Dear [redacted]Thank you for the recent inquiry regarding the above-noted account. Comenity Capital Bank issues Ideal Image credit accounts, and we are here to help with your account-related questions. Your correspondence, sent to the Revdex.com, was forwarded to...
my attention, and I appreciate the opportunity to respond to your concerns. I understand your concerns regarding the payment distribution to your account, and I apologize for any confusion or inconvenience this situation may have caused you. After reviewing your account, our records indicate that you made purchases that were placed on an 18 month deferred interest payment required plan, and a 24 month deferred interest payment required plan. Purchases that are placed on promotional plans, require a monthly payment for each promotional plan, and the payment remitted is distributed to each plan. If there is more than one promotional plan, the statement that is issued will reflect a total minimum payment, which would include the required minimum payment for each plan. For example, if Plan A has a required payment of $10.00, Plan B has a required payment of $10.00, and Plan C has a required payment of $20.00, then the total minimum payment required for that billing period would be $40.00 and the payment that is sent in is distributed according to the terms of the account. When you make a payment on your credit card account, your payment is applied to your total account balance, including your revolving account balance, deferred-interest promotional plan, and any other plans associated with your account. The amount applied to your revolving account and deferred-interest plan is based on your plan balance(s). When a deferred-interest plan is nearing its expiration date, and you pay more than the required minimum payment due, the additional amount is applied to the soon-to-be-expired plan. We appreciate the time you have taken to notify us of your concerns. Please be assured, we have taken your feedback into consideration and are working to make a more customer friendly process that will provide more in depth information. I hope the information I provided is 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, Diamond L[redacted]
Dear Ms. [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Bank issues Bedford Fair Apparel credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. You state in your complaint that you signed up for a promotional plan with Bedford Fair Apparel for $1.99 for the first month and $14.87 for each month thereafter. You further state that you had 30 days to cancel and, although you cancelled within three weeks, your Bedford Fair Apparel credit card account was charged $14.97 for eleven months. Additionally, although you disputed the charges and were given credit for three charges, you are stating that you feel you are due more. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please note that Bedford Fair Apparel, Old Pueblo Traders, and Comenity Bank are separate entities. The Bank issues and is responsible for addressing questions related to Bedford Fair Apparel and Old Pueblo Traders credit card accounts. Bedford Fair Apparel and Old Pueblo Traders are responsible for handling matters related to sales, merchandise processing, returns and shipping. We have reviewed your account and are happy to share our findings. The Bedford Fair Apparel VIP Plus program, and the Old Pueblo Traders VIP program are optional services that are offered through Bedford Fair Apparel and Old Pueblo Traders. Bedford Fair Apparel card holders have the ability to cross shop with Old Pueblo Traders. Both VIP programs offer a special introductory price of $1.99 for the first 30 days, and if the customer does not call to cancel the membership within the first 30 days, the membership fee of $14.97 is automatically billed to the account each month. Cancellation may be made at any time with no further obligation. Our records indicate that the above-referenced account was charged for eleven Old Pueblo Traders VIP Plus membership fees at $14.97 each. On June 17, 2015, as a result of a billing dispute the Bank received, the Old Pueblo Traders VIP Plus membership was cancelled, and credits totaling $44.91 for three monthly membership fees, and $1.99 for an introductory fee, were issued to the account. We reached out to Old Pueblo Traders, on your behalf, regarding the remaining Old Pueblo Traders VIP Plus charges. On January 22, 2016, Old Pueblo Traders issued credits totaling $121.75 for eight additional monthly membership fees, and $1.99 for the introductory fee for Old Pueblo Traders VIP Plus. These credits appeared on your monthly billing statement issued on January 24, 2016. We have enclosed a copy of this billing statement for your review. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R[redacted]
Dear [redacted]
Comenity Bank has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the EXPRESS NEXT credit cards. We are here to answer your questions and assist with your concerns.Your complaint states that the account was deleted on May 19,...
2016, and you were not able to pay online or at the store. You state that numerous cards were sent to you, but you have not received them; however, you are receiving the billing statements. You would like something from the Bank for your time and frustration spent trying to get the account fixed.Bank records indicate on June 18, 2016, the account ending in [redacted] was cancelled and transferred to a new number ending in [redacted], as you had not received the credit card. A new card was issued to the address as listed in your complaint, and we had no record of the card being returned by the post office as undeliverable. A replacement card was requested on the account ending in [redacted], and then cancelled on the same day; we apologize for this error.On December 12, 2016, the Bank was notified that you had not received the card. Therefore, the account ending in [redacted] was cancelled, and transferred to a new number ending in [redacted]; however, a new card was not requested, which is why you never received it. This account is open and valid. In order to register the account on account center, this card has to be used as it is the most current credit card number. Any other numbers that may have been used as an attempt to charge or register online would have been invalid.Due to these concerns, the Bank had opened a ticket for your account to be researched. The Bank was unable to find any issues with your current account, and there are no blocks that would restrict you from charging or registering on the Bank’s account center.In order to ensure you have the correct card, we issued a card from your current account ending in [redacted]. We confirmed the card was sent and should arrive within two weeks. Additionally, please be aware that you have an authorized buyer, [redacted] listed on the account. We have not issued a card to her at this time. If [redacted] has an old card and attempts to charge or register the account on your behalf, the card would decline and the registration would not go through. If you want the Bank to issue a card for [redacted], please contact our Customer Care team at ###-###-####, and they will be happy to assist you.Furthermore, the Bank and EXPRESS have different websites. To register the account with the Bank, please be sure you access http://comenity.net/express. Here you will be able to view your account information and make payments to the EXPRESS NEXT credit card.As a token of our apologies, we have issued a $25.00 credit to your account.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y[redacted]
Dear Mr. [redacted]: We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned accounts. Comenity Capital Bank issues ZALES THE DIAMOND STORE® credit cards, and we are here to...
help with all account-related questions. Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you have been receiving repeated telephone calls regarding your accounts starting at 8:00am, and you are requesting that we reduce the number of calls to maybe one or two calls a day. We apologize for any frustration this matter may have caused you. Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempts to communicate are successful. You may send us a written request to cease and desist all contact to collect on your account(s). This written request would stop all future collection phone calls. Your request to cease and desist contact on your account(s) may be changed at any time by contacting us again in writing. If you wish to have this status added to your account(s), please write the Bank at the below address: Comenity Capital Bank P.O. Box 183003 Columbus, OH 43218-3003 Bank records indicate your ZALES THE DIAMOND STORE® credit card account ending in 2910 is three billing periods past due. Please note, should an account exceed six consecutive billing periods past due, the account would be permanently closed and written off, due to non-payment, and reported to the national credit reporting agencies as an unpaid debt. The last payment of $38.00, posted to the ZALES THE DIAMOND STORE® account on March 29, 2016. Currently, a minimum payment of $45.00 is due by May 20, 2016, this payment will bring your account current and collection efforts will cease. Bank records indicate your ZALES THE DIAMOND STORE® credit card account ending in 5074 has received a payment of $40.00 on May 4, 2016. This payment has brought the account current and you should not receive any additional telephone calls regarding this account. 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 ###-###-####. We hope that you find this information helpful. Should you have any other 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, Ashley H[redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the J.Crew credit cards. We are here to answer your questions and assist with your concerns.We understand from your correspondence that you purchase merchandise and...
returned it four days later, however the same purchase stated on your statement. Additionally, you state that you disputed this charge and have not heard nor received any correspondence from the Bank regarding this matter. You also state that you spoke to the Bank and the representative spoke over you, and harassed you over the phone regarding the payment. You are requesting that the fees are removed from your account and your credit file updated to remove the delinquencies from your credit file.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met.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 February 22, 2017, with statements enclosed.After a thorough review of the account, our records indicate that the balance is valid and the Bank is unwilling to remove the fees that were assessed to the account. Please refer to the billing statements enclosed in the previous letter for your records.As of the date of this letter, the balance on the account is $354.43 with a minimum due payment of $61.00 which was due on February 28, 2017.We have verified we are reporting the account correctly to the credit-reporting agencies. We are required by law to report factual information. 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, Renee S[redacted]
The company is crooked after I file this complaint about the money I owe from this business, they sent information to third party collection agency. I tried to explain to you all this company was not right in formation. Thank you
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions andassist with your concerns.We understand from your correspondence that you sent a...
payment in the amount of $27.00 that was notposted to your account causing you to receive a late fee. When you contacted our Customer Servicedepartment you state that the representative was not friendly, did not want to hear your concerns, andsuggested you close your account; which you did. Furthermore, you are requesting a refund in the amountof $15.00.Please be advised, your payments are due by the 16th of each month. If a payment is received after thedue date, or for less than the requested minimum amount due, a late fee and finance charges may beassessed to the account, pursuant of the terms and conditions of the Credit Card AgreementBank records indicate a $27.00 minimum payment was due on February 16, 2017. There was a $32.00payment posted to the account on February 25, 2017. As this payment was received after the due date, alate fee and finance charge were assessed to the account.On February 25, 2017, credits totaling $13.44 were issued to your Victoria’s Secret Angel account as aone-time courtesy.Comenity Bank is committed to providing the best customer service and we are disappointed when thatstandard is not met. Your opinion of our service is important to us, and we appreciate the time you spent innotifying us of your concerns. We have reviewed the concerns in your correspondence as well as theapplicable telephone conversations. We apologize if you felt you did not receive the best customer service.We never intend 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.Please be assured that we have issued an additional credit to your account for the remaining balance,which resulted in a zero balance The account was closed on February 25, 2017, as you requested.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,Rosa M[redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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,
[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your account-related questions. Your complaint was forwarded to my attention for review, and I...
appreciate the opportunity to assist you.Your complaint states that you last purchased on the card in September 2006, and you paid an agreed upon amount in 2012 to settle the balance. You also state that your account was reopened with the original balance, less the agreed paid amount, and then the account was sent to collections. You have requested the account be closed and the collection attempts to stop, as you do not owe the debt.Bank records indicate that the last purchase of $301.11 was made on September 13, 2006. The last payment of $55.00 was received on September 14, 2012. As no further payments were received, the account was closed and written off on May 9, 2013, with an unpaid balance of $381.02.We have no record of an agreed settlement and the account reflects that we were unable to collect the debt. As such, the account was transferred to Portfolio Recovery on June 18, 2014. In order for Comenity Bank to recall this debt, we would need a copy of the settlement confirmation letter you mention in your complaint. This can be sent to the address noted above, or you may fax to my attention to ###-###-####. Once received, we would update our records. Otherwise, you would need to contact Portfolio Recovery, toll free, at ###-###-####.We hope this information is helpful. Should you have further questions or concerns, please contact Portfolio Recovery at the number provided.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues Zales credit cards. We are here to answer your questions and assist with your concerns. We understand from your...
complaint that the website for Zales online bill pay has caused you to be assessed multiple late fees. You state that you have multiple accounts with Comenity Bank and you don’t have any issues on any of the other websites to pay your bill. You also state that you were told to take a screen shot every time you pay your bill, so that you have evidence that you logged on before your due date. You are requesting to have all of the late fees credited to your account. In addition you state that you received rude treatment while speaking with the Bank. We apologize for the inconvenience this matter may have caused you. Bank records indicate that your October 2016 billing statement was issued with a minimum payment of $67.00 due by November 13, 2016. As no payment was received by the due date, a late fee of $27.00 was assessed to your account. Records indicate that you logged on to Account Center on October 14th; however, no payment was scheduled. On November 17, 2016, you logged on to Account Center and scheduled a payment of $150.00 for the same day. The November 2016 billing statement was issued with a minimum payment of $71.00 due by December 13, 2016. Records indicate that you logged on to Account Center on December 1, 2016, and scheduled a payment of $250.00 for December 13, 2016. As you payment was applied to your account on the due date, no late fee was assessed. The December 2016 billing statement was issued with a minimum payment of $60.00 due January 13, 2017. As no payment was received by the due date a late fee of $37.00 was assessed to your account. Records indicate that you logged on to Account Center on January 17, 2017, however, no payment was scheduled. On January 18, 2017, you logged on to Account Center and scheduled a payment of $100.00 for the same day. The January 2017 billing statement was issued with a minimum payment of $63.00 due February 13, 2017. As no payment was received by the due date, a late fee of $37.00 was assessed to your account. Records indicate that you logged on to Account Center on February 16, 2017, and scheduled a payment of $150.00 for the same day. Please be advised, your payments are due by the thirteenth of each month. If a payment is received after the due date, or for less than the requested minimum amount due, a late fee and finance charges may be assessed to the account, pursuant of the terms and conditions of the Credit Card Agreement. The Bank is willing to remove one late fee in an eighteen month time period, as a courtesy. Our records indicate that a late fee credit in the amount of $27.00 was issued to your account on January 18, 2017. Unfortunately, the bank is unwilling to make any additional adjustments to your account for the previously assessed late fees. We have reviewed the applicable telephone conversation. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Please be advised that you may have been asked to take screenshots each time you logged in to make a payment before your due date; because the Bank may have required supporting documentation to be supplied in order to fully investigate your claim. 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, Ashley H[redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID 11986303, and find the resolution is...
satisfactory to me to an extent. While the business refunded the late fee, they are still charging me interest on the late fee, which is absurd, but to in order to move on and not squabble over $.11, I will drop it. Additionally, as of yet, I have NOT received a paper bill in the mail, and I understand my payment is due next week. THIS has been my main complaint from the get-go, as this bank is STILL not mailing me my statements!
Regards,
Marisa C[redacted]
Dear Ms. [redacted]Thank you for your complaint regarding the accounts noted above. Comenity Bank issuesdressbarn and Victoria's SecretPlNK credit cards, and we are here to help with your accountrelatedquestions and concerns. Your complaint, addressed to the Revdex.com, wasforwarded to my...
attention and I appreciate the opportunity to assist you.I understand from your complaint, on July 17, 2015, your online payments for both yourdressbarn and Victoria's SecretPlNK credit card accounts were returned because you remittedpayment from a closed checking account in error. You immediately contacted Comenity Bankto address and resolve this matter. You state that you spoke with our representative whoreassured you the fees resulting from the returned payments would be reversed.On August 12, 2015, you called and encountered a customer service representative who youfelt was rude. In addition, the customer service representative advised that Comenity Bank isunable to restore your credit limit unless you answer the phone whenever we call within the nextseven to ten days.Furthermore, on August 12, 2015, you received notification that two accounts had been closed,which negatively impacted and decreased your credit score by 20 points. Lastly, on August 25,2015, you received correspondence from Comenity Bank advising of a request for a credit limitincrease of which you did not request.You are requesting correction to your credit bureau report, and restoration of your dressbarnand Victoria's SecretPlNK credit cards.We apologize for the inconvenience and frustration that this matter may have caused you.Please be advised, the Bank has reviewed the issues in your complaint, as well as theapplicable phone conversation. We apologize if you felt that you did not receive the bestcustomer service. It is never the Bank's intention to treat our customers in a tess-thansatisfactorymanner. Comenity Bank is committed to providing the best customer service and isdisappointed when a customer feels that this standard was not met.While reviewing the telephone call, we found that our representative explained that the accountswere not closed; however, due to the returned payments, the credit limit on the accounts hadbeen reduced to zero. In the interest of customer service, our representative attempted toreinstate the credit limits but was unable. This was the reason you received our correspondencestating we were unable to increase your credit limit. Our representative explained that becauseof information on your credit report, we would have to contact you at the number you providedon your credit report to reinstate the accounts. Please be aware that this was due to the fraudalert you have placed on your credit report. To protect our customers, and ensure we arespeaking to the correct party, we will contact the customer at the number they have provided ontheir fraud alert. Our representative explained that someone would be calling you within thenext 7-10 days and advised you to answer the call so we could resolve this matter for you.In the interest of customer service, please be assured, your dressbarn credit limit has beenrestored to $750.00 and has available credit of $569.00. Your Victoria's SecretlPlNK credit limithas been restored to $2,550.00 and has available credit of $1,905.00.The Bank completed a thorough review of your credit bureau report with the credit reportingagencies. Per our review, we can confirm that Comenity Bank has not reported your dressbarnnor your Victoria's SecretPlNK credit card accounts as closed. Additionally, both accounts areagain reporting the credit limits as stated above.I hope you find this information to be helpful. Should you have additional questions or concernsabout this matter, please contact me at ###-###-####, ext. [redacted] (TDDTTTY ###-###-####I would be happy to assist you.Sincerely, Geanine M[redacted]
you did not satisfy either of my requests. I asked Comenity Bank to remove all accounts from my credit report. It has been over two months since I submitted the Statement of Fraud and Forgery. Comenity Bank is causing financial harm to my credit. You said the investigation is underway. I am very happy that an investigation is underway and I hope Comenity Bank takes all the time necessary to investigate and find the identity thief. However, I demand that my credit be corrected immediately. As I have said above, two months is excessive for my credit to be impacted as a result of Comenity Bank's negligence. You also said, to receive a copy of the application, the Bank would need the following:Valid Identification of the victim (Customer Name)A copy of the filed police report, including a report number and contact information that may be used to confirm the filing of the report, if necessary.A signed affidavit attesting to the validity of the identity theft claim.You have already stipulated that Comenity Bank has received the Statement of Fraud and Forgery from me. In that statement, there is valid identification of the victim, ME. There is also a copy of the filed police report, including a report number and contact information that may be used to confirm the filing of the report. There is even a signed affidavit attesting to the validity of the identity theft claim. In addition to that information that you have already stipulated that I have provided, I have also sent Comenity Bank an express request on October 8, 2015, signed under the penalty of perjury, identifying myself. In that request, I expressly ask for all business records and applications used in my name. As this request is required by federal law to be fulfilled NO LATER THAN 30 DAYS. 15 USC 1681g(e). Comenity Bank has ignored that request. Today, I am making another written request based on your instructions. This time, I spent approximately $4 on tracking and a signed verification of receipt from Comenity Bank. You say you apologize for the inconvenience and frustration that this has caused me then you suggest that I get a subpoena. Your company has put fraudulent records on my credit report, your company has ignored my written correspondences, your company has disregarded federal law and suggested that I need to seek litigation in order for me to enforce my rights. I reject your offer, Kaija M[redacted]. Outside of an empty apology, you have done nothing for me. If you have any questions or concerns regarding any of the above, call me at ###-###-#### or email me anytime at [redacted] Regards, [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 have an Avenue account and you were contacted by Comenity Bank’s collection department for payment. At that time you set up payments to be debited from your grandmother’s personal bank account. You also state that you requested statements from the collection representative, that shows the starting balance, and how much is owed after payments. I am happy to share my findings with you. Your Avenue account was opened on July 8, 2013; 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 $13.49 was made on November 19, 2013, and your last payment of $129.50 was received on August 21, 2015. Your account was written off on May 22, 2015, with an unpaid balance of $489.14. Please be advised, that I have enclosed statements for the months of July 2013 through April 2015. When an account is written off there are no statements issued after the write-off date. Due to the write-off date on the account being May 2015 there would be no statements generated after this date. After reviewing the account I find that payments set up through our collection department are as follows: a payment of $65.00 was received on June 20, 2015, a payment of $100.00 was received on July 4, 2015, a payment of $65.00 was received on August 1, 2015, and a payment of $129.50 was received on August 22, 2015, the payment of $129.50 was returned from your banking institution as a stopped payment and this amount was applied back to the Avenue account. As of the date of this letter the balance on the account is $259.14 with a minimum due of $259.14 on October 22, 2015. 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 regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
I am rejecting this response because: I am STILL getting calls from your company after the date of October 27, 2017! I am now contacting the police for harassment. I do not live in [redacted]. You have the wrong [redacted]!! You would know that when you call the number that does not have that area code you are trying to reach the numerous times you are calling and harassing me. Lastly, I will be contacting a lawyer.
Regards,
[redacted]
Dear [redacted]:We received your complaint, submitted to the Revdex.com, regarding the above referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we arehere to assist you with account-related questions. Your complaint was forwarded to my attention,and I...
appreciate the opportunity to respond to your concerns.Your complaint states that due to poor customer relations, the account was restricted due to beingenrolled in a debt consolidation program. You state that this was processed due to another personliving in the same household who also has a VICTORIA’S SECRET account with Comenity Bankand, had the account numbers have been verified, this issue would not exist. Furthermore, it took45 minutes and three phone calls to find out why the account was restricted. You have since senta letter, and you are requesting we reinstate the account and compensate you with rewards cash.After a thorough review of your account, our records indicate that your VICTORIA’S SECRETaccount was noted with a cease and desist status on August 9, 2016, after the Bank received aletter from you regarding late fees and a request to cease calls. Enclosed is a copy of the letter.Please be advised, a cease and desist request will stop all future collection calls, but it will alsosuspend authorizations for new purchases on all of your accounts since we will be unable tocontact you. You will continue to receive certain legal communications as permitted by law. Yourrequest to cease and desist contact on your account may be changed at any time by contactingus again in writing at the below address:Comenity BankP.O. Box 182273Columbus, OH 43218-2273In addition, I reviewed the applicable telephone calls. Please be assured that Comenity Bankstrives to provide world-class service to its customers, and we are disappointed when this doesnot occur. We found that you were provided with incorrect information. Please be assured, yourVICTORIA’S SECRET account was never enrolled into a debt consolidation program, nor wasthe account updated with a Power of Attorney at any time. Please be assured that we have takensteps to immediately coach our associate(s) to ensure they are providing correct information toour customers.As a token of our apology, I have issued a credit of $25.00 to your account. This credit will reflecton the next one to two billing statements. Please be assured, per your written request in this complaint, I have removed the cease anddesist status from your accounts. As such, you now have charging privileges on the VICTORIA’SSECRET account.We apologize for any inconvenience this has caused and we hope you find this information to behelpful. Should you have any questions or concerns, please contact me at ###-###-####, ext.[redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]Consumer Relations Special
[redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Woman Within credit card. We are here to answer your questions and assist with your concerns. You state you received a hit on your credit bureau report from Comenity Bank, and you do not live in [redacted], nor do you have business with the Bank. You state when you contacted the Bank, they wanted your Social Security Number; however, you were told without this information the Bank would not help you and you were hung up on. You are disputing this claim of bad debt. We have reviewed our records and we are happy to share our findings. We understand your concern with providing your personal information. To ensure we protect our customer’s privacy, we will not release account information unless we can verify their identities. Unfortunately, when a customer declines to provide this verifying information, we are unable to provide detailed information regarding an account. We apologize for any frustration; however, please be assured this practice is designed to keep your personal information safe. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. A review of our records indicates that you are listed as a spousal authorized buyer on the above-referenced account. The Bank is required to reflect the participation of both spouses on an account if the accountholder’s spouse is permitted to use the account. As an authorized user of the account, we are required to report the credit card account to the credit reporting agencies. Your credit report will show you are an authorized user on the account and not contractually liable for the balance due. Because you are disputing the account, notification has been sent to the credit reporting agencies with instructions to remove the above-referenced account from your credit bureau report. Please allow up to 45 days for the credit reporting agencies to update their records. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Laura R[redacted] Compliance Dept. – Consumer Responses
Your company was contacted regarding a loan for Clear Choice dental procedure. Also,another company was also approved for the dental procedure.After two days, I had contacted Clear Choice and cancelled the procedure since it wasgoing to be so costly. After a month passed, I started receiving telephone calls from yourcompany and also the other company. I explained to both your company and the othercompany that the procedure had been cancelled and no dental work was done.The other company contacted Clear Choice and receive a refund of the money that waspaid for the dental work. Your company contacted Clear Choice and received all except athousand dollars refund. I have explained over and over to your company that the dentalprocedure was not done and no money from you was received by me personally.Clear Choice finally refunded the thousand dollars in June, 2015. But by then yourcompany had already started adding penalty and interest to the thousand dollars. Thethousand dollars was not received by me for dental work or any thing else.I have tried to explain to your company that the thousand dollars was not my debt. Sinceit has finally returned to you the penalty and interest should not continually being added.At the time in June, 2015 when the money was returned to you there was a total of about$93. Now the penalty and interest is $1,233.for money not used by me or Clear Choice.Now I am receiving collection called four and five times each day. Threats are beingmade. I have been told that this could be bad if I did not pay. Wanting to know the nameof my legal representative. It has come to the point of being harassed by your company. Itis interfering with my work.If someone in your company would actually look at the information, you can clearly seethat I do not owe this debt. I would like my account to corrected and closed. If anyadverse comments were made to any credit bureau, I would like those to also be removed.I want to make sure you have all the correct information. I did not have dental workdone. I had a free consultation with Clear Choice. Clear Choice should not havesubmitted paper work to you since I did not have the procedure done. Once you hadreceived a partial refund, and having the information that the procedure was not done, itshould have been your responsibility to ask why the remaining money was not returnedalso. The money was not received by me and was not used by me. There should be nopenalty and interest on this money since you received a refund of the total amount. But ifyou decide that it is due, it is not due from me, but Clear Choice.At no time during the FREE consultation did anyone make my kind of statement thatthere would be a charge for any examinations done that day. I had no actual dental workdone that dayClear Choice obtained the finance through your company and another company. Myemployer also uses financing for our product. However, the customer has to sign off onall the work being completed and completed to their satisfaction. I did not sign off on anywork being done.1/13/2015 $11,000 Was sent from your company to Clear ChoiceJan, 2015 $10,000 Was received back fiom Clear Choice $ 1,000 Would still be owed as a refund from Clear Choice4/24/2015 $ 1,000 Received from Clear Choice4/24/2015 $ 1. Finance charge refunded 0 That would leave a zero balance due. $ 96.28 Showing as fees and interestI have never used any of the original $11,000 for dental work. I never approved of ClearChoice submitted an invoice for work done to you. All of the original $11,000 wasreturned to you from Clear Choice. If any amount should be consider due, it would be the$96.28. However, the fees and interest should be due from Clear Choice since they arethe ones that actually received your money.Thank you for your time on this matter. Please no more telephone call and threats madeto me.SincerelyDon H[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Herberger’s credit card accounts. We are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence...
submitted to the Bank regardingthis same matter. Please find enclosed a copy of our response sent to you on March 31, 2017.Furthermore, please be advised that the Bank issued a total credit of $52.11 on May 9, 2017.Your current balance is $891.56 and you have a minimum payment of $66.00 due by June 1,2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Dear [redacted]Thank you for the recent inquiry regarding the above-noted account. Comenity Capital Bank issues Ideal Image credit accounts, and we are here to help with your account-related questions. Your correspondence, sent to the Revdex.com, was forwarded to...
my attention, and I appreciate the opportunity to respond to your concerns. I understand your concerns regarding the payment distribution to your account, and I apologize for any confusion or inconvenience this situation may have caused you. After reviewing your account, our records indicate that you made purchases that were placed on an 18 month deferred interest payment required plan, and a 24 month deferred interest payment required plan. Purchases that are placed on promotional plans, require a monthly payment for each promotional plan, and the payment remitted is distributed to each plan. If there is more than one promotional plan, the statement that is issued will reflect a total minimum payment, which would include the required minimum payment for each plan. For example, if Plan A has a required payment of $10.00, Plan B has a required payment of $10.00, and Plan C has a required payment of $20.00, then the total minimum payment required for that billing period would be $40.00 and the payment that is sent in is distributed according to the terms of the account. When you make a payment on your credit card account, your payment is applied to your total account balance, including your revolving account balance, deferred-interest promotional plan, and any other plans associated with your account. The amount applied to your revolving account and deferred-interest plan is based on your plan balance(s). When a deferred-interest plan is nearing its expiration date, and you pay more than the required minimum payment due, the additional amount is applied to the soon-to-be-expired plan. We appreciate the time you have taken to notify us of your concerns. Please be assured, we have taken your feedback into consideration and are working to make a more customer friendly process that will provide more in depth information. I hope the information I provided is 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, Diamond L[redacted]
Dear Ms. [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Bank issues Bedford Fair Apparel credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. You state in your complaint that you signed up for a promotional plan with Bedford Fair Apparel for $1.99 for the first month and $14.87 for each month thereafter. You further state that you had 30 days to cancel and, although you cancelled within three weeks, your Bedford Fair Apparel credit card account was charged $14.97 for eleven months. Additionally, although you disputed the charges and were given credit for three charges, you are stating that you feel you are due more. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please note that Bedford Fair Apparel, Old Pueblo Traders, and Comenity Bank are separate entities. The Bank issues and is responsible for addressing questions related to Bedford Fair Apparel and Old Pueblo Traders credit card accounts. Bedford Fair Apparel and Old Pueblo Traders are responsible for handling matters related to sales, merchandise processing, returns and shipping. We have reviewed your account and are happy to share our findings. The Bedford Fair Apparel VIP Plus program, and the Old Pueblo Traders VIP program are optional services that are offered through Bedford Fair Apparel and Old Pueblo Traders. Bedford Fair Apparel card holders have the ability to cross shop with Old Pueblo Traders. Both VIP programs offer a special introductory price of $1.99 for the first 30 days, and if the customer does not call to cancel the membership within the first 30 days, the membership fee of $14.97 is automatically billed to the account each month. Cancellation may be made at any time with no further obligation. Our records indicate that the above-referenced account was charged for eleven Old Pueblo Traders VIP Plus membership fees at $14.97 each. On June 17, 2015, as a result of a billing dispute the Bank received, the Old Pueblo Traders VIP Plus membership was cancelled, and credits totaling $44.91 for three monthly membership fees, and $1.99 for an introductory fee, were issued to the account. We reached out to Old Pueblo Traders, on your behalf, regarding the remaining Old Pueblo Traders VIP Plus charges. On January 22, 2016, Old Pueblo Traders issued credits totaling $121.75 for eight additional monthly membership fees, and $1.99 for the introductory fee for Old Pueblo Traders VIP Plus. These credits appeared on your monthly billing statement issued on January 24, 2016. We have enclosed a copy of this billing statement for your review. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R[redacted]
Dear [redacted]
Comenity Bank has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the EXPRESS NEXT credit cards. We are here to answer your questions and assist with your concerns.Your complaint states that the account was deleted on May 19,...
2016, and you were not able to pay online or at the store. You state that numerous cards were sent to you, but you have not received them; however, you are receiving the billing statements. You would like something from the Bank for your time and frustration spent trying to get the account fixed.Bank records indicate on June 18, 2016, the account ending in [redacted] was cancelled and transferred to a new number ending in [redacted], as you had not received the credit card. A new card was issued to the address as listed in your complaint, and we had no record of the card being returned by the post office as undeliverable. A replacement card was requested on the account ending in [redacted], and then cancelled on the same day; we apologize for this error.On December 12, 2016, the Bank was notified that you had not received the card. Therefore, the account ending in [redacted] was cancelled, and transferred to a new number ending in [redacted]; however, a new card was not requested, which is why you never received it. This account is open and valid. In order to register the account on account center, this card has to be used as it is the most current credit card number. Any other numbers that may have been used as an attempt to charge or register online would have been invalid.Due to these concerns, the Bank had opened a ticket for your account to be researched. The Bank was unable to find any issues with your current account, and there are no blocks that would restrict you from charging or registering on the Bank’s account center.In order to ensure you have the correct card, we issued a card from your current account ending in [redacted]. We confirmed the card was sent and should arrive within two weeks. Additionally, please be aware that you have an authorized buyer, [redacted] listed on the account. We have not issued a card to her at this time. If [redacted] has an old card and attempts to charge or register the account on your behalf, the card would decline and the registration would not go through. If you want the Bank to issue a card for [redacted], please contact our Customer Care team at ###-###-####, and they will be happy to assist you.Furthermore, the Bank and EXPRESS have different websites. To register the account with the Bank, please be sure you access http://comenity.net/express. Here you will be able to view your account information and make payments to the EXPRESS NEXT credit card.As a token of our apologies, we have issued a $25.00 credit to your account.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y[redacted]
Dear Mr. [redacted]: We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned accounts. Comenity Capital Bank issues ZALES THE DIAMOND STORE® credit cards, and we are here to...
help with all account-related questions. Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you have been receiving repeated telephone calls regarding your accounts starting at 8:00am, and you are requesting that we reduce the number of calls to maybe one or two calls a day. We apologize for any frustration this matter may have caused you. Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempts to communicate are successful. You may send us a written request to cease and desist all contact to collect on your account(s). This written request would stop all future collection phone calls. Your request to cease and desist contact on your account(s) may be changed at any time by contacting us again in writing. If you wish to have this status added to your account(s), please write the Bank at the below address: Comenity Capital Bank P.O. Box 183003 Columbus, OH 43218-3003 Bank records indicate your ZALES THE DIAMOND STORE® credit card account ending in 2910 is three billing periods past due. Please note, should an account exceed six consecutive billing periods past due, the account would be permanently closed and written off, due to non-payment, and reported to the national credit reporting agencies as an unpaid debt. The last payment of $38.00, posted to the ZALES THE DIAMOND STORE® account on March 29, 2016. Currently, a minimum payment of $45.00 is due by May 20, 2016, this payment will bring your account current and collection efforts will cease. Bank records indicate your ZALES THE DIAMOND STORE® credit card account ending in 5074 has received a payment of $40.00 on May 4, 2016. This payment has brought the account current and you should not receive any additional telephone calls regarding this account. 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 ###-###-####. We hope that you find this information helpful. Should you have any other 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, Ashley H[redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the J.Crew credit cards. We are here to answer your questions and assist with your concerns.We understand from your correspondence that you purchase merchandise and...
returned it four days later, however the same purchase stated on your statement. Additionally, you state that you disputed this charge and have not heard nor received any correspondence from the Bank regarding this matter. You also state that you spoke to the Bank and the representative spoke over you, and harassed you over the phone regarding the payment. You are requesting that the fees are removed from your account and your credit file updated to remove the delinquencies from your credit file.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met.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 February 22, 2017, with statements enclosed.After a thorough review of the account, our records indicate that the balance is valid and the Bank is unwilling to remove the fees that were assessed to the account. Please refer to the billing statements enclosed in the previous letter for your records.As of the date of this letter, the balance on the account is $354.43 with a minimum due payment of $61.00 which was due on February 28, 2017.We have verified we are reporting the account correctly to the credit-reporting agencies. We are required by law to report factual information. 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, Renee S[redacted]
The company is crooked after I file this complaint about the money I owe from this business, they sent information to third party collection agency. I tried to explain to you all this company was not right in formation. Thank you
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions andassist with your concerns.We understand from your correspondence that you sent a...
payment in the amount of $27.00 that was notposted to your account causing you to receive a late fee. When you contacted our Customer Servicedepartment you state that the representative was not friendly, did not want to hear your concerns, andsuggested you close your account; which you did. Furthermore, you are requesting a refund in the amountof $15.00.Please be advised, your payments are due by the 16th of each month. If a payment is received after thedue date, or for less than the requested minimum amount due, a late fee and finance charges may beassessed to the account, pursuant of the terms and conditions of the Credit Card AgreementBank records indicate a $27.00 minimum payment was due on February 16, 2017. There was a $32.00payment posted to the account on February 25, 2017. As this payment was received after the due date, alate fee and finance charge were assessed to the account.On February 25, 2017, credits totaling $13.44 were issued to your Victoria’s Secret Angel account as aone-time courtesy.Comenity Bank is committed to providing the best customer service and we are disappointed when thatstandard is not met. Your opinion of our service is important to us, and we appreciate the time you spent innotifying us of your concerns. We have reviewed the concerns in your correspondence as well as theapplicable telephone conversations. We apologize if you felt you did not receive the best customer service.We never intend 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.Please be assured that we have issued an additional credit to your account for the remaining balance,which resulted in a zero balance The account was closed on February 25, 2017, as you requested.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,Rosa M[redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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,
[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your account-related questions. Your complaint was forwarded to my attention for review, and I...
appreciate the opportunity to assist you.Your complaint states that you last purchased on the card in September 2006, and you paid an agreed upon amount in 2012 to settle the balance. You also state that your account was reopened with the original balance, less the agreed paid amount, and then the account was sent to collections. You have requested the account be closed and the collection attempts to stop, as you do not owe the debt.Bank records indicate that the last purchase of $301.11 was made on September 13, 2006. The last payment of $55.00 was received on September 14, 2012. As no further payments were received, the account was closed and written off on May 9, 2013, with an unpaid balance of $381.02.We have no record of an agreed settlement and the account reflects that we were unable to collect the debt. As such, the account was transferred to Portfolio Recovery on June 18, 2014. In order for Comenity Bank to recall this debt, we would need a copy of the settlement confirmation letter you mention in your complaint. This can be sent to the address noted above, or you may fax to my attention to ###-###-####. Once received, we would update our records. Otherwise, you would need to contact Portfolio Recovery, toll free, at ###-###-####.We hope this information is helpful. Should you have further questions or concerns, please contact Portfolio Recovery at the number provided.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues Zales credit cards. We are here to answer your questions and assist with your concerns. We understand from your...
complaint that the website for Zales online bill pay has caused you to be assessed multiple late fees. You state that you have multiple accounts with Comenity Bank and you don’t have any issues on any of the other websites to pay your bill. You also state that you were told to take a screen shot every time you pay your bill, so that you have evidence that you logged on before your due date. You are requesting to have all of the late fees credited to your account. In addition you state that you received rude treatment while speaking with the Bank. We apologize for the inconvenience this matter may have caused you. Bank records indicate that your October 2016 billing statement was issued with a minimum payment of $67.00 due by November 13, 2016. As no payment was received by the due date, a late fee of $27.00 was assessed to your account. Records indicate that you logged on to Account Center on October 14th; however, no payment was scheduled. On November 17, 2016, you logged on to Account Center and scheduled a payment of $150.00 for the same day. The November 2016 billing statement was issued with a minimum payment of $71.00 due by December 13, 2016. Records indicate that you logged on to Account Center on December 1, 2016, and scheduled a payment of $250.00 for December 13, 2016. As you payment was applied to your account on the due date, no late fee was assessed. The December 2016 billing statement was issued with a minimum payment of $60.00 due January 13, 2017. As no payment was received by the due date a late fee of $37.00 was assessed to your account. Records indicate that you logged on to Account Center on January 17, 2017, however, no payment was scheduled. On January 18, 2017, you logged on to Account Center and scheduled a payment of $100.00 for the same day. The January 2017 billing statement was issued with a minimum payment of $63.00 due February 13, 2017. As no payment was received by the due date, a late fee of $37.00 was assessed to your account. Records indicate that you logged on to Account Center on February 16, 2017, and scheduled a payment of $150.00 for the same day. Please be advised, your payments are due by the thirteenth of each month. If a payment is received after the due date, or for less than the requested minimum amount due, a late fee and finance charges may be assessed to the account, pursuant of the terms and conditions of the Credit Card Agreement. The Bank is willing to remove one late fee in an eighteen month time period, as a courtesy. Our records indicate that a late fee credit in the amount of $27.00 was issued to your account on January 18, 2017. Unfortunately, the bank is unwilling to make any additional adjustments to your account for the previously assessed late fees. We have reviewed the applicable telephone conversation. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Please be advised that you may have been asked to take screenshots each time you logged in to make a payment before your due date; because the Bank may have required supporting documentation to be supplied in order to fully investigate your claim. 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, Ashley H[redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID 11986303, and find the resolution is...
satisfactory to me to an extent. While the business refunded the late fee, they are still charging me interest on the late fee, which is absurd, but to in order to move on and not squabble over $.11, I will drop it. Additionally, as of yet, I have NOT received a paper bill in the mail, and I understand my payment is due next week. THIS has been my main complaint from the get-go, as this bank is STILL not mailing me my statements!
Regards,
Marisa C[redacted]
Dear Ms. [redacted]Thank you for your complaint regarding the accounts noted above. Comenity Bank issuesdressbarn and Victoria's SecretPlNK credit cards, and we are here to help with your accountrelatedquestions and concerns. Your complaint, addressed to the Revdex.com, wasforwarded to my...
attention and I appreciate the opportunity to assist you.I understand from your complaint, on July 17, 2015, your online payments for both yourdressbarn and Victoria's SecretPlNK credit card accounts were returned because you remittedpayment from a closed checking account in error. You immediately contacted Comenity Bankto address and resolve this matter. You state that you spoke with our representative whoreassured you the fees resulting from the returned payments would be reversed.On August 12, 2015, you called and encountered a customer service representative who youfelt was rude. In addition, the customer service representative advised that Comenity Bank isunable to restore your credit limit unless you answer the phone whenever we call within the nextseven to ten days.Furthermore, on August 12, 2015, you received notification that two accounts had been closed,which negatively impacted and decreased your credit score by 20 points. Lastly, on August 25,2015, you received correspondence from Comenity Bank advising of a request for a credit limitincrease of which you did not request.You are requesting correction to your credit bureau report, and restoration of your dressbarnand Victoria's SecretPlNK credit cards.We apologize for the inconvenience and frustration that this matter may have caused you.Please be advised, the Bank has reviewed the issues in your complaint, as well as theapplicable phone conversation. We apologize if you felt that you did not receive the bestcustomer service. It is never the Bank's intention to treat our customers in a tess-thansatisfactorymanner. Comenity Bank is committed to providing the best customer service and isdisappointed when a customer feels that this standard was not met.While reviewing the telephone call, we found that our representative explained that the accountswere not closed; however, due to the returned payments, the credit limit on the accounts hadbeen reduced to zero. In the interest of customer service, our representative attempted toreinstate the credit limits but was unable. This was the reason you received our correspondencestating we were unable to increase your credit limit. Our representative explained that becauseof information on your credit report, we would have to contact you at the number you providedon your credit report to reinstate the accounts. Please be aware that this was due to the fraudalert you have placed on your credit report. To protect our customers, and ensure we arespeaking to the correct party, we will contact the customer at the number they have provided ontheir fraud alert. Our representative explained that someone would be calling you within thenext 7-10 days and advised you to answer the call so we could resolve this matter for you.In the interest of customer service, please be assured, your dressbarn credit limit has beenrestored to $750.00 and has available credit of $569.00. Your Victoria's SecretlPlNK credit limithas been restored to $2,550.00 and has available credit of $1,905.00.The Bank completed a thorough review of your credit bureau report with the credit reportingagencies. Per our review, we can confirm that Comenity Bank has not reported your dressbarnnor your Victoria's SecretPlNK credit card accounts as closed. Additionally, both accounts areagain reporting the credit limits as stated above.I hope you find this information to be helpful. Should you have additional questions or concernsabout this matter, please contact me at ###-###-####, ext. [redacted] (TDDTTTY ###-###-####I would be happy to assist you.Sincerely, Geanine M[redacted]
you did not satisfy either of my requests. I asked Comenity Bank to remove all accounts from my credit report. It has been over two months since I submitted the Statement of Fraud and Forgery. Comenity Bank is causing financial harm to my credit. You said the investigation is underway. I am very happy that an investigation is underway and I hope Comenity Bank takes all the time necessary to investigate and find the identity thief. However, I demand that my credit be corrected immediately. As I have said above, two months is excessive for my credit to be impacted as a result of Comenity Bank's negligence. You also said, to receive a copy of the application, the Bank would need the following:Valid Identification of the victim (Customer Name)A copy of the filed police report, including a report number and contact information that may be used to confirm the filing of the report, if necessary.A signed affidavit attesting to the validity of the identity theft claim.You have already stipulated that Comenity Bank has received the Statement of Fraud and Forgery from me. In that statement, there is valid identification of the victim, ME. There is also a copy of the filed police report, including a report number and contact information that may be used to confirm the filing of the report. There is even a signed affidavit attesting to the validity of the identity theft claim. In addition to that information that you have already stipulated that I have provided, I have also sent Comenity Bank an express request on October 8, 2015, signed under the penalty of perjury, identifying myself. In that request, I expressly ask for all business records and applications used in my name. As this request is required by federal law to be fulfilled NO LATER THAN 30 DAYS. 15 USC 1681g(e). Comenity Bank has ignored that request. Today, I am making another written request based on your instructions. This time, I spent approximately $4 on tracking and a signed verification of receipt from Comenity Bank. You say you apologize for the inconvenience and frustration that this has caused me then you suggest that I get a subpoena. Your company has put fraudulent records on my credit report, your company has ignored my written correspondences, your company has disregarded federal law and suggested that I need to seek litigation in order for me to enforce my rights. I reject your offer, Kaija M[redacted]. Outside of an empty apology, you have done nothing for me. If you have any questions or concerns regarding any of the above, call me at ###-###-#### or email me anytime at [redacted] Regards, [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 have an Avenue account and you were contacted by Comenity Bank’s collection department for payment. At that time you set up payments to be debited from your grandmother’s personal bank account. You also state that you requested statements from the collection representative, that shows the starting balance, and how much is owed after payments. I am happy to share my findings with you. Your Avenue account was opened on July 8, 2013; 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 $13.49 was made on November 19, 2013, and your last payment of $129.50 was received on August 21, 2015. Your account was written off on May 22, 2015, with an unpaid balance of $489.14. Please be advised, that I have enclosed statements for the months of July 2013 through April 2015. When an account is written off there are no statements issued after the write-off date. Due to the write-off date on the account being May 2015 there would be no statements generated after this date. After reviewing the account I find that payments set up through our collection department are as follows: a payment of $65.00 was received on June 20, 2015, a payment of $100.00 was received on July 4, 2015, a payment of $65.00 was received on August 1, 2015, and a payment of $129.50 was received on August 22, 2015, the payment of $129.50 was returned from your banking institution as a stopped payment and this amount was applied back to the Avenue account. As of the date of this letter the balance on the account is $259.14 with a minimum due of $259.14 on October 22, 2015. 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 regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
I am rejecting this response because: I am STILL getting calls from your company after the date of October 27, 2017! I am now contacting the police for harassment. I do not live in [redacted]. You have the wrong [redacted]!! You would know that when you call the number that does not have that area code you are trying to reach the numerous times you are calling and harassing me. Lastly, I will be contacting a lawyer.
Regards,
[redacted]
Dear [redacted]:We received your complaint, submitted to the Revdex.com, regarding the above referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we arehere to assist you with account-related questions. Your complaint was forwarded to my attention,and I...
appreciate the opportunity to respond to your concerns.Your complaint states that due to poor customer relations, the account was restricted due to beingenrolled in a debt consolidation program. You state that this was processed due to another personliving in the same household who also has a VICTORIA’S SECRET account with Comenity Bankand, had the account numbers have been verified, this issue would not exist. Furthermore, it took45 minutes and three phone calls to find out why the account was restricted. You have since senta letter, and you are requesting we reinstate the account and compensate you with rewards cash.After a thorough review of your account, our records indicate that your VICTORIA’S SECRETaccount was noted with a cease and desist status on August 9, 2016, after the Bank received aletter from you regarding late fees and a request to cease calls. Enclosed is a copy of the letter.Please be advised, a cease and desist request will stop all future collection calls, but it will alsosuspend authorizations for new purchases on all of your accounts since we will be unable tocontact you. You will continue to receive certain legal communications as permitted by law. Yourrequest to cease and desist contact on your account may be changed at any time by contactingus again in writing at the below address:Comenity BankP.O. Box 182273Columbus, OH 43218-2273In addition, I reviewed the applicable telephone calls. Please be assured that Comenity Bankstrives to provide world-class service to its customers, and we are disappointed when this doesnot occur. We found that you were provided with incorrect information. Please be assured, yourVICTORIA’S SECRET account was never enrolled into a debt consolidation program, nor wasthe account updated with a Power of Attorney at any time. Please be assured that we have takensteps to immediately coach our associate(s) to ensure they are providing correct information toour customers.As a token of our apology, I have issued a credit of $25.00 to your account. This credit will reflecton the next one to two billing statements. Please be assured, per your written request in this complaint, I have removed the cease anddesist status from your accounts. As such, you now have charging privileges on the VICTORIA’SSECRET account.We apologize for any inconvenience this has caused and we hope you find this information to behelpful. Should you have any questions or concerns, please contact me at ###-###-####, ext.[redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]Consumer Relations Special
Dear [redacted]...
[redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Woman Within credit card. We are here to answer your questions and assist with your concerns. You state you received a hit on your credit bureau report from Comenity Bank, and you do not live in [redacted], nor do you have business with the Bank. You state when you contacted the Bank, they wanted your Social Security Number; however, you were told without this information the Bank would not help you and you were hung up on. You are disputing this claim of bad debt. We have reviewed our records and we are happy to share our findings. We understand your concern with providing your personal information. To ensure we protect our customer’s privacy, we will not release account information unless we can verify their identities. Unfortunately, when a customer declines to provide this verifying information, we are unable to provide detailed information regarding an account. We apologize for any frustration; however, please be assured this practice is designed to keep your personal information safe. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. A review of our records indicates that you are listed as a spousal authorized buyer on the above-referenced account. The Bank is required to reflect the participation of both spouses on an account if the accountholder’s spouse is permitted to use the account. As an authorized user of the account, we are required to report the credit card account to the credit reporting agencies. Your credit report will show you are an authorized user on the account and not contractually liable for the balance due. Because you are disputing the account, notification has been sent to the credit reporting agencies with instructions to remove the above-referenced account from your credit bureau report. Please allow up to 45 days for the credit reporting agencies to update their records. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Laura R[redacted] Compliance Dept. – Consumer Responses
Your company was contacted regarding a loan for Clear Choice dental procedure. Also,another company was also approved for the dental procedure.After two days, I had contacted Clear Choice and cancelled the procedure since it wasgoing to be so costly. After a month passed, I started receiving telephone calls from yourcompany and also the other company. I explained to both your company and the othercompany that the procedure had been cancelled and no dental work was done.The other company contacted Clear Choice and receive a refund of the money that waspaid for the dental work. Your company contacted Clear Choice and received all except athousand dollars refund. I have explained over and over to your company that the dentalprocedure was not done and no money from you was received by me personally.Clear Choice finally refunded the thousand dollars in June, 2015. But by then yourcompany had already started adding penalty and interest to the thousand dollars. Thethousand dollars was not received by me for dental work or any thing else.I have tried to explain to your company that the thousand dollars was not my debt. Sinceit has finally returned to you the penalty and interest should not continually being added.At the time in June, 2015 when the money was returned to you there was a total of about$93. Now the penalty and interest is $1,233.for money not used by me or Clear Choice.Now I am receiving collection called four and five times each day. Threats are beingmade. I have been told that this could be bad if I did not pay. Wanting to know the nameof my legal representative. It has come to the point of being harassed by your company. Itis interfering with my work.If someone in your company would actually look at the information, you can clearly seethat I do not owe this debt. I would like my account to corrected and closed. If anyadverse comments were made to any credit bureau, I would like those to also be removed.I want to make sure you have all the correct information. I did not have dental workdone. I had a free consultation with Clear Choice. Clear Choice should not havesubmitted paper work to you since I did not have the procedure done. Once you hadreceived a partial refund, and having the information that the procedure was not done, itshould have been your responsibility to ask why the remaining money was not returnedalso. The money was not received by me and was not used by me. There should be nopenalty and interest on this money since you received a refund of the total amount. But ifyou decide that it is due, it is not due from me, but Clear Choice.At no time during the FREE consultation did anyone make my kind of statement thatthere would be a charge for any examinations done that day. I had no actual dental workdone that dayClear Choice obtained the finance through your company and another company. Myemployer also uses financing for our product. However, the customer has to sign off onall the work being completed and completed to their satisfaction. I did not sign off on anywork being done.1/13/2015 $11,000 Was sent from your company to Clear ChoiceJan, 2015 $10,000 Was received back fiom Clear Choice $ 1,000 Would still be owed as a refund from Clear Choice4/24/2015 $ 1,000 Received from Clear Choice4/24/2015 $ 1. Finance charge refunded 0 That would leave a zero balance due. $ 96.28 Showing as fees and interestI have never used any of the original $11,000 for dental work. I never approved of ClearChoice submitted an invoice for work done to you. All of the original $11,000 wasreturned to you from Clear Choice. If any amount should be consider due, it would be the$96.28. However, the fees and interest should be due from Clear Choice since they arethe ones that actually received your money.Thank you for your time on this matter. Please no more telephone call and threats madeto me.SincerelyDon H[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Herberger’s credit card accounts. We are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence...
submitted to the Bank regardingthis same matter. Please find enclosed a copy of our response sent to you on March 31, 2017.Furthermore, please be advised that the Bank issued a total credit of $52.11 on May 9, 2017.Your current balance is $891.56 and you have a minimum payment of $66.00 due by June 1,2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]