.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. We understand from your complaint that you were offered a joint membership as a secondary member on a fitness account. You were advised that you would only be responsible for your portion of the membership; however, your credit card was charged for all the fees. Furthermore, you are requesting that a refund be issued to you for the portion that was not your responsibility. Please be advised that Comenity Bank does not finance fitness center accounts. Please contact the fitness center directly regarding a refund. We 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
Thank you for contacting the Revdex.com, regarding the above-referencedaccounts. Comenity Bank issues the above-referenced credit card accounts, and we are here to helpwith account-related questions. Your complaint was forwarded to my attention, and I appreciate theopportunity to assist...
you.We understand from your complaint that your accounts were on a payment plan. You state you spokewith an associate who told you it would be ok to pay on a certain day. You were not happy with thecustomer service you experienced during collection calls and state you received threatening letters.You state that the Hardship program was cancelled and now you are being charged more than youowe. You would like for your accounts to be placed back on a payment program.We previously received and responded to your correspondence submitted to the Consumer FinancialProtection Bureau regarding this same matter. Please find enclosed a copy of our response sent toyou on November 4, 2016.In our previous response we advised that during a call in January 2016, you spoke with an associatewho explained that since you had missed a payment in December, you were a payment behind, andadvised what you needed to pay and by when, in order to catch up. You made one payment for eachaccount, but then failed to make another payment for each account by your March 6, 2016, due date,which resulted in the third missed payment for each account and caused the accounts to be unenrolledin Hardship Program.I hope you found this information to be helpful. Should you have any additional questions or concernsabout the account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
Denise F[redacted]
Comenity Bank (Bank) has received your additional correspondence regarding the abovereferencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are hereto answer your questions and assist with your concerns.We understand you are requesting confirmation of which month the delinquency will be removedfrom due to the changes submitted to the credit agencies.On April 28, 2017, we agreed to remove the 30 day delinquency reported in January 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear Ms. [redacted]We recently received a complaint, addressed to the Revdex.com, regarding the above-notedcredit card accounts. As the bank that issues the above-noted credit card accounts, and previouslyissued Newport News credit card accounts, we respond to all account-related inquiries....
Your complaintwas forwarded to my attention, and I appreciate the opportunity to assist you.Thank you for taking the time to speak with me on February 14, 2016, regarding the closure of the above-notedaccounts and the information reporting on your credit file.Afler a thorough investigation, our records indicate that we received an inquiry from Regis Law Group onDecember 19, 2014, advising their legal representation, along with a request to direct all communicationsregarding any debt owed to Comenity Bank to their firm. As a result, the Bank updated your accounts toensure that all future correspondence from the Bank will be directed to their law firm, and that you wereno longer contacted on the telephone numbers ending in [redacted], [redacted], [redacted] and [redacted]. Moreover, arestrictive status was added to the accounts, resulting in the suspension of purchasing privileges.On January 19, 2016, the Bank received an additional inquiry from [redacted] advising theremoval of their representation on any accounts held by the Bank. Regrettably, the restrictive status wasnot removed from all accounts.We have reviewed the applicable telephone calls, and regrettably, we can confirm that you wereinstructed to close your Venus accounts and reapply. Calls and letters of this nature are reviewed by ourmanagement team, and their recommendations regarding an appropriate resolution are followed.Please be assured your Venus accounts ending in [redacted] and [redacted] have been reopened. The availableline of credit on each account is $250.00. If you would like to permanently close one of the accounts,please contact me at the number listed below.Bank records further indicate that you applied for a new Venus credit card account on January 25, 2016,and February 8, 2016. In the interest of customer service, we have sent notification to the national credit-reportingagencies with instructions to remove the credit inquiries for these dates from your credit file.Please allow the credit-reporting agencies 45 days to update their records.However, please be aware that due to their compliance policies, the credit-reporting agencies do notdelete inquiries from a consumer's credit bureau report. When the Bank requests that an inquiry beremoved, the credit-reporting agencies will change it to a soft inquiry. This means that the inquiry onlyappears when the consumer pulls his or her own credit report. A soft inquiry does not appear on aconsumer's credit report that is provided to a lender or any other authorized party, and it does not impactthe consumer's credit score. Therefore, you will continue to see the inquiry on your credit report, but it willnot be visible to anyone else who may pull your credit report.We have also reviewed your chadwicks, Newport News, Mandee, Victoria's Secret/PINK, andBrylaneHome accounts, and we are pleased to share our findings below.Our records indicate that your chadwicks account was reinstated on February 19, 2016. The accountbalance is zero and the available line of credit is $480.00.Our records indicate that your Mandee account was reinstated on February 19, 2016. The accountbalance is $56.25 and the available line of credit is $1,019.00.Our records indicate that your Newport News account was previously closed by Comenity Bank onFebruary 5, 2014, due to the termination of the credit program; as such, we are unwilling to reinstate theaccount.Our records indicate that your Victoria's Secret/PINK account was reinstated on January 27, 2016. Theaccount balance is $1,133.08 and the available line of credit is $1,704.00.Our records indicate that your BrylaneHome account ending in [redacted] has an account balance of $188.05and the available line of credit if $512.00. Please note this account was not impacted by the legalrepresentation of [redacted].Our records indicate that your BrylaneHome account ending in [redacted] was written off on August 2, 2015,due to non-payment, with an unpaid balance of $771.40. On August 21, 2015, the account was sold to[redacted].To discuss suitable payment arrangements, please contact [redacted] at ###-###-####.Lastly, Comenity Bank reports the same information to each of the national credit-reporting agencies.However, a recent review of the information reporting on your credit file did indicate a discrepancy. Please beassured that the credit-reporting agencies have been notified of the changes that need to be made. Pleaseallow 45 days for the agencies to update their records.We are truly sorry about the manner in which your accounts were handled; you are a valued customer.Should you have any further questions, please contact me directly at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). 1 will be happy to assist you.Sincerely,Lauren S[redacted]
Dear Martha J. Manuel: Comenity Bank (Bank) has received your correspondence. We are...
here to answer your questions and assist with your concerns. We understand that you are being contacted multiple times a day, and you don’t have any business with the Bank. When contacting the Bank, the representative advised that there wasn’t a record of your phone number, and they requested to check with your social security number. As you declined to provide your social security number, you state you were hung up on. You are requesting not to be contacted. We apologize for any inconvenience or frustration this may have caused you. We would like to help resolve any concerns you have. For us to further assist you, and fulfill your request, we need to know the phone number you are receiving the calls on. Once this information has been received, we will be able to more accurately address the concerns you have. Please send this information to my attention at the address at the top of this letter. 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 Long
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. As the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist you with 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 VICTORIA’S SECRET account was reported as charged off to the credit bureaus, and you paid the account in full in 2015 or prior. You indicated that the associate you spoke with was rude and hung up on you. After calling back, you were advised it was an error on the Bank’s behalf and that you needed to dispute this through the credit bureaus. You 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, 2014. The last payment of $176.34 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 activity. At this time, Comenity Bank finds no errors in its reporting of your VICTORIA’S SECRET credit card account to the credit bureaus. Delinquent 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 information. We apologize for the confusion and inconvenience this matter has caused you. Although 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 report. Please allow the credit-reporting agencies 45 days to update their records.In addition, please be assured that we reviewed the available and applicable telephone calls. We are sorry that you were not satisfied with the service that you received and we appreciate you providing the feedback regarding this matter. Our management team reviews calls and inquiries of this nature and their recommendations are followed. It is never the Bank’s intention to cause a customer a hardship.We hope this information is helpful. Should 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[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Crate and Barrel and RH credit cards. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, that youhave contacted the Bank since September trying to find the money that was taken from your bankaccount without your permission. You state you authorized three payments and five paymentswere taken from your account. You have set up a payment plan and your bill never changes.When you question the Bank about this, you are hung up on, screamed at, harassed, and no onewill listen to your complaint. The Bank is taking money and not applying to your accounts. OnFebruary 3, 2018, a payment of $439.00 was debited from your checking account and youreceived a call stating that there was no record of this payment. You are requesting that the Bankfinds the payment of $439.00, and adjust or pay off the accounts.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations. We apologize if you felt you did not receive the best customer service. We neverintend to treat our customers in a less-than-satisfactory manner. We are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.After a review of the Crate and Barrel account, our records indicate the following payments:Schedule Date Amount Method Withdrawal DateMay 2, 2017 $50.00 Via Account Center May 2, 2017September 17, 2017 $127.00 Via Account Center October 3, 2017December 15, 2017 $200.00 Via Account Center December 16, 2017January 10, 2018 $439.00 With Bank Associate February 3, 2018February 11, 2018 $161.00 Via Account Center *March 3, 2018As of the date of this letter, the balance on the Crate and Barrel account is $4253.23. Please note,this balance does not include the payment above that is denoted with an asterisk, as it isscheduled for a future withdrawal date.After a review of the RH account, our records indicate the following payments:Schedule Date Amount Method Withdrawal DateMay 21, 2017 $421.00 Via Account Center May 21, 2017August 28, 2017 $60.00 With Bank Associate August 28, 2017September 11, 2017 $380.00 With Bank Associate September 11, 2017September 18, 2017 $280.00 With Bank Associate September 29, 2017September 18, 2017 $280.00 With Bank Associate October 13, 2017September 18, 2017 $280.00 With Bank Associate October 27, 2017January 10, 2018 $440.00 With Bank Associate January 24, 2018January 10, 2018 $440.00 With Bank Associate *February 24, 2018January 10, 2018 $440.00 With Bank Associate *March 24, 2018February 11, 2018 $160.00 Via Account Center *February 26, 2018As of the date of this letter, the balance on the RH account is $8,633.64. Please note, this balancedoes not include the payments above that are denoted with an asterisk, as they are scheduledfor future withdrawal dates.As the Bank finds this information correct, we respectfully decline your request for the accountsto be adjusted.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses
I reviewed the response made by the business in reference to complaint ID [redacted]. Lending club solutions already resolved the issue.
Regards, [redacted]
Dear [redacted]We received your complaint regarding the above-referenced credit card account. ComenityBank issues multiple credit card accounts, and we are here to help answer your account-relatedquestions. Your complaint, addressed to the Revdex.com, was forwarded to myattention,...
and I appreciate the opportunity to respond to your concerns.We understand from your complaint that someone is using your personal information, withoutyour permission, and is opening accounts in your name. You are requesting that the Bankinvestigate this matter and remove the fraudulent accounts from your name. We apologize forand inconvenience this may have caused you.To better assist you, we need additional information to locate the account(s) in question. Pleaseprovide the following:- Complete Account Number- Any Previous Names of Accountholder- Any Previous Addresses- Home Telephone Number- Social security numberThis information can be mailed to the address listed above, or faxed to my attention at ###-###-####.I hope you find this information to be helpful. Should you have any additional questions orconcerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Dear [redacted]We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues avenue® 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 you placed an order for two pair of shoes for which you believe the total was around $120.00. You state that you made several payments in the amount of $30.00 to $40.00 each which should have covered the cost of the shoes. You also indicate that you became ill and were unaware that the balance had exceeded $400.00. You are requesting that the late fees and returned payment fees are removed from the account, and you want the account closed. I am happy to share my findings with you.We are sorry to hear that you became ill and hope that you are feeling better at this time.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). Please find a summary of your avenue® account below. I have enclosed a copy of the account CCA, as well as copies of your billing statements which show the account activity that comprised the account balance. Your avenue® account was opened on September 26, 2014; use of the account, or failure to close the account within 30 days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase of $123.07 was made on September 29, 2014, and your last payment of $75.00 was received on September 18, 2015. Comenity Bank is unwilling to credit late fees due to the Bank finds no errors and the balance is valid. Additionally, after reviewing the account there were no returned payment fees assessed to the account.As of the date of this letter, the balance is $493.83 with a minimum payment of $125.00 due on March 17, 2016, and the account is five billing cycles past due. If the account becomes six consecutive billing cycles past due, the account will be closed, written off and reported to the national reporting-agencies as an unpaid debt.We understand customers may experience difficulty making their payments due to economic factors. You may be eligible for enrollment in our Customer Hardship Program. This program provides customers with 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 call ###-###-####.Also, 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 creditors. We support and participate 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 ###-###-####.The account was closed on March 2, 2016, per your request.If you wish to discuss suitable payment options, please contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####). We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact our Payment Solutions team at the telephone number provided. They will be happy to assist you.Sincerely, Renee S[redacted]
Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and are here to help with your questions. The Revdex.com forwarded your complaint to my attention, and I appreciate the opportunity to respond to your concerns. Thank you for speaking...
with me on July 17, 2015. Per our discussion, please accept our deepest apology for any frustration that you may have experienced regarding the telephone calls that you have received from Comenity Bank. Please be advised that the telephone calls being made were attempts to contact a customer regarding a personal business matter. Please be assured that we have updated our records and you should not receive any further telephone calls at the telephone number ending in 3920 from Comenity Bank. We hope you find this information helpful. If you have any additional questions or concerns please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**Consumer Relations Specialist
Dear [redacted]We received your additional complaint addressed to the Revdex.com, regarding theabove-referenced account. Comenity Capital Bank issues Virgin America Visa@ accounts, andwe respond to all account-related inquiries. Your correspondence was forwarded to myattention for review and I appreciate this opportunity to assist you.We understand from your complaint that you are concerned with the 30 day delinquency that isappearing on your credit report regarding the above-noted account. You state that the shift ofyour account numbers due to your card being compromised caused a disruption in your autopaymentsystem and your email statements were delivered as spam. You would like thedelinquency removed from your credit bureau report.Bank records indicate the Virgin America Visa@ account was reported as 30 days delinquent inAugust 2015. Please note in the interest in customer setvice we have sent instructions to thenational credit-reporting agencies to remove the 30 day delinquency from August 2015regarding the Virgin America Visa@ account. Please allow them up to 45 days to update theirrecords.We hope you have found this information to be helpful. Should you have any additionalconcerns please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.
They did not address the actual problem at all . Which is how they could have caused a customer to be unduly stranded somewhere by their irresponsible actions . Warning In every zip code there is a skunk and this little stinker wandered into mine . I wasn't looking for any more travel based credit cards being as I already had three of the top rated but when I received the pre-approved application for this one I was influenced by the Orbitz name . I've been doing business with Orbitz Travel Agency for 30 years + and have always been very happy with their services . So when I received this credit card application I said why not ! Now I know why not . As last Christmas approached l had the credit lines on some of my existing credit accounts raised which meant credit report inquiries . So when I applied for this card I had "too many inquiries " on my credit report , and my FICO score was still 700+ . On December 18th I was instantly approved by Comenity Bank for a $2000 credit line . I received and activated the card on December 28th . I used the card on December 31st 2015 and January 1st 2016 with no problem for a total of about $320 . However when I attempted to use the card a few days later to pay a $93 cell phone bill it was declined . When I called customer service and spoke with two different representatives, they seemed unable to give me much information, other than that the card had been cancelled January 7th and that I'd receive a letter within a week or two explaining why . The letter received said the account had been cancelled on January 7th because of "too many inquires " . Basically it was suddenly cancelled without notice on the same information it was approved on . This card was good for about 10 days . I've had milk good for longer than that . Most of Comenity Bank credit cards are store cards . If a person was trying to purchase a new hat or pair of gloves or such and the card was suddenly cancelled it may have caused a minor inconvenience . But this is a travel based credit card and if a person was relying upon it for safe passage and lodging it could have left them stranded . Thinking this was probably a freak accident or computer glitch or something I reported the problem , asked that it be fixed and for a new or reactivated account after problem was fixed . The response I received from Comenity Bank was that they could do what they did ( apparently no problem according to their mindset) and I was not going to receive an active account at this time . They chose to completely ignore the more important factor as to how this could have put a customer in jeopardy . Now that I'm sure this was an intentional act I don't want this card ever . Hopefully Orbitz Travel will in the future will do business with a better bank . The Orbitz name on this Comenity Bank Visa, is like a wolf in sheeps clothing . After this incident ,later in January, to reaffirm to myself my credit standing , I applied for a new Visa and MasterCard from better banks and was approved for both for credit lines over 3 times the amount that had been offered by Comenity Bank .
Regards,
[redacted]
Dear Ms. [redacted]:We are in receipt of your complaint regarding the above-referenced account. Comenity Bankissues Peebles credit card accounts, and we respond to all account-related questions. Yourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate the...
opportunity to respond to your concerns.We understand from the complaint, on August 6, 2016, you applied for a Peebles credit cardaccount. You were informed by the Peebles store associate that you were approved for the creditcard, and used the card to make purchases that same day. You received the Peebles monthlybilling statement within a few weeks; however, the statement reflected your mother's information.You contacted Comenity Bank to resolve this matter; however, our Customer CareRepresentative was unable to locate your account information to resolve this matter. In addition,you received correspondence from Cornenity Bank informing you that our records indicate youhave an existing Peebles credit card account; however, you have never previously applied for aPeebles credit card account. You sent a letter to Comenity Bank inquiring how the Bank handlesconsumer personal information; however, you have not received a response from Comenity Bank,addressing your concerns.You are requesting Comenity Bank provide you with a written explanation addressing how theBank handles consumer personal information during, and after, submitting a credit cardapplication. You would also like to understand why you were verbally advised you were approvedfor an application; however, the account information provided was your mother's information.Lastly, you would like to know why you were advised that you had an existing Peebles credit cardaccount; however, your personal account information was unable to be located when you calledto address your concerns.We apologize for any inconvenience or frustration you may have experienced as a result of thismatter. Please be assured, the Bank has reviewed the issues in your complaint, as well as theapplicable phone conversations, and would like to share our findings:On August 6, 2016, the Peebles store associate called to submit a new account application foryou, and our representative entered your information. Due to the provided address, last name,and first initial already being on file, the application was flagged that the applicant may have apre-existing account. Our representative incorrectly reviewed your mother's account as youraccount; as such, the store associate was provided with your mother's account number. Pleasebe assured, due to the information provided for the application being matched to your mother'saccount, your personal credit information was not processed.Please note, calls of this nature are reviewed by management so additional coaching can beprovided to our associates to ensure that customers are provided with accurate information.To appIy for a Peebles credit card account, please visit the website:http://www.peebles.com.I hope you find this information helpful. Should you have any further questions or concerns;please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). 1 will be happyto assist you.Sincerely,Consumer Relations SpecialistCC: Revdex.com
the attached response didn't give me ANY reason as to why my account is "ineligible" for an adjustment. Not even a single explanation. It amazes me how the credit card company is so adamant about collecting a payment but then when customers fall on hard times, they aren't willing to work with them to resolve any issues. I've had the card since 2016 and paid on it on time, every single month and you mean to tell me that you're unwilling to adjust maybe just ONE late fee without an explanation as to why? That's ridiculous. I'm definitely gonna file with the Consumer Financial Protection Bureau as well.
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
we have to agree to disagree on the balance of my Kay jewelers account. Comenity/Kay jewelers are robbing me of over $500 and I'm choosing to cut my losses because unfortunately most of my payments have been cash payments and since I can't come up with all my receipts comenity is not able to help. Nothing was resolved. Rosa M[redacted] never once tried to contact me via phone and she was the one who was doing the investigation. You can close this case because since October 17th I have disputed this balance and it is now February 16th and have gotten no where but more stressed out than anything because of this. I've cut my losses and am moving forward. Never again will I bank with Kay jewelers or comenity. My last phone call with comenity they told me that I should be filing a complaint against Kay jewelers.....I'm all set with this being misguided with information. I give up
Comenity Bank (Bank) has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the LOVELOFT credit card. We are here to answer
your questions and assist with your concerns.
We understand from the correspondence,
submitted to...
the Revdex.com, that you disputed the account with
Credit Karma and the account was removed from your credit file. You are an
authorized user on this account and the account had been reporting on your
credit file for three years. You state that you are purchasing a home and your
lender cannot see the account on your credit file due to the account having been
removed. You have contacted the Bank to request we contact Jenny C[redacted] on your
behalf to have the account reinstated to your credit file. At which time you
were advised the Bank does not contact the credit-reporting agencies, and you
would have to submit your request in writing to the Bank. You are requesting we
get this matter taken care of for you.
Please be advised, it is the process of the
Bank to request credit bureau disputes be submitted in writing. This
information can be found on the back of each statement.
We would like to help resolve any
concerns you have. However, based on the
information provided in your correspondence,
in order
to better assist you, please provide us more specific information such as your
Social Security number; we are unable to update your credit file, without this
information.
Once this information has been received, we will be able to accurately
address your concerns, please send this information to my attention at the
address on the top of this letter.
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) 820-8932.
From: Cameron Young [mailto:[email protected]] Sent: Monday, January 09, 2017 3:36 PMTo: [email protected]: Fwd: Your online application has been approved_________________________________________From: Cameron Young [mailto:[email protected]] Sent: Monday,...
.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. We understand from your complaint that you were offered a joint membership as a secondary member on a fitness account. You were advised that you would only be responsible for your portion of the membership; however, your credit card was charged for all the fees. Furthermore, you are requesting that a refund be issued to you for the portion that was not your responsibility. Please be advised that Comenity Bank does not finance fitness center accounts. Please contact the fitness center directly regarding a refund. We 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
Thank you for contacting the Revdex.com, regarding the above-referencedaccounts. Comenity Bank issues the above-referenced credit card accounts, and we are here to helpwith account-related questions. Your complaint was forwarded to my attention, and I appreciate theopportunity to assist...
you.We understand from your complaint that your accounts were on a payment plan. You state you spokewith an associate who told you it would be ok to pay on a certain day. You were not happy with thecustomer service you experienced during collection calls and state you received threatening letters.You state that the Hardship program was cancelled and now you are being charged more than youowe. You would like for your accounts to be placed back on a payment program.We previously received and responded to your correspondence submitted to the Consumer FinancialProtection Bureau regarding this same matter. Please find enclosed a copy of our response sent toyou on November 4, 2016.In our previous response we advised that during a call in January 2016, you spoke with an associatewho explained that since you had missed a payment in December, you were a payment behind, andadvised what you needed to pay and by when, in order to catch up. You made one payment for eachaccount, but then failed to make another payment for each account by your March 6, 2016, due date,which resulted in the third missed payment for each account and caused the accounts to be unenrolledin Hardship Program.I hope you found this information to be helpful. Should you have any additional questions or concernsabout the account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
Denise F[redacted]
Comenity Bank (Bank) has received your additional correspondence regarding the abovereferencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are hereto answer your questions and assist with your concerns.We understand you are requesting confirmation of which month the delinquency will be removedfrom due to the changes submitted to the credit agencies.On April 28, 2017, we agreed to remove the 30 day delinquency reported in January 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear Ms. [redacted]We recently received a complaint, addressed to the Revdex.com, regarding the above-notedcredit card accounts. As the bank that issues the above-noted credit card accounts, and previouslyissued Newport News credit card accounts, we respond to all account-related inquiries....
Your complaintwas forwarded to my attention, and I appreciate the opportunity to assist you.Thank you for taking the time to speak with me on February 14, 2016, regarding the closure of the above-notedaccounts and the information reporting on your credit file.Afler a thorough investigation, our records indicate that we received an inquiry from Regis Law Group onDecember 19, 2014, advising their legal representation, along with a request to direct all communicationsregarding any debt owed to Comenity Bank to their firm. As a result, the Bank updated your accounts toensure that all future correspondence from the Bank will be directed to their law firm, and that you wereno longer contacted on the telephone numbers ending in [redacted], [redacted], [redacted] and [redacted]. Moreover, arestrictive status was added to the accounts, resulting in the suspension of purchasing privileges.On January 19, 2016, the Bank received an additional inquiry from [redacted] advising theremoval of their representation on any accounts held by the Bank. Regrettably, the restrictive status wasnot removed from all accounts.We have reviewed the applicable telephone calls, and regrettably, we can confirm that you wereinstructed to close your Venus accounts and reapply. Calls and letters of this nature are reviewed by ourmanagement team, and their recommendations regarding an appropriate resolution are followed.Please be assured your Venus accounts ending in [redacted] and [redacted] have been reopened. The availableline of credit on each account is $250.00. If you would like to permanently close one of the accounts,please contact me at the number listed below.Bank records further indicate that you applied for a new Venus credit card account on January 25, 2016,and February 8, 2016. In the interest of customer service, we have sent notification to the national credit-reportingagencies with instructions to remove the credit inquiries for these dates from your credit file.Please allow the credit-reporting agencies 45 days to update their records.However, please be aware that due to their compliance policies, the credit-reporting agencies do notdelete inquiries from a consumer's credit bureau report. When the Bank requests that an inquiry beremoved, the credit-reporting agencies will change it to a soft inquiry. This means that the inquiry onlyappears when the consumer pulls his or her own credit report. A soft inquiry does not appear on aconsumer's credit report that is provided to a lender or any other authorized party, and it does not impactthe consumer's credit score. Therefore, you will continue to see the inquiry on your credit report, but it willnot be visible to anyone else who may pull your credit report.We have also reviewed your chadwicks, Newport News, Mandee, Victoria's Secret/PINK, andBrylaneHome accounts, and we are pleased to share our findings below.Our records indicate that your chadwicks account was reinstated on February 19, 2016. The accountbalance is zero and the available line of credit is $480.00.Our records indicate that your Mandee account was reinstated on February 19, 2016. The accountbalance is $56.25 and the available line of credit is $1,019.00.Our records indicate that your Newport News account was previously closed by Comenity Bank onFebruary 5, 2014, due to the termination of the credit program; as such, we are unwilling to reinstate theaccount.Our records indicate that your Victoria's Secret/PINK account was reinstated on January 27, 2016. Theaccount balance is $1,133.08 and the available line of credit is $1,704.00.Our records indicate that your BrylaneHome account ending in [redacted] has an account balance of $188.05and the available line of credit if $512.00. Please note this account was not impacted by the legalrepresentation of [redacted].Our records indicate that your BrylaneHome account ending in [redacted] was written off on August 2, 2015,due to non-payment, with an unpaid balance of $771.40. On August 21, 2015, the account was sold to[redacted].To discuss suitable payment arrangements, please contact [redacted] at ###-###-####.Lastly, Comenity Bank reports the same information to each of the national credit-reporting agencies.However, a recent review of the information reporting on your credit file did indicate a discrepancy. Please beassured that the credit-reporting agencies have been notified of the changes that need to be made. Pleaseallow 45 days for the agencies to update their records.We are truly sorry about the manner in which your accounts were handled; you are a valued customer.Should you have any further questions, please contact me directly at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). 1 will be happy to assist you.Sincerely,Lauren S[redacted]
Dear Martha J. Manuel: Comenity Bank (Bank) has received your correspondence. We are...
here to answer your questions and assist with your concerns. We understand that you are being contacted multiple times a day, and you don’t have any business with the Bank. When contacting the Bank, the representative advised that there wasn’t a record of your phone number, and they requested to check with your social security number. As you declined to provide your social security number, you state you were hung up on. You are requesting not to be contacted. We apologize for any inconvenience or frustration this may have caused you. We would like to help resolve any concerns you have. For us to further assist you, and fulfill your request, we need to know the phone number you are receiving the calls on. Once this information has been received, we will be able to more accurately address the concerns you have. Please send this information to my attention at the address at the top of this letter. 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 Long
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. As the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist you with 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 VICTORIA’S SECRET account was reported as charged off to the credit bureaus, and you paid the account in full in 2015 or prior. You indicated that the associate you spoke with was rude and hung up on you. After calling back, you were advised it was an error on the Bank’s behalf and that you needed to dispute this through the credit bureaus. You 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, 2014. The last payment of $176.34 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 activity. At this time, Comenity Bank finds no errors in its reporting of your VICTORIA’S SECRET credit card account to the credit bureaus. Delinquent 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 information. We apologize for the confusion and inconvenience this matter has caused you. Although 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 report. Please allow the credit-reporting agencies 45 days to update their records.In addition, please be assured that we reviewed the available and applicable telephone calls. We are sorry that you were not satisfied with the service that you received and we appreciate you providing the feedback regarding this matter. Our management team reviews calls and inquiries of this nature and their recommendations are followed. It is never the Bank’s intention to cause a customer a hardship.We hope this information is helpful. Should 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[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Crate and Barrel and RH credit cards. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, that youhave contacted the Bank since September trying to find the money that was taken from your bankaccount without your permission. You state you authorized three payments and five paymentswere taken from your account. You have set up a payment plan and your bill never changes.When you question the Bank about this, you are hung up on, screamed at, harassed, and no onewill listen to your complaint. The Bank is taking money and not applying to your accounts. OnFebruary 3, 2018, a payment of $439.00 was debited from your checking account and youreceived a call stating that there was no record of this payment. You are requesting that the Bankfinds the payment of $439.00, and adjust or pay off the accounts.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations. We apologize if you felt you did not receive the best customer service. We neverintend to treat our customers in a less-than-satisfactory manner. We are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.After a review of the Crate and Barrel account, our records indicate the following payments:Schedule Date Amount Method Withdrawal DateMay 2, 2017 $50.00 Via Account Center May 2, 2017September 17, 2017 $127.00 Via Account Center October 3, 2017December 15, 2017 $200.00 Via Account Center December 16, 2017January 10, 2018 $439.00 With Bank Associate February 3, 2018February 11, 2018 $161.00 Via Account Center *March 3, 2018As of the date of this letter, the balance on the Crate and Barrel account is $4253.23. Please note,this balance does not include the payment above that is denoted with an asterisk, as it isscheduled for a future withdrawal date.After a review of the RH account, our records indicate the following payments:Schedule Date Amount Method Withdrawal DateMay 21, 2017 $421.00 Via Account Center May 21, 2017August 28, 2017 $60.00 With Bank Associate August 28, 2017September 11, 2017 $380.00 With Bank Associate September 11, 2017September 18, 2017 $280.00 With Bank Associate September 29, 2017September 18, 2017 $280.00 With Bank Associate October 13, 2017September 18, 2017 $280.00 With Bank Associate October 27, 2017January 10, 2018 $440.00 With Bank Associate January 24, 2018January 10, 2018 $440.00 With Bank Associate *February 24, 2018January 10, 2018 $440.00 With Bank Associate *March 24, 2018February 11, 2018 $160.00 Via Account Center *February 26, 2018As of the date of this letter, the balance on the RH account is $8,633.64. Please note, this balancedoes not include the payments above that are denoted with an asterisk, as they are scheduledfor future withdrawal dates.As the Bank finds this information correct, we respectfully decline your request for the accountsto be adjusted.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses
I reviewed the response made by the business in reference to complaint ID [redacted]. Lending club solutions already resolved the issue.
Regards, [redacted]
Dear [redacted]We received your complaint regarding the above-referenced credit card account. ComenityBank issues multiple credit card accounts, and we are here to help answer your account-relatedquestions. Your complaint, addressed to the Revdex.com, was forwarded to myattention,...
and I appreciate the opportunity to respond to your concerns.We understand from your complaint that someone is using your personal information, withoutyour permission, and is opening accounts in your name. You are requesting that the Bankinvestigate this matter and remove the fraudulent accounts from your name. We apologize forand inconvenience this may have caused you.To better assist you, we need additional information to locate the account(s) in question. Pleaseprovide the following:- Complete Account Number- Any Previous Names of Accountholder- Any Previous Addresses- Home Telephone Number- Social security numberThis information can be mailed to the address listed above, or faxed to my attention at ###-###-####.I hope you find this information to be helpful. Should you have any additional questions orconcerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Dear [redacted]We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues avenue® 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 you placed an order for two pair of shoes for which you believe the total was around $120.00. You state that you made several payments in the amount of $30.00 to $40.00 each which should have covered the cost of the shoes. You also indicate that you became ill and were unaware that the balance had exceeded $400.00. You are requesting that the late fees and returned payment fees are removed from the account, and you want the account closed. I am happy to share my findings with you.We are sorry to hear that you became ill and hope that you are feeling better at this time.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). Please find a summary of your avenue® account below. I have enclosed a copy of the account CCA, as well as copies of your billing statements which show the account activity that comprised the account balance. Your avenue® account was opened on September 26, 2014; use of the account, or failure to close the account within 30 days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase of $123.07 was made on September 29, 2014, and your last payment of $75.00 was received on September 18, 2015. Comenity Bank is unwilling to credit late fees due to the Bank finds no errors and the balance is valid. Additionally, after reviewing the account there were no returned payment fees assessed to the account.As of the date of this letter, the balance is $493.83 with a minimum payment of $125.00 due on March 17, 2016, and the account is five billing cycles past due. If the account becomes six consecutive billing cycles past due, the account will be closed, written off and reported to the national reporting-agencies as an unpaid debt.We understand customers may experience difficulty making their payments due to economic factors. You may be eligible for enrollment in our Customer Hardship Program. This program provides customers with 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 call ###-###-####.Also, 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 creditors. We support and participate 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 ###-###-####.The account was closed on March 2, 2016, per your request.If you wish to discuss suitable payment options, please contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####). We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact our Payment Solutions team at the telephone number provided. They will be happy to assist you.Sincerely, Renee S[redacted]
Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and are here to help with your questions. The Revdex.com forwarded your complaint to my attention, and I appreciate the opportunity to respond to your concerns. Thank you for speaking...
with me on July 17, 2015. Per our discussion, please accept our deepest apology for any frustration that you may have experienced regarding the telephone calls that you have received from Comenity Bank. Please be advised that the telephone calls being made were attempts to contact a customer regarding a personal business matter. Please be assured that we have updated our records and you should not receive any further telephone calls at the telephone number ending in 3920 from Comenity Bank. We hope you find this information helpful. If you have any additional questions or concerns please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**Consumer Relations Specialist
Dear [redacted]We received your additional complaint addressed to the Revdex.com, regarding theabove-referenced account. Comenity Capital Bank issues Virgin America Visa@ accounts, andwe respond to all account-related inquiries. Your correspondence was forwarded to myattention for review and I appreciate this opportunity to assist you.We understand from your complaint that you are concerned with the 30 day delinquency that isappearing on your credit report regarding the above-noted account. You state that the shift ofyour account numbers due to your card being compromised caused a disruption in your autopaymentsystem and your email statements were delivered as spam. You would like thedelinquency removed from your credit bureau report.Bank records indicate the Virgin America Visa@ account was reported as 30 days delinquent inAugust 2015. Please note in the interest in customer setvice we have sent instructions to thenational credit-reporting agencies to remove the 30 day delinquency from August 2015regarding the Virgin America Visa@ account. Please allow them up to 45 days to update theirrecords.We hope you have found this information to be helpful. Should you have any additionalconcerns please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.
They did not address the actual problem at all . Which is how they could have caused a customer to be unduly stranded somewhere by their irresponsible actions . Warning In every zip code there is a skunk and this little stinker wandered into mine . I wasn't looking for any more travel based credit cards being as I already had three of the top rated but when I received the pre-approved application for this one I was influenced by the Orbitz name . I've been doing business with Orbitz Travel Agency for 30 years + and have always been very happy with their services . So when I received this credit card application I said why not ! Now I know why not . As last Christmas approached l had the credit lines on some of my existing credit accounts raised which meant credit report inquiries . So when I applied for this card I had "too many inquiries " on my credit report , and my FICO score was still 700+ . On December 18th I was instantly approved by Comenity Bank for a $2000 credit line . I received and activated the card on December 28th . I used the card on December 31st 2015 and January 1st 2016 with no problem for a total of about $320 . However when I attempted to use the card a few days later to pay a $93 cell phone bill it was declined . When I called customer service and spoke with two different representatives, they seemed unable to give me much information, other than that the card had been cancelled January 7th and that I'd receive a letter within a week or two explaining why . The letter received said the account had been cancelled on January 7th because of "too many inquires " . Basically it was suddenly cancelled without notice on the same information it was approved on . This card was good for about 10 days . I've had milk good for longer than that . Most of Comenity Bank credit cards are store cards . If a person was trying to purchase a new hat or pair of gloves or such and the card was suddenly cancelled it may have caused a minor inconvenience . But this is a travel based credit card and if a person was relying upon it for safe passage and lodging it could have left them stranded . Thinking this was probably a freak accident or computer glitch or something I reported the problem , asked that it be fixed and for a new or reactivated account after problem was fixed . The response I received from Comenity Bank was that they could do what they did ( apparently no problem according to their mindset) and I was not going to receive an active account at this time . They chose to completely ignore the more important factor as to how this could have put a customer in jeopardy . Now that I'm sure this was an intentional act I don't want this card ever . Hopefully Orbitz Travel will in the future will do business with a better bank . The Orbitz name on this Comenity Bank Visa, is like a wolf in sheeps clothing . After this incident ,later in January, to reaffirm to myself my credit standing , I applied for a new Visa and MasterCard from better banks and was approved for both for credit lines over 3 times the amount that had been offered by Comenity Bank .
Regards,
[redacted]
Dear Ms. [redacted]:We are in receipt of your complaint regarding the above-referenced account. Comenity Bankissues Peebles credit card accounts, and we respond to all account-related questions. Yourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate the...
opportunity to respond to your concerns.We understand from the complaint, on August 6, 2016, you applied for a Peebles credit cardaccount. You were informed by the Peebles store associate that you were approved for the creditcard, and used the card to make purchases that same day. You received the Peebles monthlybilling statement within a few weeks; however, the statement reflected your mother's information.You contacted Comenity Bank to resolve this matter; however, our Customer CareRepresentative was unable to locate your account information to resolve this matter. In addition,you received correspondence from Cornenity Bank informing you that our records indicate youhave an existing Peebles credit card account; however, you have never previously applied for aPeebles credit card account. You sent a letter to Comenity Bank inquiring how the Bank handlesconsumer personal information; however, you have not received a response from Comenity Bank,addressing your concerns.You are requesting Comenity Bank provide you with a written explanation addressing how theBank handles consumer personal information during, and after, submitting a credit cardapplication. You would also like to understand why you were verbally advised you were approvedfor an application; however, the account information provided was your mother's information.Lastly, you would like to know why you were advised that you had an existing Peebles credit cardaccount; however, your personal account information was unable to be located when you calledto address your concerns.We apologize for any inconvenience or frustration you may have experienced as a result of thismatter. Please be assured, the Bank has reviewed the issues in your complaint, as well as theapplicable phone conversations, and would like to share our findings:On August 6, 2016, the Peebles store associate called to submit a new account application foryou, and our representative entered your information. Due to the provided address, last name,and first initial already being on file, the application was flagged that the applicant may have apre-existing account. Our representative incorrectly reviewed your mother's account as youraccount; as such, the store associate was provided with your mother's account number. Pleasebe assured, due to the information provided for the application being matched to your mother'saccount, your personal credit information was not processed.Please note, calls of this nature are reviewed by management so additional coaching can beprovided to our associates to ensure that customers are provided with accurate information.To appIy for a Peebles credit card account, please visit the website:http://www.peebles.com.I hope you find this information helpful. Should you have any further questions or concerns;please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). 1 will be happyto assist you.Sincerely,Consumer Relations SpecialistCC: Revdex.com
the attached response didn't give me ANY reason as to why my account is "ineligible" for an adjustment. Not even a single explanation. It amazes me how the credit card company is so adamant about collecting a payment but then when customers fall on hard times, they aren't willing to work with them to resolve any issues. I've had the card since 2016 and paid on it on time, every single month and you mean to tell me that you're unwilling to adjust maybe just ONE late fee without an explanation as to why? That's ridiculous. I'm definitely gonna file with the Consumer Financial Protection Bureau as well.
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
we have to agree to disagree on the balance of my Kay jewelers account. Comenity/Kay jewelers are robbing me of over $500 and I'm choosing to cut my losses because unfortunately most of my payments have been cash payments and since I can't come up with all my receipts comenity is not able to help. Nothing was resolved. Rosa M[redacted] never once tried to contact me via phone and she was the one who was doing the investigation. You can close this case because since October 17th I have disputed this balance and it is now February 16th and have gotten no where but more stressed out than anything because of this. I've cut my losses and am moving forward. Never again will I bank with Kay jewelers or comenity. My last phone call with comenity they told me that I should be filing a complaint against Kay jewelers.....I'm all set with this being misguided with information. I give up
Comenity Bank (Bank) has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the LOVELOFT credit card. We are here to answer
your questions and assist with your concerns.
We understand from the correspondence,
submitted to...
the Revdex.com, that you disputed the account with
Credit Karma and the account was removed from your credit file. You are an
authorized user on this account and the account had been reporting on your
credit file for three years. You state that you are purchasing a home and your
lender cannot see the account on your credit file due to the account having been
removed. You have contacted the Bank to request we contact Jenny C[redacted] on your
behalf to have the account reinstated to your credit file. At which time you
were advised the Bank does not contact the credit-reporting agencies, and you
would have to submit your request in writing to the Bank. You are requesting we
get this matter taken care of for you.
Please be advised, it is the process of the
Bank to request credit bureau disputes be submitted in writing. This
information can be found on the back of each statement.
We would like to help resolve any
concerns you have. However, based on the
information provided in your correspondence,
in order
to better assist you, please provide us more specific information such as your
Social Security number; we are unable to update your credit file, without this
information.
Once this information has been received, we will be able to accurately
address your concerns, please send this information to my attention at the
address on the top of this letter.
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) 820-8932.
Sincerely,
Renee S[redacted]
Compliance Dept. – Consumer Responses
cc: RevDex.com
From: Cameron Young [mailto:[email protected]] Sent: Monday, January 09, 2017 3:36 PMTo: [email protected]: Fwd: Your online application has been approved_________________________________________From: Cameron Young [mailto:[email protected]] Sent: Monday,...
January 09, 2017 3:37 PMTo: [email protected]: Fwd: Emailing I'd 11908721.pdf