Comenity Bank (Bank) has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the Total Rewards [redacted] We are here to
answer your questions and assist with your concerns.
We understand from your complaint that there
were three unauthorized charges that were made to the account: $2.95 on July
16, 2016, $2.95 on August 16, 2016, and $3.95 on September 16, 2016, totaling
$9.85. Two of the transactions were prior to the closure of the account, and
one occurred after the account was closed. You state you wrote to the Bank
regarding this matter, and followed the instructions in the correspondence.
However, you have not received a response. You request the unauthorized charges
deleted from the account. I am happy to share my findings.
Please be assured, the Bank previously
responded to your complaint on November 7, 2016.
Bank records indicate that there were a total
of five charges from [redacted]: $32.90 on February 18, 2016, $12.90 on March 17,
2016, $2.95 on July 17, 2016, $2.95 on August 17, 2016, $3.95 on September 17,
2016 and $3.95 on December 17, 2016.
The charge for $3.95 on December 17, 2016, was
initially declined; however, [redacted] sent information indicating the transaction
should have been authorize. Therefore, the charge was added to the account.
The account has been credited back a total of
$9.85, and a refund check in that amount has been issued, under separate cover.
You should receive the refund within 14 business days.
We suggest that you contact [redacted] at ###-###-####, which is the number provided on the billing statement, to ensure the
subscription is cancelled.
I hope you
have found this information to be helpful. If you have any questions or
concerns, please feel free to contact me at ###-###-####.
Dear Ms. [redacted] We have received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues EXPRESS credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist...
you with your concerns. We understand from your complaint that in October 2015 you enrolled the EXPRESS account into a debt-management program, and that all monthly payments have been made on time via the program. You state in November 2015 you disputed the reporting of the account with the credit agencies, and they verified the late reporting as accurate. You state this is not accurate. At this time you are requesting an immediate update to the credit agencies regarding the delinquent reporting. I am happy to share my findings. Bank records indicate that due to non-payment, the EXPRESS account was written-off on June 2, 2014, with a balance of $1,152.23, and was reported to the credit agencies as an unpaid debt. On September 5, 2015, the account was enrolled into the debt management program. Please be assured we have reviewed the reporting of the EXPRESS account, and we find that the information reported is correct; as such, we are unwilling to remove any delinquencies. We understand that our customers may experience circumstances beyond their control which may cause their accounts to become past due. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to other potential creditors why the account became past due, and it may contribute to their decision. You may reach the credit bureaus by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kaija M[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], I recognize that this is the closest they will come to acknowledging their wrongdoing, and find the resolution is satisfactory to me.
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions andassist with your concerns.In the correspondence, you indicate you paid for your purchase with your debit...
card. Three months later,you received a statement for $10.00 and late fees. You state you are receiving five calls a day from 7:00a.m. to 9:00 p.m. You paid $10.00 so the Bank would leave you alone. You are requesting a resolution tothe matter.We understand your concern regarding your purchase. Please be advised, the purchase of $9.99 was madeusing the Victoria’s Secret Angel credit card.We have reviewed the concerns noted in your correspondence as well as the applicable telephone records.We have verified that all calls were made between 8:00 a.m. and 9:00 p.m. in your time zone.We want you to have a positive customer experience with the Bank, and we have updated your phonenumber(s) ending in [redacted] and [redacted] with “Do not Call” instructions.Please be assured, we have removed all associated late fees and finance charges due to the addressmissing the apartment number. As a result of the credit balance on the account, we have issued a refundcheck for $0.01. Please allow up to 14 business days to receive the check, which will be mailed separatelyfrom this correspondence.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Nicole FCompliance Dept. – Consumer Responses
Dear Ms. [redacted]:We received your complaint submitted to the Revdex.com, regarding the abovereferencedaccount. As the bank that issues Bealls [redacted] credit card accounts, we respond toall account-related questions. Your correspondence was forwarded to my attention, and Iappreciate the...
opportunity to respond to your concerns.We understand from your complaint that while vacationing in [redacted], you opened a chargeaccount with Bealls [redacted]. You never received your credit card or any statements for yourpurchase. In May, you received a call from Cornenity Bank where we stated you had failed tomake a payment. You explained you did not receive a statement, and we verified your mailingaddress and said a statement would be sent. We are now calling your home every day, andthere are three late payments reporting on your credit report. You asked for the accountnumber so you could make an electronic payment, but we would not provide the accountnumber. You spoke with a [redacted] who advised you your statements were being sentelectronically, which means you were not receiving paper statements, no matter how manytimes your address was verified. You would like to pay your original bill, have your late feeserased, and your credit report cleaned up.Thank you for speaking with me on June 24, 2015. As discussed, we have issued credits in theamount of $105.47 to remove the fees that were assessed to your account. The credits haveposted to your account, along with your payment of $145.46. Your account balance is zero.Please understand that when the Bank's records show an account as delinquent, the Bank willmake attempts to contact you regarding the status of the account. Many times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatus. Due to potential negative ramifications for our customers if an account remalnsdelinquent. Comenity Bank may call you until our attempt to communicate is successful.To maintain the security of your account, the Bank does not provide account numbers bytelephone.The Bank has reviewed the issues in your complaint, as well as the applicable phoneconversations. During the telephone call with [redacted], the associate stated you were receivingelectronic statements. We apologize, but your account was not enrolled in electronicstatements. The statements were issued by mail. This error has been addressed with theassociate's manager.Please be advised, when the account was opened, a credit card was mailed to your previousaddress in Ohio. Since you never received the credit card, nor was it returned to the Bank, wehave reported the card as lost/stolen. A new account, ending in 9945, has been established.and you will receive this credit card within the next 7-10 business days.You are a valued customer and we apologize for any inconvenience or frustration this mattermay have caused you. Should you have any further questions or concerns, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted] Consumer Relations Specialist
In my initial request/response I advised that Comenity Bank had violated the Fair Debt Collection Practices Act (FDCPA) by being harassing in their attempts to contact and after I have spoken with them once I continue to receive additional calls in which there was several days that I had spoken to 3 different people in one day because they continue to call. I was disputing balances owed, what I am requesting because of the banks practice in their collection effort they have violated laws on multiple occasions. I am trying to resolve this issue in the least expensive manor for the bank but if I take this further and to an attorney, Comenity Bank will have to pay per violation, and from my records it is 6. Just by closing the account is not resolving the issue and it is actually making it worse, because you closed it with a balance due which will affect my credit substantially. Again I am requesting to close it with a balance due in good standing or credit the balance or I will go further with my documentation and proof of the numerous calls received and the calls in which I had spoken with several reps who repeatedly called me after I had spoken with some once and did not request a call back. Also I am quite aware that you can pull all call records that was made to my contact #'s and see for yourself that violations your reps have made.
Regards* [redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Columbian Emeralds credit card. We are here to answer yourquestions and assist with your concerns.We understand from your complaint that your account was assessed...
a late fee of $25.00. Youstate that your personal bank indicates that a payment was sent on July 12, 2016, was receivedon July 19, 2016, but was not posted to your Columbian Emeralds account until July 21, 2016.You further state that you contacted the Bank, via email and social media, in August 2016regarding the late fee, and believed it had been resolved.Upon receiving your March 2017 billing statement, indicating an expired promotional financecharge, you contacted the Bank via telephone and requested to speak to a manager. Therepresentative you spoke to transferred you to a collections representative, who then transferredyou to another representative, who did not provide a resolution.You are requesting that the Bank reverse the late fee from July 2016, as well as any financecharges.Bank records indicate a Twitter message was received from you on August 16, 2016; however,with the information provided in the tweet, we were unable to locate an account, and asked youto call for further assistance.Please be advised that payments are processed to your account on the day they are received. Inorder to provide the best customer service, we offer multiple ways to make a payment including:Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m.Eastern Time (ET) will be credited to your account on the same day, unless you select a date inthe future. Online payments submitted after 8:00 p.m. ET will be credited the following day (or ona future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing up to 10 days for the payment to arrive. If you’re 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 same-day payment, you may call us at the phone number on theback of your billing statement before 8:00 p.m. ET to speak to a customer care representative. Afee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterhtt...⇄ records indicate your payment due date is the 20th of every month. The Colombian Emeraldsaccount is a regular revolving account, which means that if there is a balance, a minimum paymentis required each billing period. Please keep in mind that when payments are not received, arereceived after the due date, or are made for less than the minimum required, the account will beassessed a late fee, as explained in the Credit Card Agreement.Furthermore, the February 4, 2016, purchase for $2078.25 was placed on a 12 month deferredinterest, payment required promotional plan with an expiration date of February 4, 2017. Underthe terms of this promotional plan, interest on the purchase is deferred until the plan expires. Thismeans that interest on this purchase was accruing monthly from the original purchase date butwas not being applied to your account. In order to keep the accrued finance charges from beingapplied to your account, the entire promotional purchase amount needed to be paid in full by thepromotional plan’s expiration date. The details of your promotional plan as well as the expirationdate were present on each billing statement.A billing statement was issued to you on January 25. 2017, with a balance of $178.25 and aminimum payment of $25.00 due on February 20, 2017. In the “details of your plans” section, itstates that the promotional balance of $178.25 must be paid in full by February 4, 2017, to avoidpaying accrued interest. Your payment of $153.25 was received on February 18, 2017. As thiswas received after the promotional plan end date, and was not enough to satisfy the remainingpromotional balance, the accrued finance charges of $305.80 were added to the account.As a courtesy, credits totaling $25.21 were issued for the late fee, and related finance charge,that was assessed on March 20, 2017. Your payment of $337.79 was received on April 19, 2017,which brought your account balance to zero, and the account was closed at your request.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]
Dear Mr. [redacted]: We received a complaint from you, addressedto the Revdex.com, regarding the above-mentioned account. Comenity Capital Bank issues Blue Nile creditcards, and we are here to help with all account-related questions. Your...
correspondence was forwarded to myattention, and I appreciate the opportunity to respond to your concerns. We understand your concerns regarding the interestcharge that posted to your account for your expired promotional plan and thatyou would like your account to reflect a current status on your credit reportand your credit limit restored. We wouldlike to apologize for any inconvenience this issue may have caused you. Our records indicate that a purchase of $10,000.00was charged to the account on February 13, 2014. The purchase was placed on a 12-monthdeferred interest, 1% payment required promotion plan, scheduled to end on February14, 2015. As agreed at the time ofpurchase, no interest would be assessed to the account, should the balance bepaid in full as of the scheduled ending date. The information was provided on all billing statements in the “detailsof your plans” section as well as the Blue Nile website under Option 2:NoInterest If Paid In Full. You were advised that should the balance notbe paid in full, accrued finance charges dating back to the original date ofpurchase would be assessed to the account. On February 14, 2015, as the balance was not paid in full, financecharges totaling $2,633.93 were assessed to the account. Bank records indicate that your credit limitwas decreased to zero on August 1, 2015, due to non-payment. As no payments or less than the minimumpayment required were made by the May 27th, June 27th, andJuly 27th due dates, late fee charges were applied to your account. After reviewing our records, we found thatthe information we reported is accurate. As such Comenity Bank is unwilling to remove this information from yourcredit bureau report. Credit limits aresystematically reviewed three to four times throughout the year and based onone’s current pay history and credit standing, the credit limit can be eitherraised or lowered. At this time we areunable to reinstate your credit limit. As stated in the Credit Card Agreement (CCA),if your payment is not received prior to or by the minimum payment due date, orless than the minimum due, late fees and finance charges may be assessed toyour account. Please find enclosed acopy of the CCA for your records. Your current account balance is $3,721.43 anda payment of $149.00 is due by September 27, 2015. Your last payment of $4,000.00 was applied toyour account on August 27, 2015. Additionally, customers who are experiencingfinancial difficulties are urged to contact a non-profit Consumer CreditCounseling Service (CCCS) organization for assistance. Their programs include lowering the interestrate and the minimum payment requirement, and would include all of yourcreditors. Comenity Bank supports andparticipates in the programs provided by CCCS. If you wish to obtain information regardingtheir programs, and for a CCCS organization located near to you, you maycontact the national office toll free at ###-###-####. We hope that you find this informationhelpful. Should you have any otherquestions 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]
1) When I first connected with Customer Service to report my dispute in Dec 2014 (Followed by Jan, Feb, March 2015), I was not informed that it would only be the remaining amount I am eligible a credit for. Each time I was told they were working out the details of my dispute. What is the point in leading a customer to believe contracts and good business practices will be honored if you could have settled my account three months ago, since your policy is so clear to you?3) I am sure you are aware, as a credit company, that almost all disputes happen after transactions are completed, which is why your policy makes such little sense. I spoke with supervisor [redacted] at your ALS customer service number on 4-16-2015 who agreed with me and said I can dispute for any services not received. What does a dispute mean to you if you are not looking into the case at all?4) I have unused packages purchased even in the 60 day period you say is eligible for disputes. Why am I not entitled a refund for those packages at the least?
Regards,
[redacted]
Dear Mr. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that the above-referenced account has been reporting on your credit file since 2004 with the wrong zip code of [redacted]. You are requesting to have the above-referenced account removed from your credit file. Please be assured that the Bank has submitted instructions to the national credit bureaus to delete the LANE BRYANT account, in its entirety, from your credit file. Please allow the credit-reporting agencies 45 days to update their records. Please be assured that the zip code in question belongs to Comenity Bank, and is not intended to represent your zip code. We hope you find this information helpful. If you have any further questions about your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
Dear [redacted]: We received your complaint regarding the above-referenced credit card account. Comenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questions. Your complaint, addressed to the Revdex.com, was...
forwarded to my attention, and I appreciate the opportunity to respond to your concerns. In your complaint, you state that there was an inquiry on your [redacted] credit report on February 1, 2015, and you did not authorize your credit file to be obtained. You are requesting that the inquiry be removed from your credit file. We understand your concerns, and apologize for any inconvenience or frustration this matter may have caused you. We attempted to locate the account in question; however, we are unable to locate the account with the information you have provided. To better assist you, we need additional information to locate the account(s) in question. Please provide the following: ? The information showing on your credit report ? Complete Comenity Bank Account Number ? Any Previous Names of Accountholder ? Any Previous Addresses ? Home Telephone Number ? Social security number This information can be mailed to the address listed above, or faxed to my attention at [redacted]
[redacted]
I hope you find this information to be helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Jenny W[redacted] Consumer Relations Specialist
[redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued the Maurices credit cards. We are here to answer your questions and assist with your concerns. We understand that in May 2014 you opened the above referenced account, and paid it off and closed it in February 2016. When closing the account, you were advised there wasn’t a remaining balance and there was nothing further that needed to be done. When checking your credit report, the account reflects a balance. You contacted the Bank to resolve the issue and were advised the remaining balance was a settlement fee for closing the account, and you were not required to pay it; however, if you did not, it would be sent to the credit agencies. Furthermore, you were told you would not receive confirmation for 30 days that the settlement fee was paid. You are requesting to receive a refund of $50.00 for the settlement fee you paid, but were never advised of, and your credit report corrected. After a review of the account, we find you gave permission for the Bank to provide your mother Katherine with account information. On February 12, 2016, Katherine called in to the Bank and was advised the balance was $126.16. The Bank offered to settle the account with a $75.00 payment that Katherine could pay; however, you would need to contact the Bank personally to accept the offer. The $75.00 payment was made, and the account was notated so when you contacted the Bank the settlement offer and payment would be reflected . We did not receive contact from you to accept the settlement offer; therefore, the remaining balance of $51.16 was never waived off the account. Please be advised this amount is not a settlement fee, but the remaining balance owed on the delinquent account. We attempted to contact you on September 5 and September 6, 2017, to discuss the situation; unfortunately, our attempts were unsuccessful. We need to know how you would like to handle the situation and have outlined your options below. We are happy to honor the settlement offer that was provided in February 2016. This option would report your account as closed write-off, paid in full for less than the full balance, and provide you with a refund of $51.16. Additionally, this will remove the delinquencies from March 2016 to August 2017. Your other option would be to have the account reported as closed write-off, paid in full. If you select this option the payment made on August 18, 2017, will remain on the account and all reported delinquencies would remain on your credit report. Please respond to this correspondence through the Revdex.com and advise which option you would like to select. We apologize for any frustration or inconvenience this may have caused you. 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, Diamond L[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Wayfair Card credit card. We are here to answer your questions and assist with your concerns. We understand that you paid your account in...
full months ago, and the account is reporting a 30 day delinquency on your credit report. You advise that you never received notice of the delinquency. You are requesting to have it completely removed from your credit report. After a review of our records payment was not made in January or February 2017. Notification of the delinquency and non-payment would have been reflected on your January and February 2017 billing statements. Please be advised Bank records indicate your account was registered through our online Account Center on June 25, 2016, which provides account holders the ability to view statements and make payments online. On the same date, you enrolled in paperless statements, meaning you will receive your statements online versus postal mail. When enrolled in paperless statements, we will send you a monthly Statement-Ready Email (SRE) notifying you the statement is available to be viewed. A SRE was sent on January 29, 2017, and February 26, 2017, and we do not have record of emails being returned as undeliverable from the email address you provided. In the interest of customer service and as a courtesy, we sent a request to the credit reporting agencies to delete the delinquency reported in February 2017. Please allow up to 45 days for the credit reporting agencies to update their records. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
I am the primary account holder of the Virgin America / Visa account discussed below. At the request of Comenity Bank, I am writing to affirm earlier details provided by [redacted], an authorized buyer on the account.With respect to the complaint (Reference ID [redacted]), I am writing to validate that the facts described are absolutely correct. To re-summarize:- We were informed that our card had been compromised, resulting in the need to receive a new card and account number.- This shift in account numbers caused a disruption in the auto-payment system; in addition, new emailed statements were being labeled as spam and therefore not visible to us.- Our account was subsequently reported to the credit bureaus as 30 days delinquent. Full payment has since been provided.- We would like the negative reporting removed. I have attached the supporting documentation we provided in connection with this complaint. Please let me know if we can offer additional information.Thank You, [redacted]###-###-####
Delete this account from all three of the credit bureaus. This account has been reported wrong since 2014 for more than 2 years and it has caused me more than enough problems. By correcting Equifax it's not going to solve anything because Experian and Transunion are showing the same as well. By making the changes now it will make it worse for my credit because it will show as a new update.
Regards,
[redacted]
Dear Ms. Coleman:Thank you for contacting the Revdex.com, regarding the above-referencedaccount. Comenity Bank issues OLD PUEBLO TRADERS® credit card accounts, and we arehere to help with account-related questions. Your additional complaint was forwarded to myattention, and I appreciate the opportunity to assist you.We understand from your additional complaint that you are forwarding additional informationregarding your complaint, which include fraud bills. You have concerns regarding late fees andinterest that have been charged to the account. You also have questions regarding the provisionalcredits.As we previously stated, your concerns have been forwarded to our Account Protection (Fraud)Team, and fraud case number [redacted] was opened on October 18, 2016. The case wastransferred from [redacted] to [redacted] who is now the investigator assigned to yourcase. The investigation may take up to 90 days to be completed, and you will be notified by mailof the outcome. The account has been closed to prevent any further charges.I hope you found this information to be helpful. Should you have any additional questions orconcerns about the investigation, please contact our Account Protection Team at ###-###-####(TDD/TTY ###-###-####).Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Camenity Bank issues Jessica London@ credit card accounts, and we arehere to assist you with all account-related questions or concerns. I appreciate the opportunity torespond...
to your concerns.We understand from your complaint, you believe that your payments were processed online, butwere not credited to your account. You received a letter from a manager stating the accountwas closed, and paid In full. You would like to close the account, credit the payments, and youare asking the Bank to honor the letter sent by the manager.After researching the account, in the interest of customer service, Comenity Bank is not holdingyou responsible for the remaining balance of $217.97. We have issued credit to your account toadjust your account balance to $0.00. Please be assured, notification has been sent to thenational credit-reporting agencies to remove the account, in its entirety from your credit bureaureport Please allow the credit bureaus up to 45 days to update their records.I hope that this information is helpful. Should you have any further questions regarding youraccount, please contact me at (800) 675-5685, ext. 7293772 [TDD/TTY (800) 695-1788). I willbe happy to assist you.Sincerely,[redacted] Consumer Relations Specialist
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced credit card 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 your concerns regarding the late fee and...
finance charge that was assessed to your account, and your request to have the charges removed as you were out of the country.I’ve reviewed your account and I’m happy to share my findings.Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.Bank records indicate that a billing statement was sent to you on December 9, 2016, with a balance of $284.76 and a minimum payment of $27.00 due on January 4, 2017. We received your payment of $246.76 on January 14, 2017, and after the due date. As a result, your account was assessed a late fee of $27.00 and a finance charge of $5.52.The bank issued credits previously for late fees on September 13, 2016.As no Bank errors were found, we are unwilling to remove the current late fee and finance charge.As of the date of this letter, the account balance is $38.00.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,Shawnda Y[redacted]
Dear [redacted]:Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the BrylaneHome credit card. We are here to answer your questions andassist with your concerns.Your complaint states that on January 3, 2017, you made a payment and...
requested to close youraccount. You apologized for the tardiness of your payment, as you had been under medicaltreatment. After the final payment was made, you continued to receive bills and telephone calls.On March 9, 2017, you received a telephone call and were advised that you still had a balanceowed. You felt the associate was aggressive with you, so you hung up on her. You do not feelyou owe the money and you hope the Bank refrains from reporting negative information to thecredit bureaus.We have reviewed the concerns in your correspondence. We apologize if you felt you did notreceive the best customer service. We never intend to treat our customers in a less-thansatisfactorymanner. We are committed to providing the best customer service and aredisappointed when a customer feels this standard was not met.When an account is delinquent, we will make proactive attempts to contact the customer,communicate the situation and work out payment arrangements to minimize any negative creditreporting. Many times a payment is overlooked, and reminder calls or payment discussions arehelpful to bring the account back to a current status.Bank records indicate that we sent you a billing statement on December 7, 2016, reflecting abalance of $122.84 and a $20.00 minimum payment due by January 2, 2017. You called the Bankon January 3, 2017, and closed the BrylaneHome account. Also on this day, you submitted apayment of $122.84. As the payment, was after the due date, the account was assessed a latefee and finance charge.As the next two months (February and March 2017) went by with no payments received, theaccount was assessed late fees and finance charges. Additionally, the account was reported asdelinquent to the credit bureaus.Please keep in mind, when a payment is not received, is received after the due date, or receivedfor less than the minimum due, the account will be assessed a late fee, as explained in the CreditCard Agreement.Although the fees are valid, as a courtesy, we issued credits to the account totaling $71.62 toremove the remaining balance. Additionally, we removed the 30-day late payment that wasreported on your account for March 2017. This information will update with the credit bureauswithin 45 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,Compliance Dept. – Consumer Response
February 23, 2017
[redacted]
*
RE: [redacted]
Dear [redacted]...
[redacted]
Comenity Bank (Bank) has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the Total Rewards [redacted] We are here to
answer your questions and assist with your concerns.
We understand from your complaint that there
were three unauthorized charges that were made to the account: $2.95 on July
16, 2016, $2.95 on August 16, 2016, and $3.95 on September 16, 2016, totaling
$9.85. Two of the transactions were prior to the closure of the account, and
one occurred after the account was closed. You state you wrote to the Bank
regarding this matter, and followed the instructions in the correspondence.
However, you have not received a response. You request the unauthorized charges
deleted from the account. I am happy to share my findings.
Please be assured, the Bank previously
responded to your complaint on November 7, 2016.
Bank records indicate that there were a total
of five charges from [redacted]: $32.90 on February 18, 2016, $12.90 on March 17,
2016, $2.95 on July 17, 2016, $2.95 on August 17, 2016, $3.95 on September 17,
2016 and $3.95 on December 17, 2016.
The charge for $3.95 on December 17, 2016, was
initially declined; however, [redacted] sent information indicating the transaction
should have been authorize. Therefore, the charge was added to the account.
The account has been credited back a total of
$9.85, and a refund check in that amount has been issued, under separate cover.
You should receive the refund within 14 business days.
We suggest that you contact [redacted] at ###-###-####, which is the number provided on the billing statement, to ensure the
subscription is cancelled.
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]
*
cc: Revdex.com
Dear Ms. [redacted] We have received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues EXPRESS credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist...
you with your concerns. We understand from your complaint that in October 2015 you enrolled the EXPRESS account into a debt-management program, and that all monthly payments have been made on time via the program. You state in November 2015 you disputed the reporting of the account with the credit agencies, and they verified the late reporting as accurate. You state this is not accurate. At this time you are requesting an immediate update to the credit agencies regarding the delinquent reporting. I am happy to share my findings. Bank records indicate that due to non-payment, the EXPRESS account was written-off on June 2, 2014, with a balance of $1,152.23, and was reported to the credit agencies as an unpaid debt. On September 5, 2015, the account was enrolled into the debt management program. Please be assured we have reviewed the reporting of the EXPRESS account, and we find that the information reported is correct; as such, we are unwilling to remove any delinquencies. We understand that our customers may experience circumstances beyond their control which may cause their accounts to become past due. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to other potential creditors why the account became past due, and it may contribute to their decision. You may reach the credit bureaus by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kaija M[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], I recognize that this is the closest they will come to acknowledging their wrongdoing, and find the resolution is satisfactory to me.
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions andassist with your concerns.In the correspondence, you indicate you paid for your purchase with your debit...
Compliance Dept. – Consumer Responses
card. Three months later,you received a statement for $10.00 and late fees. You state you are receiving five calls a day from 7:00a.m. to 9:00 p.m. You paid $10.00 so the Bank would leave you alone. You are requesting a resolution tothe matter.We understand your concern regarding your purchase. Please be advised, the purchase of $9.99 was madeusing the Victoria’s Secret Angel credit card.We have reviewed the concerns noted in your correspondence as well as the applicable telephone records.We have verified that all calls were made between 8:00 a.m. and 9:00 p.m. in your time zone.We want you to have a positive customer experience with the Bank, and we have updated your phonenumber(s) ending in [redacted] and [redacted] with “Do not Call” instructions.Please be assured, we have removed all associated late fees and finance charges due to the addressmissing the apartment number. As a result of the credit balance on the account, we have issued a refundcheck for $0.01. Please allow up to 14 business days to receive the check, which will be mailed separatelyfrom this correspondence.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Nicole F
Dear Ms. [redacted]:We received your complaint submitted to the Revdex.com, regarding the abovereferencedaccount. As the bank that issues Bealls [redacted] credit card accounts, we respond toall account-related questions. Your correspondence was forwarded to my attention, and Iappreciate the...
opportunity to respond to your concerns.We understand from your complaint that while vacationing in [redacted], you opened a chargeaccount with Bealls [redacted]. You never received your credit card or any statements for yourpurchase. In May, you received a call from Cornenity Bank where we stated you had failed tomake a payment. You explained you did not receive a statement, and we verified your mailingaddress and said a statement would be sent. We are now calling your home every day, andthere are three late payments reporting on your credit report. You asked for the accountnumber so you could make an electronic payment, but we would not provide the accountnumber. You spoke with a [redacted] who advised you your statements were being sentelectronically, which means you were not receiving paper statements, no matter how manytimes your address was verified. You would like to pay your original bill, have your late feeserased, and your credit report cleaned up.Thank you for speaking with me on June 24, 2015. As discussed, we have issued credits in theamount of $105.47 to remove the fees that were assessed to your account. The credits haveposted to your account, along with your payment of $145.46. Your account balance is zero.Please understand that when the Bank's records show an account as delinquent, the Bank willmake attempts to contact you regarding the status of the account. Many times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatus. Due to potential negative ramifications for our customers if an account remalnsdelinquent. Comenity Bank may call you until our attempt to communicate is successful.To maintain the security of your account, the Bank does not provide account numbers bytelephone.The Bank has reviewed the issues in your complaint, as well as the applicable phoneconversations. During the telephone call with [redacted], the associate stated you were receivingelectronic statements. We apologize, but your account was not enrolled in electronicstatements. The statements were issued by mail. This error has been addressed with theassociate's manager.Please be advised, when the account was opened, a credit card was mailed to your previousaddress in Ohio. Since you never received the credit card, nor was it returned to the Bank, wehave reported the card as lost/stolen. A new account, ending in 9945, has been established.and you will receive this credit card within the next 7-10 business days.You are a valued customer and we apologize for any inconvenience or frustration this mattermay have caused you. Should you have any further questions or concerns, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted] Consumer Relations Specialist
In my initial request/response I advised that Comenity Bank had violated the Fair Debt Collection Practices Act (FDCPA) by being harassing in their attempts to contact and after I have spoken with them once I continue to receive additional calls in which there was several days that I had spoken to 3 different people in one day because they continue to call. I was disputing balances owed, what I am requesting because of the banks practice in their collection effort they have violated laws on multiple occasions. I am trying to resolve this issue in the least expensive manor for the bank but if I take this further and to an attorney, Comenity Bank will have to pay per violation, and from my records it is 6. Just by closing the account is not resolving the issue and it is actually making it worse, because you closed it with a balance due which will affect my credit substantially. Again I am requesting to close it with a balance due in good standing or credit the balance or I will go further with my documentation and proof of the numerous calls received and the calls in which I had spoken with several reps who repeatedly called me after I had spoken with some once and did not request a call back. Also I am quite aware that you can pull all call records that was made to my contact #'s and see for yourself that violations your reps have made.
Regards* [redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Columbian Emeralds credit card. We are here to answer yourquestions and assist with your concerns.We understand from your complaint that your account was assessed...
a late fee of $25.00. Youstate that your personal bank indicates that a payment was sent on July 12, 2016, was receivedon July 19, 2016, but was not posted to your Columbian Emeralds account until July 21, 2016.You further state that you contacted the Bank, via email and social media, in August 2016regarding the late fee, and believed it had been resolved.Upon receiving your March 2017 billing statement, indicating an expired promotional financecharge, you contacted the Bank via telephone and requested to speak to a manager. Therepresentative you spoke to transferred you to a collections representative, who then transferredyou to another representative, who did not provide a resolution.You are requesting that the Bank reverse the late fee from July 2016, as well as any financecharges.Bank records indicate a Twitter message was received from you on August 16, 2016; however,with the information provided in the tweet, we were unable to locate an account, and asked youto call for further assistance.Please be advised that payments are processed to your account on the day they are received. Inorder to provide the best customer service, we offer multiple ways to make a payment including:Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m.Eastern Time (ET) will be credited to your account on the same day, unless you select a date inthe future. Online payments submitted after 8:00 p.m. ET will be credited the following day (or ona future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing up to 10 days for the payment to arrive. If you’re 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 same-day payment, you may call us at the phone number on theback of your billing statement before 8:00 p.m. ET to speak to a customer care representative. Afee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterhtt...⇄ records indicate your payment due date is the 20th of every month. The Colombian Emeraldsaccount is a regular revolving account, which means that if there is a balance, a minimum paymentis required each billing period. Please keep in mind that when payments are not received, arereceived after the due date, or are made for less than the minimum required, the account will beassessed a late fee, as explained in the Credit Card Agreement.Furthermore, the February 4, 2016, purchase for $2078.25 was placed on a 12 month deferredinterest, payment required promotional plan with an expiration date of February 4, 2017. Underthe terms of this promotional plan, interest on the purchase is deferred until the plan expires. Thismeans that interest on this purchase was accruing monthly from the original purchase date butwas not being applied to your account. In order to keep the accrued finance charges from beingapplied to your account, the entire promotional purchase amount needed to be paid in full by thepromotional plan’s expiration date. The details of your promotional plan as well as the expirationdate were present on each billing statement.A billing statement was issued to you on January 25. 2017, with a balance of $178.25 and aminimum payment of $25.00 due on February 20, 2017. In the “details of your plans” section, itstates that the promotional balance of $178.25 must be paid in full by February 4, 2017, to avoidpaying accrued interest. Your payment of $153.25 was received on February 18, 2017. As thiswas received after the promotional plan end date, and was not enough to satisfy the remainingpromotional balance, the accrued finance charges of $305.80 were added to the account.As a courtesy, credits totaling $25.21 were issued for the late fee, and related finance charge,that was assessed on March 20, 2017. Your payment of $337.79 was received on April 19, 2017,which brought your account balance to zero, and the account was closed at your request.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]
Dear Mr. [redacted]: We received a complaint from you, addressedto the Revdex.com, regarding the above-mentioned account. Comenity Capital Bank issues Blue Nile creditcards, and we are here to help with all account-related questions. Your...
correspondence was forwarded to myattention, and I appreciate the opportunity to respond to your concerns. We understand your concerns regarding the interestcharge that posted to your account for your expired promotional plan and thatyou would like your account to reflect a current status on your credit reportand your credit limit restored. We wouldlike to apologize for any inconvenience this issue may have caused you. Our records indicate that a purchase of $10,000.00was charged to the account on February 13, 2014. The purchase was placed on a 12-monthdeferred interest, 1% payment required promotion plan, scheduled to end on February14, 2015. As agreed at the time ofpurchase, no interest would be assessed to the account, should the balance bepaid in full as of the scheduled ending date. The information was provided on all billing statements in the “detailsof your plans” section as well as the Blue Nile website under Option 2:NoInterest If Paid In Full. You were advised that should the balance notbe paid in full, accrued finance charges dating back to the original date ofpurchase would be assessed to the account. On February 14, 2015, as the balance was not paid in full, financecharges totaling $2,633.93 were assessed to the account. Bank records indicate that your credit limitwas decreased to zero on August 1, 2015, due to non-payment. As no payments or less than the minimumpayment required were made by the May 27th, June 27th, andJuly 27th due dates, late fee charges were applied to your account. After reviewing our records, we found thatthe information we reported is accurate. As such Comenity Bank is unwilling to remove this information from yourcredit bureau report. Credit limits aresystematically reviewed three to four times throughout the year and based onone’s current pay history and credit standing, the credit limit can be eitherraised or lowered. At this time we areunable to reinstate your credit limit. As stated in the Credit Card Agreement (CCA),if your payment is not received prior to or by the minimum payment due date, orless than the minimum due, late fees and finance charges may be assessed toyour account. Please find enclosed acopy of the CCA for your records. Your current account balance is $3,721.43 anda payment of $149.00 is due by September 27, 2015. Your last payment of $4,000.00 was applied toyour account on August 27, 2015. Additionally, customers who are experiencingfinancial difficulties are urged to contact a non-profit Consumer CreditCounseling Service (CCCS) organization for assistance. Their programs include lowering the interestrate and the minimum payment requirement, and would include all of yourcreditors. Comenity Bank supports andparticipates in the programs provided by CCCS. If you wish to obtain information regardingtheir programs, and for a CCCS organization located near to you, you maycontact the national office toll free at ###-###-####. We hope that you find this informationhelpful. Should you have any otherquestions 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]
1) When I first connected with Customer Service to report my dispute in Dec 2014 (Followed by Jan, Feb, March 2015), I was not informed that it would only be the remaining amount I am eligible a credit for. Each time I was told they were working out the details of my dispute. What is the point in leading a customer to believe contracts and good business practices will be honored if you could have settled my account three months ago, since your policy is so clear to you?3) I am sure you are aware, as a credit company, that almost all disputes happen after transactions are completed, which is why your policy makes such little sense. I spoke with supervisor [redacted] at your ALS customer service number on 4-16-2015 who agreed with me and said I can dispute for any services not received. What does a dispute mean to you if you are not looking into the case at all?4) I have unused packages purchased even in the 60 day period you say is eligible for disputes. Why am I not entitled a refund for those packages at the least?
Regards,
[redacted]
Dear Mr. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that the above-referenced account has been reporting on your credit file since 2004 with the wrong zip code of [redacted]. You are requesting to have the above-referenced account removed from your credit file. Please be assured that the Bank has submitted instructions to the national credit bureaus to delete the LANE BRYANT account, in its entirety, from your credit file. Please allow the credit-reporting agencies 45 days to update their records. Please be assured that the zip code in question belongs to Comenity Bank, and is not intended to represent your zip code. We hope you find this information helpful. If you have any further questions about your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
Dear [redacted]: We received your complaint regarding the above-referenced credit card account. Comenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questions. Your complaint, addressed to the Revdex.com, was...
forwarded to my attention, and I appreciate the opportunity to respond to your concerns. In your complaint, you state that there was an inquiry on your [redacted] credit report on February 1, 2015, and you did not authorize your credit file to be obtained. You are requesting that the inquiry be removed from your credit file. We understand your concerns, and apologize for any inconvenience or frustration this matter may have caused you. We attempted to locate the account in question; however, we are unable to locate the account with the information you have provided. To better assist you, we need additional information to locate the account(s) in question. Please provide the following: ? The information showing on your credit report ? Complete Comenity Bank Account Number ? Any Previous Names of Accountholder ? Any Previous Addresses ? Home Telephone Number ? Social security number This information can be mailed to the address listed above, or faxed to my attention at [redacted]
[redacted]
I hope you find this information to be helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Jenny W[redacted] Consumer Relations Specialist
Dear [redacted]...
[redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued the Maurices credit cards. We are here to answer your questions and assist with your concerns. We understand that in May 2014 you opened the above referenced account, and paid it off and closed it in February 2016. When closing the account, you were advised there wasn’t a remaining balance and there was nothing further that needed to be done. When checking your credit report, the account reflects a balance. You contacted the Bank to resolve the issue and were advised the remaining balance was a settlement fee for closing the account, and you were not required to pay it; however, if you did not, it would be sent to the credit agencies. Furthermore, you were told you would not receive confirmation for 30 days that the settlement fee was paid. You are requesting to receive a refund of $50.00 for the settlement fee you paid, but were never advised of, and your credit report corrected. After a review of the account, we find you gave permission for the Bank to provide your mother Katherine with account information. On February 12, 2016, Katherine called in to the Bank and was advised the balance was $126.16. The Bank offered to settle the account with a $75.00 payment that Katherine could pay; however, you would need to contact the Bank personally to accept the offer. The $75.00 payment was made, and the account was notated so when you contacted the Bank the settlement offer and payment would be reflected . We did not receive contact from you to accept the settlement offer; therefore, the remaining balance of $51.16 was never waived off the account. Please be advised this amount is not a settlement fee, but the remaining balance owed on the delinquent account. We attempted to contact you on September 5 and September 6, 2017, to discuss the situation; unfortunately, our attempts were unsuccessful. We need to know how you would like to handle the situation and have outlined your options below. We are happy to honor the settlement offer that was provided in February 2016. This option would report your account as closed write-off, paid in full for less than the full balance, and provide you with a refund of $51.16. Additionally, this will remove the delinquencies from March 2016 to August 2017. Your other option would be to have the account reported as closed write-off, paid in full. If you select this option the payment made on August 18, 2017, will remain on the account and all reported delinquencies would remain on your credit report. Please respond to this correspondence through the Revdex.com and advise which option you would like to select. We apologize for any frustration or inconvenience this may have caused you. 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, Diamond L[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Wayfair Card credit card. We are here to answer your questions and assist with your concerns. We understand that you paid your account in...
full months ago, and the account is reporting a 30 day delinquency on your credit report. You advise that you never received notice of the delinquency. You are requesting to have it completely removed from your credit report. After a review of our records payment was not made in January or February 2017. Notification of the delinquency and non-payment would have been reflected on your January and February 2017 billing statements. Please be advised Bank records indicate your account was registered through our online Account Center on June 25, 2016, which provides account holders the ability to view statements and make payments online. On the same date, you enrolled in paperless statements, meaning you will receive your statements online versus postal mail. When enrolled in paperless statements, we will send you a monthly Statement-Ready Email (SRE) notifying you the statement is available to be viewed. A SRE was sent on January 29, 2017, and February 26, 2017, and we do not have record of emails being returned as undeliverable from the email address you provided. In the interest of customer service and as a courtesy, we sent a request to the credit reporting agencies to delete the delinquency reported in February 2017. Please allow up to 45 days for the credit reporting agencies to update their records. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
I am the primary account holder of the Virgin America / Visa account discussed below. At the request of Comenity Bank, I am writing to affirm earlier details provided by [redacted], an authorized buyer on the account.With respect to the complaint (Reference ID [redacted]), I am writing to validate that the facts described are absolutely correct. To re-summarize:- We were informed that our card had been compromised, resulting in the need to receive a new card and account number.- This shift in account numbers caused a disruption in the auto-payment system; in addition, new emailed statements were being labeled as spam and therefore not visible to us.- Our account was subsequently reported to the credit bureaus as 30 days delinquent. Full payment has since been provided.- We would like the negative reporting removed. I have attached the supporting documentation we provided in connection with this complaint. Please let me know if we can offer additional information.Thank You, [redacted]###-###-####
Delete this account from all three of the credit bureaus. This account has been reported wrong since 2014 for more than 2 years and it has caused me more than enough problems. By correcting Equifax it's not going to solve anything because Experian and Transunion are showing the same as well. By making the changes now it will make it worse for my credit because it will show as a new update.
Regards,
[redacted]
Dear Ms. Coleman:Thank you for contacting the Revdex.com, regarding the above-referencedaccount. Comenity Bank issues OLD PUEBLO TRADERS® credit card accounts, and we arehere to help with account-related questions. Your additional complaint was forwarded to myattention, and I appreciate the opportunity to assist you.We understand from your additional complaint that you are forwarding additional informationregarding your complaint, which include fraud bills. You have concerns regarding late fees andinterest that have been charged to the account. You also have questions regarding the provisionalcredits.As we previously stated, your concerns have been forwarded to our Account Protection (Fraud)Team, and fraud case number [redacted] was opened on October 18, 2016. The case wastransferred from [redacted] to [redacted] who is now the investigator assigned to yourcase. The investigation may take up to 90 days to be completed, and you will be notified by mailof the outcome. The account has been closed to prevent any further charges.I hope you found this information to be helpful. Should you have any additional questions orconcerns about the investigation, please contact our Account Protection Team at ###-###-####(TDD/TTY ###-###-####).Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Camenity Bank issues Jessica London@ credit card accounts, and we arehere to assist you with all account-related questions or concerns. I appreciate the opportunity torespond...
to your concerns.We understand from your complaint, you believe that your payments were processed online, butwere not credited to your account. You received a letter from a manager stating the accountwas closed, and paid In full. You would like to close the account, credit the payments, and youare asking the Bank to honor the letter sent by the manager.After researching the account, in the interest of customer service, Comenity Bank is not holdingyou responsible for the remaining balance of $217.97. We have issued credit to your account toadjust your account balance to $0.00. Please be assured, notification has been sent to thenational credit-reporting agencies to remove the account, in its entirety from your credit bureaureport Please allow the credit bureaus up to 45 days to update their records.I hope that this information is helpful. Should you have any further questions regarding youraccount, please contact me at (800) 675-5685, ext. 7293772 [TDD/TTY (800) 695-1788). I willbe happy to assist you.Sincerely,[redacted] Consumer Relations Specialist
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced credit card 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 your concerns regarding the late fee and...
finance charge that was assessed to your account, and your request to have the charges removed as you were out of the country.I’ve reviewed your account and I’m happy to share my findings.Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.Bank records indicate that a billing statement was sent to you on December 9, 2016, with a balance of $284.76 and a minimum payment of $27.00 due on January 4, 2017. We received your payment of $246.76 on January 14, 2017, and after the due date. As a result, your account was assessed a late fee of $27.00 and a finance charge of $5.52.The bank issued credits previously for late fees on September 13, 2016.As no Bank errors were found, we are unwilling to remove the current late fee and finance charge.As of the date of this letter, the account balance is $38.00.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,Shawnda Y[redacted]
Dear [redacted]:Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the BrylaneHome credit card. We are here to answer your questions andassist with your concerns.Your complaint states that on January 3, 2017, you made a payment and...
requested to close youraccount. You apologized for the tardiness of your payment, as you had been under medicaltreatment. After the final payment was made, you continued to receive bills and telephone calls.On March 9, 2017, you received a telephone call and were advised that you still had a balanceowed. You felt the associate was aggressive with you, so you hung up on her. You do not feelyou owe the money and you hope the Bank refrains from reporting negative information to thecredit bureaus.We have reviewed the concerns in your correspondence. We apologize if you felt you did notreceive the best customer service. We never intend to treat our customers in a less-thansatisfactorymanner. We are committed to providing the best customer service and aredisappointed when a customer feels this standard was not met.When an account is delinquent, we will make proactive attempts to contact the customer,communicate the situation and work out payment arrangements to minimize any negative creditreporting. Many times a payment is overlooked, and reminder calls or payment discussions arehelpful to bring the account back to a current status.Bank records indicate that we sent you a billing statement on December 7, 2016, reflecting abalance of $122.84 and a $20.00 minimum payment due by January 2, 2017. You called the Bankon January 3, 2017, and closed the BrylaneHome account. Also on this day, you submitted apayment of $122.84. As the payment, was after the due date, the account was assessed a latefee and finance charge.As the next two months (February and March 2017) went by with no payments received, theaccount was assessed late fees and finance charges. Additionally, the account was reported asdelinquent to the credit bureaus.Please keep in mind, when a payment is not received, is received after the due date, or receivedfor less than the minimum due, the account will be assessed a late fee, as explained in the CreditCard Agreement.Although the fees are valid, as a courtesy, we issued credits to the account totaling $71.62 toremove the remaining balance. Additionally, we removed the 30-day late payment that wasreported on your account for March 2017. This information will update with the credit bureauswithin 45 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,Compliance Dept. – Consumer Response
I wish to inform you that this complaint has been resolved. Please close the case.thanks, [redacted]