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 [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]
[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 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
[redacted]I am 76+ years old & my wife is 75 yrs the phone rings 3 times and there are no one on the phone. Enclosed list of phone calls for Monday 9-28-15 till Oct. 11, 2015. Did you write a letter stating who you trying to reach.Thank you,
William Harris
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 11991031
I am rejecting this response because:I believe I should have been credited the amount I requested. I will be sure to inform my friends and family about this bank and I wish [redacted] had never switched providers. I strongly dislike comenitg bank and their business practices along with their customer service.
Regards,
[redacted]
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]. Lending club solutions already resolved the issue.
Regards, [redacted]
I never got the statements letting me know when my zero interest was going to end. I had I tensions of paying of my entire balance early this month when I was charged 350.00 in interest. I am a disabled combat veteran and can't afford to pay the interest charges. I want to pay the principle and close the account.
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
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 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]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. Thank you so much for your assistance in this matter. This is my first experience with Revdex.com and it has been very satisfactory!!
Regards, [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]
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-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]
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've paid what was purchased when I was approved for the Visa card. I also have paid the interest. Obviously this has been a mess from the get go. I will be signing a land purchase loan tomorrow with Eagle Valley Bank. They questioned the mark you have put on my credit report. They are not a bit concerned with it as I have never been late on a payment with them. They actually thought it was bad business on your part to pursue late fees. Anyhow I have no plans to pay any late fees. As for the BBE, can you please ask Comendity to quit calling every day, all times of the day/evening and on Sunday also.
Regards, [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]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. ComenityBank issues the RH credit card. We are here to answer your questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, that an account...
was openedat the outlet store and the purchase was put on a 24 month lower interest rate of .99%. You state that whilelooking online you found the same couch for the same price; so you canceled the outlet store purchase andpurchased the couch online under the same promotional plan. You received a statement that had a payment dueover $700.00. You contacted the Bank and were advised that the purchase was added to the incorrectpromotional plan and to disregard the statement. You later received another statement with a payment of over$700.00. You called the Bank again and spent an hour on hold while being transferred to different people. Youhave called additional times with no resolution. You are requesting this matter be resolved and the purchase puton the correct promotional plan 791 24 month lower interest of .99%.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. Weapologize if you felt you did not receive the best customer service. We never intend to treat our customers in aless-than-satisfactory manner. We are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not met.It was a pleasure speaking with you and your husband today. As your husband advised that I could speak to youregarding this matter. During our conversation I advised that the purchase of $3,588.01 has been transferred tothe correct Promotional Plan with the 24 month lower interest rate of .99%.Additionally, please be advised that a credit of $25.00 was issued for the late fee assessed to the account, anda credit of $25.00 has been issued to the account for the inconvenience you went through, this credit will bededucted from the balance on the account.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses
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 [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]
[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 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
[redacted]I am 76+ years old & my wife is 75 yrs the phone rings 3 times and there are no one on the phone. Enclosed list of phone calls for Monday 9-28-15 till Oct. 11, 2015. Did you write a letter stating who you trying to reach.Thank you,
William Harris
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 11991031
I am rejecting this response because:I believe I should have been credited the amount I requested. I will be sure to inform my friends and family about this bank and I wish [redacted] had never switched providers. I strongly dislike comenitg bank and their business practices along with their customer service.
Regards,
[redacted]
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]. Lending club solutions already resolved the issue.
Regards, [redacted]
I never got the statements letting me know when my zero interest was going to end. I had I tensions of paying of my entire balance early this month when I was charged 350.00 in interest. I am a disabled combat veteran and can't afford to pay the interest charges. I want to pay the principle and close the account.
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
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 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]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. Thank you so much for your assistance in this matter. This is my first experience with Revdex.com and it has been very satisfactory!!
Regards, [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]
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-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]
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've paid what was purchased when I was approved for the Visa card. I also have paid the interest. Obviously this has been a mess from the get go. I will be signing a land purchase loan tomorrow with Eagle Valley Bank. They questioned the mark you have put on my credit report. They are not a bit concerned with it as I have never been late on a payment with them. They actually thought it was bad business on your part to pursue late fees. Anyhow I have no plans to pay any late fees. As for the BBE, can you please ask Comendity to quit calling every day, all times of the day/evening and on Sunday also.
Regards, [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]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. ComenityBank issues the RH credit card. We are here to answer your questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, that an account...
was openedat the outlet store and the purchase was put on a 24 month lower interest rate of .99%. You state that whilelooking online you found the same couch for the same price; so you canceled the outlet store purchase andpurchased the couch online under the same promotional plan. You received a statement that had a payment dueover $700.00. You contacted the Bank and were advised that the purchase was added to the incorrectpromotional plan and to disregard the statement. You later received another statement with a payment of over$700.00. You called the Bank again and spent an hour on hold while being transferred to different people. Youhave called additional times with no resolution. You are requesting this matter be resolved and the purchase puton the correct promotional plan 791 24 month lower interest of .99%.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. Weapologize if you felt you did not receive the best customer service. We never intend to treat our customers in aless-than-satisfactory manner. We are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not met.It was a pleasure speaking with you and your husband today. As your husband advised that I could speak to youregarding this matter. During our conversation I advised that the purchase of $3,588.01 has been transferred tothe correct Promotional Plan with the 24 month lower interest rate of .99%.Additionally, please be advised that a credit of $25.00 was issued for the late fee assessed to the account, anda credit of $25.00 has been issued to the account for the inconvenience you went through, this credit will bededucted from the balance on the account.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses