Dear Mr. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Comenity Bank issues Meijer credit card accounts and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate...
thisopportunity to assist you.Your complaint indicates that you submitted a payment in the amount of $573.19 on July 7,2015, and this payment never posted to your Meijer credit card account. You further indicatethat you have submitted ail the documentation that has been requested and still the paymenthas not posted to your account. We apologize for any inconvenience or misunderstanding youmay have experienced regarding this matter.Bank records indicate a response was mailed to you on August 20, 2015, requesting additionalinformation to locate your payment. I have attached a copy of this letter for your records.Please refer to the letter and provide the appropriate information in order to locate yourpayment.We hope you find thjs information to be helpful. If you have any additional questions orconcerns, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY #########).Sincerely,Rosa M[redacted]
Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband 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 ordered one pair of shoes (slippers) and three pairs of support socks. You further state that although you returned these items back in November, you continue to receive bills. You do not know why you are being charged for items which you have returned, and you have been receiving calls from the Bank. We sincerely apologize for any inconvenience or frustration this matter may have caused you. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to your credit card account, while Haband is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling. When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded. Additionally, if you use the provided label for the return, your account is billed $9.99 for the cost of the return shipping. In the interest of customer service, we have issued credits totaling $169.49 to remove the late fees, finance charges, and shipping and handling charges from the account. Your account balance, as of today’s date is zero. Please be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Haband account, from your credit bureau report. Please allow the credit-reporting agencies 45 days to update their records. We hope you find this information helpful. If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext. 7293135 (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R[redacted] Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answeryour questions and assist with your concerns.We previously received and responded to your correspondence, submitted to the...
ConsumerFinancial Protection Bureau, regarding this same matter. Please find enclosed copies of ourresponses dated June 23, 2017, and July 12, 2017.This letter is for informational purposes to respond to your correspondence and is not an attemptto collect on this balance.As previously stated in the correspondence sent to you dated June 23, 2017, the account is nolonger owned by the Bank, and you will not receive collection efforts from us. For any furtherquestions or concerns, you would need to contact Jefferson Capital directly at ###-###-####.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 LongCompliance Dept. – Consumer Responses
[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: 11721477
I am rejecting this response because the balance transfer in the amount of -290.12 which was transferred to the account number [redacted] should be -290.12 not a charge of 290.12 and therefore it should not be treated as an amount I owe but as a credit in my behalf . This is simple math. It was not credited to my account on the transfer.
Regards,[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]
(Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Haband credit card. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, a paymentof $219.29 was to be returned to your debit card. As of today, the funds have not been returnedto your debit card. You obtained a letter from your bank confirming the money has not beenreturned to your account and you forwarded this letter to the Bank. You are requesting the moneybe refunded back to your debit card.After a thorough review of the account, our records indicate that on May 14, 2015, a refund of$219.29 was submitted to be credited to your [redacted] debit card. Additionally, the Bank hasconfirmation from [redacted] that the refund was completed on May 21, 2015.Please contact [redacted] at the telephone number located on the back of your credit card toreview where this refund was applied.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Good Day!Please forgive my delayed response. I have not been feeling well. I am satisfied with the business’ response. A full credit was applied to my account on 10/14/2016. Thank you very much for your assistance with this matter. I am extremely appreciative.Best regards, [redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bankissues the Carson’s credit card. We are here to answer your questions and assist with your concerns.We understand from your correspondence that you placed an online order December 20, 2016, in the amount of$223.37, but the merchandise was never delivered.Please be advised Comenity Bank and Carson’s are two separate entities. Comenity Bank is responsible foraddressing questions related to the Carson’s credit card accounts, while Carson’s is responsible for handlingmatters related to sales, merchandise processing, returns, shipping, and merchandise quality.We previously received and responded to your concerns through our Dispute Department regarding this samematter. Please find enclosed, copies of our previous responses sent to you on February 16, 2017, and April 10,2017.After a thorough investigation, Bank records indicate on December 20, 2016, an online mail order for $223.37billed to your account. Please find enclosed a copy of the FedEx Tracking provided by Carson’s, confirming themerchandise was delivered on December 22, 2016, at 7:45 pm. Because Carson’s was able to provide proof thatthe item was delivered by FedEx, the charge is considered valid. We have disputed the transaction on youraccount, however Carson’s is not responsible for stolen merchandise. For further assistance with your concern,please contact FedEx directly at ###-###-#### to file a dispute. You may also want to contact your personalinsurance company to see if you can file a claim for the stolen merchandise.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Shelley A[redacted]
Comenity Bank (Bank) has received your correspondence regarding the...
above-referenced account. Comenity Bank issues the Catherines and Avenue credit cards. We are here to answer your questions and assist with your concerns. You state in your complaint that you have tried at least six times to resolve the matter. You state that the representatives are rude and you have been hung up on. You also state that there are a lot of threats and calls to your job. You have received several letters offering help; however, no one wants to help you. You further state that your balance is increasing, and you would like to resolve this matter. 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. Please be assured, there is no indication that you were hung up on. I have reviewed the concerns noted in your correspondence and would like to provide you with the following information. Bank records indicate that you spoke with the Bank on May 20, 2017, and were advised of the 12-Month Customer Hardship Program, which provides customers with special terms in order to bring and keep the account current. You enrolled the above-referenced accounts into our Hardship Program, and made $20.00 payments for both accounts. On May 23, 2017, the representative who assisted you on May 20, 2017, contacted you and left a voicemail regarding an error with the enrollment process and requested that you contact the Bank to correct this matter. However, when you contacted the Bank on May 23, 2017, another representative incorrectly confirmed the accounts were enrolled in the program, but they were not. We apologize for the misinformation that was provided. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. Bank records indicate that the phone number listed as valid on the account is a cell number, not a work number. If you are receiving calls to an unauthorized phone number, please contact the Bank to request the phone number be removed. Please keep in mind, when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Since the account is not currently enrolled in a program, and no further payments have been made since May, Bank fees have been assessed, which increased the account balance. For assistance with enrolling the accounts into the Hardship Program, please contact Alesha at ###-###-#### or Michella at ###-###-####. One of these associates would be glad to assist you in completing the Hardship Program enrollment. �...⇄ ...⇄ 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, Kaija M[redacted] Kaija M[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the KingSize 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 you placed an order by phone. You state that after you gave customer service your order the call ended and you did not authorize this purchase to be added to your KingSize account. A week later you received two shirts with a bill of $49.98. At that time you exchanged one of the shirts and submitted a check of $24.99 for the shirt that was kept. After receiving the exchange, you mailed another check of $24.99. You received a statement with a late fee of $25.49 and a finance charge of $1.51. You are requesting a refund of these fees. Please note Comenity Bank and KingSize are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. KingSize is responsible for handling matters related to sales, merchandise processing, returns and shipping. After reviewing our records, we found the KingSize account was opened on December 19, 2013. We contacted KingSize on your behalf and the call was reviewed regarding the order placed on December 14, 2016, and we obtained confirmation that authorization was given to have the purchase placed on the account. After a thorough review of the account, our records indicate that on December 14, 2016, an order was placed for two Flnshrt’s in the amount of $59.97. On December 18, 2016, a credit of $9.99 posted to the account for shipping and handling. On January 2, 2017, a statement was issued with a balance of $49.98 and a minimum payment of $20.00 due on January 28, 2017. A payment of $24.99 was received on January 14, 2017, thank you for this payment On February 2, 2017, a statement was issued with a balance of $24.99 and a minimum payment of $20.00 due on February 28, 2017. As no payment was received by the due date a late fee of $20.00, and a finance charge of $2.00 was assessed to the account. On March 2, 2017, a statement was issued with a balance of $46.99 and a minimum payment of $25.00 due March 28, 2017. As no payment was received by the due date a late fee of $25.00 was assessed to the account. On March 10, 2017, a courtesy we issued credits totaling $21.51 for the late fee and finance charge previously assessed to the account. On April 2, 2017, a statement was issued with a balance of $46.99 and a minimum payment of $20.00 due on April 28, 2017. A payment of $25.49 was received on April, 21, 2017, thank you for this payment. As of the date of this letter, the account has a zero balance. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. As the Bank finds that previous fee credits of $21.51 were applied to your account, we are unwilling to credit another late fee, as this fee is valid. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at [redacted]. Sincerely, Renee S[redacted] Renee S[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]:We received your complaint, submitted to the Revdex.com, regarding the above-notedaccount. Comenity Bank issues your VICTORIA’S SECRET credit card account, and we are hereto help answer all account-related questions. Your complaint was forwarded to my attention,...
andI appreciate this opportunity to assist you.Your complaint states that although we closed your account, we are charging interest on the debtowed. You have requested the Bank to zero out the debt owed.Please find a summary of your account below. I have enclosed a copy of the account Credit CardAgreement (CCA), as well as copies of the monthly billing statements which show the accountactivity that comprised the account balance and delinquencies which are reporting to the creditbureaus.Bank records indicate the VICTORIA’S SECRET account was opened on April 15, 2015; use ofthe account, or failure to close the account within 30-days of receiving the CCA indicatesacceptance of the terms of the agreement, including the assessment of any finance charges andfees. The last purchase of $67.51 posted to your VICTORIA’S SECRET account on May 25,2015, and the last payment of $50.00 posted to the account on July 9, 2015. As of the date ofthis letter, your account has a balance of $692.02, with a minimum payment of $175.00 due byOctober 1, 2016. Your account is currently six billing periods past due. Should your accountexceed six consecutive billing periods past due, your account will be charged off for non-paymentand reported to the national credit-reporting agencies as an unpaid debt.We understand customers may experience difficulty making their payments due to economicfactors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or ourCustomer Long-Term Workout Program. These programs can provide customers with specialterms in order to help bring the account current. If you are interested in obtaining information onwhether you qualify for one of these programs, please call ###-###-####.Also, customers who are experienceing financial diffuculties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS), organization for assistance. Their programs canprovide options such as reducing the interest rate and the minimum payment requirements, andcould include all of your creditors. Comenity Bank supports and participates in the programsprovided by CCCS agencies. Should you wish to obtain information regrding their programs andfor a member agency located near you, please contact the National Foundation for CreditCounceling at ###-###-####.Please be advised that Comenity Bank finds the balance to be valid; therefore, we are unwillingto zero the balance.Furthermore, the address you provided in your complaint is different than the address we havelisted on your account. If this information needs to be changed to reflect the address noted above,please contact me.We hope this information is helpful. If you have any further questions or concerns, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted] We received your complaint regarding the above-referenced credit card account. Comenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questions. Your complaint, addressed to the Revdex.com, was...
forwarded to my attention, and I appreciate the opportunity to respond to your concerns. In your complaint, you state that you have received several harassing phone calls after you had already made a payment on your account. You further state that the representative was very rude and threatening. Please except our deepest apology as Comenity Bank does not condone that a customer be treated with disrespect at any time. We strive to provide each of our customers with an excellent customer service experience and we apologize that you received less than that when you contacted us. We attempted to locate the account in question; however, we are unable to locate the account with the information you have provided. To better assist you, we need additional information to locate the account(s) in question. Please provide the following: ? Complete Comenity Bank Account Number ? Any Previous Names of Accountholder ? Any Previous Addresses ? Home Telephone Number ? Social security number This information can be mailed to the address listed above, or faxed to my attention at [redacted]
I hope you find this information to be helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted]). I would be happy to assist you. Sincerely, Jenny W[redacted] Consumer Relations Specialist
Dear [redacted]Comenity Bank (Bank) has received your additional correspondence regarding the abovereferencedaccount. Comenity Bank issues the Trek credit card. We are here to answer yourquestions and assist with your concerns.I understand from your additional correspondence that you previously submitted a complaint towhich the Bank responded and advised we needed time to investigate. However, you neverreceived any further communication from the Bank. Now you are unable to obtain a loan at thelowest rate due to the information the Bank is reporting to your credit bureau report.I apologize for any inconvenience or frustration this matter may have caused you.Please be assured our fraud investigation was completed and we determined you were notresponsible for the account. On April 24, 2017, the Bank submitted a request to the credit reportingagencies for the Trek credit card account to be deleted from your credit bureau report. When thisrequest is made it may take up to 45 business days to be completed. In the meantime, pleaseuse this letter as confirmation the account is being deleted from your credit report.We apologize you did not receive our previous letter confirming you were not responsible for theaccount.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W[redacted]
We received your complaint, submitted to theRevdex.com, regarding the above- noted account. Comenity Bank issues [redacted]credit cards, and we are here to help answer all account-relatedquestions. Your complaint was forwardedto my attention for review, and I...
appreciate the opportunity to assist you. We understand from your complaint that youhave concerns with the payment that was made via our online website onSeptember 6, 2015.After a review of your account our recordsindicate that a payment was set up via our online website in the amount of$40.00 on September 6, 2015. At thistime the payment was processed and showed posted to your account as of thisdate. When a payment is processedonline, it is sent to your banking institution for funds to betransferred. On September 9, 2015, wereceived this payment back from your banking institution as “insufficientfunds”. At that time the $40.00 wasadded back to your balance and a returned payment fee of $25.00 was added tothe account. Please be aware that although payment issubmitted via our online website and it is posted to your account as of thesame day, this does not mean that funds will be taken from you banking account immediately. The banking institution must have time toreceive our request and release funds if available.Please be aware that we have removed the minimumpayment from your account that was showing due October 6, 2015, so that youcould make the normal minimum payment as you requested. We have also issued credit for the $25.00returned payment fee that was assessed to your [redacted] creditcard. This credit will appear on your next billing statement.We respectfully decline your request that theBank deduct $40.00 from your [redacted]’s[redacted] account balance. Our recordsindicate the $40.00 payment was not received and was returned from yourbank. We encourage you to contact yourbanking institution to request any fees that were charged to your checkingaccount by them be removed if possible.Youare a valued customer and if you have further questions or concerns regardingthe account, please do not hesitate to contact me at ###-###-####, or ###-###-####,ext. [redacted] (TDD/TTY ###-###-####). Iwill be happy to assist you.
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret Angel credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist...
you.Your complaint states that while out of town you attempted to pay your bill from your cell phone and after several attempts, you were locked out of Account Center. You arrived home the same day and made the payment; however, the payment went through the following day. You tried to call Customer Care, but being that was on a Sunday they were closed. You called again and after speaking to a representative about the issue and requesting a late fee removed, we were unwilling to remove the fee. You closed your Victoria’s Secret Angel account but still have the late fees of $50.00 to pay.Bank records indicate that a billing statement was issued on December 23, 2014, and a minimum payment of $25.00 was due on January 18, 2015. You accessed the Bank’s Account Center on January 19, 2015, and made a $25.00 payment. As the payment was one day past the due date, your account was assessed a late fee.As explained in the Bank’s Credit Card Agreement, if a payment is not received, made for less than the minimum due, or made after the payment due date, your account will be assessed a late fee. As you had a late fee adjustment to your account in June 2014, less than 12 months prior, the representative was unwilling to credit an additional late fee.We understand that there may be times that prevent our customers from making the payment on time. As such, in the interest of customer service, we issued a credit for one late fee, totaling $25.00. This credit will appear on your next billing statement.We apologize for any inconvenience this matter may have caused you. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Ultamate Rewards credit card account. We are here to answer your questions and assist with your concerns.Your complaint states that someone used your email...
information for your Comenity Capital Bank credit card account and placed a hold on your Ultamate Rewards credit card account. You further state that you paid your account in full and on time each month; however, your account was still assessed late fees. You are requesting that the Bank close your account without it reflecting negatively on your credit. I understand your concerns, and apologize for any confusion or frustration this may have caused you.Bank records indicate that on October 9, 2016, a statement was issued to you showing a balance of $98.55 with a minimum payment of $30.00 due by November 4, 2016. The Bank did not receive a payment and, as a result, a late fee was assessed to your account. Your account became one billing period past due.On November 8, 2016, a statement was issued to you showing a balance of $146.28 with a minimum payment of $38.00 due by December 4, 2016. The Bank received a payment of $116.76 on November 18, 2016. In addition, the Bank issued a credit of $27.00 on November 21, 2016, for the previously assessed late fee.On January 9, 2017, a statement was issued to you showing a balance of $22.38 with a minimum payment of $22.38 due by February 4, 2017. The Bank did not receive a payment and, as a result, a late fee was assessed to your account. Your account became one billing period past due.On March 4, 2017, the Bank received a payment of $27.38. In addition, a payment of $19.38 was received on March 8, 2017. As of the date of this letter, the account balance is zero.The Bank has closed your account, per your request, and it will be reported as “closed per customer’s request” to the national credit-reporting agencies.Comenity Capital Bank has not found any errors on your accounts and we are unwilling to waive any fees, as they are valid. Furthermore, please be advised that we are only willing to remove or change information that our company incorrectly furnished to the credit-reporting agencies. We have found the information we reported is an accurate reflection of the payment history for your accounts. Therefore, this information will not be changed or removed from your credit bureau report.I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Roaman'sB credit card accounts, and we are here toassist you with all account-related questions. I appreciate the opportunity to respond to yourconcerns.We...
understand from your complaint that you believe your bill is incorrect, and you were sentdouble items. You have contacted Comenity Bank, with no resolve. You do not believe youowe a balance on the account, and you would like a letter stating we corrected your creditreport.Please note that Comenity Bank and Roaman's are two separate entities. The Bank isresponsible for addressing questions related to your credit card account. Roaman's isresponsible for handling matters related to sales, merchandise processing, returns andshipping.When merchandise is ordered from Roaman's, the account is charged for the cost of themerchandise, sales tax (if applicable), and shipping and handling. Roaman's does not refundshipping and handling charges when merchandise is returned. In addition, if the provided returnlabel is used to return the package, the return label fee is also charged to the account.Bank records indicate, you have placed multiple orders with Roaman's that you charged to yourRoarnan'sQ credit card account. Please keep in mind when payments are not received, arereceived after the due date, or are made for less than the minimum required, the account will beassessed a late fee and finance charge, as explained in the Credit Card Agreement (CCA).Our records indicate on March 11. 2013, we received your dispute, regarding the information inyour complaint. On March 25, 2103, we sent a response which is enclosed for your records.We have spoken with Roaman's on your behalf, and they have provided receipts which verifyyour purchases. The receipts are enclosed for your records, along with billing statements whichshow the account activity that comprised the account balance and delinquencies which werereported to the credit-reporting agencies.Please be advised, the Roaman'sB account was opened on March 22,2012. The last purchaseof $7.50 was made on May 6, 2013, and the last payment of $87.93 was received on March 21.2013. Since the account exceeded six consecutive billing cycles past due, the account wasclosed, written off, and reported to the national credit-reporting agencies as an unpaid debt of$310.90 on December 6, 2013. The Bank then sold the account to Portfolio Recovery onJanuary 20, 2015.Comenity Bank is required to report factual information to the national credit-reporting agencies.We have reviewed your account, and we find that the information reported is correct; as such,we are unwilling to remove the account from your credit report.As Portfolio Recovery is now the owner of this account, we ask that you contact them directly at###-###-####.If you have further questions regarding the charges applied to your account, please contactRoaman's at ###-###-####.I hope you found this information to be helpful. If you have any further questions, pleasecontact Portfolio Recovery at the number listed above.Sincerely,Amanda R[redacted]
Dear Mr. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the above-noted account. Comenity Bank issues WESTGATE RESORTS MasterCard accounts and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate this...
opportunity to assist you. We understand from your inquiry that you purchased a time share with WESTGATE RESORTS. You are requesting that the balance on the account be credited, and that we update your credit report. Furthermore, you state that you were unaware of the membership cancellation process; however, you contacted our customer service department to close your account.Please be advised that Comenity Bank and WESTGATE RESORTS are two separate entities. Comenity Bank is responsible for addressing questions related to the WESTGATE RESORTS MasterCard account, while WESTGATE RESORTS is responsible for handling matters related to sales, their contracts, charges and refunds.Please reach out directly to WESTGATE RESORTS to discuss the contract. You may contact WESTGATE RESORTS with the following information:WESTGATE RESORTS[redacted]
[redacted]
[redacted]Please be assured that the account was closed per your request on June 7, 2016; however, you are still responsible for the balance on the account. As of the date of this letter, the account balance is $6,566.00 with a minimum payment of $207.00 due by August 20, 2016. The account is currently two billing cycles past due and at this time, no negative information has been reported to the credit-reporting agencies.I hope this information is helpful. Should you have any further questions or concerns regarding the account, please contact me at 10###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Rosa M[redacted]
Thank you for your additional complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit card accounts, and we respond to all account-related inquiries. I appreciate the opportunity to assist you.We understand your concerns regarding the late fees previously assessed to the account, and that you are requesting all late fees be waived.Please be assured that all late fees were credited to your account on January 16, 2016. As of today’s date, the account has a zero balance.I apologize for any confusion this matter may have caused you, and I hope you find this information to be helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,
August 31, 2017 *
[redacted] RE: Buckle Credit Card Account Ending In [redacted] Ref No.: [redacted] Dear [redacted]:...
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Buckle credit card. We are here to answer your questions and assist with your concerns. You state in your correspondence that the account was assessed a late fee, as you were a few days late paying the balance in full. You contacted customer service and asked for the late fee to be removed as a courtesy and the request was denied as a late fee was credited once before. You then requested the account be closed. You received a statement with an additional late fee. You sent a written request to have the late fee removed and the request was denied. You received another statement and the balance had increased to $93.08, which is all late fees and interest. You are requesting the late fees and finance charges removed to bring the balance to zero and no adverse reporting. I have reviewed the concerns noted in your correspondence and would like to provide you with the following information. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Bank records indicate a billing statement was issued April 14, 2017, with a balance of $157.98 and a minimum payment of $27.00 due by May 10, 2017. Due to no payment received by the due date, a late fee and finance charge were assessed to the balance. A billing statement was issued May 15, 2017, with a balance of $188.59 and a minimum payment of $37.00 due by June 10, 2017. A payment in the amount of $157.98 was received on May 17, 2017. A billing statement was issued June 14, 2017, with a balance of $31.61 and a minimum payment of $27.00 due by July 10, 2017. Due to no payment received a late fee and finance charge were assessed to the account. Additional billing statements were issued July 15, 2017, and August 15, 2017. Please be advised that the Bank fees assessed are valid. As such, we respectfully decline your request to remove the fees. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. Although the account is closed per your request, we hope that you will continue to shop with Buckle. 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, Kaija M[redacted] Kaija M[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com
Dear Mr. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Comenity Bank issues Meijer credit card accounts and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate...
thisopportunity to assist you.Your complaint indicates that you submitted a payment in the amount of $573.19 on July 7,2015, and this payment never posted to your Meijer credit card account. You further indicatethat you have submitted ail the documentation that has been requested and still the paymenthas not posted to your account. We apologize for any inconvenience or misunderstanding youmay have experienced regarding this matter.Bank records indicate a response was mailed to you on August 20, 2015, requesting additionalinformation to locate your payment. I have attached a copy of this letter for your records.Please refer to the letter and provide the appropriate information in order to locate yourpayment.We hope you find thjs information to be helpful. If you have any additional questions orconcerns, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY #########).Sincerely,Rosa M[redacted]
Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband 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 ordered one pair of shoes (slippers) and three pairs of support socks. You further state that although you returned these items back in November, you continue to receive bills. You do not know why you are being charged for items which you have returned, and you have been receiving calls from the Bank. We sincerely apologize for any inconvenience or frustration this matter may have caused you. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to your credit card account, while Haband is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling. When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded. Additionally, if you use the provided label for the return, your account is billed $9.99 for the cost of the return shipping. In the interest of customer service, we have issued credits totaling $169.49 to remove the late fees, finance charges, and shipping and handling charges from the account. Your account balance, as of today’s date is zero. Please be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Haband account, from your credit bureau report. Please allow the credit-reporting agencies 45 days to update their records. We hope you find this information helpful. If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext. 7293135 (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R[redacted] Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answeryour questions and assist with your concerns.We previously received and responded to your correspondence, submitted to the...
ConsumerFinancial Protection Bureau, regarding this same matter. Please find enclosed copies of ourresponses dated June 23, 2017, and July 12, 2017.This letter is for informational purposes to respond to your correspondence and is not an attemptto collect on this balance.As previously stated in the correspondence sent to you dated June 23, 2017, the account is nolonger owned by the Bank, and you will not receive collection efforts from us. For any furtherquestions or concerns, you would need to contact Jefferson Capital directly at ###-###-####.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 LongCompliance Dept. – Consumer Responses
[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: 11721477
I am rejecting this response because the balance transfer in the amount of -290.12 which was transferred to the account number [redacted] should be -290.12 not a charge of 290.12 and therefore it should not be treated as an amount I owe but as a credit in my behalf . This is simple math. It was not credited to my account on the transfer.
Regards,[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]
Comenity Capital Bank...
(Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Haband credit card. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, a paymentof $219.29 was to be returned to your debit card. As of today, the funds have not been returnedto your debit card. You obtained a letter from your bank confirming the money has not beenreturned to your account and you forwarded this letter to the Bank. You are requesting the moneybe refunded back to your debit card.After a thorough review of the account, our records indicate that on May 14, 2015, a refund of$219.29 was submitted to be credited to your [redacted] debit card. Additionally, the Bank hasconfirmation from [redacted] that the refund was completed on May 21, 2015.Please contact [redacted] at the telephone number located on the back of your credit card toreview where this refund was applied.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Good Day!Please forgive my delayed response. I have not been feeling well. I am satisfied with the business’ response. A full credit was applied to my account on 10/14/2016. Thank you very much for your assistance with this matter. I am extremely appreciative.Best regards, [redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bankissues the Carson’s credit card. We are here to answer your questions and assist with your concerns.We understand from your correspondence that you placed an online order December 20, 2016, in the amount of$223.37, but the merchandise was never delivered.Please be advised Comenity Bank and Carson’s are two separate entities. Comenity Bank is responsible foraddressing questions related to the Carson’s credit card accounts, while Carson’s is responsible for handlingmatters related to sales, merchandise processing, returns, shipping, and merchandise quality.We previously received and responded to your concerns through our Dispute Department regarding this samematter. Please find enclosed, copies of our previous responses sent to you on February 16, 2017, and April 10,2017.After a thorough investigation, Bank records indicate on December 20, 2016, an online mail order for $223.37billed to your account. Please find enclosed a copy of the FedEx Tracking provided by Carson’s, confirming themerchandise was delivered on December 22, 2016, at 7:45 pm. Because Carson’s was able to provide proof thatthe item was delivered by FedEx, the charge is considered valid. We have disputed the transaction on youraccount, however Carson’s is not responsible for stolen merchandise. For further assistance with your concern,please contact FedEx directly at ###-###-#### to file a dispute. You may also want to contact your personalinsurance company to see if you can file a claim for the stolen merchandise.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Shelley A[redacted]
Comenity Bank (Bank) has received your correspondence regarding the...
above-referenced account. Comenity Bank issues the Catherines and Avenue credit cards. We are here to answer your questions and assist with your concerns. You state in your complaint that you have tried at least six times to resolve the matter. You state that the representatives are rude and you have been hung up on. You also state that there are a lot of threats and calls to your job. You have received several letters offering help; however, no one wants to help you. You further state that your balance is increasing, and you would like to resolve this matter. 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. Please be assured, there is no indication that you were hung up on. I have reviewed the concerns noted in your correspondence and would like to provide you with the following information. Bank records indicate that you spoke with the Bank on May 20, 2017, and were advised of the 12-Month Customer Hardship Program, which provides customers with special terms in order to bring and keep the account current. You enrolled the above-referenced accounts into our Hardship Program, and made $20.00 payments for both accounts. On May 23, 2017, the representative who assisted you on May 20, 2017, contacted you and left a voicemail regarding an error with the enrollment process and requested that you contact the Bank to correct this matter. However, when you contacted the Bank on May 23, 2017, another representative incorrectly confirmed the accounts were enrolled in the program, but they were not. We apologize for the misinformation that was provided. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. Bank records indicate that the phone number listed as valid on the account is a cell number, not a work number. If you are receiving calls to an unauthorized phone number, please contact the Bank to request the phone number be removed. Please keep in mind, when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Since the account is not currently enrolled in a program, and no further payments have been made since May, Bank fees have been assessed, which increased the account balance. For assistance with enrolling the accounts into the Hardship Program, please contact Alesha at ###-###-#### or Michella at ###-###-####. One of these associates would be glad to assist you in completing the Hardship Program enrollment. �...⇄ ...⇄ 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, Kaija M[redacted] Kaija M[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the KingSize 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 you placed an order by phone. You state that after you gave customer service your order the call ended and you did not authorize this purchase to be added to your KingSize account. A week later you received two shirts with a bill of $49.98. At that time you exchanged one of the shirts and submitted a check of $24.99 for the shirt that was kept. After receiving the exchange, you mailed another check of $24.99. You received a statement with a late fee of $25.49 and a finance charge of $1.51. You are requesting a refund of these fees. Please note Comenity Bank and KingSize are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. KingSize is responsible for handling matters related to sales, merchandise processing, returns and shipping. After reviewing our records, we found the KingSize account was opened on December 19, 2013. We contacted KingSize on your behalf and the call was reviewed regarding the order placed on December 14, 2016, and we obtained confirmation that authorization was given to have the purchase placed on the account. After a thorough review of the account, our records indicate that on December 14, 2016, an order was placed for two Flnshrt’s in the amount of $59.97. On December 18, 2016, a credit of $9.99 posted to the account for shipping and handling. On January 2, 2017, a statement was issued with a balance of $49.98 and a minimum payment of $20.00 due on January 28, 2017. A payment of $24.99 was received on January 14, 2017, thank you for this payment On February 2, 2017, a statement was issued with a balance of $24.99 and a minimum payment of $20.00 due on February 28, 2017. As no payment was received by the due date a late fee of $20.00, and a finance charge of $2.00 was assessed to the account. On March 2, 2017, a statement was issued with a balance of $46.99 and a minimum payment of $25.00 due March 28, 2017. As no payment was received by the due date a late fee of $25.00 was assessed to the account. On March 10, 2017, a courtesy we issued credits totaling $21.51 for the late fee and finance charge previously assessed to the account. On April 2, 2017, a statement was issued with a balance of $46.99 and a minimum payment of $20.00 due on April 28, 2017. A payment of $25.49 was received on April, 21, 2017, thank you for this payment. As of the date of this letter, the account has a zero balance. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. As the Bank finds that previous fee credits of $21.51 were applied to your account, we are unwilling to credit another late fee, as this fee is valid. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at [redacted]. Sincerely, Renee S[redacted] Renee S[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]:We received your complaint, submitted to the Revdex.com, regarding the above-notedaccount. Comenity Bank issues your VICTORIA’S SECRET credit card account, and we are hereto help answer all account-related questions. Your complaint was forwarded to my attention,...
andI appreciate this opportunity to assist you.Your complaint states that although we closed your account, we are charging interest on the debtowed. You have requested the Bank to zero out the debt owed.Please find a summary of your account below. I have enclosed a copy of the account Credit CardAgreement (CCA), as well as copies of the monthly billing statements which show the accountactivity that comprised the account balance and delinquencies which are reporting to the creditbureaus.Bank records indicate the VICTORIA’S SECRET account was opened on April 15, 2015; use ofthe account, or failure to close the account within 30-days of receiving the CCA indicatesacceptance of the terms of the agreement, including the assessment of any finance charges andfees. The last purchase of $67.51 posted to your VICTORIA’S SECRET account on May 25,2015, and the last payment of $50.00 posted to the account on July 9, 2015. As of the date ofthis letter, your account has a balance of $692.02, with a minimum payment of $175.00 due byOctober 1, 2016. Your account is currently six billing periods past due. Should your accountexceed six consecutive billing periods past due, your account will be charged off for non-paymentand reported to the national credit-reporting agencies as an unpaid debt.We understand customers may experience difficulty making their payments due to economicfactors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or ourCustomer Long-Term Workout Program. These programs can provide customers with specialterms in order to help bring the account current. If you are interested in obtaining information onwhether you qualify for one of these programs, please call ###-###-####.Also, customers who are experienceing financial diffuculties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS), organization for assistance. Their programs canprovide options such as reducing the interest rate and the minimum payment requirements, andcould include all of your creditors. Comenity Bank supports and participates in the programsprovided by CCCS agencies. Should you wish to obtain information regrding their programs andfor a member agency located near you, please contact the National Foundation for CreditCounceling at ###-###-####.Please be advised that Comenity Bank finds the balance to be valid; therefore, we are unwillingto zero the balance.Furthermore, the address you provided in your complaint is different than the address we havelisted on your account. If this information needs to be changed to reflect the address noted above,please contact me.We hope this information is helpful. If you have any further questions or concerns, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted] We received your complaint regarding the above-referenced credit card account. Comenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questions. Your complaint, addressed to the Revdex.com, was...
forwarded to my attention, and I appreciate the opportunity to respond to your concerns. In your complaint, you state that you have received several harassing phone calls after you had already made a payment on your account. You further state that the representative was very rude and threatening. Please except our deepest apology as Comenity Bank does not condone that a customer be treated with disrespect at any time. We strive to provide each of our customers with an excellent customer service experience and we apologize that you received less than that when you contacted us. We attempted to locate the account in question; however, we are unable to locate the account with the information you have provided. To better assist you, we need additional information to locate the account(s) in question. Please provide the following: ? Complete Comenity Bank Account Number ? Any Previous Names of Accountholder ? Any Previous Addresses ? Home Telephone Number ? Social security number This information can be mailed to the address listed above, or faxed to my attention at [redacted]
I hope you find this information to be helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted]). I would be happy to assist you. Sincerely, Jenny W[redacted] Consumer Relations Specialist
Dear [redacted]Comenity Bank (Bank) has received your additional correspondence regarding the abovereferencedaccount. Comenity Bank issues the Trek credit card. We are here to answer yourquestions and assist with your concerns.I understand from your additional correspondence that you previously submitted a complaint towhich the Bank responded and advised we needed time to investigate. However, you neverreceived any further communication from the Bank. Now you are unable to obtain a loan at thelowest rate due to the information the Bank is reporting to your credit bureau report.I apologize for any inconvenience or frustration this matter may have caused you.Please be assured our fraud investigation was completed and we determined you were notresponsible for the account. On April 24, 2017, the Bank submitted a request to the credit reportingagencies for the Trek credit card account to be deleted from your credit bureau report. When thisrequest is made it may take up to 45 business days to be completed. In the meantime, pleaseuse this letter as confirmation the account is being deleted from your credit report.We apologize you did not receive our previous letter confirming you were not responsible for theaccount.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W[redacted]
We received your complaint, submitted to theRevdex.com, regarding the above- noted account. Comenity Bank issues [redacted]credit cards, and we are here to help answer all account-relatedquestions. Your complaint was forwardedto my attention for review, and I...
appreciate the opportunity to assist you. We understand from your complaint that youhave concerns with the payment that was made via our online website onSeptember 6, 2015.After a review of your account our recordsindicate that a payment was set up via our online website in the amount of$40.00 on September 6, 2015. At thistime the payment was processed and showed posted to your account as of thisdate. When a payment is processedonline, it is sent to your banking institution for funds to betransferred. On September 9, 2015, wereceived this payment back from your banking institution as “insufficientfunds”. At that time the $40.00 wasadded back to your balance and a returned payment fee of $25.00 was added tothe account. Please be aware that although payment issubmitted via our online website and it is posted to your account as of thesame day, this does not mean that funds will be taken from you banking account immediately. The banking institution must have time toreceive our request and release funds if available.Please be aware that we have removed the minimumpayment from your account that was showing due October 6, 2015, so that youcould make the normal minimum payment as you requested. We have also issued credit for the $25.00returned payment fee that was assessed to your [redacted] creditcard. This credit will appear on your next billing statement.We respectfully decline your request that theBank deduct $40.00 from your [redacted]’s[redacted] account balance. Our recordsindicate the $40.00 payment was not received and was returned from yourbank. We encourage you to contact yourbanking institution to request any fees that were charged to your checkingaccount by them be removed if possible.Youare a valued customer and if you have further questions or concerns regardingthe account, please do not hesitate to contact me at ###-###-####, or ###-###-####,ext. [redacted] (TDD/TTY ###-###-####). Iwill be happy to assist you.
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret Angel credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist...
you.Your complaint states that while out of town you attempted to pay your bill from your cell phone and after several attempts, you were locked out of Account Center. You arrived home the same day and made the payment; however, the payment went through the following day. You tried to call Customer Care, but being that was on a Sunday they were closed. You called again and after speaking to a representative about the issue and requesting a late fee removed, we were unwilling to remove the fee. You closed your Victoria’s Secret Angel account but still have the late fees of $50.00 to pay.Bank records indicate that a billing statement was issued on December 23, 2014, and a minimum payment of $25.00 was due on January 18, 2015. You accessed the Bank’s Account Center on January 19, 2015, and made a $25.00 payment. As the payment was one day past the due date, your account was assessed a late fee.As explained in the Bank’s Credit Card Agreement, if a payment is not received, made for less than the minimum due, or made after the payment due date, your account will be assessed a late fee. As you had a late fee adjustment to your account in June 2014, less than 12 months prior, the representative was unwilling to credit an additional late fee.We understand that there may be times that prevent our customers from making the payment on time. As such, in the interest of customer service, we issued a credit for one late fee, totaling $25.00. This credit will appear on your next billing statement.We apologize for any inconvenience this matter may have caused you. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Ultamate Rewards credit card account. We are here to answer your questions and assist with your concerns.Your complaint states that someone used your email...
information for your Comenity Capital Bank credit card account and placed a hold on your Ultamate Rewards credit card account. You further state that you paid your account in full and on time each month; however, your account was still assessed late fees. You are requesting that the Bank close your account without it reflecting negatively on your credit. I understand your concerns, and apologize for any confusion or frustration this may have caused you.Bank records indicate that on October 9, 2016, a statement was issued to you showing a balance of $98.55 with a minimum payment of $30.00 due by November 4, 2016. The Bank did not receive a payment and, as a result, a late fee was assessed to your account. Your account became one billing period past due.On November 8, 2016, a statement was issued to you showing a balance of $146.28 with a minimum payment of $38.00 due by December 4, 2016. The Bank received a payment of $116.76 on November 18, 2016. In addition, the Bank issued a credit of $27.00 on November 21, 2016, for the previously assessed late fee.On January 9, 2017, a statement was issued to you showing a balance of $22.38 with a minimum payment of $22.38 due by February 4, 2017. The Bank did not receive a payment and, as a result, a late fee was assessed to your account. Your account became one billing period past due.On March 4, 2017, the Bank received a payment of $27.38. In addition, a payment of $19.38 was received on March 8, 2017. As of the date of this letter, the account balance is zero.The Bank has closed your account, per your request, and it will be reported as “closed per customer’s request” to the national credit-reporting agencies.Comenity Capital Bank has not found any errors on your accounts and we are unwilling to waive any fees, as they are valid. Furthermore, please be advised that we are only willing to remove or change information that our company incorrectly furnished to the credit-reporting agencies. We have found the information we reported is an accurate reflection of the payment history for your accounts. Therefore, this information will not be changed or removed from your credit bureau report.I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Roaman'sB credit card accounts, and we are here toassist you with all account-related questions. I appreciate the opportunity to respond to yourconcerns.We...
understand from your complaint that you believe your bill is incorrect, and you were sentdouble items. You have contacted Comenity Bank, with no resolve. You do not believe youowe a balance on the account, and you would like a letter stating we corrected your creditreport.Please note that Comenity Bank and Roaman's are two separate entities. The Bank isresponsible for addressing questions related to your credit card account. Roaman's isresponsible for handling matters related to sales, merchandise processing, returns andshipping.When merchandise is ordered from Roaman's, the account is charged for the cost of themerchandise, sales tax (if applicable), and shipping and handling. Roaman's does not refundshipping and handling charges when merchandise is returned. In addition, if the provided returnlabel is used to return the package, the return label fee is also charged to the account.Bank records indicate, you have placed multiple orders with Roaman's that you charged to yourRoarnan'sQ credit card account. Please keep in mind when payments are not received, arereceived after the due date, or are made for less than the minimum required, the account will beassessed a late fee and finance charge, as explained in the Credit Card Agreement (CCA).Our records indicate on March 11. 2013, we received your dispute, regarding the information inyour complaint. On March 25, 2103, we sent a response which is enclosed for your records.We have spoken with Roaman's on your behalf, and they have provided receipts which verifyyour purchases. The receipts are enclosed for your records, along with billing statements whichshow the account activity that comprised the account balance and delinquencies which werereported to the credit-reporting agencies.Please be advised, the Roaman'sB account was opened on March 22,2012. The last purchaseof $7.50 was made on May 6, 2013, and the last payment of $87.93 was received on March 21.2013. Since the account exceeded six consecutive billing cycles past due, the account wasclosed, written off, and reported to the national credit-reporting agencies as an unpaid debt of$310.90 on December 6, 2013. The Bank then sold the account to Portfolio Recovery onJanuary 20, 2015.Comenity Bank is required to report factual information to the national credit-reporting agencies.We have reviewed your account, and we find that the information reported is correct; as such,we are unwilling to remove the account from your credit report.As Portfolio Recovery is now the owner of this account, we ask that you contact them directly at###-###-####.If you have further questions regarding the charges applied to your account, please contactRoaman's at ###-###-####.I hope you found this information to be helpful. If you have any further questions, pleasecontact Portfolio Recovery at the number listed above.Sincerely,Amanda R[redacted]
Dear Mr. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the above-noted account. Comenity Bank issues WESTGATE RESORTS MasterCard accounts and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate this...
opportunity to assist you. We understand from your inquiry that you purchased a time share with WESTGATE RESORTS. You are requesting that the balance on the account be credited, and that we update your credit report. Furthermore, you state that you were unaware of the membership cancellation process; however, you contacted our customer service department to close your account.Please be advised that Comenity Bank and WESTGATE RESORTS are two separate entities. Comenity Bank is responsible for addressing questions related to the WESTGATE RESORTS MasterCard account, while WESTGATE RESORTS is responsible for handling matters related to sales, their contracts, charges and refunds.Please reach out directly to WESTGATE RESORTS to discuss the contract. You may contact WESTGATE RESORTS with the following information:WESTGATE RESORTS[redacted]
[redacted]
[redacted]Please be assured that the account was closed per your request on June 7, 2016; however, you are still responsible for the balance on the account. As of the date of this letter, the account balance is $6,566.00 with a minimum payment of $207.00 due by August 20, 2016. The account is currently two billing cycles past due and at this time, no negative information has been reported to the credit-reporting agencies.I hope this information is helpful. Should you have any further questions or concerns regarding the account, please contact me at 10###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Rosa M[redacted]
Thank you for your additional complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit card accounts, and we respond to all account-related inquiries. I appreciate the opportunity to assist you.We understand your concerns regarding the late fees previously assessed to the account, and that you are requesting all late fees be waived.Please be assured that all late fees were credited to your account on January 16, 2016. As of today’s date, the account has a zero balance.I apologize for any confusion this matter may have caused you, and I hope you find this information to be helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,
August 31, 2017 *
[redacted] RE: Buckle Credit Card Account Ending In [redacted] Ref No.: [redacted] Dear [redacted]:...
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Buckle credit card. We are here to answer your questions and assist with your concerns. You state in your correspondence that the account was assessed a late fee, as you were a few days late paying the balance in full. You contacted customer service and asked for the late fee to be removed as a courtesy and the request was denied as a late fee was credited once before. You then requested the account be closed. You received a statement with an additional late fee. You sent a written request to have the late fee removed and the request was denied. You received another statement and the balance had increased to $93.08, which is all late fees and interest. You are requesting the late fees and finance charges removed to bring the balance to zero and no adverse reporting. I have reviewed the concerns noted in your correspondence and would like to provide you with the following information. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Bank records indicate a billing statement was issued April 14, 2017, with a balance of $157.98 and a minimum payment of $27.00 due by May 10, 2017. Due to no payment received by the due date, a late fee and finance charge were assessed to the balance. A billing statement was issued May 15, 2017, with a balance of $188.59 and a minimum payment of $37.00 due by June 10, 2017. A payment in the amount of $157.98 was received on May 17, 2017. A billing statement was issued June 14, 2017, with a balance of $31.61 and a minimum payment of $27.00 due by July 10, 2017. Due to no payment received a late fee and finance charge were assessed to the account. Additional billing statements were issued July 15, 2017, and August 15, 2017. Please be advised that the Bank fees assessed are valid. As such, we respectfully decline your request to remove the fees. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. Although the account is closed per your request, we hope that you will continue to shop with Buckle. 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, Kaija M[redacted] Kaija M[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com