Dear [redacted]We received your complaint, sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. I appreciate the opportunity to assist you.Your complaint...
states that the Victoria’s Secret/PINK account was placed on a fraud hold although you have provided your personal information, by phone, on multiple occasions. You also state that you will not send in the personal information, such as the front/back of your driver’s license, social security card, or utility bill, as someone may be able to copy and use the information.We reviewed your account and we apologize for any frustration or inconvenience this matter has caused you.Comenity Bank received notice from the Loss Prevention team at Victoria’s Secret regarding information that is consistent with suspicious activity. As such, Comenity Bank blocked the account on June 19, 2015, to deter your account from being used fraudulently.It is not the Bank’s intention to cause a customer a hardship. It is the Bank’s responsibility to protect the customer’s privacy of information and account from possible fraudulent activity. As such, in order to remove the block and establish account utility, we must receive a copy of your driver’s license, social security card, and a current utility bill.I have spoken to our Account Protection management team, and they are willing to have you scan and email the information for a faster response than normal, which by mail, can take up to 30 days. If you would like to take advantage of this, you can email the information to the attention of Abby Kritikos-Account Protection Manager at [email protected] be advised that without receiving this information, Comenity Bank is unable to remove the block from your account.You are a valued customer and we hope this information is helpful. Should you have any further questions or concerns, please contact the Account Protection team; toll free, at ###-###-#### (TDD/TTY ###-###-####). They will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear STEVENSKEES,Thank you for contacting Comenity Bank . As the bank that issues your Meijer MasterCard® account,we'rehere to help with your questions.We are in receipt of your letter dated 12/06/2016 requesting that we investigate information reported onyour credit file.To address concern,we have...
updated our records and notified thereporting agencies of the changes that need to be made your credit report.This change shouldreflected on your credit file within the next 45 calendar days.We value you as a customer and apologize for any inconvenience this may have caused. Iffurther questions about your account,please contact us at ###-###-####(TDD/TTY: ###-###-#### ). We will be happy to help you.Sincerely,Customer Careteam
Dear [redacted] Comenity Bank (Bank) has received your correspondence. We are here to answer your questions and assist with your concerns. We would like to assist you in resolving this matter. Comenity Bank issues Dress Barn credit cards. Please note Comenity Bank and Dress...
Barn are two separate entities. The Bank issues, and is responsible for addressing questions related to, the Dress Barn credit card account. Dress Barn is responsible for handling matters related to sales, merchandise processing, returns and shipping. After a review of our records, we were unable to locate a Dress Barn account or an email address using the information you provided. In your correspondence, you indicated that you had email confirmations saved. Please provide us copies of the emails. Once this information has been received, we will be able to further investigate. Please send this information to my attention at the address shown above. In addition, you have asked that you receive no more emails from [redacted] Please be advised that Comenity Bank and [redacted] have no association. We encourage you to contact [redacted] directly to resolve any concerns you may have. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y[redacted]
during the time period they claim I was overdue, their own employees told me I didn't owe any payment. That may have been a mistake on their end but that is not my problem and they cannot hold me accountable for their mistake. Either they update my credit report as a result of this Revdex.com complaint or next I will file a lawsuit. I am VERY confident that I am correct and I will take this as far as I need to.[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Williams Sonoma [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your...
correspondence, submitted to the Revdex.com, that you have tried several times to access the Bank’s Account Center and it does not recognize your information. You have contacted the Bank with no success. You state that the payment is due June 17, 2017, and you request the account not be assessed any interest. We have reviewed the concerns in your correspondence. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. After a thorough review of the account, our records indicate that a payment of $563.96 was received on June 6, 2017. Please be advised that as of the date of this letter, the account balance is zero and no additional interest charges have been applied to the account. In regard to signing onto the Account Center, please feel free to contact me at the number below for assistance. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted] Compliance Dept. – Consumer Responses
Thank you for contacting the RevDex.com regarding the above-noted account. Comenity Bank issues your CREDO Visa account, and we respond to all
account-related concerns. Your
correspondence was forwarded to my attention, and I appreciate the opportunity
to assist you. We...
understand from your complaint that you
made a return to your account and you are requesting that the shipping and
handling be credited to your account.Our records indicate that we recently
received a dispute for this matter. Please be assured that on November 20, 2015, Comenity Bank issued a
credit to your account in the amount of $7.95 for the shipping and handling
that was not credited to your account by the merchant. This credit will appear on your next billing
statement.We apologize for any frustration or
inconvenience that you may have experienced regarding this matter. Should you have any further questions or
concerns, please contact me at ###-###-####, ext. 7293165 (TDD/TTY
###-###-####). I would be happy to
assist you. Sincerely, Justina
M[redacted]Consumer
Relations Specialist
Dear [redacted] We received your complaint, submitted to the Revdex.com. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. Your complaint was forwarded to my attention for review, and I appreciate the...
opportunity to assist you. Your complaint states that Comenity Bank calls you weekly on your cell phone and leaves threatening voice mails, which indicate that you will go to jail if payment is not made using your debit card for the balance on the Victoria’s Secret/PINK credit card account. You have stated that the Bank is to never call your cell phone again or leave a voice mail. Please be assured that Comenity Bank complies with all local, state, and federal laws. After researching our records, using the information you provided, we were unable to locate a Victoria’s Secret/PINK credit card account in your name. In order for the Bank to comply with your request, we need additional information. Please provide is with the following: • Full name as listed on the account • Complete address as listed on the account • The telephone number as listed on the account • Social Security number This information can be provided by calling me directly at the number listed below, by mailing to the address listed above, or by writing back to the Revdex.com. We apologize for any inconvenience this matter has caused you, and we hope this information is helpful. Should you have any further questions, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
[redacted] Consumer Relations Specialist
The attachments will be sent with this correspondence via mail. February 24, 2017 [redacted]
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[redacted] Dear...
[redacted]: Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Carson’s credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you were charged twice for $81.18 for the 6 packages of curtains on January 13, 2017. You state you were advised by [redacted]’s to contact the Bank, however there is no number to contact the Bank. Therefore, you sent a web message but you have not received a response. I am happy to share my findings. Please note that Carson’s and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Carson’s is responsible for handling matters related to sales, merchandise processing, returns and shipping. You can locate the Bank’s Customer Care telephone number [redacted] on the billing statement and on the back of your [redacted]’s credit card. Bank records indicate that there were two charges of $81.18 on January 13, 2017. On your behalf we contacted [redacted]’s regarding this matter. We were advised that you placed two separate online orders. They were placed at different times and shipped to different people. They confirmed both shipments were delivered. An eCommerce manager attempted to contact you on February 22, 2017, to explain this matter, a voicemail was left. I have enclosed a copy of the receipts, orders and proof of deliveries. If you have any questions regarding this please contact [redacted]’s directly at ###-###-####. The balance indicated on you statement is valid, and no credit is due on the account at this time. We have no record of a web message on the Account Center website. 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, [redacted]
[redacted]
[redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues Woman Within® credit card accounts, and we are hereto assist you with all account-related questions or concerns. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint that you were notified several times regarding an overdueaccount, even though our online Account Center showed you owed nothing. You sent all yourpayment information, but have heard nothing. This has resulted in delinquencies being reportedto the credit bureau. You finally spoke with an associate and were advised you had two accountsin your name. You are stating that when you attempted to notify the Bank of your name change,you believe we opened a new account. You have not received any documentation regarding thisnew account. You also are unable to view the account online, as you must register with anaccount number. You have attempted to request the account number by phone and mail and stillhave not received it. You are willing to pay the original amount. You are requesting that the latefees, interest, and negative credit reporting be removed.Thank you for speaking with me on November 1, 2016. Please find a summary of ourconversation below.Bank records indicate the Woman Within® account ending in 1249 was opened on July 14, 2009,in the name of [redacted]. The last purchase of $91.02 was made on August 12, 2013, andthe last payment of $91.02 was received on August 27, 2013. Your address was changed to theaddress above, minus your apartment number, on February 15, 2013, and we were not notifiedof your name change.The Woman Within® account ending in 8153 was opened on September 22, 2015, in the nameof [redacted]. The last purchase of $78.05 was charged to the account on September 24,2015, and the Bank has not received a payment for this account. This account was a preapprovalacceptance that was processed when you placed your order on September 22, 2015. Thisaccount was opened with the address above.On February 29, 2016, the Bank received your dispute regarding the issues in this complaint. OnMarch 3, 2016, a response was sent that advised all Bank fees had been credited, and your creditreport was updated to remove any delinquencies. A copy of this letter is included for your records.Additional disputes were initiated when you were speaking with Bank representatives. Thesedisputes stated that you paid the account off with payments made in September and October 2015. The Bank responded that we had no record of these payments, and advised whatinformation was necessary to research the payments. These responses are also included foryour records.Please be advised, we have no record of any payment made to the account ending in 8153. Ifpayments have been remitted, please follow the directions provided in the previous response, sowe can research.In the interest of customer service, we have issued credits for the previously assessed fees, whichwill provide you with a balance of $78.05 for your original purchase. I have enclosed copies ofthe billing statements which show the account activity that comprised the account balance.Additionally, notification was sent to the national credit-reporting agencies with instructions toremove the delinquencies that were reported for the Woman Within® account ending in 8153.Please allow 45 days for them to update their records.If you have further questions regarding the orders billed to your accounts, please contact WomanWithin at (800) 477-7030.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 contact meat (800) 675-5685, ext. 7293772 (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Amanda R**Consumer Relations Specialist
I am rejecting this response because:You call me a customer. I am not nor have I ever been a customer of your bank and neither has my spouse. I suggest you find who the account belongs to because it is not me or my spouse!!!
Regards,
Steven C[redacted]
We have received your complaint, on behalf of
your mother, addressed to the Revdex.com, regarding the
above-referenced account. Comenity
Capital Bank issues [redacted] credit card account, and we are here to assist with
all account-related questions. Your
complaint was forwarded to my attention, and I appreciate the opportunity to
respond to your concerns.We understand from you complaint that a few
weeks ago your mother passed, we are sorry to hear of the passing of your
mother. Additionally, you state that you
are the executor of the estate for your mother and you located a statement for
the above-referenced account with a balance or $260.00 which was the original
price with interest and fees applied.
You also state that you placed several calls to Comenity Capital Bank to
resolve this matter and you were not given to the opportunity to settle the
account as the account went directly to collections. I am happy to share my findings with
you. After thorough review of our records, the
Bank would need additional information to locate the account in question. We are unable to resolve this matter without
having additional information to research your concerns. Please provide the following:A valid account number for the [redacted] credit card accountSocial Security Number(s)Address associated with the accountTelephone number as listed on the accountAny previous namesThis information may be mailed to my
attention at the address listed above or faxed to ###-###-####. Once this information is received, we should
be able to locate the account and further research your concerns. If you have any further questions, please
contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
January 17, 2017 [redacted] RE: [redacted]Revdex.com Complaint ID 11931801 Dear [redacted]: Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted] credit card account. We are here to answer your questions and assist with your concerns. We understand your concerns as explained in your correspondence. You state you have made a payment online and received confirmation the payment went through. However, the payment was not processed and you were charged two returned payment fees. You are requesting for the $50.00 returned fees to be credited back to your account; as you were unaware of the return payment. Bank records indicate that a payment of $50.00 was scheduled online on January 6, 2017. The Bank processed this payment from your personal bank account as scheduled; however, on January 10, 2017, the payment was returned, due to an invalid checking account number. As a result, the $50.00 payment was added back to the balance and a return fee of $25.00 was assessed; the account was temporarily restricted for further purchases. When customers submit an online payment, customers will receive the following confirmation message: “This is a confirmation of your payment authorization on (Date) to Comenity Bank via as internet connection, as a single electronic debit from a debit card and/or ACH electronic from a bank account in your name on (Date) for ($) to your credit card account”. Please note the confirmation message is to advise our customers that their payment has been submitted to us; however, the customer’s bank has to authorize the payment. Additionally, when a payment is returned on a new account, the Bank will place a restrictive status on the account for a period of 90 days. Once the Bank receives three months of on-time payments, the restrictive status is removed. We are unwilling to remove the return fee from your account. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
Dear [redacted]We received your additional complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you.Thank you for providing the proof of payment for the in-store payment made on September 30, 2015. We apologize for any frustration or inconvenience you have experienced.Please be assured that we issued a credit for $60.00 to your account. You will see this credit on your next billing statement that will be sent to you on November 21, 2015.Again, we apologize for any frustration or inconvenience you have experienced, and we hope this information is helpful. If you have further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
I would like My response forwarded to the president of the company or CEO. I have attached a copy of the error message I got every time I tried to attempt to make a paymen that dayt. I never had issues with the online system until that day. I also asked for a review of the call. No proof was notated that the call was reviewed. I refuse to take no as an answer because their system was at fault. If an option is available it should be available and if theirs an issue with their payment options, they should take responsibility for the issue. Just like I took full responsibility and paid all the other fees that has been placed on my account.
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccounts. Comenity Bank issues the Carson’s, LOVELOFT, and The Limited credit cards. We arehere to answer your questions and assist with your concerns.We understand your March 2017 payments were rejected for...
insufficient funds. Since April 2017,when attempting to set up payment through Account Center, you receive an error messageadvising to contact Customer Care for help. You state that you have called and explained thatyou are unable to set up the payment online, and were walked through the process and still hadno luck. Since April, you constantly have to make your payment via phone, and in May yourequested to also schedule the payment for June. You were advised that you would need to waittill the due date. On June 11, 2017, you attempted to set up the payment but received the sameerror. When calling in on Sunday the Bank was closed, so you called on Monday and paid thebalance in full. You were assessed a late fee. You are requesting to have the late fee removedfrom all three of your accounts, and to have your online access fixed so that you don’t have to callCustomer Care. Furthermore, you request to have the delinquency removed from your creditreport.When payments made through the Account Center are returned, the bank account cannot beused to make further online payments. In order to utilize the Account Center for future payments,you would need to use a different bank account than the one previously selected.We understand that you attempted to pay the account(s) in advance to avoid late payment. Atthis time the Bank does not offer the option of paying in advance on any credit card account.To keep your account in good standing, please pay at least the minimum due indicated on yourstatement each month. Any amount paid in excess of the minimum due will be credited to yourbalance for the billing period in which that payment is received.To provide the best customer service possible, we offer multiple ways to make a payment.? In-store: If the retailer listed on your card has a store near you, you may be able to dropoff your payment in the store so it can be applied to your account on the same day. Checkthe back of your billing statement to see if in-store payments are available for your account.? Online: Online payments submitted through the Bank’s online Account Center before 8:00p.m. Eastern Time (ET) will be credited to your account on the same day, unless youselect a date in the future. Online payments submitted after 8:00 p.m. ET will be creditedthe following day (or on a future scheduled payment date).? Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing up to 10 days for the payment to arrive. If you’re apaperless customer, print out a payment stub on the online account management site soyour payment is processed as quickly as possible.? Phone: If you need to make a same-day payment, you may call us at the phone numberon the back of your billing statement before 8:00 p.m. ET to speak to a Customer Carerepresentative. A fee may apply to same-day, expedited payments made with therepresentative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterAft...⇄ further review, courtesy late fee credits were issued on the Carson’s account in September2016, and on the LOVELOFT account in November 2016; as such, these accounts do not qualifyfor any further credits. In the interest of customer service, we have credited a late fee in theamount of $27.00 on The Limited account.We understand your concern regarding your credit report. We have verified we are reporting theaccount correctly to the credit reporting agencies as we are required by law.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Diamond L[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear Mr. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues The Sportsman’s Guide Buyer’s Club™ Advantage Rewards VISA®, BEALLS, Crate&Barrel, FARMERS® REWARDS VISA®, Marathon Visa®, ...
Redicard+® VISA®, SPORTS AUTHORITY®, Buckle, TOTAL REWARDS® VISA®, WESTGATE Rewards MasterCard® and DSW REWARDS VISA® credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that the above-referenced accounts where closed and you are requesting that the accounts are reopened. I am happy to share my findings with you. Please be assured that the above-referenced accounts have been reopen as of March 13, 2016. We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your accounts, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S[redacted]
Dear Francis Viray: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 andassist with your concerns.In the correspondence, you indicate two days after the...
account was opened, it was closed for no reason.When calling the Bank, you state you were directed to Account Protection. You mention you were askedsecurity questions that you answered correctly; however, you were the account would be closed and youcould reapply. You state two separate orders were cancelled because the account was closed. You alsomention you did not receive promised coupons or the credit card that was to be mailed. You are requestingstore credit. You would like the Bank to refund your money or reimburse all purchases to clear the account.Please find the enclosed copy of the letter provided to you on November 26, 2017. Please be advised, theaccount will remain closed due to security concerns.In regard to not receiving the coupons or credit card, please be aware we sent the welcome package to theaddress that was on file when the account was opened.We respectfully decline your request for a credit to the Victoria’s Secret Angel credit card account. You willcontinue to receive regular billing statements until the balance due is paid in full.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Nicole FCompliance Dept. – Consumer Responses
Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret/PINK credit card accounts, we respond to all account-related inquiries. Your complaint, submitted to the Revdex.com, was forwarded to my attention for review. I appreciate the opportunity to assist you.We...
understand your concerns regarding the outstanding balance on the above-noted account. We also understand your request to have all the late fees credited to your account. We apologize for any confusion you may have experienced.Our research indicates that you made a purchase, in the amount of $274.65 on June 29, 2015; returning items on July 22, 2015, totaling $159.65. A new purchase, in the amount of $37.52 was charged to the account on August 6, 2015, and you had a minimum payment of $25.00 due by August 17, 2015. Payment was not received by the due date; as such, the account was assessed a late fee and finance charge.On August 29, 2015, we received payment of $115.00, and an additional payment of $37.50 on September 11, 2015.A statement was issued on September 21, 2015, and the account required a minimum payment of $25.00 due by October 17, 2015. As no payment was made, the account was assessed a late fee and finance charge.A statement was issued on October 22, 2015, and the account required a minimum payment of $30.00 due by November 17, 2015. As no payment was made, the account was assessed a late fee and finance charge.You contacted the Bank on October 28, 2015, and as a courtesy, the account was credited one $25.00 late fee, which meant you still had to pay the remaining balance of $30.59. As payment was not received, the account was assessed a late fee and a finance charge.You made contact with the Bank again on November 24, 2015, and as an additional courtesy, the account was credited for a late fee of $30.00. However, as you remained responsible for the remaining balance and payment was not received, the account was assessed a late fee and finance charge.As explained above and reflected on the enclosed statements, the Bank received payments after the payment due date, resulting in late fees and finance charges; pursuant to the terms and conditions outlined in the Credit Card Agreement (CCA). Although there were no Bank errors, in the interest of customer service, we have issued credits totaling $67.59 to remove the remaining balance.We hope you find this information to be helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
Dear [redacted]We received your complaint regarding the above-referenced credit card account. Comenity Bankissues multiple credit card accounts, and we are here to help answer your account-relatedquestions. Your complaint, addressed to the Revdex.com, was forwarded to myattention,...
and I appreciate the opportunity to respond to your concerns.In your complaint, you state that you continue to receive telephone calls from telephone number###-###-####. You further state that when you answered, it was an electronic service claiming to beGoogle calling to verify your business and to press “1” if you wanted to verify. After pressing “1”, youwere connected to a representative who claimed to be verifying your business; however, the call wasdisconnected. You are requesting that the calls stop as you think this is a scam.Please be advised, we attempted to locate an account in your name with the information provided;however, we were unsuccessful. To better assist you, we need additional information to locate theaccount(s) in question. Please provide the following:- Complete Comenity Bank Account Number- Any Name(s) of Accountholder- Any Addresses- Home Telephone NumberThis information can be mailed to the address listed above, or faxed to my attention at ###-###-####.I hope you find this information to be helpful. Should you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely, Jenny W[redacted]
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues Blair credit cards. We are here to answer your questions and assist with your concerns. We understand from your...
complaint that you made a purchase and when your billing statement arrived at your home, you were in the hospital. You state that you tried to contact the bank regarding the bill; however, you were unable to speak to a representative. You then state that when you finally spoke to a representative, they were rude and advised that if you made a payment by phone the late fee would be waived. You state that you paid the $52.79 and requested for your account to be closed. You are requesting to be reimbursed for the late fee and to cancel your account without affecting your credit score. We apologize for the inconvenience this matter may have caused you. A purchase of $25.21 was applied to your account on November 18, 2016. The statement billed on December 12, 2016, with a $25.21 minimum payment due by January 7, 2017. The required minimum payment was not received by the due date. Therefore, a late fee and finance charge were assessed to your Blair account. 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. The statement billed on January 12, 2017, with a balance of $51.42 and a $30.21 minimum payment due by February 7, 2017. The required minimum payment was not received by the due date. Therefore, a late fee and finance charge were assessed to your Blair account. On February 9, 2017, your statement billed, with a balance of $82.79 and a $35.21 minimum payment due by March 7, 2017. A payment of $52.79 was received on February 15, 2017. In addition, a late fee reversal credit of $30.00 was applied the same day. With the payment and the late fee adjustment the balance on your account is zero. The Bank is willing to remove one late fee in an eighteen month time period, as a courtesy. Our records indicate that a late fee credit in the amount of $30.00 was issued to your account on February 15, 2017; therefore, we are unwilling remove any additional fees. We have reviewed the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Your Blair account has been closed per your request. Although your account is closed, we hope you continue to shop with Blair. Additionally, we have sent notification to the national credit-reporting agencies to remove the delinquencies reported as a result of this matter. Please allow 45 days for these 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, Ashley H[redacted]
Dear [redacted]We received your complaint, sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. I appreciate the opportunity to assist you.Your complaint...
states that the Victoria’s Secret/PINK account was placed on a fraud hold although you have provided your personal information, by phone, on multiple occasions. You also state that you will not send in the personal information, such as the front/back of your driver’s license, social security card, or utility bill, as someone may be able to copy and use the information.We reviewed your account and we apologize for any frustration or inconvenience this matter has caused you.Comenity Bank received notice from the Loss Prevention team at Victoria’s Secret regarding information that is consistent with suspicious activity. As such, Comenity Bank blocked the account on June 19, 2015, to deter your account from being used fraudulently.It is not the Bank’s intention to cause a customer a hardship. It is the Bank’s responsibility to protect the customer’s privacy of information and account from possible fraudulent activity. As such, in order to remove the block and establish account utility, we must receive a copy of your driver’s license, social security card, and a current utility bill.I have spoken to our Account Protection management team, and they are willing to have you scan and email the information for a faster response than normal, which by mail, can take up to 30 days. If you would like to take advantage of this, you can email the information to the attention of Abby Kritikos-Account Protection Manager at [email protected] be advised that without receiving this information, Comenity Bank is unable to remove the block from your account.You are a valued customer and we hope this information is helpful. Should you have any further questions or concerns, please contact the Account Protection team; toll free, at ###-###-#### (TDD/TTY ###-###-####). They will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear STEVENSKEES,Thank you for contacting Comenity Bank . As the bank that issues your Meijer MasterCard® account,we'rehere to help with your questions.We are in receipt of your letter dated 12/06/2016 requesting that we investigate information reported onyour credit file.To address concern,we have...
updated our records and notified thereporting agencies of the changes that need to be made your credit report.This change shouldreflected on your credit file within the next 45 calendar days.We value you as a customer and apologize for any inconvenience this may have caused. Iffurther questions about your account,please contact us at ###-###-####(TDD/TTY: ###-###-#### ). We will be happy to help you.Sincerely,Customer Careteam
Dear [redacted] Comenity Bank (Bank) has received your correspondence. We are here to answer your questions and assist with your concerns. We would like to assist you in resolving this matter. Comenity Bank issues Dress Barn credit cards. Please note Comenity Bank and Dress...
Barn are two separate entities. The Bank issues, and is responsible for addressing questions related to, the Dress Barn credit card account. Dress Barn is responsible for handling matters related to sales, merchandise processing, returns and shipping. After a review of our records, we were unable to locate a Dress Barn account or an email address using the information you provided. In your correspondence, you indicated that you had email confirmations saved. Please provide us copies of the emails. Once this information has been received, we will be able to further investigate. Please send this information to my attention at the address shown above. In addition, you have asked that you receive no more emails from [redacted] Please be advised that Comenity Bank and [redacted] have no association. We encourage you to contact [redacted] directly to resolve any concerns you may have. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y[redacted]
during the time period they claim I was overdue, their own employees told me I didn't owe any payment. That may have been a mistake on their end but that is not my problem and they cannot hold me accountable for their mistake. Either they update my credit report as a result of this Revdex.com complaint or next I will file a lawsuit. I am VERY confident that I am correct and I will take this as far as I need to.[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Williams Sonoma [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your...
correspondence, submitted to the Revdex.com, that you have tried several times to access the Bank’s Account Center and it does not recognize your information. You have contacted the Bank with no success. You state that the payment is due June 17, 2017, and you request the account not be assessed any interest. We have reviewed the concerns in your correspondence. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. After a thorough review of the account, our records indicate that a payment of $563.96 was received on June 6, 2017. Please be advised that as of the date of this letter, the account balance is zero and no additional interest charges have been applied to the account. In regard to signing onto the Account Center, please feel free to contact me at the number below for assistance. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted] Compliance Dept. – Consumer Responses
Thank you for contacting the RevDex.com regarding the above-noted account. Comenity Bank issues your CREDO Visa account, and we respond to all
account-related concerns. Your
correspondence was forwarded to my attention, and I appreciate the opportunity
to assist you. We...
understand from your complaint that you
made a return to your account and you are requesting that the shipping and
handling be credited to your account.Our records indicate that we recently
received a dispute for this matter. Please be assured that on November 20, 2015, Comenity Bank issued a
credit to your account in the amount of $7.95 for the shipping and handling
that was not credited to your account by the merchant. This credit will appear on your next billing
statement.We apologize for any frustration or
inconvenience that you may have experienced regarding this matter. Should you have any further questions or
concerns, please contact me at ###-###-####, ext. 7293165 (TDD/TTY
###-###-####). I would be happy to
assist you. Sincerely, Justina
M[redacted]Consumer
Relations Specialist
Dear [redacted] We received your complaint, submitted to the Revdex.com. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. Your complaint was forwarded to my attention for review, and I appreciate the...
opportunity to assist you. Your complaint states that Comenity Bank calls you weekly on your cell phone and leaves threatening voice mails, which indicate that you will go to jail if payment is not made using your debit card for the balance on the Victoria’s Secret/PINK credit card account. You have stated that the Bank is to never call your cell phone again or leave a voice mail. Please be assured that Comenity Bank complies with all local, state, and federal laws. After researching our records, using the information you provided, we were unable to locate a Victoria’s Secret/PINK credit card account in your name. In order for the Bank to comply with your request, we need additional information. Please provide is with the following: • Full name as listed on the account • Complete address as listed on the account • The telephone number as listed on the account • Social Security number This information can be provided by calling me directly at the number listed below, by mailing to the address listed above, or by writing back to the Revdex.com. We apologize for any inconvenience this matter has caused you, and we hope this information is helpful. Should you have any further questions, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
[redacted] Consumer Relations Specialist
The attachments will be sent with this correspondence via mail. February 24, 2017 [redacted]
[redacted]
[redacted]
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[redacted] Dear...
[redacted]: Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Carson’s credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you were charged twice for $81.18 for the 6 packages of curtains on January 13, 2017. You state you were advised by [redacted]’s to contact the Bank, however there is no number to contact the Bank. Therefore, you sent a web message but you have not received a response. I am happy to share my findings. Please note that Carson’s and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Carson’s is responsible for handling matters related to sales, merchandise processing, returns and shipping. You can locate the Bank’s Customer Care telephone number [redacted] on the billing statement and on the back of your [redacted]’s credit card. Bank records indicate that there were two charges of $81.18 on January 13, 2017. On your behalf we contacted [redacted]’s regarding this matter. We were advised that you placed two separate online orders. They were placed at different times and shipped to different people. They confirmed both shipments were delivered. An eCommerce manager attempted to contact you on February 22, 2017, to explain this matter, a voicemail was left. I have enclosed a copy of the receipts, orders and proof of deliveries. If you have any questions regarding this please contact [redacted]’s directly at ###-###-####. The balance indicated on you statement is valid, and no credit is due on the account at this time. We have no record of a web message on the Account Center website. 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, [redacted]
[redacted]
[redacted]
[redacted] [redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues Woman Within® credit card accounts, and we are hereto assist you with all account-related questions or concerns. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint that you were notified several times regarding an overdueaccount, even though our online Account Center showed you owed nothing. You sent all yourpayment information, but have heard nothing. This has resulted in delinquencies being reportedto the credit bureau. You finally spoke with an associate and were advised you had two accountsin your name. You are stating that when you attempted to notify the Bank of your name change,you believe we opened a new account. You have not received any documentation regarding thisnew account. You also are unable to view the account online, as you must register with anaccount number. You have attempted to request the account number by phone and mail and stillhave not received it. You are willing to pay the original amount. You are requesting that the latefees, interest, and negative credit reporting be removed.Thank you for speaking with me on November 1, 2016. Please find a summary of ourconversation below.Bank records indicate the Woman Within® account ending in 1249 was opened on July 14, 2009,in the name of [redacted]. The last purchase of $91.02 was made on August 12, 2013, andthe last payment of $91.02 was received on August 27, 2013. Your address was changed to theaddress above, minus your apartment number, on February 15, 2013, and we were not notifiedof your name change.The Woman Within® account ending in 8153 was opened on September 22, 2015, in the nameof [redacted]. The last purchase of $78.05 was charged to the account on September 24,2015, and the Bank has not received a payment for this account. This account was a preapprovalacceptance that was processed when you placed your order on September 22, 2015. Thisaccount was opened with the address above.On February 29, 2016, the Bank received your dispute regarding the issues in this complaint. OnMarch 3, 2016, a response was sent that advised all Bank fees had been credited, and your creditreport was updated to remove any delinquencies. A copy of this letter is included for your records.Additional disputes were initiated when you were speaking with Bank representatives. Thesedisputes stated that you paid the account off with payments made in September and October 2015. The Bank responded that we had no record of these payments, and advised whatinformation was necessary to research the payments. These responses are also included foryour records.Please be advised, we have no record of any payment made to the account ending in 8153. Ifpayments have been remitted, please follow the directions provided in the previous response, sowe can research.In the interest of customer service, we have issued credits for the previously assessed fees, whichwill provide you with a balance of $78.05 for your original purchase. I have enclosed copies ofthe billing statements which show the account activity that comprised the account balance.Additionally, notification was sent to the national credit-reporting agencies with instructions toremove the delinquencies that were reported for the Woman Within® account ending in 8153.Please allow 45 days for them to update their records.If you have further questions regarding the orders billed to your accounts, please contact WomanWithin at (800) 477-7030.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 contact meat (800) 675-5685, ext. 7293772 (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Amanda R**Consumer Relations Specialist
I am rejecting this response because:You call me a customer. I am not nor have I ever been a customer of your bank and neither has my spouse. I suggest you find who the account belongs to because it is not me or my spouse!!!
Regards,
Steven C[redacted]
We have received your complaint, on behalf of
your mother, addressed to the Revdex.com, regarding the
above-referenced account. Comenity
Capital Bank issues [redacted] credit card account, and we are here to assist with
all account-related questions. Your
complaint was forwarded to my attention, and I appreciate the opportunity to
respond to your concerns.We understand from you complaint that a few
weeks ago your mother passed, we are sorry to hear of the passing of your
mother. Additionally, you state that you
are the executor of the estate for your mother and you located a statement for
the above-referenced account with a balance or $260.00 which was the original
price with interest and fees applied.
You also state that you placed several calls to Comenity Capital Bank to
resolve this matter and you were not given to the opportunity to settle the
account as the account went directly to collections. I am happy to share my findings with
you. After thorough review of our records, the
Bank would need additional information to locate the account in question. We are unable to resolve this matter without
having additional information to research your concerns. Please provide the following:A valid account number for the [redacted] credit card accountSocial Security Number(s)Address associated with the accountTelephone number as listed on the accountAny previous namesThis information may be mailed to my
attention at the address listed above or faxed to ###-###-####. Once this information is received, we should
be able to locate the account and further research your concerns. If you have any further questions, please
contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
January 17, 2017 [redacted] RE: [redacted]Revdex.com Complaint ID 11931801 Dear [redacted]: Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted] credit card account. We are here to answer your questions and assist with your concerns. We understand your concerns as explained in your correspondence. You state you have made a payment online and received confirmation the payment went through. However, the payment was not processed and you were charged two returned payment fees. You are requesting for the $50.00 returned fees to be credited back to your account; as you were unaware of the return payment. Bank records indicate that a payment of $50.00 was scheduled online on January 6, 2017. The Bank processed this payment from your personal bank account as scheduled; however, on January 10, 2017, the payment was returned, due to an invalid checking account number. As a result, the $50.00 payment was added back to the balance and a return fee of $25.00 was assessed; the account was temporarily restricted for further purchases. When customers submit an online payment, customers will receive the following confirmation message: “This is a confirmation of your payment authorization on (Date) to Comenity Bank via as internet connection, as a single electronic debit from a debit card and/or ACH electronic from a bank account in your name on (Date) for ($) to your credit card account”. Please note the confirmation message is to advise our customers that their payment has been submitted to us; however, the customer’s bank has to authorize the payment. Additionally, when a payment is returned on a new account, the Bank will place a restrictive status on the account for a period of 90 days. Once the Bank receives three months of on-time payments, the restrictive status is removed. We are unwilling to remove the return fee from your account. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
[redacted]
Dear [redacted]We received your additional complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you.Thank you for providing the proof of payment for the in-store payment made on September 30, 2015. We apologize for any frustration or inconvenience you have experienced.Please be assured that we issued a credit for $60.00 to your account. You will see this credit on your next billing statement that will be sent to you on November 21, 2015.Again, we apologize for any frustration or inconvenience you have experienced, and we hope this information is helpful. If you have further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
I would like My response forwarded to the president of the company or CEO. I have attached a copy of the error message I got every time I tried to attempt to make a paymen that dayt. I never had issues with the online system until that day. I also asked for a review of the call. No proof was notated that the call was reviewed. I refuse to take no as an answer because their system was at fault. If an option is available it should be available and if theirs an issue with their payment options, they should take responsibility for the issue. Just like I took full responsibility and paid all the other fees that has been placed on my account.
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccounts. Comenity Bank issues the Carson’s, LOVELOFT, and The Limited credit cards. We arehere to answer your questions and assist with your concerns.We understand your March 2017 payments were rejected for...
insufficient funds. Since April 2017,when attempting to set up payment through Account Center, you receive an error messageadvising to contact Customer Care for help. You state that you have called and explained thatyou are unable to set up the payment online, and were walked through the process and still hadno luck. Since April, you constantly have to make your payment via phone, and in May yourequested to also schedule the payment for June. You were advised that you would need to waittill the due date. On June 11, 2017, you attempted to set up the payment but received the sameerror. When calling in on Sunday the Bank was closed, so you called on Monday and paid thebalance in full. You were assessed a late fee. You are requesting to have the late fee removedfrom all three of your accounts, and to have your online access fixed so that you don’t have to callCustomer Care. Furthermore, you request to have the delinquency removed from your creditreport.When payments made through the Account Center are returned, the bank account cannot beused to make further online payments. In order to utilize the Account Center for future payments,you would need to use a different bank account than the one previously selected.We understand that you attempted to pay the account(s) in advance to avoid late payment. Atthis time the Bank does not offer the option of paying in advance on any credit card account.To keep your account in good standing, please pay at least the minimum due indicated on yourstatement each month. Any amount paid in excess of the minimum due will be credited to yourbalance for the billing period in which that payment is received.To provide the best customer service possible, we offer multiple ways to make a payment.? In-store: If the retailer listed on your card has a store near you, you may be able to dropoff your payment in the store so it can be applied to your account on the same day. Checkthe back of your billing statement to see if in-store payments are available for your account.? Online: Online payments submitted through the Bank’s online Account Center before 8:00p.m. Eastern Time (ET) will be credited to your account on the same day, unless youselect a date in the future. Online payments submitted after 8:00 p.m. ET will be creditedthe following day (or on a future scheduled payment date).? Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing up to 10 days for the payment to arrive. If you’re apaperless customer, print out a payment stub on the online account management site soyour payment is processed as quickly as possible.? Phone: If you need to make a same-day payment, you may call us at the phone numberon the back of your billing statement before 8:00 p.m. ET to speak to a Customer Carerepresentative. A fee may apply to same-day, expedited payments made with therepresentative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterAft...⇄ further review, courtesy late fee credits were issued on the Carson’s account in September2016, and on the LOVELOFT account in November 2016; as such, these accounts do not qualifyfor any further credits. In the interest of customer service, we have credited a late fee in theamount of $27.00 on The Limited account.We understand your concern regarding your credit report. We have verified we are reporting theaccount correctly to the credit reporting agencies as we are required by law.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Diamond L[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear Mr. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues The Sportsman’s Guide Buyer’s Club™ Advantage Rewards VISA®, BEALLS, Crate&Barrel, FARMERS® REWARDS VISA®, Marathon Visa®, ...
Redicard+® VISA®, SPORTS AUTHORITY®, Buckle, TOTAL REWARDS® VISA®, WESTGATE Rewards MasterCard® and DSW REWARDS VISA® credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that the above-referenced accounts where closed and you are requesting that the accounts are reopened. I am happy to share my findings with you. Please be assured that the above-referenced accounts have been reopen as of March 13, 2016. We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your accounts, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S[redacted]
Dear Francis Viray: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 andassist with your concerns.In the correspondence, you indicate two days after the...
Compliance Dept. – Consumer Responses
account was opened, it was closed for no reason.When calling the Bank, you state you were directed to Account Protection. You mention you were askedsecurity questions that you answered correctly; however, you were the account would be closed and youcould reapply. You state two separate orders were cancelled because the account was closed. You alsomention you did not receive promised coupons or the credit card that was to be mailed. You are requestingstore credit. You would like the Bank to refund your money or reimburse all purchases to clear the account.Please find the enclosed copy of the letter provided to you on November 26, 2017. Please be advised, theaccount will remain closed due to security concerns.In regard to not receiving the coupons or credit card, please be aware we sent the welcome package to theaddress that was on file when the account was opened.We respectfully decline your request for a credit to the Victoria’s Secret Angel credit card account. You willcontinue to receive regular billing statements until the balance due is paid in full.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Nicole F
Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret/PINK credit card accounts, we respond to all account-related inquiries. Your complaint, submitted to the Revdex.com, was forwarded to my attention for review. I appreciate the opportunity to assist you.We...
understand your concerns regarding the outstanding balance on the above-noted account. We also understand your request to have all the late fees credited to your account. We apologize for any confusion you may have experienced.Our research indicates that you made a purchase, in the amount of $274.65 on June 29, 2015; returning items on July 22, 2015, totaling $159.65. A new purchase, in the amount of $37.52 was charged to the account on August 6, 2015, and you had a minimum payment of $25.00 due by August 17, 2015. Payment was not received by the due date; as such, the account was assessed a late fee and finance charge.On August 29, 2015, we received payment of $115.00, and an additional payment of $37.50 on September 11, 2015.A statement was issued on September 21, 2015, and the account required a minimum payment of $25.00 due by October 17, 2015. As no payment was made, the account was assessed a late fee and finance charge.A statement was issued on October 22, 2015, and the account required a minimum payment of $30.00 due by November 17, 2015. As no payment was made, the account was assessed a late fee and finance charge.You contacted the Bank on October 28, 2015, and as a courtesy, the account was credited one $25.00 late fee, which meant you still had to pay the remaining balance of $30.59. As payment was not received, the account was assessed a late fee and a finance charge.You made contact with the Bank again on November 24, 2015, and as an additional courtesy, the account was credited for a late fee of $30.00. However, as you remained responsible for the remaining balance and payment was not received, the account was assessed a late fee and finance charge.As explained above and reflected on the enclosed statements, the Bank received payments after the payment due date, resulting in late fees and finance charges; pursuant to the terms and conditions outlined in the Credit Card Agreement (CCA). Although there were no Bank errors, in the interest of customer service, we have issued credits totaling $67.59 to remove the remaining balance.We hope you find this information to be helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
Dear [redacted]We received your complaint regarding the above-referenced credit card account. Comenity Bankissues multiple credit card accounts, and we are here to help answer your account-relatedquestions. Your complaint, addressed to the Revdex.com, was forwarded to myattention,...
and I appreciate the opportunity to respond to your concerns.In your complaint, you state that you continue to receive telephone calls from telephone number###-###-####. You further state that when you answered, it was an electronic service claiming to beGoogle calling to verify your business and to press “1” if you wanted to verify. After pressing “1”, youwere connected to a representative who claimed to be verifying your business; however, the call wasdisconnected. You are requesting that the calls stop as you think this is a scam.Please be advised, we attempted to locate an account in your name with the information provided;however, we were unsuccessful. To better assist you, we need additional information to locate theaccount(s) in question. Please provide the following:- Complete Comenity Bank Account Number- Any Name(s) of Accountholder- Any Addresses- Home Telephone NumberThis information can be mailed to the address listed above, or faxed to my attention at ###-###-####.I hope you find this information to be helpful. Should you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely, Jenny W[redacted]
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues Blair credit cards. We are here to answer your questions and assist with your concerns. We understand from your...
complaint that you made a purchase and when your billing statement arrived at your home, you were in the hospital. You state that you tried to contact the bank regarding the bill; however, you were unable to speak to a representative. You then state that when you finally spoke to a representative, they were rude and advised that if you made a payment by phone the late fee would be waived. You state that you paid the $52.79 and requested for your account to be closed. You are requesting to be reimbursed for the late fee and to cancel your account without affecting your credit score. We apologize for the inconvenience this matter may have caused you. A purchase of $25.21 was applied to your account on November 18, 2016. The statement billed on December 12, 2016, with a $25.21 minimum payment due by January 7, 2017. The required minimum payment was not received by the due date. Therefore, a late fee and finance charge were assessed to your Blair account. 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. The statement billed on January 12, 2017, with a balance of $51.42 and a $30.21 minimum payment due by February 7, 2017. The required minimum payment was not received by the due date. Therefore, a late fee and finance charge were assessed to your Blair account. On February 9, 2017, your statement billed, with a balance of $82.79 and a $35.21 minimum payment due by March 7, 2017. A payment of $52.79 was received on February 15, 2017. In addition, a late fee reversal credit of $30.00 was applied the same day. With the payment and the late fee adjustment the balance on your account is zero. The Bank is willing to remove one late fee in an eighteen month time period, as a courtesy. Our records indicate that a late fee credit in the amount of $30.00 was issued to your account on February 15, 2017; therefore, we are unwilling remove any additional fees. We have reviewed the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Your Blair account has been closed per your request. Although your account is closed, we hope you continue to shop with Blair. Additionally, we have sent notification to the national credit-reporting agencies to remove the delinquencies reported as a result of this matter. Please allow 45 days for these 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, Ashley H[redacted]