[redacted] sold me their phone & gave me one free that's designed to work with their network. I continue to have coverage issues. Their website says I have coverage, their extended coverage says indoor coverage is better. I have issues with indoor coverage as well. Their website is not agreeing with what they are telling me. They say I have the coverage I'm supposed to have. Why does their website state,otherwise? I've given them several areas with no coverage, those areas are within their coverage area. They haven't responded to these areas when I ask. I need further assistance.Thanks,[redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Capital Bank issues My BJ’s Perks MasterCard account, and we are here to assist you with all account-related questions. I appreciate the opportunity to respond to...
your concerns. We understand from your complaint that you made a payment in the amount of $13, 451.63 on December 11, 2015, and your available credit had not been restored to your account immediately. We also understand you are requesting compensation for your frustration of not having the funds available. Due to the amount of your payment Comenity Capital Bank requires additional time to process the payment. Our records indicate you contacted our Customer Care team and were told that your payment would be held for seven to fourteen days. Also, due to the frustration you experienced due to the funds not being available I have added $40.00 to your BJ’s awards. We hope this information is helpful and apologize for any frustration you experienced regarding this matter. Should you have any further questions, please contact me at ###-###-####, ext[redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kristina W[redacted]
I am waiting for my bank to respond to the Comenity bank. Until then, I must wait. I am hoping that this matter will be concluded in two weeks.
Regards, [redacted]
Dear Mrs. [redacted] We receivedthe complaint that you sent to the Revdex.com (Revdex.com), regarding theabove-noted account. Comenity Bank issues AnnTaylor/LOFT credit card accounts, and we are here to help answeraccount-related questions. Yourcomplaint was forwarded to my...
attention, and I appreciate the opportunity toaddress your concerns. We understand from yourcomplaint that you have an Ann Taylor/LOFT credit card account with ComenityBank and that you have been on time with your payments, except for this month. You state that you were three weeks late for$39.00, and that you received four to five recorded calls from the Bank in aday. Please be advised, when the Bank’s recordsshow an account as delinquent, the Bank will make attempts to contact youregarding the status of the account. Many times a payment is overlookedby the customer, and a reminder call is helpful to bring the account back to acurrent status. Due to potential negative ramifications for our customersif an account remains delinquent, Comenity Bank will utilize a Dialer System toplace outbound calls to a customer until our attempt to communicate issuccessful. After a thorough investigation, our recordsindicate that we attempted to contacted you via our Dialer System on July 17,2015, at 9:07 a.m. and 11:42 a.m. Our records further indicate that youcontacted our Payment Solutions team on July 17, 2015, at 12:01 p.m. to make apromise to pay arrangement. Although this arrangement was documentedon the account, our database files do not update until the end of business eachday; as a result, the existing promise entered was not recognized by the system, hence why additional phone calls were made on July 17, 2015, at 12:58 p.m.,2:21 p.m., and 4:34 p.m. If you wish to no longer receive reminder calls on the dialer, pleasecontact Customer Care at ###-###-####, to update your phone number methods. They will be happy to assist you. I apologize for any inconvenience thismatter may have caused you, and I hope this information is helpful. Should you have any further questions orconcerns regarding this letter, please contact me directly at ###-###-####,ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Tionna M[redacted] Consumer Relations Specialist
Dear Mr. [redacted] We received your complaint, addressed to the Revdex.com, regarding your GameStop PowerUp Rewards™ credit card account. Comenity Capital Bank issues GameStop PowerUp Rewards™ credit card accounts, and we respond to all account-related questions. Your...
complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We understand from the complaint that you received a late fee because you made a payment after the due date but before the next billing cycle. You state that you requested to have the late fee removed, however your request was denied. You believe the payment processing time is both confusing and misleading. Additionally, you request that any negative payment information be removed from your credit report. We understand your concerns, and sincerely apologize for any confusion this matter may have caused you. After a thorough review of the above-referenced account, records indicate a late fee of $27.00 was assessed to the account on April 4, 2016, after non-receipt of payment. Records further indicate that a payment of $40.00 was received on April 16, 2016. Please be advised that your due date is the fourth of each month, and this date will not change. 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. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (ET) can be credited to your account the same-day. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your GameStop PowerUp Rewards™ credit card account.Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting: http;//www.comenity.net/comenity/Using Account/CustomerResourceCenter.Although there were no Bank errors, in the interest of customer service, we issued a $27.00 credit for the previously assessed late fee. As of the date of this letter the balance on your GameStop PowerUp Rewards™ account is $280.17. Please be assured that no negative payment information has been reported regarding the GameStop PowerUp Rewards™ account.We value you as a customer, and hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Ashley R[redacted]
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Justice credit card accounts, and we are here to answer all of your account-related questions. Your correspondence was forwarded to...
my attention, and I appreciate the opportunity to assist you. I understand from your complaint that you made three payments to the wrong account number. Additionally, you state you have previously provided information to have these payments located and you request the payments be applied to the Justice account. I apologize for any inconvenience or frustration that this matter may have caused you. After a thorough investigation, we discovered the electronic payments you made for $50.00 on January 30, 2015, $100.00 on February 10, 2015, and $28.00 on February 27, 2015, were applied to another account. Please be assured that credits for the above-referenced payments have been applied to your Justice account. As of the date of this letter, your balance is $144.25. I hope you find this information to be helpful. Should you have any further questions or concerns, please contact me at the address noted above, or by calling toll free at ###-###-####, ext. [redacted] (TDD/TTY [redacted]. I will be happy to assist you. Sincerely,
[redacted] Consumer Relations Specialist
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Z Gallerie credit card accounts. We are here to answer your questions and assist with your concerns.Your complaint states that you made a purchase online and Z Gallerie advertised a one...
year deferred interest promotional plan; however, your purchase was not placed on that plan. You are requesting that the Bank honor the promotional plan that was advertised. We understand your concerns and apologize for any frustration or inconvenience this matter may have caused you.We received your dispute on July 11, 2017, in the amount of $3,350.43. Please be assured our dispute resolution team is currently working to resolve your dispute. Please also be aware, dispute investigations may take up to ninety days to complete. Upon completion of our investigation, we will notify you of our findings by mail. We appreciate your patience while we conduct our investigation.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]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Cornenity Bank issues meijea Mastercard accounts and we respond to allaccount-related questions. Your complaint was forwarded to my attention, and I appreciate thisopportunity to...
assist you.Your complaint states that you applied over the phone for a vacation, and you provided yourcredit card number. Additionally, you state the confirmation received included some incorrectinformation. You would like to have the charge of $310.00, and any interest accumulated,removed from your account. We apologize for any inconvenience this situation may havecaused you.Our records indicate that the concern referenced in your inquiry was previously resolved.Enclosed is a copy of the letter sent to you on July 23, 2015, which explains our findings andresolution. Please note that your meijer Mastercard account ending in 7571 was replacedwith meijer Mastercard Account Ending in [redacted] Comenity Bank considers this matter to beresolved.We hope this information was helpful. Should you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Rosa M[redacted]
[redacted]
January 4, 2017
[redacted]
RE: [redacted] Credit Card Application
Revdex.com Complaint ID [redacted]
Dear [redacted]:
Comenity Bank (Bank) has received your correspondence regarding the above-referenced...
application. Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns.
Your correspondence indicates an application was submitted for a [redacted] credit card using your personal information.
We understand your concern regarding the use of your personal information. Please be assured that no account was opened in connection with this application.
If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:
1. You have the right to place a fraud alert on your credit reports. A fraud alert tells creditors to contact you before they open any new accounts or change your existing accounts. To do this, you can contact any one of the consumer reporting companies mentioned below. If you contact any one of them, the one you contact is required to notify the other two to place an alert on their files as well.
[redacted]
###-###-#### [redacted].com
[redacted].com
[redacted].com
2. Identity theft is a crime. You can file a report with your local police or the police department in the community where the crime took place. Many police departments have a special Identity Theft Report, which is a police report with more than the usual amount of detail. If the detailed Identity Theft Report is available, we recommend you obtain a copy in order to protect your rights.
3. You can go to the Federal Trade Commission website on identity theft: [redacted] It contains additional information and will refer you to resources that could be helpful in dealing with your situation.
Since you did not submit this application, notification has been sent to the credit reporting agencies to delete the inquiry associated with this application from your credit reports on October 4, 2016. This update should appear on your credit file within the next 45 calendar days. Please be assured, we have resent notification, per your request, to have the inquiry removed from the credit-reporting agencies.
However, please be aware that due to their compliance policies, the credit-reporting agencies do not delete inquiries from the consumer’s credit bureau report. When the Bank requests that an inquiry be removed, the credit-reporting agencies will change it to a soft inquiry. This means that the inquiry only appears when the consumer pulls his or her own credit report. A soft inquiry does not appear on a consumer’s credit report that is provided to a lender or any other authorized party, and it does not affect the consumer’s credit score. Therefore, you will continue to see the inquiry on your credit report, but it will not be visible to anyone else who may pull your credit report.
We apologize for any frustration or inconvenience this matter may have caused. I hope you found this information to be helpful. Should you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####.
Dear K[redacted] We received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues J. Crew credit card accounts, and we are here to help with your account-related questions. Your complaint was forwarded to...
my attention, and I appreciate the opportunity to address your concerns. We understand your concerns as explained in your correspondence. You had a J. Crew credit card account that was opened in 2012 and you fell behind with the payments. You stated that you called the Bank in 2014, and set up 12 payments, so that Comenity Bank could withdraw the payments from your checking account. You stated that you were not informed the account was charged-off, when you made the payment arrangement; as you paid a total of $600.07, by the end of your arrangement. In addition, you stated that you pulled your credit report and found that the Bank reported the J. Crew account, as a paid charge-off account, settlement for less than the full balance. This information has ruined your credit, and you never received any statements or documentation that said the account was charged-off. You stated that you have spent months calling the Bank and have had no results; as you waited for managers to call you back and none have. You are requesting that the charge-off be removed and the account information be updated to show the account was paid in full not a settlement. Please be assured that we have reviewed the account, and I am happy to explain my findings below. Comenity Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than satisfactory service. Based upon your complaint, the Bank reviewed the applicable phone conversations. Please be assured that calls of this type are reviewed with management so that additional training and or coaching can be provided to our associates. Our records indicate that the account was opened on April 18, 2012. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase of $45.00 was made on December 8, 2012, and a payment of $50.00 was received on July, 8, 2014. As no further payments were received, on September 15, 2014, the account was permanently closed and written-off, with an unpaid balance of $620.07. We have enclosed a copy of the billing statements which show the account activity that comprised the account balance.When payments are not received by the payment due date listed on the monthly billing statements, our Payment Solutions team will attempt to contact our customers in an effort to assist them in bringing their accounts to a current status. Our Payment Solutions team may call multiple times, until our attempt to communicate with you is successful. On July 7, 2014, you spoke with the Bank’s representative and a payment by phone was processed for $50.00, scheduled for July 8, 2014. In that phone call the representative advised you that monthly payment is required to avoid the account being charged-off; as the account was six months past due, at that time. Due to no payment being received by the August 2014 due date, the account was written-off. Our records further indicate that you continued to set up payment arrangements, and on March 27, 2015, a $38.75 payment was received, and resulted in a zero balance. Comenity Bank reports the same information to each of the national credit-reporting agencies. A review of the Equifax credit bureau, confirms that your J. Crew account information is being reported accurately; as “Paid Charge-Off”. However, Experian and TransUnion has inaccurate information on their records. We sent notification to Experian and TransUnion, indicating the changes that need to be made to your credit report. The changes should be reflected on your credit file within the next 45 days. We find the account status to be valid; therefore, we are unwilling to delete the charge-off status from your credit file. Delinquent accounts typically will report for seven years from the date the account first became delinquent. We sincerely apologize for any frustration or inconvenience you have experienced, as a result of this matter. We hope you find this information helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Tionna M[redacted]
I have not received the letter, I mailed them a payment which the post office says they received. Yet they have not credited it, in fact I received another threatening, and it was threatening phone call yesterday morning at 8 am. Their organization is very disorganized.
Regards, [redacted]
Dear Ms. [redacted] We received your complaint, submitted to the Revdex.com, regarding the above- noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer all...
account-related questions. Your complaint was forwarded to my attention for review, and I appreciate the opportunity to assist you. We understand from your complaint that you have concerns regarding the issues you had in making a payment and your request to have your account closed in June 2015. Please accept our apologies that your account was not closed in June 2015 and that you received a credit card in September. Please be assured that the account was closed on September 18, 2015, per your request through our automated system. After review of the account, we show that a late fee and finance charge totaling $39.65 were added to the account in June 2015. At you request, these charges have been credited back to the account, and a refund check has been requested to be mailed to the address listed above, please allow 14 days for this refund check to be received. You are a valued customer and if you have further questions or concerns regarding the account, please do not hesitate to contact me at ###-###-####, or ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Justina M[redacted]Consumer Relations Specialist
May I have an extension for the following complaint as I need to investigate more to resolve this matter. The complaint is not due until 7/6/2017, but I am leaving on vacation today. May I have an extension for the extra 10 days, which would be 7/16/2017. [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Haband credit card. We are here to answer your questions and assist with your concerns. We understand your concerns as stated in...
your correspondence. Your mother passed away, you provided this information in December, you paid the account in full, but the account continues accruing charges. We apologize for any frustration you have experienced as a result of this matter. On behalf of Comenity Capital Bank, please accept our most heartfelt condolences for your loss of a loved one. Please be assured, the Haband account was permanently closed and noted accordingly. We have credited the account for the remaining balance, which will bring the account to a zero balance. You should no longer be receiving phone calls regarding this matter. 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]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding your HSN creditcard account. Comenity Capital Bank issues HSN credit card accounts, and we respond to allaccount-related questions. Your complaint was fotwarded to my attention, and I appreciate...
theopportunity to assist you.Our records indicate that the situation referenced in your complaint has been investigated, and aresponse was previously issued on December 9, 2016, explaining our findings along with billingstatements and resolution. Comenity Capital Bank's position remains unchanged. We haveenclosed a copy of our previous response for your records.As of the date of this letter, the balance on your HSN credit card account is $499.20. Each monththat the account has an unpaid balance, a finance charge will be assessed at billing. The currentAPR for the HSN account is 26.99%. Additionally, if payment is not received, is received for lessthan the required minimum, or is received after the due date, a late fee will also be assessed. Toavoid any additional bank fees, the account balance would need to be paid in full by the due dateeach month. The Bank finds the account balance to be valid.I hope you found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]
Dear [redacted] Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Bank issues the Meijer credit card. We are here to answer your questions and assist with your concerns. We understand your concerns regarding the credit limit and available credit on your account. You are requesting to have the credit limit increased to $2,100.00, as you were led to believe. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please be assured, we have reviewed all applicable phone calls, and any coaching opportunities have been addressed. Our records indicate on May 22, 2017, you requested a credit limit increase through the Bank’s Account Center. A response was sent on May 23, 2017, advising that because the credit limit on the account was recently increased, your account is not eligible for an additional credit increase at this time. We have enclosed a copy of our response for your review. The account is automatically reviewed for credit limit increases. Any changes in the credit limit will be reflected on your monthly billing statement. 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, Jon S[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosure
Consumer called and left a message on CM's voice mail that she is still receiving bills for over $100 for items that she has returned.
Please submit documentation where I signed up for paperless statements. Please provides the payment source of all payments made.
Regards, [redacted]
[redacted] sold me their phone & gave me one free that's designed to work with their network. I continue to have coverage issues. Their website says I have coverage, their extended coverage says indoor coverage is better. I have issues with indoor coverage as well. Their website is not agreeing with what they are telling me. They say I have the coverage I'm supposed to have. Why does their website state,otherwise? I've given them several areas with no coverage, those areas are within their coverage area. They haven't responded to these areas when I ask. I need further assistance.Thanks,[redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Capital Bank issues My BJ’s Perks MasterCard account, and we are here to assist you with all account-related questions. I appreciate the opportunity to respond to...
your concerns. We understand from your complaint that you made a payment in the amount of $13, 451.63 on December 11, 2015, and your available credit had not been restored to your account immediately. We also understand you are requesting compensation for your frustration of not having the funds available. Due to the amount of your payment Comenity Capital Bank requires additional time to process the payment. Our records indicate you contacted our Customer Care team and were told that your payment would be held for seven to fourteen days. Also, due to the frustration you experienced due to the funds not being available I have added $40.00 to your BJ’s awards. We hope this information is helpful and apologize for any frustration you experienced regarding this matter. Should you have any further questions, please contact me at ###-###-####, ext[redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kristina W[redacted]
I am waiting for my bank to respond to the Comenity bank. Until then, I must wait. I am hoping that this matter will be concluded in two weeks.
Regards, [redacted]
Dear Mrs. [redacted] We receivedthe complaint that you sent to the Revdex.com (Revdex.com), regarding theabove-noted account. Comenity Bank issues AnnTaylor/LOFT credit card accounts, and we are here to help answeraccount-related questions. Yourcomplaint was forwarded to my...
attention, and I appreciate the opportunity toaddress your concerns. We understand from yourcomplaint that you have an Ann Taylor/LOFT credit card account with ComenityBank and that you have been on time with your payments, except for this month. You state that you were three weeks late for$39.00, and that you received four to five recorded calls from the Bank in aday. Please be advised, when the Bank’s recordsshow an account as delinquent, the Bank will make attempts to contact youregarding the status of the account. Many times a payment is overlookedby the customer, and a reminder call is helpful to bring the account back to acurrent status. Due to potential negative ramifications for our customersif an account remains delinquent, Comenity Bank will utilize a Dialer System toplace outbound calls to a customer until our attempt to communicate issuccessful. After a thorough investigation, our recordsindicate that we attempted to contacted you via our Dialer System on July 17,2015, at 9:07 a.m. and 11:42 a.m. Our records further indicate that youcontacted our Payment Solutions team on July 17, 2015, at 12:01 p.m. to make apromise to pay arrangement. Although this arrangement was documentedon the account, our database files do not update until the end of business eachday; as a result, the existing promise entered was not recognized by the system, hence why additional phone calls were made on July 17, 2015, at 12:58 p.m.,2:21 p.m., and 4:34 p.m. If you wish to no longer receive reminder calls on the dialer, pleasecontact Customer Care at ###-###-####, to update your phone number methods. They will be happy to assist you. I apologize for any inconvenience thismatter may have caused you, and I hope this information is helpful. Should you have any further questions orconcerns regarding this letter, please contact me directly at ###-###-####,ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Tionna M[redacted] Consumer Relations Specialist
Dear Mr. [redacted] We received your complaint, addressed to the Revdex.com, regarding your GameStop PowerUp Rewards™ credit card account. Comenity Capital Bank issues GameStop PowerUp Rewards™ credit card accounts, and we respond to all account-related questions. Your...
complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We understand from the complaint that you received a late fee because you made a payment after the due date but before the next billing cycle. You state that you requested to have the late fee removed, however your request was denied. You believe the payment processing time is both confusing and misleading. Additionally, you request that any negative payment information be removed from your credit report. We understand your concerns, and sincerely apologize for any confusion this matter may have caused you. After a thorough review of the above-referenced account, records indicate a late fee of $27.00 was assessed to the account on April 4, 2016, after non-receipt of payment. Records further indicate that a payment of $40.00 was received on April 16, 2016. Please be advised that your due date is the fourth of each month, and this date will not change. 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. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (ET) can be credited to your account the same-day. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your GameStop PowerUp Rewards™ credit card account.Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting: http;//www.comenity.net/comenity/Using Account/CustomerResourceCenter.Although there were no Bank errors, in the interest of customer service, we issued a $27.00 credit for the previously assessed late fee. As of the date of this letter the balance on your GameStop PowerUp Rewards™ account is $280.17. Please be assured that no negative payment information has been reported regarding the GameStop PowerUp Rewards™ account.We value you as a customer, and hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Ashley R[redacted]
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Justice credit card accounts, and we are here to answer all of your account-related questions. Your correspondence was forwarded to...
my attention, and I appreciate the opportunity to assist you. I understand from your complaint that you made three payments to the wrong account number. Additionally, you state you have previously provided information to have these payments located and you request the payments be applied to the Justice account. I apologize for any inconvenience or frustration that this matter may have caused you. After a thorough investigation, we discovered the electronic payments you made for $50.00 on January 30, 2015, $100.00 on February 10, 2015, and $28.00 on February 27, 2015, were applied to another account. Please be assured that credits for the above-referenced payments have been applied to your Justice account. As of the date of this letter, your balance is $144.25. I hope you find this information to be helpful. Should you have any further questions or concerns, please contact me at the address noted above, or by calling toll free at ###-###-####, ext. [redacted] (TDD/TTY [redacted]. I will be happy to assist you. Sincerely,
[redacted] Consumer Relations Specialist
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Z Gallerie credit card accounts. We are here to answer your questions and assist with your concerns.Your complaint states that you made a purchase online and Z Gallerie advertised a one...
year deferred interest promotional plan; however, your purchase was not placed on that plan. You are requesting that the Bank honor the promotional plan that was advertised. We understand your concerns and apologize for any frustration or inconvenience this matter may have caused you.We received your dispute on July 11, 2017, in the amount of $3,350.43. Please be assured our dispute resolution team is currently working to resolve your dispute. Please also be aware, dispute investigations may take up to ninety days to complete. Upon completion of our investigation, we will notify you of our findings by mail. We appreciate your patience while we conduct our investigation.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]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Cornenity Bank issues meijea Mastercard accounts and we respond to allaccount-related questions. Your complaint was forwarded to my attention, and I appreciate thisopportunity to...
assist you.Your complaint states that you applied over the phone for a vacation, and you provided yourcredit card number. Additionally, you state the confirmation received included some incorrectinformation. You would like to have the charge of $310.00, and any interest accumulated,removed from your account. We apologize for any inconvenience this situation may havecaused you.Our records indicate that the concern referenced in your inquiry was previously resolved.Enclosed is a copy of the letter sent to you on July 23, 2015, which explains our findings andresolution. Please note that your meijer Mastercard account ending in 7571 was replacedwith meijer Mastercard Account Ending in [redacted] Comenity Bank considers this matter to beresolved.We hope this information was helpful. Should you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Rosa M[redacted]
[redacted]
January 4, 2017
[redacted]
RE: [redacted] Credit Card Application
Revdex.com Complaint ID [redacted]
Dear [redacted]:
Comenity Bank (Bank) has received your correspondence regarding the above-referenced...
application. Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns.
Your correspondence indicates an application was submitted for a [redacted] credit card using your personal information.
We understand your concern regarding the use of your personal information. Please be assured that no account was opened in connection with this application.
If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:
1. You have the right to place a fraud alert on your credit reports. A fraud alert tells creditors to contact you before they open any new accounts or change your existing accounts. To do this, you can contact any one of the consumer reporting companies mentioned below. If you contact any one of them, the one you contact is required to notify the other two to place an alert on their files as well.
[redacted]
###-###-#### [redacted].com
[redacted].com
[redacted].com
2. Identity theft is a crime. You can file a report with your local police or the police department in the community where the crime took place. Many police departments have a special Identity Theft Report, which is a police report with more than the usual amount of detail. If the detailed Identity Theft Report is available, we recommend you obtain a copy in order to protect your rights.
3. You can go to the Federal Trade Commission website on identity theft: [redacted] It contains additional information and will refer you to resources that could be helpful in dealing with your situation.
Since you did not submit this application, notification has been sent to the credit reporting agencies to delete the inquiry associated with this application from your credit reports on October 4, 2016. This update should appear on your credit file within the next 45 calendar days. Please be assured, we have resent notification, per your request, to have the inquiry removed from the credit-reporting agencies.
However, please be aware that due to their compliance policies, the credit-reporting agencies do not delete inquiries from the consumer’s credit bureau report. When the Bank requests that an inquiry be removed, the credit-reporting agencies will change it to a soft inquiry. This means that the inquiry only appears when the consumer pulls his or her own credit report. A soft inquiry does not appear on a consumer’s credit report that is provided to a lender or any other authorized party, and it does not affect the consumer’s credit score. Therefore, you will continue to see the inquiry on your credit report, but it will not be visible to anyone else who may pull your credit report.
We apologize for any frustration or inconvenience this matter may have caused. I hope you found this information to be helpful. Should you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####.
Sincerely,
[redacted]
Dear K[redacted] We received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues J. Crew credit card accounts, and we are here to help with your account-related questions. Your complaint was forwarded to...
my attention, and I appreciate the opportunity to address your concerns. We understand your concerns as explained in your correspondence. You had a J. Crew credit card account that was opened in 2012 and you fell behind with the payments. You stated that you called the Bank in 2014, and set up 12 payments, so that Comenity Bank could withdraw the payments from your checking account. You stated that you were not informed the account was charged-off, when you made the payment arrangement; as you paid a total of $600.07, by the end of your arrangement. In addition, you stated that you pulled your credit report and found that the Bank reported the J. Crew account, as a paid charge-off account, settlement for less than the full balance. This information has ruined your credit, and you never received any statements or documentation that said the account was charged-off. You stated that you have spent months calling the Bank and have had no results; as you waited for managers to call you back and none have. You are requesting that the charge-off be removed and the account information be updated to show the account was paid in full not a settlement. Please be assured that we have reviewed the account, and I am happy to explain my findings below. Comenity Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than satisfactory service. Based upon your complaint, the Bank reviewed the applicable phone conversations. Please be assured that calls of this type are reviewed with management so that additional training and or coaching can be provided to our associates. Our records indicate that the account was opened on April 18, 2012. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase of $45.00 was made on December 8, 2012, and a payment of $50.00 was received on July, 8, 2014. As no further payments were received, on September 15, 2014, the account was permanently closed and written-off, with an unpaid balance of $620.07. We have enclosed a copy of the billing statements which show the account activity that comprised the account balance.When payments are not received by the payment due date listed on the monthly billing statements, our Payment Solutions team will attempt to contact our customers in an effort to assist them in bringing their accounts to a current status. Our Payment Solutions team may call multiple times, until our attempt to communicate with you is successful. On July 7, 2014, you spoke with the Bank’s representative and a payment by phone was processed for $50.00, scheduled for July 8, 2014. In that phone call the representative advised you that monthly payment is required to avoid the account being charged-off; as the account was six months past due, at that time. Due to no payment being received by the August 2014 due date, the account was written-off. Our records further indicate that you continued to set up payment arrangements, and on March 27, 2015, a $38.75 payment was received, and resulted in a zero balance. Comenity Bank reports the same information to each of the national credit-reporting agencies. A review of the Equifax credit bureau, confirms that your J. Crew account information is being reported accurately; as “Paid Charge-Off”. However, Experian and TransUnion has inaccurate information on their records. We sent notification to Experian and TransUnion, indicating the changes that need to be made to your credit report. The changes should be reflected on your credit file within the next 45 days. We find the account status to be valid; therefore, we are unwilling to delete the charge-off status from your credit file. Delinquent accounts typically will report for seven years from the date the account first became delinquent. We sincerely apologize for any frustration or inconvenience you have experienced, as a result of this matter. We hope you find this information helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Tionna M[redacted]
I have not received the letter, I mailed them a payment which the post office says they received. Yet they have not credited it, in fact I received another threatening, and it was threatening phone call yesterday morning at 8 am. Their organization is very disorganized.
Regards, [redacted]
Dear Ms. [redacted] We received your complaint, submitted to the Revdex.com, regarding the above- noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer all...
account-related questions. Your complaint was forwarded to my attention for review, and I appreciate the opportunity to assist you. We understand from your complaint that you have concerns regarding the issues you had in making a payment and your request to have your account closed in June 2015. Please accept our apologies that your account was not closed in June 2015 and that you received a credit card in September. Please be assured that the account was closed on September 18, 2015, per your request through our automated system. After review of the account, we show that a late fee and finance charge totaling $39.65 were added to the account in June 2015. At you request, these charges have been credited back to the account, and a refund check has been requested to be mailed to the address listed above, please allow 14 days for this refund check to be received. You are a valued customer and if you have further questions or concerns regarding the account, please do not hesitate to contact me at ###-###-####, or ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Justina M[redacted]Consumer Relations Specialist
May I have an extension for the following complaint as I need to investigate more to resolve this matter. The complaint is not due until 7/6/2017, but I am leaving on vacation today. May I have an extension for the extra 10 days, which would be 7/16/2017. [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Haband credit card. We are here to answer your questions and assist with your concerns. We understand your concerns as stated in...
your correspondence. Your mother passed away, you provided this information in December, you paid the account in full, but the account continues accruing charges. We apologize for any frustration you have experienced as a result of this matter. On behalf of Comenity Capital Bank, please accept our most heartfelt condolences for your loss of a loved one. Please be assured, the Haband account was permanently closed and noted accordingly. We have credited the account for the remaining balance, which will bring the account to a zero balance. You should no longer be receiving phone calls regarding this matter. 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]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding your HSN creditcard account. Comenity Capital Bank issues HSN credit card accounts, and we respond to allaccount-related questions. Your complaint was fotwarded to my attention, and I appreciate...
theopportunity to assist you.Our records indicate that the situation referenced in your complaint has been investigated, and aresponse was previously issued on December 9, 2016, explaining our findings along with billingstatements and resolution. Comenity Capital Bank's position remains unchanged. We haveenclosed a copy of our previous response for your records.As of the date of this letter, the balance on your HSN credit card account is $499.20. Each monththat the account has an unpaid balance, a finance charge will be assessed at billing. The currentAPR for the HSN account is 26.99%. Additionally, if payment is not received, is received for lessthan the required minimum, or is received after the due date, a late fee will also be assessed. Toavoid any additional bank fees, the account balance would need to be paid in full by the due dateeach month. The Bank finds the account balance to be valid.I hope you found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]
Dear [redacted] Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Bank issues the Meijer credit card. We are here to answer your questions and assist with your concerns. We understand your concerns regarding the credit limit and available credit on your account. You are requesting to have the credit limit increased to $2,100.00, as you were led to believe. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please be assured, we have reviewed all applicable phone calls, and any coaching opportunities have been addressed. Our records indicate on May 22, 2017, you requested a credit limit increase through the Bank’s Account Center. A response was sent on May 23, 2017, advising that because the credit limit on the account was recently increased, your account is not eligible for an additional credit increase at this time. We have enclosed a copy of our response for your review. The account is automatically reviewed for credit limit increases. Any changes in the credit limit will be reflected on your monthly billing statement. 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, Jon S[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosure
Thank you for taking care of the matter regarding Comenity Bank. Without your involvement they would not have resolved this.Sincerely, Ms. [redacted]