email. I do not want to do online statements. I want to state reviewing my bill in a paper statement unless they can send me the statement in both ways to ensure I am receiving my monthly statement. Which is what we all want. I have been a loyal Victoria secret card holder this past year I have been having non stop trouble with receiving billing statements or getting into my account. I have contacted Victoria secret on three or four different times about the billing system not working. Please makes the proper corrections.
Regards,
[redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted]’s credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint in which you state you made a payment in full...
the same day you made your purchase. You further state you do not owe a balance on the account and you are requesting that the account be adjusted to show a zero balance. We understand your concerns, and apologize for any frustration this may have caused you.Our records indicate that on July 7, 2016, a [redacted]’s account was opened in the name of [redacted]. A purchase of $27.38 was charged to the account the same day. If you have documentation that confirms the purchase was paid for using another method of payment, please send the documentation to the address above.Based on the information in your complaint, we have issued a credit for all Bank fees assessed to the account. This left a credit of $132.16 on the account; therefore, the Bank issued a refund check in this amount. You should receive this within 14 days under separate cover.In addition, notification has been sent to the national credit-reporting agencies with instructions to delete the [redacted]’s account, in its entirety. Please allow 45 days for the credit-reporting agencies to update their records.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the...
above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. Your correspondence states that your account is caught up on payments and that you were never notified or read your mini Miranda rights before the Bank reported your account delinquent to the national credit reporting agencies. You are requesting that the Bank remove all the delinquencies from your credit bureau report. We understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. 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. Bank records indicate that your due date is the 13th of each month. Please be advised that on May 18, 2017, the Bank issued a statement to you showing a balance of $160.86 with a minimum payment of $27.00 due by June 13, 2017. The Bank did not receive your payment and as a result, a late fee was assessed to your account. Your account became one billing period past due. On June 17, 2017, a statement was issued showing a balance of $195.19 with a minimum payment of $32.00 due by July 13, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became two billing periods past due. On July 18, 2017, a statement was issued to you showing a balance of $262.03 with a minimum payment of $42.00 due by August 13, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became three billings past due. On August 18, 2017, a statement was issued to you showing a balance of $305.04 with a minimum payment of $57.00 due by September 13, 2017. The Bank received a payment of $42.00 on August 25, 2017, and a payment of $15.00 on September 1, 2017, which brought the account current. Please be advised that any time an account falls two or more billing periods past due, the Bank will report the account as delinquent to the national credit reporting agencies. Furthermore, the Bank is only willing to remove or change information that our company incorrectly furnished to the credit reporting agencies. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information. Therefore, this information will not be changed or removed from your credit bureau report. I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at [redacted] Sincerely, Jenny W[redacted]
Dear Ms. [redacted]:We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Roaman's@ credit card accounts, and we are here toassist you with all account-related questions. 1 appreciate the opportunity to respond to...
yourconcerns.We understand from your complaint that you state this is your second letter of dispute. Youfurther state you paid off your balance in January of 2015, with your payment of $139.23 andyou requested to be removed from our mailing list.Bank records indicate you have placed multiple orders with Roaman's that you charged to yourRoaman's@ credit card account. I have enclosed copies of your billings statements which showthe account activity that comprised the account balance.Bank records indicate a billing statement was sent to you on January 11, 2015, reflecting abalance of $233.71, and a payment of $20.00 due by February 6, 2015. This statementincluded your return credit of $94.98,w hich posted to your account on January 4. 2015.The Bank received your payment of $139.23 on January 30, 2015. As this payment did notsatisfy the full balance, billing statements continued to be issued. As no further payments werereceived, late fees and finance charges were assessed to the account, pursuant to theguidelines of the Credit Card Agreement. A ~opyof the CCA has also been enclosed for yourrecords.On September 10, 2015, your Roaman'sQ account was written off, as an unpaid debt, andreported to the national credit-reporting agencies with a balance of $306.78. This informationcould remain on your credit report for seven years.Please be aware, the Bank has no record of receiving a letter from you in April of 2015.As you requested, you have been removed from our mailing list. Please allow up to six weeksfor the mailings to stop.If you would like to negotiate a settlement on this account, please contact our Recovery team at###-###-####.If you have further questions regarding the orders billed to your account, please contactRoaman's at ###-###-####.The Bank has reviewed the issues in your complaint, as well as the applicable phoneconversations. We apologize if you felt that you did not receive the best customer service. It isnever the Bank's intention to treat our customers in a less-than-satisfactory manner. ComenityBank is committed to providing the best customer service and is disappointed when a customerfeels that this standard was not met.I hope this information is helpful. If you have further questions or concerns, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R[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]
The billing statement will be sent via mail with the response. Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued the Fashion Bug credit card. We are here to answer your questions and...
assist with your concerns. We understand from your complaint that the account was opened August 6, 2013, and the last payment was made April 1, 2013. You state you used the credit account at two stores in Maine, which have closed. You state you do not have the card number. I am happy to share my findings. Bank records indicate the account was opened August 6, 2009. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase posted to the account in the amount $78.79 on July 30, 2012, and the last payment posted in the amount of $46.95 on April 16, 2013. Our records further indicate, the account was closed per your request on March 13, 2017. We have included a billing statement, for your records, which provides the account number. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. �...⇄ Sincerely, Kaija M[redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues POTTERY BARN 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 the POTTERY BARN account is inaccurately reporting on your credit report and you are requesting that the account be removed from your credit report. You would like a settlement of $2,500.00 for compensation. I apologize for any inconvenience this matter may have caused you. Please be advised that the account has been purged from our records. Comenity Bank reports the same information to each of the national credit-reporting agencies. However, a review of the information being reported in regard to the account did indicate that a credit-reporting agency is still reporting the account as open. Please be assured that notification has been sent to the national credit-reporting agencies with the changes that need to be made. Please allow up to 45 days for their records to be updated. Comenity Bank respectfully declines your request for compensation. 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]
Hello Revdex.com,This complaint is regarding the customer's Angel Card credit account, which is owned and managed by Comenity Bank. Victoria's Secret Digital and Victoria's Secret Stores does not have access to resolve a customer's concerns with their credit card. This will need to be...
sent to Comenity Bank for resolution. If the customer has a question or concern regarding an order she placed online, or a purchase she made in the store, we will be happy to assist her. For order/purchase concerns, she may contact our Customer Care team at ###-###-####, seven days a week. Sincerely,[redacted]Senior Customer Care Associate
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]
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**
MY HUSBAND, [redacted] HAS GIVEN PERMISSION FOR ME TO SPEAK ON HIS BEHALF, AND HE SPOKE WITH NUMEROUS PEOPLE ABOUT THIS. I DONT THINK WE EVER GOT TO SPEAK WITH ANYONE FROM COMENITY ABOUT THIS. [redacted] HAD HIP REPLACEMENT SURGERY 01/10/2017. HE SPOKE WITH [redacted] YESTERDAY, 01/16/2017. MR B[redacted] SAID THAT ALL OUR INSURANCES WERE TERMINATED, BUT THERE ARE STILL CHARGES ON OUR ACCOUNT, AS YOU CAN SEE BY THE MOST RECENT STATEMENT. THIS WHOLE THING HAS TURNED INTO A NIGHTMARE. BY ALL MEANS, CORRESPOND WITH MY HUSBAND.
Regards, [redacted] and [redacted]
I am sorry for the delay in response to you. My ID no[redacted] on the complaint of Comenity Bank.I was very happy & satisfied you had gotten the complaint resolved. I knew I had returned everything & Old Pueblo did acknowledge it, but for what ever reason Comenity would not believe it. It had been a long battle for me. thank you so much for proving to them I did not owe them money. I am also thankful to the person, that told me about you folks at Revdex.com.I have been sick & are headed back to the Dr. this afternoon, but improving & so no need for it to go into review. My apologies again, for the delay in answering. And many many thanks.Sincerely, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. However, I don't understand why customer service couldn't have fixed this issue. It makes me believe these things are done on purpose.
I have faxed you the information you requested this morning. I do not have an account number because I do not have an account with you so I sent you what the credit report and Experian sent me that show a partial account number but has all the info you should need to get this removed from my report. If you need more let me know.
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]
Dear Ms. [redacted]:We received your complaint regarding the account noted above. Cornenity Bank previouslyissued Fashion Bug credit cards and we are here to help with your account-related questionsand concerns. Your complaint, addressed to the Revdex.com, was forwarded to myattention and I...
appreciate the opportunity to assist you.1 understand from your complaint, on July 31, 201 5, you accessed your Fashion Bug credit cardvia Account Center to secure a $45.00 payment to post on August 6, 2015. On August 17,2015, you received a payment reminder from Comenity Bank referencing your Fashion Bugcredit card account, which prompted you to contact our customer service department. A Bankrepresentative reviewed your Fashion Bug account, and advised, that account notes indicatedyou logged into your account on July 31, 2015; however, the payment for $45.00 did not post.You were also advised that due to your excellent payment history, the $25.00 late fee assessedto your Fashion Bug account would be removed.You are requesting Comenity Bank credit the $25.00 late fee.I apologize for any frustration or inconvenience you have experienced as a result of this matter.In the interest of customer service, we have issued a credit in the amount of $25.00 for thepreviously assessed late fee to your Fashion Bug credit card account, which will reflect on yournext monthly billing statement. Please note, Comenity Bank is unwilling to credit any additionallate fees assessed to your Fashion Bug credit card account.I hope you find this information to be helpful. Should you have additional questions or concernsabout this issue, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Geanine M[redacted]
Dear [redacted]:We received the inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues ANN TAYLOR credit card accounts, and we are here to help with your account-related questions. Your inquiry was forwarded to my...
attention, and I appreciate the opportunity to address your concerns. We understand from your correspondence, you purchased a gift at an Ann Taylor store and signed up for a credit card. When the invoice was sent to you, it was addressed from Comenity Bank, not Ann Taylor. You did not realize that Comenity Bank would be issuing the credit card and you must have thrown the invoice out with your junk mail. When you received a phone call from Comenity Bank, you paid the balance in full. You are requesting that the 30-day delinquency is removed from your credit report and you ask for a letter confirming the removal and that the account is in good standing.Our records indicate on January 25, 2015, an ANN TAYLOR credit application was processed at the store; the application was approved and an account was opened. At that time, the store associate should have issued you Comenity Bank’s Credit Card Agreement (CCA), and Privacy Notice. Use of the account, or failure to close the account within 30 days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges, and fees. On January 26, 2015, Comenity Bank mailed your “Welcome Kit” which included your ANN TAYLOR credit card and a copy of the CCA.On the same day, the account was opened, and a purchase for $109.82 was charged to the account. A statement was issued on February 19, 2015, indicating a balance of $109.82 with a payment of $25.00, due by March 17, 2015. A second statement was issued on March 22, 2015, indicating a balance of $137.28 with a payment of $32.00 due by April 17, 2015. As no payment was received by the March 17, 2015, and April 17, 2015, due dates, late fees and finance charges were assessed to the account. Furthermore, the account fell two billing cycles past due and was reported as 30-days late on your credit report. On May 11, 2015, a payment in the amount of $187.24, was received, bringing the account balance to zero.Please understand that Comenity Bank can only remove or change information that our company incorrectly furnished to the credit-reporting agencies. After reviewing our records, we found the information we reported is accurate and it will not be adjusted or removed.We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to potential creditors why the account became past due, and it may contribute to their decision. The credit bureaus may be reached by using the following information: Experian (TRW) Trans Union (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 sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter, and we hope you find this information helpful. Should you have any further questions or concerns regarding the account, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Tionna M[redacted]
Dear Ms. [redacted]Thank you for contacting the Revdex.com, regarding the above-referenced accounts. Comenity Bankissues the above-referenced credit card accounts, and we are here to help with account-related questions. Yourcomplaint was forwarded to my attention, and I appreciate the...
opportunity to assist you.Your correspondence states that, during a conversation with the Bank, you told the representative you could notmake a payment until August 26, 2016. During that conversation, you scheduled payments for your abovereferencedaccounts to be made on August 26, 2016. When you checked your deposit account on August 26,2016, you found that two attempts to withdraw the funds from your personal deposit account had been made foreach account before August 26, 2016, resulting in six overdraft fees of $33.00 from your bank. You called theBank and were told to file a dispute. You asked the representative to listen to the applicable telephone call andat first, were given incorrect information regarding the content of the conversation. Subsequently, you listenedto the call simultaneously with a Bank representative and found that you had in fact requested the payments tobe arranged for August 26, 2016.We previously received and responded to your correspondence submitted to the State of Delaware regardingthis same matter. Please find enclosed a copy of our response sent to you on October 21, 2016.In our previous response, we advised that you did in fact request the payments to be scheduled for August 26,2016; however, when the representative read back the details of the transactions during the disclosure, sheconfirmed the payments would be processed on August 16, 2016; and you agreed to the terms. We apologizefor the inconvenience this has caused. 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 thisstandard was not met. Please be assured this matter has been forwarded to our management team for furtherreview and coaching.I hope you found this information to be helpful. Should you have any additional questions or concerns about theaccount, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Amanda R**
Dear Mr. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues BrylaneHomeD credit card accounts, and we arehere to assist you with all account-related questions or concerns. I appreciate the opportunity torespond to...
your concerns.We understand from your complaint that you are being charged late fees even though youbelieve you have paid your bill on time for three years. You are requesting the late fees beremoved, to no longer be contacted by telephone, and catalogs and bills to no longer be sent.Enclosed are billing statements which show the account activity that comprised the accountbalance. Use of the account, or failure to close the account within 30 days of receiving theCredit Card Agreement (CCA), jndicated your acceptance of the terms of the agreement.including the assessment of any finance charges and fees.Banks records indicate the BrylaneHome account was opened on April 14, 2013. The lastpurchase of $239.95 was made on April 23, 2013, and the last payment of $30.00 was receivedon December 31, 2015. As of the date of this letter. the account balance is $661 24 with aminimum payment of $55.00 due by February 28. 2016. The account is one billing period pastdue.Your payment due date is the 28th of each month. Please keep in mind that when payments arenot received, are received after the due date, or are made for less than the minimum required,the account will be assessed a late fee, as explained in the CCA.As the Bank finds the above-referenced account balance to be valid, we respectfully decline therequest to remove any late fees. Billing statements will be issued until the account is paid in fullor if the account charges off for nor-payment.Additionally, per your request, we have updated the status on the acwunt to ensure that you nolonger receive telephone calls from Comenity Bank regarding the BrylaneHome@account. However, the Bank may contact you by mail, or service of court filing, which would bein compliance with state and federal law.As of February 12, 2016, the Bank requested the catalogs to be canceled. Please allow 4-6weeks for the catalogs to stop.I hope you find this information to be helpful. If you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda RayCC: Revdex.com
None of the following answered why I am not receiving my billing statements online, phone or even thought mail. How am I suppose to pay a bill when I haven't reicieved if. [redacted] is an active email address and I still used hat email. I do not want to do online statements. I want to state reviewing my bill in a paper statement unless they can send me the statement in both ways to ensure I am receiving my monthly statement. Which is what we all want. I have been a loyal Victoria secret card holder this past year I have been having non stop trouble with receiving billing statements or getting into my account. I have contacted Victoria secret on three or four different times about the billing system not working. Please makes the proper corrections.
Regards,
[redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted]’s credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint in which you state you made a payment in full...
the same day you made your purchase. You further state you do not owe a balance on the account and you are requesting that the account be adjusted to show a zero balance. We understand your concerns, and apologize for any frustration this may have caused you.Our records indicate that on July 7, 2016, a [redacted]’s account was opened in the name of [redacted]. A purchase of $27.38 was charged to the account the same day. If you have documentation that confirms the purchase was paid for using another method of payment, please send the documentation to the address above.Based on the information in your complaint, we have issued a credit for all Bank fees assessed to the account. This left a credit of $132.16 on the account; therefore, the Bank issued a refund check in this amount. You should receive this within 14 days under separate cover.In addition, notification has been sent to the national credit-reporting agencies with instructions to delete the [redacted]’s account, in its entirety. Please allow 45 days for the credit-reporting agencies to update their records.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the...
above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. Your correspondence states that your account is caught up on payments and that you were never notified or read your mini Miranda rights before the Bank reported your account delinquent to the national credit reporting agencies. You are requesting that the Bank remove all the delinquencies from your credit bureau report. We understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. 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. Bank records indicate that your due date is the 13th of each month. Please be advised that on May 18, 2017, the Bank issued a statement to you showing a balance of $160.86 with a minimum payment of $27.00 due by June 13, 2017. The Bank did not receive your payment and as a result, a late fee was assessed to your account. Your account became one billing period past due. On June 17, 2017, a statement was issued showing a balance of $195.19 with a minimum payment of $32.00 due by July 13, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became two billing periods past due. On July 18, 2017, a statement was issued to you showing a balance of $262.03 with a minimum payment of $42.00 due by August 13, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became three billings past due. On August 18, 2017, a statement was issued to you showing a balance of $305.04 with a minimum payment of $57.00 due by September 13, 2017. The Bank received a payment of $42.00 on August 25, 2017, and a payment of $15.00 on September 1, 2017, which brought the account current. Please be advised that any time an account falls two or more billing periods past due, the Bank will report the account as delinquent to the national credit reporting agencies. Furthermore, the Bank is only willing to remove or change information that our company incorrectly furnished to the credit reporting agencies. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information. Therefore, this information will not be changed or removed from your credit bureau report. I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at [redacted] Sincerely, Jenny W[redacted]
Thank you Revdex.com!!! I received my check and a letter of apology!!
Dear Ms. [redacted]:We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Roaman's@ credit card accounts, and we are here toassist you with all account-related questions. 1 appreciate the opportunity to respond to...
yourconcerns.We understand from your complaint that you state this is your second letter of dispute. Youfurther state you paid off your balance in January of 2015, with your payment of $139.23 andyou requested to be removed from our mailing list.Bank records indicate you have placed multiple orders with Roaman's that you charged to yourRoaman's@ credit card account. I have enclosed copies of your billings statements which showthe account activity that comprised the account balance.Bank records indicate a billing statement was sent to you on January 11, 2015, reflecting abalance of $233.71, and a payment of $20.00 due by February 6, 2015. This statementincluded your return credit of $94.98,w hich posted to your account on January 4. 2015.The Bank received your payment of $139.23 on January 30, 2015. As this payment did notsatisfy the full balance, billing statements continued to be issued. As no further payments werereceived, late fees and finance charges were assessed to the account, pursuant to theguidelines of the Credit Card Agreement. A ~opyof the CCA has also been enclosed for yourrecords.On September 10, 2015, your Roaman'sQ account was written off, as an unpaid debt, andreported to the national credit-reporting agencies with a balance of $306.78. This informationcould remain on your credit report for seven years.Please be aware, the Bank has no record of receiving a letter from you in April of 2015.As you requested, you have been removed from our mailing list. Please allow up to six weeksfor the mailings to stop.If you would like to negotiate a settlement on this account, please contact our Recovery team at###-###-####.If you have further questions regarding the orders billed to your account, please contactRoaman's at ###-###-####.The Bank has reviewed the issues in your complaint, as well as the applicable phoneconversations. We apologize if you felt that you did not receive the best customer service. It isnever the Bank's intention to treat our customers in a less-than-satisfactory manner. ComenityBank is committed to providing the best customer service and is disappointed when a customerfeels that this standard was not met.I hope this information is helpful. If you have further questions or concerns, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R[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]
The billing statement will be sent via mail with the response. Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued the Fashion Bug credit card. We are here to answer your questions and...
assist with your concerns. We understand from your complaint that the account was opened August 6, 2013, and the last payment was made April 1, 2013. You state you used the credit account at two stores in Maine, which have closed. You state you do not have the card number. I am happy to share my findings. Bank records indicate the account was opened August 6, 2009. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase posted to the account in the amount $78.79 on July 30, 2012, and the last payment posted in the amount of $46.95 on April 16, 2013. Our records further indicate, the account was closed per your request on March 13, 2017. We have included a billing statement, for your records, which provides the account number. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. �...⇄ Sincerely, Kaija M[redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues POTTERY BARN 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 the POTTERY BARN account is inaccurately reporting on your credit report and you are requesting that the account be removed from your credit report. You would like a settlement of $2,500.00 for compensation. I apologize for any inconvenience this matter may have caused you. Please be advised that the account has been purged from our records. Comenity Bank reports the same information to each of the national credit-reporting agencies. However, a review of the information being reported in regard to the account did indicate that a credit-reporting agency is still reporting the account as open. Please be assured that notification has been sent to the national credit-reporting agencies with the changes that need to be made. Please allow up to 45 days for their records to be updated. Comenity Bank respectfully declines your request for compensation. 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]
Hello Revdex.com,This complaint is regarding the customer's Angel Card credit account, which is owned and managed by Comenity Bank. Victoria's Secret Digital and Victoria's Secret Stores does not have access to resolve a customer's concerns with their credit card. This will need to be...
sent to Comenity Bank for resolution. If the customer has a question or concern regarding an order she placed online, or a purchase she made in the store, we will be happy to assist her. For order/purchase concerns, she may contact our Customer Care team at ###-###-####, seven days a week. Sincerely,[redacted]Senior Customer Care Associate
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]
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**
MY HUSBAND, [redacted] HAS GIVEN PERMISSION FOR ME TO SPEAK ON HIS BEHALF, AND HE SPOKE WITH NUMEROUS PEOPLE ABOUT THIS. I DONT THINK WE EVER GOT TO SPEAK WITH ANYONE FROM COMENITY ABOUT THIS. [redacted] HAD HIP REPLACEMENT SURGERY 01/10/2017. HE SPOKE WITH [redacted] YESTERDAY, 01/16/2017. MR B[redacted] SAID THAT ALL OUR INSURANCES WERE TERMINATED, BUT THERE ARE STILL CHARGES ON OUR ACCOUNT, AS YOU CAN SEE BY THE MOST RECENT STATEMENT. THIS WHOLE THING HAS TURNED INTO A NIGHTMARE. BY ALL MEANS, CORRESPOND WITH MY HUSBAND.
Regards, [redacted] and [redacted]
I am sorry for the delay in response to you. My ID no[redacted] on the complaint of Comenity Bank.I was very happy & satisfied you had gotten the complaint resolved. I knew I had returned everything & Old Pueblo did acknowledge it, but for what ever reason Comenity would not believe it. It had been a long battle for me. thank you so much for proving to them I did not owe them money. I am also thankful to the person, that told me about you folks at Revdex.com.I have been sick & are headed back to the Dr. this afternoon, but improving & so no need for it to go into review. My apologies again, for the delay in answering. And many many thanks.Sincerely, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. However, I don't understand why customer service couldn't have fixed this issue. It makes me believe these things are done on purpose.