I don't understand why I owe $45.01 now if they are saying I returned two orders and when I returned the item the representative told me it was free of charge and I have never had to pay this before for returning a merchandise and if your saying $7.50 each order, then that would be a total of $15.00 . Where is $ 45.01 coming from, when it was originally thirty and then went to sixty plus. I disagree and I'm willing to send fifteen and no more and I will be writing to others about this company becuse, I've been a loyal customer 15 years plus and now I have to go through this over merchandise I returned due to bad quality, when I was originally told shipping and handling is free, well then when is it free?
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced accounts. ComenityBank issues the Victoria’s Secret Angel and The Limited credit cards. We are here to answer yourquestions and assist with your concerns.We previously responded to your correspondence...
submitted to the Revdex.com regarding thismatter. As previously stated, we are unwilling to remove any fees from your account or update your creditbureau history, as it is valid. Additionally we understand you are saying that the Bank gave you incorrectpay-off amountsAfter reviewing calls you had with the Bank, we found no indication that a Bank representative gave youconflicting information regarding the account balances,Bank records indicate that your payments for each account noted above were due by June 11, 2016;however, the Bank did not receive payments for both of your accounts until July 6, 2016. As a result of thepayments being received after the due date, late fees were assessed on each of the accounts.Furthermore, statements continued to be sent to your showing that a balance still remained on the account;however, no payments were received. As a result late fees continued to be assessed to your accounts.Please find enclosed a copy of our response sent to you on April 20, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Jenny W[redacted]Dear [redacted]Comenity Bank has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel and The Limited credit cards. Weare here to answer your questions and assist with your concerns.Your complaint states that you consolidated some of your debts through Decatur EarthmoverCredit Union and provided them with the payoff amounts for your accounts. You further state thatyour bank sent in payments to pay off both accounts, and included letters to close both accounts.However, you are still being charged monthly and the balances continue to increase, which iscausing a negative effect on your credit. You are requesting that the balances on your accountsbe brought to zero as you have paid both accounts in full. I understand your concerns andapologize for any confusion or frustration this matter may have caused you.Bank records indicate that on May 16, 2016, your Victoria’s Secret Angel account statement wasissued to you showing a balance of $337.67, with a minimum payment of $40.00 due by June 11,2016. Please be advised that Comenity Bank received your payment of $337.67 on July 6, 2016.As a result of the payment being received after the due date, a late fee was assessed to youraccount. Furthermore, billing statements continued to be issued to you showing a balance stillremained on the Victoria’s Secret Angel account; however, for the months of July 2016,September 2016, October 2016, November 2016, December 2016, January 2017, February 2017,and March 2017 no payments were made. As a result, late fees were assessed to your account.Please be advised that on April 15, 2017, your Victoria’s Secret Angel account was permanentlyclosed, written-off, and reported to the national credit-reporting agencies as an unpaid debt. Ihave enclosed the billing statements for your review.Bank records further indicate that on May 16, 2016, The Limited account statement was issuedto you showing a balance of $404.88, with a minimum payment of $47.00 due by June 11, 2016.Please be advised that Comenity Bank received your payment of $404.88 on July 6, 2016. As aresult of the payment being received after the due date, a late fee was assessed to your account.Furthermore, billing statements continued to be issued to you showing a balance still remainedon The Limited account; however, for the months of July 2016, September 2016, October 2016,November 2016, December 2016, January 2017, February 2017, and March 2017 no paymentswere made. As a result, late fees were assessed to your account. Please be advised that on April15, 2017, The Limited account was permanently closed, written-off, and reported to the nationalcredit-reporting agencies as an unpaid debt. I have enclosed the billing statements for yourreview.Comenity Bank did not find any billing errors. Therefore, we are unwilling to remove any fees thatwere assessed to your accounts, as they are valid.Please be advised that we are only willing to remove or change information that our companyincorrectly furnished to the credit-reporting agencies. We have found the information we reportedis an accurate reflection of the payment history for your accounts. Therefore, this information willnot be changed or removed from your credit bureau report.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me, since you closed the accounts I requested. I want to make it very clear that it is my intent to fulfill my obligation to pay those accounts out in full.
Regards, [redacted]
Dear [redacted] We recently received a complaint, addressed to the Revdex.com, regarding your David’s Bridal® credit card account. Comenity Capital Bank, formerly known as World Financial Capital Bank, issues David’s Bridal® credit card accounts and we respond to...
all account-related inquiries. I appreciate the opportunity to assist you. We understand your concerns regarding the Bank fees applied to your David’s Bridal® account, and we sincerely apologize for any frustration or inconvenience this matter may have caused you. We have thoroughly reviewed your account, and we are pleased to share our findings below. Bank records indicate that the David’s Bridal® account was opened on January 28, 2012; use of the account or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any fees and/or finance charges. For your reference, I have enclosed a table which outlines your statement activity from February 2012 through March 2014, including: purchases, payments, and Bank fees assessed. Information about the above-noted promotional plans was provided to you on your monthly billing statements in the “details of your plans” section. As agreed at the time of purchase, no interest would be assessed to the account should the balances be paid in full by the promotional plan ending dates. The following promotional plans were not paid in full by the respective promotional plan end dates: [redacted] and [redacted]; as a result, finance charges dating back to the original date of purchase were applied to the account. Please note, when a promotional plan expires, the remaining balance on the promotional plan is transferred to a revolving plan. Our records indicate that the annual percentage rate for revolving balances on your David’s Bridal® credit card has always been 26.99%. Furthermore, as payments were either not received for the minimum due amount, or were not received by the respective due date(s) for the months of March through May 2013, August through December 2013, and January through March 2014, late fees and finance charges were assessed to the account, pursuant of the CCA. For your review, we have enclosed a copy of the CCA, as well as copies of the monthly billing statements, which show the account activity that comprised the account balance and delinquencies, which were reported to the credit bureaus. We 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,
We received your complaint, addressed to the Revdex.com, regarding the accounts referenced above. As the bank that issues Meijer®, Giant Eagle, and Victoria’s Secret credit card accounts, Comenity Bank is here to help with your account-related concerns. I appreciate the...
opportunity to assist you. We previously received and responded to your correspondence submitted to the FDIC regarding this same matter. Please find enclosed a copy of our response sent to you on November 9,2016. 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, Bryan H[redacted] Consumer Relations Specialist
Dear [redacted] We received your additional complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues BrylaneHome credit card accounts, and we are here to assist you with all account-related questions. I appreciate the opportunity to...
respond to your concerns. We previously received and responded to your correspondence submitted to the FDIC regarding this same matter. Please find enclosed a copy of our response sent to you on April 4, 2016. We hope you have found this information helpful. If you have any further questions, please contact Erin M[redacted] at the number provided in the prior correspondence. They will be happy to assist you. Sincerely, Amanda R**
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Marathon credit card. We are here to answer your questionsand assist with your concerns.We understand that you have received a billing statement for an...
account that is not yours. Youstate you do have an account with Comenity Bank, however the Marathon credit card is not theaccount. I understand that you are requesting the account be removed from you credit bureaureport.Please be assured your concerns have been forwarded to our Account Protection (Fraud) Team,and fraud case number [redacted]. The investigation may take up to 90 days to be completed,and you will be notified by mail of the outcome. If you have any questions regarding the fraudinvestigation, you may reach the Account Protection Team at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W[redacted]
Dear Elizabeth Knight: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria's Secret Angel credit card. We are here to answer your questions and assist with your concerns. I understand that you have...
received two late fees on your account, and feel that they are unfair and should be removed. Please be advised, the due date on your account is the 16th of every month. Keep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Our records indicate on May 5, 2017, a late fee in the amount of $32.00 was removed from the account. We respectfully decline your request to remove the additional late fee. 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, K. W[redacted] Kristina W[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]:
We have received the complaint you sent to the RevDex.com (Revdex.com) regarding the above-noted account. Your correspondence was forwarded to
Comenity Bank (Bank).
Comenity Bank issues the Victoria’s Secret Angel
credit card, and we are here...
to help answer your questions. I appreciate the opportunity to assist you
with your concerns.
You state in your complaint to the Revdex.com this
bill had been paid several times but late charges and high interest keep being
added. In addition, you are receiving
telephone calls requesting payments; however, the principal balance was paid
off. At this time, you’re requesting
that we remove all the fees, closed the account, and stop the collection calls.
We understand your concerns and would like to
take this moment to explain our findings.
On October 2015 a billing statement was
mailed to your address above indicating a balance of $48.47 with a minimum
payment of $25.00 due by November 11, 2015.
During your billing period of October 2015 through March 2016, Bank
records indicate we had received two payments, one for $25.00 on December 31,
2015 and the other for $15.00 on January 27, 2016.
For the months of November 2015, December
2015, and February 2016 your records show no payments being received. Should you have payments made during these
months above that have not been credited to your Victoria’s Secret Angel credit
card account, please send us a front and back copy of the cancelled check(s),
or if you made payment in your local store, a copy of the receipt(s) would
assist us in getting your account adjusted.
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 (CCA). Enclosed
you will find a copy of the CCA and copies of your billing statements showing
the account activity that resulted in the account balance.
At this time, Comenity Bank has not found any
bank errors and finds the balance valid; however, in the interest of customer
service, we have credited your account for the last late fee of $25.00. This adjustment will bring your account to
balance of $107.96. This amount would be
due by April 11, 2016, or you have the option to pay the minimum due payment of
$30.00.
We apologize for the inconvenience this may
have caused. You should no longer be
receiving phone calls regarding this matter as we have flagged the telephone
number ending in [redacted] with “Do Not Call” instructions. However, we suggest making payment
arrangements for the remaining balance since we are unable to contact you via
phone per your request.
Additionally, customers who are experiencing
financial difficulties are urged to contact a non-profit Consumer Credit
Counseling Service (CCCS), organization for assistance. Their programs can provide options such as
reducing the interest rate and the minimum payment requirement, and could
include all of your client’s creditors.
Comenity Bank supports and participates in the programs provided by
CCCS agencies. Should you wish to obtain
information regarding their programs and for a member agency located near you,
please contact the National Foundation for Credit Counseling at ###-###-####.
Comenity Bank understands that customers may
experience difficulty making their payments due to unforeseen
circumstances. Your client may be
eligible for enrollment in our Customer Hardship Program. This program provides customers with six to
twelve months of special terms in order to bring and keep the account
current. If you are interested in
obtaining information on whether your client qualifies for this program, or to
discuss settlement negotiations, please contact a Payment Solutions
representative at ###-###-####.
Please be assured that your account was
closed per your request on March 24, 2016.
I hope you
have found this information to be helpful. If you have any questions or
concerns, please feel free to contact me at ###-###-####, ext. 7293086
(TDD/TTY: ###-###-####). I will be
happy to assist you.Sincerely,
Jack C[redacted]
Thank you for your complaint, addressed to the Revdex.com, regarding the above notedaccount. Comenity Capital Bank issues Virgin America Visa@ credit card accounts, andwe respond to all account-related questions. Your complaint was forwarded to my attention,and I appreciate this...
opportunity to assist you.Your compliant indicates that you have not received the companion ticket code. You state thatyou have paid the annual fee that is associated with the credit card and have not received anybenefits from having the credit card. You are asking for a refund on the annual fee in theamount of $49.00.Bank records indicate an error occurred with the companion ticket code, we will be sending youyour companion code by next week. Unfortunately, we were unaware of this error andapologize for the inconvenience you have experienced due to this error.In the interest of customer service we have issued a credit in the amount of $49.00 for theannual fee.Should you have any questions or concerns, please feel free to contact me at ###-###-####ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,
In response to the letter that Comenity sent. I have to say that I understand that they have to investigate. I don’t agree with there 90 days policy. I have waited long enough for this and I’m being charged very high interest on this account. I expect for them to try to resolve this matter as soon as possible being that they have all the information for a very long time.
Dear [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the fullbeauty credit card. We are here to answer your questions and assist with your concerns. We understand your concerns as stated in your...
correspondence. You were charged $19.00 for a club membership fee that you did not authorize. You are requesting to have the fees credited, your account brought to zero, and any negative information on your credit report related to this matter removed. According to fullbeauty records, the charge of $19.00 was for the renewal of the Shopper’s Club membership, which is purchased through the Woman Within catalog department. If you have additional concerns or questions regarding this renewal or wish to cancel future renewals, we ask that you contact Woman Within directly at ###-###-####. In the interest of customer service, we have credited $173.66 for the renewal of the Shopper’s Club membership fee, the late fees, and finance charges, which will bring the account to a zero balance. We have also corrected the payment history to reflect a current account. Please allow the credit agencies 45 days 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, Tionna M[redacted]
I understand that you are following your policy.I would be willing to pay the original late fee of $27.00 in order to settle the account.
Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]
Dear [redacted]Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the David’s Bridal credit card. We are here to answer your questions andassist with your concerns.We received you correspondence, addressed to the...
Revdex.com. You state that you were givenincorrect information regarding the balance on your account during a call. You indicate that you startedreceiving calls from the Bank regarding payments owed on the account several months later. During thecall, you advised the representative that you did not receive any statements and thought the account waspaid in full. The representative advised that your statements were returned to the Bank due to “unable todeliver”. Due to this matter, the representative advised you that she would credit the account in the amountof $108.90 for the fees assessed to the account, and you would have to pay the last late fee. You state thatyou do not owe the other fees on the account due to the incorrect information received from the Bank.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.After a thorough review of the account, our records indicate that during the call placed to the Bank on March23, 2016, you were advised that credits of $108.90 were applied to the account due to the return mail onthe account. During this conversation, the representative advised you that after the credits the balancewould be $91.01. At that time you made a payment of $56.00, and the representative advised you theremaining balance would be $35.01, which would have to reach the Bank by May 3, 2016. As the Bank didnot receive a payment until July 18, 2016, in the amount of $35.00, additional late fees and finance chargeswere assessed to the account.In regard to the non-receipt of the statements, please be assured that the statements are being issued tothe email address on file: [redacted], as verified during the conversation on March 23, 2016.The Bank has not received any indication of the statements being undeliverable.On February 15, 2017, the account was closed, written off with a balance of $340.24, and reported to thenational credit-reporting agencies as an unpaid debt.As your account was issued a credit for Bank fees previously, please understand that we are unwilling tocredit your account any additional late fees or finance charges at this time. We encourage you to contactour Recovery team at ###-###-####, to discuss suitable payment arrangements.I hope you found this information to be helpful. If you have any questions or concerns, please feel free tocontact our Payment Solutions Team.Sincerely,Renee S[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Bon-Ton credit card. We are here to answer your questions and assistwith your concerns.We understand from your complaint that the account was closed after the...
balance reached $100.00. Youstate you attempted to pay the balance and could not. You feel Bon-Ton should pay the $500.00 balance,as you advised the Bank that you could make a payment Monday, but the account was closed on Saturday.You request a billing adjustment. I am happy to share my findings.Please note that Bon-Ton and Comenity Bank are two separate entities. The Bank issues and is responsiblefor addressing questions related to your credit card account. Bon-Ton is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.Bank records indicate the account was temporarily suspended on September 2, 2016, as a result of thedelinquent payment status. At this time, the account was four billing cycles past due with an outstandingbalance of $393.72. The Bank evaluated the account for reinstatement looking for consistent, on-timepayments.Furthermore, per the letter issued October 21, 2016, in response to your dispute, we were unable to acceptyour balance transfer to a Bankcard account.Additionally, the account wrote off on December 2, 2016, with a balance of $533.08. Due to no paymentarrangements, the account was then sold to [redacted] on December 23, 2016. To set up suitablepayment arrangements, please contact them directly at ###-###-####.The Bank finds no error and no adjustment will be made to the account.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Kaija M[redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bankissues Pier 1 Imports® and New York & Company credit card accounts, and werespond to account-related questions. Your complaint was...
forwarded to my attention, and I appreciate theopportunity to respond to your concerns. We understand your concerns regarding the status of your Pier 1 Imports® and NewYork & Company account and that you would like to have the accounts closedand new accounts opened so that you may use your accounts. We apologize for any frustration that thisissue may have caused you. Although Comenity Bank takes every precaution to prevent credit card fraud, fraudulentactivity can still occur. Please be advised that your accounts are being handled by our Account Protection teamand if you have any questions regarding the status of the account pleasecontact your investigator, [redacted], at ###-###-####, ext. [redacted] We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext[redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely, [redacted]Consumer Relations Specialist
Dear [redacted]We received the complaint that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues Ann Taylor/LOFT 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 state that you purchased a dress online from Ann Taylor. You returned the dress on September 27, 2015, the clerk accepted the dress and in exchange you received a receipt that stated “Return” $34.00, indicating a credit to your Ann Taylor/LOFT charge card; however, as of February 8, 2016, no credit has been applied to the account. In addition, you sent a letter with a copy of the receipt and have been in communication with customer service; they advised more time is needed. You request the return to be processed and a refund check issued to you. Please note, we have reviewed the above-noted credit card account, and we are pleased to share our findings below. Our records indicate that your inquiry was previously received and a response was issued to you on November 9, 2015. We have enclosed a copy of our response for your records. After reviewing your return receipt, we find that the return on September 27, 2015, was applied to your debit card ending in 5708. As this return transaction was applied to your debit card, you will not see a $34.00 credit reflected on your Ann Taylor/LOFT account.Bank records indicate the account was closed, per your request, on February 13, 2016, with a zero balance. If you have any other questions regarding this return we suggest that you contact the store where the transaction was processed. We value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you. We hope this information is helpful. Should you have any further questions or concerns regarding this situation, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you. Sincerely,Tionna M[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]
I don't understand why I owe $45.01 now if they are saying I returned two orders and when I returned the item the representative told me it was free of charge and I have never had to pay this before for returning a merchandise and if your saying $7.50 each order, then that would be a total of $15.00 . Where is $ 45.01 coming from, when it was originally thirty and then went to sixty plus. I disagree and I'm willing to send fifteen and no more and I will be writing to others about this company becuse, I've been a loyal customer 15 years plus and now I have to go through this over merchandise I returned due to bad quality, when I was originally told shipping and handling is free, well then when is it free?
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced accounts. ComenityBank issues the Victoria’s Secret Angel and The Limited credit cards. We are here to answer yourquestions and assist with your concerns.We previously responded to your correspondence...
submitted to the Revdex.com regarding thismatter. As previously stated, we are unwilling to remove any fees from your account or update your creditbureau history, as it is valid. Additionally we understand you are saying that the Bank gave you incorrectpay-off amountsAfter reviewing calls you had with the Bank, we found no indication that a Bank representative gave youconflicting information regarding the account balances,Bank records indicate that your payments for each account noted above were due by June 11, 2016;however, the Bank did not receive payments for both of your accounts until July 6, 2016. As a result of thepayments being received after the due date, late fees were assessed on each of the accounts.Furthermore, statements continued to be sent to your showing that a balance still remained on the account;however, no payments were received. As a result late fees continued to be assessed to your accounts.Please find enclosed a copy of our response sent to you on April 20, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Jenny W[redacted]Dear [redacted]Comenity Bank has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel and The Limited credit cards. Weare here to answer your questions and assist with your concerns.Your complaint states that you consolidated some of your debts through Decatur EarthmoverCredit Union and provided them with the payoff amounts for your accounts. You further state thatyour bank sent in payments to pay off both accounts, and included letters to close both accounts.However, you are still being charged monthly and the balances continue to increase, which iscausing a negative effect on your credit. You are requesting that the balances on your accountsbe brought to zero as you have paid both accounts in full. I understand your concerns andapologize for any confusion or frustration this matter may have caused you.Bank records indicate that on May 16, 2016, your Victoria’s Secret Angel account statement wasissued to you showing a balance of $337.67, with a minimum payment of $40.00 due by June 11,2016. Please be advised that Comenity Bank received your payment of $337.67 on July 6, 2016.As a result of the payment being received after the due date, a late fee was assessed to youraccount. Furthermore, billing statements continued to be issued to you showing a balance stillremained on the Victoria’s Secret Angel account; however, for the months of July 2016,September 2016, October 2016, November 2016, December 2016, January 2017, February 2017,and March 2017 no payments were made. As a result, late fees were assessed to your account.Please be advised that on April 15, 2017, your Victoria’s Secret Angel account was permanentlyclosed, written-off, and reported to the national credit-reporting agencies as an unpaid debt. Ihave enclosed the billing statements for your review.Bank records further indicate that on May 16, 2016, The Limited account statement was issuedto you showing a balance of $404.88, with a minimum payment of $47.00 due by June 11, 2016.Please be advised that Comenity Bank received your payment of $404.88 on July 6, 2016. As aresult of the payment being received after the due date, a late fee was assessed to your account.Furthermore, billing statements continued to be issued to you showing a balance still remainedon The Limited account; however, for the months of July 2016, September 2016, October 2016,November 2016, December 2016, January 2017, February 2017, and March 2017 no paymentswere made. As a result, late fees were assessed to your account. Please be advised that on April15, 2017, The Limited account was permanently closed, written-off, and reported to the nationalcredit-reporting agencies as an unpaid debt. I have enclosed the billing statements for yourreview.Comenity Bank did not find any billing errors. Therefore, we are unwilling to remove any fees thatwere assessed to your accounts, as they are valid.Please be advised that we are only willing to remove or change information that our companyincorrectly furnished to the credit-reporting agencies. We have found the information we reportedis an accurate reflection of the payment history for your accounts. Therefore, this information willnot be changed or removed from your credit bureau report.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me, since you closed the accounts I requested. I want to make it very clear that it is my intent to fulfill my obligation to pay those accounts out in full.
Regards, [redacted]
Dear [redacted] We recently received a complaint, addressed to the Revdex.com, regarding your David’s Bridal® credit card account. Comenity Capital Bank, formerly known as World Financial Capital Bank, issues David’s Bridal® credit card accounts and we respond to...
all account-related inquiries. I appreciate the opportunity to assist you. We understand your concerns regarding the Bank fees applied to your David’s Bridal® account, and we sincerely apologize for any frustration or inconvenience this matter may have caused you. We have thoroughly reviewed your account, and we are pleased to share our findings below. Bank records indicate that the David’s Bridal® account was opened on January 28, 2012; use of the account or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any fees and/or finance charges. For your reference, I have enclosed a table which outlines your statement activity from February 2012 through March 2014, including: purchases, payments, and Bank fees assessed. Information about the above-noted promotional plans was provided to you on your monthly billing statements in the “details of your plans” section. As agreed at the time of purchase, no interest would be assessed to the account should the balances be paid in full by the promotional plan ending dates. The following promotional plans were not paid in full by the respective promotional plan end dates: [redacted] and [redacted]; as a result, finance charges dating back to the original date of purchase were applied to the account. Please note, when a promotional plan expires, the remaining balance on the promotional plan is transferred to a revolving plan. Our records indicate that the annual percentage rate for revolving balances on your David’s Bridal® credit card has always been 26.99%. Furthermore, as payments were either not received for the minimum due amount, or were not received by the respective due date(s) for the months of March through May 2013, August through December 2013, and January through March 2014, late fees and finance charges were assessed to the account, pursuant of the CCA. For your review, we have enclosed a copy of the CCA, as well as copies of the monthly billing statements, which show the account activity that comprised the account balance and delinquencies, which were reported to the credit bureaus. We 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,
[redacted] Consumer Relations Specialist
I did receive notice on this matter and am satisfied with the changes and corrections to my account.[redacted]
We received your complaint, addressed to the Revdex.com, regarding the accounts referenced above. As the bank that issues Meijer®, Giant Eagle, and Victoria’s Secret credit card accounts, Comenity Bank is here to help with your account-related concerns. I appreciate the...
opportunity to assist you. We previously received and responded to your correspondence submitted to the FDIC regarding this same matter. Please find enclosed a copy of our response sent to you on November 9,2016. 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, Bryan H[redacted] Consumer Relations Specialist
Dear [redacted] We received your additional complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues BrylaneHome credit card accounts, and we are here to assist you with all account-related questions. I appreciate the opportunity to...
respond to your concerns. We previously received and responded to your correspondence submitted to the FDIC regarding this same matter. Please find enclosed a copy of our response sent to you on April 4, 2016. We hope you have found this information helpful. If you have any further questions, please contact Erin M[redacted] at the number provided in the prior correspondence. They will be happy to assist you. Sincerely, Amanda R**
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Marathon credit card. We are here to answer your questionsand assist with your concerns.We understand that you have received a billing statement for an...
account that is not yours. Youstate you do have an account with Comenity Bank, however the Marathon credit card is not theaccount. I understand that you are requesting the account be removed from you credit bureaureport.Please be assured your concerns have been forwarded to our Account Protection (Fraud) Team,and fraud case number [redacted]. The investigation may take up to 90 days to be completed,and you will be notified by mail of the outcome. If you have any questions regarding the fraudinvestigation, you may reach the Account Protection Team at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W[redacted]
Dear Elizabeth Knight: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria's Secret Angel credit card. We are here to answer your questions and assist with your concerns. I understand that you have...
received two late fees on your account, and feel that they are unfair and should be removed. Please be advised, the due date on your account is the 16th of every month. Keep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Our records indicate on May 5, 2017, a late fee in the amount of $32.00 was removed from the account. We respectfully decline your request to remove the additional late fee. 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, K. W[redacted] Kristina W[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]:
We have received the complaint you sent to the RevDex.com (Revdex.com) regarding the above-noted account. Your correspondence was forwarded to
Comenity Bank (Bank).
Comenity Bank issues the Victoria’s Secret Angel
credit card, and we are here...
to help answer your questions. I appreciate the opportunity to assist you
with your concerns.
You state in your complaint to the Revdex.com this
bill had been paid several times but late charges and high interest keep being
added. In addition, you are receiving
telephone calls requesting payments; however, the principal balance was paid
off. At this time, you’re requesting
that we remove all the fees, closed the account, and stop the collection calls.
We understand your concerns and would like to
take this moment to explain our findings.
On October 2015 a billing statement was
mailed to your address above indicating a balance of $48.47 with a minimum
payment of $25.00 due by November 11, 2015.
During your billing period of October 2015 through March 2016, Bank
records indicate we had received two payments, one for $25.00 on December 31,
2015 and the other for $15.00 on January 27, 2016.
For the months of November 2015, December
2015, and February 2016 your records show no payments being received. Should you have payments made during these
months above that have not been credited to your Victoria’s Secret Angel credit
card account, please send us a front and back copy of the cancelled check(s),
or if you made payment in your local store, a copy of the receipt(s) would
assist us in getting your account adjusted.
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 (CCA). Enclosed
you will find a copy of the CCA and copies of your billing statements showing
the account activity that resulted in the account balance.
At this time, Comenity Bank has not found any
bank errors and finds the balance valid; however, in the interest of customer
service, we have credited your account for the last late fee of $25.00. This adjustment will bring your account to
balance of $107.96. This amount would be
due by April 11, 2016, or you have the option to pay the minimum due payment of
$30.00.
We apologize for the inconvenience this may
have caused. You should no longer be
receiving phone calls regarding this matter as we have flagged the telephone
number ending in [redacted] with “Do Not Call” instructions. However, we suggest making payment
arrangements for the remaining balance since we are unable to contact you via
phone per your request.
Additionally, customers who are experiencing
financial difficulties are urged to contact a non-profit Consumer Credit
Counseling Service (CCCS), organization for assistance. Their programs can provide options such as
reducing the interest rate and the minimum payment requirement, and could
include all of your client’s creditors.
Comenity Bank supports and participates in the programs provided by
CCCS agencies. Should you wish to obtain
information regarding their programs and for a member agency located near you,
please contact the National Foundation for Credit Counseling at ###-###-####.
Comenity Bank understands that customers may
experience difficulty making their payments due to unforeseen
circumstances. Your client may be
eligible for enrollment in our Customer Hardship Program. This program provides customers with six to
twelve months of special terms in order to bring and keep the account
current. If you are interested in
obtaining information on whether your client qualifies for this program, or to
discuss settlement negotiations, please contact a Payment Solutions
representative at ###-###-####.
Please be assured that your account was
closed per your request on March 24, 2016.
I hope you
have found this information to be helpful. If you have any questions or
concerns, please feel free to contact me at ###-###-####, ext. 7293086
(TDD/TTY: ###-###-####). I will be
happy to assist you.Sincerely,
Jack C[redacted]
Thank you for your complaint, addressed to the Revdex.com, regarding the above notedaccount. Comenity Capital Bank issues Virgin America Visa@ credit card accounts, andwe respond to all account-related questions. Your complaint was forwarded to my attention,and I appreciate this...
opportunity to assist you.Your compliant indicates that you have not received the companion ticket code. You state thatyou have paid the annual fee that is associated with the credit card and have not received anybenefits from having the credit card. You are asking for a refund on the annual fee in theamount of $49.00.Bank records indicate an error occurred with the companion ticket code, we will be sending youyour companion code by next week. Unfortunately, we were unaware of this error andapologize for the inconvenience you have experienced due to this error.In the interest of customer service we have issued a credit in the amount of $49.00 for theannual fee.Should you have any questions or concerns, please feel free to contact me at ###-###-####ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,
In response to the letter that Comenity sent. I have to say that I understand that they have to investigate. I don’t agree with there 90 days policy. I have waited long enough for this and I’m being charged very high interest on this account. I expect for them to try to resolve this matter as soon as possible being that they have all the information for a very long time.
Dear [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the fullbeauty credit card. We are here to answer your questions and assist with your concerns. We understand your concerns as stated in your...
correspondence. You were charged $19.00 for a club membership fee that you did not authorize. You are requesting to have the fees credited, your account brought to zero, and any negative information on your credit report related to this matter removed. According to fullbeauty records, the charge of $19.00 was for the renewal of the Shopper’s Club membership, which is purchased through the Woman Within catalog department. If you have additional concerns or questions regarding this renewal or wish to cancel future renewals, we ask that you contact Woman Within directly at ###-###-####. In the interest of customer service, we have credited $173.66 for the renewal of the Shopper’s Club membership fee, the late fees, and finance charges, which will bring the account to a zero balance. We have also corrected the payment history to reflect a current account. Please allow the credit agencies 45 days 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, Tionna M[redacted]
the Bank is unable to purge my information from their system. This is unacceptable. Regards, [redacted]
I understand that you are following your policy.I would be willing to pay the original late fee of $27.00 in order to settle the account.
Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]
Dear [redacted]Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the David’s Bridal credit card. We are here to answer your questions andassist with your concerns.We received you correspondence, addressed to the...
Revdex.com. You state that you were givenincorrect information regarding the balance on your account during a call. You indicate that you startedreceiving calls from the Bank regarding payments owed on the account several months later. During thecall, you advised the representative that you did not receive any statements and thought the account waspaid in full. The representative advised that your statements were returned to the Bank due to “unable todeliver”. Due to this matter, the representative advised you that she would credit the account in the amountof $108.90 for the fees assessed to the account, and you would have to pay the last late fee. You state thatyou do not owe the other fees on the account due to the incorrect information received from the Bank.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.After a thorough review of the account, our records indicate that during the call placed to the Bank on March23, 2016, you were advised that credits of $108.90 were applied to the account due to the return mail onthe account. During this conversation, the representative advised you that after the credits the balancewould be $91.01. At that time you made a payment of $56.00, and the representative advised you theremaining balance would be $35.01, which would have to reach the Bank by May 3, 2016. As the Bank didnot receive a payment until July 18, 2016, in the amount of $35.00, additional late fees and finance chargeswere assessed to the account.In regard to the non-receipt of the statements, please be assured that the statements are being issued tothe email address on file: [redacted], as verified during the conversation on March 23, 2016.The Bank has not received any indication of the statements being undeliverable.On February 15, 2017, the account was closed, written off with a balance of $340.24, and reported to thenational credit-reporting agencies as an unpaid debt.As your account was issued a credit for Bank fees previously, please understand that we are unwilling tocredit your account any additional late fees or finance charges at this time. We encourage you to contactour Recovery team at ###-###-####, to discuss suitable payment arrangements.I hope you found this information to be helpful. If you have any questions or concerns, please feel free tocontact our Payment Solutions Team.Sincerely,Renee S[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Bon-Ton credit card. We are here to answer your questions and assistwith your concerns.We understand from your complaint that the account was closed after the...
balance reached $100.00. Youstate you attempted to pay the balance and could not. You feel Bon-Ton should pay the $500.00 balance,as you advised the Bank that you could make a payment Monday, but the account was closed on Saturday.You request a billing adjustment. I am happy to share my findings.Please note that Bon-Ton and Comenity Bank are two separate entities. The Bank issues and is responsiblefor addressing questions related to your credit card account. Bon-Ton is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.Bank records indicate the account was temporarily suspended on September 2, 2016, as a result of thedelinquent payment status. At this time, the account was four billing cycles past due with an outstandingbalance of $393.72. The Bank evaluated the account for reinstatement looking for consistent, on-timepayments.Furthermore, per the letter issued October 21, 2016, in response to your dispute, we were unable to acceptyour balance transfer to a Bankcard account.Additionally, the account wrote off on December 2, 2016, with a balance of $533.08. Due to no paymentarrangements, the account was then sold to [redacted] on December 23, 2016. To set up suitablepayment arrangements, please contact them directly at ###-###-####.The Bank finds no error and no adjustment will be made to the account.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Kaija M[redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bankissues Pier 1 Imports® and New York & Company credit card accounts, and werespond to account-related questions. Your complaint was...
forwarded to my attention, and I appreciate theopportunity to respond to your concerns. We understand your concerns regarding the status of your Pier 1 Imports® and NewYork & Company account and that you would like to have the accounts closedand new accounts opened so that you may use your accounts. We apologize for any frustration that thisissue may have caused you. Although Comenity Bank takes every precaution to prevent credit card fraud, fraudulentactivity can still occur. Please be advised that your accounts are being handled by our Account Protection teamand if you have any questions regarding the status of the account pleasecontact your investigator, [redacted], at ###-###-####, ext. [redacted] We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext[redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely, [redacted]Consumer Relations Specialist
Dear [redacted]We received the complaint that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues Ann Taylor/LOFT 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 state that you purchased a dress online from Ann Taylor. You returned the dress on September 27, 2015, the clerk accepted the dress and in exchange you received a receipt that stated “Return” $34.00, indicating a credit to your Ann Taylor/LOFT charge card; however, as of February 8, 2016, no credit has been applied to the account. In addition, you sent a letter with a copy of the receipt and have been in communication with customer service; they advised more time is needed. You request the return to be processed and a refund check issued to you. Please note, we have reviewed the above-noted credit card account, and we are pleased to share our findings below. Our records indicate that your inquiry was previously received and a response was issued to you on November 9, 2015. We have enclosed a copy of our response for your records. After reviewing your return receipt, we find that the return on September 27, 2015, was applied to your debit card ending in 5708. As this return transaction was applied to your debit card, you will not see a $34.00 credit reflected on your Ann Taylor/LOFT account.Bank records indicate the account was closed, per your request, on February 13, 2016, with a zero balance. If you have any other questions regarding this return we suggest that you contact the store where the transaction was processed. We value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you. We hope this information is helpful. Should you have any further questions or concerns regarding this situation, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you. Sincerely,Tionna M[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]