We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Cmenity Bank issues Woman Within credit card accounts, and we arehere to assist you with all account-related questions. I appreciate the opportunity to respond toyour concerns.We understand...
from your complaint that you were recently represented by an attorney that wasthrown in jail due to a serious crime he committed against his clients. You then notified theBank of the situation and paid $400.00, and asked for statements to be sent to you by mail.You state you never received statements. and you were unable to pay online. In December,you paid three months' worth of payments plus late fees. You are concerned your balance isincorrect. You state you were previously advised that your credit bureau is reflecting that theaccount was included in a bankruptcy.Thank you for speaking with me on January 28,2016. Below is a summary of our conversationand information regarding the BanK's actions in regard to this matter.On June 12, 2015. the Bank received notification from [redacted] that you weretheir client and that we were to cease and desist communication with you. Additionally, theyrequested to have any future correspondence directed to the law firm. To comply with thisrequest, a cease and desist status was placed on your account and the law firm's address wasadded to the account so all correspondence, including billing statements, would be sent to thelaw firm.On January 13, 2016, the Bank received your letter, dated December 30, 2015, advising us ofthe situation regarding [redacted] and that you were no longer beingrepresented by them. As such, the attorney's information was removed from your account, andthe cease and desist they ordered, was removed. Please be assured that all correspondencewill be directed to you.On December 9, 2015, the Bank issued credits for previously assessed late fees totaling$105.00. As the Bank finds the balance to be valid, we are unwilling to refund any furthercharges pertaining to the balance. Enclosed please find your billing statements which show theaccount activity that comprised the account balance.Please keep in mind when payments are not received, are received aRer the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement.As of the date of this letter. the Woman Within@ account has a balance of $809.50.To provide the best customer service possible, please note the following ways in whichpayments may be made. Choose a payment method that is right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (En can be credited to youraccount the same-day. Online payments submitted after 8:00 p.m. ET will be credited thefollowing day (or on your future scheduled payment date). Please note that it may take up to twobusiness days to wmplete the financial transfer from your personal bank account to yourWoman Within@ account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing a week for the payment to arrive. If you're a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Phone:If you need to make a payment the same-day, you may call us at the phone number on the badof your billing statement to speak to a Customer Care representative. A fee may apply to samedaypayments made with the representative.When we spoke you stated that we advised you that we were unable to process your paymentsvia telephone, because of the attorney representation. Please be advised we received twopayments processed via telephone while attorney representation was on the account. OnAugust 3, 2015, we received your payment of $400.00, and December 8. 2015, we receivedyour payment of $150.00. Phone payments are an available option for you.Comenity Bank is required by law to report factual data to the credit-reporting agencies withregard to account activity. At this time, Comenity Bank finds no errors in I k reporting of youraccount to the credit bureaus. Also, please be assured that Comenity Bank is not reporting anybankruptcy for the account.I hope you find this information to be helpful. If you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
Dear [redacted], Thank you for passing along [redacted]’s communication. We reached out to her via email and provided an explanation.We understand Ms. [redacted] received a courtesy credit for late fees on her Woman Within credit card. She states the late fee credit was not in the correct amount...
which caused an additional late payment fee. Ms. [redacted] is requesting to have the correct late fee credit issued. FullBeauty Brands (d/b/a Woman Within) cannot assist Ms. [redacted] with her Woman Within credit card. Comenity Bank is an unrelated third party and FullBeauty Brands (d/b/a Woman Within) does not have the ability to accept payments or remove fees and interest. We ask that Ms. [redacted] and your office work directly with Comenity Bank if she needs further assistance with this matter.Comenity's Contact information is as follows:Comenity BankPO Box 182273Columbus, OH 4321822731-866-776-9859We thank Ms. [redacted] for taking the time to inquire and trust that we provided the information required to resolve this matter. Please feel free to let me know if you have any other questions.Sincerely,Jasmine D[redacted]
The service I received from this company was deplorable. I understand the terms of my plan and fulfilled my obligations but I refuse to "accept" the service I received and will NEVER do business with any company their institution supports.
Regards, [redacted]
See page 5 of 15 in the email correspondence document.See the February Statement attached.See reward pdfSee all other statementsI will send phone records on request.At the time I made my purchase I had earned 80 dollars of reward points that, at the time, did not expire for one year and were therefore valid at the time of purchase, see my correspondence in conjunction with my statements for the date they were applied- a year and several moths late. They should have been valid at the time of my purchase.Then, I was never given my 80.00 when comenity DID apply them. Comenity just took them away with no monetary compensation from either Crate and Barrel (CB2) or from Comenity. Comenity was acting fraudulently by rewarding the points, removing the points but never honoring the points. I want a check for 80.00 sent to me, no more no less.
Regards,
[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. I spoke with a very helpful representative a few weeks ago who was able to assist in reaching this resolution.
Regards,
[redacted]
Dear [redacted]Comenity Capital Bank has received your complaint regarding the above-referenced account. Comenity Capital Bank issues the GameStop PowerUp Rewards credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you were...
advised that your account would not be charged off if you paid it by April 2017. Furthermore, you state that on April 3, 2017, you called to pay your account in full and you were advised that since you were paying it in full, your account would not be reported as a charged off account, but that it was paid in full. You further state that you contacted the Bank regarding the way your account is being reported; however, you were unable to get it resolved. You are requesting that the Bank report your account as paid, and not charged off. We understand your concerns, and apologize for any inconvenience or frustration this matter may have caused you.We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations, and found that you were provided with incorrect information. Please be assured that calls of this nature are reviewed by our management team.Our records indicate that on March 26, 2017, your account was permanently closed, written-off, and reported to the national credit-reporting agencies as an unpaid debt. Please be advised that on April 3, 2017, the Bank received a payment of $777.19, which is after the account had already written-off. Please be assured that this information will be updated with the national credit-reporting agencies and your account will be reported as “charged off-paid”. Please allow the credit-reporting agencies 45 days to update their records.Please be advised that we are only willing to remove or change information that our company incorrectly furnished to the credit-reporting agencies. We have found the information we reported is an accurate reflection of the payment history for your account. Therefore, this information will not 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, please feel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
Dear [redacted]We received a complaint regarding the above-referenced account. Comenity Capital Bank previouslyissued American Laser Skincare credit accounts, and we are here to help with account-related questions.The complaint, addressed to the Revdex.com, was forwarded to my...
attention, and I appreciatethe opportunity to respond to your concerns.We understand from your complaint that you never received the paperwork to submit a dispute regardingtreatments you did not receive from American Laser Skincare. You state that as a result, your dispute wasclosed, and the account was turned over to a debt collector. This has negatively impacted your credit, andyou want the dispute resolved.In order for us to process the dispute, and for you to preserve your rights, we require written confirmationregarding the transaction(s) you are disputing. Please complete the form included with this letter.If any information is missing, this form may be returned and no dispute filed. This form must be receivedat the following address within 30 days from the date on this letter, or within 60 days from the date of thestatement on which the disputed charges appear, whichever is later.[redacted] [redacted]
[redacted]
[redacted]If you fail to return the form within the requested timeframe, we will assume that you no longer wish tocontinue the dispute process, and your complaint will be considered voluntarily withdrawn.Additionally, please be advised that we have recalled the account from the collection agency to which itwas sold. This process can take up to 90 days to complete; however, the collection calls should ceasewithin the next week or two. Furthermore, please be aware that Comenity Capital Bank is no longerreporting the account to the credit-reporting agencies.We apologize for any inconvenience this matter may have caused you. Should you have any additionalquestions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). Iwould be happy to assist you.Sincerely,Jenny W[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you were not receiving your billing statements, and you have been receiving collection calls in regards to your account. You state that you have been told that you have been accumulating late fees. You state that you have contacted our customer service department and were told that the late fees would be removed, however; they were never removed, and you closed the account because your credit was completely destroyed. You state that only $90.00 of the fees were removed. Furthermore, you are requesting to have the late fees refunded and to have your credit report fixed. We reviewed your concerns and we want to share our findings with regard to the Victoria’s Secret Angel account. Bank records indicate statements were returned to the Bank as undeliverable up until your billing address was updated on August 4, 2016. On this date we issued credits in the amount of $55.00 for late fees assessed to the account due to this matter. Furthermore, our records indicate the billing statements were delivered to the above noted address since the address updated in August 2106. Additionally, your payment due date is the 27th of every month. The Victoria’s Secret Angel account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing period. 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. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information.The account was closed per your request on April 17, 2017. We respectfully decline your request to remove any additional late fees. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
you have not taken into consideration the statements made to me by Ideal Image when the account was opened. This business runs in a fashion to deceive its customers.
Regards, [redacted]
July 6th 2016Order before Christmas 205 no resolveYou asked all correspondence to be sent to you.Thank you.[redacted]I've been away w/ familyContinue disputeSimply Be is connected to ComenityOver 7 mo no progress
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Wayfair Card. We are here to answer your questions andassist with your concerns.We understand the concerns as explained in your correspondence. You ordered an area rugonline, but...
found a different rug and attempted to cancel the first rug; however, you were unableto cancel online. You contacted Wayfair and were told they were having a system error, but youwould not be penalized for the return. You are requesting to have the derogatory remarks removedfrom your credit report, and the shipping fees and late charges credited.On behalf of the Bank, I would like to extend a sincere apology that this matter was not resolvedwhen you contacted the Bank directly by phone. We apologize if you felt you did not receive thebest customer service. We never intend to treat our customers in a less-than-satisfactory manner.We are committed to providing the best customer service and are disappointed when a customerfeels this standard was not met. Please be assured we have taken steps to coach our associatein providing a more positive experience to our customers.Our records indicate that the statements and Welcome Kit, consisting of the credit card and CreditCard Agreement (CCA), were mailed to the address listed above. Bank records show that theseitems were not returned to us as undeliverable by the post office.Please understand that when there is a balance on an account, and the full minimum paymentrequired on the monthly billing statement(s) is not received by the due date, late fees and financecharges will be assessed to the account, pursuant to the guidelines of the CCA.A review of our records indicates the following transactions were applied to your account: apurchase of $100.19 on December 3, 2016, a purchase of $43.99 on December 4, 2016, and areturned merchandise credit of $82.99 on December 22, 2016.The account billed on December 25, 2016, with a balance of $61.27, and a minimum payment of$25.00, due by January 20, 2017. As no payment was received by the January or February duedates; late fees and finance charges were applied to the account. On February 27, 2017, a $35.00payment was applied to the account.We contacted the corporate office, on your behalf, and they provided the sales receipts for bothorders. According to Wayfair: The order ([redacted]1) was placed on December 3, 2016; onDecember 6, 2016, they emailed you a shipping notification with the tracking information. OnDecember 22, 2016, they received your request to cancel the order.Please keep in mind, when ordering merchandise by mail, your credit card account is charged forthe cost of the merchandise, applicable sales tax and shipping and handling fees. When themerchandise is returned, your account is credited for the merchandise, sales tax and if applicable,Smart Label costs. Wayfair does not refund shipping and handling fees. These charges willremain part of your balance due.Please be advised Comenity Bank and Wayfair are two separate entities. Comenity Bank isresponsible for addressing questions related to Wayfair Card accounts, while Wayfair isresponsible for handling matters related to sales, merchandise processing, returns, shipping, andmerchandise quality.If you have further questions regarding the merchandise and shipping and handling fees, pleasecontact Wayfair directly at ###-###-####.For your review, we have enclosed copies of the monthly billing statements and copies of thesales receipts.Comenity Bank has not found any errors with the account; however, in the interest of customerservice, we have issued credits totaling $41.89 for the remaining late fees, and part of the financecharges, that were previously assessed to the account.Notification was sent to the credit reporting-agencies to remove the negative payment informationregarding the Wayfair Card account. This update should appear on your credit file within the next45 calendar days.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,
I am rejecting this response because: I paid it immediately when I saw what had happened. This was not explained to me. I was just a few days beyond your dead line and had to borrow to pay you. I have no job. I want the slate clean and inform aspen to explain this detail when finalizing, as it was not explained to me. My husband who is disabled was in there and they did not! Tell us this. It was a year n a half later and I did not know this.
Regards,
I am rejecting this response because: The matter has not been resolved, as stated in their PDF it may take them 90 days to resolve. As you can see with the attachments I attached above, I clearly paid the balance in FULL by the expiration date. This should really be a cut and dry case and should take no longer than 48 hours.
Regards,[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding an account. Comenity Bank issues multiple retail credit card accounts. We are here to answer your questions and assist with your concerns. We understand from your complaint that there were charges...
made to an account in 2015 that are not yours. You state that you continue to call and you are informed that the department can only pull up transactions from the last six months and beyond. You state that you are transferred from each department and have been calling for the last six months attempting to resolve this matter; however, no one can help you. You further state that this matter is affecting your credit report and you request a letter confirming the fraud charges. You also request a billing adjustment. I am happy to share my findings. We are unable to locate the account you are referencing regarding this matter. To further research your concerns, we request the following: Comenity Bank Account NumberThe amount and date of the purchases You may also contact our Account Protection team directly regarding this matter at ###-###-####. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Pottery Barn credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention, and I...
appreciate the opportunity to respond to your concerns. We understand your concerns regarding the interest charge that posted to your account for your expired promotional plan. You state when your Pottery Barn account was opened you did not receive a credit card or disclosures and you would like all of the previously assessed finance charges removed and your account closed. We would like to apologize for any inconvenience this issue may have caused you. The Pottery Barn account was opened on December 7, 2014. Bank records indicate that on December 8, 2014, the welcome kit, which includes the credit card, Credit Card Agreement, and disclosures, was mailed to [redacted]. We have no record of the welcome kit being returned as undeliverable, or any notification from you indicating that the welcome kit was not received. Our records indicate that a purchase of $3,051.96 was charged to the account on December 9, 2014. The purchase was placed on a 12-month deferred interest, payment required promotional plan, scheduled to end on December 10, 2015. As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date. The information was provided on all billing statements in the “details of your plans” section, that should the balance not be paid in full, accrued finance charges, dating back to the original date of purchase, would be assessed to the account. On December 10, 2015, as the remaining promotional balance of $1,377.10 was not paid in full, finance charges totaling $623.07 were assessed to the account. Bank records further indicate that on January 16, 2016, an adjustment for $200.00 was issued to your account as a courtesy to credit a portion of the previously assessed finance charges. Please be advised, as the Bank as found no Banking errors, we are unwilling to make any additional adjustments for the previously assessed interest charges. For your records we are enclosing a copy of the Credit Card Agreement and copies of your billing statements. Please be advised your account was closed per your request on January 13, 2015. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
This does not address my original complaint. The bill was created and charged under misleading and false pretenses. I have heard from Westgate Resorts, and also have a Revdex.com complaint in the Central Florida region. Westgate has agreed with us and agreed to cancel the membership and issue a credit for $6,500, as of 7/27/16. The credit is to be sent to Comenity Bank within 7-10 business days from 7/27/16.This complaint should be left open until the credit is received and we receive a statement from ty Bank Westgate MasterCard showing the $6,500 credit and all interest and penalty is reversed.
Thank you. [redacted]
Comenity Capital Bank received the complaint for [redacted]. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 06/30/2017. Please let me know if this extension date is not approved. Thank you,
Dear Mr. [redacted]We received your complaint, submitted to the Revdex.com. Comenity Bank issuesVICTORIA'S SECRET credit cards, and we are here to help answer account-related questions.Your complaint was forwarded to my attention and I appreciate the opportunity to address theconcerns.We...
understand the concerns explained in your complaint. However, as Comenity Bank is notauthorized by the accountholder to release information to you, we have mailed the responsedirectly to Mrs. [redacted].I apologize for any confusion or inconvenience this may have caused you. If you have anyfurther questions or concerns, please have Mrs. [redacted] contact me directly to provideauthorization to speak to you at ###-###-#### ( TDD/TTY ###-###-####). Iwill be happy to assist you with this authorization.Sincerely,Shawnda Y[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria's Secret Angel credit card account. We are here toanswer your questions and assist with your concerns.You state you applied for the credit card to receive a discount,...
however, you did not receive thebill on time, so a late fee was added. You called customer care and advised them of the late fee,the representative told you they would remove the late fee. You then received collection calls andthe representative was rude. You have had more fees added to your account and you feel likethe Bank is making you pay for our mistake. You would the Bank fees waived as you were advisedthe fees were being removed.We received your dispute on January 15, 2018, for late fees. Please be assured our disputeresolution team is currently working to resolve your dispute. Please also be aware, disputeinvestigations may take up to ninety days to complete. Upon completion of our investigation, wewill notify you of our findings by mail. We appreciate your patience while we conduct ourinvestigation.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues the roomplace® credit card accounts, and we respond to account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to respond to your concerns. We understand from your complaint that you made a purchase on June 27, 2016, for $2,033.97, and you are stating that you exchanged the chair for a chaise lounge and when the chaise lounge arrived it didn’t fit; therefore, you returned it and you also cancelled the rug. You state that you have not been credited for the returned and cancelled items that was purchased using the roomplace® credit card and a personal card. You are requesting that your account be credited for the merchandise and the finance charges that have been assessed due to your account not being credited. We apologize for any inconvenience this matter may have caused you. Please note that Comenity Bank and The Roomplace are two separate entities. The Bank issues and is responsible for addressing questions related to the the roomplace® credit card account. The Roomplace is responsible for handling matters related to sales, cancellations, refunds, merchandise processing, returns, shipping, and transactions made with other credit cards. We have contacted The Roomplace on your behalf regarding your returned and cancelled items. Please be advised that a credit of $229.79 was applied to your account on November 18, 2016. We were also advised that a credit of $59.27 was applied to your personal credit card. For additional information regarding your returns or cancellations, please contact The Roomplace directly at 1-630-783-8000. Our records indicate that your purchase of $2,033.97 was placed on a 24 month deferred interest plan, as this purchase is not subject to any finance charges, no credit will be issued to your account for the previously assessed finance charges. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely,
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Cmenity Bank issues Woman Within credit card accounts, and we arehere to assist you with all account-related questions. I appreciate the opportunity to respond toyour concerns.We understand...
from your complaint that you were recently represented by an attorney that wasthrown in jail due to a serious crime he committed against his clients. You then notified theBank of the situation and paid $400.00, and asked for statements to be sent to you by mail.You state you never received statements. and you were unable to pay online. In December,you paid three months' worth of payments plus late fees. You are concerned your balance isincorrect. You state you were previously advised that your credit bureau is reflecting that theaccount was included in a bankruptcy.Thank you for speaking with me on January 28,2016. Below is a summary of our conversationand information regarding the BanK's actions in regard to this matter.On June 12, 2015. the Bank received notification from [redacted] that you weretheir client and that we were to cease and desist communication with you. Additionally, theyrequested to have any future correspondence directed to the law firm. To comply with thisrequest, a cease and desist status was placed on your account and the law firm's address wasadded to the account so all correspondence, including billing statements, would be sent to thelaw firm.On January 13, 2016, the Bank received your letter, dated December 30, 2015, advising us ofthe situation regarding [redacted] and that you were no longer beingrepresented by them. As such, the attorney's information was removed from your account, andthe cease and desist they ordered, was removed. Please be assured that all correspondencewill be directed to you.On December 9, 2015, the Bank issued credits for previously assessed late fees totaling$105.00. As the Bank finds the balance to be valid, we are unwilling to refund any furthercharges pertaining to the balance. Enclosed please find your billing statements which show theaccount activity that comprised the account balance.Please keep in mind when payments are not received, are received aRer the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement.As of the date of this letter. the Woman Within@ account has a balance of $809.50.To provide the best customer service possible, please note the following ways in whichpayments may be made. Choose a payment method that is right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (En can be credited to youraccount the same-day. Online payments submitted after 8:00 p.m. ET will be credited thefollowing day (or on your future scheduled payment date). Please note that it may take up to twobusiness days to wmplete the financial transfer from your personal bank account to yourWoman Within@ account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing a week for the payment to arrive. If you're a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Phone:If you need to make a payment the same-day, you may call us at the phone number on the badof your billing statement to speak to a Customer Care representative. A fee may apply to samedaypayments made with the representative.When we spoke you stated that we advised you that we were unable to process your paymentsvia telephone, because of the attorney representation. Please be advised we received twopayments processed via telephone while attorney representation was on the account. OnAugust 3, 2015, we received your payment of $400.00, and December 8. 2015, we receivedyour payment of $150.00. Phone payments are an available option for you.Comenity Bank is required by law to report factual data to the credit-reporting agencies withregard to account activity. At this time, Comenity Bank finds no errors in I k reporting of youraccount to the credit bureaus. Also, please be assured that Comenity Bank is not reporting anybankruptcy for the account.I hope you find this information to be helpful. If you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
Dear [redacted], Thank you for passing along [redacted]’s communication. We reached out to her via email and provided an explanation.We understand Ms. [redacted] received a courtesy credit for late fees on her Woman Within credit card. She states the late fee credit was not in the correct amount...
which caused an additional late payment fee. Ms. [redacted] is requesting to have the correct late fee credit issued. FullBeauty Brands (d/b/a Woman Within) cannot assist Ms. [redacted] with her Woman Within credit card. Comenity Bank is an unrelated third party and FullBeauty Brands (d/b/a Woman Within) does not have the ability to accept payments or remove fees and interest. We ask that Ms. [redacted] and your office work directly with Comenity Bank if she needs further assistance with this matter.Comenity's Contact information is as follows:Comenity BankPO Box 182273Columbus, OH 4321822731-866-776-9859We thank Ms. [redacted] for taking the time to inquire and trust that we provided the information required to resolve this matter. Please feel free to let me know if you have any other questions.Sincerely,Jasmine D[redacted]
The service I received from this company was deplorable. I understand the terms of my plan and fulfilled my obligations but I refuse to "accept" the service I received and will NEVER do business with any company their institution supports.
Regards, [redacted]
See page 5 of 15 in the email correspondence document.See the February Statement attached.See reward pdfSee all other statementsI will send phone records on request.At the time I made my purchase I had earned 80 dollars of reward points that, at the time, did not expire for one year and were therefore valid at the time of purchase, see my correspondence in conjunction with my statements for the date they were applied- a year and several moths late. They should have been valid at the time of my purchase.Then, I was never given my 80.00 when comenity DID apply them. Comenity just took them away with no monetary compensation from either Crate and Barrel (CB2) or from Comenity. Comenity was acting fraudulently by rewarding the points, removing the points but never honoring the points. I want a check for 80.00 sent to me, no more no less.
Regards,
[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. I spoke with a very helpful representative a few weeks ago who was able to assist in reaching this resolution.
Regards,
[redacted]
Dear [redacted]Comenity Capital Bank has received your complaint regarding the above-referenced account. Comenity Capital Bank issues the GameStop PowerUp Rewards credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you were...
advised that your account would not be charged off if you paid it by April 2017. Furthermore, you state that on April 3, 2017, you called to pay your account in full and you were advised that since you were paying it in full, your account would not be reported as a charged off account, but that it was paid in full. You further state that you contacted the Bank regarding the way your account is being reported; however, you were unable to get it resolved. You are requesting that the Bank report your account as paid, and not charged off. We understand your concerns, and apologize for any inconvenience or frustration this matter may have caused you.We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations, and found that you were provided with incorrect information. Please be assured that calls of this nature are reviewed by our management team.Our records indicate that on March 26, 2017, your account was permanently closed, written-off, and reported to the national credit-reporting agencies as an unpaid debt. Please be advised that on April 3, 2017, the Bank received a payment of $777.19, which is after the account had already written-off. Please be assured that this information will be updated with the national credit-reporting agencies and your account will be reported as “charged off-paid”. Please allow the credit-reporting agencies 45 days to update their records.Please be advised that we are only willing to remove or change information that our company incorrectly furnished to the credit-reporting agencies. We have found the information we reported is an accurate reflection of the payment history for your account. Therefore, this information will not 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, please feel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
Dear [redacted]We received a complaint regarding the above-referenced account. Comenity Capital Bank previouslyissued American Laser Skincare credit accounts, and we are here to help with account-related questions.The complaint, addressed to the Revdex.com, was forwarded to my...
attention, and I appreciatethe opportunity to respond to your concerns.We understand from your complaint that you never received the paperwork to submit a dispute regardingtreatments you did not receive from American Laser Skincare. You state that as a result, your dispute wasclosed, and the account was turned over to a debt collector. This has negatively impacted your credit, andyou want the dispute resolved.In order for us to process the dispute, and for you to preserve your rights, we require written confirmationregarding the transaction(s) you are disputing. Please complete the form included with this letter.If any information is missing, this form may be returned and no dispute filed. This form must be receivedat the following address within 30 days from the date on this letter, or within 60 days from the date of thestatement on which the disputed charges appear, whichever is later.[redacted] [redacted]
[redacted]
[redacted]If you fail to return the form within the requested timeframe, we will assume that you no longer wish tocontinue the dispute process, and your complaint will be considered voluntarily withdrawn.Additionally, please be advised that we have recalled the account from the collection agency to which itwas sold. This process can take up to 90 days to complete; however, the collection calls should ceasewithin the next week or two. Furthermore, please be aware that Comenity Capital Bank is no longerreporting the account to the credit-reporting agencies.We apologize for any inconvenience this matter may have caused you. Should you have any additionalquestions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). Iwould be happy to assist you.Sincerely,Jenny W[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you were not receiving your billing statements, and you have been receiving collection calls in regards to your account. You state that you have been told that you have been accumulating late fees. You state that you have contacted our customer service department and were told that the late fees would be removed, however; they were never removed, and you closed the account because your credit was completely destroyed. You state that only $90.00 of the fees were removed. Furthermore, you are requesting to have the late fees refunded and to have your credit report fixed. We reviewed your concerns and we want to share our findings with regard to the Victoria’s Secret Angel account. Bank records indicate statements were returned to the Bank as undeliverable up until your billing address was updated on August 4, 2016. On this date we issued credits in the amount of $55.00 for late fees assessed to the account due to this matter. Furthermore, our records indicate the billing statements were delivered to the above noted address since the address updated in August 2106. Additionally, your payment due date is the 27th of every month. The Victoria’s Secret Angel account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing period. 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. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information.The account was closed per your request on April 17, 2017. We respectfully decline your request to remove any additional late fees. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
you have not taken into consideration the statements made to me by Ideal Image when the account was opened. This business runs in a fashion to deceive its customers.
Regards, [redacted]
July 6th 2016Order before Christmas 205 no resolveYou asked all correspondence to be sent to you.Thank you.[redacted]I've been away w/ familyContinue disputeSimply Be is connected to ComenityOver 7 mo no progress
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Wayfair Card. We are here to answer your questions andassist with your concerns.We understand the concerns as explained in your correspondence. You ordered an area rugonline, but...
found a different rug and attempted to cancel the first rug; however, you were unableto cancel online. You contacted Wayfair and were told they were having a system error, but youwould not be penalized for the return. You are requesting to have the derogatory remarks removedfrom your credit report, and the shipping fees and late charges credited.On behalf of the Bank, I would like to extend a sincere apology that this matter was not resolvedwhen you contacted the Bank directly by phone. We apologize if you felt you did not receive thebest customer service. We never intend to treat our customers in a less-than-satisfactory manner.We are committed to providing the best customer service and are disappointed when a customerfeels this standard was not met. Please be assured we have taken steps to coach our associatein providing a more positive experience to our customers.Our records indicate that the statements and Welcome Kit, consisting of the credit card and CreditCard Agreement (CCA), were mailed to the address listed above. Bank records show that theseitems were not returned to us as undeliverable by the post office.Please understand that when there is a balance on an account, and the full minimum paymentrequired on the monthly billing statement(s) is not received by the due date, late fees and financecharges will be assessed to the account, pursuant to the guidelines of the CCA.A review of our records indicates the following transactions were applied to your account: apurchase of $100.19 on December 3, 2016, a purchase of $43.99 on December 4, 2016, and areturned merchandise credit of $82.99 on December 22, 2016.The account billed on December 25, 2016, with a balance of $61.27, and a minimum payment of$25.00, due by January 20, 2017. As no payment was received by the January or February duedates; late fees and finance charges were applied to the account. On February 27, 2017, a $35.00payment was applied to the account.We contacted the corporate office, on your behalf, and they provided the sales receipts for bothorders. According to Wayfair: The order ([redacted]1) was placed on December 3, 2016; onDecember 6, 2016, they emailed you a shipping notification with the tracking information. OnDecember 22, 2016, they received your request to cancel the order.Please keep in mind, when ordering merchandise by mail, your credit card account is charged forthe cost of the merchandise, applicable sales tax and shipping and handling fees. When themerchandise is returned, your account is credited for the merchandise, sales tax and if applicable,Smart Label costs. Wayfair does not refund shipping and handling fees. These charges willremain part of your balance due.Please be advised Comenity Bank and Wayfair are two separate entities. Comenity Bank isresponsible for addressing questions related to Wayfair Card accounts, while Wayfair isresponsible for handling matters related to sales, merchandise processing, returns, shipping, andmerchandise quality.If you have further questions regarding the merchandise and shipping and handling fees, pleasecontact Wayfair directly at ###-###-####.For your review, we have enclosed copies of the monthly billing statements and copies of thesales receipts.Comenity Bank has not found any errors with the account; however, in the interest of customerservice, we have issued credits totaling $41.89 for the remaining late fees, and part of the financecharges, that were previously assessed to the account.Notification was sent to the credit reporting-agencies to remove the negative payment informationregarding the Wayfair Card account. This update should appear on your credit file within the next45 calendar days.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,
I am rejecting this response because: I paid it immediately when I saw what had happened. This was not explained to me. I was just a few days beyond your dead line and had to borrow to pay you. I have no job. I want the slate clean and inform aspen to explain this detail when finalizing, as it was not explained to me. My husband who is disabled was in there and they did not! Tell us this. It was a year n a half later and I did not know this.
Regards,
[redacted]
I am rejecting this response because: The matter has not been resolved, as stated in their PDF it may take them 90 days to resolve. As you can see with the attachments I attached above, I clearly paid the balance in FULL by the expiration date. This should really be a cut and dry case and should take no longer than 48 hours.
Regards,[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding an account. Comenity Bank issues multiple retail credit card accounts. We are here to answer your questions and assist with your concerns. We understand from your complaint that there were charges...
made to an account in 2015 that are not yours. You state that you continue to call and you are informed that the department can only pull up transactions from the last six months and beyond. You state that you are transferred from each department and have been calling for the last six months attempting to resolve this matter; however, no one can help you. You further state that this matter is affecting your credit report and you request a letter confirming the fraud charges. You also request a billing adjustment. I am happy to share my findings. We are unable to locate the account you are referencing regarding this matter. To further research your concerns, we request the following: Comenity Bank Account NumberThe amount and date of the purchases You may also contact our Account Protection team directly regarding this matter at ###-###-####. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Pottery Barn credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention, and I...
appreciate the opportunity to respond to your concerns. We understand your concerns regarding the interest charge that posted to your account for your expired promotional plan. You state when your Pottery Barn account was opened you did not receive a credit card or disclosures and you would like all of the previously assessed finance charges removed and your account closed. We would like to apologize for any inconvenience this issue may have caused you. The Pottery Barn account was opened on December 7, 2014. Bank records indicate that on December 8, 2014, the welcome kit, which includes the credit card, Credit Card Agreement, and disclosures, was mailed to [redacted]. We have no record of the welcome kit being returned as undeliverable, or any notification from you indicating that the welcome kit was not received. Our records indicate that a purchase of $3,051.96 was charged to the account on December 9, 2014. The purchase was placed on a 12-month deferred interest, payment required promotional plan, scheduled to end on December 10, 2015. As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date. The information was provided on all billing statements in the “details of your plans” section, that should the balance not be paid in full, accrued finance charges, dating back to the original date of purchase, would be assessed to the account. On December 10, 2015, as the remaining promotional balance of $1,377.10 was not paid in full, finance charges totaling $623.07 were assessed to the account. Bank records further indicate that on January 16, 2016, an adjustment for $200.00 was issued to your account as a courtesy to credit a portion of the previously assessed finance charges. Please be advised, as the Bank as found no Banking errors, we are unwilling to make any additional adjustments for the previously assessed interest charges. For your records we are enclosing a copy of the Credit Card Agreement and copies of your billing statements. Please be advised your account was closed per your request on January 13, 2015. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
This does not address my original complaint. The bill was created and charged under misleading and false pretenses. I have heard from Westgate Resorts, and also have a Revdex.com complaint in the Central Florida region. Westgate has agreed with us and agreed to cancel the membership and issue a credit for $6,500, as of 7/27/16. The credit is to be sent to Comenity Bank within 7-10 business days from 7/27/16.This complaint should be left open until the credit is received and we receive a statement from ty Bank Westgate MasterCard showing the $6,500 credit and all interest and penalty is reversed.
Thank you. [redacted]
Comenity Capital Bank received the complaint for [redacted]. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 06/30/2017. Please let me know if this extension date is not approved. Thank you,
Dear Mr. [redacted]We received your complaint, submitted to the Revdex.com. Comenity Bank issuesVICTORIA'S SECRET credit cards, and we are here to help answer account-related questions.Your complaint was forwarded to my attention and I appreciate the opportunity to address theconcerns.We...
understand the concerns explained in your complaint. However, as Comenity Bank is notauthorized by the accountholder to release information to you, we have mailed the responsedirectly to Mrs. [redacted].I apologize for any confusion or inconvenience this may have caused you. If you have anyfurther questions or concerns, please have Mrs. [redacted] contact me directly to provideauthorization to speak to you at ###-###-#### ( TDD/TTY ###-###-####). Iwill be happy to assist you with this authorization.Sincerely,Shawnda Y[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria's Secret Angel credit card account. We are here toanswer your questions and assist with your concerns.You state you applied for the credit card to receive a discount,...
however, you did not receive thebill on time, so a late fee was added. You called customer care and advised them of the late fee,the representative told you they would remove the late fee. You then received collection calls andthe representative was rude. You have had more fees added to your account and you feel likethe Bank is making you pay for our mistake. You would the Bank fees waived as you were advisedthe fees were being removed.We received your dispute on January 15, 2018, for late fees. Please be assured our disputeresolution team is currently working to resolve your dispute. Please also be aware, disputeinvestigations may take up to ninety days to complete. Upon completion of our investigation, wewill notify you of our findings by mail. We appreciate your patience while we conduct ourinvestigation.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues the roomplace® credit card accounts, and we respond to account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to respond to your concerns. We understand from your complaint that you made a purchase on June 27, 2016, for $2,033.97, and you are stating that you exchanged the chair for a chaise lounge and when the chaise lounge arrived it didn’t fit; therefore, you returned it and you also cancelled the rug. You state that you have not been credited for the returned and cancelled items that was purchased using the roomplace® credit card and a personal card. You are requesting that your account be credited for the merchandise and the finance charges that have been assessed due to your account not being credited. We apologize for any inconvenience this matter may have caused you. Please note that Comenity Bank and The Roomplace are two separate entities. The Bank issues and is responsible for addressing questions related to the the roomplace® credit card account. The Roomplace is responsible for handling matters related to sales, cancellations, refunds, merchandise processing, returns, shipping, and transactions made with other credit cards. We have contacted The Roomplace on your behalf regarding your returned and cancelled items. Please be advised that a credit of $229.79 was applied to your account on November 18, 2016. We were also advised that a credit of $59.27 was applied to your personal credit card. For additional information regarding your returns or cancellations, please contact The Roomplace directly at 1-630-783-8000. Our records indicate that your purchase of $2,033.97 was placed on a 24 month deferred interest plan, as this purchase is not subject to any finance charges, no credit will be issued to your account for the previously assessed finance charges. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely,