Comenity Bank has received your correspondence regarding the above-referenced accountComenityBank issues the Victoria’s Secret Angel credit card accountsWe are here to answer your questions andassist with your concerns.Your complaint states that you have been a long time customer with Victoria’s Secret and you were recentlytold that your account was being placed on hold due to inactivityYou state that your account has not beeninactiveYou further state that you had no choice but to have your credit reviewed; however, you weredeclined as a result of your credit ratingI understand you are requesting to have your credit reinstated anapology from the Bank, or at the very least your account balance wiped to zero, and an account closed ingood standing.I apologize for any confusion or frustration this may have caused youI have reviewed the concerns notedin your correspondence and would like to provide you with the following information.Please be advised that when there have been significant changes to a customer’s credit bureau report oran account has been inactive for over a year, a status is added on to the account and a the customer’scredit bureau must be reviewed in order to reinstate the accountBased on the information on your creditbureau report, the Bank was unable to reinstate your account.Furthermore, we respectfully decline your request to bring your account balance to zero.I hope you found this information to be helpfulIf you have any further questions or concerns, please feelfree to contact me at ###-###-####.Sincerely,Jenny W***Compliance Dept– Consumer Responses
Dear [redacted] ***We received your additional complaint, submitted to the Revdex.com, regarding the above-referenced accountAs the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist you with account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand your concerns in the complaint regarding the closure of your VICTORIA’S SECRET account and that you want the account reopenedYou have expressed your dissatisfaction of the closure of your account and that you verified your personal information, by telephone, including that multiple purchases would be madeYou advise the Bank to fix this issue and that you are unwilling to reapply for another account.As previously indicated, during the process of researching potential fraud, customers may receive a letter informing them that the account has been temporarily closedThe Bank has to be contacted by the customer to verify information, or at times, they are required to send total id documentation to usThis documentation consist of a valid government-issued identification (i.e., Driver’s License, Passport, and State ID), a copy of a signed social security card, and a copy of a current utility bill (i.e., gas, electricity, or water) or a bank statement with your current addressAll customers have days from the date on the letter to send this information.The hold in June required that you send the Bank’s Account Protection (Fraud) team total id verificationUnfortunately, this information was not something that could be provided by telephone and the Bank did not receive the document(s) from youAs a result, the account was permanently closed on July 28, 2016.Comenity Bank’s position remains unchanged and we are unwilling to reinstate the VICTORIA’S SECRET accountWe consider this matter resolved.We apologize for the inconvenience this matter has causedShould you have any further questions about the account, please contact a member of our Account Protection Team at ###-###-#### (TDD/TTY ###-###-####)They will be happy to assist you.Sincerely,Shawnda Y***
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Victoria's Secret Angel credit card accountWe 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 addedYou called customer care and advised them of the late fee,the representative told you they would remove the late feeYou then received collection calls andthe representative was rudeYou have had more fees added to your account and you feel likethe Bank is making you pay for our mistakeYou would the Bank fees waived as you were advisedthe fees were being removed.We received your dispute on January 15, 2018, for late feesPlease be assured our disputeresolution team is currently working to resolve your disputePlease also be aware, disputeinvestigations may take up to ninety days to completeUpon completion of our investigation, wewill notify you of our findings by mailWe appreciate your patience while we conduct ourinvestigation.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson FCompliance Dept– Consumer Responsescc: Revdex.com
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountAs the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist you with account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that the VICTORIA’S SECRET account was reported as charged off to the credit bureaus, and you paid the account in full in or priorYou indicated that the associate you spoke with was rude and hung up on youAfter calling back, you were advised it was an error on the Bank’s behalf and that you needed to dispute this through the credit bureausYou indicated that no, we need to correct the account to report it was paid in full and not charged off.After a thorough review of your account, our records indicate that due to non-payment, the account was closed and charged off on July 16, The last payment of $was received on December 11, 2015, which settled the account balance.Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityAt this time, Comenity Bank finds no errors in its reporting of your VICTORIA’S SECRET credit card account to the credit bureausDelinquent accounts typically will report for seven years from the date the account first became delinquent.However, during our investigation, we confirmed that you were previously sent letters with incorrect informationWe apologize for the confusion and inconvenience this matter has caused youAlthough we found no reporting errors, in the interest of customer service, we have sent notification to the credit-reporting agencies with instructions to delete the VICTORIA’S SECRET account, in its entirety, from your credit reportPlease allow the credit-reporting agencies days to update their records.In addition, please be assured that we reviewed the available and applicable telephone callsWe are sorry that you were not satisfied with the service that you received and we appreciate you providing the feedback regarding this matterOur management team reviews calls and inquiries of this nature and their recommendations are followedIt is never the Bank’s intention to cause a customer a hardship.We hope this information is helpfulShould you have any questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
We have received the inquiry you sent to the Revdex.com(Revdex.com) regarding the above-noted account Your correspondence was forwarded to Comenity Bank (Bank) Comenity Bank issues the Boston Store credit card, and we are here to help answer your questions I appreciate the opportunity to assist you with your concerns We previously received and responded to your correspondence submitted to Comenity Bank regarding this same matter Please find enclosed a copy of our response sent to you on January 15, 2016; in addition to, your billing statements from June through January 2016, and the Credit Card Agreement Comenity Bank understands that customers may experience difficulty making their payments due to unforeseen circumstances You may be eligible for enrollment in our Customer Hardship Program This program provides customers with six to twelve months of special terms in order to bring and keep the account current If you are interested in obtaining information on whether you qualify for this program, please contact a Payment Solutions representative at (866) 489- We are happy to inform you that there are other programs in place to assist you during this time We suggest you contact a non-profit Consumer Credit Counseling Service (CCCS) organization for further assistance Their programs include lowering the interest rate and the minimum payment requirement, preventing future late fees from being assessed and would include all of your creditors If you wish to obtain information regarding their programs, and for a CCCS organization located near you, please contact the National Foundation for Credit Counseling toll free at 1-800- [redacted] I hope you have found this information to be helpful If you have any questions or concerns, please feel free to contact me at (800) 675-5685, ext [redacted] (TDD/TTY(800) 695-1788) I will be happy to assist you Sincerely, Jack C [redacted] Consumer Relations Specialist cc: Revdex.com
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the application referenced above Comenity Bank issues burkes OUTLET® credit card accounts, and we are here to assist you with all application-related questions or concerns I appreciate the opportunity to respond to your concerns We understand from your complaint that you contacted our Customer Care team in order to finish processing your burkes OUTLET® credit card application The Customer Care representative advised that the questions would be based off of your current credit bureau report from Equifax You state she asked multiple questions to verify your identity including your zodiac sign You refused to provide your zodiac sign since that question had nothing to do with your credit report We advised that this information would be required to process your application, and you told the representative you would not answer any questions not related to your credit You later received a letter stating that you were no longer interested in opening a burkes OUTLET® credit card account, which is not true You are requesting to be approved for a burkes OUTLET® credit card based on your credit bureau report We apologize that we were not able to approve your application for a burkes OUTLET® credit card During our recent phone conversation, we asked some questions in an attempt to verify your identity You chose not to answer a question, and stated you no longer wanted the account; therefore, the application process was terminated at that time We apologize for any frustration or inconvenience you may have experienced Please understand that the additional questions were asked for security reasons Should you wish to reapply for the burkes OUTLET® credit card account, please visit us online, at [redacted] We hope you find this information to be helpfulShould you have any further questions, please contact me directly at ###-###-#### ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Amanda R**
Dear [redacted] : We have received the complaint you sent to the Better Business Bureau (Revdex.com) regarding the above-noted accountYour correspondence was forwarded to Comenity Bank (Bank) Comenity Bank issues the Victoria’s Secret Angel credit card, and we are here to help answer your questionsI appreciate the opportunity to assist you with your concerns You state in your complaint to the Revdex.com this bill had been paid several times but late charges and high interest keep being added In addition, you are receiving telephone calls requesting payments; however, the principal balance was paid off At this time, you’re requesting that we remove all the fees, closed the account, and stop the collection calls We understand your concerns and would like to take this moment to explain our findings On October a billing statement was mailed to your address above indicating a balance of $with a minimum payment of $due by November 11, During your billing period of October through March 2016, Bank records indicate we had received two payments, one for $on December 31, and the other for $on January 27, For the months of November 2015, December 2015, and February your records show no payments being receivedShould you have payments made during these months above that have not been credited to your Victoria’s Secret Angel credit card account, please send us a front and back copy of the cancelled check(s), or if you made payment in your local store, a copy of the receipt(s) would assist us in getting your account adjusted Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement (CCA) Enclosed you will find a copy of the CCA and copies of your billing statements showing the account activity that resulted in the account balance At this time, Comenity Bank has not found any bank errors and finds the balance valid; however, in the interest of customer service, we have credited your account for the last late fee of $ This adjustment will bring your account to balance of $ This amount would be due by April 11, 2016, or you have the option to pay the minimum due payment of $ We apologize for the inconvenience this may have caused You should no longer be receiving phone calls regarding this matter as we have flagged the telephone number ending in [redacted] with “Do Not Call” instructionsHowever, we suggest making payment arrangements for the remaining balance since we are unable to contact you via phone per your request Additionally, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance Their programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your client’s creditors Comenity Bank supports and participates in the programs provided by CCCS agencies Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-#### Comenity Bank understands that customers may experience difficulty making their payments due to unforeseen circumstances Your client may be eligible for enrollment in our Customer Hardship Program This program provides customers with six to twelve months of special terms in order to bring and keep the account current If you are interested in obtaining information on whether your client qualifies for this program, or to discuss settlement negotiations, please contact a Payment Solutions representative at ###-###-#### Please be assured that your account was closed per your request on March 24, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####, ext (TDD/TTY: ###-###-####) I will be happy to assist you.Sincerely, Jack C [redacted] ***
I am sending the documentation to support my case I opened against the Comenity BankPlease note I purchased my furniture on 01/17/16, but it shipped at different timesI was charged out for the large pieces months before I received themThe smaller item was not charged out until it was shipped meaning the month interest free did not start until February
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Gander Mountain Mastercard credit cardWe are here to answer your questions and assist with your concerns.In the correspondence, you state you were billed for products that weren’t received, and the company did not allow you to cancel within daysYou completed multiple forms in an attempt to resolve your concern, yet the charges were not creditedYou would like a reimbursement of $371.92, plus applicable finance charges.We understand your concern regarding the merchandise that was not receivedAfter careful review of our records, we would like to assure you that we have credited your account for $for the two orders billed May 5, 2017, that were not receivedPer your correspondence of July 7, 2017, the other items were received on May 8, 2017; therefore, the finance charges are valid.After the credit, the balance on your account is $120.03.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Nicole FCompliance Dept– Consumer Responses
Dear Mrs [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-noted accountsComenity Bank issues VICTORIA’S SECRET and Express credit card accounts, and we are here to answer your account-related questionsThe complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns.We understand from your complaint that the credit bureaus are reporting incorrect information to your credit profileYou indicated that the Bank removed the delinquencies from both accounts but then re-reported a late payment for July to your Victoria’s Secret and a late payment for February for the Express accountYou would like the credit reporting corrected and the accounts to report that they are “in good standing”.Please be assured that we reviewed your accounts at the Bank and at the credit bureausI have confirmed that there are no late payments reporting for the VICTORIA’S SECRET account or the Express account, as the delinquencies were previously removedYou may use this letter as confirmation to contact the credit bureau agencies to dispute any information you believe they are reporting incorrectly.You are a valued customer and we sincerely apologize for the inconvenience you may have been causedIf you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear [redacted] : We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist youYour complaint states that you paid the account in full under the agreement of a settlement, and the account or negative entries were to be removed from your credit fileYou are requesting a confirmation letter of removal or deletion, and if not, you plan on taking legal actionAfter reviewing your account information with the Bank and at the credit bureaus, here is what we have noted• The last purchase of $was charged to your account on June 7, • The last billing statement, issued on December 25, 2012, reflected a balance of $• The last payment on your account was in the amount of $• The account wrote-off due to non-payment on January 25, 2013, with a write-off balance of $• The Bank then sold the account to Portfolio Recovery on May 21, When an account is sold to another entity, the outstanding balance on the credit bureau reporting from the former creditor becomes zeroSince your account was sold, your credit report reflects a zero balance owed to Comenity Bank as of the date of the account transferYour account will continue to show that it was “charged-off” even after the balance is adjusted to $since this reflects that the account balance was not paid to the BankAlso, the date an account is sold does not affect the length of time for which the debt is reported to the credit reporting agenciesDelinquent account typically will report for seven years from the date the account first became delinquent (not from the date of sale or date of last activity)Please be advised that Comenity Bank has no record of you settling the account balance prior to the account being transferred to Portfolio RecoveryIf you believe that you settled the account balance with Comenity Bank prior to the transfer, we would need documentation from you, which can be mailed to my attention to the address listed above, or faxed to my attention at ###-###-####If your settlement of the account was with Portfolio Recovery, we encourage you to contact them directly at ###-###-####, to discuss the information that is being reported to your credit fileWe hope this information is helpfulIf you have further questions or concerns regarding the account, please contact Portfolio Recovery at the number providedSincerely, Shawnda Y*** [redacted]
Dear [redacted] We received your complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help with youraccount-related questionsYour complaint, addressed to the Revdex.com, wasforwarded to my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to thiscomplaint on March 13, We have enclosed a copy of our previous response for yourrecordsPlease be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, [redacted] ***Consumer Relations SpecialistMarch 13, 2015Dear [redacted] Thank you for contacting Comenity Capital BankAs the bank that issues your American Laser Skincarecredit card, we are here to help with your questions.You recently disputed a transaction on your American Laser Skincare accountBecause your disputeletter arrived more than days after the first billing statement on which the disputed charge appeared,the amount subject to dispute is limited to your balance at the time we received your dispute letterSinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge(s) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entitiesThe bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance chargesThese credits appeared on your billing statement as aprovisional credit and a finance charge credit You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenienceIf you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####)Any ofour team members will be happy to help you.Sincerely,Customer Care teamAL326SEND BANKRUPTCY NOTICES/RELATED CORRESPONDENCE TOPO Box 183043, Columbus, OH 43218-3043The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection ActThe Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, Walnut Street, Box #11, Kansas City, Missouri 64106.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection ActThe State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts02108.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories on each individual upon requestTheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital statusThe Washington State Human Rights Commission administers compliance with thislaw
Dear Ms [redacted] :We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues your BrylaneHomeB credit card account, and we arehere to assist you with all account-related questionsI appreciate the opportunity to respond toyour concerns.We understand from your complaint that you believe you are being harassed over a bill that wesay you oweYou are concerned about fees being added to your balanceYou sate you paidfor the merchandise through Western Union on November 24,2014.Please note that BrylaneHome and Cornenity Bank are two separate entitiesThe Bank issuesand is responsible for addressing questions related to the BrylaneHomeB credit card account.BrylaneHome is responsible for handling matters related to sales, merchandise processing.returns and shipping.When merchandise is ordered from BrylaneHomethe account is charged for the cost of themerchandise, sales tax (if applicable), and shipping and handlingBrylaneHome does notrefund shipping and handling chargesIn additionif the provided return label is used to returnthe package, the return label fee is also charged to the account.We have reviewed the account and we are happy to share our findings.Please keep in mind when payments are not received, are received after 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.We apologize if you felt that you did not receive the best customer serviceIt is never theBank's intention to treat our customers in a less-than-satisfactory mannerComenity Bank iscommitted to providing the best customer service and is disappointed when a customer feelsthat this standard was not met.When the Bank's records show an account as delinquent, the Bank will make attempts tocontact you regarding the status of the accountMany times a payment is overlooked by thecustomer, and a reminder call is helpful to bring the account back to a current statusDue topotential negative ramifications for our customers if an account remains delinquent, ComenityBank may call you until our attempt to communicate is successful.Please be assured that we have updated our records and you should not receive any furthertelephone calls at the telephone numbers ending in [redacted] from Comenity Bank, regarding yourBrylaneHome account.Although we find the balance to be valid, in the interest of customer serviceComenity Bank isnot holding you responsible for the remaining balance of $Due to this account beingreported as a write offComenity Bank sent a request to the national credit-reporting agenciesto delete the account from your credit report in its entiretyPlease allow up to days for thisinformation to be updated in their records.We hope you find this information helpfulIf you have any questions, or need additionalassistance, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely,Amanda R [redacted]
I did report this card stolen the day I lost itI sent them more fraud paperwork as requestedThey have not contacted me saying the account would be reopened and the fraud would be taken off my account and put in good standing on my credit reports Regards, [redacted]
Dear [redacted] ***Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the My Place Rewards credit cardWe are here to answer your questionsand assist with your concerns.The Bank has received your correspondence from the Revdex.com (Revdex.com)You state that inOctober the My Place Rewards account was opened, and you never received a billing statement forNovember or DecemberIn March you received a call from the Bank advising that the account was pastdue and the balance was $The representative offered to waive fees in the amount of $if youwere to pay the remainder of the balance and this offer was refused.You are requesting to have the fees credited to your account so that you may pay the original amount of$30.24, as you never received the billing statements.After a review of your account your billing statements have been sent to the address referenced above.This address has been confirmed from your correspondence sent through the Revdex.comThe Bank has notreceived any notification from the United States Postal Service indicating that any of the correspondencesent from the Bank has been returned as undeliverable.Please be advised that we have received your payment in the amount of $30.24, which was posted to theaccount on April 6, As this payment has been posted to your account; however, it does not cover theminimum amount due of $The remaining amount of $is due by April 19, 2017, or your accountwill be subject to further fees and collection activityAs of the date of this letter the balance is $130.36.As the Bank finds no errors, we respectfully decline your request to have the fees adjusted on the account.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Diamond L***
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Catherines credit cardWe are here to answer your questions and assist with your concernsYour correspondence indicates that your relatives have been receiving collection calls from the Bank, and giving out your personal informationThis letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balanceWe want you to have a positive customer experience with the Bank, and we have updated your phone number(s) ending in ***, ***, and *** with “Do not Call” instructionsRegarding the call(s) placed to your brother’s business work number, when the Bank has been unable to reach our customer, we will utilize various resources to obtain contact information where the customer may be reachedWhen an account is delinquent, we will make proactive attempts to contact the customer, to communicate the situation and work out repayment arrangements to minimize any negative credit reporting impactsMany times a payment is overlooked, and reminder calls or repayment discussions are helpful to bring the account back to a current statusI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Renee S*** Compliance Dept– Consumer Responses cc: Revdex.com
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Woman Within credit card accounts, and we are hereto assist you with all account-related questions or concernsI appreciate the opportunity torespond to your concerns.We understand from your complaint, you purchased and paid for clothes, but we received yourpayment late; therefore, you were charged a late feeI also understand you are concernedabout being charged a late fee on a late feeYou also state you received calls after 9:p.m.and when you answer you do not hear a responseI apologize for any frustration orinconvenience this situation may have caused you.Bank records indicate a billing statement was sent to you on December 12, 2013, reflecting abalance of $45.86, and a payment of $due by January 7, As payment of $25.00was received on January 9, 2014, your account was assessed a late fee and finance charge,pursuant to the guidelines of the Credit Card Agreement.Bank records also indicate, a billing statement was sent to you on January 12, 2014, reflecting abalance of $41.86, and a payment of $due by February 7, As payment of $41.84was received on February 24, 2014, your account was assessed a late fee and finance charge.As no further payments were made for the next five billing periods; April through August 2014,the account was assessed additional late fees and finance charges, bringing the balance to$175.99.Bank records further indicate, a billing statement was sent to you on August 12, 2014, reflectinga balance of $175.99, and a payment of $due by September 7, As payment of$was received on September 3, 2014, for less than your minimum due, your account wasassessed a late fee and finance chargeAs no further payments were made for the next fourbilling periods; October through January 2015, the account was assessed additional latefees and finance charges, bringing the balance to $289.94.After researching the account, in the interest of customer service, Comenity Bank is not holdingyou responsible for the remaining balance of $We have issued credit to your account toadjust your account balance to $Please be assured, notification has been sent to thenational credit-reporting agencies to remove the negative payment information that wasreported on your credit bureau reportPlease allow the credit bureaus up to days to updatetheir records.We have researched the applicable telephone calls, and the Bank sees no errors in the callsthat were made to the telephone numbers ending in 3618, 4409, and Also, since youraccount balance is zero, and the account was closed at your request on July 29, 2014, you willno longer receive telephone calls regarding this account.I hope that this information is helpfulShould you have any further questions regarding youraccount, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
It did not addressed how I was harassed from sun up to sun down It did not address that I was the one who contact them first in writing and by telephone before my accounts were in arrears and told them of my predicament I tried to work out a lower payment arrangement @ $monthly until my benefits were started and it was rejected This letter sound as it they are willing to help now but when I tried on my own they were not as helpfulOnce again, I can only pay $monthly until my benefits start and I want to cancel the following accounts, Avenue, woman within, full beauty, and brylane homeI will still pay them out Regards, [redacted]
Dear Revdex.com I have received these Letters of resolved of my complaint ID # [redacted] with GOODY'S and Comenity BankThanks Revdex.com for your correspondence and correspondence in helping me resolving this complaintThanks Thanks ThanksSincerely, [redacted]
Comenity Bank has received your correspondence regarding the above-referenced accountComenityBank issues the Victoria’s Secret Angel credit card accountsWe are here to answer your questions andassist with your concerns.Your complaint states that you have been a long time customer with Victoria’s Secret and you were recentlytold that your account was being placed on hold due to inactivityYou state that your account has not beeninactiveYou further state that you had no choice but to have your credit reviewed; however, you weredeclined as a result of your credit ratingI understand you are requesting to have your credit reinstated anapology from the Bank, or at the very least your account balance wiped to zero, and an account closed ingood standing.I apologize for any confusion or frustration this may have caused youI have reviewed the concerns notedin your correspondence and would like to provide you with the following information.Please be advised that when there have been significant changes to a customer’s credit bureau report oran account has been inactive for over a year, a status is added on to the account and a the customer’scredit bureau must be reviewed in order to reinstate the accountBased on the information on your creditbureau report, the Bank was unable to reinstate your account.Furthermore, we respectfully decline your request to bring your account balance to zero.I hope you found this information to be helpfulIf you have any further questions or concerns, please feelfree to contact me at ###-###-####.Sincerely,Jenny W***Compliance Dept– Consumer Responses
Dear [redacted] ***We received your additional complaint, submitted to the Revdex.com, regarding the above-referenced accountAs the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist you with account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand your concerns in the complaint regarding the closure of your VICTORIA’S SECRET account and that you want the account reopenedYou have expressed your dissatisfaction of the closure of your account and that you verified your personal information, by telephone, including that multiple purchases would be madeYou advise the Bank to fix this issue and that you are unwilling to reapply for another account.As previously indicated, during the process of researching potential fraud, customers may receive a letter informing them that the account has been temporarily closedThe Bank has to be contacted by the customer to verify information, or at times, they are required to send total id documentation to usThis documentation consist of a valid government-issued identification (i.e., Driver’s License, Passport, and State ID), a copy of a signed social security card, and a copy of a current utility bill (i.e., gas, electricity, or water) or a bank statement with your current addressAll customers have days from the date on the letter to send this information.The hold in June required that you send the Bank’s Account Protection (Fraud) team total id verificationUnfortunately, this information was not something that could be provided by telephone and the Bank did not receive the document(s) from youAs a result, the account was permanently closed on July 28, 2016.Comenity Bank’s position remains unchanged and we are unwilling to reinstate the VICTORIA’S SECRET accountWe consider this matter resolved.We apologize for the inconvenience this matter has causedShould you have any further questions about the account, please contact a member of our Account Protection Team at ###-###-#### (TDD/TTY ###-###-####)They will be happy to assist you.Sincerely,Shawnda Y***
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Victoria's Secret Angel credit card accountWe 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 addedYou called customer care and advised them of the late fee,the representative told you they would remove the late feeYou then received collection calls andthe representative was rudeYou have had more fees added to your account and you feel likethe Bank is making you pay for our mistakeYou would the Bank fees waived as you were advisedthe fees were being removed.We received your dispute on January 15, 2018, for late feesPlease be assured our disputeresolution team is currently working to resolve your disputePlease also be aware, disputeinvestigations may take up to ninety days to completeUpon completion of our investigation, wewill notify you of our findings by mailWe appreciate your patience while we conduct ourinvestigation.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F
Compliance Dept– Consumer Responsescc: Revdex.com
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountAs the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist you with account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that the VICTORIA’S SECRET account was reported as charged off to the credit bureaus, and you paid the account in full in or priorYou indicated that the associate you spoke with was rude and hung up on youAfter calling back, you were advised it was an error on the Bank’s behalf and that you needed to dispute this through the credit bureausYou indicated that no, we need to correct the account to report it was paid in full and not charged off.After a thorough review of your account, our records indicate that due to non-payment, the account was closed and charged off on July 16, The last payment of $was received on December 11, 2015, which settled the account balance.Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityAt this time, Comenity Bank finds no errors in its reporting of your VICTORIA’S SECRET credit card account to the credit bureausDelinquent accounts typically will report for seven years from the date the account first became delinquent.However, during our investigation, we confirmed that you were previously sent letters with incorrect informationWe apologize for the confusion and inconvenience this matter has caused youAlthough we found no reporting errors, in the interest of customer service, we have sent notification to the credit-reporting agencies with instructions to delete the VICTORIA’S SECRET account, in its entirety, from your credit reportPlease allow the credit-reporting agencies days to update their records.In addition, please be assured that we reviewed the available and applicable telephone callsWe are sorry that you were not satisfied with the service that you received and we appreciate you providing the feedback regarding this matterOur management team reviews calls and inquiries of this nature and their recommendations are followedIt is never the Bank’s intention to cause a customer a hardship.We hope this information is helpfulShould you have any questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
We have received the inquiry you sent to the Revdex.com(Revdex.com) regarding the above-noted account Your correspondence was forwarded to Comenity Bank (Bank) Comenity Bank issues the Boston Store credit card, and we are here to help answer your questions I appreciate the opportunity to assist you with your concerns We previously received and responded to your correspondence submitted to Comenity Bank regarding this same matter Please find enclosed a copy of our response sent to you on January 15, 2016; in addition to, your billing statements from June through January 2016, and the Credit Card Agreement Comenity Bank understands that customers may experience difficulty making their payments due to unforeseen circumstances You may be eligible for enrollment in our Customer Hardship Program This program provides customers with six to twelve months of special terms in order to bring and keep the account current If you are interested in obtaining information on whether you qualify for this program, please contact a Payment Solutions representative at (866) 489- We are happy to inform you that there are other programs in place to assist you during this time We suggest you contact a non-profit Consumer Credit Counseling Service (CCCS) organization for further assistance Their programs include lowering the interest rate and the minimum payment requirement, preventing future late fees from being assessed and would include all of your creditors If you wish to obtain information regarding their programs, and for a CCCS organization located near you, please contact the National Foundation for Credit Counseling toll free at 1-800- [redacted] I hope you have found this information to be helpful If you have any questions or concerns, please feel free to contact me at (800) 675-5685, ext [redacted] (TDD/TTY(800) 695-1788) I will be happy to assist you Sincerely, Jack C [redacted] Consumer Relations Specialist cc: Revdex.com
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the application referenced above Comenity Bank issues burkes OUTLET® credit card accounts, and we are here to assist you with all application-related questions or concerns I appreciate the opportunity to respond to your concerns We understand from your complaint that you contacted our Customer Care team in order to finish processing your burkes OUTLET® credit card application The Customer Care representative advised that the questions would be based off of your current credit bureau report from Equifax You state she asked multiple questions to verify your identity including your zodiac sign You refused to provide your zodiac sign since that question had nothing to do with your credit report We advised that this information would be required to process your application, and you told the representative you would not answer any questions not related to your credit You later received a letter stating that you were no longer interested in opening a burkes OUTLET® credit card account, which is not true You are requesting to be approved for a burkes OUTLET® credit card based on your credit bureau report We apologize that we were not able to approve your application for a burkes OUTLET® credit card During our recent phone conversation, we asked some questions in an attempt to verify your identity You chose not to answer a question, and stated you no longer wanted the account; therefore, the application process was terminated at that time We apologize for any frustration or inconvenience you may have experienced Please understand that the additional questions were asked for security reasons Should you wish to reapply for the burkes OUTLET® credit card account, please visit us online, at [redacted] We hope you find this information to be helpfulShould you have any further questions, please contact me directly at ###-###-#### ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Amanda R**
Dear [redacted] : We have received the complaint you sent to the Better Business Bureau (Revdex.com) regarding the above-noted accountYour correspondence was forwarded to Comenity Bank (Bank) Comenity Bank issues the Victoria’s Secret Angel credit card, and we are here to help answer your questionsI appreciate the opportunity to assist you with your concerns You state in your complaint to the Revdex.com this bill had been paid several times but late charges and high interest keep being added In addition, you are receiving telephone calls requesting payments; however, the principal balance was paid off At this time, you’re requesting that we remove all the fees, closed the account, and stop the collection calls We understand your concerns and would like to take this moment to explain our findings On October a billing statement was mailed to your address above indicating a balance of $with a minimum payment of $due by November 11, During your billing period of October through March 2016, Bank records indicate we had received two payments, one for $on December 31, and the other for $on January 27, For the months of November 2015, December 2015, and February your records show no payments being receivedShould you have payments made during these months above that have not been credited to your Victoria’s Secret Angel credit card account, please send us a front and back copy of the cancelled check(s), or if you made payment in your local store, a copy of the receipt(s) would assist us in getting your account adjusted Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement (CCA) Enclosed you will find a copy of the CCA and copies of your billing statements showing the account activity that resulted in the account balance At this time, Comenity Bank has not found any bank errors and finds the balance valid; however, in the interest of customer service, we have credited your account for the last late fee of $ This adjustment will bring your account to balance of $ This amount would be due by April 11, 2016, or you have the option to pay the minimum due payment of $ We apologize for the inconvenience this may have caused You should no longer be receiving phone calls regarding this matter as we have flagged the telephone number ending in [redacted] with “Do Not Call” instructionsHowever, we suggest making payment arrangements for the remaining balance since we are unable to contact you via phone per your request Additionally, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance Their programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your client’s creditors Comenity Bank supports and participates in the programs provided by CCCS agencies Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-#### Comenity Bank understands that customers may experience difficulty making their payments due to unforeseen circumstances Your client may be eligible for enrollment in our Customer Hardship Program This program provides customers with six to twelve months of special terms in order to bring and keep the account current If you are interested in obtaining information on whether your client qualifies for this program, or to discuss settlement negotiations, please contact a Payment Solutions representative at ###-###-#### Please be assured that your account was closed per your request on March 24, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####, ext (TDD/TTY: ###-###-####) I will be happy to assist you.Sincerely, Jack C [redacted] ***
I am sending the documentation to support my case I opened against the Comenity BankPlease note I purchased my furniture on 01/17/16, but it shipped at different timesI was charged out for the large pieces months before I received themThe smaller item was not charged out until it was shipped meaning the month interest free did not start until February
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Gander Mountain Mastercard credit cardWe are here to answer your questions and assist with your concerns.In the correspondence, you state you were billed for products that weren’t received, and the company did not allow you to cancel within daysYou completed multiple forms in an attempt to resolve your concern, yet the charges were not creditedYou would like a reimbursement of $371.92, plus applicable finance charges.We understand your concern regarding the merchandise that was not receivedAfter careful review of our records, we would like to assure you that we have credited your account for $for the two orders billed May 5, 2017, that were not receivedPer your correspondence of July 7, 2017, the other items were received on May 8, 2017; therefore, the finance charges are valid.After the credit, the balance on your account is $120.03.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Nicole F
Compliance Dept– Consumer Responses
Dear Mrs [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-noted accountsComenity Bank issues VICTORIA’S SECRET and Express credit card accounts, and we are here to answer your account-related questionsThe complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns.We understand from your complaint that the credit bureaus are reporting incorrect information to your credit profileYou indicated that the Bank removed the delinquencies from both accounts but then re-reported a late payment for July to your Victoria’s Secret and a late payment for February for the Express accountYou would like the credit reporting corrected and the accounts to report that they are “in good standing”.Please be assured that we reviewed your accounts at the Bank and at the credit bureausI have confirmed that there are no late payments reporting for the VICTORIA’S SECRET account or the Express account, as the delinquencies were previously removedYou may use this letter as confirmation to contact the credit bureau agencies to dispute any information you believe they are reporting incorrectly.You are a valued customer and we sincerely apologize for the inconvenience you may have been causedIf you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear [redacted] : We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist youYour complaint states that you paid the account in full under the agreement of a settlement, and the account or negative entries were to be removed from your credit fileYou are requesting a confirmation letter of removal or deletion, and if not, you plan on taking legal actionAfter reviewing your account information with the Bank and at the credit bureaus, here is what we have noted• The last purchase of $was charged to your account on June 7, • The last billing statement, issued on December 25, 2012, reflected a balance of $• The last payment on your account was in the amount of $• The account wrote-off due to non-payment on January 25, 2013, with a write-off balance of $• The Bank then sold the account to Portfolio Recovery on May 21, When an account is sold to another entity, the outstanding balance on the credit bureau reporting from the former creditor becomes zeroSince your account was sold, your credit report reflects a zero balance owed to Comenity Bank as of the date of the account transferYour account will continue to show that it was “charged-off” even after the balance is adjusted to $since this reflects that the account balance was not paid to the BankAlso, the date an account is sold does not affect the length of time for which the debt is reported to the credit reporting agenciesDelinquent account typically will report for seven years from the date the account first became delinquent (not from the date of sale or date of last activity)Please be advised that Comenity Bank has no record of you settling the account balance prior to the account being transferred to Portfolio RecoveryIf you believe that you settled the account balance with Comenity Bank prior to the transfer, we would need documentation from you, which can be mailed to my attention to the address listed above, or faxed to my attention at ###-###-####If your settlement of the account was with Portfolio Recovery, we encourage you to contact them directly at ###-###-####, to discuss the information that is being reported to your credit fileWe hope this information is helpfulIf you have further questions or concerns regarding the account, please contact Portfolio Recovery at the number providedSincerely, Shawnda Y*** [redacted]
I have filled all forms attached in the previous responding emails from Comenity Bank and mailed them back to the address provided.Here are the copies
Dear [redacted] We received your complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help with youraccount-related questionsYour complaint, addressed to the Revdex.com, wasforwarded to my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to thiscomplaint on March 13, We have enclosed a copy of our previous response for yourrecordsPlease be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, [redacted] ***Consumer Relations SpecialistMarch 13, 2015Dear [redacted] Thank you for contacting Comenity Capital BankAs the bank that issues your American Laser Skincarecredit card, we are here to help with your questions.You recently disputed a transaction on your American Laser Skincare accountBecause your disputeletter arrived more than days after the first billing statement on which the disputed charge appeared,the amount subject to dispute is limited to your balance at the time we received your dispute letterSinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge(s) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entitiesThe bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance chargesThese credits appeared on your billing statement as aprovisional credit and a finance charge credit You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenienceIf you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####)Any ofour team members will be happy to help you.Sincerely,Customer Care teamAL326SEND BANKRUPTCY NOTICES/RELATED CORRESPONDENCE TOPO Box 183043, Columbus, OH 43218-3043The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection ActThe Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, Walnut Street, Box #11, Kansas City, Missouri 64106.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection ActThe State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts02108.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories on each individual upon requestTheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital statusThe Washington State Human Rights Commission administers compliance with thislaw
Dear Ms [redacted] :We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues your BrylaneHomeB credit card account, and we arehere to assist you with all account-related questionsI appreciate the opportunity to respond toyour concerns.We understand from your complaint that you believe you are being harassed over a bill that wesay you oweYou are concerned about fees being added to your balanceYou sate you paidfor the merchandise through Western Union on November 24,2014.Please note that BrylaneHome and Cornenity Bank are two separate entitiesThe Bank issuesand is responsible for addressing questions related to the BrylaneHomeB credit card account.BrylaneHome is responsible for handling matters related to sales, merchandise processing.returns and shipping.When merchandise is ordered from BrylaneHomethe account is charged for the cost of themerchandise, sales tax (if applicable), and shipping and handlingBrylaneHome does notrefund shipping and handling chargesIn additionif the provided return label is used to returnthe package, the return label fee is also charged to the account.We have reviewed the account and we are happy to share our findings.Please keep in mind when payments are not received, are received after 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.We apologize if you felt that you did not receive the best customer serviceIt is never theBank's intention to treat our customers in a less-than-satisfactory mannerComenity Bank iscommitted to providing the best customer service and is disappointed when a customer feelsthat this standard was not met.When the Bank's records show an account as delinquent, the Bank will make attempts tocontact you regarding the status of the accountMany times a payment is overlooked by thecustomer, and a reminder call is helpful to bring the account back to a current statusDue topotential negative ramifications for our customers if an account remains delinquent, ComenityBank may call you until our attempt to communicate is successful.Please be assured that we have updated our records and you should not receive any furthertelephone calls at the telephone numbers ending in [redacted] from Comenity Bank, regarding yourBrylaneHome account.Although we find the balance to be valid, in the interest of customer serviceComenity Bank isnot holding you responsible for the remaining balance of $Due to this account beingreported as a write offComenity Bank sent a request to the national credit-reporting agenciesto delete the account from your credit report in its entiretyPlease allow up to days for thisinformation to be updated in their records.We hope you find this information helpfulIf you have any questions, or need additionalassistance, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely,Amanda R [redacted]
I did report this card stolen the day I lost itI sent them more fraud paperwork as requestedThey have not contacted me saying the account would be reopened and the fraud would be taken off my account and put in good standing on my credit reports Regards, [redacted]
Dear [redacted] ***Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the My Place Rewards credit cardWe are here to answer your questionsand assist with your concerns.The Bank has received your correspondence from the Revdex.com (Revdex.com)You state that inOctober the My Place Rewards account was opened, and you never received a billing statement forNovember or DecemberIn March you received a call from the Bank advising that the account was pastdue and the balance was $The representative offered to waive fees in the amount of $if youwere to pay the remainder of the balance and this offer was refused.You are requesting to have the fees credited to your account so that you may pay the original amount of$30.24, as you never received the billing statements.After a review of your account your billing statements have been sent to the address referenced above.This address has been confirmed from your correspondence sent through the Revdex.comThe Bank has notreceived any notification from the United States Postal Service indicating that any of the correspondencesent from the Bank has been returned as undeliverable.Please be advised that we have received your payment in the amount of $30.24, which was posted to theaccount on April 6, As this payment has been posted to your account; however, it does not cover theminimum amount due of $The remaining amount of $is due by April 19, 2017, or your accountwill be subject to further fees and collection activityAs of the date of this letter the balance is $130.36.As the Bank finds no errors, we respectfully decline your request to have the fees adjusted on the account.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Diamond L***
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Catherines credit cardWe are here to answer your questions and assist with your concernsYour correspondence indicates that your relatives have been receiving collection calls from the Bank, and giving out your personal informationThis letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balanceWe want you to have a positive customer experience with the Bank, and we have updated your phone number(s) ending in ***, ***, and *** with “Do not Call” instructionsRegarding the call(s) placed to your brother’s business work number, when the Bank has been unable to reach our customer, we will utilize various resources to obtain contact information where the customer may be reachedWhen an account is delinquent, we will make proactive attempts to contact the customer, to communicate the situation and work out repayment arrangements to minimize any negative credit reporting impactsMany times a payment is overlooked, and reminder calls or repayment discussions are helpful to bring the account back to a current statusI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Renee S*** Compliance Dept– Consumer Responses cc: Revdex.com
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Woman Within credit card accounts, and we are hereto assist you with all account-related questions or concernsI appreciate the opportunity torespond to your concerns.We understand from your complaint, you purchased and paid for clothes, but we received yourpayment late; therefore, you were charged a late feeI also understand you are concernedabout being charged a late fee on a late feeYou also state you received calls after 9:p.m.and when you answer you do not hear a responseI apologize for any frustration orinconvenience this situation may have caused you.Bank records indicate a billing statement was sent to you on December 12, 2013, reflecting abalance of $45.86, and a payment of $due by January 7, As payment of $25.00was received on January 9, 2014, your account was assessed a late fee and finance charge,pursuant to the guidelines of the Credit Card Agreement.Bank records also indicate, a billing statement was sent to you on January 12, 2014, reflecting abalance of $41.86, and a payment of $due by February 7, As payment of $41.84was received on February 24, 2014, your account was assessed a late fee and finance charge.As no further payments were made for the next five billing periods; April through August 2014,the account was assessed additional late fees and finance charges, bringing the balance to$175.99.Bank records further indicate, a billing statement was sent to you on August 12, 2014, reflectinga balance of $175.99, and a payment of $due by September 7, As payment of$was received on September 3, 2014, for less than your minimum due, your account wasassessed a late fee and finance chargeAs no further payments were made for the next fourbilling periods; October through January 2015, the account was assessed additional latefees and finance charges, bringing the balance to $289.94.After researching the account, in the interest of customer service, Comenity Bank is not holdingyou responsible for the remaining balance of $We have issued credit to your account toadjust your account balance to $Please be assured, notification has been sent to thenational credit-reporting agencies to remove the negative payment information that wasreported on your credit bureau reportPlease allow the credit bureaus up to days to updatetheir records.We have researched the applicable telephone calls, and the Bank sees no errors in the callsthat were made to the telephone numbers ending in 3618, 4409, and Also, since youraccount balance is zero, and the account was closed at your request on July 29, 2014, you willno longer receive telephone calls regarding this account.I hope that this information is helpfulShould you have any further questions regarding youraccount, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
It did not addressed how I was harassed from sun up to sun down It did not address that I was the one who contact them first in writing and by telephone before my accounts were in arrears and told them of my predicament I tried to work out a lower payment arrangement @ $monthly until my benefits were started and it was rejected This letter sound as it they are willing to help now but when I tried on my own they were not as helpfulOnce again, I can only pay $monthly until my benefits start and I want to cancel the following accounts, Avenue, woman within, full beauty, and brylane homeI will still pay them out Regards, [redacted]
Dear Revdex.com I have received these Letters of resolved of my complaint ID # [redacted] with GOODY'S and Comenity BankThanks Revdex.com for your correspondence and correspondence in helping me resolving this complaintThanks Thanks ThanksSincerely, [redacted]